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Share of complaints that ended with money back
1.45%
Of the 344 complaints recorded against Oportun Financial Corporation in the CFPB database, 5 were closed with monetary relief. Read this as one figure from a public dataset, not a grade: it is not adjusted for how many customers or loans a company has, its product mix, complaint severity, or how each firm classifies its responses — so it should not be read as this lender treating people better or worse than another.
This company is publicly traded (OPRT). These figures are stated in its own annual report (FY2025 Form 10-K) — not our estimates.
All loans are capped at 36% APR; the weighted-average APR at origination on the active unsecured portfolio was 35.2%.
Read the FY2025 Form 10-K on SEC EDGAR →Issue categories as selected by borrowers on the CFPB complaint form.
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 80 | 23.3% |
| Struggling to pay your loan | 45 | 13.1% |
| Incorrect information on your report | 37 | 10.8% |
| Getting the loan | 31 | 9.0% |
| Problem when making payments | 27 | 7.8% |
| Problem with the payoff process at the end of the loan | 27 | 7.8% |
The outcome the CFPB recorded for each complaint after the company responded.
| Outcome | Complaints | Share |
|---|---|---|
| Closed with explanation The company stated its position; nothing changed for the borrower. | 298 | 86.6% |
| Closed with non-monetary relief A non-cash fix (e.g. a correction or a stopped practice). | 41 | 11.9% |
| Closed with monetary relief Money was returned. | 5 | 1.5% |
You can withdraw permission for any company to debit your account, and instruct your bank to block the payment. Neither step needs the lender’s agreement, and neither depends on whether you still owe the money.
Top states by complaint volume. Each links to that state’s law page.
| State | Complaints |
|---|---|
| California | 129 |
| Texas | 46 |
| Florida | 38 |
| Illinois | 23 |
| New Jersey | 19 |
| Minnesota | 9 |
| Arizona | 8 |
| Nevada | 8 |
Verbatim from complaints filed against Oportun Financial Corporation in the CFPB database. XX and XXXX are the Bureau’s own redactions of personal details. These are allegations by borrowers, published by the CFPB — not findings, and not necessarily accepted by the company.
An XXXXXXXX XXXX XXXX XXXX installment loan ( account opened XX/XX/XXXX, XXXXmonth term ) was fraudulently opened in my name without my knowledge or consent. I never applied for, authorized, or signed any documentation for this loan. I was unaware this account existed until reviewing my credit report. The account currently carries a…Getting the loan · complaint filed 2026-05-26
This company, Oportun, appears to be engaging in deceptive practices. They seem to be taking advantage of customers through hidden fees and unfair charges. Instead of my loan balance decreasing, it has continued to increase since the beginning of the loan. Payments have been automatically withdrawn from my account, yet after five months…Charged fees or interest you didn't expect · complaint filed 2026-04-27
On XX/XX/XXXX, I entered into an installment loan agreement. The total amount financed was {$10000.00}, which included a refinance of {$2300.00} from a prior loan with the same company. I was charged a 'prepaid finance charge ' ( administrative fee ) of {$860.00}, which represents nearly 11 % of the actual cash I received ( {$7600.00} )…Charged fees or interest you didn't expect · complaint filed 2026-04-27
More complaints does not mean worse. A company serving millions of borrowers will collect more complaints than one serving thousands, whatever the quality of either. That is why the headline figure is a rate — the share of complaints that end with money back — not a count. The rate already adjusts for how many people complained.
A complaint is also an allegation, not a finding. The CFPB does not verify what borrowers write, and neither do we.
The complaint counts, resolution outcomes, issue and state breakdowns on this page come straight from the CFPB Consumer Complaint Database (a public federal dataset of 15,188,499 complaints filed since 2011; retrieved 3 August 2026) and refresh from that API — no editorial judgement is applied to those numbers. The regulatory-action, rent-a-bank and SEC-filing sections, the lender’s classification and description, and the company-name matching are researched and reviewed by hand, and dated where shown.
Complaints are published after the company responds or after 15 days, whichever comes first. The CFPB does not verify borrowers’ accounts, and a complaint is not a finding of wrongdoing. The database is not a statistical sample of all customer experience. Search the full database →
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