Oportun

They say to help the community but in reality they robbing people. I used to get loans from them, until I learned how loans work. My first loan APR was 40% and my family each got a loan with them. I Being telling them to pay it off and never look back, they take advantage of people ignorance.

They cheat you out of your money! They make it really hard for them to actually help you and all they say is well our "policy" doesn't let us do this or thatThey give you all the wrong information possibleEven if you are a good customer and ALWAYS make your payment on time and NEVER miss one they make no effort to help youWorst loan store ever

Make sure that you are located close to one of their servicing locations because you can't fulfill the whole application without visiting one of their locations which means that if you are not close to one you might end up having to drive close to an hour without a guarantee that you will be approved

Initial Business Response / [redacted] (1000, 5, 2014/12/16) */ 12/16/ [redacted] Dr [redacted] XXXXX Dear [redacted] ***, We received your request for removal of the credit inquiry run on November 26, We have researched this matter and found that this transaction was not conducted in accordance with our policyWe apologize sincerely for this inconvenience and we have requested that this inquiry be removed from your credit reports Progreso has made management aware of this matter and we are actively working to provide training to our agents and quality assurance staff to ensure that this incident does not happen again We have contacted both Experian and TransUnion in regards to the credit inquiryYou may confirm with Experian after days to ensure this inquiry has been removedTransUnion will have already made the edit to your credit reportExperian can be reached at X-XXX-XXX-XXXX and TransUnion can be reached at X-XXX-XXX-XXXX If you have any further questions or concerns, feel free to contact us at X-XXX-XXX-XXXX or send us an email at [redacted] @progressfin.com Sincerely, [redacted] Manager of Service and Operations Progreso Financiero cc: Revdex.com Initial Consumer Rebuttal / [redacted] (2000, 7, 2014/12/23) */ (The consumer indicated he/she ACCEPTED the response from the business.) Yes I accept the responseI will contact experien and TrustUnion to make sure the credit inquiry was removedThank you for your response however if they don't follow through I will contact the Revdex.com again

I applied by phone with Oportun They asked the standard questions you expect for a loan but they also asked things like "How many people in your household do you support?" "How much is your credit line and how much available credit do you have?" " Were your born in the US?" I felt uneasy giving this info but I needed the money I was on the phone answering these question for at least minutes Although I pressed the English option, the person seemed to struggle to understand me and kept asking me to repeat things I was told that I met "pre-approval and to bring documents to the store, which I did At the store, I was told that I would be notified by the end of the day A day passed and I hadn't heard anything I had provided four references and none of them were ever called I received an auto dialed call on the morning of day three which advised that my application was still being reviewed On the night of day four, I decided that it was a scam and would call in the morning to withdraw my application I was transferred multiple times until I finally ended up on the phone with another gentleman that barely spoke English who explained that I didn't need to withdraw my application because it had been denied I do not believe that- my credit score is I said okay fine, please delete me from your system then I find it suspicious that I was never notified by phone or mail that my application was denied It was only when I called in to withdraw my application that I was told it was denied Stay away from them; they are unprofessional and very secretive about the progress of your application

They do not appear to have a good policy for taking/making paymentsI received a letter stating I was behind on payments and that my next payment would be double (for amount past due) even tho I have kept up with all paymentsand when you go in to pay, I am told that thier "policy" only allows them to take a payment for a specific amountThey also did not allow me to pay over the minimum amount on multiple occasions due to their "policy" its seems like their policy is to pray on individuals and harass themThey will call you when you are at work to ask to make a payment when it inst even due yetI have told them to not call me between certain hours and it still continues and is frankly a nuisance

Initial Business Response / [redacted] (1000, 16, 2015/06/02) */ ***Document Attached [redacted] June 2, 2015 Re: Loan Number: XXXXXXX [redacted] Dr [redacted] XXXXX Dear Mr. [redacted] , We received your complaint filed with the RevDex.com regarding not... receiving a provisional credit for your [redacted] dispute filed on March 23, 2015. As part of our dispute process, our customers may be granted a provisional credit during the research period for the amount of the dispute. This allows us time to research the account, minimizing any possible negative impact to our customers. Our research confirms that a provisional credit was not required on your Ventiva card since we completed our research on April 13, 2015 which confirmed that you received the funds in question on March 21, 2015. We sent you a letter regarding the outcome of the research on April 13, 2015. If you have any additional concerns or questions, please do not hesitate to contact us at XXX-XXX-XXXX or email us at [redacted] @progressfin.com. Best regards, [redacted] Vice President of Service, Operations and Support Oportun Cc: RevDex.com

I've had absolutely nothing but problems with them since week 1, not only did they damage my credit on something that was their fault ( I got a late payment added even though they were supposed to be taking the money out of my bank account, instead they took it out and returned it then decided to wait another days to finalize the payment.) I found out about this obviously a little too late once they started with placing calls to my references and the lovely point drop on my credit scoreNever ever do business with them avoid them like the plagueI'm almost done with the payment on this an guess what still getting harassed