Debt collection
Oportun debt collection complaints
Consumers have filed 627 complaints about Oportun's debt collection, 301 in the last 12 months (+128%). Oportun answered 100% on time and closed 0% with relief. See the whole Oportun record.
Oportun against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Oportun | 301 | 100% | 0% |
Latest Oportun debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| May 6, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 3, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 21, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 18, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 17, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| Apr 17, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 15, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 14, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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