Consumer complaint received 2018-12-11
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Oportun has done it again. Other than harrasing my friends, family and myself. Which when applying for the loan claim they will be refrences to see if you are qualified for the loan, but which is not true as they just harass my refrences. They have now taken it upon a low income family to charge me twice in a single pay period. Regardless of the situation I am in. I am a XXXX  woman with one income which I have explained to them over and over again. They question me every single time about this issue whenthey call which is about 5 times a month. They say they have all calls on file yet they can not show proof of this on demand. My request to contest the double payment was just shrugged off and was told it would take tleast 10 days to process. All while which being told I had authorized this payment. The whole time during this I felt as if they were trying to get me to verbally admit I had made given the authorization for the payments on back to back days. Why would I just not schedule a higher payment on the same day? If I would have had the money I would have done that. I spoke to Agent XXXX XXXX on XXXX XXXX where he confirmed they would automatically withdraw a payment of {$83.00} on XX/XX/XXXX which is as XXXX the agent stated my regularly scheduled payments. This was not done. Instead I recieved a call from my father in XX/XX/XXXX stating that agents from opportun has been harrassing him for my debt. Two days after my scheduled payment. I shortly called opportun after to see why they were harrassing my father. When I was transfred to an agent XXXX XXXX. He was very confusing and I felt harassed and pressured I even cried in the phone. telling me I had to make two payments on back to back days after I was told something else. He took it down a notch and apologized and asked me if I could authorize the payment on the XXXX. So I did he let me know this payment would appear deducted on XX/XX/XXXX. Once again I left it at that. Today XX/XX/XXXX I checked my statements as I got a notification that my account was overdrawn. To my surprise Opportun has withdrawn a payment of {$91.00} out of my account on the XXXX and one of XXXX on the XXXX. When I call to ask why they just keep stating that I have authorized 2 payments back to back. Which I can not be clearer I did not. They keep stating I did and that it will take 10-15 days to just review my claim. I dont not have 10-15 days at a negative account balance my accounts will be frozen and my husbands checks will not be deposited. Today I spoke XXXX XXXX agent and her supervisor XXXX XXXX. Both of which as I stated before tried to bully me into saying I authorized both payments. I can not stress enough how poorly regulated this company is as most of their customers are immigrants or low income families. Being in both of those brackets I can assure you that other relatives and friends have experienced the same issues with this companies. With them being one of the only accessible compones to immigrants I feel they get away with a lot for immigrants shy away from spotlights and reporting them in fear of what might happen to them. I hope you take my compliant seriously and investigate this company further and like I said I dont not feel as if they are regulated properly and they harrass people excessively.

Company response to consumer: Closed with explanation