Consumer complaint received 2023-08-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

Subject : Comprehensive Letters Regarding Fraudlent Matters **Part 1 : Dispute of Deficiency Claim and Request for Documentation** I am writing to address a matter of great concern regarding the recent repossession of my vehicle, Make of car : XXXX Model : XXXX Year:XXXX  Vin # XXXX. I have reason to believe that the repossession was carried out unlawfully and without proper cause. 

On XX/XX/2023, I was surprised to find that my vehicle had been repossessed without any prior notice or communication from OPORTUN, XXXX. XXXX  XXXX XXXX XXXXXXXX XXXX, CA. XXXX I would like to emphasize that a deficiency claim can not be substantiated unless all mandatory notices were duly provided within the stipulated time frames. Additionally, it is crucial that all permissible redemption and cure periods were diligently observed. 

In view of the above, I kindly request that you provide me with copies of the legal notices that were served and evidence showcasing the commercially reasonable approach undertaken in the repossession of the vehicle in question. 

Please be aware that if the requested documentation and proof are not furnished within 14 days of your receipt of this notice, any asserted deficiency claim will be deemed null and void. Moreover, any ongoing collection actions or the continued reporting of this unsubstantiated claim on my credit reports will be considered as violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, it is important to note that failure to comply with the aforementioned requests XXXXay result in my exercising the right to pursue damages against all relevant parties. I intend to explore all available remedies under both State and Federal statutes, including those outlined in UCC Article 9. It is important to me that this matter be resolved amicably and in accordance with the law. I am prepared to take any necessary steps to ensure the release of my vehicle and to preserve the positive relationship we have maintained throughout our business dealings. 

Sincerely, XXXX XXXX **Part 2 : Identity Fraud Report** I am writing to inform you that Im a victim of identity fraud. Unauthorized transactions, accounts, or activities have been conducted in my name without my consent. I request your assistance in resolving these matters. 

I have noticed the following unauthorized activities : Fraudulent Title Loan from Oportun and Illegal Repossession of Vehicle I kindly request your prompt attention to this matter and your cooperation in resolving the fraudulent activities associated with my identity. I have taken steps such as filing a police report, freezing my credit reports, and notifying credit bureaus and financial institutions. 

Please investigate and rectify the fraudulent activities related to my account. Implement security measures to prevent future unauthorized access. Your prompt response is essential to minimize further damage. I am prepared to take any necessary steps to ensure the release of my vehicle and to preserve the positive relationship we have maintained throughout our business dealings. 


Sincerely, XXXX XXXX **Part 3 : Notice of Disposition Pursuant to 15 USC 1692f** Oportun, I am writing to address concerns regarding the debt associated with my account, as governed by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692f . Actions taken or planned may violate 15 USC 1692f, which prohibits unfair means to collect debts.

Please provide detailed information about the intended debt disposition. Additionally, demonstrate compliance with 15 USC 1692f requirements. Collaboration and transparency are crucial in resolving this matter. Kindly respond within 14 days. I am prepared to take any necessary steps to ensure the release of my vehicle and to preserve the positive relationship we have maintained throughout our business dealings.

Thank you for your attention. 

Sincerely, XXXX XXXX