Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPORTUN FINANCIAL CORPORATION (NC)

I'm sending this in regards to the ongoing problem I've been having with XXXX/Oportun since mid XX/XX/2023. On XX/XX/2023 I sent XXXXOportun a payment for {$1900.00} to bring my account balance to {$0.00}. A month or so after that payment posted I check my account and come to realize that I have a balance of {$320.00} due to a payment reversal initiated by XXXXOportun for what they claim is due to insufficient funds. After noticing that I've contacted XXXXOportun numerous times trying to get this issue resolved as quickly as possible because this situation is having a severe negative impact on my credit score and my credit report. XXXXOportun tells me that my account is being investigated by their Costumer Experience Department but they never contacted me about anything regarding the investigation they only contacted me to collect a payment that I don't owe. Also knowing that my account was supposedly under iinvestigation XXXXOportun continously reported false information to the credit bureau 's which is damaging my credit score and credit report. After going back a forth with XXXX/Oportun I received a letter from XXXX XXXX who is a Customer Experience Sr. Director at XXXXOportun. She stated in the letter that XXXXOportun received the {$1900.00} payment on XX/XX/2023 and it posted accordingly. Then the " payment '' for {$320.00} was all of a sudden declined on XX/XX/2023 for insufficient funds. Now how a " payment '' posts in XXXX but then declines 5 or 6 months later in XXXX is a head scratcher to me but that's what XXXX XXXX claims. XXXX XXXX also stated in the letter that if I feel there was an error for me to provide bank statements from XX/XX/2023 to XX/XX/2023 which I have done per her request. Now after all that it was brought to my attention that this situation has really nothing to do with insufficient funds in my bank account. The bank statements I've sent prove I have the funds to make my payments. This whole situation has everything to do with a written check that XXXX/Oportun says they have in their possession that they claim was sent in by me. I've told multiple customer service reps that I've spoken to over the phone that I don't make my payments via check because I don't own checks or even a checkbook. I've always make my payments via ACH through my bank account which is with XXXX XXXX XXXX XXXX through the Oportun mobile app. I've also checked with XXXX XXXX XXXX XXXX and it's been confirmed that I haven't ordered any checks from them and I don't have any checks with them so I have no idea where that check XXXXOportun has in their possession came from or who filled that check out with my information and sent it in but I can assure you that it wasn't me. I've called and spoken with customer service reps in different departments claiming that it could be a case of mistaken identity but nobody will give me any information about that check. I will be attaching files to show proof and back up the statements that I've made above. 

Thank you The 1st file shows the {$320.00} payment that posted on XX/XX/2023 The 2nd file shows the {$1900.00} payment that posted on XX/XX/2023 and the payment reversal that was initiated by XXXXOportun XXXX XX/XX/2023 The 3rd file is a letter from XXXX XXXX XXXX 

The 4th file show the receipt from the post office where I mailed my bank statements to XXXXOportun per XXXX XXXX XXXX request. XXXXOportun has had those bank statements for quite some time and I haven't heard from anyone including XXXX XXXX on trying to resolve this issue. 

The 5th file show where it was confirmed that the bank statements were delivered to XXXXOportuns po box . 

The 6th file is a letter from XXXX.