Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX, and I am the legal surviving spouse of my now-deceased husband XXXX XXXX XXXX XXXX In or around XXXX, both XXXX and I took out installment/payday loans through Opportunity Financial , LLC, also known as OppLoans and XXXX. In or around XXXX, I settled my loan in full for less than the original balance, and my credit reports do reflect a " paid in full/settled for less than full balance, '' showing a XXXX balance. As part of their verbal settlement offer, they agreed to delete the tradelines/account from all three major credit bureaus once I paid my balance in full, which I did do ; it reports as a XXXXXXXX balance to all three bureaus. For the last couple of years, I have filed -- and will continue to file -- legitimate complaints about OppLoans ' debt collection and credit reporting practices, which have included falsified promises to delete the debt/tradeline once I paid it in full for the amount agreed upon in their verbal settlement, and OppLoans intentionally continues to report my debt despite the debt being older than the timeframe allotted for negative items to continue reporting to credit bureaus. Each time OppLoans responds to my complaint, they write voluminous letters that are intentionally and deliberately written in legal language -- not in plain XXXX -- to knowingly confuse and baffle me, attempting to dissuade me from taking further regulatory and legal action against them. Their responses often ramble XXXX XXXX off with words and claims that don't exist. In short, OppLoans ' responses to my complaints do nothing to fix the issue nor specifically address my specific concerns. Changing gears, XXXX is deceased as of XX/XX/year>, having completed XXXX XXXX XXXX XXXX XXXX XXXX XXXX while I was in the next room. I have attached his official XXXX  certificate as proof. Shortly after his XXXX, I contacted all of XXXXXXXX XXXX creditors, including OppLoans and their incessant communications -- telephone calls, emails and postal letters -- seeking to collect upon XXXXXXXX XXXX debt to them. I informed them at least twice, and more recently in XXXX when I physically spoke to one of their representatives, that XXXX is XXXX and to cease and desist all contact with me concerning his debt. I was advised to fax in proof of his XXXX, which I faxed in the attached XXXX  certificate, along with other personally identifying details, and attached a letter explaining XXXXXXXX XXXX situation and advised OppLoans that I demanded they cease and desist all contact with me of any kind, including XXXXXXXX XXXX outstanding debt. OppLoans did honor my request, ceasing contact with me for around two years, until recently when I began to file numerous complaints about them, which I've described herein. At that point, OppLoans took my email address -- - XXXX -- and began sending me the attached emails, addressed to XXXX, asking XXXX to settle his debt via countless emails with poorly worded, unclever subject lines. Please view the attached emails. I believe OppLoans, upon receiving my many complaints about them to regulatory bodies, did deliberately and knowingly begin harassing me and inflicting intentional emotional harm against me by attaching my email address -- that resembles nothing related to XXXX -- to my deceased husband 's unpaid loan, in attempt to exact revenge and cruelty on me, having been given a copy of his XXXX certificate that clearly lists he died as a result of suicide by a gunshot to the head. I believe OppLoans is using illegal, unethical, unfair, deceptive and abusive debt collection practices, forbidden under the FDCPA, to intimidate and retaliate against consumers like me who make legitimate complaints against their company for actions such as these and many others they take that are unethical, fringing up against illegal, or downright illegal.

Company response to consumer: Closed with explanation