Consumer complaint received 2019-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Opportunity Financial, LLC
State: SC

Complaint narrative:
In XX/XX/XXXX, OppLoans agreed that I would repay {$2000.00} at 0 % interest with payments of {$80.00} per month. I established this arrangement via telephone, however, I now have a history documenting OppLoans refusal to put ANY communications in writing. Every time I request a written response from OppLoans, I receive an email stating : Thank you for contacting OppLoans. We appreciate your business. Please call us at ( XXXX ) XXXX to discuss your account options in greater detail. I always respond back that I will only communicate in writing and never receive any response. I have never received any mailings from OppLoans concerning my account. 

OppLoans has now FRAUDULENTLY reported my account as Charged Off to the credit bureaus devastating my credit score. I have a child to send to college and this is negatively impacting my ability to apply for financial aid for him. 

I abided by ALL agreements and NEVER strayed. OppLoans has REPEATEDLY NOT abided by what was agreed to. 

I will break it down very simply. 

XX/XX/XXXX : Balance Due of {$2000.00} ; established monthly payments of {$80.00}.

XX/XX/XXXX : {$80.00} due XX/XX/XXXX : Paid {$99.00} more than satisfying {$80.00} due ; paid an excess of {$19.00} applied to XX/XX/XXXX payment. 

XX/XX/XXXX : {$80.00} due XX/XX/XXXX: Paid {$19.00} ; XX/XX/XXXX : Paid {$99.00} when only {$60.00} remained due on XX/XX/XXXX {$80.00} payment ; excess of {$39.00} applied to XX/XX/XXXX payment. 

XX/XX/XXXX : {$80.00} due XX/XX/XXXX : Paid {$39.00} XX/XX/XXXX : Paid {$25.00} XX/XX/XXXX :  Paid {$75.00} when only {$15.00} remained due on XXXX payment ; excess of {$59.00} applied toXX/XX/XXXX payment XX/XX/XXXX : {$80.00} due XX/XX/XXXX : Paid {$89.00} ; excess of {$9.00} applied to XX/XX/XXXX payment XX/XX/XXXX : {$80.00} due XX/XX/XXXX: Paid {$9.00} XX/XX/XXXX : Paid {$99.00} when only {$70.00} remained due on XX/XX/XXXX payment ; excess of {$28.00} applied to XX/XX/XXXX payment. 

XX/XX/XXXX : XX/XX/XXXX : Paid {$99.00} when only {$80.00} was due ; excess of {$19.00} applied to XX/XX/XXXX payment ( see explanation below ) I communicated all of this with OppLoans in writing and received no written statement that my calculations were incorrect or payment schedule was not up to date. 

In the midst of this, the government shutdown happened in XX/XX/XXXX/XX/XX/XXXX. I communicated with OppLoans via telephone as that is the only way they will communicate and they agreed to defer two payments. So, I now had additional relief. XX/XX/XXXX and XX/XX/XXXX were deferred per OppLoans telephone representative. 

XX/XX/XXXX : {$0.00} due Due to government shutdown ; OppLoans deferred this payment. Confirmed with me via telephone. 

XX/XX/XXXX : {$0.00} due Due to government shutdown ; OppLoans deferred this payment. Confirmed with me via telephone. 

XX/XX/XXXX : {$80.00} due XX/XX/XXXX : {$19.00} paid XX/XX/XXXX : {$100.00} paid when only {$61.00} was due ; excess of {$39.00} applied to XX/XX/XXXXpayment. 

XX/XX/XXXX : {$80.00} due XX/XX/XXXX: {$39.00} paid XX/XX/XXXX : {$50.00} paid when only {$41.00} was due ; excess of {$9.00} applied to XX/XX/XXXX payment XX/XX/XXXX : {$80.00} due XX/XX/XXXX : {$9.00} paid XX/XX/XXXX : {$50.00} paid XX/XX/XXXX : {$10.00} paid XX/XX/XXXX : {$10.00} paid XX/XX/XXXX : {$80.00} due XX/XX/XXXX : {$10.00} paid XX/XX/XXXX : {$30.00} paidXX/XX/XXXX : {$30.00} paid XX/XX/XXXX : {$30.00} paid when only {$10.00} remained ; excess of {$20.00} applied to XX/XX/XXXX payment XX/XX/XXXX : {$80.00} due XX/XX/XXXX : {$20.00} paid XX/XX/XXXX : {$10.00} paid XX/XX/XXXX : {$10.00} paid XX/XX/XXXX : {$10.00} paid XX/XX/XXXX : {$5.00} paid XX/XX/XXXX : {$5.00} paid XX/XX/XXXX : {$20.00} paid XX/XX/XXXX : {$80.00} due XX/XX/XXXX : {$10.00} paid XX/XX/XXXX : {$5.00} paid XX/XX/XXXX : {$5.00} paid XX/XX/XXXX : {$5.00} paid XX/XX/XXXX: {$5.00} paid XX/XX/XXXX : {$5.00} paid From XX/XX/XXXX XX/XX/XXXX, I had 12 payments of {$80.00} each due. I owed {$960.00} yet paid {$990.00}. I paid an excess of {$33.00}. I only owed {$46.00} for XX/XX/XXXX. 

I contacted OppLoans repeatedly about false reporting as my online account kept saying Past Due but then showed {$80.00} due XX/XX/XXXX. It was contradictory so I reached out. I contacted them on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXNO RESPONSE. 

On XX/XX/XXXX, I logged on to make my XX/XX/XXXX payment. I could not access my account. AGAIN, I WAS completely UP TO DATE in all payments. I could not access my account. I emailed OppLoansNO RESPONSE!! NO EXPLANATION. I mailed my payment. 

For my routine credit report check I conducted this morning, I was sickened to see OppLoans reported me in XX/XX/XXXX as a PAST DUE/CHARGED OFF account!!!!! This is FRAUD!!!!! I was NEVER PAST DUE!!!! OppLoans NEVER communicated we me before doing this. I reached out REPEATEDLY!!! 

This is DISGUSTING and is doing TREMENDOUS DAMAGE to my credit. 

I demand OppLoans correct this reporting and reestablish a repayment schedule with me for my remaining amount due. 

I have a child going to college. I need to be able to apply for financial aid and now have a SERIOUS DERAGATROY BLEMISH due to NO FAULT OF MY OWN!!!!! This is FRAUD!!!!!

Company response to consumer: Closed with explanation