Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
On XXXX XX/XX/year> I received a call from XXXX, I answered and the person said can I speak to XXXX I said who is this and they stated let me get your information first before I go further, the person did not disclose or tell me they was Opp Loans. They did not tell me this until getting my information. The male on the phone was very disrespectful and rude when I told him I disputed the debt and I wanted debt verification in writing and proof that he had the legal right to collect this debt. He kept using an abusive tone and saying what proof, what proof, we don't have to proof anything your name is on this loan. He threatened me with charging more interest every day and threatened me with a 3rd party debt collector. He was very abusive toward me with the tone and manner of his voice. I asked him multiple times to mail me verification or proof he had the right to collect on this debt, he refused and said he wasn't going to go back and forth with me and hung up. Opp Loans and this individual who called me from them violated the FDCPA in several ways. Listed Below. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. - By using an abusive aggressive tone towards me and kept asking me and telling me " what proof '' we dont have to send you proof. Your name and number is here. The advertisement for sale of any debt to coerce payment of the debt. - By threatening to sell to a 3rd party debt collector and by threatening higher interest every day. Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. - By not wanting to disclose it was opp loans until I gave my information first. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. - By contacting me still after I have sent them several emails disputing the debt and asking for verification and do not contact me for payment until this is provided.

Company response to consumer: Closed with explanation