Consumer complaint received 2023-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have spent the past six months, trying to pay off a loan that was taken fraudulently in my name via opportun for maybe {$1000.00}. Back in XX/XX/2022 I called into Oportun and was told that on a recorded line, my payment has gone through. I was given a confirmation number. It was told I have nothing else to worry about. I had to call and make payment because the online portal payment portal would not allow me to make a payment to my account. It was stating that my account was closed even though I still had a balance when I called the rep told me that my account was closed even though for some reason there was still a balance in that he was also unable to take up a payment due to bring his supervisor who then told me that she could take the payment use my debit card after about four hours of being on the phone they finally said that they took it off my debit card and they said it would post within three business days which was suspicious because its a debit card. It should be instant instant, but since they provide me with a confirmation number I figured that it had to be legitimate fast forward six months the delinquency reported on my credit score with this account for being 131 days late when I was told that it cleared I called back the company and I gave them the confirmation number, and they told me that the confirmation number does not exist, and if there was no documentation or notation of me ever try to make this payment, or being told that it was paid through, then try to extort me for {$610.00} tell me that theres nothing that they can do at which point I report it as fraud. The whole entire loan was not taken out by me I dont know who took it out. It was taken out online and this is a shady shady company. They transfer me seven times not even warning me before I transfer it every single time after re-explain the situation to the next XXXX  Im talking to you. so finally they say that theyre going to file a fraud report. This was last week I called back this week for an update so Im told that they will be contacted in 3 to 5 business days and Im told that the report was never filed and no documentation exists I have now been denied a mortgage because of this delinquency they are lying to me search my face theyre not giving me answers. They refuse to transfer me to the legal or fraud department. They want to give me the runaround for hours and hours and hours and hours nobody has the answers nobody can help nobody has any solutions all they try to do is collect the money from you when Im Im not going to pay it. The total balance with my account became close. It was {$210.00}. Now its {$610.00} isnt that interesting? They need to remove this XXXX from my credit score and remove this loan from my name. Otherwise the only one going to complain here I will be filing litigation against him. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief