What is Oportun?

In the realm of contemporary finance, where technological advancements are reshaping conventional practices, Oportun emerges as a distinctive player, offering a unique approach to financial services, particularly targeting underserved communities. However, Oportun also has a history of aggressive debt collection.

If you’ve been sued by Oportun, or one of its partner banks, SoloSuit can help you respond to the lawsuit and resolve your debt before going to court. Keep reading to learn more.

Sued by Oportun? Settle your debt with the help of SoloSettle.

What is Oportun?

Oportun, also known as Oportun, Inc. and Oportun, LLC, is a financial services company that specializes in providing affordable and responsible loans to individuals who may have limited or no access to traditional banking systems.

Now, let’s get more specific. Oportun provides loan sums ranging from $300 to $10,000, with repayment windows spanning 12 to 54 months. The highest Annual Percentage Rate (APR) offered by Oportun stands at 35.99%. Oportun personal loans and credit cards may be financed by Pathward®, N.A., depending on the state where the loan occurred.

Oportun wants to make personal loans available to all

Oportun stands out not only as a financial services provider but also as a mission-oriented entity. Its central objective revolves around extending affordable and responsible financial

solutions to individuals who might not have easy access to mainstream banking services.

With the fundamental belief that everyone should have equal opportunities to shape their financial futures, Oportun addresses the gaps between underserved populations and traditional financial channels.

Technology forms the bedrock of Oportun's operations, particularly in its innovative assessment of creditworthiness. Unlike conventional credit evaluation systems that often exclude those with limited credit histories, Oportun embraces alternative data sources. By employing advanced algorithms and machine learning, the company analyzes various financial behaviors, such as rent and utility bill payments.

This comprehensive evaluation allows Oportun to extend loans to individuals who might otherwise be overlooked by conventional lenders, thus widening access to financial resources.

Despite its borrower-centric approach, Oportun has a history of filing excessive debt collection lawsuits. In recent years, the company even changed some of its rate in response to the backlash against its litigious ways.

Oportun ramped up debt collection lawsuits in 2020

In 2020, Oportun's debt collection practices drew significant attention and scrutiny.

According to an investigative report by ProPublica and The Texas Tribune, Oportun came into the spotlight for being among the foremost initiators of debt-related lawsuits in the spring of 2020, a period marked by the global COVID-19 pandemic.

The investigation revealed that, despite the challenging circumstances posed by the pandemic, Oportun continued to pursue legal actions against borrowers who were struggling to keep up with their payments. Oportun even openly acknowledged itself as the primary financial institution filing small claims lawsuits in both California and Texas during 202.

Responding to the backlash, Oportun made notable changes to its operational strategies. The company introduced a significant reform by imposing a ceiling on its interest rates, setting the cap at 36%. Additionally, Oportun took action by dismissing all ongoing litigation cases and temporarily suspending any new filings of legal proceedings.

The publicized investigation underscored the complexities surrounding Oportun's debt collection practices, prompting the company to revise its approach and address the concerns raised about its impact on borrowers facing financial hardships.

Read also: How to Beat an Oportun Lawsuit

What bank does Oportun work with?

Oportun provides direct deposit accounts (Direct℠) in collaboration with its banking partner, Pathward, N.A., which is a member of the FDIC. In specific regions, Oportun also extends personal loans through its partner Pathward, N.A., and offers credit card services through its association with WebBank, N.A.

So, if you’ve been sued by Pathward, N.A. or WebBank, N.A., it could be due to your delinquent account with Oportun.

Resolve your debt with Oportun

Facing a debt lawsuit can be an overwhelming experience, especially when it involves a company like Oportun. Luckily, you have options. For example, SoloSuit can help you respond to a debt lawsuit and negotiate a debt settlement before your court date.

If you’ve been sued over an Oportun debt, you will received a Summons and Complaint (also known as a Petition in some states). These documents outline the case details and specific claims against you. You should respond to the Summons and Complaint with a written Answer before your state’s deadline. Use the calculator below to determine how long you have to respond to your Oportun debt lawsuit:

In your Answer, focus on responding to the numbered claims listed in the Complaint document (or Petition, if you live in Texas). You can respond to each claim by saying you admit, deny, or deny due to lack of knowledge. After you’ve addressed each claim, you should also assert your affirmative defenses.

An affirmative defense is any legal reason you should not be held liable for the debt. This may include reasons such as an expired statute of limitations, lack of standing, improper service, fraud or misrepresentation, or bankruptcy discharge.

SoloSuit makes it easy to respond to each claim and assert your affirmative defenses.

Once you’ve drafted and filed an Answer to your Oportun debt lawsuit, you have bought yourself time to work out a debt settlement agreement with Oportun. This is the surest way to resolve your debt once and for all. SoloSettle can assist you in the settlement negotiation process. To learn more about how to settle a debt with Oportun, watch this video:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

• Alabama
• Alaska
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• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
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• Maryland
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• Texas
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Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

• Absolute Resolutions Investments LLC
• Accredited Collection Services
• Alliance One
• Amcol Clmbia
• American Recovery Service
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Autovest LLC
• Cach LLC
• Cavalry SPV I LLC
• Cerastes LLC
• Colinfobur
• Covington Credit
• Crown Asset Management
• CTC Debt Collector
• Cypress Financial Recoveries
• Delanor Kemper & Associates
• Eagle Loan of Ohio
• Educap
• Estate Information Services
• FIA Card Services
• Forster & Garbus
• Freshview Solutions
• Fulton Friedman & Gullace LLP
• Harvest Credit Management
• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Mountain Land Collections
• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
• Capital One
• Chase
• Credit One Bank
• PayPal Synchrony Card
• SYNCB/PPEXTR
• Synchrony Bank
• Target National Bank
• Wells Fargo

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