Credit reporting
Opportunity Financial: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 124
- Closed with money back
- 0%
- 2023 to 2025
- 26 to 67
Servicemembers filed 9.7% of Opportunity Financial's 1,282 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 26 in 2023 to 67 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 55 |
| Payday loan, title loan, personal loan, or advance loan | 29 |
| Debt collection | 25 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
| Payday loan, title loan, or personal loan | 6 |
By issue
| Incorrect information on your report | 40 |
| Improper use of your report | 15 |
| Charged fees or interest you didn't expect | 12 |
| Problem with a company's investigation into an existing problem | 11 |
| Attempts to collect debt not owed | 10 |
| 2023: 26 | 2024: 31 | 2025: 67 |
Which accounts, specifically
| Credit reporting | 63 |
| Installment loan | 23 |
| I do not know | 19 |
| Payday loan | 9 |
| Personal line of credit | 7 |
What went wrong, specifically
| Information belongs to someone else | 16 |
| Reporting company used your report improperly | 14 |
| Account information incorrect | 14 |
| Their investigation did not fix an error on your report | 8 |
| Account status incorrect | 8 |
Busiest month: November 2025, with 10 servicemember complaints. Most were submitted by web.
Most complaints came from FL (19), VA (16), TN (14) , then TX, MS, GA.
How Opportunity Financial answered
| Closed with explanation | 123 | 99% |
| Closed with non-monetary relief | 1 | 1% |
Opportunity Financial responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Payday loan, title loan, personal loan, or advance loan; Incorrect information on your report. GA, 2024-09-01. Outcome: Closed with explanation. Complaint 9985012
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Payday loan, title loan, personal loan, or advance loan; Problem when making payments. FL, 2024-07-19. Outcome: Closed with explanation. Complaint 9556253
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Credit reporting or other personal consumer reports; Incorrect information on your report. VA, 2024-07-12. Outcome: Closed with explanation. Complaint 9482532
If this is your problem at Opportunity Financial
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with credit reporting peers
- Ford Credit 136 servicemember complaints; 1% with money back
- World Acceptance 138 servicemember complaints; 0% with money back
- Mariner Finance 139 servicemember complaints; 0% with money back
- Consumer Portfolio Services 146 servicemember complaints; 0% with money back
- CashRepublic 149 servicemember complaints; 1% with money back
Next in the directory by volume: Credit Corp Solutions, American Honda Finance, FinCo Services Inc Dba Current.
Frequently asked questions
How many complaints did servicemembers file against Opportunity Financial?
124 complaints tagged servicemember were received by the CFPB about Opportunity Financial, LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 26 in 2023 to 67 in 2025.
What do servicemembers complain about most at Opportunity Financial?
Credit reporting or other personal consumer reports accounts for 55 of the 124 complaints, and the most common issue is "Incorrect information on your report" (40). Next: "Improper use of your report" (15).
Does Opportunity Financial give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 1 closed with non-monetary relief and 123 closed with an explanation only. Opportunity Financial answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.