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What do I do if I am a victim of identity theft or fraud?

If you have been the victim of identity theft, then please review the recommended next steps detailed in this guide.

Required Steps:

  1. File a Police Report – Complete a report about the suspected fraud at your local police department and keep a copy for your records.

OppLoans suggests that you include the following information in the police report:

      • How and when you became aware of the suspected fraud
      • If funds from the loan were deposited into an account on which you are an authorized signer or to which you have access, include the names and addresses of any other co-owners or authorized signers.
      • If you are not the recipient of the loan proceeds, provide any information you have relating to the recipient(s) of the loan proceeds
      • The time frame for the fraudulent activity
      • The names of any other lenders or financial institutions you believe were also defrauded
  1. Send the Police Report to OppLoans – Now that you have completed the police report, with the details listed above, please send a copy to

The police report will help with:

      • Removing fraudulent information from your credit report
      • Stopping debt collection activity connected to the alleged fraud
      • Placing a fraud alert on your credit report that can stay in effect for seven years
      • Obtaining information from other companies concerning accounts that may have been opened or misused due to the fraud

Additional Recommendations:

  1. Contact All Other Credit Card or Loan Agencies Where You Hold Accounts – In addition to contacting OppLoans, we suggest contacting all of your other financial institutions as it is common for fraudsters to commit additional acts of fraud after obtaining a consumer’s personal information.
  2. Freeze Accounts – Close all additional accounts that you believe were used or opened fraudulently. If you intend to open new accounts, you should consider changing personal identification numbers such as pins or passwords. Password tip: It is always recommended to combine numbers, letters, and symbols.
  3. Contact Credit Report Companies – Create a fraud alert with the Credit Report Companies.  A fraud alert requires the prospective company to verify your identity before issuing credit in your name. The initial alert stays on your credit report for one year.

To set up a fraud alert:

      • Call one of the companies below (Only one is required).
      • Report that you are a victim of identity theft.
      • Ask the company to freeze or flag your account.
      • Request a copy of your credit report from each of the three credit reporting agencies. Provide your current contact.
      • Set a reminder. Your original fraud alert will stay on your credit report for one year. You must renew if you intend to keep it on for longer.
      • Record all dates and interactions, including calls and   Also, keep copies of ALL letters that have been sent.
  1. Submit an Identity Theft Report with the FTC – The Federal Trade Commission (FTC) is a bipartisan federal agency with the mission to protect consumers and promote competition. The FTC protects consumers by stopping unfair, deceptive or fraudulent practices. Once you submit your report, you will need to print a copy of the complaint. It is suggested that you send a copy to the company in question.

To submit an identity theft complaint, do one of the following:

      • Contact the FTC’s Identity Theft Hotline at 877-ID-THEFT (877-438-4338)
      • File your complaint online at (Again, be sure to print and save copies.)
  1. Dispute Errors with Credit Report Agencies – Send a letter to each credit reporting agency explaining mistakes you notice on existing accounts, include all errors you found.  Provide the dispute in writing and attach the FTC and police reports.

*It is important to follow up on all inaccuracies and continue to monitor your credit report for potential future fraudulent activity. Additionally, you should continue to communicate with each company’s fraud team until the fraud has been confirmed or the case has been closed.

*Once the police report is obtained, OppLoans will investigate immediately. You will be notified of our outcome at the end of our investigation.  If no fraud has been found, you will be informed you are still liable for the repayment of the loan.

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Applications submitted on this website may be originated by one of several lenders, including: Opportunity Financial LLC, a licensed lender in certain states; or one of our lending partners. All loans originated by our lending partners will be serviced by OppLoans.

DE residents: Opportunity Financial, LLC is licensed by the Delaware State Bank Commissioner, License No. 013016, expiring December 31, 2020.

NM Residents: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website

NV Residents: The use of high-interest loans services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

1 Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds are typically deposited via ACH for delivery for next business day if verification is completed and final approval occurs before 7:30 PM ET, Monday-Friday. Availability of the funds is dependent on how quickly your bank processes the transaction.

2 OppLoans performs no credit checks through the three major credit bureaus Experian, Equifax, or TransUnion. Applicants’ credit scores are provided by Clarity Services, Inc., a credit reporting agency.

3 Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with OppLoans. Ratings on third-party websites may periodically change; please check the third-party websites for up-to-date reviews and ratings. Check loan reviews.

4 Rates and terms vary by state. This is an expensive form of credit and you should determine whether our product(s) meets your financial needs.

5 According to the Consumer Federation America, a non-profit consumer advocacy group, payday loans range in size from $100 to $1,000, depending on state legal maximums, and carry an average annual percentage rate (APR) of 400%. The maximum APR for a loan offered through and serviced by OppLoans is 199% and loan sizes range from $500 to $5,000.

† OppLoans reports customer payment history to the three major credit bureaus. On-time payments may improve credit score. Credit reporting not available for Texas customers.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

If you have questions or concerns, please contact the Opportunity Financial Customer Support Team by phone at 855-408-5000, Monday – Friday, 7 a.m. – 11:30 p.m. and Saturday and Sunday between 9 a.m. – 5:00 p.m. Central Time, or by sending an email to

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