Several consumer advocacy groups are opposing Oportun Financial's application for a national bank charter, citing concerns about the company's lending and debt-collection practices. Many of those issues came to light in a ProPublica investigation over the summer that focused on the high proportion of collection suits that the online lender had filed in recent years and its high proportion of repeat borrowers. Oportun charges high interest rates, rolls over too much debt and has been too quick to take borrowers to court when they fall behind on payments, the community groups wrote in comment letters to the Office of the Comptroller of the Currency. The company’s application also lacks a sufficient Community Reinvestment Act plan, several of the groups wrote.