Loan Acceleration
Flex Pay (formerly Uplift)Headquarters
Important information
- Customer Complaint:BBB’s file for Uplift was created in June 2018. A review of complaints was completed in May 2024. Complaints on file concern issues with billing adjustments for canceled trips and accounts opened fraudulently.
BBB encourages consumers to review the company’s links below specifically the Terms of Use section 3.3 Fraud, and Frequently asked questions “what happens to my loan if I cancel my travels plans”?
https://www.uplift.com/agent-term-of-use/
https://forms.uplift.com/identityTheft
https://www.uplift.com/frequently-asked-questions/#toggle-id-7
Complaints
Customer Complaints Summary
- 312 total complaints in the last 3 years.
- 140 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:08/09/2024
Type:Order IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with UPLIFT, INC. I do not have a contract with UPLIFT ******** they did not provide me with the original contract as I requested.Business Response
Date: 08/14/2024
Hi *******, our teams thank you for reaching out. Our Grievance team has been in contact with you to provide the necessary documentation for Debt Validation as requested. Thank you for your patience while we researched and addressed all your concerns.Customer Answer
Date: 08/16/2024
Complaint: 22112459
Certainly! Here is a more professionally worded version of your request:
Good afternoon,
I am writing to express concern regarding a consent letter that appears to have been signed without my knowledge or approval. I was not involved in this process and have no awareness of any such consent letter.
Could you please assist in investigating the matter to determine who the card is connected to? I am willing to provide any necessary information to facilitate a thorough investigation.
Thank you for your attention to this matter.
Sincerely,
******* *******************************Business Response
Date: 08/20/2024
Hi *******, we certainly understand your frustration and can appreciate your concerns regarding your personal and financial information. Our Fraud Team will be in contact to explain the steps and documents needed to begin an investigation. Unfortunately, without them, we will be unable to reach a resolution.Customer Answer
Date: 08/20/2024
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
******* *******************************Initial Complaint
Date:08/08/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I took out a loan with uplift for travel. My trip was canceled by the airline. I was fully refunded by southwest, uplift refunded part of my money, and said the other portion failed. They stated it would be refunded in a week via zelle electronic check. That time passed and I still do not have my refund. I have emailed them several times and have received no response. I demand my refund with interest.Business Response
Date: 08/12/2024
Hi *****, our teams thank you for reaching out. Our Grievance team has been in contact with you to confirm the timeline for receipt of the refund check which is currently in process and provided you a path to contact our team if you do not receive the check within the timeline provided. Thank you for your patience while we researched and addressed all your concerns.Initial Complaint
Date:08/06/2024
Type:Order IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with UPLIFT *** , I do not have a contract with UPLIFT *** , they did not provide me with the original contract as i requestedBusiness Response
Date: 08/08/2024
Hi ****, our teams thank you for reaching out. Our Grievance team has been in contact with you to address your concerns. While Uplift had not previously received any request, we have provided all information to satisfy your request to provide Validation of Debt. Thank you for your patience while we researched and addressed all your concerns.Initial Complaint
Date:07/27/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I see fraud charges on my account from this company claiming that I purchased Avia ticket and I never bought any avia ticket using this company and didnt fly. I reached out to the company and to airlines and they both refused to dispute these non authorised charges. They provided me link at account on their website that they claiming I made, I followed the link and saw there is multiple attempts to take the loan under my name and their refusal to issue the loan. I dont understand why they issued the loan after so many obviously fraudulent attempts and didnt reached out to me to verify it.Business Response
Date: 07/29/2024
Hi ****, we certainly understand the frustration regarding this situation. Please know that we do take identity fraud very seriously at Uplift and investigate each matter thoroughly. Our Risk team has reached out directly to start this process. Again, we understand the frustration this has caused and hope the next steps we've recommended will help resolve the matter.Initial Complaint
Date:07/26/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Originally got a loan with carnival cruise, carnival cruise fully refunded the loan however, uplift still reported it to the credit bureau and now my credit has dropped 40 points. Try to speak to **************** and get this resolved, but they did not wanna give me the information to contact their credit department. .Business Response
Date: 07/29/2024
Hi *****, our teams thank you for reaching out. Our Grievance team has been in contact with you in order to confirm the accuracy of the information furnished to the credit bureau and provided additional information available regarding your concern. Thank you for your patience while we reviewed the account.Customer Answer
Date: 07/29/2024
Complaint: 22051780
I am rejecting this response because:
Sincerely,
***********************Business Response
Date: 07/29/2024
Hi *****, our teams thank you for reaching out. Again, Uplift stands by its credit reporting on your accounts and we are not aware of any inaccuracy in the information furnished about your accounts, or of any basis to revise or remove the reporting.Initial Complaint
Date:07/25/2024
Type:Order IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I bought a southwest vacation package and used uplift to finance it, I paid uplift in full and cancelled the trip, southwest refunded the money back to uplift and since my uplift account was paid off ********************** owed me a full refund. It has been over 30+ days and uplift has not refunded my money, they said they were going to send it by ***** 2 times and then they told me they sent me a check 2 times and I still havent received my refund. Please help me get my refund from upliftBusiness Response
Date: 07/26/2024
Hi *****, our teams thank you for reaching out. Our Grievance team has been in contact with you to confirm that the refund check was in fact sent out when the Zelle refund was not received. We have confirmed the address the check was mailed to and provided a timeline of when the check should be received as well as the means to communicate with our Grievance Team in case, you don't receive the refund check in question. Thank you for your patience while we researched and addressed all your concerns.Customer Answer
Date: 07/26/2024
From: ***** <***********************>
Sent: Friday, July 26, 2024 9:36 AM
To: info <************************************>
Subject: Re: You have a New Message from BBB Serving ********************** and ***************************, Complaint #********My complaint is resolved
Initial Complaint
Date:07/19/2024
Type:Product IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I got pre approved by them for a loan 4 days ago. I went to take out that pain today, and now it's suddenly saying I'm denied! I tried calling customer service, but it's just a bot that will give you two different answers, and then hang up on you. The same with emailing them. A random bot will just email you back. There's no getting in touch with anyone. I should NOT have gotten denied for that loan. My credit is good. Plus I had already been pre-approved. I deserve an explanation and my original pre approved loan!!!Business Response
Date: 07/19/2024
Hi *****. Our Grievance team has been in touch to provide details related to a previously approved application. As a reminder, we look at a number of factors, including your credit information, purchase details, and more, each time you apply. If you are not approved for a loan, the specific reasons of why you were not approved will be provided to you via email. Please know you do have the opportunity to re-apply at a later time.Initial Complaint
Date:07/18/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I reviewed my consumer report and informed your agency on May 13, 2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the ***** I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the ************************************ CFPB. I explained the violations your agency committed under the ***** while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the ***** as I informed you in the previous notice, which I have attached once more again for your record! Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit Reporting Acts Procedure in Case of disputed accuracy section, 15 USC 1681i(7)NACCURATE INFORMATION DISPUTE: - UPLIFT/CBW BANK # ********Business Response
Date: 07/23/2024
Hi ******, we certainly understand the frustration regarding this situation. Please know that we do take identity fraud very seriously at Uplift and investigate each matter thoroughly. Our Grievance Team recently emailed you, and we hope that our outlining of the next steps you could take in order to file any necessary claims of identity theft or otherwise were helpful. Again, we understand the frustration this has caused and hope the next steps we've recommended will help resolve the matter.Initial Complaint
Date:07/13/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On 03/2024, I made a travel purchase and unfortunately it had to be cancelled due to an illness. The trip was cancelled in less than 24hrs and all proper documentation was submitted to UPLIFT. Their site does say it would take about 30 days to find out information and for a refund to be issued. It is now July 2024 exactly 4 months to the date and with no feedback and no resolution. I have tried numerous times to send out emails and their reply is to submit the same documents that I have provided them several times. I have tried calling their support line and no live agents are ever available to answer the call instead I get a recording.Business Response
Date: 07/15/2024
Hi ***, our teams thank you for reaching out. Our Grievance team has been in contact with you to address your concerns regarding why the loan remains active, provided you an audit and loan documents to confirm the terms agreed on, and gave you the suggestion to work with the Merchant as Uplift has not received a refund from them. Thank you for your patience while we researched and addressed all your concerns.Initial Complaint
Date:07/09/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Loan #************ Amount $2860.36 We used uplift to pay southwest vacation and neither company is helping us get a refund southwest vacation will not cooperate with us after we filed a complaint and didnt stay the time they charged us for to stay at the resort they said they are not getting a respond from the resort we didnt stay in and they couldnt help us so we have tried to reach out to Uplift who payed southwest and they are not helping us with a refund then I have tried to just pay them off so we can stop paying interest and they are not cooperating they have threaten to report it to the credit bureau and ruin our credit both companies are completely awfulBusiness Response
Date: 07/10/2024
Hello ********, thank you for reaching out. Our Grievance team has been in touch with the Loan Holder to discuss all concerns related to the loan in question; specifically the active status of the loan. Uplift now considers this matter resolved. Thank you for your understanding.
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