Complaints

The 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:07/26/2024

  Type:Product Issues
  Status:

  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 *********, July 17. 2024 I teceived a text message from ***************************** stating I qualified for a loan for $3k snd the psyments would be $95 per month. He then asked me to call him at ************. I called spoke *********************** provided him with all my personal information he needed. He then told e he wss trsnsferring me to his Executivr Loan Officer. He did not take the call. ******* afvised me je eoulf call back. My phone stops anything suspected Spam. The retun call was returnef but went to Voice mail. I returned the call. I spoke with a diffetent gentleman. I did not catch his name. He vrrified my information. Confirmed the bank I use. At this point the red flag should have gone up. He asked for my online banking information. Not thinking I provided the information. He stated to confirm my account was active he needed to make small deposits that would have to sent back with Cash App. Of course s Scam message popprf up, He advised me it was fine and to proceed. After returning the first payment my bank would not send any more funds. He then had me **** the funds through Apple Pay. I haf s hard time setting it up due to a paper DL. I was able to send $500 back to him. He then mafe 2 more deposits into my account and wanted them sent back also. However he jsf mr send them through cash App Bit Coins. The deposits were not EFT, they were paper checks. The checks Were fraudulent. On Thursday July 19, all of my accounts were frozen. I have tried calling the number i had.from Tuesday. A gentleman answered the phone. I asked for the name of the company, He statef Universsl Credit.At this point I was hoping they were going to make briefly explained my situation,I could hear him typing, The call was disconnected. I immediately tried calling back. He had blocked my phone number. I also tried *******'s number and was blockef ad well. I then text both men. It has been a week and have not hearf from them. Im stuck with a frozen overdrafted checking account.

  

  Business Response

  Date: 08/05/2024

  Hi ********,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 4037.
  
  We would like to confirm that an application for credit was submitted in your name on July 28, 2024. We were unable to extend any offers at the time of the applications, and you were provided with adverse action notices, informing you the reasons why you were not approved.
  
  We wanted to provide you with some information since Upgrade and Universal Credits names and logos have been fraudulently used by individuals operating loan scams. We strive to provide the best possible experience for our current and potential customers and regret that they have targeted you for their own financial gain. 
  
  Universal Credit is an online lending platform powered by Upgrade. We partner with banks and other financial institutions to originate loans obtained through Universal Credit and Upgrade. Any email communication from Upgrade will come from the domain of @upgrade.com, such as *******************.  Upgrade only accepts applications for the Upgrade Card online at Upgrade.com, and applications for a personal loan may be submitted online at Upgrade.com or over the phone by calling **************. At Upgrade, applications will never be taken through email correspondence, although Upgrade may follow up on an existing application by email from an email address ending in @upgrade.com.
  
  Upgrade will never ask for any type of advanced fee in exchange for a loan. While Upgrades lending partners may charge an origination fee, all origination fees are taken from the loan proceeds, and are therefore not required out-of-pocket.
  
  Upgrade also has no affiliation with Priority Account Servicing, Priority Payday Loan, or Cash Priority Account Servicing.
  
  If you had provided any personal information (such as your name, date of birth, social security number and/or banking details) to an individual claiming to be an Upgrade representative on any phone number(s) included in the email or Loan Agreement Paper you received, we recommend you take the following precautions:
  
  - Report the suspicious email to *********************************************
  - File an identity theft claim at www.identitytheft.gov
  - Contact your local police department to file a report
  - Contact Experian, Equifax, and TransUnion to place a freeze on your credit report so that it cannot be accessed without authorization and request that a Consumer Statement is placed on your credit report so that lenders must take additional steps to verify your identity before extending credit.
  - Contact your bank to alert them of any fraudulent transactions
  
  We hope this information has been helpful and thank you for reaching out to us. If you believe you have been a victim of this scam, please contact us at **************, MondayFriday, 8am5pm Pacific Time.
  
  With regards,
  
  Upgrade Customer Support
  

• Initial Complaint

  Date:06/03/2024

  Type:Service or Repair Issues
  Status:

  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.

  This company randomly texted me saying I qualified for a $3,000 loan and they sent me unwarranted $588 dollars to send to a cashapp named ****** *******, cashapp said it was a scam so I did not send the money... DO NOT GIVE THESE PEOPLE YOUR INFORMATION

  

  Business Response

  Date: 06/12/2024

  Hi *****,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 3864.
  
  We would like to confirm that an application for credit was submitted in your name on June 2, 2024. We were unable to extend any offers at the time of the applications, and you were provided with adverse action notices, informing you the reasons why you were not approved.
  
  We wanted to provide you with some information since Upgrade and Universal Credits names and logos have been fraudulently used by individuals operating loan scams. We strive to provide the best possible experience for our current and potential customers and regret that they have targeted you for their own financial gain. 
  
  Universal Credit is an online lending platform powered by Upgrade. We partner with banks and other financial institutions to originate loans obtained through Universal Credit and Upgrade.
  
  Any email communication from Upgrade will come from the domain of @upgrade.com, such as *******************.
  
  Upgrade only accepts applications for the Upgrade Card online at Upgrade.com, and applications for a personal loan may be submitted online at Upgrade.com or over the phone by calling **************. At Upgrade, applications will never be taken through email correspondence, although Upgrade may follow up on an existing application by email from an email address ending in @upgrade.com.
  
  Upgrade will never ask for any type of advanced fee in exchange for a loan. While Upgrades lending partners may charge an origination fee, all origination fees are taken from the loan proceeds, and are therefore not required out-of-pocket.
  Upgrade also has no affiliation with Priority Account Servicing, Priority Payday Loan, or Cash Priority Account Servicing.
  
  If you had provided any personal information (such as your name, date of birth, social security number and/or banking details) to an individual claiming to be an Upgrade representative on any phone number(s) included in the email or Loan Agreement Paper you received, we recommend you take the following precautions:
  
  - Report the suspicious email to *********************************************
  - File an identity theft claim at www.identitytheft.gov
  - Contact your local police department to file a report
  - Contact Experian, Equifax, and TransUnion to place a freeze on your credit report so that it cannot be accessed without authorization and request that a Consumer Statement is placed on your credit report so that lenders must take additional steps to verify your identity before extending credit.
  - Contact your bank to alert them of any fraudulent transactions
  
  We hope this information has been helpful and thank you for reaching out to us. If you believe you have been a victim of this scam, please contact us at **************, MondayFriday, 8am5pm Pacific Time.
  
  With regards,
  
  Upgrade Customer Support
  

• Initial Complaint

  Date:04/27/2024

  Type:Product Issues
  Status:

  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 received a phone call from universal credit, even though I never filed an application with them and they said I was approved for a loan but sent me money to send back to them using cash app or gift cards and when contacting the company they have no record of this approval or application and I have them launching an investigation but they sent me money and I dont know what to do because I dont want them to send me any larger money or information than I have a preach give due to the fact that there are no records of this and I have not signed any agreement nor do I want me to give them money that I have to pay back because of a bounced back check or fraudulent money being sent to my account which is the impression Im under. I have also tried looking up the same company logo that they have which is the upgrade (universal credit) logo and have found no such company.

  

  Business Response

  Date: 05/03/2024

  Hi *****,
  

  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 3782.
  

  We wanted to provide you with some information since Upgrade and Universal Credits names and logos have been fraudulently used by individuals operating loan scams. We strive to provide the best possible experience for our current and potential customers and regret that they have targeted you for their financial gain. 
  

  Universal Credit is an online lending platform powered by Upgrade. We partner with banks and other financial institutions to originate loans obtained through Universal Credit and Upgrade.
  Any email communication from Upgrade will come from the domain of @upgrade.com, such as *******************. 
  

  Upgrade only accepts applications for the Upgrade Card online ****************** , and applications for a personal loan may be submitted online ****************** or over the phone by calling **************. At Upgrade, applications will never be taken through email correspondence, although Upgrade may follow up on an existing application by email from an email address ending in @upgrade.com.
  

  Upgrade will never ask for any type of advanced fee in exchange for a loan. While Upgrades lending partners may charge an origination fee, all origination fees are taken from the loan proceeds and are therefore not required out-of-pocket.
  

  Upgrade also has no affiliation with Priority Account Servicing, Priority Payday Loan, or Cash Priority Account Servicing.
  

  If you had provided any personal information (such as your name, date of birth, social security number, and/or banking details) to an individual claiming to be an Upgrade representative on any phone number(s) included in the email or Loan Agreement Paper you received, we recommend you take the following precautions:
  
  1. Report the suspicious email to *********************************************
  2. File an identity theft claim at ****************************
  3. Contact your local police department to file a report
  4. Contact Experian, Equifax, and TransUnion to place a freeze on your credit report so that it cannot be accessed without authorization and request that a Consumer Statement be placed on your credit report so that lenders can take additional steps to verify your identity before extending credit.
  5. Contact your bank to alert them of any fraudulent transactions
  
  We hope this information has been helpful and thank you for reaching out to us. If you believe you have been a victim of this scam, please contact us at **************, MondayFriday, 8am5pm Pacific Time.
  

  With regards,
  

  The Upgrade Team

• Initial Complaint

  Date:02/21/2024

  Type:Billing Issues
  Status:

  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 applied for a loan and they deposited fraudulent check in my account an now I'm liable for the credit can you help me the man name is ***************************** his number is ************ the office number is ***********

  

  Business Response

  Date: 02/26/2024

  Hi *******, 
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 3561.
  
  We are sorry to hear about your experience and we are currently investigating the issue(s) you reported. Once we have concluded our investigation a Customer Advocacy Team member will reach out to you directly to discuss the findings and next steps within the next 2-3 business days.
  
  We appreciate your patience while we review this matter. If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at **********************. 
  
  We look forward to speaking with you and resolving this matter!
  
  Thank you, 
  
  The Upgrade Team 
  
  
  

• Initial Complaint

  Date:12/14/2023

  Type:Product Issues
  Status:

  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 tried to secure a loan through Universal Credit. They deposited money in my account. They went into my family members accounts and transferred monies to other accounts.

  

  Business Response

  Date: 12/26/2023

  Hi ******,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 3324.
  
  We would like to confirm that an application for credit was submitted in your name on December 11, 2023. We were unable to extend any offers at the time of the applications, and you were provided with adverse action notices, informing you the reasons why you were not approved.
  
  We wanted to provide you with some information since Upgrade and Universal Credits names and logos have been fraudulently used by individuals operating loan scams. We strive to provide the best possible experience for our current and potential customers and regret that they have targeted you for their own financial gain. 
  
  Universal Credit is an online lending platform powered by Upgrade. We partner with banks and other financial institutions to originate loans obtained through Universal Credit and Upgrade.
  
  Any email communication from Upgrade will come from the domain of @upgrade.com, such as *******************. 
  
  Upgrade only accepts applications for the Upgrade Card online at Upgrade.com, and applications for a personal loan may be submitted online at Upgrade.com or over the phone by calling **************. At Upgrade, applications will never be taken through email correspondence, although Upgrade may follow up on an existing application by email from an email address ending in @upgrade.com.
  
  Upgrade will never ask for any type of advanced fee in exchange for a loan. While Upgrades lending partners may charge an origination fee, all origination fees are taken from the loan proceeds, and are therefore not required out-of-pocket.
  
  Upgrade also has no affiliation with Priority Account Servicing, Priority Payday Loan, or Cash Priority Account Servicing.
  
  If you had provided any personal information (such as your name, date of birth, social security number and/or banking details) to an individual claiming to be an Upgrade representative on any phone number(s) included in the email or Loan Agreement Paper you received, we recommend you take the following precautions:
  
  - Report the suspicious email to *********************************************
  - File an identity theft claim at www.identitytheft.gov
  - Contact your local police department to file a report
  - Contact Experian, Equifax, and TransUnion to place a freeze on your credit report so that it cannot be accessed without authorization and request that a Consumer Statement is placed on your credit report so that lenders must take additional steps to verify your identity before extending credit.
  - Contact your bank to alert them of any fraudulent transactions
  
  We hope this information has been helpful and thank you for reaching out to us. If you believe you have been a victim of this scam, please contact us at **************, MondayFriday, 8am5pm Pacific Time.
  
  With regards,
  
  Upgrade Customer Support
  

• Initial Complaint

  Date:08/18/2023

  Type:Billing Issues
  Status:

  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.

  did my homework and felt like I was dealing with a legit company. Got Scammed!! they deposited fraudulent checks in my account and stole all of my deposited checks in my account and scammed those people out of money using fake fraudulent checks they scrubbed out of my account. Closed my account but now other people are still being affected by this scam. They stole deposited checks out of my account and wrote fraudulent checks using the information they stole

  

  Business Response

  Date: 08/24/2023

  Hi ****,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2798.
  
  We would like to confirm that applications for credit were submitted in your name on July 19, 2023, July 20, 2023, July 24, 2023, and July 26, 2023. We were unable to extend any offers at the time of the applications, and you were provided with adverse action notices, informing you the reasons why you were not approved.
  
  We wanted to provide you with some information since Upgrade and Universal Credits names and logos have been fraudulently used by individuals operating loan scams. We strive to provide the best possible experience for our current and potential customers and regret that they have targeted you for their 
  own financial gain. 
  
  Universal Credit is an online lending platform powered by Upgrade. We partner with banks and other financial institutions to originate loans obtained through Universal Credit and Upgrade.
  
  Any email communication from Upgrade will come from the domain of @upgrade.com, such as *******************. 
  
  Upgrade only accepts applications for the Upgrade Card online at Upgrade.com, and applications for a personal loan may be submitted online at Upgrade.com or over the phone by calling **************. At Upgrade, applications will never be taken through email correspondence, although Upgrade may follow up on an existing application by email from an email address ending in @upgrade.com.
  
  Upgrade will never ask for any type of advanced fee in exchange for a loan. While Upgrades lending partners may charge an origination fee, all origination fees are taken from the loan proceeds, and are therefore not required out-of-pocket.
  
  Upgrade also has no affiliation with Priority Account Servicing, Priority Payday Loan, or Cash Priority Account Servicing.
  
  If you had provided any personal information (such as your name, date of birth, social security number and/or banking details) to an individual claiming to be an Upgrade representative on any phone number(s) included in the email or Loan Agreement Paper you received, we recommend you take the following precautions:
  
  - Report the suspicious email to *********************************************
  - File an identity theft claim at www.identitytheft.gov
  - Contact your local police department to file a report
  - Contact Experian, Equifax, and TransUnion to place a freeze on your credit report so that it cannot be accessed without authorization and request that a Consumer Statement is placed on your credit report so that lenders must take additional steps to verify your identity before extending credit.
  - Contact your bank to alert them of any fraudulent transactions
  
  We hope this information has been helpful and thank you for reaching out to us. If you believe you have been a victim of this scam, please contact us at **************, MondayFriday, 8am5pm Pacific Time.
  
  With regards,
  
  Upgrade Customer Support
  

• Initial Complaint

  Date:07/25/2023

  Type:Order Issues
  Status:

  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 was scammed into putting a fraudulent deposit into my bank account. Did my homework and the company seemed legit prior to the deposit. Please be aware of this!!!!

  

  Business Response

  Date: 07/26/2023

  Hi ****,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2784.
  
  We would like to confirm that applications for credit were submitted in your name on June 19, 2023 and also on July 6, 2023. We were unable to extend any offers at the time of these applications, and you were provided with an adverse action notice, informing you the reasons why you were not approved.
  
  We wanted to provide you with some information since Upgrades name and logo have been fraudulently used by individuals operating loan scams. We strive to provide the best possible experience for our current and potential customers and regret that they have targeted you for their 
  own financial gain. 
  
  Any email communication from Upgrade will come from the domain of @upgrade.com, such as *******************. 
  
  Upgrade only accepts applications for the Upgrade Card online at Upgrade.com, and applications for a personal loan may be submitted online at Upgrade.com or over the phone by calling **************. At Upgrade, applications will never be taken through email correspondence, although Upgrade may follow up on an existing application by email from an email address ending in @upgrade.com.
  
  Upgrade will never ask for any type of advanced fee in exchange for a loan. While Upgrades lending partners may charge an origination fee, all origination fees are taken from the loan proceeds, and are therefore not required out-of-pocket.
  
  Upgrade also has no affiliation with Priority Account Servicing, Priority Payday Loan, or Cash Priority Account Servicing.
  
  If you had provided any personal information (such as your name, date of birth, social security number and/or banking details) to an individual claiming to be an Upgrade representative on any phone number(s) included in the email or Loan Agreement Paper you received, we recommend you take the following precautions:
  
  - Report the suspicious email to *********************************************
  - File an identity theft claim at www.identitytheft.gov
  - Contact your local police department to file a report
  - Contact Experian, Equifax, and TransUnion to place a freeze on your credit report so that it cannot be accessed without authorization and request that a Consumer Statement is placed on your credit report so that lenders must take additional steps to verify your identity before extending credit.
  - Contact your bank to alert them of any fraudulent transactions
  
  We hope this information has been helpful and thank you for reaching out to us. If you believe you have been a victim of this scam, please contact us at **************, MondayFriday, 8am5pm Pacific Time.
  
  With regards,
  
  Upgrade Customer Support
  
  

• Initial Complaint

  Date:07/17/2023

  Type:Product Issues
  Status:

  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 received a text about being approved for a loan. I went through the process and they kept giving me the run around and having to do things you would not normally have to do to get a loan. They deposited almost $3,000 into my account and I had transfer it back out to them in various ways (cashapp, bitcoin, ******* money center). Once that was done, then they said I had to do it again because of a negative **** on my credit report. They deposited almost $5,000 the second time which put a hold on my bank account and I received an email that the information on the check is inconsistent with other information on the check. I contacted the company to inform them and never heard back from them. Tried contacting them all day Saturday by phone and text with no response. Now my bank account is closed because of this and negative $6000. The main 800 number has a mailbox that is full so it doesn't ring and the direct number to the person I was contacting, *********************, just rings and goes to voicemail. He refuses to answer the phone now. I tried calling from a different number and still no answer.

  

  Business Response

  Date: 07/26/2023

  Hi *******,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2750.
  
  We would like to confirm that applications for credit were submitted in your name on July 13, 2023 and also on July 17, 2023. We were unable to extend any offers at the time of these applications, and you were provided with an adverse action notice, informing you the reasons why you were not approved.
  
  We wanted to provide you with some information since Upgrades name and logo have been fraudulently used by individuals operating loan scams. We strive to provide the best possible experience for our current and potential customers and regret that they have targeted you for their 
  own financial gain. 
  
  Any email communication from Upgrade will come from the domain of @upgrade.com, such as *******************.
  
  Upgrade only accepts applications for the Upgrade Card online at Upgrade.com, and applications for a personal loan may be submitted online at Upgrade.com or over the phone by calling **************. At Upgrade, applications will never be taken through email correspondence, although Upgrade may follow up on an existing application by email from an email address ending in @upgrade.com.
  
  Upgrade will never ask for any type of advanced fee in exchange for a loan. While Upgrades lending partners may charge an origination fee, all origination fees are taken from the loan proceeds, and are therefore not required out-of-pocket.
  
  Upgrade also has no affiliation with Priority Account Servicing, Priority Payday Loan, or Cash Priority Account Servicing.
  
  If you had provided any personal information (such as your name, date of birth, social security number and/or banking details) to an individual claiming to be an Upgrade representative on any phone number(s) included in the email or Loan Agreement Paper you received, we recommend you take the following precautions:
  
  - Report the suspicious email to *********************************************
  - File an identity theft claim at www.identitytheft.gov
  - Contact your local police department to file a report
  - Contact Experian, Equifax, and TransUnion to place a freeze on your credit report so that it cannot be accessed without authorization and request that a Consumer Statement is placed on your credit report so that lenders must take additional steps to verify your identity before extending credit.
  - Contact your bank to alert them of any fraudulent transactions
  
  We hope this information has been helpful and thank you for reaching out to us. If you believe you have been a victim of this scam, please contact us at **************, MondayFriday, 8am5pm Pacific Time.
  
  With regards,
  
  Upgrade Customer Support
  

  Customer Answer

  Date: 07/27/2023

   
  Complaint: 20331361
  
  I am rejecting this response because:

  I never applied for a loan to a company named Upgrade. My complaint is to Universal Credit. I will call the number provided, but this is the not the company I complained about.

  
  
  Sincerely,
  
  *******************************

  

  Business Response

  Date: 08/03/2023

  Hi *******,
  
  Thank you for your additional correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2750.
  
  We apologize for the confusion. Universal Credit is an online lending platform powered by Upgrade. We partner with banks and other financial institutions to originate loans obtained through Universal Credit and Upgrade.
  
  If you believe you have been a victim of this scam, please contact us at **************, MondayFriday, 8am5pm Pacific Time.
  
  With regards,
  
  Upgrade Customer Support

• Initial Complaint

  Date:06/09/2023

  Type:Service or Repair Issues
  Status:

  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.

  Applied for and was granted a loan through this company. Funds were supposed to be deposited into my account in 1-4 business days. I received an email 5 days later stating my bank denied the *** transfer. Conference called with Universal/Upgrade and my bank. verified all of my account information was correct. Universal/Ugrade told me I would have to provide an additional account. At this point Im getting uncomfortable. Give them until other account. They try twice to do *** transfer and said it was denied again both times. My bank, after multiple phone calls and visits, say there was never an attempt to deposit funds. Called Universal again and was told Id have to sit through another 30 minute phone call verifying more information or provide a canceled check. I dont use checks so thats not an option. I am now in fear that I was scammed even though this company was highly rated.

  

  Business Response

  Date: 06/14/2023

  Hi ********,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2623.
  
  We want to thank you for providing us with your feedback and letting ** know that our service did not meet your expectations. We will use this feedback in order to improve our overall customer experience. We appreciate you taking the time to bring this to our attention.
  
  Our records indicate that your funds were disbursed to the bank account on file on June 12, 2023. Please allow 1-4 business days for the funds to process into your account.
  
  Our goal is to always provide our customers with a positive experience, and hope we can provide you with a better experience moving forward.
  
  If you have any additional questions, please contact our Customer Advocacy Team at **************, Monday- Friday, 7am-6pm MST, or by email at **********************. 
  
  Thank you, 
  
  The Upgrade Team

  Customer Answer

  Date: 06/14/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *****************

• Initial Complaint

  Date:05/01/2023

  Type:Billing Issues
  Status:

  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 attempted to get a loan and my account was closed due to fraudulent activity. I tried calling this company to see what was going on and the hung up on me and havent answered my calls since!

  

  Business Response

  Date: 05/22/2023

  Hi *****,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns. We apologize for the delayed response.
  
  Your reference number is 2563.
  
  We are sorry to hear about your experience and we are currently investigating the issue you reported. Once we have concluded our investigation a Customer Advocacy Team member will reach out to you directly to discuss the findings and next steps.
  
  We appreciate your patience while we review this matter. If you have any additional questions, please contact our Customer Advocacy Team at **************, Monday- Friday, 7am-6pm MST, or by email at **********************.
  
  We look forward to speaking with you and resolving this matter!
  
  Thank you,
  
  The Upgrade Team