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Business Profile

Credit and Debt Counseling

Uprova Credit, LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit and Debt Counseling.

Important information

  • Customer Complaint:

    BBB’s business profile for Uprova Credit, LLC was created in February 2021. A review of complaints was done in October 2024. Complaints on file concern interest rates being extremely high and that only a small amount of payments are applied to the principal of the loan.

    BBB encourages consumers to carefully and thoroughly read the loan agreement prior to signing the loan. Consumers should also review the following link to the company’s terms of use.

    https://www.uprova.com/terms-of-use/


Complaints

Customer Complaints Summary

  • 273 total complaints in the last 3 years.
  • 96 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:04/21/2025

    Type:Service or Repair Issues
    Status:
    Resolved
    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 have a loan with Uprova, and in December arranged a payment settlement with them, which I have adhered to. This morning I was looking at my **************** credit report and see that my loan is now in collections status. This is wrong and in my opinion, unethical behavior. I called them in good faith to work out payment problems and even though I'm continuing to pay, they are punishing me, and creating bigger problems for my future loan needs. I understand contract language gives them the "right" to do so but it it is still wrong and punitive. I would appreciate them changing my status from collections to current.

    Business Response

    Date: 04/28/2025

    RE: Complaint no.23230100

    Dear BBB,

    Please see the attached response for the above-mentioned customer. If you have any additional questions, you can contact us at -************** from Monday Friday 8AM 7PM EST or reply to this email.

    Thank you for allowing us to assist you.

    Respectfully,

    Compliance Resolutions
    Uprova Credit, LLC
    **************************************************************************
    Toll Free: **************
    ***************************************************************

    Attachment

    CONFIDENTIALITY NOTICE:
    This e-mail message including attachments, if any, is intended for the person or entity to which it is addressed and may contain confidential and/or privileged information. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of the message from your system. Any unauthorized review,dissemination, copying, or the taking of any actions based on the contents of this information is strictly prohibited. Do not use or disclose the contents to others. 

    Customer Answer

    Date: 04/29/2025

    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:04/20/2025

    Type:Order Issues
    Status:
    Answered
    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 of 400$ in December with this company and at the time it was a reasonable interest rate, With payment timeline to the end of April 2025, Its now coming to end of April so I went to check the loan and they clearly jacked up my interest rate without telling me, I have already paid 780$ toward the loan yet I still have 330$ remaining and the payment schedule shows that I'm still going to have to pay another 780$. that has to be like a 300% interest rate, is that not criminal? and even if its not I would NEVER NEVER NEVER have taken out a loan if that were up front about that interest rate.

    Business Response

    Date: 04/22/2025

    RE: 23229054

    Dear BBB,

    Please see the attached response for the above-mentioned customer.  If you have any additional questions, you can contact us at -************** from Monday Friday 8AM 7PM EST or reply to this email.


    Thank you for allowing us to assist you.

    Respectfully,

    Compliance Resolutions
    Uprova Credit, LLC
    *****************************************************************************
    Toll Free: **************
    ***************************************************************

    CONFIDENTIALITY NOTICE:
    This e-mail message including attachments, if any, is intended for the person or entity to which it is addressed and may contain confidential and/or privileged information. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of the message from your system. Any unauthorized review,dissemination, copying, or the taking of any actions based on the contents of this information is strictly prohibited. Do not use or disclose the contents to others.

  • Initial Complaint

    Date:04/15/2025

    Type:Billing Issues
    Status:
    Answered
    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.
    Borrowed $1600. The first payment was withdrawn from my account. $360+ of which 95% went directly to interest. After that, more interest was tacked onto the account, making my new principal balance after the first payment, higher than what I borrowed. This is illegal in the state of **********. Deceptive and criminal.

    Business Response

    Date: 04/21/2025

    RE: 23205906

    Dear BBB,

    Please see the attached response for the above-mentioned customer.  If you have any additional questions, you can contact us at -************** from Monday Friday 8AM 7PM EST or reply to this email.


    Thank you for allowing us to assist you.

    Respectfully,

    Compliance Resolutions
    Uprova Credit, LLC
    *****************************************************************************
    Toll Free: **************
    ***************************************************************

    CONFIDENTIALITY NOTICE:
    This e-mail message including attachments, if any, is intended for the person or entity to which it is addressed and may contain confidential and/or privileged information. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of the message from your system. Any unauthorized review,dissemination, copying, or the taking of any actions based on the contents of this information is strictly prohibited. Do not use or disclose the contents to others.

  • Initial Complaint

    Date:04/14/2025

    Type:Order Issues
    Status:
    Answered
    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 for $500 with Uprova. . I have already paid back over $500 and they want over $1800 for it to be paid in full. It has a 525% interest rate which violates Indianas usury laws. They are not licensed to operate in *******. They are not owned/operated by a tribe and do not operate on tribal land which makes every loan they give out illegal and unenforceable. I have already paid back my loan and then some, so I want my loan to be marked paid in full and closed. If not I will be contacting my states attorney general to get involved in the matter.

    Business Response

    Date: 04/21/2025

    RE: ********

    Dear BBB,

    Please see the attached response for the above-mentioned customer.  If you have any additional questions, you can contact us at -************** from Monday Friday 8AM 7PM EST or reply to this email.


    Thank you for allowing us to assist you.

    Respectfully,

    Compliance Resolutions
    Uprova Credit, LLC
    *****************************************************************************
    Toll Free: **************
    ***************************************************************

    CONFIDENTIALITY NOTICE:
    This e-mail message including attachments, if any, is intended for the person or entity to which it is addressed and may contain confidential and/or privileged information. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of the message from your system. Any unauthorized review,dissemination, copying, or the taking of any actions based on the contents of this information is strictly prohibited. Do not use or disclose the contents to others.

  • Initial Complaint

    Date:04/11/2025

    Type:Service or Repair Issues
    Status:
    Resolved
    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.
    A loan was taken out in the amount of $1700. Interest rates were not disclosed at time of application and are above federal limits. The APR that is being charged is unacceptable and I would like this account closed and charged off.

    Business Response

    Date: 04/15/2025

    RE: 23191345

    Dear BBB,

    Please see the attached response for the above-mentioned customer.  If you have any additional questions, you can contact us at -************** from Monday Friday 8AM 7PM EST or reply to this email.


    Thank you for allowing us to assist you.

    Respectfully,

    Compliance Resolutions
    Uprova Credit, LLC
    *****************************************************************************
    Toll Free: **************
    ***************************************************************

    CONFIDENTIALITY NOTICE:
    This e-mail message including attachments, if any, is intended for the person or entity to which it is addressed and may contain confidential and/or privileged information. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of the message from your system. Any unauthorized review,dissemination, copying, or the taking of any actions based on the contents of this information is strictly prohibited. Do not use or disclose the contents to others.


    Customer Answer

    Date: 04/18/2025

    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:04/04/2025

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    Last week (end of March), I received a 1099-C in the mail from an online loan company. I have not taken out a loan in over 25 years. Someone stole my information and took out a loan with this company called Uprova. I contacted the company last week as soon as I got the 1099-C. They said that I needed to log a complaint on their website (which I did immediately) and that someone would contact me with in ***** hours. NO ONE has contacted me back.I pointed out to the person I talked with on the phone that no one ever contacted me to collect the loan. The only way I found out about it was because of the 1099-C. I questioned how they got the correct address for the 1099-C but not for the collection of the loan. No answer. This company should not be allowed to provide loans without properly vetting the information they are given.

    Business Response

    Date: 04/09/2025

    RE: ********

    Dear BBB,

    Please see the attached response for the above-mentioned customer.  If you have any additional questions, you can contact us at ************** from Monday Friday 8AM 7PM EST or reply to this email.


    Thank you for allowing us to assist you.

    Respectfully,

    Compliance Resolutions
    Uprova Credit, LLC
    *****************************************************************************
    Toll Free: **************
    ***************************************************************

    CONFIDENTIALITY NOTICE:
    This e-mail message including attachments, if any, is intended for the person or entity to which it is addressed and may contain confidential and/or privileged information. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of the message from your system. Any unauthorized review,dissemination, copying, or the taking of any actions based on the contents of this information is strictly prohibited. Do not use or disclose the contents to others.

    Customer Answer

    Date: 04/09/2025

     
    Complaint: 23163398

    I am rejecting this response because:  Uprova allowed a loan to be taken out in my name with my social security number without properly vetting the information.  I am having to spend a ridiculous, I mean ridiculous, amount of my time to get this reversed.   I have logged a report with my local police.  I have filed an identity theft report with the government.  I shouldn't have to do this because Uprova didn't do their due diligence before granting the loan.  I understand that they have written off the loan, but that doesn't clear the 1099-C that has been filed with the IRS.  The 1099-C affects my taxes, and I refuse to pay taxes on a loan that I did not ask for nor receive. Writing off the loan on their part doesn't remove this from my credit report either.   

    My complaint has nothing to do with them being a sovereign land.  They still need to do their due diligence before granting a loan.


    Sincerely,

    *********** ******

    Business Response

    Date: 04/15/2025

    RE: 23163398

    Dear BBB,

    Please see the attached response for the above-mentioned customer.  If you have any additional questions, you can contact us at -************** from Monday Friday 8AM 7PM EST or reply to this email.


    Thank you for allowing us to assist you.

    Respectfully,

    Compliance Resolutions
    Uprova Credit, LLC
    *****************************************************************************
    Toll Free: **************
    ***************************************************************

    CONFIDENTIALITY NOTICE:
    This e-mail message including attachments, if any, is intended for the person or entity to which it is addressed and may contain confidential and/or privileged information. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of the message from your system. Any unauthorized review,dissemination, copying, or the taking of any actions based on the contents of this information is strictly prohibited. Do not use or disclose the contents to others.

    Customer Answer

    Date: 04/19/2025

     
    Complaint: 23163398

    I am not satisfied with the response because the company has not contacted me directly to let me know that this has been resolved.  The only way that I have gotten information is through the BBB.  I don't not want this case closed until I know that the 1099-C has been reversed.  Thank you!

    Sincerely,

    *********** ******

  • Initial Complaint

    Date:03/27/2025

    Type:Billing Issues
    Status:
    Resolved
    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 have made a bunch of payments that would have paid back in full already,But with the ****** % interest rate, which has to be illegal, does not make anything easy to pay.I would either like my money back, or just have this account closed and no more money taken from my account,Amount Finance, $2200.00, but the total that they want paid back is $6,791.00.This somehow has to be all illegal, and i fell for it. I just want this account to be closed, and out of my life.

    Business Response

    Date: 04/02/2025

    RE: ********

    Dear BBB,

    Please see the attached response for the above-mentioned customer.  If you have any additional questions, you can contact us at -************** from Monday Friday 8AM 7PM EST or reply to this email.

    Thank you for allowing us to assist you.

    Respectfully,

    Compliance Resolutions
    Uprova Credit, LLC
    **************************************************************************
    Toll Free: **************
    ***************************************************************

    CONFIDENTIALITY NOTICE:
    This e-mail message including attachments, if any, is intended for the person or entity to which it is addressed and may contain confidential and/or privileged information. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of the message from your system. Any unauthorized review,dissemination, copying, or the taking of any actions based on the contents of this information is strictly prohibited. Do not use or disclose the contents to others.

    Customer Answer

    Date: 04/02/2025

    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:03/27/2025

    Type:Product Issues
    Status:
    Answered
    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 is robbing people. They want to charge me more interest and already paid $1,100! They changed the interest rate on me to over 500% and explained to me over the phone that they charge daily for interest! I took out a loan for $900.00! I should not be charged over 500% in interest and charged another $800.00.

    Business Response

    Date: 04/02/2025

    RE: 23123624

    Dear BBB,

    Please see the attached response for the above-mentioned customer.  If you have any additional questions, you can contact us at -************** from Monday Friday 8AM 7PM EST or reply to this email.

    Thank you for allowing us to assist you.

    Respectfully,

    Compliance Resolutions
    Uprova Credit, LLC
    **************************************************************************
    Toll Free: **************
    ***************************************************************

    CONFIDENTIALITY NOTICE:
    This e-mail message including attachments, if any, is intended for the person or entity to which it is addressed and may contain confidential and/or privileged information. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of the message from your system. Any unauthorized review,dissemination, copying, or the taking of any actions based on the contents of this information is strictly prohibited. Do not use or disclose the contents to others.

  • Initial Complaint

    Date:03/23/2025

    Type:Order Issues
    Status:
    Resolved
    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.
    Took out a 1600 loan and paid over ********************************************* more than original amount borrowed. In ** this loan is completely illegal and I will be seeking legal advice. This company deceives and charges interest that is more than 20 times the the max in the state. I feel that this loan is fully paid and will not accept the harassment and law breaking collection attempts. Loan is paid in full, predatory lending is illegal in **

    Business Response

    Date: 03/26/2025

    RE: 23105038

    Dear BBB,

    Please see the attached response for the above-mentioned customer.  If you have any additional questions, you can contact us at -************** from Monday Friday 8AM 7PM EST or reply to this email.


    Thank you for allowing us to assist you.

    Respectfully,

    Compliance Resolutions
    Uprova Credit, LLC
    *****************************************************************************
    Toll Free: **************
    ***************************************************************

    CONFIDENTIALITY NOTICE:
    This e-mail message including attachments, if any, is intended for the person or entity to which it is addressed and may contain confidential and/or privileged information. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of the message from your system. Any unauthorized review, dissemination,copying, or the taking of any actions based on the contents of this information is strictly prohibited. Do not use or disclose the contents to others.

    Customer Answer

    Date: 03/30/2025

    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:03/17/2025

    Type:Service or Repair Issues
    Status:
    Answered
    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 needing some quick cash for an emergency and borrowed $1000 from Uprova Credit. It seemed legit and they approved me quick and funded my account in minutes. So I have made 5 payments of $273.31 and have knocked the principle down $60. I just checked payoff balance and it says I still owe $1143.00. I feel like I was taken advantage of cause the APR and amount of payments were never disclosed at signing and it felt all rushed and is probably why they fund you so fast! So I was able to see the amount of payments and APR% and I still have 10 payments and the APR% is 689%. I refuse to pay this outrageous amount and know for a fact that APR is criminal. I called and asked why it was never disclosed and the lady on the phone said i could have called and asked???

    Business Response

    Date: 03/25/2025

    RE: 23079012

    Dear BBB,

    Please see the attached response for the above-mentioned customer.  If you have any additional questions, you can contact us at -************** from Monday Friday 8AM 7PM EST or reply to this email.


    Thank you for allowing us to assist you.

    Respectfully,

    Compliance Resolutions
    Uprova Credit, LLC
    *****************************************************************************
    Toll Free: **************
    ***************************************************************

    CONFIDENTIALITY NOTICE:
    This e-mail message including attachments, if any, is intended for the person or entity to which it is addressed and may contain confidential and/or privileged information. If you are not the intended recipient, please contact the sender by reply e-mail and delete all copies of the message from your system. Any unauthorized review, dissemination,copying, or the taking of any actions based on the contents of this information is strictly prohibited. Do not use or disclose the contents to others.

Uprova Credit, LLC is NOT a BBB Accredited Business.

To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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