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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:03/17/2025

    Type:Sales and Advertising 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 for $1,000 from Uprova. I just recently learned that they are charging illegal interest rates of 488%. I lost my job and have been emailing them to setup a $50/month payment as that is what I could afford. I want written correspondence, so I asked for email or for them to mail something to my home address. They can do neither according to their customer service. I want to know how they are allowed to charge interest rates this high? Again, from I read this illegal.

    Business Response

    Date: 03/26/2025

    RE: 23078684

    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: 03/31/2025

    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:03/14/2025

    Type:Sales and Advertising 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 had taken a loan out with Uprova for $700. The interests rates shown when applying are no where near what I ended up with. This company is incredibly deceiving and prey on people with bad credit. I have already paid back the amount I borrowed and another almost $700 in interest on top of that with 7 more payments still to go. I live in the state of ** and the interest rate they are charging is illegal. This loan should be considered paid in full.

    Business Response

    Date: 03/18/2025

    RE: 23065525

    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: 03/18/2025

    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:03/13/2025

    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.
    I secured a loan of $500 from **************************. As I remember it, I oringally saw it would take around 10 payments to pay it off but checking the website today showed 17 more payments of $108.00 (bi-weekly) for a total of $1,957.57. ******%???? I never would have agreed to those terms! That is highway robbery. I can't prove it but I feel the deal changed without me knowing. Never using this lender again.

    Business Response

    Date: 03/18/2025

    RE: 23062958

    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:03/11/2025

    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 with Uprova Credit on October 13th, 2024 I paid them 3 payments of $377.13 I revoked my ach authorization and they continued to try to withdraw funds. They are now saying I owe over $4000 Please let me know what to do ? Any payment I make o my goes to interest customer ID is *******

    Business Response

    Date: 03/18/2025

    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: 03/18/2025

    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:03/08/2025

    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've been trying to pay off this loan for weeks and their online option will not allow me to pay off a loan or even pay any extra. I believe this is their way of forcing you to pay the high interest for the duration of the loan instead of being able to pay it off early. I've sent several emails and made a phone call and they either refuse to answer or give me the runaround. This is unacceptable and illegal.

    Business Response

    Date: 03/18/2025

    RE: 23038623

    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: 03/19/2025

     
    Complaint: 23038623

    I am rejecting this response because:

    Sincerely,

    **** *******

    Customer Answer

    Date: 03/19/2025

    Uprova's answer was just a copy of the terms and conditions. It did not answer why they reject payments and payoff attempts in order to force interest to be paid. This is a fraudulent practice.

    Business Response

    Date: 03/21/2025

    RE: 23038623

    Dear BBB,

    We have responded directly to the 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:03/04/2025

    Type:Sales and Advertising 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 had gotten a loan for ******* in November. I've made 4 payments and decided to pay it off early, and I've paid a total of *******. And I would of paid ******* in total if I wouldn't of paid it off. How do they get away with charging more than triple in payment than what I borrowed?

    Business Response

    Date: 03/11/2025

    RE: 23019628

    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:03/04/2025

    Type:Customer Service 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 when I was in a bind from Uprova for $1,600. I have paid over $700, but still owe more than the original loan and Uprova refuses to work with me. They charged off my account around 30 days and will not work with me on a payment plan. The maximum annual percentage in ******* is 18 percent! My loan's annual percentage is 430%! This is criminal.

    Business Response

    Date: 03/11/2025

    RE: 23018631

    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: 03/11/2025

    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:03/02/2025

    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.
    Took a loan out, paid for a few month, then got offered an a refinancing. I've already paid almost the total cost of the original loan, but just noticed my rate is over 500%. Pretty sure that's illegal. Took the refinancing and somehow now I owe even more than the first time? All I want is this whole thing closed. Not seeking money back, or anything like that. Just please close my account and don't take anymore money for this clearly illegal interest rate.

    Business Response

    Date: 03/07/2025

    RE: 23009213

    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: 03/07/2025

    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. I have set up the automatic payments to continue for the amount the business has offered as settlement, and will allow them to go through as agreed. I found their response fair and helpful. 

    Sincerely,

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

  • Initial Complaint

    Date:02/27/2025

    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.
    They call and leave messages saying we have important information about your account call us back and then when you call back they are just trying to get you to take out a new loan. This happened to me at least three times. They referenced my account in the voicemail, which has been closed for about a month. So I call to make sure everything is okay just for them to try to sell me something. So I dont even have an account with them. They are using alarming language in their messages to mislead consumers into thinking there is something wrong, to get them to call back, for them to say we were calling to discuss loan options with you. Misleading at best; nefarious and harmful at worst. Illegal? Maybe.

    Business Response

    Date: 03/06/2025

    RE: 23000535

    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: 03/06/2025

     
    Complaint: 23000535

    I am rejecting this response because:

    Sincerely,

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

  • Initial Complaint

    Date:02/25/2025

    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.
    The loan with Uprova was $1200.00. They are charging me a total of $4573.54 to pay it off. This is not legal. They also cannot explain to me why it went up so much. Missed one payment that I will gladly pay. Does not make sense. These people are criminal.

    Business Response

    Date: 02/28/2025

    RE: 22989723

    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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When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

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