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Upgrade Review
Reviews 38,735
Upgrade
Visit Site
Upgrade
Upgrade
Excellent
Reviews 38,735
Michael Dinich
Nov. 01, 2022
2 min read
Michael Dinich
Upgrade summary
Upgrade offers personal loans of up to $50,000 for a range of purposes such as paying off credit card debt, financing a home improvement, or making a large purchase. It is quick, easy to use and offers free credit monitoring and financial-education resources that can help you better understand and improve your credit score.
Pros
  • Quick online application -- can get pre-approved in just minutes
  • Credit health tracker makes it easy for you to improve credit
Cons
  • Origination fee can reach up to 8.99% of loan amount
  • Applicants required to have free cash flow of at least $1,000

Upgrade at a glance

4.6
Editorial score

Variety of loan types

Offers all loan types
5.0

Online experience

Has learning resources, access to rates, mobile app
5.0

Customer services and support

Multiple ways of reaching lender, wide range of hours
4.0

Loan amount range

Loan amount up to $50K
4.0

Repayment flexibility

Loan terms up to 84 months
5.0

Upgrade  Upgrade Visit Upgrade

Overview

Upgrade is an online marketplace lending platform founded in 2016 by Renaud Laplanche and Soul Htite, who were both previously co-founders of Lending Club. Laplanche’s reputation in Silicon Valley was strong enough to attract $60 million in financing for Upgrade from many of the prominent venture capitalists who had backed him with his previous projects. Personal loans through Upgrade offer up to $50,000 for purposes such as paying off credit card debt, financing a home improvement, or making a large purchase. It differentiates itself from the likes of Lending Club through features such as free credit monitoring and financial-education resources.

Upgrade Review

Suitable For?

Upgrade's loans are aimed at tech-savvy Americans who need personal loans to cover large expenses. Its free educational tools, including a credit-health tracker, aim to make it easy for people who have had a loan application rejected to build up their credit score and achieve success with their next application. Upgrade accepts loan applicants from all states except Connecticut, Colorado, Iowa, Massachusetts, Maryland, Vermont, and West Virginia.

Loan Features

You can get fixed-rate personal loans ranging from $1,000 to $50,000, and with repayment of either 2 or 7 years. In addition, through Upgrade you'll get a credit-health tracker free of charge, and without any commitments. Users can access the tool at any time for a summary of their latest credit report and an explanation of the key factors influencing their credit score. The tool also includes a useful credit score simulator, where users can input hypothetical scenarios such as repayments on their credit card balance or an increase on their credit card limit, and find out what the impact of these scenarios will be on their credit score. And users can access the tool as many times as they wish – without their credit score being affected.

The Application Process

The application process takes place online. To begin, just enter the loan amount you wish to apply for, and the purpose of the loan. You will then be taken to another page and asked to fill out a few personal details, including:

  • Name
  • Address
  • Monthly income
  • Social security number

Shortly after completing the form, you’ll receive an email informing you whether or not you’ve been approved for a loan, along with the interest rate. If you are denied, you’ll receive an explanation of why this was the case. If you accept your loan offer, the funds will be sent to your bank account within 1 business day of all the necessary verifications, and will typically be available within 4 business days, depending on how quickly your bank processes the funds. 

As mentioned above, the key requirements are at least $1,000 free cash flow per month, and that the loan be used for specific purposes such as paying off credit card debt. Free cash flow is based on the applicant’s income, the cost of living in their area, city and state tax rates, and any mortgage or rent payments that are part of the applicant’s monthly expenses. 

How Much Can You Borrow?

Applicants can request loans of as low as $1,000 and as high as $50,000. The final loan amount depends on a number of factors, including credit score and free cash flow. A minimum credit score of 620 is required for approval. Only unsecured loans are offered through Upgrade, which means borrowers aren’t required to put up any collateral.

Repayment Term

Loans have APRs ranging from 7.96% - 35.97%*. For the lowest rates, applicants must agree to automatic monthly repayments. All loans have an origination fee of 1.85-8.99%, which is deducted from the loan amount at the beginning. Applicants can choose from repayment terms of either 2 years (24 months) or 7 years (84 months). Monthly repayments depend on APR, origination fee, and loan duration. Late payments can result in late fees.

Privacy & Security 

All loans are made by WebBank, an accredited member of the Federal Deposit Insurance. Corporation, which is a US government corporation providing deposit insurance to depositors in US banks. Upgrade promises to protect all applicants’ personal information from unauthorized access and use, and its security measures comply with federal law.

Help & Support

Upgrade has an A rating from the Better Business Bureau for its customer support, with BBB rewarding it for positive online reviews. Upgrade’s website stands out for its educational resources, with dozens of informational pages and of course the free credit-tracking tool. Customer support can be reached by email at contact@upgrade.com, or through the Support button which can be found at the bottom-right of each page on the website.

Summary

Upgrade was founded by two of the people behind Lending Club, one of the pioneers in the world of online lending, and it is aiming to fill some of the remaining gaps not covered by most of the existing players in the market, including a lack of support for rejected loan applicants. The main point of difference between Upgrade and many of its competitors is its free tracking tool and simulator, which allows borrowers to understand and improve their credit score in order to secure better terms on their next loan. Upgrade’s service is quick, easy to use, and transparent. The service is most beneficial for borrowers with credit scores hovering around 620 and with a preference for doing things online and without delays.

Physical Address

Upgrade, Inc

275 Battery Street, 23rd Floor

San Francisco, CA 94111

Upgrade  Upgrade Visit Upgrade

Disclaimers

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.96%-35.97%. All personal loans have a 1.85% to 8.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/lending-partners/.


Michael Dinich
Written by
Michael Dinich
Michael is the founder and CEO of WealthOfGeeks.com. He has worked in personal finance since 1999. He shares unique insights on how to save money, increase income and prepare for retirement. Michael is a sought-after finance professional in the areas of taxation, personal finance, and health insurance planning. He writes for BestMoney and enjoys helping readers make sense of the options on the market.
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See what some costumers are saying about Upgrade
Upgrade
Excellent
Reviews 38,735
on
Excellent
82%
Great
11%
Average
3%
Poor
1%
Bad
3%
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david stubbs
12 hours ago
Easy and Fast!
Easy and Fast!
M
matt sowers
8 hours ago
One of the easiest to deal with and got…
One of the easiest to deal with and got my approval the same night and had cash in my bank the very next day and was very happy with my low APR in this high interested world.
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tavares lafleur
10 hours ago
By r F G
Hey gyro king fft
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louis
13 hours ago
Upgrade has a glitch with it's system
Upgrade has a glitch with it's system! When your autodraft payments are made, Upgrade will have you listed as delinquent even though the full payment was made. Also, if you're trying to change your phone number, you have to send in a copy of your phone bill, only to be hit with another glitch that won't allow the phone number to pull up for the account after it been changes by Upgrade.
S
sergio
16 hours ago
horrible customer service
horrible customer service dont recommend
U
upgrade cardholder
a day ago
Wish I Had Never Applied to Upgrade
I had an Upgrade card open with a $10,000 balance. I have a good job and work a lot. Someone I know got arrested for a DUI and I sent them a book in jail to make things less boring. Immediately my Upgrade credit limit was lowered to $500, within hours of buying something and sending it to a jail. I believe they that when I sent that book to a jail, that information was sold to a data broker and Upgrade may have purchased that information and their algorithms determined I was a higher risk as a result. I can't be sure it's not a coincidence but it is a extremely large drop from 10K to 500, and nothing else has changed recently. I did not use Upgrade to make the purchase and my Upgrade balance was 0. I have no proof, but data brokers do exist and sell information all the time, and the change happened within hours of sending the book to my friend in jail. I used an ad blocker, but likely since the payment address was linked to me and I was sending something to a jail address, this information could have been sold to a data broker after the purchase and Upgrade could have purchased this. I feel like my privacy was likely violated, not in a legal sense because Upgrade probably has fine print in their terms to protect then, but just in the normal sense of my privacy being violated. They also gave no notification of why the change happened other than a generic email, so I am left guessing why they reduced my total available credit by 95%. Applying for this card was a real pain in the ass, but I was enticed by the $10,000 limit. If I had known it would suddenly be lowered to $500 I would never have applied. I have not called Upgrade, they aren't going to change their decision and it's not worth the hassle, but I would recommend staying away from this company.
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pj johnson
a day ago
Inconsistencies with billing, feels like fraud!
I’ve made on time payments, even paid $100+ extra but for the last 3 mos received notification that the account was past due for .03 cents. Phoned to complain and told I was ok, that it was an ongoing computer glitch. I also experienced the amount due saying one thing & when looking days later it increases to approximately $50 more. I still pay more and before time due. Credit score is higher than when I opened the account however, 2 days ago received notification they decreased my limit to the balance amount because of account review. Motivation to pay completely off and close. Ready to rid!!!!!
N
nicole oakley
a day ago
Taking too long to receive the money I…
Taking too long to receive the money I transferred into my checking
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jessi wheeler
a day ago
Easy to sign up
Easy to sign up, secure and it's free
D
darlene coleman
a day ago
Great product
This is my second time using a personal loan product and I have been nothing but satisfied. During the pandemic I was accommodated with ease and didn’t miss a beat.
R
roxana rendon-gil
a day ago
Love it
It a good app. It a good place to save
C
corey schappert
a day ago
Quit emailing
They email everyday and deny everything.
E
ebony jones
2 days ago
Upgrade is an excellent service
Upgrade is an excellent service. I was helped in 2 days and I am very satisfied
O
othman suleiman
2 days ago
Have your Documents in order
Tedious process but the agents are always informed & helpful.
E
e. garcia
2 days ago
DON'T GET THIS CARD UNLESS YOU WANT A…
DON'T GET THIS CARD UNLESS YOU WANT A HEADACHE! I have this Upgrade card and after making all my payments on time, and even paying more than my minimum payment, my credit limit just dropped to my current balance! So now my "available credit" is now zero! Like I said, even after making on time payments and more than requested as a minimum. If this is the experience you want, then go ahead and apply. I recommend you do business with someone else.
M
mary garrison
2 days ago
easy
easy to open. app is very understandable
A
alexandra smerekanich
2 days ago
My experience has been great from the…
My experience has been great from the ease of the app to the customer service I received when I called in.
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bart dowdle
2 days ago
Great service
Great service! Very helpful.
A
amber elizabeth lichtenstein
2 days ago
The app is self explanatory and easy to…
The app is self explanatory and easy to navigate and great rewards for just normal banking!!!
J
john kolak
2 days ago
I have had excellent experience with…
I have had excellent experience with upgrade
J
jeffery lunn
2 days ago
Excellent Customer Experience The website was easy to use and the 2…
The website was easy to use and the 2 Representatives who made phone contact regarding my application were friendly and helpful. I believe it was Daria who initiated contact and Kevin who directed me completion of my application. Great Job Folks.
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dan caron
2 days ago
Excellent customer service
I applied for a personal loan but decided to cancel after I was approved, that gave me the money and have taken the deposit back, but it still shows I owe a balance, and after calling 4 times, I’m hoping that everything gets canceled like, I was told it would, however no one could give me a cancellation confirmation number, so time will tell, if this is a reputable company or not, to deal with. All the customer service representatives, have been excellent to speak with. I’m just hoping they are trustworthy on what they have told me.
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donna greenslit
2 days ago
Easy to make payments and edit…
Easy to make payments and edit information when needed
C
cory chitwood
2 days ago
Very responsive
Very responsive. Had my account open in no time!
T
tobie snyder
2 days ago
Watch out if you have a line of credit…
Watch out if you have a line of credit with Upgrade for a rainy day. Because today it was rainy for me, I went to use my card which I had $10,000 credit limit on it and randomly they downgraded my limit to $500 No notice no regard, no nothing.
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neal
2 days ago
Don't fall for there traps...Lure you…
Don't fall for there traps...Lure you in with good interest rates and limit then slowly raised interest and lowered limit to nothing...don't waste time trying to get a personal loan...you would have better service and rates from a bank....Trap Trap Trap company
E
elba leonor aguilera
3 days ago
Fast
Fast, professional, friendly, reliable and very understanding.
M
maxib
3 days ago
Great company
I had a very good experience dealing with Upgrade. My request for a loan went very easy and fast with no issues. I did not have to wait nervously to hear whether I was approved. I am glad Upgrade is available for my needs.
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kyle rumsey
3 days ago
Not recommended!!! No resolution!!!
I should have known by how easy this card was to attain that I would have issues with it. This review follows my second card limit lowering in less than 2yrs causing my utilization to be at 100% absolutely wrecking my credit score. I have not missed a payment and my trans union score is as high as it’s ever been. All other accounts are in good standing as well. My personal opinion and experience leads me not recommend upgrade and it’s products. Thanks for reading and for your time.
S
sawsan zakaria
3 days ago
The future is Upgrade ….
The experience was very easy. Everything was simple . The information was good and instructions were not hard at all . I have found my new Financial institution.. Thank you Upgrade!!!!
A
amy antolak
3 days ago
Fast easy and everyone was super…
Fast easy and everyone was super friendly and helpful.
L
laloni kromer
3 days ago
Easy to use
Easy to use. Easy setup on auto pay
A
arthur bickle
3 days ago
The app works well
The app works well. All changes appear in 24 hours or less. The layout is easy to navigate. But it's the features that bring the most advantage.
R
raynette ashford
3 days ago
Great customer service
I was helped with information for my direct deposit for ssi
K
kumar
3 days ago
Great experience
Great experience
D
david cantrell
3 days ago
The client support agents were very…
The client support agents were very knowledgeable and friendly.
C
calvin randolph
3 days ago
This company has presented themselves…
This company has presented themselves as a highly professional business and I am excited for how they have helped me. I am very well pleased with them !
T
tarail mcbee
3 days ago
love my card
Love the look of the debit card.
S
steven angel
3 days ago
I haven’t even got my cards yet I can’t…
I haven’t even got my cards yet I can’t get a review yet.
B
brandon boyd
3 days ago
My experience
It’s easy to use
N
nicole lockhart
4 days ago
It’s a good bank
It’s a good bank
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michael carmine marotto
4 days ago
STAY AWAY
This company is a rip off. We are dealing with financial hardship and asked for some assistance. They basically did nothing for us. They were rude and insulting in their questions. I would avoid this company like the plague. Even when payments are made, the monthly balance never seems to go down. Their statements are hard to understand. I feel like they are a predatory lender.
P
pamela xiong
2 days ago
DECEIVING ONLINE SYSTEM - USELESS STAFF
My loan was funded 1/5/2023. My first payment was not due until 2/5/2023. A bill was generated, and I made my 2/5 payment on 1/12/2023 because I was going on a trip and I wanted to stay ahead. I then initiated a due date change online to the 21 of the month, so that my next payment wouldn't be due until March 21 because I just made my february payment. Instead, it moved my payment 15 days sooner instead of later, and now I'm supposed to pay for a month before that month is even due and ended up being delinquent for my march bill which was now due Feb. 21. I paid that by the grace period on 3/10. Waited for everything to post on 3/17 initiated a due date change moved the March 21 due date (for my APRIL bill) to April 4, so everything can be on time again. I logged in multiple times to make sure I wasn't late. In fact, the due date changer online has a calendar MONTH included that shows you when you want your next bill to be.... so you shouldn't be able to mess it up. and My bill is still delinquent because according to them, they didn't receive a due date change request. It's just been an absolute nightmare being ahead of my payments but still being delinquent. Absolutely ridiculous. And all you get is a bunch of people saying they can't do anything about it. AND even when I pay an entire month ahead, $11 of my $235 went to principal. Criminals. And when I tried to stay on the line to "leave a review" for the call as the automated system stated, the representative had the audacity to not hang up the phone so I could do so.
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suzie j
4 days ago
I been in debt for years!
I been in debt for years!! Never thought I would get approved for the amount I got approved for. It was just the right amount to pay off ALL my debt! Also, with AFFORDABLE payments a month. Thanks Upgrade for giving me my life back!!!!
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lamonica lewis
4 days ago
The rep that helped me.
The rep that helped me.
J
jason gallo
4 days ago
Modern internet bank with modern ideas…
Modern internet bank with modern ideas very versatile. I highly recommend this bank for you people Who won financial well-being and abilities at their bank
W
wayne h smith
4 days ago
Hey Customers Service was great I…
Hey Customers Service was great I didn't have know problem they answer all my question they was polite and help me get Checking Account I they every one Upgreat and customer they you again it was Excellent!..
c
customer
4 days ago
Everything was easy to do instructions…
Everything was easy to do instructions for Clear in my checking account is up and running. Thank you.
G
greg hartwell
4 days ago
You did not approve my Visa credit…
You did not approve my Visa credit card. That's ok I don't need your card.
J
james
4 days ago
Never had an issue throughout the loan
Never had an issue throughout the loan. Everything worked out well and would recommend.
J
jimmie trammel
4 days ago
Upgrade has offered me a wonderful…
Upgrade has offered me a wonderful experience and is a great company.
P
pawel rorant
4 days ago
Thank you for approving my application
Thank you for approving my application! I’m glad I have applied. I’m trying to reestablish my credit and this card is a great help. Thus far I am very happy, mobile app is clear and user friendly. I would definitely recommend it to anyone. Thank you again!
K
kayla groover
4 days ago
I'm always solicited for a personal…
I'm always solicited for a personal load card with this company but I've been denied twice. I went ahead and opened a debit account to see if that will make me eligible.
M
majajama
5 days ago
NEW TO UPGRADE
NEW TO UPGRADE. PAID THEM OFF FOR THE 2ND TIME. THIS TIME HOWEVER THEY WERE SO SLICK...THEY HAVE THE AUTOPAY SET UP FOR JUST THEM MINIMUM SO THEY CAN GET INTEREST FROM THE PUBLIC. I ASKED THE AGT WHY I HAD NO CHOICE IN HOW THE AUTOPAY IS SET UP AND HE SAID THAT'S JUST THE WAY THEY DO BUSINESS. THIS COMPANY DOES NOT WANT YOU TO PAY THE BALANCE IN FULL. BESIDES THAT THEY CLAIM TO HAVE AUTOPAY SET UP FOR 3/18 AND LIKE OTHER COMPLAINTS THEY NEVER EVER TOOK THE PAYMENT OUT OF MY ACCOUNT AND NOW I HAVE INTEREST CHARGES. THIS SHOULD NOT BE ALLOWED AND I AM TAKING THIS REPORT STEPS HIGHER TO MAKE THE GOVERNMENT AWARE OF WHAT THE SCAM COMPANY IS DOING TOTHE PUBLIC.
M
mg
5 days ago
The process is very easy
The process is very easy, staff are courteous. Fees are extremely high.
S
stephen robertson
5 days ago
It was easy to navigate thru &easy as Pie when…
It was easy to navigate thru & when they did call .e they were very helpful
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frank clark
5 days ago
I've had a credit card with them for 4…
I've had a credit card with them for 4 years every payment on time and I've completely paid the card off from a full balance owed. Card expired and had a new one sent to house. Activated card and went to use it a vet for dogs appointment. Card declined even though I had an available balance of 451.00. Called customer service and was told my account was on a permanent suspension. I have to keep making my payments and can't use the card anymore. Would never do business with this company and I'm going to spread the word.
t
tina postalwait
5 days ago
So far so good!
So far so good!
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margie jones
5 days ago
This was a very quick and easy process
This was a very quick and easy process. I was nervous at first because the process was so simple. After one phone call approval came in same day and funds were in my bank the very next day.
C
cynthia gerhardt
5 days ago
Fast service, Great Experience
Fast service! Funding quick! All questions I had were answered quickly and very knowledgeable.
K
karla ingram
5 days ago
Aproved,then declined
The way you do you qualify, erks me. I talked to one,it looked great,I was approved for $6500.Xx. I got very excited, because I really needed this extra help for when I have my surgery,an being home for approximately 3weeks,no pay,just my benefits...then my estimate of yearly income,was wrong,down crap hill after that.
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angela mackay
5 days ago
Easy process
Easy and painless process, fast and professional. Would recommend to friends and family.
T
teacha
5 days ago
Fast and easy process
Fast and easy process
K
kevin j
5 days ago
Haven't had the chance to get money in…
Haven't had the chance to get money in my account
M
maylen marquez
5 days ago
The process was easy and the quick…
The process was easy and the quick response was great. Had funds transferred and debts paid with in 48 hours. I will recommend upgrade to anyone who would like some financial relief.
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timothy hoskins
5 days ago
I haven’t had a chance to use my card I…
I haven’t had a chance to use my card I haven’t received it yet
R
rhonda wooldridge
5 days ago
Easy to manage Credit score increase…
Easy to manage Credit score increase phenomenal
D
dayna pitts
5 days ago
Ease of use was awesome
Ease of use was awesome
G
galen
6 days ago
No hassle loan process
My experience has been very easy , from the inquiry through the loan process doing everything online
J
jennifer howard
6 days ago
Highly recommend.
Gave me a chance when most wouldn’t. Offing a checking and savings on top of credit card. I actually closed a separate banking account to switch to UPGRADE. The customer service team is helpful, knowledgeable and polite.
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nancy prentice
6 days ago
Exceptional Customer Service
They have been great to work with. They are very professional and courteous. Very fast too.
D
dcole
6 days ago
I WOULD NOT RECOMMEND UPGRADE-NOT…
I WOULD NOT RECOMMEND UPGRADE-NOT CUSTOMER FRIENDLY-DOES NOT ADVOCATE FOR ALL CONSUMERS I was scammed by a well-known Veneer company while using my Upgrade credit card. Upgrade in my case said “No” to my every request. When I initially requested to dispute the charge, I was told by the rep that answered the phone that I waited too late and no she could not assist me. I knew this was incorrect and asked that she check with her manager. Only then was I allowed to initiate a chargeback because I was well within my time frame for doing so. I provided Upgrade with all the details and asked that they kindly reach out to me to ascertain if more information is needed before they make a decision. Upgrade would not advocate for me and my request for outreach was ignored. Each time, they sided with the merchant. Had Upgrade researched or investigated, they would have learned as I finally did after I researched that Veneer company does not allow returns. Even though the merchant does not accept returns, below is the denial message given to me by Upgrade: Unfortunately, we had to decline the dispute for the following reason(s): Evidence Insufficient to Support Claim • Proof that the merchandise was returned to the merchant. Please note, we have no recourse to pursue this matter with the merchant if the merchandise is still in your possession unless you have evidence that the merchant advised that a return is not necessary and/or the merchant refused the return. At this point, Upgrade unfairly revoked my provisional credit that had been applied to my account and gave it back to the Veneer company. I made multiple calls to Upgrade about this and was told “NO” we are not going to RE-OPEN your chargeback dispute several times. At least one of their reps yelled at me and hung up on me during this process. Luckily, I was able to show them that they had extended my time to resolve this issue earlier and that they need to honor my extension as it was in writing. Once Upgrade received proof from the Veneer company’s website that they do not accept returns, the chargeback should have been decided in my favor and my monies should have been returned back to my account permanently. Unfortunately, this did not occur. Upgrade continued to draw interest on this large amount of $560.00 and the Veneer company was allowed to keep my hard-earned money. Upgrade eventually re-opened my chargeback dispute but ignored or disregarded the reason for the initial decline: “No proof that the merchandise was returned to the merchant”. One of Upgrade’s reps during the dispute process gave me permission to return the defective item back to the merchant and I did and provided Upgrade with the FedEx tracking receipt and email. To no avail. Upgraded still sided with the merchant. Now I am out of $560 and the defective product while interest is growing and being charged on this amount by Upgrade. Unfortunately, Upgrade allowed the merchant to change their dispute from merchandise was never returned to: Unfortunately, we had to decline the dispute for the following reason(s): • The merchant was able to confirm the charge was posted valid since the merchant confirmed they attempted to provide instruction to fix the issue but it was not followed. In addition, all terms of service were agreed upon the purchase. What this means is that I was scammed by this Veneer company due to false advertising and the veneers not fitting and Upgrade sided with them. If they sell veneers for people with underbites and I have an overbite, there is no way to fix the problem unless I obtain reconstructive mouth surgery to change my overbite to an underbite or Upgrade could do the right thing and credit my account the $560.00 that was stolen from me. The last person I spoke with at Upgrade told me she speaks for the whole company and when she says “No” she means “No”. I NEVER STOOD A CHANCE WITH UPGRADE!!
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donna phelps
6 days ago
Response time was great
Response time was great! Only issue was the correspondence through the dashboard being updated.
C
cdb
6 days ago
Ease of use
Ease of use, generous terms...flawless. Took less than 5 minutes to open all accounts.Adios B of A!
R
rodney anthony
6 days ago
They Won't disappointment you
So far I have had a great experience with this card and the overall service
T
tracy meeks
6 days ago
Confused and Lost
I'm not able to link external bank accounts or find the mobile check deposit link. I have also download and uninstalled the app on two different occasions to make sure the it was up to date.
R
ronald mcdaniel
6 days ago
Apps easy to use very understandable
Apps easy to use very understandable
J
jamonique j williams
6 days ago
So far So good
So far, I like the service I've received when dealing with financial matters and the products offered with the checking account and looking to open a savings account given that the deals may work better that savings accounts with traditional banks I've tried in the past.
V
victor verdiza
6 days ago
The App is very user friendly and…
The App is very user friendly and customer service is great
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errol f. james, i
6 days ago
A checking account that is not really a checking account.
Upgrade is disclosing the truth.
M
manny
6 days ago
Easy to use and great benefits to it.
Easy to use and great benefits to it.
c
customer
6 days ago
How quickly they got an issue resolved
How quickly they got an issue resolved
C
cheyenne meza
7 days ago
Yess
I had no problems doing what I needed to do.
M
michael joseph
7 days ago
The absolute ease of applying
The absolute ease of applying, yet thoroughness.
A
amanda crisamore
7 days ago
Very user-friendly app.
I haven't received my card yet but the app seems to be pretty user-friendly. I'm excited to see how this goes.
C
catherine davis-james
7 days ago
Easy Application Process!
Easy Application Process!
R
rudy sandleris
7 days ago
When I applied for the credit line in…
When I applied for the credit line in checking account I accidentally deleted my application for the credit line, and because of this, you guys denied me a not want me to wait 30 days, but yet you approved the checking, makes no sense to me.
B
beth roberts
8 days ago
How this can help
It hope me out a lot .
C
clarice ward
8 days ago
Always responds fast and also get funds…
Always responds fast and also get funds fast
S
sandra hodson
9 days ago
Tired of getting emails to apply and…
Tired of getting emails to apply and get denied. Horrible service. Or should I say, lack of. Terrible.
P
patricia lane
9 days ago
Very professional
Very professional, polite and helpful.
P
patrick vixamar
9 days ago
The service is always easy and painless.
The service is always easy and painless.
S
sean kelly
9 days ago
Forms clear and concise .
Forms clear and concise .
D
daryl c
9 days ago
Easy process.
Easy process.
R
rony gilot
9 days ago
I cannot see dashboard credit card to…
I cannot see dashboard credit card to pay my bill.
R
regina smith
10 days ago
I love it
I love it. Easy to add money. No weird fees. Nothing bad. Everything you could want in a bank/credit card company
K
karen costanten
10 days ago
The whole process was unbelievable
The whole process was unbelievable. I was so happy with how simple and quick it was to do everything. I am confident that I made the right decision. Thank you!
F
frank bernardo
10 days ago
Online services are great and very…
Online services are great and very quick on confirming a loan. Thanks for your service.
C
chirag patel
10 days ago
quick question and answers
quick question and answers
D
duyen phan
10 days ago
great great g
great great g