06/18/2022 - This is an update to my previous review I am changing my rating from the one star to a five star because the company corrected the problem and have since proven to be a great company to do business with, so even though we had a rough start I will continue to patronize Upgrade. ********* This is the worst company I have ever dealt with, This entire year Upgrade has reported to the credit bureau that I have a $10,000.00 loan with them and I do not, I cancelled their loan in the approval stage because I got a much better rate with my credit union. I have been in constant contact with their resolution department which results in more lies and blame on the computer glitch. This has been going on since September 2021, I currently have a line of credit with this company and I am paying it off as soon as I can because I don't plan on ever dealing with this company again. I have reported them to the Better Business Bureau, I am writing this review on google and also on yelp. This is total harrasment and I am also going to inform the attorney general's office of their poor business ethnics and incompetence for any type of resolution. I have received numerous emails stating .02 cents past due on a loan that I do not even have. Today I received notification from the credit bureau monitoring service that Upgrade reported a new account on my report of a $10,000.00 loan, this is false reporting because I have not received any loan funds from this company. The response that I get when I speak with their representatives is that they sent the loan proceeds to my bank and my bank returned it. I have no knowledge of this and to this day I have not received any funds from them.

Absolutely the worse credit and checking company! After multiple phone calls, several hours of my life wasted because of incorrect information given to me in regards to the 400.00 reward bonus that was to be provided to me they declined the amount of money because a checking account was opened first when it clearly states online rewards checking bonus. False advertisement to the extreme. I was then told I had to have a line of credit in order to receive the checking bonus. Then once the line of credit was opened and transactions were made they told me I already had a checking account opened and I did not qualify. All and all this was a waste of my time and money do not I repeat do not open an account with upgrade inc!

Don't do it! RUN!!!!The loan is designed to never be paid off. I made 1 payment 98% of it went to interest. Made a payment the next day over 30% was taken for interest. Customer service is shady at best. She gave me all the wrong information after I pointed it out she said it was up to the customer to tell her to go into the "special" screen. Not kidding, her words. I'm gonna dip into my 401k cause at this point the penalty will be cheaper than this loan in the long run

This isn’t a real company. I told them I had a bird stuck in my dryer vent and all they did was transfer me to terminex

Sneak attack and added 30 more dollars each month in Interest without warning and all they could say was sorry!!! Looking to pay them off and get rid of them