Upgrade, Inc.

Very poor experiance

Applied for a loan with Upgrade and went through their web process, which was less than well laid out. After filling in all the required information, and getting notified that all was done, I continued to see the complete to do's message. Tried to call the support line and after being on hold for over an hour and a half, I gave up. Tried the line again the next day and was avian on hold for so long I hung up. Sent an email to support and did not hear back from them for more than a week!
I went to different lender and was funded withing 3 days.

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borderline scam

I was contacted by upgrade for a loan request after filling out their forms and advised I was approved for the amount requested however, they take finance charges out up front and would receive a lesser amount. I advised the loan amount was specific to the purchase and would not work for me. They said they would cancel it. I took a loan with another company and was all set. I get an email 2 weeks later staring my upgrade loan was approved and being transferred to my account. I responded to the email stating no and to cancel as discussed. I received no response and on monday got a hard credit inquiry from upgrade and an additional notice of funds transfer. I called and waited on hold 2 hours to finally speak with someone who told me they had no idea how it happened and setup a payment back to them and stated they would cancel the loan upon receiving payment. Payment went through I get another email a few days later reminding me the first payment would be auto drafted in 2 weeks. I called again and waited an hour and half to be told first person did it as a payment not a cancelation and would redo the request. Still waiting for loan to be cancelled. They are impossible to get ahold of and you have to harass them to get anything done. Plus a denied loan for 11,500$ was pit through despite denying it.

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It was a bad experience

My first email said I was approved then I got a second email saying that I wasn’t! It took four days for the money to hit my account after I was told the longest wait would be up to 48 hours………. NOW I DONT NEED THE LOAN IM HIGHLY DISAPPOINTED!

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Not a good start

Upgrade was to pay off an existing loan I have with another company and have not yet made the payment. This is not a good beginning of my relationship with Upgrade.

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Not happy

It was horrible that I was forced to join the PenFed credit union. Plus the PenFed credit union agreement did not even have a phone number listed. It took me talking to 3 different people at Upgrade to get the number. I will never recommend your company!!!

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Bad customer service/experience

Not a good customer exp********.No one called me to inform me of anything. I had to call in every time just to get a update.
You have to agree to allow this to take your monthly payments out of your account..I didn't like that, giving them full access to my account..
I will pay this loan off and never use them again.

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Would not recommend

When I was going through bereavement of 3 family members at separate times, during the course of a 7 month window, I reach out to Upgrade for assistance on spreading out the bill payments or even diverting even one payment. The response I received was since it was already set in, they would not change any payment plans or divert even a payment. To add salt to the already really raw wound, even after telling them that I having financial hardship as well as bereavement they still even stated "We are willing to loan you more money". I'm sorry, at what point did I say I needed to borrow MORE money. I was willing to work with them, but clearly they only care about money and not people. Therefore, even in the future, as this loan was paid off by other means, if I ever have the need to borrow money and even if they have the best rate there, I will be hard pressed to even consider them. If they do not care about people, why would I want to deal with that type of company?

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