Upgrade - Mobile Banking Negative Reviews

Upgrade - Mobile Banking App Complaints & User Negative Comments 2024

Upgrade - Mobile Banking app received 26 complaints, negative comments and reviews by users. Have you ever had a bad experience using Upgrade - Mobile Banking? Can you share your negative thoughts about upgrade - mobile banking?

Upgrade - Mobile Banking for Negative User Reviews

✓ Horrible companySo my husband is a business owner and business started to slow down so we decided to do the responsible thing and consolidate our personal credit cards. We signed over all our credit card accounts over to a consolidation company so they could negotiate interest rates and balances for us. Due to the consolidation negotiations our credit has been up and down. We decided not to add upgrade to the consolidation so we had a “just in case of emergency” card available. We left our upgrade accounts on auto draft so they would always be in good standing. Well, we hadn’t used our upgrade accounts in probably about 6 months. I decided to check the balance on our upgrade accounts and found out our upgrade accounts were “ineligible for new draws”, Called the check what that meant, turns out our accounts were permanently suspended and the rep said it’s due to our up & down consolidation credit situation. So we tried to do the responsible thing and we were still penalized by a company we were in good standing with. Horrible company! They penalize you even if you pay them! **Not to mention they have the app listed for ages 4+. Why isn’t this app listed for age 18+!**.Lmrod1226Version: 1.16.1

✓ Incompetent customer serviceI held a live chat with Stephanie on 9/13 through the app as I had added a new checking account for my auto pay but it wouldn’t let me select it as the default account and I’m in the process of closing the old account. She told me it was all set up with the new account and that my old account had been deactivated. She lied. On 9/17 I checked the app and it still looked like the payment was coming out of the old account. I live chatted again with Rachel who told me once you add a new account the old account is deactivated but since the payment had already started processing out of my old account this too was a lie. Finally I called and talked to a rep I did not catch his name and while he was nice and disabled my auto pay for me (so far the only rep to actually do anything). I was told that they would not reimburse me for any fees my old bank would charge me even though I would only be charged those fees because of their mistake. He double checked to see if he could get me reimbursement if I am charged NSF fees (hopefully I won’t because as soon as I found out about their screw up I started a transfer from my new account to my old account) and was told a firm no that they would not. This is egregious to admit they are the cause but then make no amends for their mistake is unbelievable to me. Customer service is dead..Martypants33Version: 1.9.3

✓ Get a different card not worth itI would advise everyone against getting an upgrade card. The system they have in place is very strange and could use a ton of work. I’ve had so many issues with them. Most of the people they have working seem very new, and even the supervisors and unsure of the answers they give you. So even on a structural level of the business they are very flawed. Two times they said I have a late payment of 60 cents which was an issue on their end and it happened 2 times. And also they will block your card randomly if your fico score goes lower for any reason. Their is no criteria that they give you. They just block it. I don’t use the card so i never noticed but it’s a very weird practice of them. I would just save myself the hassle and go with a different card or loan..Lamont2012Version: 1.12.1

✓ Holding of Direct Deposits for up to four daysIn speaking with Customer service I learned today that Upgrade is holding money which was sent via direct deposit by my workplace for up to four days. This is quite possibly the most absurd thing I’ve heard. It was not disclaimed to me that deposited money would take that long to clear. When every other financial institution gives you access to your money the moment it arrives into your account. Upgrade does not do such a thing! So from the time it arrived yesterday they can lend it to others whilst not even bothering to acknowledge that the money has arrived and giving you the right to bear interest. No they’ll pretend it arrives Friday. This is some shady practice. I’m closing my Upgrade account come Friday and moving back to Lili. Highly disappointed.JJ Hyattsville, MDVersion: 1.10.0

✓ Still No Funds?I just opened a checking/savings account last week and linked my bank account for a 1-2 day transfer of my paycheck to pay my bills this week. The funds showed up in the “Current” section after 3 days but day 6 and my “available “ funds are still $0 so I couldn’t use it to pay my car loan yesterday and the rest of my bills are in a couple days so now I have to move around more of my emergency fund to cover the rest of the bills until Upgrade decides I can have last weeks paycheck. I thought they were supposed to tell you if the transfer was going to take longer than usual but I was never notified and not sure how much longer it will take.UnnovioVersion: 1.13.2

✓ Sounded great, ended on first day…..After reading all the fine print and details, I was all in for an Upgrade One card and Rewards Checking account. After getting approved and submitting my information, I logged into my account and realized I had to complete a couple “To-Do” lists. So I look at the lists and was blown away as to what all info they were requesting before they would activate my accounts! Not only did they want a copy of ID, which I did t have a problem with providing, they wanted a copy of my W2 and last two years of income tax returns!!! As a past victim of identity theft, there is absolutely no way I am willing to provide that info to any organization, no matter how good their info protection, security, and privacy practices are! Like I said, it sounds good, but this “bank” does not adhere to reasonable industry standards and places a very small value on your privacy, verification of identity, and safety of your personal information. Providing my employers contact info, copy of ID, and matching info from my credit file should suffice every financial and identity concern they should have. But not with Upgrade! Downgrade your personal info safety at Upgrade!.Where's The Deals???Version: 1.11.1

✓ UnreliableI’ve been using this app for about a year and I’ve had a couple of small issues. When I call support, all they seem to do is give me a verbal shrug of the shoulders. This past week my scheduled transfer from my main account didn’t go through-it still hasn’t gone through. This is the account that I use for personal spending. So the money that I transferred Tuesday which would normally be available on Friday morning isn’t there so I have no money to spend. While the money has not come out of my main account I can’t spend it from that account because I don’t know if it will suddenly be drafted, leaving a shortage in my main account. Transferring money is a basic function and it shouldn’t be this difficult..UnclePennVersion: 1.14.3

✓ Unable to set Autopay date for credit card payments…For some reason Uograde doesn’t let you set auto payment dates. They pick a day and that’s the only day your automatic payment can be paid on. ALL credit card companies let you setup your autopsy dates to match your budgeting. Upgrade does NOT allow this. Their support staff is not helpful at all. Do NOT use Upgrade if you want to setup payments according to your schedule. I was also on HOLD for a LONG time when calling in and wanting to speak to a supervisor about scheduling autopay. This companies customer service is TERRIBLE. The app is terrible to as it doesn’t let me choose a date for autopay either - it also does not let you set an amount for autopay..RsninchicagoVersion: 1.12.1

✓ Discrimination on a high levelI hold a phone call about my brother application he submitted for a loan he got approved on credit karma, it was saying outstanding approval we submit his documents and wanted to check if everything is fine, we were talking to the approval agent he's name was Paul, as soon as he starts talking to my brother his voice changed I was on the phone to help my brother on his behalf, he told him you know what I'm going to decline his application when I asked the reason, he didn't let me talk and hang off the phone, I talk to their supervisor and wanted to find out why his loan got declined, no reason because their agent was racist, this is a free country, the upgrade is the company to provide loan or credit card, I would not recommend the company that their employees are ignorant and racist! I would leave 1 star....Duman obaliVersion: 1.8.3

✓ Not a fanRobbery honestly, but some people like me with bad credit don’t have many options but to accept one of their loans with a 30%+ interest rate. Not only do they take advantage, but I don’t really like the way they do business. They approved me for a credit amount and then later on decided that I could no longer have access to that credit. So it shows that I have a certain credit amount, but i’m unable to withdraw anything. So the only thing imm allowed to do it pay my bill. Despite paying on time. Once I pay off my loans, I hope to never have to use Upgrade again..108158Version: 1.14.3

✓ UselessI was excited to sign up for Upgrade. I got my new debit card in the mail, and was ready to sign in the app to activate it and start using the program. However, the app told me my password was incorrect (which I know it isn’t). I went to reset it, and it tells me “we’re sorry, there’s a problem”. It has now been saying that for 3 days. I’ve tried emailing them, calling customer service, and even communicating with them through social media, and absolutely nothing has been done to address my issue. They can’t (or won’t) reset passwords on their end. I was literally told “I don’t know what to tell you”. Horrible experience. I will be reporting to the BBB..JPT1984Version: 1.9.3

✓ Bait and switch worst companySo I have been with upgrade for like 3-4 months they are on auto pay have been paid on time each month. But because my credit score dipped they took away the ability for me to actually use the card. I have never seen that ever . And the fact that they have been paid on time each month never late is the worst part . They will take away your amount of credit then your credit all together. I would suggest using grain which is similar or self or a number of other apps but not this I still have those a accounts who were also on auto pay I have not been penalized as upgrade has I would never suggest them..Lourena gVersion: 1.8.3

✓ Customer service needs an upgradeThis company was fine for me in the beginning: quick approval, nice card, and nice app. The loan itself wasn’t especially helpful, but at least everything seemed functional. However, when I decided it wasn’t worth it to have yet another debt, I tried to close the account after paying the balance off. That was six months ago, and it still isn’t closed. I’ve emailed them twice (useless) and called them several times (every time being put on hold and transferred for up to an hour). In comparison, I closed my Citi account in five minutes via an automated line. This customer service is either shady or really inept. If you want to get involved with a lifelong organization, I’d recommend the mafia over this one, as the benefits are better and when you decide to end things, they let you “go” quickly..Meursault68Version: 1.7.3

✓ Mobile deposits are a select privilegeApparently the app only offers mobile check deposits to a select few people according to the call I had with the support line. This information was only shared via support line, there is no information in the app or website that states mobile deposits aren’t universally available. Not thinking that only the Elite will be allowed this feature I endorsed my check for CRB right away just like the app and website told me to, only to find out that it isn’t an option and now I am out half of a month of pay which includes my rent money. I chose this app because I had no access to some of my banks anymore since I moved, and one other bank was taking 2 weeks to process checks. Looks like I have no possibilities now, since I’m not part of the Inner Circle of Upgrade to be allowed the privilege of mobile deposits..Cmarrs619Version: 1.12.1

✓ Total Disappointment Beware!I have a Upgrade credit card account. A few months ago upgrade got my email confused with another account I have with upgrade. Unfortunately, for the past few months, I have not been able to do what a Upgrade says you’re supposed to be able to do on your app, which is: check your balance, available credit, and track your rewards. After many phone calls to Upgrade to resolve this issue nothing has been done. Do they not have an IT team to resolve this issue??? Maybe Upgrade should get a loan from Cross River Bank to hire an IT team to resolve these type of issues since they don’t have the people to do it themselves! If you use your app to to keep up with your credit card account be careful, that’s all the access to your account that you have they don’t do paper billing!! They want your payment over the phone but won’t send you a copy of your payment, you have to keep track of that..Maximus FortressVersion: 1.10.0

✓ Terrible customer serviceInterest rate on loan was ok, but the problem is accessing your account online. They have been emailed over 3 times, on hold on the phone for a total of over 5 hours trying to view account information. When logging in, the account still shows under review after 5 months and automatic withdrawals from checking. This makes it impossible to see payments posted, payoff balance, to make extra payments or to change automatic withdrawals. Everytime I call in, either the operator has no clue what is going on or I am told it is being worked on. After 5 months, the issue should have been resolved long by now. At one point I was told they couldn’t give me the payoff. Due to this issue, I am very dissatisfied with this company, they have no problem withdrawing your money for payments, they just have a problem showing on your account the payments have been posted. I like seeing where my money is going and I like knowing the payoff. This loan will be bought out by another one, even if it’s a higher interest rate. They have too many unresolved issues with their website interface t conduct business..Disturbing FactorsVersion: 1.8.3

✓ Doesn’t understand what Bitcoin isI was excited to apply for this card, primarily cash back rewards in the form of Bitcoin. However after 2 months there was no indication of my rewards balance nor did the Support team have any idea when it would appear. After a 40 minute conversation I was told that Upgrade arbitrarily decides when to purchase Bitcoin and apply it to your account. If they have no liquidity there this is essentially a broken card- program. All this card serves as is a debit card and an interest payment in any purchase…so I’m going for gas and paying you in addition to the purchase?!?! It’s also misleading to have no clarity as to your balance versus the due date…..your balance, actually every purchase is to be paid off within 24-48 hours to avoid an interest fee but they can’t even divulge this on the app nor have any idea what the processing time is to pull it from your checking account. If you want a debit card bc you have trouble manages a couple hundred dollars apply…if you want to accrue bitcoin which actually has value look elsewhere because this is the moon to them..Adamsilve1Version: 1.8.3

✓ App could be betterAfter the last update, I couldn’t get into my account. Changed password & got in once-now I can’t get in to view my account again (no surprise). Have not been able to reach customer support. This is not the first time. Can they not use facial recognition like everyone else? If I wanted to log in every time I would use my laptop & not need an app. Hire Capital One’s App developers. I will be paying this off quickly & will not use again. My tiny local credit union has a more intuitive easily accessible app. Highly frustrating app especially considering the wheel doesn’t need to be reinvented here. Just make an app that is easily accessible & provides the information needed, plenty of other apps manage this..Crazymonkey107Version: 1.8.0

✓ Things I do and don’t likeChanging a phone number is way harder than it needs to be. Rewards are cool, and I appreciate the loan, but I don’t care for their way of doing things when it comes to customer service. Been on hold for over 35 minutes collectively all just to say I still have more to do before my issue is addressed. Got forwarded to either a recording or someone that I wasn’t trying to reach and they wouldn’t stop talking long enough to direct me to the department I needed to be directed to. The people I did talk to were nice enough but yeah 3/5 altogether. Minus 2 for the lack of customer service..BadCreditbutyoloVersion: 1.16.1

✓ App could be betterThis is more of a review of the app itself, rather than my actual loan through upgrade, so keep that in mind. For whatever reason it doesn’t save my info unlike pretty much 99% of apps out there, meaning I have to input my login info each and every time I want to use the app, which gets pretty tedious. Especially considering both my email and password are both longer than average. I looked around in the settings and saw that I had “login with Face ID” enabled (which obviously doesn’t work). So I turned it off with the intention of turning it back on immediately after to see if that would fix my issue but instead it got rid of that option completely from the list of settings? Ok….SavedabuffaloVersion: 1.8.0

✓ Low ScoreI’ll never deal with this Upgrade ever in my life ! Did they disclose to you that if your credit score drop from one of the credit bureau for instance Transunion can have your Credit Score at a 595 but Eqifax etc can have your score at a 765 they use the lowest credit score and will lock your card to keep you from using it ! There’s nothing that you can do about it ! I’ve called several times to fix this ! I have my Transunion blocked & my other two as well to keep people like Upgrade from running my credit score without my permission I’ll never use them again nor will I ever refer anyone I mean absolutely not a soul ! Worst loan place I’ve ever encountered in my life!!!!!.None ByeVersion: 1.14.3

✓ SCAM!! Please do not get this for rewardSo I applied for this via credit karma to get the 400$ bonus. I called customer service before I do anything and followed the steps and made the minim payments. But today I called regarding my reward. First agent I talked to transferred me to customer service then she transferred me to a higher up. He specifically asked me to deposit 5$ to my checking account to get the reward and put me on hold till he sort it out. At this point this was a 40 min call. Marvin or someone. Then suddenly the phone was picked up by a completely different lady in “ upgrade reward checking account “ department. She had no clue what’s going on and asked why I called, this was after 45 mins. She said she cannot transfer me back to the previous agent and did not offer any solution rather argued for another 20 mins why she cannot trace back who I was talking to. So at the end no reward nothing, it just a scam. Please stay away from this company at all costs..Invester.brokenVersion: 1.9.1

✓ Don’t BotherUpdate: I decided to give the card another try. I again got the “declined card locked” response. I called and cancelled the card and was given no reference # or any other info to verify I had done so. Two days later I get an email claiming Upgrade “conducted a review and decided to terminate my card use privileges based on changes in my credit report.” There were no changes in my credit report, so again, sketchy company. I applied, was approved, got card, called and activated card. Was notified I needed to do a phone interview to use card. Weird, but okay. Did that. Tried to use card….declined. Call to ask why and advised I needed to do phone interview. Explained I did that, told “do it again”. Three calls later and 40 minutes on hold I’m told card will be unlocked but it will take 3-5 business days. Three business days later, card still locked. I am angry that I now have this card and inquiry that I can’t seem to use. I will be closing the account and filing complaints with every agency overseeing credit card companies. Stick with Capital One or your bank, this company is sketchy..AkcaponteVersion: 1.10.0

✓ They goodThey a good place only thing I believed they not real about is. And I believe they say it to get people attention is the 200 dollar welcome bonus , it’s says have checking account with direct deposit and other stuff just to get people attention, they hit good customer care but when you about the 200 dollars they got different things to say , thst and when I first got to them my direct deposit was at 2 Wednesday well with warning now it’s 730 on Wednesdays sometimes 8 , everything else is a good place they just need to cut false advertisement out about the 200.Dont trustwishVersion: 1.16.0

✓ Hard To Work WithGetting anything to work with this credit card and Upgrade in general is so hard. I tried getting my card replaced which required updating my mailing address as well, after going through a verification process, the rep still wanted me to verify my last transaction with them which was months ago and not readily available through the app unless I downloaded every statement to go through, and found the last transaction. After finally getting my card mailed, I attempted two transactions that got declined lol, no reason whatsoever. I got a message saying that my card was now locked due to suspicious activity, but no instructions on how to unlock it. I don’t even want to bother calling again to unlock it since it’ll probably be another tenuous process, I’ll just stick to my Capital One for now unless I really need to use this..Nicohg93Version: 1.12.1

✓ Horrible companyThis company is awful. When people need help they help but then when they help you, there are strings attached that you don’t realize. I ran into financial trouble but was never delinquent with my cc. They ran my credit report, and now, ‘cancelled’ my account. You have to call to cancel any automatic payment they manipulate you into agreeing to pay… They are fraudulently reporting the account as ‘active’ and/or ‘open’ to credit bureaus, but I’m not entitled to use the account. They are using the term ‘suspended.’ Such a load of crap. Such a waste. Customer service reps are not helpful. Because ‘It’s just the way things are.’ Do not go to them… for anything. They will just use a computer to judge you and not help you..Kas247Version: 1.13.2

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