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Find a Location

Upgrade, Inc. has 1 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

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    Business ProfileforUpgrade, Inc.

    Loans
    BBB accredited business

    At-a-glance

    Customer Reviews

    4.44/5stars

    Average of 2,624 Customer Reviews

    Customer Complaints

    1,416 complaints closed in last 3 years

    397 complaints closed in last 12 months

    BBB Rating & Accreditation

    Accredited Since: 4/28/2017

    Years in Business: 7

    Customer Reviews are not used in the calculation of BBB Rating

    Overview of BBB Rating

    Overview

    Universal Credit offers loan services.

    Business Details

    Location of This Business
    275 Battery St Fl 23, San Francisco, CA 94111-3305
    BBB File Opened:
    1/4/2017
    Years in Business:
    7
    Business Started:
    5/31/2016
    Business Incorporated:
    7/29/2016
    Accredited Since:
    4/28/2017
    Licensing Information:
    This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
    BBB records show a license number of 34404 for this business, issued by Federal Deposit Insurance Corporation. The expiration date of this license is 11/30/2024.

    These agencies may include:

    Federal Deposit Insurance Corporation

    25 Jessie St

    San Francisco CA 94105

    (877) 275-3342

    https://www.fdic.gov/

    BBB records show a license number of 1548935 for this business, issued by Nationwide Mortgage Licensing System/NMLS. The expiration date of this license is 11/30/2024.

    These agencies may include:

    Nationwide Mortgage Licensing System/NMLS

    1129 20th Street, N.W., 9th Floor

    Washington DC 20036

    (855) 665-7123

    http://mortgage.nationwidelicensingsystem.org/Pages/default.aspx

    Type of Entity:
    Corporation
    Number of Employees:
    1000
    Alternate Business Name
    • Credify Finance Corp.
    Hours of Operation

    Primary

    M:
    6:00 AM - 6:00 PM
    T:
    6:00 AM - 6:00 PM
    W:
    6:00 AM - 6:00 PM
    Th:
    6:00 AM - 6:00 PM
    F:
    6:00 AM - 6:00 PM
    Sa:
    6:00 AM - 5:00 PM
    Su:
    6:00 AM - 5:00 PM
    Business Management
    • Mr. Thomas Curran, Chief Compliance Officer
    Additional Contact Information

    Email Addresses

    Industry Tip

    BBB Tip: What to consider when researching personal loans

    Customer Complaints

    1,416 Customer Complaints

    Need to file a complaint? BBB is here to help. We'll guide you through the process. How BBB Processes Complaints and Reviews

    File a Complaint

    Most Recent Customer Complaint

    03/30/2024

    Complaint Type:
    Product Issues
    Status:
    Resolved
    On March 26 I received an email from Upgrade.com:Subject: Information about your Upgrade Card request From: ************************************* Personal Credit Line Hi *****,Thank you for your recent application for an Upgrade Card with a personal credit line. Unfortunately, your request could not be approved at this time. However, you may reapply in 30 days if you feel that your circumstances have changed.Click here for more information on why we could not approve your application.If you have any questions regarding this decision, please contact us at **************.Thank you,Upgrade Customer Support -----I responded on the same day:-----It appears I am a victim of identity theft please provide more information about the application made in my name. For example what personal information was required to create the application? Why was the application denied?I tried to reset the password on the account in order to prevent further applications. However the password reset form asks for my SSN and have no intention of providing my personal information.Regards -----The Upgrade.com support team replied the same day:-----Hi, Thank you for contacting the Upgrade Team. Were here to help! If you believe an application was created without your consent or knowledge, please give our team a call at **************, Monday - Friday 5am - 7pm, and ***************** 6am - 5pm Pacific Time, so we can investigate further and walk you through our identity theft process. We look forward to assisting you!-----I requested that the Upgrade.com staff correspond with me in writing, yet they continue to refuse to do so after repeated requests.
    Read More

    Customer Reviews

    2,624 Customer Reviews

    What do you think? Share your review.

    How BBB Processes Complaints and Reviews

    Start a Review

    Most Recent Customer Review

    Ryland L

    1 star

    04/15/2024

    poor customer service. I answer all the security questions and they still wont let me change my auto pay or change my address but they were willing to change my address when i took out another loan. they were great 2 years ago but now they are a joke of customer service. they do not want to do anything and i have constant problems with them

    Local BBB

    BBB serving the San Francisco Bay Area and Northern Coastal California

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