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Business Profile

Loans

Upstart Lending

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Loans.

Complaints

Customer Complaints Summary

  • 114 total complaints in the last 3 years.
  • 51 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:07/02/2025

    Type:Customer Service Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have contacted this company multiple times about my account issues. CS misinformed me about my account. And they placed negative remarks on my credit. Posting that I am current and late. When questioned about it, ** claimed to escalate this matter. But instead you get automated emails with no help. Unless you pay on the due date, they will consider you late and put negative remarks on your credit.

  • Initial Complaint

    Date:06/30/2025

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    To Whom It May Concern,I am writing in regard to a recent copy of my credit report issued by your company. Upon review, I have identified several items that appear to be inaccurate. The accounts in question are listed below for your reference:UPSTA/FINWSE - FW62**** $0.00 In accordance with the Fair Credit Reporting Act (15 U.S.C. 1681g), I am requesting that you provide copies of all documents currently in your files that were used to verify the accuracy of these accounts. This request pertains specifically to the materials that existed in your records at the time of this inquiry.Please do not respond with a general statement that these accounts have been verified. Instead, I am asking for actual documentationsuch as signed contracts or records from the furnishersthat support the continued reporting of these items.If you are unable to provide such documentation, I request that these accounts be removed from my credit file immediately, as required by Section 611(a)(5)(A)(i) of the ****. Reporting and sharing inaccurate or unverified information with third parties may cause ongoing harm to my reputation and credit standing.Thank you for your prompt attention to this matter. I look forward to your response.

  • Initial Complaint

    Date:06/24/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
     
    Complaint: 23511919

    I am rejecting this response because: The response is absurd. I may or may not receive a response does not make any sense. My credit has been greatly affected. Please assist in resolving this matter.

    Sincerely,

    ***** *******

    Business Response

    Date: 07/10/2025

    Hello BBB Representative,

    Thank you for the opportunity to respond to the concerns of ***** *******. We take the concerns of our customers seriously.

    Please be advised that a detailed response is being prepared to address Denia Merivils concerns and will be sent to the complainant directly once complete.

    If you or ***** ******* have any questions or concerns, we can be reached at ************** or ************** (toll-free) or ********************************************************.

    Kind regards,
    Upstart

  • Initial Complaint

    Date:06/20/2025

    Type:Service or Repair Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I was told that I wouldn't have to pay any more money after my car was repossessed and after I paid the money they said I now have to pay an additional $450 to get it from the impound lot that is an hour away from my house.

  • Initial Complaint

    Date:06/15/2025

    Type:Order Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I opened a loan with upstart in November 2019. Then my payments were affordable. $283.44. After two months of difficulty and hardship during covid 19 I requested to extend the payments and UPSTART used a forbearance on the loan and added the payment to the back of the loan increasing the payment. The payment increased to 330..19 I was out of work June 2024 due to short-term disability and requested a hardship forbearance again. That was when I became behind one month on the loan upstart says I am two months behind but it should be only one month be hind and they are constantly pushing the loan towards default which I am desperately trying to avoid to no help from upstart even though they send nice emails saying they can help, they are not able to.

  • Initial Complaint

    Date:06/12/2025

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  • Initial Complaint

    Date:05/20/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    They have reported me to credit unions and it has effected my credit score majorly,I've called and spoken to several of there call center agent telling them this information which they keep saying we're going to "update", they have me for this whole entire year as if I never have paid, I have the funds drafted from my account automatically every month for them to continuiously report me as if I'm not paying is complete crap! Not to mention they sent me to collections for 173$ without proper **************** WAS PAYING EVERY MONTH once again being drafted from my account again when you call them they pretend to act like you've never called and this is all "new" I'm over this loan I'm still paying it but I'm done with this fraudulent company not to mention harassing phone calls I had to threaten them to stop calling me and harrassing me!

    Business Response

    Date: 06/05/2025

    Hello BBB Representative,

    Thank you for the opportunity to respond to the concerns of ******** *******. We take the concerns of our customers seriously.

    Please be advised that a detailed response is being prepared to address ******** ******** concerns and will be sent to the complainant directly once complete.

    If you or ******** Latorre have any questions or concerns, we can be reached at ************** or ************** (toll-free) or ********************************************************.

    Kind regards,

    Upstart

  • Initial Complaint

    Date:05/12/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

    Business Response

    Date: 05/14/2025

    Hello BBB Representative,

    Thank you for the opportunity to respond to the concerns of ***** Louise ********* We take the concerns of our customers seriously.

    Please be advised that a detailed response is being prepared to address ***** ****** Martinezs concerns and will be sent to the complainant directly once complete.

    If you or ***** Louise ******** have any questions or concerns, we can be reached at ************** or ************** (toll-free) or *********************************************************

    Kind regards,
    Upstart

  • Initial Complaint

    Date:05/08/2025

    Type:Sales and Advertising Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I had a car loan through them and traded in the car a month a a half ago. The place I got the new car has informed me that upstart has cashed the check and the check has cleared the bank but they are telling me that they have no record of any check but like I said they have cashed the check. They refuse to close out my loan are still trying to charge me my monthly payments and every time I call they tell me I have to wait 10 days for a decision and Ive had to wait three times now.

    Business Response

    Date: 05/20/2025

    Hello BBB Representative,

    Thank you for the opportunity to respond to the concerns of ******* *******. We take the concerns of our customers seriously.

    Please be advised that a detailed response is being prepared to address ******* Winstons concerns and will be sent to the complainant directly once complete.

    If you or ******* Winston have any questions or concerns, we can be reached at ************** or ************** (toll-free) or ********************************************************.

    Kind regards,

    Upstart

  • Initial Complaint

    Date:04/29/2025

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    All dates are 2025 The loan I had with Upstart was paid on 4/11 with an overnight check from a large dealership in ******* OH. It was received on 4/14 by Upstart and not credited to my account until 4/17. I have called many times and sent numerous emails to try and get the title released and am only told it will not be released until 5/2. This is not only inexcusable but rude and unethical. When asking why it takes so long to 'go through their system' I am told that's just how it is. Holding a title hostage due to corporate incompetence or simply lack of caring is not illegal but it should be. Upstart loans is the absolute worst company i have ever dealt with, or heard an experience with in my life. This was also agreed to by the dealership sales person i dealt with who has been doing this type of thing for a number of years.

    Business Response

    Date: 05/01/2025

    Hello BBB Representative,

    Thank you for the opportunity to respond to the concerns of ******* *****. We take the concerns of our customers seriously.

    Please be advised that a detailed response is being prepared to address ******* Diltss concerns and will be sent to the complainant directly once complete.

    If you or ******* Dilts have any questions or concerns, we can be reached at ************** or ************** (toll-free) or ********************************************************.

    Kind regards,
    Upstart

Upstart Lending is NOT a BBB Accredited Business.

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