I filed a complaint before regarding the loan I took out from Upstart. I called the company on Monday because there was a missed call from them. I was explaining to the person about how upstart took money out of my account without my permission and they did this to a loan that I already made the payment to. When I realized I wasn't going anywhere with the customer service agent I asked to speak to a XXXX. The customer service agent refused to transfer me to a XXXX and stated I already decided that you don't need to speak to a XXXX and will be transferring to another department. She did not know what I needed and I asked her about XXXX times for the XXXX. Refused to transfer me and hanged up the phone. I called back and spoke with another agent name XXXX and when I asked her to speak to a XXXX she tried to get hold of XXXX right away. She wasn't able to get hold of a XXXX and left them a message to call me back. Upstart XXXX never called me back. This company is out of control.…
CFPB COMPLAINT DATABASE
Upstart Holdings, Inc.
3,345 real consumer complaints filed against Upstart Holdings, Inc. at the Consumer Financial Protection Bureau. 23 received relief from the company. 99% of responses were timely.
Most common issues
- 01Incorrect information on your report877
- 02Took or threatened to take negative or legal action413
- 03Improper use of your report386
- 04Problem with a company's investigation into an existing problem292
- 05Attempts to collect debt not owed253
- 06Problem when making payments138
- 07Charged fees or interest you didn't expect132
- 08Getting the loan129
- 09Struggling to pay your loan101
- 10False statements or representation89
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
I refinanced my auto loan with Upstart on XX/XX/year> with the expectation that they would pay off my prior lender as part of the transaction. Upstart failed to complete the payoff. Over the following weeks, Upstart issued three payoff payments, all of which were rejected. I was not notified of these failures and only discovered them by checking my prior loan account. My prior lender confirmed that the payments were failing because the funds were not authorized by Upstarts bank. During this time, I made repeated attempts to resolve the issue by phone and email. I was often unable to reach customer support during posted hours and did not receive promised callbacks. When I reached a supervisor, I was told there was no timeline for resolution and that the loan could not be canceled. While the payoff remained incomplete, I made payments to both lenders to avoid further issues, including a payment to Upstart that included a late fee.…
I called this company in XXXX to remove my automatic deductions because my paycheck falls on days sometime before the due to or one or two days after the due date. When the automatic deduction occurs and the payment is returned, they charge a return fee. The individual I spoke with stated they removed the autopay. On XX/XX/XXXX it was automatically deducted again, and I called them and told them that I requested to be removed from the automatic payments and that fee needs to be removed. They removed the fee and I made the payment on XX/XX/XXXX. Today XX/XX/year>, I see another charge from the company when I already made the payment last week automatically being deducted. This company just stole {$200.00} dollars out of my savings account since I did not authorize that transaction, and I have asked them multiple times remove my automatic payments. They refuse to remove it and now stealing money out of my account when I have already made the payment for this month.…
On XX/XX/year>, I started the refinance process with Upstart and the paperwork was completed on XX/XX/XXXX. On XX/XX/XXXX, a check was sent to XXXX ( the previous lender ) but the check hadn't arrived by XX/XX/XXXX so Upstart cancelled payment and issued a new check. Then the first check from XX/XX/XXXX arrived at XXXX on XX/XX/XXXX and they attempted to deposit it. It did not go through. The check from XX/XX/XXXX arrived and it was mailed to me since it didn't meet the new payoff amount. I worked with XXXX and had them agree to accept the XX/XX/XXXX check and the original payoff amount and I overnighted the check to them at my expense. Upstart canceled the XX/XX/XXXX check the afternoon after I mailed it to XXXX and issued a third check, dated XX/XX/XXXX. At this point, XXXX still holds the title and I have little to no confidence that Upstart will be competent. This has taken hours of my life, making near daily calls to get this straightened out.
I have a loan with Upstart. I wanted to pay off my loan. I spoke with a representative who gave me details on how to pay off my loan. I informed them that I was going to mail a cashier 's check they provided me with the address and said to send the total payment. I mailed them a check amounting in {$2200.00} to pay off both of my loans. The loans are under my name. I sent the check on XX/XX/year>. based on the tracking, they received it on XX/XX/year>. I immediately called them on XX/XX/year>. I spoke with a representative who confirmed they received my check. They said I overpaid them on one of my loans and that they can not apply the balance to my other loan. I was on the phone with them for over 35 minutes. I was frustrated and told them that I was informed to send one payment to pay off both loans. I do not understand why they can not apply my payment to both loans that are listed in my name.…
Recent complaints
The 27 most recent complaints against Upstart Holdings, Inc. where the consumer chose to publish their narrative.
I have an active auto loan through Upstart for a XXXX XXXX XXXX, XXXX XXXX XXXX ], loan/account number XXXX, originated on or about XX/XX/XXXX. I recently applied to refinance this loan through XXXX XXXX to obtain a lower interest rate and monthly payment, and I provided all documentation XXXX requested. On XX/XX/XXXX XXXX notified me through its loan portal that it was unable to proceed due to an unperfected title and instructed me to work with my current lender, Upstart, to perfect the title first. Shortly afterward, on thje same date, XXXX emailed me stating it had no offer for me and that my financing request had been closed. The sole reason XXXX gave for blocking and closing my refinance was that the XXXX on my vehicle title is not perfected. XXXX perfection is the lender 's responsibility.…
I took out a personal installment loan originated by XXXX XXXXXXXX XXXX through the Upstart platform on XX/XX/year>. The loan amount was {$11000.00} with an origination fee of {$1100.00} ( 9.531 % ). I paid off the loan in full on approximately XX/XX/year> 28 days after origination. Per Section 9 of my Promissory Note, a full prepayment within 90 days entitles me to a partial refund of the origination fee. I received a refund of {$780.00}. The company retained {$350.00}, which is 31.1 % of the origination fee for only 2.6 % of the 36-month loan term. I contacted the loan servicer ( Upstart Loan Operations / Grantor Structured Asset Based Finance Trust, Series 1 ) three times via email requesting the mathematical formula used to calculate the {$780.00} refund amount. On the first request, the representative explained the refund was based on the amortization schedule but provided no formula.…
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.
Predatory loans, with no real help when you can not make a payment, they skip the payment but then add it on to your loan total and that makes your monthly payment go up as well as the interest rates they charge.
I am asking for a manual, compassionate goodwill review of the negative credit reporting identified in this package. I am not submitting this as a settlement demand or as an attempt to avoid responsibility. I am asking the company to look at the human circumstances, the attached documentation, and my good-faith effort to stabilize after a period of repeated job loss, medical crisis, and identity-theft disruption. Account ( s ) covered : XXXX ; XXXX ; XXXX ; masked second loan Bureau coverage : XXXX, XXXX, and XXXX Requested goodwill action : remove all 30-day and 60-day late marks, modified-loan derogatory comments, and adverse status on both Upstart loans. XXXX shows two Upstart accounts with 7 late payments each. XXXX supplement shows two Upstart loans with 60-day status and bureau mismatches.
On XX/XX/XXXX XXXX used car sale associate pushy and hardcore sales tactics only advised to go through the motions would not have to purchase to get the {$4000.00} cash prize from the scratch-off tent sale where the manager at XXXX XXXX was XXXX for fraud in XXXX for the same. He would work with Upstart a lender in California who does not verify any customer information the dealer and the lender were able to forge an agreement, POS terms were provided however, the loan application was only a pre-approval and only a conditional offer. The dealership never provided the terms from the bank only the POS document for XXXX insurance. The sales associate advised she did not have the details from the Finance company and I could test drive the vehicle to get a mechanic inspection before final decision. To take the car off the lot they requested {$1000.00} downpayment fully refundable and kept my XXXX, XXXX XXXX during test drive timeframe within 24 hours.…
I am submitting this complaint as a follow-up to my previously closed CFPB complaint number XXXX against Upstart Network, Inc. regarding Account XXXX XXXX That complaint was closed without adequate resolution, and the issues outlined below remain unaddressed. Upstart 's response to complaint XXXX was inadequate and failed to address several critical issues : 1. LATE RESPONSE TO INITIAL COMPLAINT My initial complaint was submitted on XX/XX/XXXX. Upstart did not respond until XX/XX/XXXX, which is XXXX days later and XXXX days past the CFPB 's XXXX response deadline. Upstart did not request an extension to exceed the XXXX window. This late response is consistent with a broader pattern of non-responsiveness and further demonstrates Upstart 's disregard for consumer rights and regulatory obligations. 2. FAILURE TO INVESTIGATE A DIRECT DISPUTE On XX/XX/XXXX, I sent a written notice directly to Upstart at XXXX disputing the accuracy of their credit reporting on this account.…
Upstart, someone tried to get a personal loan didnt pay their debt and then they tried to blame me
In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.…
To Whom It May Concern, I am filing this complaint against Upstart XXXX XXXX XXXX regarding inaccurate, incomplete, and misleading credit reporting on my loan account XXXX. Upstart reported my account as 30 days late for the XX/XX/year> payment period. However, I had automatic payments set up and acted in good faith to make my payments. The issue was not caused by intentional nonpayment or refusal to pay. It appears to have involved payment processing, ACH/banking restrictions, and unclear or conflicting payment information. The main concern is that Upstarts own system sent me payment confirmations that reasonably led me to believe my payments were processed. On XX/XX/year>, Upstart emailed me stating that my automatic payment of {$60.00} had been processed from my XXXX XXXX XXXX XXXX checking account ending in XXXX. On XX/XX/year>, Upstart sent another confirmation stating that a payment of {$63.00} had been applied to my loan and that my card ending in XXXX had been debited.…
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.
I have paid all payments as agreed in the payment schedule through direct withdrawal along with all latest. My loan was scheduled to end on XX/XX/year> to satisfy a 60 month loan. However an additional payment of {$83.00} for acurred interest was added on XX/XX/year> and I paid it on XXXX XXXX. I made the installment payment of XXXX on XX/XX/year> but the summary showed a balance of XXXX but I paid XXXX which the last installment I'm now getting emails stating I owe a payment of XXXX for XXXX payment. For the last 3 months of loan, upstart has added additional fees of " accused interest '' and the principal balance has not been updated to reflex all payments. I demanded they release me from this loan as I have satisfied all payment made within the payment schedule.
I am filing a complaint regarding a personal loan issued through Upstart that i believe was obtained under fraudulent and coercive circumstances. I was the victim of a coordinated romance scam involving deception, psychological manipulation, and step-by-step instructions from an individual who induced me to take out this loan and immediately transfer the funds to third parties. These actions were not taken under normal or informed decision-making conditions. Although the transactions associated with this loan were technically authorized, that authorization occurred under fraudulent influence and coercion. I did not benefit from the loan funds in any way, as the full amount was transferred out under false pretenses as part of the scam. I provided Upstart with documentation including transaction records, communications, and evidence of the scam. Despite this, they determined that the loan is valid and continue to pursue collection as of XX/XX/XXXX.…
I am submitting a complaint regarding the handling of my Upstart installment loans and the reporting of a XXXX day delinquency for the XX/XX/year> payment cycle. Note : ( XXXX loans are included in this complaint and I pay them both at the same time ). On XX/XX/year>, I made a manual payment to satisfy my XXXX obligation and immediately enrolled in autopay with the expectation that my upcoming XX/XX/year> payment would be processed automatically. Based on this sequence, it was reasonable to expect that autopay would apply to the next upcoming payment cycle. At the time of enrollment in autopay on XX/XX/XXXX, I was not clearly or conspicuously informed that the XX/XX/XXXX payment would not be processed through autopay or that a separate manual payment would still be required for XXXX. No clear disclosure or warning was provided indicating that the upcoming XXXX payment would not be covered or would require separate manual action.…
HIS DEBT IS CONSIDERED A CHARGE OFF. HOWEVER, THIS ACTUALLY CONSIDERED INCOME BECAUSE I SHOULD HAVE RECEIVED AN 1099c IN ORDER TO COUNT THIS AS INCOME. THIS IS NOT A CHARGE OFF. IM REQUESTIONG THAT THIS IS REMOVED BECAUSE IT IS NOT DEBT. THIS IS CONSIDERED INCOME AND INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT. , UPSTART NETWORK INCXXXX,
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.
I lost my job unexpectedly, which caused a financial hardship and made it difficult for me to keep up with my loan payments. As soon as this happened, I submitted three hardship requests in an effort to find a solution and stay on track. Each of my requests was denied with the explanation that I had exceeded the allowable number of loan modifications. This did not take into account my current situation or my efforts to resolve the issue responsibly. As a result, my missed payments are now being reported to the credit bureaus, causing a significant drop in my credit score. I believe this is unfair given that I proactively reached out for assistance and tried to work with the company during a period of financial hardship.
I am writing to formally request that you cease all communication regarding the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me. Please be advised that I dispute the validity of the debt you are attempting to collect. I request that you provide me with verification of the debt as required by law. Until you provide such validation, please do not contact me further regarding this matter. Any attempts to collect on this debt, whether by phone, mail, or any other means, will be considered harassment and may result in legal action against your agency. Thank you for your attention to this matter. I expect no further communication from your office.
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.
To : Consumer Financial Protection Bureau ; Pennsylvania Office of Attorney General Bureau of Consumer Protection Date : XX/XX/XXXX From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Email : XXXX Re : Formal Complaint Against Upstart Network , Inc. Account No. XXXX Dear Sir or Madam, I am submitting this formal complaint and rebuttal regarding Upstart Network , Inc.s response to my dispute concerning the above-referenced account. Their position is inaccurate, legally deficient, and in violation of multiple federal bankruptcy protections and consumer protection laws. First, Upstart claims that this loan originated after my XX/XX/XXXX XXXX XXXX XXXX filing and was not included in my case. However, their own reporting reflects a Date Opened of XX/XX/XXXX, which falls squarely within the active period of my XXXX XXXX XXXX which remained in effect until discharge on XX/XX/XXXX. This is a critical discrepancy that directly contradicts their assertion.…
Complaint to CFPB Regarding Unauthorized Credit Inquiry / Access to Personal Information I am filing a complaint regarding what appears to be an unauthorized inquiry and possible improper access to my personal information by Upstart Network , Inc.. In reviewing my XXXX credit report, I noticed that Upstart Network , Inc. made an inquiry in XX/XX/2026. I did not knowingly authorize this company to obtain my credit report, access my personal information, or submit an application on my behalf. I am concerned that my information may have been accessed without my consent, or that my identity may have been used improperly. I am requesting a full investigation into this inquiry and the basis on which my credit report was accessed. I respectfully request the following : 1. Verification of the alleged authorization or permissible purpose used to access my credit report. 2. Copies of any application, consent form, electronic signature, or records tied to this inquiry. 3.…
Today, XX/XX/XXXX, at XXXXXXXX XXXX I received an " Urgent '' solicitation from XXXX XXXX claiming a balance of {$930.00}. However, my XXXX credit report shows the original creditor ( Upstart ) has already " Charged Off '' this amount and updated the balance to {$0.00} as of XX/XX/XXXX. There is a clear discrepancy between the two companies. One reports a charge-off while the other attempts to collect a full balance.have not been provided with a " Chain of Title '' or the original signed contract proving these companies have any legal right to report or collect on this account. Both companies are violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Upstart account opened without my knowledge. Requested to have it removed from my credit profile and information regarding this account be sent to my address. No correspondence sent by upstart network
I am submitting this complaint against Upstart Network , Inc. regarding a confirmed misrepresentation by their customer service team, my documented reliance on that misinformation, the resulting financial and legal harm, and the companys ongoing failure to provide a meaningful response or resolution. On XX/XX/year>, I contacted Upstart customer service to ask whether I would be able to sell my vehicle, given that my loan was secured by the car. The vehicle required repairs exceeding its total value, making a sale the most reasonable course of action. During that call, the Upstart representative explicitly confirmed that I would be able to sell the vehicle without issue. I relied on that representation in good faith. Had I been provided accurate information, I would have made different decisions regarding both the vehicle and my loan obligations.…
I am filing a complaint regarding a personal installment loan that was approved and reoriginated but never funded. Timeline : - XX/XX/year>XXXX : Loan approved - XX/XX/year>XXXX : Initial origination date - XXXX XXXX XXXX XXXX I received notifications that funds were not delivered. I contacted customer service and was instructed to submit a voided check. I submitted the voided check on XX/XX/XXXX. - XX/XX/year>XXXX : My bank account was verified, and the loan was reoriginated. I was informed that funds would be delivered within 13 business days. - XX/XX/year>XXXX : Funds were still not received. I contacted the company and a funding investigation was opened. - XX/XX/year>XXXX : I received a generic response again stating that the loan reoriginated on XX/XX/XXXX and to wait 13 business days. - As of XX/XX/year>XXXX : Funds have still not been disbursed.…
I recently requested my three annual credit report. I learned that Upstart has been reporting this account as charged off for several months. However, the credit report states account was sold to XXXX XXXX XXXX. Additionally, I disputed the discrepancy on my account and it came back verified by the CRA. I am currently demanding the methods of verification, since a debt collection agency has confirmed that they have purchased this account as of 2024. I received one letter by mail from Upstart requesting identifying information to locate my account. All of My ( 4 ) requests for additional information to show that they are in legal standing and to disclose accounting obligations have been ignored. Upstart continues to report a current balance due on a charged off account each month, that has been sold to a debt buyer. Upstart has breached any pre-existing contract by failure to follow their own consumer agreement.
Same thing happen to you?
Upload your evidence. We draft a formal complaint with citations in 10 minutes. CFPB legally forces a response in 15 days.