Credit bureau · complaint record
Upward Financial complaints
Filed under Upward Financial Inc.
Consumers have filed 21 complaints about Upward Financial since 2026, 21 of them in the last 12 months. It answered 100% on time and closed 38% with relief for the customer. The most common problem is incorrect information on your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 21
- Last 12 months
- 21
- Answered on time
- 100%
- Closed with relief
- 38%
- Last 30 days
- 0
- Rank
- #139 of 566
Since January 2026
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 6, 2026
Most complained-about credit bureaus & report companies
Upward Financial complaints by month
The busiest month was August 2026 (5 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Upward Financial answered all time
- Closed with non-monetary relief838.1%
- Closed with explanation1361.9%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Upward Financial complaints are about
Top Upward Financial problems
Inside "Incorrect information on your report"
- Information belongs to someone else 3
- Personal information incorrect 1
- Account status incorrect 1
- Account information incorrect 1
Where Upward Financial complaints come from
Most complaints: Florida (6), Pennsylvania (3), Texas (3), Virginia (1), Arkansas (1).
Upward Financial compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | Upward FinancialCredit reporting | - | 21 | - |
Compare side by side: Upward Financial vs Apple Financing · Upward Financial vs Nav Technologies · Upward Financial vs Opportunity Fund · Upward Financial vs Heritage Financial Group
What people say about Upward Financial
All experiencesNo experiences with Upward Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Upward Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 24, 2026 | Credit reporting | Incorrect information on your reportPersonal information incorrect | Explained |
| Aug 30, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 13, 2026 | Prepaid & gift cards | Problem with a purchase or transferCard company isn't resolving a dispute about a purchase or transfer | Explained |
| Aug 13, 2026 | Money transfers & apps | Unauthorized transactions or other transaction problem | Explained |
| Jul 31, 2026 | Money transfers & apps | Other service problem | Explained |
| Jul 30, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 19, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Fixed |
| Jun 23, 2026 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | Explained |
| Jun 22, 2026 | Credit cards | Closing your accountCompany closed your account | Explained |
Questions about Upward Financial
How many complaints does Upward Financial have?
Upward Financial has 21 complaints on record since January 2026, including 21 in the last 12 months and 0 in the last 30 days. That makes it number 1,049 of every company by complaints this year.
Does Upward Financial respond to complaints?
Yes. Upward Financial answered 100% of its complaints on time (within 15 days) and closed 38% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Upward Financial?
The most common problems are incorrect information on your report (6), getting a credit card (2), closing your account (2).
Is Upward Financial legit?
Upward Financial is a real company with a public complaint record: consumers have complained about it 21 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Upward Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Upward Financial?
Complain to Upward Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Upward Financial complaints come from?
Most come from Florida (6), Pennsylvania (3), Texas (3). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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