Upromise

While trying to start saving for my son's college fund, I was declined for their UPromise Credit Card due to "too few accounts" regardless of my 799 credit score that they acknowledged. I had wanted this card and account due to the ability to earn cash back rewards that go towards a linked 529 College Savigns Account. Additionally, I have no debt or late payments but was still declined. I am choosing to take my business elsewhere and have since closed out my account as I see no benefit without having the account's credit card. Very disappointed in their customer service and lack of good reasoning for decline.

Like others have mentioned, this company steals your money. Reputable financial companies allow you to restore access to your account via permanent identifiers, such as SSN. This company does not and will in fact delete your account with your money in it even when you provide all past email addresses, phone numbers and addresses to restore it. DO NOT trust your money and your child's future with this company. They're one step above 419 scams - if even that.

It is impossible to contact these people - they are suppose to transfer my money into my daughters 529 account every month. It has been a year and they have not moved my money over $1,400 - I have reached out to them through emails and they write back to me late night so I assume not in the USA telling me to try to link the account again. Then I don't hear from them for a day. So frustrating - I have filed a case with the CC Barclays Mastercard and I just filed a report with the CFPB. I hope to get my money back but whatever you do DO NOT USE UPROMISE. I feel scammed.

I've had the same problem. I have a Upromise MasterCard tied to my Upromise account, but I haven't been able to log into my account since before 2022. The last I knew, I had $173.60 in Upromise funds. The balance would be higher than that because I continued to use the credit card even after I couldn't log into my Upromise account. Because I couldn't log into my account, I had no way to redeem the funds. After many emails back & forth to Upromise tech support, they just quit responding. I think they just didn't want to pay out the rewards, and based on reviews I've read online, there are a lot of people in the same situation. I agree with others, there should be a class action lawsuit against Upromise. They block logins, which means they don't have to pay out rewards. I can't believe MasterCard has allowed this to happen!

Absolutely fascinating how upromise has mostly no issue with crediting me my one cent for grocery purchases and they tend to honor some of the online purchases that I make through their site as long as they're less than five dollars. Interestingly enough, they won't honor larger amounts. They recently had an offer of $200 if I opened a checking and savings account through SoFi Through the Upromise site, signed up for direct deposit, and made to direct deposits within 30 days of opening the account. I did all of that and provided proof. I reached out when it didn't show up in pending and they said oh gosh you know it takes some time for those to show up in pending, so I waited the allotted amount of time asked again and was told your request is being expedited. Then a week later I got a message saying sorry we can't verify that you actually did this. Even though I provided documentation exactly as they directed.

I was a delighted user of UPromise over twenty years. It was once a tight, sharp, relevant program. More recently, I still received cashback payments on time and began trying out their survey dashboard, where you could accumulate more funds at small scale, a dollar or fifty cents at a time. Fun if a little tedious.

One day I typed in my age for the survey screening and for some reason the digits reverted, so that as I pressed enter, the field said '1' instead of my age. A simple typo, could have gotten a warning to correct, but instead I was immediately suspended because "my data does not match my profile." From then on, I had to go through a humiliating identity recognition process involving state of the art AI camera techniques from my phone and a host of other dumbass things so I could retrieve access to an account I have used for 20 years. Even the so-called customer service rep I was "talking" to was AI. There were no human beings involved.

I gave up, and my account is closed. Luckily I only lost $10 because the account sweeps to my own savings account instead of a 529 tied to them. Good riddance.

They suddenly deactivated my account without any justification after I had earned a considerable amount of money in rewards. They were audacious to the point that they deactivated my account RIGHT BEFORE the due date for the transfer to be made. No response from their customer support either. This website/company is a scam and there should be a class action initiated against it, so it can no longer rid people of their time and potential cash opportunities which could otherwise be realized elsewhere. BEWARE!

Where to begin...UPromise is aptly named. You promise to follow the rules, purchase through their website, upload receipts, encourage family to contribute, link a 529 because who doesn't want to be a good parent and contribute to their kids college fund right? What we as customer expect in return is that they in turn will keep their promises to pay what they falsely advertise, care about our time and effort, invest in their reputation, and be a basic ethical company...FALSE! Linked a 529 and it took them 3 months to figure out their mistake before I finally got my money back. I have invested weeks of my time (8 hour shifts) correcting their mistakes. Their app NEVER works, they offer zero customer service, zero tech support, they fail to keep promises, you can't talk to anyone, and they put you through olympic hurdle tryouts just to get pennies...but it's the point behind it. If you put in writing that you will give $4 for 2 Garnier plus $2 for a star purchase than do it! If you make a mistake do it the first time I ask, don't make it impossible to send pics of proof, don't ignore me making me submit 6 tickets, and then have the nerve to say the receipt wasn't read right by your vendor so according to terms and conditions you're under no obligation to fulfill your promise! We learn before we are 5 to keep our word! You claim to be pro-family but you're just a scam. Shame on you!

I took out a Upromise card many many years ago and set up a 529 college account. We linked the 2 so cash back from the credit card went into the 529 account. We were able to get the 529 money to the universities where our kids attended (needed help from the 529 people but they were kind and helpful).
Barclays Bank bought the UPromise credit cards. NOW upromise and upromise.com are worthless. I wanted to close out my 529 account (successful) and UNLINK it from this credit card. But Upromise.com will not let me log in -- THERE IS NO UPROMISE CUSTOMER SERVICE ANY LONGER. No phone number and help emails say they will get back to you in 30 DAYS!
I spoke to Barclays and they cannot unlink the card and the 529 account. Going to have to cancel this credit card -- no choice since Upromise is no longer alive and well.
Dissapointing and disappointed.
Barclay's said I wasn't the only one calling to complain about this -- I also was not the only one to cancel my Barclay's card because of Upromise.

They took my money. I had an account and they say they have no record of it. Because of that, I have no access to that money as they claim it doesn't exist.

We set up an account when our daughter was 1 year old. She is 19 and going to college this fall. We started inquiring about all the savings we had accumulated during this time for college. Well, no one seems to know anything about it now...nothing!

To be clear,there are things that Promise does well and there things the site does poorly. It_should_ enable the user to earn rewards from various activities (shopping,applying for credit cards, opening accounts) and when a $50 total is reached, transfer that out to a 529.

In practice, the rewards aren't always recorded correctly. We applied through the Upromise website for a UPromise credit card. The site transferred me to Barclays bank's site to finish setting up the card. Guess what,Upromise still prompts me to apply for the card and no reward has been given for having done so. That's piss-poor technology and there's not a way to contact someone to rectify the issue.

From this experience I don't have high hopes that the rest of my transactions will be recognized. That's disappointing because the potential for this site is very good. But I suppose I should be wary of getting something for nothing.

Horrible website issues, no live customer service. Do not go near this company. Unable to retrieve money in account.

They have deactivated my account twice. No reasons concerned as signing up gained a lot of info. Its looking more like a fraudulent company.

Have had a Upromise MC since 2005 and being young thought this was a good idea to save for my newborn's college. Now I am trying to claim my cash back/rewards. Linked my bank account...did everything... Any and all phone numbers are recordings that loop and hang-up on you. You will never speak to a human being. help.upromise.com (where the phone call sends you) sends you to their joke of a website - where there is no place to submit a question. An now my account has been frozen and I cannot log into it...

I have called Barclays as well - they cannot seem to get into contact with Upromise either, nor can anyone even tell me what my balance is - only the past year. I was told to go back through all my statements and add it up...If I could access the statements - I would. One would think the sum of your reward points would actually be on your statement.

Find someplace else to save for your child's education. It's a racket.

It's over 90 days and never received my rewards numerous attempts to resolve and no one knows anything the phone numbers are useless no one answers

You have been warned. Never again will I ever use this UPromise entity. Since October 5 2022 have been attempting to close my account and transfer the few remaining dollars to my linked bank checking account. In mid-November 2022 they confirmed all was set but as of today (January 4) the funds have not been transferred to me (as of February 13,2023). This follows several emails to customer service, i.e. December 21, November 21. The 800-customer service number is of no value. The recording lists website names. The option to select 0 for operator assistance is given but then you are told several times it is not valid. Just wanted people to be aware. Unfortunately I cannot give a rating lower than a 1 Star.

I tried to get my rewards money so called customer service phone on back of the master card. They said they do are not handle the rewards and gave me the number *******309) to call. I called the number and according the option I select '0' but it told me that is a 'invalid entry'. I tried several times and different days, the same result. I see there is request online so I emailed to them and the replied email let me call another number, I called again and the lady told me that she just deal 529 plan and let me wait, then finally hung up me.

My advise --Do not touch any Promise product since you are NOT to get any service!

I am unable to sign into my UPromise account that I held for decades. UPromise customer service claims they cannot find the account. They indicated that it may have been deactivated due to inactivity. They said my money would have gone to state treasury. My money is not there. I lost about $1800 in credits.

Had enough to transfer but delayed the 529 creation. FINALLY they said they will just allow checking accts. But suddenly they say all my money was moved to a 529! REALLY? Because I dont have one! I have written endless tickets, no response. NO PHONE CONTACT. Such a horrible company