Upromise

March 1,2019

If you're considering partner up with Upromise credit card, you should read my review:

I was unaware I have a statement with Upromise Credit Card for Uber on October 28,2017, for $7.17. I did not receive a statement in my email or in the mail about this the amount or aware that I have a statement with Upromise/ Brclybankde credit card. The only reason how I would find out about this statement is through my Chase Credit Check that I am now currently partnering up with. I spent two hours on the phone, with 5 different representatives, got pass through 3 or 4 different departments tried to get this settle on February 28,2019. Talked to all the representatives about 30 minutes of those two hours and was on hold for about one hour and thirty minutes. By 6 PM the department that I was supposed to, the claim department, is now closed and Upromise asked me to call back tomorrow. I also spent another hour today (March 1,2018), talking to Anna, one of the supervisors, with the employee number ******* and she has told me to write in a dispute with the Credit Bureau because her hands were tied to Brclybankde regulations. This $7.17 has now accumulated to about $215 because of all of the late fees. Since I was unaware of the statement or known about it in the first place and has to go to one of Upromise competitors credit check to find out that I have a negative balance, I am refused to pay the accumulated late fees that I have on my statement. Upromise has close this credit card because of "Derogatory," I'm shocked how Upromise business operate by this because there was no contact from Upromise and me getting trying this settle. Because of this problem my credit score has been very bad from a statement I was unaware of. Now, I don't have the card in my possession anymore.

Upromise had messed up my credit score because they fail to tell me about the negative balance. I receive zero communication from Upromise from which they claim they have tried to contact me with zero proves. If you're looking for a better business operation I would say go somewhere off, save yourself the time and headache.

Upromise changed their program & I haven't been getting any rewards for my grandchildren. I used to receive a lot of rewards in the past. I registered all my credit cards & when I shopped in certain stores or bought certain products I would receive rewards.

They changed the program & I didn't even know it. Now you get NO credit when you shop in the stores & if you shop online you HAVE to go through their website not directly through the store's website. I haven't received rewards for the last few years because of this change.

I have used upromise for many years and used it for my youngest college fund and was very happy. So happy that when she graduated in 2013 I transferred my earnings to my grandchildren. The new program required that a savings account be set up if there wasn't a 529 which they did not have. My daughter set up the savings account and I linked to it. She requested her upromise account worth Xnumber of dollars be transferred to the savings account, which it has not been. The website said I had a transfer that took place in December which has not shown up in the savings account. I tried to join the forum page but it would not recognize my email address which is linked to the account. Took me awhile to find a phone number as the new web page does not provide that information. I called and spoke to a representative who verified me thru my email which I told him the forum page would not; interesting. The representative did try to help me in the beginning but the transfer page search by date range was not working on my end; kept defaulting back to from 12/2018 to 12/2018. He kept saying his end worked fine indicating operator error. I expressed my disappointment in the new website and concern about future transfers being made. I primarily only shop where I can get upromise funds for my grandchildren. Not a happy user at this time.

Would you believe I've had an account with them for 17 years! I had forgotten about it. After 17 years, I accumulated a grand total of $9.81. I guess some of my shopper cards got unlinked.
OK, so little beer money is ok. I tried to cash it out, but the minimum about to cash out on the website is $10.00 dollars. So, it won't let me since I'm. 19 cents short (after 17 years)
I shoot them a quick customer service request to please send me the check for $9.81.
Denied!
What a bunch of arseholes. So now, I have to link cards and try to earn another 19 cents in a few months? They really could have helped out a customer and sent me the check.

I ofter use upromise.com to book hotels. I know they are not reliable but they do offer much higher percentage of cash back so I always decide to take a risk. I always write everything down, confirmation #, date, which computer I used to make reservation, even the ip address of the computer. Then I had to fight with urpmise.com one by one. Sometimes I won, sometime I didn't. Now I am thinking that is too much work. I'll use other cash back sites from now on.

To continue from the title of my review... they would be 4-5 stars if they actually tracked and deposited all the cash back we have earned without us having to track everything like the FBI. For sites like Ace Hardware, 800flowers, Walmart, the cash back deposits are never a problem. For travel sites including Marriott, Hotwire, and other consumer sites including SportsmansGuide, they NEVER have deposited the cash back unless I wait the allotted 30-90 day waiting period and then contact Upromise. They then take a minimum of 30-60 days to respond, and when they have deposited, they don't use the same order number or tracking so that we can verify which purchases have been deposited and which are missing. It is a huge headache that has us wondering why we spend the time, effort, and energy to get the cash back.

Apparently the online merchant can just decide that you don't qualify for cash back even when you follow all of their rules (clicking through their link, staying on that tab ect.). Customer service literally takes 3 months (won't do anything for the first 2 months if cash back isn't awarded, then they take another 30 days to research your report). What a scam. Ebates is the only way to go for a cash back site. I am closing my account.

I started using Upromise since 2011 after I applied for a Upromise credit card. For the marjority part of it Upromise offers the highest cash back rebate % (5% + 5% when paid with a Upromise cr card) unless other similar cash back sites have special promo. Every now and then Upromise would have special promo for Tuesday, where you get 10% cash back instead of the normal 5% on certain stores, that's a total of 15% cash back!

My experience with Upromise has been good so far. However, I always make sure that I am login to my Upromise account right before I place my order with any particular site because I noticed that after awhile if you idled for too long and didn't submit your order you will be logout from your Upromise account. I am not sure if this would affect how Upromise keeps track of your purchases, perhaps that's why some people didn't get their rebates. Anyway this is just my personal experience and opinion.

Upromise is a rebate website. They have stores you shop from and you: get a percentage payback of what you spend. For example: Store A offers 5% payback, you get 5 dollars. AND if you open their credit card (mastercard) you most of the time receive another 5% payback. Easy math... 10 dollars payback. Small purchases add up. They offer ways to save for college with savings accounts that you can have them automatically transfer your paybacks to and earn interest. It is fun and they come through for you.

First, I couldn't get my account linked up properly and my mother's repeated attempts to transfer money to me were lost. I am no idiot when it comes to this sort of thins. Crappy website. After a while, I gave up. 5 years later, they notify me that I have money in the account that will be forfeited if I do not claim it. So I claim it and sit on the phone with a rep to make sure it goes straight to my student loans. Three months later, the auto-sweep still hasn't put anything into my loans. I opened a ticket that was supposed to have a two day response and after 2 weeks, there is not a peep from them. When I call, they just tell me to wait for the 3rd week of the month. They refuse to offer any insight as to what the problem is. They say the ticket has been escalated, but not to whom. And all they can tell me is that they will call when they have an answer. NO estimate on when that may be. They are holding nearly $1000 of mine hostage. Highly suspicious. Also, none of the cards I registered with them have EVER logged any rewards. This whole thing just smacks of a scam. When you call, they want your full name, address and a personal security response. Not good.

I have been a member of Upromise since August 2006. My credit cards are registered with them, as well as my grocery cards. The majority of my shopping for non-food items is online. I always check Upromise before making a purchase. I have only earned a little more than $200 in the past eight years. I would say that at least 50 percent of the time I do not receive credit for my purchases. Somehow there is no record of me accessing partner sites through Upromise.

For the most part I'm happy with Upromise. It's a nice way to earn free cash back, even when you are redeeming a deal or coupon on the merchant site. You have to get used to it at first. Finding where to register your credit cards on the site isn't all that intuitive.
In my opinion Ebates is an easier experience, but I still like Upromise. If you link it to direct deposit into your SallieMae savings account they also provide a 10% annual match bonus.

Have used the company for years, first few cashouts were easy. As time progressed it became harder and harder. The second to last time I tried to cash out they used the excuse that the sponsor had not paid them the funds... (although the funds were showing as pending) so they couldn't pay me. If you never got it, then the sum shouldn't be showing in the first place.

My latest cashout is still showing as pending, so I wrote them and mentioned in the letter that if they find that the sponsor has not paid them after the amount of months that it's been pending, perhaps they should contact them as they are their affiliates. I stated communication between they and their sponsors, as well as my self, is key. And so is good customer service.

I got a reply email stating that it will be three more weeks before the pending funds will be available. Lolz, I'll bite. But I replied back that the amount of time quoted to me upon cashout differed from that which they replied back w/. I suggest they confer w/ their affiliate to reach an agreeable time frame to quote to user upon cashing out as this would cut down on confusion.

People, I'm not stupid. It's all a racket, they get paid for hooking you up w/ their advertisers, for shopping through their website or at physical stores they have agreements with. These affiliates give you the consumer cash back, after overcharging you, for doing business w/ them. Upromise collects the money. Holds it in an acct as long as they can, while collecting interest on it. You decide you want to cash out, but they don't want to let go because they want to continue getting as much interest as possible. So they give you the runaround. It's almost as bad as a ponzi scheme, and it gets worse as the economy gets worse. These companies are scrambling to stay afloat. They refuse to realize that people can't keep getting big pay packets and bonus as before. Greed is an ugly thing.

But I want my funds. So I'll play around w/ them a bit longer. Then I'll be contacting them again. I'd like to be able to get some interest from my cashout too. They had their turn, now I want mine.

BROKEN " UPROMISE" - Don't fall for the "promise" on Upromise web site for Reduced energy bills if you switch your energy supplier to Energy Plus Holdings. My bill went up $125 from what it would have been with my previous supplier. Then, when I went to cancel, I was told I had to wait through another billing cycle, so this "Promise" may cost me a few hundred dollars by the time I switch back!

Do your research, don't believe the misleading statements on Upromise. Better check out their other "deals" before you sign up too! Neither company would help me in any way.