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Check Your Eligibility

Upstart Network

If you visited Upstart’s website or app to apply for a loan within the past two years, your personal information may have been shared with third parties without your knowledge, and you may be eligible to take legal action.
See If You May Qualify
What happened?

Some customers allege that Upstart embedded tracking technologies in its loan application platform that transmitted users’ personal information in real time to third-party companies without the users consent. The claims allege that Upstart violated users’ privacy rights.

How We May Help

Class Action U is here to help you understand your rights and get you in touch with a skilled attorney who can guide you through the legal process.

What You Can Do

Some customers allege that Upstart transmitted their personal information to unannounced third parties through hidden tracking technologies embedded in Upstart’s loan application flow. When applying for a personal loan, debt consolidation loan, or other credit product through Upstart’s website or mobile app, some customers claim their data, including income, employment history, address, and Social Security information, was shared with companies like TikTok and Google without their knowledge or consent. The claims allege this was a violation of privacy laws and consumer protection regulations.

If you believe you may qualify, you may be eligible to pursue compensation. Eligibility requirements include:

  • Age Requirement: You are 18 years or older.
  • Upstart User: Within the past two years, you visited Upstart’s website, mobile app, or online application flow and entered personal information into the loan application.
  • Information Provided: You entered at least some of the following information: contact information, income information, employment information, address, date of birth, or Social Security number (last four digits or full number).

If you believe you have been impacted, here’s what you can do:

  • Submit Documentation: Gather any documents or records showing that you used or accessed an Upstart loan application. This may include confirmation emails, loan offers, screenshots, account records, or proof that you provided your personal or financial information during the process.
  • Account Information: Have your contact information and state of residence ready, along with details about what type of loan you were exploring (personal loan, debt consolidation, auto refinance, etc.) and approximately when you used Upstart.
  • Complete the Form: If you believe you qualify, complete the form and submit any supporting documents to learn if you may qualify to pursue compensation through an arbitration claim.
See If You May Qualify
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Frequently Asked Questions

You may qualify if you used the company’s product or service during the time period when the issue affecting other consumers occurred, agreed to the company’s terms of service (which include a mandatory arbitration clause), and experienced the same problem affecting the larger group.

To confirm your eligibility, gather proof of use, such as receipts, account statements, or confirmation emails and complete the intake form to work with our attorneys.

Compensation varies based on your individual damages; there’s no flat payout amount. Settlement amounts are awarded based on each person’s specific circumstances, which often leads to higher individual payouts compared to class action lawsuits where a single settlement fund is divided equally among many participants. Once settled, arbitration decisions are legally binding, meaning the company must pay your full settlement amount.

The mass arbitration process starts with intake and evidence gathering, followed by sending a Notice of Dispute to the company. Once the filing deadline passes, claims are officially filed and a Process Arbitrator is appointed to manage administrative matters. The parties then enter a global mediation phase to negotiate settlement within 120 days. If claims don’t settle, select cases move to a bellwether phase where an arbitrator rules on representative test cases. Finally, after settlement or individual awards are made, claimants receive their compensation payouts.

Nothing. In most cases handled by our partner firms, consumers pay $0 out of pocket to start their claim. Your attorneys will cover any filing fees as part of their contingency arrangement, and the company is required to pay the arbitrator’s fees and most administrative costs. For people with legitimate claims, there is virtually no financial risk in joining a mass arbitration.

A mass arbitration typically takes about 8 to 18 months to resolve, which is significantly shorter than a federal court lawsuit that averages 31 months. The timeline includes intake and evidence gathering (30-90 days), notice of dispute (30-60 days), a mandatory global mediation period within 120 days, and potentially a bellwether phase (6-12 months) if the case doesn’t settle earlier.

Mass arbitration involves filing many individual claims against the same company that are coordinated together, with each claim remaining separate and potentially resulting in individual settlements.

Class actions consolidate all claims into a single lawsuit resolved by a court.

Key differences include:

  1. Speed: arbitration is typically faster
  2. Control: Arbitration gives individuals more control over their claim
  3. Privacy: mass arbitration is confidential while class actions are public record.

No, mass arbitration takes place outside of court through a private arbitration process. Most hearings can be held virtually via telephone or videoconference, depending on the claim amount and circumstances.

Once the company settles, individual payments are distributed to claimants based on their specific damages. Rather than dividing one settlement fund equally like a class action, each person receives compensation calculated according to their unique circumstances and the extent of their harm. The settlement is legally binding, meaning the company must pay all awarded amounts. This individualized approach often results in higher payouts per person compared to class action settlements.