|
11589782
|
2025-01-20
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-01-20
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-20
|
|
|
11554166
|
2025-01-15
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-15
|
|
|
11522532
|
2025-01-14
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-14
|
|
|
11713233
|
2025-01-24
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-24
|
|
|
11456400
|
2025-01-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-09
|
|
|
11402680
|
2025-01-06
|
Incorrect information on your report
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Personal line of credit
|
| Date Received |
2025-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-23
|
|
|
11131855
|
2024-12-12
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-12
|
|
|
11028515
|
2024-12-05
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-05
|
| Complaint What Happened |
UPLIFT REINSERTED THE ACCOUNT ON MY XXXX REPORT IN XXXX, NO LATE PAYMENT NOR ACCOUNT VERIFICATIONS WERE PROVIDED TO ME REGARDING DELINQUENCIES AT ALL!!!
IWANT THIS REMOVED IN ADDITION THEY ARE NO LONGER UPLIFT BUT FLEX PAY!! THIS ACCOUNT WAS PAID BEFORE IT WAS CHARGED OFF, I CALLED THE WEEK OF XX/XX/year> after I paid of the amount that was charged off and the representative said he was able to reserve the charge off status. I WANT THIS GONE NOW!!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
11342195
|
2025-01-01
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-01
|
|
|
11185375
|
2024-12-17
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-17
|
|
|
11131858
|
2024-12-12
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-12
|
|
|
11240181
|
2024-12-22
|
Trouble using your card
|
Credit card
|
|
| Issue |
Trouble using your card
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit card
|
| Sub Issue |
Can't use card to make purchases
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-12-22
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-22
|
|
|
11163975
|
2024-12-15
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-15
|
|
|
11152380
|
2024-12-13
|
Problem with additional add-on products or services
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem with additional add-on products or services
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2024-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-13
|
|
|
11343201
|
2025-01-01
|
Problem with additional add-on products or services
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem with additional add-on products or services
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2025-01-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-01
|
|
|
10487682
|
2024-10-17
|
Problem when making payments
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2024-10-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-17
|
| Complaint What Happened |
I, XXXX XXXX, submit this formal complaint regarding Upgrade 's refusal to properly credit my personal loan account after the tender of payment was accepted. In accordance with the Uniform Commercial Code ( UCC ) 3-603 ( b ), a payment made via a negotiable instrument, such as a bill of exchange, once accepted by the creditor, constitutes full satisfaction of the debt.
I sent three separate letters, accompanied by tender of payment, in compliance with federal law. Upgrade accepted these payments but has refused to credit the account balance or discharge the debt. This behavior constitutes a breach of contract, a violation of fiduciary duty, and a fraudulent practice under federal law, including the Truth in Lending Act ( TILA ) and the Securities Act of 1933.
Supporting case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, establishes that once a negotiable instrument is accepted as payment, the debt must be discharged, and failure to do so is a breach of fiduciary duty and contract. Moreover, Upgrade has violated my rights under 31 U.S. Code 5118 ( b ) by failing to honor the legal tender provided for the satisfaction of the loan.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11110805
|
2024-12-11
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6597428
|
2023-02-21
|
Incorrect information on your report
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Personal line of credit
|
| Date Received |
2023-02-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-21
|
| Complaint What Happened |
XX/XX/XXXX I called Upgrade regarding incorrect information being placed on my credit report. XX/XX/XXXX, Upgrade reported that I was late/missed 4 payments. Everyone I spoke to at Upgrade agreed my account payment history did not reflect 4 late/missed. On XX/XX/XXXX XXXX ( supervisor ) advised he would submit the correction to the credit reporting agencies. XXXX also agreed to send something reflecting the correction that is being requested. I called later that same day to confirm Upgrade was taking action to correct the mistake. My mortgage broker advised a letter stating that would improve my mortgage rates, as the 4 late/missed payments reports affected my credit score. After receiving a balance letter from one of my other creditors, I called Upgrade for the status of my request with them. I have never been treated so poorly by a company I am paying to do business with. on XX/XX/XXXX I was advised by an Upgrade employee that although they maintain my payment records and they report Upgrade sends my account data to the credit agencies, there is nothing they can do. I must wait up to 60 days for the information to be updated. I was refused a manager/supervisor and hung up on. Upgrade declined to send a payment letter. Upgrade told me that this info could be found online or in the app. The app does not reflect the 4 late/missed payments. Everyone I spoke to agrees, so why do I have to wait 60 days? I have to put my home purchase plans on hold for a mistake, not one made by me, one caused by Upgrade. I still feel like I am being punished for pointing out the previous system error on my account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6717542
|
2023-03-20
|
Closing your account
|
Credit card or prepaid card
|
|
| Tags |
Servicemember
|
| Issue |
Closing your account
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Can't close your account
|
| Sub Product |
Store credit card
|
| Date Received |
2023-03-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-20
|
| Complaint What Happened |
Previous Complaint XXXX Upgrade stated they closed my account. It shows that on the credit report but when looking at the account online on the upgrade site it shows that they have been billing me since XX/XX/2021. I have asked prior to having paper statements but nothing was sent to me. The account is showing online with a {$2000.00} credit line. The letter dated on the previous complaint shows that Upgrade stated in writing that the account was closed. Upgrade refuses and will not close the account. I have asked in writing and with CFPB and phone calls and emails. I need assistance in getting this closed. On loan XXXX I have been paying over the amount due. Now Upgrade is reporting missing payments. Upgrade after being notified several times that I want paper communication has sent me nothing. No warnings no bills no statements.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6391067
|
2023-01-03
|
Advertising and marketing, including promotional offers
|
Credit card or prepaid card
|
|
| Issue |
Advertising and marketing, including promotional offers
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Didn't receive advertised or promotional terms
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-03
|
| Complaint What Happened |
I am writing about an Upgrade credit card which I was approved for back on XX/XX/22 for {$5000.00}. I had received several advertisements email and letter byl mail for over 2 years. I finally went to the website and filled out the pre-approval for the {$5000.00} credit line. I was approved and Upgrade sent the card out via mail. When I recieved the card and registered it over the phone it was set up and active. I did not use the card and had no payments due. Within the same month of receiving the card before I could even use the card Upgrade redued my {$5000.00} down to {$500.00} for no reason.
I did not use the card and did not owe a payment they advised me it was due to my other credit card usage. I called and talked with a Supervisor that said it was due to my other credit card usage which had not changed. I asked the supervisor if they receive a lot of calls about reducing new card members credit limits and he said that Yes, it was a common call that came through. This tell me that this is a common practice which falls under a bait and switch practice.
This is also misleading and it reduced by credit score by being approved having a {$5000.00} limit go on my credit that the next month was reduced to {$500.00}. I work for The XXXX XXXX Bank as a Vice President in sales and this practice of false advertisement is illegal and it caused my credit to be negatively effected. I was trying to obtain a loan for personal resasons which was effected by the fico score reduction. I want to pursue actions against this action and Upgrade for credit and personal damages.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6082474
|
2022-10-13
|
Problem with a purchase shown on your statement
|
Credit card or prepaid card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Card was charged for something you did not purchase with the card
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2022-10-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-13
|
| Complaint What Happened |
XXXX XXXX. Written statement describing the situation that led to your dispute.
Answer to my best of my knowledge I was attempting to make a purchase on around XX/XX/XXXX or XXXX which at that moment I noticed card was missing or lost. After realizing my card was lost or misplaced, around XX/XX/XXXX, my self and my girlfriend tried to find the missing or lost card with out success we tried calling customer service number registered on my phone directory. However my location out of the country connection problems. I was not able to complete the call.
Company Questions A copy of the police report which sustains your claim.
Answer I don't have XXXX!
Question ; Would like to have a complete police report which includes the following details : Answer to my best of my knowledge I am personally providing information via this method and I have call customer service on XX/XX/XXXX of 2022 Question ; Circumstances surrounding the lost card - complete narrative.
Answer to my best of my knowledge. I have provided this information via telephone call with my girlfriend and myself after succefuly contacting customer service department on XX/XX/XXXX. my girlfriend spoke to customer service department and they succefuly got her a translator she was able to give details information about the lost card so was I eventhoug my condition was fragile at that moment while on the phone this information was giving on great detail Note : On thursday XX/XX/XXXX my XXXX was calling she was told several times " No Spanish '' In XXXX occasion on Thursday XX/XX/XXXX they place place her on hold the call got disconnected.
Question Company When the card was discovered missing.
Answer to the best of my knowledge On around XX/XX/XXXX or XXXX of XXXX of 2022.
Company Question Unauthorized transactions that took place.
Answer to the best of my knowledge After reading information you have provided the following dates are listed XX/XX/XXXX ( XXXX times ) and XX/XX/XXXX ( XXXX times ) Answer Those are Unauthorized transactions.
Company Question Are you willing to prosecute Answer Yes.
Note : My girlfriend Human Rights Act were violented language she was humiliation due to her barrier of XXXX limitation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6067954
|
2022-10-11
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-10-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-11
|
| Complaint What Happened |
In XXXX of 2022, we received a FRAUD ALERT FROM XXXX XXXX XXXX concerning IDENTITY THEFT involving XXXX UPGRADE in the amount of {$5500.00}.
We immediately telephoned XXXX UPGRADE to dispute the FRAUD and notify them of the IDENTITY THEFT. During a long call with their representative, XXXX, we were told that the account had not been funded and he still had time to cancel it due to the IDENTITY THEFT and FRAUD. XXXX exact words were The good thing is it hasnt been used yet. ( It was ) set up on the XXXX ( of XXXX ).
He also told us that XXXX UPGRADE had sent a promotional mailer to our old address at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX and that it had been completed, signed and mailed back with a forged signature. He also stated that my personal financial information was included in that application.
My personal financial information could have only been provided to the new tenants by our former property manager, XXXX XXXX of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX or ILLEGALLY obtained by XXXX XXXX XXXX ( the new occupant at our old address ) through XXXX XXXX XXXX XXXX where she is also employed.
XXXX told us that he would send us a copy of the fraudulent application, yet after 5 months, he has still failed to do so. Instead of doing what he promised, he did send us an electronic version of the FRAUDULENT APPLICATION which stated that the purpose of the loan was home improvements. This would be impossible for us as we rent our home and DO NOT OWN ANY HOME. On the bottom of that electronic copy is the statement XXXX XXXX XXXX The customers date of birth or ID data did not match XXXX data yet they processed the fraudulent loan anyway. So much for due diligence on the part of this negligent company, XXXX Upgrade.
XXXX also asked us to file a police report with our local sheriff, file an FTC IDENTITY THEFT report and provide XXXX Upgrade with copies of those along with a copy of my Florida Driver License which we did via U.S. Mail.
While we had this discussion with XXXX at XXXX Upgrade 5 months ago and we provided every bit of documentation requested, XXXX Upgrade went ahead and funded that FRAUDULENT LOAN to the IDENTITY THIEVES anyway.
This FRAUDULENT ACCOUNT and XXXX Upgrades FRAUDULENT REPORTING of it to XXXX, XXXX and XXXX have cause my credit scores to drop with each bureau anywhere from 100 to 150 points each and these scores continue to plummet due solely to XXXX Upgrades NEGLIGENCE.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5646905
|
2022-06-08
|
Incorrect information on your report
|
Credit card or prepaid card
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2022-06-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-08
|
| Complaint What Happened |
on approximately XX/XX/2021 account begining with XXXX was reported on my account unaware at the time that said account was displayed on my report aprroximately XXXX oXXXX XXXX i received a letter from my bank that my information was leaked due to a data breach and need to review my credit report i thus began to review information that wasnt mine i then went for months and now years trying to reach this company left numberous voice mails, letters and emails and never have i recieved a response or any help i have submitted paperwork from the FTC XXXX police department and my lawyer and still no response i am fed up and XXXX stressed out my family has suffered due to this company negligence other companies have worked with me and were very helpful how come this company ignores my every requested please help!
|
| Consumer Consent Provided |
Consent provided
|
|
|
10933601
|
2024-11-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2024-11-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10839290
|
2024-11-19
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Savings account
|
| Date Received |
2024-11-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-19
|
| Complaint What Happened |
I demanded that my accounts be suspended within the next XXXX hrs, at the very latest.
And my funds are available to be withdrawn at my description.
My Checking and Savings accounts with Upgrade.com ( through XXXX XXXX ) got suspended yesterday when I tried to initiate a transfer ( withdrawal ) from my newly opened account at XXXX XXXX.
XXXX XXXX attempted to withdraw XXXX from my Upgrade savings account, at my request. However, the withdrawal was rejected by Upgrade. Then, I proceeded to log in to my Upgrade account and attempted to add a new External account, the newly opened XXXX account, in order to send the money directly from Upgrade to XXXX. That's when my Upgrade accounts get suspended.
" Your XXXX XXXX account ending XXXX account has been suspended due to unexpected activity. AND- Your Rewards Checking account ending XXXX account has been suspended due to unexpected activity. " While I appreciate Upgrade ensuring this was not a fraud attempt by an unauthorized party, I have contacted their Customer Service twice and already provided all the supporting documentation needed to substantiate that I, the sole account owner, acting in my full capacity, initiated the requested to move out XXXX from my Upgrade Savings Account to a my new XXXX account.
In addition, I demanded that my accounts be reactivated and my funds available within the next XXXX hrs, at the very latest. Otherwise, I'd have to choose but to reach out to every banking regulatory body I can. Including and not limited to the CFPB.
I'm looking forward to an expedited resolution, even before the next XXXX. I have provided you all the information to substantiate the legitimacy of the transactions that led to the accounts being suspended.
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| Consumer Consent Provided |
Consent provided
|
|
|
5297602
|
2022-03-08
|
Incorrect information on your report
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Installment loan
|
| Date Received |
2022-03-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-23
|
| Complaint What Happened |
Upgrade claims to report to all major credit bureaus in a timely manner but I have had recurring issues where they claim to be reporting but there seems to be an issue or error with the way they are reporting since it does not update on my credit files with XXXX, XXXX or XXXX. Each time I have had to call to bring the issue to there attention and I have been told they have reported but after waiting and rechecking it is not so. Today XX/XX/XXXX I reached out to XXXX and they clearly indicated that once new info is provided to them they update same day or at the latest within a couple days of info being received but they had not received an update from upgrade as they claimed at all in the month of XXXX. I called upgrade once again after speaking to experian to give them another chance to try to correct the most recent balance and payment history issue and after speaking to a member of there leadership team as they refer to it, I was told they would not take my word for it and that they would conduct a review of there own reporting and if they found an error then and only then would they send a credit correction for my account. The rep refused to provide more identifying information when I requested for his info and only provided XXXX as his first name and after asking for his employee iD or any other info he refused. I know these calls are recorded and should be reviewed since rep was evasive and condescending when I asked for a fair solution of having them please re-report or correct my credit file and also conduct a review to avoid this issue from continuing to happen to any other clients. All other creditors report on a monthly basis and similar creditors who report on the last day of the month like Upgrade reflect updates in a timely manner within days of there reporting. All I ask is that my loan be updated on a timely basis to the credit bureaus. If you claim to be reporting at the end of each month but the client has to call each month to address non-reporting then there is obviously an issue somewhere. Please address and correct this issue so info regarding my loan is reported accurately and timely to the credit bureaus since this affects my credit and finances and may be affecting other clients as well.
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| Consumer Consent Provided |
Consent provided
|
|
|
10257169
|
2024-09-26
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11131988
|
2024-12-12
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-12
|
|
|
10878306
|
2024-11-19
|
Closing your account
|
Credit card
|
|
| Issue |
Closing your account
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit card
|
| Sub Issue |
Company closed your account
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-11-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-19
|
| Complaint What Happened |
I accessed my account via the online app for the Upgrade Visa card. There was a link available to update my address to receive a new card. This link, however, did not work. So I contacted customer service and was told my account was permanently suspended due to a delinquent payment if not on this particular account then another account listed on my consumer report. I checked XXXX, XXXX, and XXXX and found no delinquent or missed payments. However, my XXXX score was dropped 75 points from XXXX to XXXX. This happened after I decided on XX/XX/year> to consolidate specific bills and transferred to Upgrade Visa {$4500.00} from my XXXX XXXX XXXX XXXX card paying around 90 % of what was actually due. This left me with a remaining balance of {$370.00}. I believe the penalty to my consumer report was retaliatory in nature due to the reduction of interest payments over a longer period of time.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10838947
|
2024-11-19
|
Getting a line of credit
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Getting a line of credit
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2024-11-19
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-19
|
| Complaint What Happened |
Upgrade , Inc. has unjustly restricted access to my personal line of credit, despite my repeated attempts to address the matter in good faith. Over the past 60 days, I have submitted three written notices and emails, asserting my rights, titles, and interests under applicable law, and provided my Durable Power of Attorney ( DPOA ). I also amended the existing contract, revoking all previous agreements, and made necessary changes that align with my rights under federal and state law. Upgrade has failed to respond, violating my rights to redress and breaching their contractual obligations.
Details of the Issue Restriction of My Credit Line : Without justification or proper notice, Upgrade suspended my line of credit, denying me the ability to use my account. This restriction violates my constitutional right to contract and redress, and breaches the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), which mandates accurate reporting and proper notification of adverse actions.
Non-Compliance with Contract Law : Upon submission of my amended contract with accompanying legal documentation, including DPOA, Upgrade had a duty to address the changes and notify me of acceptance or rejection under UCC 2-207. Failure to respond constitutes willful non-compliance and fraudulent misrepresentation.
Demand for Securitization Audit : I formally requested a full securitization audit of my account under 15 U.S.C. 6801 ( Gramm-Leach-Bliley Act ) and applicable consumer protection laws. This audit is critical for transparency regarding the usage of my credit application and funds. Upgrades refusal to comply violates federal statutes governing disclosure and transparency.
Legal Violations Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 ) : Unjust restriction of my credit access constitutes discrimination and non-compliance.
Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) : Failure to provide clear, accurate information about account changes violates TILAs disclosure requirements.
Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) : Improper notification of account restrictions and potential adverse credit reporting breaches FCRA guidelines.
Uniform Commercial Code ( UCC 2-207 ) : Upgrades failure to acknowledge or respond to my amended contract constitutes a breach of good faith in commercial transactions.
Case Law Support : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Reinforces the requirement for creditors to disclose all changes in terms transparently.
*XXXX XXXX XXXXXXXX : Establishes that the promissory note or credit application constitutes sufficient funding, obligating Upgrade to uphold the credit agreement without arbitrary suspension.
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Affirms enforceable consumer rights under federal statutes.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9740071
|
2024-08-07
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-08
|
| Complaint What Happened |
On XXXX I noticed on my credit report that I had been reported by a company named Uplift Corporation I had a past due account.
Ive never heard of or done business with this corporation.
I called their number and was told they arrange for payments within the travel industry and I had rented a car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until XXXX and I had not paid the account.
I did not rent a car from XXXX.
I called XXXX XXXX XXXX and asked they confirm my rental. They could not. They said an expired credit card with my name was used for the account. They could not confirm that my Florida Drivers License was presented for the rental.
The email used by the " renter '' was XXXX. This is not my email account.
I notified Uplift and was told I had to file a police report to clear up this charge.
I filed police report # XXXX on XXXX with the XXXX XXXX Florida police department.
( see attached ) The officer spoke with XXXX XXXX XXXX security team in XXXX XXXX XXXX and after the discussion, XXXX said they could not confirm it was me and the billing should have never been sent to Uplift.
I submitted the police report to Uplift on XXXX. I spoke with an Uplift supervisor to confirm they received the police report and they stated they had. After much discussion with Uplift, they agreed that the charge was not mine and they would resolve my credit report but it would take XXXX months!
On XXXX, my credit reports stated the Uplift charge had been written off as a bad debt!
Unbelievable.
Due to this filing, my credit score went from XXXX to XXXX.
Additionally, due to the erroneous filing by Uplift XXXX XXXX XXXX XXXX cancelled by XXXX card.
|
| Consumer Consent Provided |
Consent provided
|
|
