|
10781719
|
2024-11-13
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other debt
|
| Date Received |
2024-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-13
|
| Complaint What Happened |
Reaching out via phone call to my wife and daughter. I explained to them that my debt is with XXXX for settlement and they keep harassing my family.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6966663
|
2023-05-11
|
Other features, terms, or problems
|
Credit card or prepaid card
|
|
| Tags |
Servicemember
|
| Issue |
Other features, terms, or problems
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Other problem
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-05-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-11
|
| Complaint What Happened |
I opened this account for home XXXXmprovements. I wasn't aware of the difference of how this visa credit card compared to a normal credit card. I later realized this was a credit line draw account. How payments are being applied to the account is confusing as well. I even applied additional payment to see how that would change the balances of the oldest credit draws on the account.
I went on XXXX XXXX orders XXXX XX/XX/2022. I didn't have time to request SCRA until XX/XX/2022. This is when the account went crazy and nothing makes sense.
Statements and draws changed over the course of the month. Min payments on the account do not reflect statement minimal due. Account then goes into default I have to call or email about the issue and they change everything again. They stated multiple time when i take a new draw the whole transactions has to be recalculate like the system can't compute the new interest rate. Which the account doesn't reflect the new SCRA rate still says 15.99 %. I was never told of what the actually credit amount was applied to my account. My rewards balance went negative for months and no one was able to correct until recently but still doesn't make sense. If I'm suppose to get 1 % cash back that shouldn't change or decrease when going into SCRA terms. Interest and principal being applied to the account each payment shows how much of the payment is applied to the principal and to interest but I can't access past breakdowns. Resolutions states its on my statement but the numbers do not add up with data from the site and on statements. I also don't believe my balance is accurate per my transactions and payments but with lack of clear data and messy statements and entire transactions being changed on statements. Also when i requested SCRA I received a NON-NEGOTIABLE PROMISSORY NOTE Date : XX/XX/2022 ( " Effective Date '' ) i thought this was weird and unethical after requesting SCRA on XX/XX/2022.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3955188
|
2020-11-15
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-11-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-15
|
| Complaint What Happened |
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6832237
|
2023-04-12
|
Trouble using your card
|
Credit card or prepaid card
|
|
| Issue |
Trouble using your card
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Can't use card to make purchases
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-04-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-12
|
| Complaint What Happened |
I have a problem with this company ( Upgrade credit card-XXXX XXXX Bank XXXX reporting that I have an open-ended revolving line of credit ; and yet they will not allow me to use my availability. Per CFPB is this even illegal? It should be reporting to the bureaus accordingly. I am not over my limit, I have not missed a payment, and when I wrote a correspondence asking when theyd review my card not working they stated they will not and it will stay locked forever. As in, I can never access the supposed open-ended availability. But yet are reporting opposite to all 3 bureaus?
So theyre reporting an open ended LOC on a revolving account yet - I cant access the funds. Sounds like illegal reporting to me. If Im not allowed to use the card there should have been a note that it would be closed with NO availability. Instead theyre illegally reporting and I do not have access to the funds. Today was the most recent date of reading out to them. XXXX. Thanks for your help.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8185172
|
2024-01-19
|
Fees or interest
|
Credit card
|
|
| Issue |
Fees or interest
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit card
|
| Sub Issue |
Charged too much interest
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-01-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-19
|
| Complaint What Happened |
I tried to consolidate my debt to lower my payments and I was approved for XXXX % loans which was ridiculous
|
| Consumer Consent Provided |
Consent provided
|
|
|
4266397
|
2021-04-02
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-04-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-02
|
| Complaint What Happened |
I am a victim of fraudulent/inaccurate items of this account reporting on my credit file. I have sent several disputes via mail to try and resolve the problem. My rights as a federally protected consumer are being violated as sated in the Fair Credit Reporting and and Fair Debt Collection Privacy Act. I have filed a complaint with the Federal Trae Commission and my rights are still being violated. My general reputation and my ability to obtain credit is being tarnished. I need to have these account removed from my credit file immediately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4453618
|
2021-06-11
|
Opening an account
|
Checking or savings account
|
|
| Issue |
Opening an account
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Unable to open an account
|
| Sub Product |
Checking account
|
| Date Received |
2021-06-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-11
|
| Complaint What Happened |
I applied for an Upgrade Rewards checking account ( serviced through XXXX XXXX Bank ). I sent in documentation via drivers license and live picture of myself. I called and was verified over the phone. I was told that it would take a few days and I would receive approval email. I received denial letter instead the next day.
I called back asking for an explanation since it says Identity could not be verified Unable to find credit profile at bureau from XXXX
I confirmed my XXXX profile is not currently frozen. I assumed it was a mistake since the information on my Drivers License matched my credit profile and I've never experienced this issue before. I talked with someone and he said he couldn't provide any more information and suggested I try again. I tried again, sent multiple follow-up emails to support and am still receiving the same notification ( attaching ).
|
| Consumer Consent Provided |
Consent provided
|
|
|
4566441
|
2021-07-23
|
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 |
Credit card debt
|
| Date Received |
2021-07-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-23
|
| Complaint What Happened |
For : Federally Protected Consumer Rights Violations Under 15 USC 1692, 15 USC 1681, 1602 Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact so be it, The Fair Debt Collection Privacy Act is intended to secure my right to privacy and my privacy have been breached so be it and ; I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent.
Pursuant to 15 USC 1681c- my consumer rights were violated by not having the alleged debt deleted from my credit file when I informed you that I was a victim of identity theft. I never applied for a loan which would cause me to be in debt and owe any outstanding balance. It is unlawful to attempt to collect on a debt that is not owed. The civil liability for this violation is {$1000.00}.
Pursuant to 15 USC 1681b- my consumer rights were violated by not having my written instructions to report anything on my behalf to any credit reporting agency. There is no permissible purpose to report anything without my prior authorization! There is no law that states you have to report anything be reported to any credit reporting agency so I demand it be deleted from all credit reporting agencies immediately. The civil liability for this violation is {$1000.00}.
Pursuant to 12 CFR 226.15- Right of Rescission- I was never told about my Right of Rescission of this alleged debt. Can you produce where a Right of Rescission was given to me? You can not because one was never sent to me. The civil liability for this violation is {$1000.00}.
Pursuant to 15 USC 1692e- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The character, amount, or legal status of any debt. All of the account statements that was sent to me in a positive balance was very deceptive in me thinking that I had a positive account balance every month not an alleged debt. The civil liability for this violation is
{$1000.00}.
Pursuant to 15 USC 1692c- I did not give any prior consent to communicate to me about the collection of any debt. Communication is reporting any information to my credit file that suggest I owe an alleged debt. That is a direct violation and civil liability for this violation is {$1000.00}.
Pursuant to 15 USC 1692d- A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I am being harassed by having this alleged debt on my credit file and its damaging my reputation. You are purposely trying to oppress and abuse me with the collection of this alleged debt. The civil liability for this violation is {$1000.00}.
Pursuant to 15 USC 1692g- The validation of debt that was provided to me in past account statements is incorrect. If this alleged debt was created from my open end credit plan my credit card which is my social security on the credit application then I would be the original creditor. If I am the original creditor to myself, how could I be in debt to myself? 15 USC 1602- Truth In Lending- tells me that my social security card is a credit card. Its not just a credit card but an open ended credit card. If I am the one who initiated the alleged debt and was given credit that I originally extended then how could I be forced to pay it back. Can you provide me any documents where I signed a Loan Application which would show that any money was actually given to me? If a
Credit Application was signed then that is two completely different things and should be handled differently. I am the original creditor and I can not be in debt with myself. The civil liability for this violation is {$1000.00}.
I am a federally protected consumer and my rights are being violated. I am being abused and mistreated and my intelligence is being insulted with this alleged debt that you are sayin I owe. I demand that the account be deleted from your system and zeroed out in balance and any liability be taken away from me. I demand that any reporting of this account be deleted from any credit reporting agency system. I demand that any payments that was received on this account be mailed to me via check to my address. I demand that I am paid {$7000.00} for the violations that was committed against me violating my consumer rights. I have been more than reasonable trying to get this issue handled for many month using communication through the CFBP and the FTC and I have a long paper trail. I refuse to keep being abused and taken advantage of. If my demands are not met then I will escalate my issue and seek further remedies!
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
9432217
|
2024-07-06
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem accessing account
|
| Sub Product |
Checking account
|
| Date Received |
2024-07-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-06
|
| Complaint What Happened |
My payday from my job was XX/XX/year>. I got paid late afternoon on XX/XX/year> and everything was fine. I paid some bills, locked my card and went to bed. Got up for work, got gas and some stuff for inch, breakfast and headed to work. Everything was fine then. I locked my card once I got to work. I checked my account around XXXX to find out my accounts had been suspended and my debit card is locked. I took a lunch to make a phone call and no one can tell me why or how I can get access to my funds. Im told I need to wait for email communication. I opened my email to find a vague email stating it was suspended for suspicious activity. I email them back, and Im told my account was under review and that I would receive email correspondence once done. I called again after I got off work, and was told it the back office stated it was suspicious transactions, but still no answer about as to what or why. Ive had issues in the past where the bank has sent text and have called to verify transactions but I wasnt given any information about anything going on with my account. I cant use my card, I cant transfer money out of my accounts. Im not able to do anything and no one has contacted me to explain to me as to why my account is under review. I have children. I am a XXXX XXXX of XXXX XXXX under the age of XXXX. I have bills, and I have an apartment I pay rent for. No ones been willing to at least let me transfer my funds out of that account so I can continue to provide a roof over me and my children head. I want answers. I want to know why this is happening and why there isnt anyone I can contact via phone to try to resolve this issue.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5796581
|
2022-07-21
|
Other features, terms, or problems
|
Credit card or prepaid card
|
|
| Issue |
Other features, terms, or problems
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Problem with customer service
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2022-07-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-21
|
| Complaint What Happened |
I am moving so I went online to change my address with Upgrade. There was not option to change my address online so I called customer service. I authenticated my account by providing my current address, phone number, last 4 of my social, and the last 4 of the bank account used to make payments. The customer service rep placed me on hold then came back to say I had to email the request to servicing @ upgrade.com along with a utility bill or my bank statement in order to change my address. I then emailed a letter from XXXX XXXX confirming I had ordered new service at my new address I received a reply saying that was not good enough. They asked me to send my bank statement as proof I had changed my address with my bank. My bank statement in confidential so I emailed them my new lease, the letter from XXXX XXXX, and an email confirmation from XXXX where I ordered internet service at my new address. Upgrade again refused to change my address. I was able to change my address with my bank online and all of my credit cards on line with very little effort. My concern is by refusing to change my address I won't be able to pay Upgrade because my bank has my new address and Upgrade has my old address. It seems like a ploy on Upgrade 's part to prevent me from making payments or to gain access to PPI that they don't need and are not entitled to which is not acceptable. I need help to resolve this issue.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4513411
|
2021-07-03
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-07-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-03
|
| Consumer Consent Provided |
Other
|
|
|
4491024
|
2021-06-25
|
Opening an account
|
Checking or savings account
|
|
| Issue |
Opening an account
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Unable to open an account
|
| Sub Product |
Checking account
|
| Date Received |
2021-06-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-25
|
| Complaint What Happened |
I was told that the adverse action was incorrect. But, decision still stands. I previously went through the identification process so I know that can't be the case. They can just check the phone records and confirm this was completed properly.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7066053
|
2023-06-04
|
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 |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-12
|
| Complaint What Happened |
In According to the fair credit reporting act this creditors has violated my rights under 15 usc 1681 section 602 ( a ) states that i have the right to privacy and under 15 usc 1681 section 604 ( a ) section2 also, states a consumer reporting agency can not fervish account information without my written instructions. And us 15 code1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8679628
|
2024-04-02
|
Other features, terms, or problems
|
Credit card
|
|
| Tags |
Servicemember
|
| Issue |
Other features, terms, or problems
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit card
|
| Sub Issue |
Other problem
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-04-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-02
|
| Complaint What Happened |
Credit line account stated when i signed up for the account i had a 15.99 % rate with XXXX if i took all my credit line out {$17000.00} my payment would be XXXX. Well i applied for XXXX received a deduction in interest charged supposedly and my payment monthly is higher XXXX last month and this month is XXXX none of what this account states makes sense.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8931221
|
2024-05-05
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem using a debit or ATM card
|
| Sub Product |
Checking account
|
| Date Received |
2024-05-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-06
|
| Complaint What Happened |
I have had multiple transactions on my debit card since I have been in the hospital that I didn't authorize. I called Upgrade bank who my debit card is through and they didn't help me. They told me to call XXXX, but XXXX tells me to call them. I have lost {$3500.00} due to unauthorized charges and Upgrade bank refuses to help. The next step would be for me to contact a lawyer..
|
| Consumer Consent Provided |
Consent provided
|
|
|
4495482
|
2021-06-26
|
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 |
Credit card debt
|
| Date Received |
2021-06-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-26
|
| Complaint What Happened |
I am a victim of identity theft which have created a great deal of XXXX and XXXX. I submitted an identity theft report complaint with the Federal Trade Commission. My consumer rights of me being a natural person under the Fair Debt Collection Privacy Act USC 1692 and Fair Credit Reporting Act 1681 are being violated. Upgrade are breaking federal law attempting to collect a debt that is not owed. I do not owe Upgrade any money and demand that they stop attempting to collect the alleged debt and delete any internal records of the alleged debt and stop the false reporting to the credit bureaus ( XXXX XXXX and XXXX ). I am also requesting an audit trail according to GAAP that any money was given to me. If any account was created using my social security number ( which I didn't authorize ) that would make me the creditor not the debtor. How can the creditor owe any alleged debt? They can not according to congress! 15 USC 1692 states that it is fraudulent to furnish a deceptive form to make me think I owe an alleged debt when they became a " debt collector '' after " Me '' the Original Creditor creates a creditor by giving them credit to extend back to me. I do not owe any alleged debt and demand that the alleged debt be deleted immediately or I will seek remedies for the violation of my consumer rights under congress law!
|
| Consumer Consent Provided |
Consent provided
|
|
|
11838473
|
2025-01-30
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-01-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-30
|
|
