I am filing a complaint against Upgrade , Inc. for refusing to open a billing dispute for a charge where services were not rendered. I used Upgrade to pay {$140.00} for a travel protection plan through XXXX XXXX XXXX. After purchase, I attempted to use the protection, but my claim was denied. I was informed that I was not eligible for coverage due to when the protection was added to my booking. This means the product I paid for provided no usable benefit at the time of purchase. I contacted Upgrade to dispute the charge, as this is a clear case of services not rendered. However, Upgrade refused to open a dispute and instead directed me back to the merchant. I also contacted the merchant ( XXXX ), and they refused to issue a refund, leaving me without resolution. I am requesting that Upgrade open a formal dispute and investigate this charge, as I paid for a service that I was not eligible to use and did not receive.
CFPB COMPLAINT DATABASE
Upgrade, Inc.
362 real consumer complaints filed against Upgrade, Inc. at the Consumer Financial Protection Bureau in the last 12 months. 5 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Attempts to collect debt not owed56
- 02Incorrect information on your report48
- 03Managing an account47
- 04Problem with a company's investigation into an existing problem29
- 05Improper use of your report18
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
On XX/XX/XXXX at XXXXXXXX XXXX XXXX I returned a phone to XXXX XXXX. XXXX XXXX XXXX policy, the {$1100.00} refund went back to the original payment method, which was my Upgrade XXXX Card ( their credit/charge product ). XXXX told me they were having a system issue on XX/XX/XXXX, so the refund didnt post that day. The {$1100.00} finally posted to my Upgrade XXXX Card on XX/XX/XXXX at around XXXXXXXX XXXX XXXX At that point Upgrade told me I did not owe a balance, so the funds would be moved to my Upgrade Rewards Checking account by ACH. I was told the disbursement to my checking account went out on XX/XX/XXXX at XXXXXXXX XXXX XXXX, with an expected arrival in XXXX business days. From that point forward I received multiple different promises from Upgrade : that I would have the money by Friday, then Monday morning, then by close of business Monday, then within XXXX hours, and that the funds were in final processing and no further action is required.…
XX/XX/year> Amount Paid to Business {$1500.00} - Loan to pay in installments for a flight to XXXX via XXXX XXXX website. Interest Paid {$170.00} - Due to personal circumstances I was unable to officially cancel my flight with XXXX until XX/XX/year>- the airline refunded the entire amount {$2100.00} back to upgrade.com - No one at upgrade was/is willing to take into account, or even acknowledge the fact that some things can not be determined after 30 days of taking out a loan, and want to keep free interest paid to them. They also claim that there are clear cancellation terms indicating that if you cancel within 30 days you would receive a full refund- which is not accurate or true. ( they should take a look at their terms and conditions online and go thru the purchase options before speaking on that ). Additionally it took more than one call to XXXX that my refund is " pending '' due to not having a bank account on file ( mind you that was never notified to me either ).…
On XX/XX/XXXX around XXXX I made an initial payment of {$100.00} toward a loan amount of {$890.00}. I had issues making the payment due to system issues but the final payment that posted and I received confirmation for was {$100.00}. On XX/XX/XXXX and XX/XX/XXXX, respectively, I received multiple emails confirming a booking and on XX/XX/XXXX ( XXXX ) I received multiple emails requesting that I make initial payments towards loan amounts of {$120.00} and {$180.00}. On XX/XX/XXXX ( XXXX ) I called the company ( customer care ) to request they look over and remove the accounts that were made due to system error. I also confirmed the payment of {$100.00}. I was informed that I should receive follow-up on Monday, XX/XX/XXXX. I did not receive follow-up Monday or Tuesday so I called again on Wednesday, XX/XX/XXXX to receive follow-up. I spoke with someone ( in collections ) who said they would escalate the issue and that instructed that I call back at XXXX XXXX.…
On XX/XX/year> I had XXXX $ deposit made to my account, I tried to transfer it out to XXXX XXXX. And it was declined due to insufficient funds. The money was in the account so I contacted upgrade a XXXX XXXX XXXX. The money even though declined had been placed in a pending status. They said they knew about the error and was working to fix it. It's been seven days they have with held my money for a system error of their own. My bills now have late fees. I need my money. When I call or message them they just say they working to fix it. They have no time frame .after that they tried to charge me XXXX # for a transaction to XXXX XXXX the doesn't exist to XXXX XXXX I didn't make they said it was part of the error .they haven't put it back either. It's been seven days
Recent complaints
The 30 most recent complaints against Upgrade, Inc. where the consumer chose to publish their narrative.
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized XXXX collect it. Despite the absence of proper validation, this account continues XXXX be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate XXXX verifiable. Reporting a debt that has not been validated is XXXX misleading XXXX incorrect.
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding inaccurate, misleading, and unverified credit reporting involving the following entities : XXXX XXXX XXXX XXXX XXXX XXXX Upgrade Inc . The account at issue is referenced as Account # XXXXXXXX XXXX XXXX XXXX XXXX This matter involves multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as outlined below. 1. Contradictory Reporting by Upgrade Inc . Upgrade Inc. is reporting this account as Sold ; was Charged-off and closed in XX/XX/XXXX. However, the same tradeline simultaneously reflects active balances and payment activity throughout XXXX and XXXX. This creates a factual impossibility, as an account can not be both closed/sold and actively reporting payments. This constitutes a violation of : FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681i failure to conduct a reasonable reinvestigation XXXX.…
To Whom It May Concern, I am writing to formally report that I am a victim of identity theft. I recently discovered several accounts opened in my name without my knowledge or authorization. The fraudulent accounts are listed below : Upgrade Inc Opened XX/XX/XXXX {$1800.00} Upgrade Inc Opened XX/XX/XXXX {$1700.00} Upgrade Inc Opened XX/XX/XXXX {$75.00} XXXX Opened XX/XX/XXXX {$1600.00} I did not open or authorize any of these accounts. I believe my personal information was used without my consent. I kindly request a full investigation into these fraudulent accounts and that they be removed from my credit report immediately. Please also provide confirmation once this matter has been resolved. I am willing to provide any additional documentation needed. Thank you for your prompt attention to this serious matter.
On Tuesday, XX/XX/year> ; I applied for a personal loan from Upgrade. The loan amount was for {$36000.00}. While filling out the paperwork online and waiting for it to be accepted, I was sent out to another loan company with the message that my loan had not been funded but to try a loan from a partner company called, XXXX XXXX. I was surprised that I had not been funded as I had filled everything out thinking it HAD gone through. So, I went over to XXXX XXXX with the provided link from Upgrade and was funded by XXXX XXXX for {$36000.00}. A few days later, XX/XX/year> ; I got an email from Upgrade confirming my loan had NOT gone through ( email attached ). A day later, I discovered that not only had I been funded by XXXX XXXX but Upgrade HAD funded my loan so now I had XXXX loans and can not afford XXXX payments. I immediately panicked and started getting the funds together to pay the Upgrade loan back. I called Upgrade on XX/XX/year> ; to let them know what happened.…
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3.…
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3.…
Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3.…
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3.…
To Whom It May Concern, I am writing to formally dispute the account listed under Upgrade Inc ( Acct XXXX XXXX XXXX XXXX XXXX XXXX ), which appears on my credit report. I did NOT open this account, authorize it, or benefit from it in any way. This account is the result of identity theft. I have already taken the following actions : - Placed a freeze on my credit - Filed an identity theft report with the FTC - Identified additional fraudulent activity that has already been confirmed and removed It is extremely concerning that despite clear evidence of fraud in related accounts, this account continues to be reported as valid. If you review the transaction history, location, and usage, it will clearly show that the activity does not match my identity. Under the Fair Credit Reporting Act ( FCRA ), I am requesting : XXXX. Immediate reinvestigation of this account XXXX. Verification of the method used to confirm this account as valid XXXX.…
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…
I called XXXX XXXX ( upgrade ) to find out if I can figure a way to resolve.I have been affected by a tornado hitting my home/ Health issues ( XXXX XXXX ) when I called, the only the rep only wanted to talk about disputing my many accounts that I mentioned to him that XXXX trying to resolve. Not a particular name of an account. He informed me to dispute the one I called him about and he could run a XXXX score credit bureau to see what can be disputed for {$1.00}. I was curious and asked him WHY he was doing this. He said he heard in my voice that I was in a bad situation and understood. I agreed. He made me feel good about it. After giving my debit card # he ran report and said that I believe there were XXXX accounts that had issues. I asked how that could be? He said something about data entry etc. He said he could dispute them all. I said that sounds good. He then informed me it would be either {$370.00} or {$370.00} to do this. I was confused.…
I am filing a complaint against Upgrade , Inc. regarding improper handling of a billing dispute, continued negative credit reporting, and failure to provide account access. On XX/XX/XXXX and XX/XX/XXXX, payments of {$83.00} each were applied to my Flex Pay loan ( Loan ID XXXX ) for a flight purchased through XXXX XXXX. I did not board the flight and received no service. I contacted the merchant immediately and was denied any refund, credit, or rebooking. On XX/XX/XXXX, I submitted a formal dispute to Upgrade stating that the underlying service was not rendered. I clearly requested an investigation, suspension of collection activity, and reversal of charges. Upgrade did not conduct a meaningful investigation. Instead, on XX/XX/XXXX, they responded with a generic statement claiming they are not a party to the merchant agreement and directed me back to the merchant. This response failed to address the dispute or evaluate the claim.…
I am filing a complaint against Upgrade regarding XXXX tradelines furnished and reported on TransUnion as Sold ; was Charged-off ( Acct XXXX XXXX XXXX and XXXXXXXX XXXX XXXX ). After CRA notice of dispute, furnishers must conduct a reasonable investigation and correct/delete inaccurate/incomplete/unverifiable data under XXXX U.S.C. XXXX ( b ). XXXX : Upgrade Acct XXXXXXXX XXXX XXXX ( XXXX shows dispute processed; consumer disagreed ) Upgrade Acct XXXXXXXX XXXX XXXX ( same dispute/verification context ) Why its wrong/ what must be verified : The sold/charged-off disposition and any associated reporting chronology must be supported by competent business records, including the status dates and the XXXX basis driving obsolescence. Continued furnishing after dispute that leaves ambiguous or unverifiable derogatory data intact indicates an unreasonable investigation. Violations Alleged XXXX U.S.C.…
My business checking account ( ending in XXXX ) was debited twice by UPGRADE, INC. for {$430.00} each on XX/XX/26 and XX/XX/26. These payments are listed under 'Loan/Line of Credit Payments ' ( Ref : XXXX and XXXX ). I have no record of any loan agreement with this company. Most importantly, I have never received any funds disbursed by Upgrade , Inc. into this account. I have sent a formal dispute email to their compliance team demanding proof of debt and an immediate refund of {$870.00}.
Complaint Against Upgrade , Inc . Issue : Settlement not honored after payment / inaccurate credit reporting Account Number : XXXX Consumer Name : XXXX XXXX Complaint : In XX/XX/year>, I contacted Upgrade , Inc. regarding settlement of my account. During a recorded telephone conversation, I was explicitly informed by a representative that the company would honor the previously agreed settlement terms if payment was made. Relying on that representation, I sent payment directly to Upgrade via certified mail. The payment was received and deposited by Upgrade. I have proof of delivery and proof that the funds cleared. Despite accepting and negotiating the payment, Upgrade has refused to honor the settlement agreement and continues to report a balance on the account. I dispute this conduct. I made payment in good faith reliance on Upgrades recorded verbal confirmation. Accepting the funds and then refusing to honor the settlement is misleading and improper.…
XX/XX/XXXX I sent a formal Cease and Desist / Debt Validation letter via XXXX Certified Mail to XXXX XXXX XXXX XXXX. The letter was delivered and confirmed received on XXXX XXXX XXXX as evidenced by the returned XXXX XXXX (XXXX XXXX Tracking Number: XXXX XXXX XXXX XXXX XXXX XXXX.\n\nMy letter demanded:\n\nWritten confirmation of the debt within 15 days of receipt\nDeletion of any tradeline(s) from my credit reports within 30 days of receipt\nAs of today, XXXX XXXX XXXX XXXX days after confirmed delivery I have received no response whatsoever from XXXX XXXX XXXX XXXX. They have failed to validate the debt, failed to cease collection activity, and failed to remove any tradeline(s) from my credit reports as demanded.\n\nFurthermore, I have documentation showing that the original account (Upgrade Account #XXXX) was sold by Upgrade, Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as confirmed in a letter I received directly from Upgrade.…
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3.…
Subject : Formal Complaint Improper Credit Line Reduction, Lack of Notice, and Resulting Account Harm I am filing a formal complaint regarding the handling of my revolving credit account by Upgrade Inc . I was approved for a credit line of {$9000.00} and used the account in good faith. All transactions on this account were authorized and approved by Upgrade at the time they were made. I have made the payments required on time and have maintained the account responsibly. Without prior notice, my credit limit was abruptly reduced from {$9000.00} to {$500.00}. At the time of this reduction, my outstanding balance was approximately {$85000.00}. This unilateral action immediately placed my account in an over-limit status by more than {$8000.00}. Upgrade has stated that this action was based on a XXXX credit review.…
Dispute of Duplicate and Inaccurate Credit Reporting on my consumer credit reports. Upgrade and XXXX XXXX and XXXX XXXX all appear to be the same account reporting multiple tradelines for the same alleged debt. Underneath of different names. XXXX XXXX XXXX XXXX XXXX said they purchased the Upgrade account that originated with XXXX XXXX XXXX. But its showing 2 accounts. Upgrade XXXX and XXXX XXXX {$7500.00}.. These duplicate accounts reflect the same obligation but are listed more than once, and are different amounts. Resulting in unfair damage to my credit profile. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) requires that information furnished to consumer reporting agencies be accurate, complete, and not duplicated.
Upgrade home improvement loan was created when we purchased products from XXXX by XXXX ( XXXX by XXXX uses this company for their customers to obtain financing ). Terms were 15 year fixed rate at 7.99 % APR, which we paid off early in XXXX XXXX. Last billing statement received was for the billing period XX/XX/XXXX, XXXX XXXX, XXXX ( date statement issued XX/XX/XXXX ). Current balance {$15000.00}, payment due XX/XX/XXXX ( interest accrued in the statement period XXXX {$100.00} - this is on the statement itself ). We sent a payoff check to Upgrade which was received and processed on XX/XX/XXXX in the amount of {$15000.00} ( overpayment of {$130.00} as of our billing statement dated XX/XX/XXXX - payment received just one day after billing statement generated ). Upgrade sent a refund on XX/XX/XXXX in the amount of {$71.00}.…
Product : Bank account / prepaid card Issue : Unauthorized transactions/ Regulation E error resolution Company : Upgrade ( Upgrade, Inc. ) What happened : I am filing this complaint because Upgrade denied my Regulation E dispute regarding multiple unauthorized debit card transactions on my account, despite my reporting them within two business days and providing evidence that the merchants involved appear suspicious or potentially fraudulent. Unauthorized Transactions These debit card transactions were not made by me : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} I did not authorize these charges. XXXX XX/XX/XXXX I reported the unauthorized transactions, within two business days of discovering them. My debit card was deactivated and replaced immediately. A provisional credit was issued, as required by Regulation E.…
Summary of Events Identity Theft Dispute I am writing to formally dispute a loan that was fraudulently opened in my name without my knowledge or consent. My identity was stolen while I was a passenger on the XXXX XXXX XXXX from XXXX XXXX XXXX During embarkation, my carryon bagcontaining all of my personal identificationwas taken by XXXX staff as part of the boarding process. When the bag was returned, several critical items were missing, including : Social Security card Drivers license Debit card Passport These items were stolen while I was on the ship and out on the water with no cellular reception, making it impossible for me to receive alerts or take immediate action. I discovered the identity theft on XX/XX/year>, when I learned that a fraudulent loan in the amount of {$11000.00} had been opened in my name. In addition, over {$1200.00} was withdrawn from my bank account in connection with this fraudulent loan within the last month.…
I am writing to formally dispute a fraudulent account associated with XXXX XXXX XXXX that has been reported on my credit file. In early 2023, my former employer, XXXX XXXX XXXX XXXX XXXX, notified me that my personal information had been compromised in a data breach. Since then, I have received numerous calls from debt collectors regarding accounts that I did not open. I did not open any account or purchase any products or services from XXXX XXXX XXXX. However, a debt collector named Uplift contacted me demanding payment for this alleged account, which I do not recognize. I filed a police report with the XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX ) and submitted disputes with all three credit bureaus. I also filed a dispute directly with XXXX XXXX XXXX and provided multiple proofs of residency as requested. Despite my cooperation, XXXX & XXXX closed the dispute claiming it was invalid and did not provide further explanation.…
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I demand this be taken off my account immediately!! As this has been stressful for me and its unacceptable!!
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I demand this be taken off my account immediately!! As this has been stressful for me and its unacceptable!!
An Upgrade Inc line of credit account ( account number XXXX, opened XX/XX/XXXX ) was charged off in XX/XX/XXXX with {$650.00} written off. Upgrade Inc sold this debt to XXXX XXXX XXXX, as confirmed by the historical information on my credit report. Despite selling the debt, Upgrade Inc continues to report this account as a negative item on my credit report, which is a direct violation of the Fair Credit Reporting Act. Under FCRA 623 ( a ) ( 2 ), once a furnisher sells or transfers a debt, they are required to notify the credit reporting agency and update or delete the account accordingly. Upgrade Inc has failed to do this. They no longer own this debt, have no legal standing to continue reporting it, yet the account remains active and derogatory on my report under their name. I disputed this account and XXXX completed a reinvestigation in XX/XX/XXXX. The result states " Completed investigation of FCRA dispute consumer disagrees '' and " Purchased by another lender.…
t for Reinvestigation Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding unauthorized debit card transactions totaling {$4900.00} that occurred on my Upgrade checking account issued through XXXX XXXX Bank on or about XX/XX/XXXX. I respectfully dispute the determination made by the bank that these transactions were authorized and request that the matter be formally reinvestigated. I reported the suspected fraud to the bank within two days of discovering the unauthorized activity, thereby complying with my obligation to promptly report unauthorized electronic fund transfers. At the time of my report, the bank opened an investigation and issued provisional credits to my account on XX/XX/XXXX while the matter was under review.…
I am disputing several accounts reported by Upgrade Inc and XXXX XXXX on my credit report. These accounts state that they were sold or transferred to XXXX XXXX XXXX and show a {$0.00} balance, yet they continue to report derogatory charge-off status and negative payment history. Because the accounts were sold to another lender, the continued reporting by the original creditor appears inaccurate and misleading. I am requesting that the reporting of these accounts be investigated and corrected or removed if the information can not be fully verified. Under the Fair Credit Reporting Act, information reported to the credit bureaus must be accurate and complete. I am requesting that these accounts be corrected or deleted if proper documentation can not be provided.
I financed a cruise purchase through Upgrade XXXX XXXX with XXXX XXXX XXXX. Prior to the sailing date of XX/XX/year>, I cancelled the cruise due to safety concerns related to official U.S. Department of State travel advisories affecting the destination region ( XXXX ). After cancelling, I requested a goodwill accommodation from the merchant in the form of a future cruise credit. XXXX XXXX XXXX denied my request and later confirmed through the XXXX XXXX XXXX complaint process that they would not provide any refund or credit and would not reconsider the matter. Because the purchase was financed through Upgrade XXXX XXXX, I contacted Upgrade to dispute the transaction and requested that the financing company review the matter. Upgrade declined to conduct any investigation and instead directed me back to the merchant. At this point, the merchant has refused further communication and has clearly stated they will not reconsider the request.…
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