Upgrade, Inc.

In XXXX, I inquired about loan restructuring. I am experiencing a hardship. They put me on a short term hardship and stated that once the loan matures in XXXX I could restructure the loan. I called on XX/XX/XXXX, the customer service agent stated that I could restructure or enroll in the post maturity payment plan but I needed to pay the past due amount first. I told her the only option that worked for me was the restructure. I payed it right then and there with her on the phone. She said to call back tomorrow to restructure. I called on XX/XX/XXXX, the customer service agent said that he could see that I made the payment on XX/XX/XXXX but that it hadn't posted yet and i can enroll in the loan restructure once it posted. He said they were closed Saturday XX/XX/XXXX but to call on Sunday XX/XX/XXXX. I asked specifically if that was okay with the tight timeline and he said that it didn't matter as I had already payed, it just needed to post and then I could enroll in the restructure.…

I am submitting this complaint regarding inaccurate and unfair credit reporting related to an account originally held with Upgrade, which has since been charged off and reportedly sold or transferred to a third-party collection agency. The account information currently being reported appears inaccurate, misleading, and potentially duplicative under the Fair Credit Reporting Act ( FCRA ). I respectfully request a full investigation into this matter and the removal of any inaccurate reporting from my consumer credit files. The concerns include : * The original creditor account was charged off and sold/transferred. * The balance and payment history may still be reporting inaccurately by the original creditor after the transfer. * There may be duplicate reporting between the original creditor and collection agency. * The account status and balances being reported do not appear consistent or properly updated. Under the Fair Credit Reporting Act, 15 U.S.C.…

I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

I am filing a complaint regarding Upgrade 's handling of my checking account. My account was suspended more than seven days ago for alleged unusual activity. The only activity I am aware of that may have triggered the review was a personal check deposit that was returned for insufficient funds because the check writer did not have enough money in their account. I never received any proceeds from that check. Since the suspension, Upgrade has not provided a meaningful explanation, requested documentation, or given any timeline for resolving the matter. Customer service representatives have repeatedly instructed me only to wait for an email. Approximately {$450.00} in legitimate payroll funds from my employment remain inaccessible due to the account suspension. These funds are necessary for basic living expenses.…

Upgrade keeps declining my payments. And then when I try to fix the amount, that amount gets declined as well. I am tired of this company always moving the target so that they can rack up more interest.

COMPLAINT AGAINST : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ASSOCIATED DISPUTE NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOTAL DISPUTED AMOUNT : {$21000.00} I am filing this formal consumer complaint against XXXXXXXX XXXX for a systematically flawed fraud investigation that directly violates Federal Regulation E ( 12 CFR 1005.11 ). The bank is attempting to reverse my provisional credits on XX/XX/year>, and a phone representative from the dispute team wrongfully stated that my evidence is " irrelevant '' because it " doesn't prove I wasn't the one who made the transactions. '' Under Regulation E, the burden of proof is strictly on the financial institution to establish authorization, not on the consumer. I demand a full executive review based on the following definitive, irrefutable evidence : XXXX. XXXX XXXX Disconnect ( XXXX vs.…

On XX/XX/XXXX, I purchased a XXXX XXXX ticket using Upgrade Flex Pay. The total loan amount was {$1500.00}, divided into four installments. I paid the first installment of {$390.00} via my debit card. I subsequently cancelled the ticket due to a double booking. On XX/XX/XXXX, XXXX emailed me confirming that XXXX XXXX had refunded {$1500.00} to them. On XX/XX/XXXX, Upgrade emailed me confirming that {$390.00} would be refunded to my debit card within 7-14 business days. The refund never arrived. On XX/XX/XXXX, I confirmed with my bank that no incoming transfers from Upgrade or its banking partner had been received. I called Upgrade multiple times ( XX/XX/XXXX, XXXX, and additional calls ).…

The point-of-sale travel transaction was originated within an airline checkout terminal under prominent marketing representations guaranteeing " no impact to your credit score, '' misleading reasonable consumers into believing the flexible installment structure operated completely outside the consumer reporting ecosystem. The official transaction receipt proves the payment was executed via a corporate " UATP '' card for {$1100.00} USD. The lender deliberately masked a consumer finance loan ( Buy Now, Pay Later Loan ) behind a virtual corporate charge card ( UATP ), failing to conspicuously disclose that a minor travel booking would trigger a score-damaging subprime Consumer Finance Account ( CFA ) status flag on my consumer files.…

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and inaccurate. I previously sent a copy of the late payment issue to the CEO, but I received no response. Additionally, I spoke with a customer service representative who informed me that there was nothing they could do to assist.

XX/XX/year> someone is trying to hacked my account my checking bank account with upgrade inc banking I had {$2400.00} in my balance the bank suspect unusual activity since the XX/XX/year> they suspended my account I have been email them an calling them since the XX/XX/year> they kept saying they are investigating the account since XX/XX/year> I needed my money for bills its been 7 months its ridiculous

UPGRADE has failed to provide a monthly Statement for XX/XX/year> as of XX/XX/year>. UPGRADE has previously failed to provide statements for XXXX and XX/XX/year>. Complaints were filed for both of those incidents. When a payment is remitted to UPGRADE prior to UPGRADE providing a monthly statement for said account, UPGRADE will not credit the payment correctly, as a monthly installment, but UPGRADE applies a payment made prior to the issuance of a statement as an " extra payment '' - and requires an additional monthly payment. These are typical predatory lending practices that must be dealt with properly by my government. UPGRADE : Be advised that no payment will be remitted to this account as installment payment number thirteen ( 13 ) of forty-eight ( 48 ) until twenty-one ( 21 ) days after receipt of a properly prepared and delivered XX/XX/year> statement ; in accordance with UPGRADES loan agreement, and Federal Consumer Law. Govern yourself accordingly,

I am filing this complaint regarding the servicing transition of my account from Upgrade to XXXX and the resulting inability to access my account, receive statements, or make timely payments. After my account was transferred from Upgrade to XXXX, I was unable to successfully complete the identity verification process required to access the new XXXX XXXX platform. Because of this, I could not log into my new account or manage payments through XXXX. At the same time, I was also blocked from making payments through the prior Upgrade platform because the account had already been transitioned out of the old system. As a result, I had no functional access to either servicing platform and no reasonable ability to make timely payments during this period. In addition, I did not receive periodic billing statements or adequate account notices during the transition. Without account access or statements in upgrade or XXXX.…

NOTE : This is a NEW complaint distinct from my prior complaint XXXX which covered different violations. I opened an Upgrade installment loan in XX/XX/XXXX and enrolled in a Payment Protection benefit plan, paying premiums since account opening. I became involuntarily unemployed confirmed by the XXXX Workforce Commission which is exactly what the Payment Protection plan was designed to cover. Despite being enrolled and paying premiums, Upgrade never honored the benefit, and my account fell behind and was charged off. On XX/XX/XXXX and XX/XX/XXXX, I contacted Upgrade by email requesting written resolution options for the charged-off account. Upgrade refused both times, stating they can not discuss options by email and directing me to call. Upgrade confirmed in writing the account is charged off but not yet sold. Upgrade has reported 30, 60, and 90-day late payment notations to XXXX.…

I have been dealing with this issue for over two months now I make partial payments throughout the month to satisfy my monthly bill of {$1100.00}. The company is not recognizing the partial payments or either an applying it to interest which is incorrect it should be going towards my monthly payment. Also theyre not recognizing payments. Ive made Ive even sent bank statements showing that Ive made a payment and they dont recognize it on my payment activity. I can never get a hold of anybody in management. I always have to talk to a different department. Ive got the runaround I would like a list of all my payments that I made to match them up with my bank statements I believe they have not been applying payments that gone through my bank. I believe theres three or {$400.00} that have not been applied to my monthly payment. Therefore, now I am behind.

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

On XX/XX/year>, I submitted a full payoff payment of {$12000.00} to Upgrade Personal Loans to satisfy my loan account in full. On the same date, I cancelled my scheduled monthly automatic payment for XX/XX/year> through Upgrade 's platform. Despite my payoff payment showing as processed on Upgrade 's end, Upgrade has failed to communicate the loan payoff to my bank and states this will take over 10 business days. This delay is preventing me from confirming my account is closed and my loan is satisfied. Additionally, despite my cancellation on XX/XX/XXXX, Upgrade withdrew my regular monthly payment of {$760.00} via ACH debit after the cancellation was submitted. When I contacted Upgrade about this unauthorized withdrawal, I was told it was not their problem. I am now being told the refund for this overpayment will take an additional 10 business days to process.…

I financed airline tickets through Flex Pay/Upgrade as part of a XXXX Airlines XXXX XXXX approximately {$1400.00}. The purpose of the loan was for travel services for me and my family, including my infant child. XXXX XXXX later cancelled the flights, meaning the contracted travel services were never rendered. XXXX initially indicated that a refund to the original form of payment was available ; however, when I attempted to retrieve the reservation and process the refund, the reservation became inaccessible through the XXXX XXXX website and now displays Reservation Not Found. Despite the cancelled flights and inability to access the reservation or obtain the refund, XXXX XXXX continues charging me monthly payments on the loan for services I never received.…

I applied for loan to get funds XX/XX/XXXX. Funds never arrived. I then went through all their hoops proving I did not recieve money providing bank statements etc. They said they would escalate to figure it out and I would get money. We are now roughly 3 months from time I requested the loan. XXXX weeks ago they ruled it a final fail, that I would not be receiving the loan. Its been on my credit report now for XXXX months, and interest is building while they investigate. They have not removed it off my report and its doing real damage to my credit score. Ive asked multiple times and they say they cant do anything until a team does their job and there is no one else I can talk to you Im just waiting. Im at the point now where Im super frustrated and dont feel this is legal at all.

I am submitting this complaint regarding the inaccurate reporting of my account. The reported information contains errors that do not accurately reflect my payment history. I have been a responsible payer, and the negative remarks on my account are incorrect. Under 15 U.S. Code 1666b, creditors are required to promptly correct billing errors. Additionally, under 15 U.S.C. 1681i ( 7 ), I am entitled to a full description of the reinvestigation procedure conducted regarding my dispute. As a consumer, I request to know all the steps the agency took to ensure the accuracy of the reported information before it was added to my credit report. Despite my efforts to dispute this matter directly with the reporting agency, I have not received adequate verification or resolution.

I have an installment loan with Upgrade with a fixed monthly payment of {$200.00} and a set repayment term. I have consistently made payments, including recent payments of {$200.00} ; however, my balance has not decreased as expected and instead appears inconsistent and inflated. Upgrade informed me that I was placed into a six-month hardship program in XXXX where payments were reduced to approximately 30 % of the regular amount. I was told this agreement was verbal, and Upgrade has refused to provide any written documentation, disclosures, or agreement terms related to this hardship program. I requested a full payment history, amortization schedule, and a breakdown showing how each payment was applied between principal and interest. I also requested documentation explaining how deferred amounts were calculated and added back to my balance. Upgrade has refused to provide this information, stating that records and call recordings are internal and not available to customers.…

I was approved for an installment loan of {$1200.00}. When the loan was funded I only received {$1000.00}. When I inquired about it I was told I was being charged a 10 % administrative fee. I accepted this fee as they insisted this was part of the normal course of doing business. However, the Initial balance of the loan still showed as {$1200.00}. I am being charged interest on the {$1200.00} even though I only received {$1000.00}. When I make my payments they are all being subtracted from the initial promised amount of {$1200.00} which I never received, I told them I think this is unfair and it makes their claim of their interest rate f 35 % false becuase if I am repaying {$1700.00} on {$1000.00} that is more like 61 % interest not 35 %.

I used XXXX ( XXXX, XXXX ) in connection with XXXX XXXX XXXX purchases. All associated accounts have now been closed and show as paid in full. However, despite the accounts being closed, I have not received a refund that I am owed in the amount of {$120.00}. This amount remains outstanding even though there is no remaining balance on any account. I have attempted to contact XXXX to request clarification regarding the status of this refund and to understand why it has not been issued. I specifically requested information about the refund timeline and the final resolution of the accounts. I have not received a clear response or resolution. The issue is not about any remaining debt. The issue is that funds owed to me have not been returned after the accounts were closed. This situation is connected to XXXX XXXX XXXX transactions that were canceled, and the accounts were subsequently closed without properly resolving the remaining balance owed back to me.…

I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Account suspended on XX/XX/year> due to unusual activity for the security of my account. My account has been under review up through today XX/XX/year> and I have received no information or contact other than the original suspension email and when I call they just say the account is still under review and you will receive an email with a resolution or update. I have never received an email. I have been unable to use the account in any form including my funds I. The account being held hostage throughout this process. Again there has been no communication whatsoever regarding updates, resolutions etc or any feedback to my numerous call and complaints which began on XX/XX/year> prompted by the message displayed on their website Your account is suspended. Please call XXXX for information. Yet, when I call, theres no information provided. The pace and communication of this process has been absolutely ridiculous.

I received a Credit Monitoring alert from XXXX XXXX from Upgrade Inc . The charge is for XXXX on XX/XX/year> for an account opened XX/XX/year>. I have know knowledge of this account. I believe this to be erroneous and has negatively impacted my credit. After contesting with XXXX, they advised me to submit complaint with FTC/CFPB. Thank you, XXXX XXXX XXXX

- [ ] XX/XX/XXXX : I bought XXXX ticket, booking ref XXXX, and used Upgrade XXXX to pay over time. Upgrade email on XX/XX/XXXX : Loan ID : XXXX Todays payment amount : {$490.00} Monthly payment amount : {$490.00} Number of remaining payments : 3 Next payment due date : XXXX - [ ] XX/XX/XXXX : emailed XXXX XXXX XXXX XXXXXXXX about my reservations and the conflict in XXXX if that would affect my stay. - [ ] - [ ] XX/XX/XXXX at XXXX XXXX : I called upgrade asking about how the refund would work if I cancel my trip and use the XXXX full refund request. I was aware of the option but did not take it because of the website stating a full refund is not guaranteed. I wanted my full money back if I was not going on the trip. Did not clear answers on how the refund worked though.…

I went to the ATM to take money out and nothing came out the ATM, I filed a dispute but Im getting several conflicting things, under the policy if it takes more then 10 business days I should get a provisional credit until investigation is complete, I need a clear answer and some type of email stating I filed but I have gotten nothing