Credit card -- Closing your account -- Complaint #10878306
Complaint Overview
Complaint ID: 10878306
Company: Upgrade, INC.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: Florida
ZIP Code: 32073
Date Received: 2024-11-19T12:00:00-05:00
Date Sent to Company: 2024-11-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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.
Frequently Asked Questions
What is Complaint #10878306 about?
Complaint #10878306 was filed against Upgrade, INC. regarding Credit card specifically about Closing your account. It was received by the CFPB on 2024-11-19T12:00:00-05:00.
How did Upgrade, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Upgrade, INC.?
Yes, visit the Upgrade, INC. company profile at readthecomplaint.com/company/upgrade-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.