Debt collection -- Attempts to collect debt not owed -- Complaint #18060245
Complaint Overview
Complaint ID: 18060245
Company: Upgrade, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: California
ZIP Code: XXXXX
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing the validity and accuracy of a debt that Upgrade , Inc. claims is owed under the above account number. I received notice that I allegedly owe a balance, but Upgrade has not provided adequate documentation or verification to prove this debt is legitimate, accurate, or collectible.
Frequently Asked Questions
What is Complaint #18060245 about?
Complaint #18060245 was filed against Upgrade, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
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 (Debt collection) 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.