Payday loan, title loan, personal loan, or advance loan -- Problem with additional add-on products or services -- Complaint #18397588
Complaint Overview
Complaint ID: 18397588
Company: Upgrade, INC.
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Personal line of credit
Issue: Problem with additional add-on products or services
State: Washington
ZIP Code: 98391
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2025-12-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I obtained a personal loan through Upgrade.com for {$31000.00}, which was arranged by XXXX XXXX XXXX in connection with a roofing and siding project. The signed contract price for the project was {$24000.00}, but the contractor has refused to return or account for the difference. The project began on XX/XX/2025. The XXXX failed to complete multiple contracted items, including full house cleaning, caulking, siding tune-up, and vent replacement. Workmanship issues were also present. On XX/XX/2025, the contractor denied warranty coverage, citing conditions that were not disclosed prior to installation. I have attempted to resolve this matter directly. I have also filed complaints with the Washington State Attorney General, Washington Department of Labor & Industries, and the Better Business Bureau. The contractor has failed to respond to regulatory inquiries and has not provided a resolution. I am requesting CFPB assistance to review the loan disbursement, contractor involvement, and whether proper disclosures and handling of funds occurred. Thank you
Frequently Asked Questions
What is Complaint #18397588 about?
Complaint #18397588 was filed against Upgrade, INC. regarding Payday loan, title loan, personal loan, or advance loan specifically about Problem with additional add-on products or services. It was received by the CFPB on 2025-12-31T12:00:00-05:00.
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 (Payday loan, title loan, personal loan, or advance loan) 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.