Debt collection -- False statements or representation -- Complaint #4629491
Complaint Overview
Complaint ID: 4629491
Company: Upgrade, INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Georgia
ZIP Code: 30035
Date Received: 2021-08-13T12:00:00-05:00
Date Sent to Company: 2021-08-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
I received a solicitation for a credit card from Upgrade.com with an {$8000.00} limit. I applied for the card in XXXX and received the card in the mail. I have never used the card ( I wanted to do some things around the house ). I just looked at the account yesterday and saw that they had a balance of {$6500.00} and I found a phony loan document with my name signed by Upgrade , Inc . I never received any money and never asked for any and never used the card. I tried to call them a couple or times but I was put on hold with no response and the call disconnected. The loan document is dated XX/XX/2021 and I have not communicated with anyone in their company since XXXX. I didn't receive a billing statement in the mail but when I looked at my account they had a billing statement for {$200.00} and asking me if I need financial assistance. This is a complete fraud and I can't get in touch with anyone at that company with the phone number provided. The company name and address is : Upgrade, XXXX, XXXX XXXX XXXX, XXXX Floor, XXXX XXXX, CA XXXX URL Upgrade.com I have no intention of re-paying money I do not owe for a loan I never received. Why do they think they can get away with something like this?
Frequently Asked Questions
What is Complaint #4629491 about?
Complaint #4629491 was filed against Upgrade, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2021-08-13T12:00:00-05:00.
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.