Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5710200
Complaint Overview
Complaint ID: 5710200
Company: Upgrade, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with balance transfer
State: Arkansas
ZIP Code: 71603
Date Received: 2022-06-26T12:00:00-05:00
Date Sent to Company: 2022-06-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I received an offer from XXXX XXXX XXXX of a balance transfer request with a zero percent APR. I accepted this offer from XXXX and requested a balance transfer from two credit cards on XX/XX/2022 : first amount was for {$400.00} from XXXX XXXX XXXX credit card ( ending in XXXX ), and second amount was for {$1000.00} from Upgrade , Inc. credit card ( ending in XXXX ). The problem is with the Upgrade , IncXXXX credit card. XXXX has completed the transfer from both credit cards, but the balance is still shown on the Upgrade , Inc. credit account. I tried reaching out to Upgrade , IncXXXX on XX/XX/2022 to ask why the balance was still showing on my account and informed them that the balance was showing on the XXXX account. The balance transfer request from XXXX asked for the address of the Credit Card Company for XXXXpgrade, so I submitted the only address that was shown on their home page, which was XXXX XXXX XXXX, XXXX XXXX, CA XXXX. When I told this to the customer representative at Upgrade, they said " XXXX XXXX? '' I informed him that this was the only address shown on their website. Another statement majically appeared on their home page a few days later ( underneath the XXXX XXXX address, stating : Not for payments, address can be found here. I was also told by this representative that since the payment from XXXX was sent to the Corporate address, that it may take up to three weeks to reach the correct address. The next payment on this credit card is due XX/XX/XXXX and I was hoping this transfer would be processed before this date so I could close this card before another automatic draft comes out of my account.
Frequently Asked Questions
What is Complaint #5710200 about?
Complaint #5710200 was filed against Upgrade, INC. regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2022-06-26T12:00:00-05:00.
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 or prepaid 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.