Credit reporting, credit repair services, or other personal consumer reports -- Unexpected or other fees -- Complaint #6185741
Complaint Overview
Complaint ID: 6185741
Company: Upgrade, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit repair services
Issue: Unexpected or other fees
State: Nevada
ZIP Code: 89113
Date Received: 2022-11-09T12:00:00-05:00
Date Sent to Company: 2022-11-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
From the period of XX/XX/2022 to XX/XX/2022, I was on a hardship plan with Upgrade. I opted into the hardship plan because I was getting ready to separate from XXXX XXXX service in the XXXX in XXXX of 2022 and due to my military move, I needed to adjust my finances. While making payments every month, Upgrade Inc falsely reported that I had missed 4 months of payments in XXXX. I had consistently made payments during the summer for the amount of {$92.00}. I was never informed that my payments were less than the amount I was actually supposed to pay ( {$130.00} ). Additionally, I had not been given notice that my payments were flagged as late until XX/XX/XXXX. Due to them failing to inform me ahead of time to correct the error, my credit score has tanked and Upgrade Inc refuses to submit a correction to the credit Bureau. Multiple complaints have been filed to the XXXX by others regarding Upgrade Inc and the way they conduct business for consumers. Im requesting any assistance to correct my credit and plan to cancel my account.
Frequently Asked Questions
What is Complaint #6185741 about?
Complaint #6185741 was filed against Upgrade, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Unexpected or other fees. It was received by the CFPB on 2022-11-09T12:00:00-05:00.
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 reporting, credit repair services, or other personal consumer reports) 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.