Payday loan, title loan, or personal loan -- Getting a line of credit -- Complaint #7099033
Complaint Overview
Complaint ID: 7099033
Company: Upgrade, INC.
Product: Payday loan, title loan, or personal loan
Sub-Product: Personal line of credit
Issue: Getting a line of credit
State: Washington
ZIP Code: 98109
Date Received: 2023-06-10T12:00:00-05:00
Date Sent to Company: 2023-06-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On Wed, XX/XX/XXXX, I applied online for Upgrade 's XXXX and Rewards Checking account. My application ( which DID NOT ask for my social security number for some reason ) was denied. One of the reasons was " delinquent payment of an installment. '' I DO NOT HAVE any installment plans, loans, etc. I called Upgrade to get the phone number of XXXX who supposedly provided my credit report. XXXX confirmed that there are NO DELINQUENCIES of any kind on my credit file. They also confirmed that there was no inquiry from Upgrade on the date in question nor did I receive an email from XXXX confirming the inquiry as is the norm. Additionally, I've had longstanding fraud alerts with all 3 credit reporting agencies and no one called me to verify if I had applied for Upgrade 's credit line XXXX. Furthermore, my XXXX score is over 800 and I make $ XXXX. There is no reason my application should have been rejected. The only conclusion to be drawn from this is that Upgrade received a credit report from another individual, not mine. I spoke with Upgrade 's reps who were sympathetic and understanding and also admitted that they have heard of similar problems from other applicants. But there was nothing they could do except tell me to apply again. That is a waste of time. I want an empowered Upgrade employee to call me who will obtain a proper credit report and figure out a way to open the XXXX and Rewards Checking with {$200.00} cash bonus.
Frequently Asked Questions
What is Complaint #7099033 about?
Complaint #7099033 was filed against Upgrade, INC. regarding Payday loan, title loan, or personal loan specifically about Getting a line of credit. It was received by the CFPB on 2023-06-10T12:00:00-05:00.
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, or personal 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.