Payday loan, title loan, or personal loan -- Charged fees or interest you didn't expect -- Complaint #7186124
Complaint Overview
Complaint ID: 7186124
Company: Upgrade, INC.
Product: Payday loan, title loan, or personal loan
Sub-Product: Personal line of credit
Issue: Charged fees or interest you didn't expect
State: New Jersey
ZIP Code: 082XX
Date Received: 2023-07-01T12:00:00-05:00
Date Sent to Company: 2023-07-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XX/XX/XXXX I received a line of credit from this company. I had a draw, and easy payments, that I managed well for 2-3 years. I got offers to get a credit card with this company. I have 2 separate accounts, the second was XX/XX/XXXX. I can not find transactions to match these totals ( {$3400.00} ), for the older, and the newer ( {$3300.00} )., I called the company and asked for a freeze, ( payments for both were at {$400.00}! ). They froze and stopped acct., but interest has been accruing for many months!!. I can not find legitimate transactions for this exorbitant amount. I called and talked to XXXX XXXX, " begging '', as a single mom, asking for a review., asking for a stop of charges ( he reports literally were tough, nothing we can do and we are not reviewing your account! ), even corrected my speech a few times! ), How did I get to ... approx., {$6800.00}. plus!!! ( where are transactions??? )., and if legitimate I must negotiate a settlement, if my credit is destroyed right now, housing is at risk ( I rent! and may not have my lease resigned ). I am a healthcare worker, struggling. I am a single mother and have XXXX XXXX, this situation is keeping me up at night and endangering my health! I am formally requesting an entire review of my account with a negotiated settlement amount. ( I have paid fairly for years! ), if the amount is negotiated I will do my best to pay in full and be rid of this awful bait-and-switch company. INTEREST accruing daily! Thank you, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #7186124 about?
Complaint #7186124 was filed against Upgrade, INC. regarding Payday loan, title loan, or personal loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2023-07-01T12:00:00-05:00.
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.