Debt collection -- Took or threatened to take negative or legal action -- Complaint #8261311
Complaint Overview
Complaint ID: 8261311
Company: Upgrade, INC.
Product: Debt collection
Sub-Product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt
State: Georgia
ZIP Code: 30080
Date Received: 2024-01-31T12:00:00-05:00
Date Sent to Company: 2024-01-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This letter is to formally demand that you immediately cease and desist all further communication with me regarding the alleged debt identified as account number XXXX. I am writing to you under my rights protected by the Fair Debt Collection Practices Act ( FDCPA ). I do not owe the debt to this company. I do not know this debt and believe it is not mine. I have never had an account with this company or related to this account number. Please provide me with verification of the alleged debt, the date of the account, and the amount owed. Furthermore, if this account is alleged to be related to the account that has BEEN SOLD, then you are admitting to a pooling and servicing agreement also known as securitization. I, XXXX XXXX, DID NOT DISCLOSE, NOR AGREE verbally, electronically, or through written consent with a wet ink signature, that I wanted this course of action with XXXX XXXX XXXX OR ANY RELATED THIRD PARTIES. XXXX XXXX XXXX contracted with an additional party without my consent, making me VOID to pay ANY ALLEGED DEBT. To add upon this, I wanted to provide VALIDATION OF THIS ALLEGED DEBT, with the production of this account and the general ledger statement!
Frequently Asked Questions
What is Complaint #8261311 about?
Complaint #8261311 was filed against Upgrade, INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2024-01-31T12:00:00-05:00.
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.