|
11337995
|
2024-12-31
|
Problem when making payments
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-12-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-31
|
|
|
6270417
|
2022-12-02
|
Managing an account
|
Checking or savings account
|
|
| Tags |
Servicemember
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Savings account
|
| Date Received |
2022-12-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-02
|
| Complaint What Happened |
Upgrade Bank advertises direct deposit capability on their XXXX XXXX account with a 3.5 % apy. Unable to set up direct deposit for over a month and a half and having repeatedly been lied to that since this is a new product, they are trying to iron out a glitch, Im finally being told today that direct deposit is not a feature available with this particular savings account and that I can only deposit funds via bank transfer. This is despite the fact that on the companys own website, there is an FAQ page explaining how to set up direct deposit on this type of account. When confronted with this discrepancy the phone representative mentioned that she would check with upper management. This is beyond deceptive and needs to be addressed to people dont open accounts and get misled by greedy banks.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7051642
|
2023-06-01
|
Advertising and marketing, including promotional offers
|
Credit card or prepaid card
|
|
| Issue |
Advertising and marketing, including promotional offers
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Didn't receive advertised or promotional terms
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-06-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-01
|
| Complaint What Happened |
On XX/XX/XXXX, I applied for a rewards checking account and a credit card with Upgrade. Through XXXX XXXX there was an advertised bonus for {$500.00} if both were opened and XXXX transactions were completed with the debit card that came with the checking account. The checking account was approved that day, but the credit card was not approved until 8 days later. After completing the terms of the agreement and contacting Upgrade customer service they stated that I now had to use the credit card for a few months in order to receive the bonus. I completed those terms and paid the monthly bill on time for multiple consecutive months.
On XX/XX/XXXX, I again contacted customer service asking why the promotional offer had not been honored. The customer service agent stated that because the checking account and credit card were not opened on the same day that the offer would not be honored. The credit card was not approved until 8 days later, even though that was the product that I had applied for first.
Upgrade is refusing to pay out a promotional offer with deceptive practices. The accounts were opened in the order which the terms stated, but by not approving the credit card days later they can avoid paying out the promotions.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7170688
|
2023-06-26
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Checking account
|
| Date Received |
2023-06-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-26
|
| Complaint What Happened |
On XX/XX/2023 I noticed that a withdrawal in the amount of XXXX was taking out of my account I contacted the bank several times to try to retrieve such funds I am asking now that the funds be returned to my account immedy
|
| Consumer Consent Provided |
Consent provided
|
|
|
7163078
|
2023-06-24
|
Struggling to pay your bill
|
Credit card or prepaid card
|
|
| Issue |
Struggling to pay your bill
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Credit card company won't work with you while you're going through financial hardship
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-06-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4454286
|
2021-06-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-06-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-12
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4713824
|
2021-09-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
UPGRADE, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-09-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-13
|
| Consumer Consent Provided |
Consent not provided
|
|
