Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/22/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not aware of this account. I have reached out to Experian and Transunion Credit Bureaus, and with UPGRADE *** to have this account removed from my file and they are always saying the same excuse, which is no longer acceptable. I have filed this as an outcome of Identity Theft. Regardless of all actions done on my end, there was no action from Experian and Transunion Credit Bureaus. Thus, I am reaching out to seek assistance to have UPGRADE *** confirm that I have no account with them and that the Experian and Transunion Credit Bureaus can simply remove it from my credit report.

  

  Business Response

  Date: 06/27/2023

  Hi ********,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2669.
  
  Based on the available information you provided through the Better Business Bureau submission, we are unable to locate your account information to proceed with our investigation.
  
  For assistance, please contact our Customer Advocacy Team at your earliest convenience by dialing **************, Monday-Friday, 7am-6pm MST.
  
  We look forward to speaking with you and resolving this matter!
  
  Thank you, 
  
  The Upgrade Team

• Initial Complaint

  Date:06/20/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am having a hard time paying on my accounts, but I am having a hard time resolving the issue. If i continue to miss payments, then i will continue to incur late fees, get further behind. I do not want to close out the accounts, but I would like an extended pause on the accounts as I pay down my debt 1 account at a time. I estimate that i will either begin paying again within 120 days or have one or both accounts paid out completely. Thank you so much for the response. My account numbers are #********* & #*********.

  

  Business Response

  Date: 06/27/2023

  Hi *******,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2663.
  
  Our records indicate that your Upgrade Card account was enrolled into a hardship program on May 19, 2023 with the first payment being due on June 3, 2023. The reduced payment was not received which resulted in your account failing the hardship program.
  
  We appreciate your efforts to keep your account with ******************** current through your financial hardship. If you would like to discuss possible options for your account, please contact our Customer Advocacy Team as soon as possible by dialing **************, Monday-Friday, 7am-6pm MST.
  
  Please be advised that, as of June 26, 2023 your Upgrade Card account is 54 days past due and your Personal Loan is 56 days past due.
  
  Thank you, 
  
  The Upgrade Team

• Initial Complaint

  Date:06/20/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Company approved me for a credit line years ago then i requested it to be closed. Company never honored my request and now are refusing to honor the credit line they already gave me. Cannot and will not re apply for the same credit line previously given.

  

  Business Response

  Date: 06/27/2023

  Hi *******,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2661.
  
  On January 26, 2021, we closed your Upgrade Card account ending in ****, as you requested. You are still able to log into your Upgrade customer dashboard in the event you wish to access any historical documents, monthly statements, etc. As a reminder, you are no longer able to request a draw or access card features through your online account.
  
  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday-Friday, 7am-6pm MST, or by email at *************************************. 
  
  Thank you, 
  
  The Upgrade Team

• Initial Complaint

  Date:06/20/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Spoke with upgrade on 6/9/23 in regards to payment assistance. Discussed options decided to continue making regular payments but did request removal of account auto draft and was informed upgrade is ok if not paid on day of as long as paid in 30 days. Opened app saw 65 days past due on 6/16/23 never notified on previous call nor in writing or by phone. I have made all payments at min that have cleared my personal account on 5/12 for *****, 5/15 for 159.00, 5/22 for ****** and 6/13 for ******. Was informed by rep today that it was a pay now error on their end and never drafted from my account when previously it did and was never notified that there was an issue. This impacted my credit and receiving calls on a timely made debt payment per my contract and due dates and payments shown on the account.I have got no explanation as to why other than now all payments ever made to this account since I opened in late 2022 have returned when they cleared my other bank account for payments. I have statements to show this.

  

  Business Response

  Date: 06/27/2023

  Hi *******,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2662.
  
  We want to thank you for providing us with your feedback and letting us know that our service did not meet your expectations. We will use this feedback in order to improve our overall customer experience. We appreciate you taking the time to bring this to our attention.
  
  As of June 22, 2023, the payment errors affecting your account have been corrected and your Upgrade Card account ending in **** is 0 days past due. We apologize for any inconvenience this may have caused.
  
  We carefully reviewed the details of your credit reporting claim and found that the information reported to the credit bureaus is accurate. Our internal records indicate that your account was last reported to the credit bureaus on May 31, 2023 as current. In addition, we do not show any delinquent reporting history or assessed late fees for your Upgrade Card account.
  
  Our goal is to always provide our customers with a positive experience, and hope we can provide you with a better experience moving forward.
  
  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday-Friday, 7am-6pm MST, or by email at *************************************. 
  
  Thank you, 
  
  The Upgrade Team

  Customer Answer

  Date: 06/27/2023

   
  Complaint: 20209969
  
  I am rejecting this response because: in regards to my balance issue. I spoke with ******* in resolution department and saying all payments are needing to be applied from the start of the account. Can this be confirmed that it will go back to balance shown prior to adjustment issue? 
  
  Sincerely,
  
  *******************************

  

  Business Response

  Date: 06/29/2023

  Hi *******,
  
  Thank you for your additional correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2662.
  
  As of June 29, 2023, your balance on your Upgrade Card is $2741.67.  If this is incorrect, we ask that you please reach out to our Customer Advocacy Team for further assistance.
  
  You can reach our Customer Advocacy Team at **************, Monday-Friday, 7am-6pm MST, or by email at *************************************. 
  
  Thank you, 
  
  The Upgrade Team

• Initial Complaint

  Date:06/19/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have paid this company off 3 times. I paid amount due and then they said I owed $11.?? So, I paid that and then they said I owed $5 more. They keep adding money plus they had I was 9 days late and delinquent and they was after I paid $1448.68. How can I be 9 days late when I paid it in full!! I called Upgrade and told them about the delinquent payment and I asked to CLOSE both accounts. I did the same for my second loan of $1008.18 and they didn't keep adding money to it. I just want them to CLOSE BOTH ACCOUNTS AND TAKE OFF THE LATE PAYMENT DELINQUENT ON MY CREDIT SINCE I PAID IT IN FULL! There is things that is NOT right with this company, cause they keep doing things that's NOT CORRECT!! PLEASE, JUST GET THEM TO CLOSE BOTH ACCOUNTS AND DO NOT CONTACT ME IN ANY WAY!! NO EMAILS, NO PHONE CALLS, NOTHING!! I WANT TO CUT ALL TIES WITH THIS COMPANY AND THEY DON'T WANT TO LET GO!! PLEASE PLEASE HELP ME!! PLUS,I DON'T WANT ANY NEGATIVE REPORTS ON MY CREDIT CAUSE I PAID THEM IN IN FULL EARLY!! I have the emails proving this but I don't know how to put them on this report.

  

  Business Response

  Date: 06/28/2023

  Hi *****,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2655.
  
  We want to thank you for providing us with your feedback and letting us know that our service did not meet your expectations. We will use this feedback in order to improve our overall customer experience. We appreciate you taking the time to bring this to our attention. 
  
  As of June 26, 2023, your Upgrade Card account ending in **** has a remaining balance of $0 and has been closed.
  
  As of June 28, 2023, your Upgrade Card account ending in **** has a remaining balance of $0 and has been closed.
  
  If you have any additional questions, please contact our Customer Advocacy Team at **************, Monday-Friday, 7am-6pm MST, or by email at *************************************. 
  
  Thank you, 
  
  The Upgrade Team

  Customer Answer

  Date: 07/05/2023

   
  Complaint: 20206324
  
  I am rejecting this response because: I WANT BOTH ACCOUNTS CLOSED AND STOP CONTACTING ME VIA EMAIL.   THE COMPANY DOES NOT WANT TO COMPLETELY CLOSE BOTH ACCOUNTS.   THE COMPANY SAID IT'S LEFT OPEN JUST IN CASE I NEED IT. THEY ALSO SAID THAT IT DOESN'T HURT YOUR CREDIT OR ANYTHING!!  BUT I WANT BOTH ACCOUNTS CLOSED FOR GOOD AND NEVER CONTACT ME IN ANY WAY!!!  UNTIL THEY CLOSE BOTH ACCOUNTS AND STOP CONTACTING ME.   I'M STILL GETTING EMAILS FROM UPGRADE.  I'M NOT GOING TO CHANGE MY MIND ABOUT USING THE ACCOUNTS!  I JUST WANT THEM TO DELETE ALL MY INFORMATION AND LEAVE ME A LONE!!!!
  
  Sincerely,
  
  *********************

  

  Business Response

  Date: 07/11/2023

  Hi *****,
  
  Thank you for your additional correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2655.
  
  We would like to confirm that your Upgrade Card accounts ending in **** and **** have been closed as of June 28, 2023. In addition, both of your Upgrade Card accounts have been opted out of all communications including calls, emails, and future marketing material.
  
  You are still able to log into your Upgrade customer dashboard in the event you wish to access any historical documents, monthly statements, etc. You are no longer able to request a draw or access card features through your online account.
  
  If you have any additional questions, please contact our Customer Advocacy Team at **************, Monday-Friday, 7am-6pm MST, or by email at *************************************. 
  
  Thank you, 
  
  The Upgrade Team

  Customer Answer

  Date: 07/12/2023

   
  Complaint: 20206324
  
  I am rejecting this response because: I want them to report paid IN FULL on my credit AND DO NOT PUT ANY MORE NEGATIVE REMARKS!!!  On my credit it still shows I owe them the same amount!!  Its been LONG ENOUGH TIME FOR THEM TO REPORT THIS TO THE CREDIT DEPARTMENT!!!  WHEN THEY DO THAT I WILL EXCEPT IT BUT NOT BEFORE I CUT ALL TIES TO THIS AWFUL COMPANY!!!
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:06/19/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  15 U.S.C **** Section 602A. States I have the right to privacy 15 U.S.C **** Section 604A Section 2: It also states a consumer reporting agency can't furnish a account without my written instructions. 15 U.S.C ****c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C ****s-2(A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code ****c 15 U.S. Code ****c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

  

  Business Response

  Date: 06/27/2023

  Hi *******,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2654.
  
  We reviewed the issue you reported to us and have concluded our investigation at this time. We determined that your Personal Credit Line through Upgrade is accurately reporting to the credit bureaus.
  
  On or about June 2, 2022, your Upgrade account was sold to *************************. Please note, the sale and assignment of your account does not alter the terms and conditions of your account or your outstanding loan through Upgrade.
  
  ************************* shall become the new servicer of your account. As a result, effective June 2, 2022, all payments and correspondence should be directed to:
  
  *************************
  PO Box 788
  ****, ** 07719
  ************
  ******************************
  
  If you have any questions regarding this transfer, please contact ************************* at ************** or online at ****************************** and speak with one of their Specialists for assistance.
  
  Thank you,
  
  The Upgrade Team

• Initial Complaint

  Date:06/19/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a refund from BestBuy for a protection plan extension that I cancelled. I received the refund on 4/22/23, but on 4/24/23, the entire amount was taken back. I have called BestBuy many times and filed a BBB complaint, but they said they didn't take it back and it was my bank. My bank said it was them. I have been going in circles, but I'm disabled and $161.63 is a lot of money for me and I missed bills as a result of this. The bank is what I get my SSI payments on, Direct Xpress card. They are who I'm filing this about now because I contested the charge and never heard anything about it. I'm not going to accept almost $200 being stolen from me.

  

  Business Response

  Date: 06/27/2023

  Hi ******,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2653.
  
  The information provided does not match our internal records. We would like to speak with you in order to move forward with resolving this issue.
  
  Please contact our Customer Advocacy Team at your earliest convenience by dialing **************, Monday-Friday, 7am-6pm MST.
  
  If you would like to schedule a time for one of our ************* Professionals to contact you at the phone number on file, please email the following information to us at *************************************:
  
  - Date you would like to be called
  - Time you would like to be called. Please include your time zone.
  
  Thank you, 
  
  The Upgrade Team

• Initial Complaint

  Date:06/16/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a loan with Upgrade and signed up for a checking account and had the loan set up on autopay. For the second time this year, they said they declined a payment and sent me an email stating they would try again in 4 business days. When the payment wasnt made I called and was told the second attempt declined when I had plenty of money in my checking account. I then made a payment over the phone and to my surprise they hit me with both charges. Lie number one When I sent an email about the issue I received an email stating it would be 5 business days to have it refunded. Lie number two. Its been 9 days and I called to see whats happening with my refund. While on the phone for an hour and talking to 5 different people I was told they didnt approve the money to be refunded until yesterday which was 8 business days. One person said they could have the money in my account today but would probably be hit twice with them pulling that refund back. Lie number three. Another person said there was nothing they could do and it would be up to 4 business days after being told it would be ***** hours. Lie number four. So Im closing my accounts with them and want people to know they are lying to their customers and dont care enough to make things right. Mind you I have it in writing that it would be 5 business days and Im already on day 9 and still nothing. Who knows if or when Ill get that refund.

  

  Business Response

  Date: 06/23/2023

  Hi ***,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2651.
  
  We want to thank you for providing us with your feedback and letting us know that our service did not meet your expectations. We will use this feedback in order to improve our overall customer experience. We appreciate you taking the time to bring this to our attention.
  
  Our records indicate that a refund in the amount of $196.98 was released to your bank account on file on June 15, 2023.  If you have not received the funds by Wednesday, June 21, 2023, please contact our Customer Advocacy Team for further assistance.
  
  Our goal is to always provide our customers with a positive experience, and hope we can provide you with a better experience moving forward.
  
  You can reach our Customer Advocacy Team at **************, Monday- Friday, 7am-6pm MST, or by email at **************************************
  
  Thank you, 
  
  The Upgrade Team

  Customer Answer

  Date: 06/23/2023

   
  Complaint: 20196075
  
  I am rejecting this response because:
  
  I should have had the funds in my account 5 business days after June 6th according to YOUR email. The funds may have been released on June 15th but was not actually in the account until June 17th. And now you say if its not in the account by the 21st to call you? I called multiple times and have never had good experience most times I called. You guys talk a good game but when it comes down to it, based on my experiences, I dont believe anything you say until I see an actual difference. 
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 06/29/2023

  Hi ***,
  
  Thank you for your additional correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2651.
  
  We sincerely apologize for the experience you've had. Our records indicate that this matter has been resolved.
  
  A refund in the amount of $196.98 was released to your bank account on file on June 15, 2023.  If you have not received the funds, please contact our Customer Advocacy Team for further assistance.
  
  We understand that this situation may have been frustrating and have provided a courtesy credit in the amount of $50 to your bank account on file for the inconvenience. Please allow 1-4 business days for the funds to be credited to your account.
  
  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday-Friday, 7am-6pm MST, or by email at *************************************. 
  
  Thank you, 
  
  The Upgrade Team

• Initial Complaint

  Date:06/16/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Due to a recent divorce and job change, I asked Upgrade, to whom had been a great lending partner, to go on a hardship program whereby my payment is reduced and then it reverts back to a normal payment after 3 months - pretty standard stuff. My normal payments were $750 and they were reduced to $225. Upon enrollment into the hardship program, I was 22 days late for ******* payment. My financial circumstances changed so I asked to end the hardship program that I was in late in May (around the 22nd) just so I could make normal payments and revert back to the normal amortization schedule of this loan. My hardship program was set to end on June 8th. My payment history is as such: April 8 - $224.77 (Auto draft) May 8 - $224.77 (Auto draft) May 22 - asked to be removed from hardship and spoke to Upgrade and they confirmed that this would all be fine on a recorded line. May 26 - Paid $749.22 June 2 - Paid $1058.90 (received an email that this was now owed so I paid it). June 8 - $224.77 (Auto draft) June 15 - $514.45 I paid those erratic amounts in between as when I asked Upgrade to go off of the hardship, it seemed that I basically had to pay the previous $750 payments and I was receiving emails that this was owed. On June 16, I received alerts from Upgrade, AMEX, and a few other credit providers that my credit score dropped 60 points. On ****, I called Upgrade again to rectify this matter and spoke to ******. He informed me that since I ended the hardship, even though I continued to pay the auto payments, this is it. Because I wanted out of the program, they reported me being 22 days late back in April even though I paid all along and then some. This is apparently their policy. When I called in May, I confirmed I would be good. I asked to speak to a supervisor and ****** would not patch me through. I would like my payment history to be reflected accordingly and that this is a terrible thing to do to a consumer who paid all along. *********************

  

  Business Response

  Date: 06/23/2023

  Hi *****,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2650.
  
  We are sorry to hear about your experience and we are currently investigating the issue you reported. Once we have concluded our investigation a Customer Advocacy Team member will reach out to you directly to discuss the findings and next steps.
  
  We appreciate your patience while we review this matter. If you have any additional questions, please contact our Customer Advocacy Team at **************, Monday-Friday, 7am-6pm MST, or by email at *************************************. 
  
  We look forward to speaking with you and resolving this matter!
  
  Thank you, 
  
  The Upgrade Team

• Initial Complaint

  Date:06/15/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a victim of identity theft. This is my official statement about the crime. Without my knowledge, someone has used my personal information to open the following fraudulent accounts: TRUIST BANK LS7211XXXX balancing $24,332 in fraudulent charges date opened 09/04/2019, UPGRADE *** 222541XXXX balancing $39,248 in fraudulent charges date opened 08/28/2019, ***************** SERVIC 346027XX balancing $120 in fraudulent charges date opened 03/08/2023, DNF ASSOCIATES 521531XXXX balancing $12,094 in fraudulent charges date opened 10/14/202 . I dont know who has done this and I have not given anyone permission to use my personal information. Please block these fraudulent accounts, fraudulent inquiries, and fraudulent personal information from my credit report. I ************************* affiant, state that the accounts mentioned here in this identity theft report were not endorsed by me, nor were done with my knowledge or consent. I further state that signatures appearing on contracts or agreements are forgeries, and were not made or authorized by me. I have not received any benefit or value in result of said contracts or agreements. I further testify, declare, and depose that at no time did I have possession of the collaterals, nor did I have any knowledge of the location of said collaterals.

  

  Business Response

  Date: 06/23/2023

  Hi ****,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 2644.
  
  We have escalated this matter to our Claims Department.  They will send you an email with an update and next steps as soon as they are available.  We appreciate your patience as we review this matter.
  
  If you have any additional questions, please contact our Customer Advocacy Team at **************, Monday-Friday, 7am-6pm MST, or by email at *************************************. 
  
  We look forward to assisting you.
  
  Thank you, 
  
  The Upgrade Team