Total complaints
2
Filed since XXXX
2 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
2 consumer complaints filed with the CFPB
This profile shows it's not in the truth in lending. The borrower agreements show {$200000.00}.'s complaint history from CFPB public records. 2 consumers have filed complaints since XXXX. The company has a 0% timely response rate and has provided relief in 0% of cases.
Total complaints
2
Filed since XXXX
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
How it's not in the truth in lending. The borrower agreements show {$200000.00}.'s 2 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
| Product | Complaints |
|---|---|
| which is an incorrect date. The 1st loan agreement states that my interest rate is 22.82 % with a loan amount of {$20000.00}. Both truths in lending statements show the amount financed is {$18000.00} with an interest rate of 26.99 %. Neither truth in lending mentions Upgrade. The borrower agreement states it will not share information outside of XXXX XXXX XXXX Upgrade has retained all of my information and has severely damaged my credit. The borrower agreement states that interest is calculated based on 365 days in a year | 1 |
| which is an incorrect date. The XXXX loan agreement states that my interest rate is 22.82 % with a loan amount of {$20000.00}. Both truths in lending statements show the amount financed is {$18000.00} with an interest rate of 26.99 %. Neither truth in lending mentions XXXX. The borrower agreement states it will not share information outside of XXXX XXXXXXXX XXXX XXXX has retained all of my information and has severely damaged my credit. The borrower agreement states that interest is calculated based on 365 days in a year | 1 |
| Issue | Complaints |
|---|---|
| to be paid off on XX/XX/XXXX and a start date of XX/XX/XXXX. The last date of the month in XXXX of XXXX is the XXXX. The borrower agreements contradict each other. One states that the jurisdiction is XXXX XXXX | 2 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
it's not in the truth in lending. The borrower agreements show {$200000.00}. has accumulated 2 consumer complaints in the CFPB public database, with filings active across 0 U.S. states. Of those submissions, 2 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to XXXX, and the most recent logged activity is XXXX. Ther, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, it's not in the truth in lending. The borrower agreements show {$200000.00}. reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "which is an incorrect date. The 1st loan agreement states that my interest rate is 22.82 % with a loan amount of {$20000.00}. Both truths in lending statements show the amount financed is {$18000.00} with an interest rate of 26.99 %. Neither truth in lending mentions Upgrade. The borrower agreement states it will not share information outside of XXXX XXXX XXXX Upgrade has retained all of my information and has severely damaged my credit. The borrower agreement states that interest is calculated based on 365 days in a year", and the single most common underlying issue is "to be paid off on XX/XX/XXXX and a start date of XX/XX/XXXX. The last date of the month in XXXX of XXXX is the XXXX. The borrower agreements contradict each other. One states that the jurisdiction is XXXX XXXX".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating it's not in the truth in lending. The borrower agreements show {$200000.00}.: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
it's not in the truth in lending. The borrower agreements show {$200000.00}. has received 2 consumer complaints filed with the Consumer Financial Protection Bureau.
it's not in the truth in lending. The borrower agreements show {$200000.00}. has a 0% timely response rate to CFPB complaints.
The most common issue reported against it's not in the truth in lending. The borrower agreements show {$200000.00}. is "to be paid off on XX/XX/XXXX and a start date of XX/XX/XXXX. The last date of the month in XXXX of XXXX is the XXXX. The borrower agreements contradict each other. One states that the jurisdiction is XXXX XXXX" in the "which is an incorrect date. The 1st loan agreement states that my interest rate is 22.82 % with a loan amount of {$20000.00}. Both truths in lending statements show the amount financed is {$18000.00} with an interest rate of 26.99 %. Neither truth in lending mentions Upgrade. The borrower agreement states it will not share information outside of XXXX XXXX XXXX Upgrade has retained all of my information and has severely damaged my credit. The borrower agreement states that interest is calculated based on 365 days in a year" product category.
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