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:06/06/2025

  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 keep getting emails about an account that I have with them. I never made an account with ********************** or flex pay. They do not reply to emails and do not answer calls. I need to know why theres an account in my name if it exists.

  

  Business Response

  Date: 06/10/2025

  Hi *******,
  

  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number 6166.
  

  We want to thank you for providing us with your feedback and letting us know that our service did not meet your expectations. Your input is valuable and will help us improve our overall customer experience.
  

  After reviewing the information you provided, we would like to clarify a few details regarding Flex Pay by Upgrade:
  

  When Uplift transitioned to Flex Pay, your account was moved to the Upgrade platform. The email you received included instructions for setting up your dashboard on Upgrade.
  

  Please note that Flex Pay currently does not have any active or open accounts, as your previous balance was paid off prior to the migration.
  

  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************. 

  We appreciate the opportunity to address your concerns.

  Thank you, 
  

  The Upgrade Team

• Initial Complaint

  Date:06/02/2025

  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.

  On 4/24/2025 I requested a payoff letter for my uplift account, that had been taken over by Upgrade. I was provided the attached letter and mailed payment same day. The account is still showing open open with a balance, and on 5/13/2025 the regular payment of ****** was taken from my account. I confirmed with my bank the check cleared for payoff on 5/8/2025. Since then I have called over 10 times and sent emails over 7 times, and every time I am promised it will be posted, but when I call back there is no record of payment. At this point no one is returning my call or emails. I am requesting the account be closed and the overpayment taken from my account be refunded to my home address via check. Also, my credit be updated to reflect the account has paid in full. Also, that they does not reflect negatively on my credit report as I have remove the auto draft so additional payments cannot be taken.

  

  Business Response

  Date: 06/06/2025

  Hi *********
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 6105.
  

  We are sorry to hear about your experience and we are currently investigating the issue(s) you reported. Once we have concluded our investigation you will receive communication once a status update is available.
  

  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************. 
  

  We appreciate your patience while we review this matter.
  

  Thank you, 
  

  The Upgrade Team 

  
  

• Initial Complaint

  Date:06/01/2025

  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.

  Upon reviewing my credit report, I noticed two late payments reported for January 2025 and April 2025 that I believe is inaccurate. I have maintained on-time payments and do not have accurate documentation that the payment was legitimately 30 days late. I am requesting a full investigation and verification of this payment. If the creditor is unable to provide sufficient evidence, I am asking that the record be updated to reflect accurate reporting.

  

  Business Response

  Date: 06/04/2025

  Hi Alysa, 
  

  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 6096.

  We apologize for the inconvenience this may have caused.

  After a careful review of your payment history, we would like to clarify that a payment was not received on February 25, 2025, and had it been made on or before February 9, 2025, it would have prevented the account from being reported to the credit bureau.

  Unfortunately, because the payment was missed and there was a pattern of previous late and missed payments, the credit reporting reflects the account's status accurately. We do see that you eventually made a double payment to cover the missed months, which we appreciate. While that helped bring the account current, it occurred after the reporting period had ended. If you have any questions or would like to discuss your options, please dont hesitate to reach out. 

  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************. 
  

  We appreciate the opportunity to address your concerns.

  Thank you,

  The Upgrade Team

  Customer Answer

  Date: 06/04/2025

   
  Complaint: 23403525
  
  I am rejecting this response because the outsbading balance was $1.74, from a balance that inadvertently carried over after the last payment amount was pre-ducted. Additionally, the late payment is being reported differently among the three credit bureaus. Specifically, Experian is showing two late payments in January 2025 and May 2025, ******* is solely reporting a late payment in January 2025 and ********** is reporting a late payment from (Celtic) bank from January 2025,

  
  Sincerely,
  
  ***** ********

  

  Business Response

  Date: 06/10/2025

  Hi Alysa, 
  

  Thank you for your additional correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 6096.

  We sincerely apologize for the inconvenience this may have caused.

  We want to clarify that your January payment was not received until February 25, 2025. We understand that circumstances can sometimes cause delays, but if the payment had been made on or before February 9, 2025, it would have prevented the account from being reported to the credit bureau.
  

  Per your loan agreement, the final scheduled payment of $71.46 was due on January 9, 2025. Unfortunately, due to the delayed payment and a pattern of previous late or missed payments, the credit reporting accurately reflects the current status of the account.

  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************. 
  
  We appreciate the opportunity to address your concerns.
  

  Best regards,
  

  The Upgrade Team
  

• Initial Complaint

  Date:05/23/2025

  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.

  continually requesting refund for loan that was paid on a flight that was cancelled with in the allowed time from the flight company

  

  Business Response

  Date: 05/29/2025

  Hi *******, 
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 6031.

  We sincerely apologize for any frustration this has caused. We understand how important it is for this process to go smoothly and appreciate your patience as we look into your concerns.
  

  After reviewing your account, here is the current status:
  

  - Loan Number: 250207402250
  - Merchant: ******************
  - Order Amount Paid to Merchant: $600.92
  - Refund Received from Merchant (to date): $0.00
  

  At this time, no refund has been issued to us by the merchant. If you have questions about the refund status or expected timeline, we recommend reaching out to ****************** directly for the most accurate information regarding your specific situation. In the meantime, you can always check the status of your loan by logging into your Member Portal.

  Should a refund be processed and sent back to Upgrade, well keep you informed at every step: Youll receive an email confirming that weve received the funds from the merchant. 

  A follow-up email will let you know once the refund has been applied to your loan, and if applicable, when a refund will be issued back to you.

  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************. 
  

  We appreciate your patience and understanding while we resolve this matter.

  Thank you,

  The Upgrade Team

  
  

  Customer Answer

  Date: 05/30/2025

   
  Complaint: 23372672
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******* ******

  Customer Answer

  Date: 05/30/2025

  it has been over 60 days.there is absolutely no reason i shouldn't have received  a refund by now

  

  Business Response

  Date: 06/02/2025

  Hi *******, 
  

  Thank you for your additional correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 6031.

  We understand that financial matters can sometimes be complex, and we want to provide clarity regarding your account.
  

  After a thorough review of your account, our records show that on January 8, 2025, you were approved for Flex Pay by Upgrade, and a Virtual Credit Card ending in 9264 was used to complete a booking with *******************
  

  We understand that you have since canceled your booking, and we sincerely regret any frustration or confusion this situation may have caused.
  

  At this time, ****************** has not issued a monetary refund to the Virtual Credit Card used for the transaction. As outlined in your loan agreement, refunds are processed directly by the merchant, as Flex Pay by Upgrade functions solely as the financing provider and does not manage merchant transactions or cancellations.
  

  To resolve this matter, we recommend contacting ****************** directly to inquire about the status of your refund.

  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************. 
  

  We appreciate the opportunity to address your concerns.
  

  Thank you,
  

  The Upgrade Team

• Initial Complaint

  Date:05/20/2025

  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.

  After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: UPLIFTINC Account #: 6135**** Balance: $0.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

  

  Business Response

  Date: 05/27/2025

  Hi Yineiry,
  

  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 5973.
  

  We apologize for the inconvenience this may have caused. We understand that financial matters can be complex, and we appreciate the opportunity to provide clarity regarding your account.
  

  ********************** is a financial technology company, and ******************** of Upgradefacilitates loans for travelers to finance their travel bookings.
  

  According to our records, you opened a closed-end loan on April 2, 2021. The promissory note and loan agreement were signed electronically and remain accessible to you through your Member Portal at ******************************.
  

  On the same day, April 2, 2021, AM Resorts Now received a disbursement of $2,349.67 for your travel booking. Subsequently, a partial refund of $922.77 was issued on May 26, 2021, which was applied toward your loan balance.
  

  We also show that one payment of $159.10 was made on May 2, 2021, toward the loan associated with account ending in *****. Unfortunately, after that payment, no further payments were received. As a result, the account became delinquent and was charged off on October 1, 2021.
  

  On or around December 9, 2021, the account was transferred to First Portfolio Ventures, a debt purchaser. After reviewing the account details, we have determined that no corrections are needed at this time.
  

  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7 am-6 pm MST, or by email at ***************************************************************. 
  

  We appreciate the opportunity to address your concerns.
  

  Thank you,

  The Upgrade Team

• Initial Complaint

  Date:05/15/2025

  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.

  Tried to book a flight using flexpay. Well, the airline told me that they didnt receive the payment from flexpay. I reached out to flexpay customer service and they told me that the loan was cancelled and to apply again. Well, I applied again and received an email to login. When I logged in I found the loan that they had told me was cancelled as being active with an upcoming automatic withdraw date of June 15. I am requesting this loan to appear as cancelled on your website and there better not be any charges on my account for a service I did not receive. This loan better not default and affect my credit because I will get legal involved. **** this company down! Over 300 + people with the same complaint! Come on BBB do something with this incompetent company

  

  Business Response

  Date: 05/21/2025

  Hi ******, 
  

  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 5942.
  

  Thank you for your patience. Wed like to update you on the status of your account.
  

  The funds were successfully sent to the merchant by Upgrade. However, it appears there was a technical issue on the merchants end, which may have been caused by the browser used (such as Safari) or the account that was logged in at the time of the transaction.
  

  Due to this error, the charge is expected to automatically fall off within 14 business days. Additionally, the loan will be reported as closed on your credit report by next month.

  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************. 
  

  We appreciate your continued patience as we work to resolve this matter.
  

  Thank you, 
  

  The Upgrade Team 
  

  Customer Answer

  Date: 05/21/2025

   
  Complaint: 23336282
  
  I am rejecting this response because:
  
  Someone is lying here either uplift or ***************************** Uplift tells all their clients that they will take 14 business days to refund their client. Then they still withdraw the money from the clients account. This company needs to be shut down! Please BBB review all the comments here for this company. 
  

  I am requesting to this loan be cancelled from Uplifts end immediately and I want a confirmation of this. I also want this to reflect on their website because as you can see attached it is still shows as Active. I already spoke to United they told that Uplift never sent them the money. 
  
  Now, Uplift is blaming safari an internet issue. So why am I being penalized for this?! 
  I also want this loan to not appear on my credit as Uplift did not disburse this money! 
  

  
  Sincerely,
  
  ****** *******

  

  Business Response

  Date: 05/27/2025

  Hi ******, 
  

  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 5942.
  

  We are sorry to hear about your experience and we are currently investigating the issue(s) you reported. Once we have concluded our investigation you will receive communication once a status update is available.
  

  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************. 
  

  We appreciate your patience while we review this matter.
  

  Thank you, 
  

  The Upgrade Team 
  
  

• Initial Complaint

  Date:05/15/2025

  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 have never conducted business with ****** but received an unauthorized fraudulent draw from my bank account in the amount of $175.33 yesterday. I filed a fraud report with my bank. I am reluctant to provide information to ******* as I do not know anything about this company.

  

  Business Response

  Date: 05/19/2025

  Hi *****, 
  

  Thank you for your correspondence through the Better Business Bureau.  We appreciate the opportunity to address your concern.
  

  Your reference number is 5937. 

  We apologize for the inconvenience this may have caused.

  Our records show that you submitted an application with Flex Pay by Upgrade (formerly Uplift) on April 13, 2025, for a purchase with Vail Resorts. Flex Pay, previously known as Uplift, allows you to make purchases and pay over time through a short-term, fixed-interest loan with low monthly payments.

  According to our records, Auto Pay was successfully set up to begin on May 13, 2025, with monthly payments of $175.33 scheduled through October 13, 2025.
  

  If you have any additional questions, please contact our Customer Advocacy Team at **************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************.

  We appreciate the opportunity to address your concerns.

  Thank you,
  

  The Upgrade Team

• Initial Complaint

  Date:05/11/2025

  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.

  The loan was issued for a motel. I arrived at the motel and the amazing staff worker asked me for payment and didnt know what uplift was . I told her I paid already but she couldnt help me. So I got a refund from the hotel to uplift . So I shouldnt owe anything , I didnt get to use the service . The money got refunded . Please stop sending me emails , stop putting stuff on my credit report and adjust this bill. I shouldnt pay for something that I didnt use and the money got refunded to you all. I called uplift and they said I have to pay the interest of $2.76 even though I didnt get a service from them. Please erase this $2.76 and leave me alone .

  

  Business Response

  Date: 05/13/2025

  Hi *****, 
  

  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 5900.
  

  We are sorry to hear about your experience and we are currently investigating the issue(s) 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 within the next 1-3 business days.
  

  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************. 
  

  We appreciate your patience while we review this matter.
  

  Thank you, 
  

  The Upgrade Team 

• Initial Complaint

  Date:05/05/2025

  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.

  The few times my family has gone to ****** I have used UPLIFT to purchase our flights. I noticed that I had three current accounts with ********************** but I have only gone on two trips, one in 2024 and one in 2025. After researching the loans linked to my account I found that loan ************** was opened on 12/31/2024 and added to my account. But I purchased our flights on 2/25/25 loan ID ************. Whoever entered the fraudulent loan ************** actually took the time to go back and attach the same flight information for my flights that I purchased on 2/25/25. I have only flown Frontier one time - with the flights on purchased on 2/25/25. And I have only flown with the group of people noted in my 2/25/25 loan - one time. I have reached out to Uplift numerous times stating that I wanted the fraudulent loan removed and the money I have paid on it reimbursed. I'm currently up to $501.72 in payments that I want reimbursed and would like the fraudulent loan removed from my account. They have only responded one time and I will include in my documentation.

  

  Business Response

  Date: 05/14/2025

  Hi ****, 
  

  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 5860.

  We apologize for the inconvenience this may have caused.

  We completely understand how concerning it can be to see unfamiliar charges or loan activity, and we want to ensure you feel fully supported as we review this matter.
  

  According to our records, Loan ID ************ was opened on 12/31/2024 for a purchase with ***************** (Confirmation #BB85US). The details of this loantotaling $1,023.84 for travel between 02/28/2025 and 03/03/2025appear to closely match another loan youve confirmed as legitimate (Loan ID ************ for $552.00), including the same travelers and airline.
  

  We truly hope this helps clarify any confusion, and were here to help every step of the way. If you still suspect identity theft or feel unsure about this loan, please dont hesitate to let us know. Your peace of mind is important to us, and we want to avoid any disruption to your travel plans.

  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************. 
  

  We appreciate the opportunity to address your concerns.

  Thank you, 

  The Upgrade Team

  Customer Answer

  Date: 05/15/2025

   
  Complaint: 23289428
  
  I am rejecting this response because: There is truly a fraudulent account.

  Please see attached documentation.

  
  Sincerely,
  
  **** *******

  

  Business Response

  Date: 05/19/2025

  Hi ****,

  Thank you for your additional correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 5860.

  We sincerely apologize for the inconvenience this may have caused.

  The image of the chat you provided does not clarify the nature of the charges in question. As previously reviewed, the charges are associated with purchases made through the merchants website:
  

  1.  FLEX ************, created on December 31, 2024, for ***************** (Confirmation #BB85US):

  - Flights from BUF to MCO on February 28, 2025, and returning on March 3, 2025, including seat selections. 

   - Total: $1,023.84

  2. FLEX ************, created on February 25, 2025, for the same ***************** itinerary (Confirmation #BB85US):
  

  - Baggage fees for the same round-trip flights.
  

  - Total: $552.00
  

  If you still believe these charges are unauthorized or fraudulent, you may file a claim by visiting **************************.

  Were here to support you through the process if you need further assistance.

  Thank you,

  The Upgrade Team

   

   

  Customer Answer

  Date: 05/20/2025

   
  Complaint: 23289428
  
  I am rejecting this response because:

  I don't understand why nobody sees that the second purchase for Frontier flights is fraudulent.  Would you PLEASE look at the documentation and Uplift / Flexpay needs to look at their own records.  The second purchase that notes it is for Frontier is using the exact same information that is on the legitimate loan that was taken out first.  Someone added the second purchase to my account and simply copy and pasted my flight information from the first flight.  The second loan is fraudulent and shouldn't have been added to my account.  I don't understand why nobody is taking the time to research both purchases to see that the second loan is fraudulent.  Someone should be taking the time to review that second loan for Frontier and following the trail to see who added it to my account.

  The second Frontier loan is 100% fraudulent.  This is NOT my loan.  I have provided more than sufficient information from Frontier, stating that I have only purchased flights and flown with them ONE TIME.  To screen shots from the Uplift account showing that the information on the second Frontier loan was copied from the legitimate loan.

  Sincerely,
  
  **** *******

• Initial Complaint

  Date:05/01/2025

  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.

  Account: ****************** 649321XX $0.00 This complaint is against Uplift, Inc. regarding their continued reporting of a closed account with a $0.00 balance under account number ********. While there may be no remaining balance, the presence of this tradeline, especially if derogatory or marked as negative, is unjustified and continues to damage my credit profile unnecessarily. I have disputed this account with both ********************** and the credit bureaus multiple times, yet no meaningful resolution has been provided. Under 15 U.S. Code 1681e(b), credit furnishers and bureaus must ensure maximum possible accuracy, and under 1681i, they are required to respond with evidence upon dispute. Uplift has failed to meet both obligations. Moreover, considering the frequency of data breaches and their role in the mishandling of consumer data, I believe this account may have been misreported in error. Uplift has not provided any explanation or correction, and their handling of the situation has been insufficient at best. I request that this account be immediately removed from all consumer credit reports, as it no longer serves any valid reporting purpose and may have originated due to inaccurate data usage.

  

  Business Response

  Date: 05/08/2025

  Hi Kiandre, 
  

  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 5837.
  

  We sincerely apologize for the inconvenience this may have caused.
  

  After careful review, we show you applied for a closed end loan on December 8, 2021, to pay for a roundtrip booking with ******************. According to our records, the final payment was due on June 8, 2022.
  

  However, our records show that the payment was not made until June 5, 2023, and any credit reporting associated with the account was accurate based on that information.

  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************. 
  

  We appreciate the opportunity to address your concerns.
  

  Thank you,
  

  The Upgrade Team