Consumer complaint received 2018-10-28
Company: Upgrade, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
on XX/XX/2018 I applied for a personal loan at upgrade.com after receiving a pre-approval via mail. I was approved for the loan based on my credit history and was told that the only thing I needed to do was to verify that the banking info I provided was indeed my account so that when the deposit for my loan was made it would go into the correct account. once again at this point I already provided ID Bank statements, Proof of income etc..and was Approve for the loan. A Rep called me back and once again stated I needed to log into my personal bank account via upgrade.com site where I would receive " my loan '' just to ensure that the routing and account number matched and belonged to me. After doing so the rep advised me that the loan would be deposited in approximately 3-5 business days and my first payment will be due 30 days after the loan deposited.the following day on XX/XX/2018 a rep called and said he had a few questions about a transaction on my banking statement a month ago from XXXX  shocked at this point because I was never told that me logging into my account to " verify my routing and account number '' included them monitoring my transactions from a month ago. Never the less I went ahead and explained that it was indeed a payday loan that doesnt report to the credit bureaus and it was resolved if it was really that important to know. The rep Then challenged my answer by stating he was currently looking at XXXX and see that they offer lines of credit and that should report. I then again explained that XXXX doesnot report anything to the credit bureaus and since he was online he could XXXX   that to verify what i was telling him was correct or call them his self. The rep then said he understood and would call me back. Later on that day ( XX/XX/18 ) at exactly XXXX XXXX for 41 miutes I spoke to a supervisor named XXXX who said she have to go back and declined my loan because of a transaction ( from my personal bank ) from an online web site ( XXXX ) that could possibly be a recent loan and I cant have a new loan less than 60 days because it could effect my credit score if it report later which would Later make me en eligible for the loan. Now extremely frustrated but calm and pleading my case.. I explained that XXXX doesnt report to the credit bureaus and I got the loan in XXXX in which she indeed saw so if it was to report it would've reported already. I explained that she could contact them I could do a conference call, I could even fax over documentation or she could look on the website. Ms.XXXX then stated she cant look on the website or do any of the above to verify. she said it COULD be a payday loan and i COULD be telling the truth but she cant go off of the possibility. this was very contradicting because the supervisors rep that i talked to earlier had already explained that both him and her was looking up the website to get info. Fast forward I was denied the loan not due to my credit worthiness or my payment history but simply because my personal banking transaction that has NOTHING to do with the information they retrieved from my credit report at that time Especially if I was already approved. I was never told that they would snoop through my banking info, I was told the sole purpose of logging into my banking through their site was to confirm my routing and account number not dissect my transactions. I feel as if this company has invaded my privacy as well as violated federal laws and discriminated against me based upon something that was not factual. XXXX payday loan doesn't and will never report to my credit or anyone elses and legally a persons income That doesn't effect credit worthiness is considered an illegal way to deny a person and that being the ONLY reason. As A result I have obtained an attorney and will file a civil lawsuit based upon invasion of privacy and discrimination/denial based upon income that doesn't effect credit worthiness. it is My legal right as a U.S citizen to have equal opportunity with any financial company and upgrade.com failed to show me that and this complaint is step 1 of my civil lawsuit.

Company response to consumer: Closed with explanation