Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UPGRADE, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX There are too many XXXX, & Cultural Diversity issues of professional bias that needs to ethically address that this Business is deliberately ignoring to answer my Claim Request by phone asking for validation & proof of documentation that was utilized by XXXX XXXX within my Debit card claim. Police XXXX & the XXXX of Virginia has cited the merchant, & taking out his, XXXX machines Company did not process my claim with accuracy which is why they refuse to respond appropriately. This on a recorded call was requested to be mailed last week. I will also control regarding these worthless phone managers that do nothing to advocate for the XXXX XXXX XXXX which in line on reciprocity Upgrade is by Law required to follow Regulation E by Federal code. I demand my Documentation from all Claims I'm owed refunds for as of still today. Without Visa evidence these agents have broken the law. 

This is not a Duplicate complaint nor an internet crime this is Compliance fraud of their XXXX XXXX XXXX XXXX XXXX XXXX who refused to send my XXXX XXXX XXXX XXXX XXXX XXXX Upgrade XXXX XXXX XXXX XXXX XXXX XXXX Continued to lie & say that this contact belonged to XXXX XXXX which in fact on monitored & recorded calls XXXX XXXX States it never received the cases at all from Any of the Upgraded managers listed in my summary. This complaints extends to their employee abuse and internal obstruction of Investigation lead by the Report given & provided to them to receive my Refund. XXXX XXXX XXXX XXXX XXXX board of directors will also be reported for violated homeland consumer privacy of private class citizens. Upgrade Visa Disputes Cases # XXXX Case # XXXX Case # XXXX Case # XXXX Case # XXXX Police Report # XXXX XXXX. XXXX for XXXX Claims. The card was left at the XXXX for over XXXX, multilated & XXXX never replaced it when I asked. So XXXX XXXX finally mailed me a replacement. Upgrade owned by XXXX XXXXXXXX XXXX  is a XXXX XXXX  risk to Homeland Security. Nobody wants to work or answer the phone when you call they make you wait for hours to find managers in the United States who never provide agent ID # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all lie for each other making their inconspicous comments unbelievable XXXX  XXXX XXXX along with other unknown names claim work for Upgrade or XXXX XXXX which is XXXX a lie cause when I asked for XXXX XXXX XXXX Directors XXXX XXXX, XXXX XXXX & XXXX XXXX to be involved in getting my money back. Upgrade to date owes me over {$800.00} which has not beenn sent by check in the mail as promised. They closed my account with pending open Debit card Claims in retaliation for contacting the CFPB about them. Please dont allow them to lie to the Government & fully investigate the individuals involved in managing my XXXX Disputes. I told your legal team from day one I had a Sgt at the police dept submit a report for your analyst to submit to XXXX XXXX Now exactly where is my money? You can illegally close account without access to my Refunds in my external checking account. Your XXXX abuse against Indians will be reported to the XXXX XXXX regardingyour Discrimination against XXXX XXXX citizens. This money legally belongs to me & not Upgrade & I request they provide legal evidence from XXXX they can prove they ever sent data or disputes to the XXXX XXXX XXXX XXXX XXXX I expect my money this week or I will be giving my experience to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation