Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: VA

Complaint narrative:
Subject : Follow-Up Complaint Regarding Upgrade, XXXX ( CFPB Case No. XXXX ) and new added Bounce AI Dear CFPB XXXX This letter serves as a formal follow-up and expanded complaint related to my prior CFPB case ( Complaint No. XXXX ) concerning XXXX, XXXX and its subsequent sale of my account to Bounce AI. The issues originally reported have not been corrected and, in fact, have worsened through ongoing inaccurate balance reporting, false credit entries, and unauthorized postcharge-off fees. 

Facts and Background I held an account with XXXX XXXX XXXX, which they later sold and subsequently repurchased because I had a payment arrangement with them when they inaccurately sold the account. 

When XXXX contacted me after repurchasing the account, they explained that it would remain categorized as a charge-off, but that I would be responsible for paying the full outstanding balance, not a settlement or reduced amount. I agreed to continue under those terms. 

After repurchasing the account, XXXX began adding unauthorized fees and charges. These additions occurred after the account had already been charged off, and I realized that no new fees should have been added during that period. 

I discovered that both the balance and the credit reporting were inaccurate. 

When I disputed these inaccuracies, XXXX failed to correct them. I was repeatedly told that the balance and reporting would be reviewed, but the promised corrections never occurred. Because of this, I stopped making payments ; I could not continue paying on an account that contained an inaccurate balance and false credit information. I also noticed that Upgrades representatives were not accurately documenting my calls nor returning my emails, which misrepresented my attempts to resolve the issue. 

In Upgrades public response to CFPB XXXX XXXX, they incorrectly stated that the amount I agreed to pay represented a settlement for less than the full balance. This is false. The amount reflected the actual full balance owed prior to the unauthorized fees being added, which Upgrade itself set for me to make payments on. I have attached written proof confirming this fact. I request that XXXX be required to delete its false reporting : the amount was not a settlement for less but the verified balance at that time. The amount shown on my credit report is inaccurate. 

XXXX later sold the account to Bounce AI, which is now attempting to collect an inflated balance that includes all unauthorized postcharge-off fees. Bounce AI was notified on several occasions, but still placed a collection on my credit and begin collections of a wrong amount. 

Pattern evidence and double-charge-off concern : Public data show that the XXXX XXXX XXXX lists over XXXX complaints against XXXX, XXXX in the past three years, many involving credit-reporting issues. This suggests my experience is not isolated. In my case, XXXX appears to have re-aged and effectively charged off the same account twice after adding post-charge-off fees, and then transferred that inflated balance to Bounce AI. All evidence attached. I ask the Bureau to determine whether this constitutes improper re-aging and a prohibited double charge-off and to require full correction. 

Requested Action Re-open or consolidate this complaint with CFPB XXXX XXXX. 

Investigate Upgrade and Bounce AI for unlawful account handling, inaccurate reporting, and double-charge-off activity. 

Require XXXX to correct its public record to show that my payment arrangement was for the full balance, not a settlement for less. 

Require both entities to remove inaccurate late payments, duplicate charge-offs, and disputed balances from my credit report. 

Adjust the account to exclude all unauthorized postcharge-off fees. 

Determine whether Bounce AIs continued collection on an inflated balance violates the FDCPA. 

Take enforcement or compliance action as appropriate. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation