Credit reporting
Upgrade: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 257
- Closed with money back
- 5%
- 2023 to 2025
- 66 to 124
Servicemembers filed 9.2% of Upgrade's 2,808 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 5% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 66 in 2023 to 124 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 75 |
| Payday loan, title loan, personal loan, or advance loan | 57 |
| Debt collection | 40 |
| Credit card | 27 |
| Checking or savings account | 19 |
By issue
| Incorrect information on your report | 62 |
| Problem when making payments | 21 |
| Problem with a company's investigation into an existing problem | 20 |
| Attempts to collect debt not owed | 19 |
| Charged fees or interest you didn't expect | 16 |
| 2023: 66 | 2024: 67 | 2025: 124 |
Which accounts, specifically
| Credit reporting | 101 |
| Installment loan | 50 |
| General-purpose credit card or charge card | 43 |
| Personal line of credit | 29 |
| Credit card debt | 22 |
What went wrong, specifically
| Account status incorrect | 30 |
| Account information incorrect | 30 |
| Their investigation did not fix an error on your report | 20 |
| Reporting company used your report improperly | 11 |
| Debt was result of identity theft | 10 |
Busiest month: August 2025, with 16 servicemember complaints. Most were submitted by web.
Most complaints came from TX (34), CA (31), GA (26) , then FL, AL, VA.
How Upgrade answered
| Closed with explanation | 244 | 95% |
| Closed with monetary relief | 12 | 5% |
| Closed with non-monetary relief | 1 | 0% |
Upgrade responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Payday loan, title loan, personal loan, or advance loan; Problem with the payoff process at the end of the loan. GA, 2024-08-27. Outcome: Closed with explanation. Complaint 9935839
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Payday loan, title loan, personal loan, or advance loan; Problem with the payoff process at the end of the loan. NJ, 2024-08-26. Outcome: Closed with explanation. Complaint 9925720
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. GA, 2024-08-26. Outcome: Closed with explanation. Complaint 9925274
If this is your problem at Upgrade
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with credit reporting peers
- Kikoff 231 servicemember complaints; 0% with money back
- Corelogic 214 servicemember complaints; 0% with money back
- PenFed 318 servicemember complaints; 10% with money back
- Id Analytics 201 servicemember complaints; 0% with money back
- MoneyLion 189 servicemember complaints; 6% with money back
Next in the directory by volume: Credit Karma, Synovus Bank, ProCollect.
Frequently asked questions
How many complaints did servicemembers file against Upgrade?
257 complaints tagged servicemember were received by the CFPB about UPGRADE, INC. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 66 in 2023 to 124 in 2025.
What do servicemembers complain about most at Upgrade?
Credit reporting or other personal consumer reports accounts for 75 of the 257 complaints, and the most common issue is "Incorrect information on your report" (62). Next: "Problem when making payments" (21).
Does Upgrade give money back when a servicemember complains?
5% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 1 closed with non-monetary relief and 244 closed with an explanation only. Upgrade answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.