I was a customer of Upgrade since 2023 with no issues until my wallet was stolen. Three consecutive unauthorized charges totaling nearly $5,000 were made at my local Apple Store. Upgrade did not flag the activity, did not send a fraud alert, and did not contact me. The only email I received was a low-balance notification.
Every other card issuer I use detected the fraud immediately. Upgrade did not.
I filed a police report and contacted the Apple Store, which flagged the transactions and was willing to cooperate. Upgrade never contacted the merchant, refused my police report case number, and made no effort to investigate. After nearly two weeks, my claim was denied for “lack of evidence” — evidence they chose not to obtain.
If you expect your bank to protect you from fraud or even attempt an investigation, Upgrade is not it.
i will appeal, but if they stick to their decision, i will take them to small courts
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