What is the most common complaint against Upgrade, Inc.?

The most common issue consumers report about Upgrade, Inc. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 1,046 complaints filed with the CFPB.

Are complaints against Upgrade, Inc. increasing or decreasing?

Complaints against Upgrade, Inc. are rising. The company received 679 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Upgrade, Inc.'s reputation grade?

Upgrade, Inc. has a reputation grade of F (score: 46.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Upgrade, Inc. respond to consumer complaints?

Upgrade, Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Upgrade, Inc. operate?

Upgrade, Inc. has received CFPB complaints from consumers in 48 states, with the most complaints from Texas (164 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Upgrade, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 48 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

397
Attempts to collect debt not owed

377
False statements or representation

105
Written notification about debt

100
Communication tactics

40
Threatened to contact someone or share information improperly

16

Data updated September 2026

CFPB complaint disposition

CCDB record upgrade-inc Upgrade, Inc.

Grade F · 1,046 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #148 · compose #4466

VOL 1,046
GRADE F
12MO 679
STATES 48
TIMELY 100%
ISSUE Took or threatened to take…
RANK #148
COMPOSE #4,466

Volume peers

Nearest volume peer: Toyota Motor Credit Corporation (1,044 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Upgrade, Inc.'s 1,046 CFPB complaints sit next to Toyota Motor Credit Corporation on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Texas is the plurality state for Upgrade, Inc. (15.7%)

Volume rank #148 and composite rank #4,466 diverge by 4,318 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 15.7%; Mid-band (15–30%) · 48 states with ≥1 filing
Seasonal peak: 2026-01 13.3%; 8–15% band · 24 filings
Divergent corpus ranks: #148 volume; #4,466 composite; Cleanest-composite ladder is 4,318 places worse than volume

How does Upgrade, Inc. compare to its peers?

How does UPGRADE, INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

UPGRADE, INC. National average

Complaints (last 12 mo)lower is better

679

378

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	397
Attempts to collect debt not owed	377
False statements or representation	105
Written notification about debt	100
Communication tactics	40
Threatened to contact someone or share information improperly	16
Electronic communications	11

Where do complaints against Upgrade, Inc. come from?

Upgrade, Inc.'s own per-state count, not a national baseline.

Texas

164
California

133
Florida

113
Georgia

70
North Carolina

49
Illinois

47
New Jersey

38
Pennsylvania

35

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Upgrade, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 1,046.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.88109393579072%.

4 peers

Know your rights before responding to Upgrade, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.