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

CFPB complaint data Grade F 1,046 complaints

Upgrade, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 48 states, reputation grade F.

Complaints by issue type

What consumers report about Upgrade, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #475

  • VOL 1,046
  • GRADE F
  • 12MO 679
  • STATES 48
  • TIMELY 100%
  • ISSUE Took or threatened to take…
  • RANK #148
  • COMPOSE #475

Volume peers

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

ORG GC GP Buyer, LLCORG GC GP Buyer, LLC1,039AR Resources, Inc.AR Resources, Inc.1,041Toyota Motor Credit CorporationToyota Motor Credit Corporat…1,044Upgrade, Inc. (this)Upgrade, Inc. (this)1,046Colony Brands, Inc.Colony Brands, Inc.1,055
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 →

How the 1,046 complaints break down

Every complaint issue type on record for Upgrade, Inc., not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
46.2/100
Upgrade, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
1,046
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#148 volume
#475 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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%
100%
91%
Consumer-dispute ratelower is better
0%
19%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Upgrade, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 70%80%90%100%110% 5%10%15%20%25% Timely response rate (%) Dispute rate (%) Upgrade, Inc. vs. 9 similar-volume peers, by response speed and dispute rate TOYOTA MOTOR CREDIT CORPORATIONAR Resources, Inc.ORG GC GP BUYER, LLCColony Brands, Inc.Populus Financial Group, Inc. (F/K/A Ace Cash Express)Trident Asset Management, L.L.C.Alorica Inc.American Coradius International LLCR & B Corporation of Virginia
Source: CFPB Consumer Complaint Database

Upgrade, Inc.'s complaint volume in context

Upgrade, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

1,046 Top 3% higher than 97% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Upgrade, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against Upgrade, Inc.

Across 48 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.