Total CFPB complaints
841
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 841 complaints
UPGRADE, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 45 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about UPGRADE, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
302 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
278 complaints
- False statements or representation 87
False statements or representation
87 complaints
- Written notification about debt 81
Written notification about debt
81 complaints
- Communication tactics 19
Communication tactics
19 complaints
F
Grade F · 48.7/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about UPGRADE, INC.?
UPGRADE, INC. has accumulated 841 total CFPB complaints across 45 states, with 551 filed in the most recent 12 months against 290 historical complaints before that window. The trailing-12-month volume represents 65.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 45 states, led by Texas with 118 and California with 104, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 48.7/100 places UPGRADE, INC. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
551
65.5% of total history
Rising ↑
States active
45
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
F
48.7/100 composite
Response-quality profile
How UPGRADE, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 80.4%
Share of US states + territories with at least one filed complaint against this collector.
How does UPGRADE, INC. compare to its peers?
UPGRADE, INC. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action278 (%)
Attempts to collect debt not owed302 (%)
False statements or representation87 (%)
Written notification about debt81 (%)
Communication tactics19 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 268 |
| Attempts to collect debt not owed | Debt is not yours | 160 |
| Attempts to collect debt not owed | Debt was result of identity theft | 107 |
| False statements or representation | Attempted to collect wrong amount | 87 |
| Written notification about debt | Didn't receive enough information to verify debt | 43 |
| Attempts to collect debt not owed | Debt was paid | 35 |
| Written notification about debt | Didn't receive notice of right to dispute | 27 |
| Communication tactics | Frequent or repeated calls | 19 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 11 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 10 |
Where do complaints against UPGRADE, INC. come from?
The states where consumers have filed the most CFPB complaints against UPGRADE, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against UPGRADE, INC.
Across 45 states with at least one filing
- Texas
Texas
118 complaints
- California
California
104 complaints
- Florida
Florida
90 complaints
- Georgia
Georgia
59 complaints
- Illinois 41
Illinois
41 complaints
- North Carolina 40
North Carolina
40 complaints
- New Jersey 34
New Jersey
34 complaints
- South Carolina 30
South Carolina
30 complaints
Frequently Asked Questions
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 841 complaints filed with the CFPB.
Are complaints against UPGRADE, INC. increasing or decreasing? ▼
Complaints against UPGRADE, INC. are rising. The company received 551 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: 48.7/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 45 states, with the most complaints from Texas (118 complaints).
What can I do if UPGRADE, INC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If UPGRADE, INC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |