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

Data updated July 2026

F

Grade F · 48.7/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Upgrade, Inc. ranks ahead of 12% of the 5,283 collectors PlainCollector grades - 88% keep a cleaner CFPB record, on 1,046 all-time complaints and a 100% timely-response rate.

12th pct
reputation rank of 5,283 graded collectors
1,046
CFPB complaints, all-time
100%
answered inside the CFPB window
679
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Upgrade, Inc.?

Upgrade, Inc. has accumulated 1,046 total CFPB complaints across 48 states, with 679 filed in the most recent 12 months against 367 historical complaints before that window. The trailing-12-month volume represents 64.9% 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". The company posts a 100% timely-response rate.

Complaints have been recorded across 48 states, led by Texas with 164 and California with 133. Normalized against the full CFPB collector database, the reputation score of 48.7/100 places Upgrade, Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

1,046

high-volume (CCDB)

Last 12 months

679

64.9% of all-time complaints

Rising ↑

States active

48

multi-region footprint

Timely response rate

100%

excellent band

Reputation grade

F

48.7/100 composite

How does Upgrade, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

49 Bottom 12% higher than 12% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Upgrade, Inc. versus the debt-collection vertical average.

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 85.7%

Share of US states + territories with at least one filed complaint against this collector.

How does Upgrade, Inc. compare to its peers?

How does UPGRADE, INC. compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Upgrade, Inc. contacts you

A grade of F signals how Upgrade, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Upgrade, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Upgrade, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 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: 48.7/100), 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).

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

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.