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

CFPB complaint data Grade F 865 complaints

Upstart Holdings, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 43 states, reputation grade F.

Complaints by issue type

What consumers report about Upstart Holdings, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record upstart-holdings-inc Upstart Holdings, Inc.

Grade F · 865 CFPB filings · 99% timely · lead issue: Took or threatened to take negative or legal action · vol #174 · compose #476

  • VOL 865
  • GRADE F
  • 12MO 575
  • STATES 43
  • TIMELY 99%
  • ISSUE Took or threatened to take…
  • RANK #174
  • COMPOSE #476

Volume peers

Nearest volume peer: GLA Collection Company, Inc. (863 complaints)

R.M. Galicia, Inc.R.M. Galicia, Inc.852GLA Collection Company, Inc.GLA Collection Company, Inc.863Upstart Holdings, Inc. (this)Upstart Holdings, Inc. (this)865Atlanticus Services CorporationAtlanticus Services Corporat…871Cedars Business Services, LLCCedars Business Services, LLC873
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Upstart Holdings, Inc.'s 865 CFPB complaints sit next to GLA Collection Company, Inc. 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 865 complaints break down

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

Reputation score breakdown

F
Composite reputation score
46.2/100
Upstart Holdings, 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
865
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
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.

Distributed filing map

Upstart Holdings, Inc. spreads filings across 43 states - California leads at only 14.2%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
California still leads at 14.2% across 43 states
Seasonal peak
2025-10 9.9%
8–15% band · 14 filings
Corpus ranks
#174 volume
#476 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Upstart Holdings, Inc. compare to its peers?

How does Upstart Holdings, 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
Upstart Holdings, Inc. National average
Complaints (last 12 mo)lower is better
575
134
268
Timely-response ratehigher is better
99%
99%
91%
Consumer-dispute ratelower is better
0%
28%
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 Upstart Holdings, 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 90%92%94%96%98%100%102% 10%15%20%25%30%35% Timely response rate (%) Dispute rate (%) Upstart Holdings, Inc. vs. 9 similar-volume peers, by response speed and dispute rate GLA Collection Company, Inc.Atlanticus Services CorporationCedars Business Services, LLCR.M. Galicia, Inc.Synergetic Communication IncArmy and Air Force Exchange ServiceLinebarger Goggan Blair & Sampson LLPPNC Bank N.A.Ditech Financial LLC
Source: CFPB Consumer Complaint Database

Upstart Holdings, Inc.'s complaint volume in context

Upstart Holdings, 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)

865 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. Upstart Holdings, 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
402
Attempts to collect debt not owed
244
False statements or representation
88
Written notification about debt
77
Communication tactics
30
Threatened to contact someone or share information improperly
14
Electronic communications
10

Where do complaints against Upstart Holdings, Inc. come from?

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

Top states by complaints against Upstart Holdings, Inc.

Across 43 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 Upstart Holdings, 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: 865.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.14040114613181%.

4 peers

Know your rights before responding to Upstart Holdings, 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.