What is the most common complaint against Upstate Collection Center, Inc.?

The most common issue consumers report about Upstate Collection Center, Inc. is "Attempts to collect debt not owed", specifically "Threatened to sue you for very old debt". This is based on 11 complaints filed with the CFPB.

Are complaints against Upstate Collection Center, Inc. increasing or decreasing?

Complaints against Upstate Collection Center, Inc. have been stable. The company received 3 complaints in the last 12 months.

What is Upstate Collection Center, Inc.'s reputation grade?

Upstate Collection Center, Inc. has a reputation grade of C (score: 57.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Upstate Collection Center, Inc. respond to consumer complaints?

Upstate Collection Center, Inc. has a 89% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.

In how many states does Upstate Collection Center, Inc. operate?

Upstate Collection Center, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from New York (9 complaints).

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

Upstate Collection Center, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

3
Took or threatened to take negative or legal action

2
Cont'd attempts collect debt not owed

2
Written notification about debt

1
False statements or representation

1
Disclosure verification of debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record upstate-collection-center-inc Upstate Collection Center, Inc.

Grade C · 11 CFPB filings · 89% timely · lead issue: Attempts to collect debt not owed · vol #2456 · compose #2803

VOL 11
GRADE C
12MO 3
STATES 2
TIMELY 89%
DISPUTE 50%
ISSUE Attempts to collect debt n…
RANK #2,456
COMPOSE #2,803

Volume peers

Nearest volume peer: Accounts Interchange Group LLC (11 complaints)

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

Upstate Collection Center, Inc.'s 11 CFPB complaints sit next to Accounts Interchange Group LLC 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 →

State-heavy filing map

81.8% of Upstate Collection Center, Inc.'s CFPB filings land in New York

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: New York 81.8%; 9 of 11 filings · 2 states touched
Spike month: 2022-08 20.0%; 2 filings that month · spiky (≥15% of series)
Corpus ranks: #2,456 volume; #2,803 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Upstate Collection Center, Inc. compare to its peers?

How does Upstate Collection Center, 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

Upstate Collection Cen… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

89%

100%

91%

Consumer-dispute ratelower is better

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-10 2025-12

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	3
Took or threatened to take negative or legal action	2
Cont'd attempts collect debt not owed	2
Written notification about debt	1
False statements or representation	1
Disclosure verification of debt	1
Threatened to contact someone or share information improperly	1

Where do complaints against Upstate Collection Center, Inc. come from?

Upstate Collection Center, Inc.'s own per-state count, not a national baseline.

New York

9
Florida

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Upstate Collection Center, 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: 11.

4 peers

Know your rights before responding to Upstate Collection Center, 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.