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

CFPB complaint data Grade C 11 complaints

Upstate Collection Center, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade C.

Complaints by issue type

What consumers report about Upstate Collection Center, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 62.3/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

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

The verdict

A reputation grade of C: Upstate Collection Center, Inc. ranks ahead of 50% of the 5,283 collectors PlainCollector grades - 50% keep a cleaner CFPB record, on 11 all-time complaints and a 89% timely-response rate.

50th pct
reputation rank of 5,283 graded collectors
11
CFPB complaints, all-time
89%
answered inside the CFPB window
3
in the last 12 months (stable)

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 Upstate Collection Center, Inc.?

Upstate Collection Center, Inc. has accumulated 11 total CFPB complaints across 2 states, with 3 filed in the most recent 12 months against 8 historical complaints before that window. The trailing-12-month volume represents 27.3% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Threatened to sue you for very old debt". The company posts a 89% timely-response rate against a 50% consumer-dispute-after-response rate.

Complaints have been recorded across 2 states, led by New York with 9 and Florida with 2. Normalized against the full CFPB collector database, the reputation score of 62.3/100 places Upstate Collection Center, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

11

low-volume (CCDB)

Last 12 months

3

27.3% of all-time complaints

Stable →

States active

2

limited footprint

Timely response rate

89%

acceptable band

Consumer disputes

50%

high (vertical avg ~19%)

Reputation grade

C

62.3/100 composite

How does Upstate Collection Center, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

62 50th percentile higher than 50% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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

Upstate Collection Center, Inc. versus the debt-collection vertical average.

Timely response within SLA 88.9%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 50.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 3.6%

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

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, drawn from 10 collectors with a comparable complaint count
Upstate Collection Cen… National average
Complaints (last 12 mo)lower is better
3
5
268
Timely-response ratehigher is better
89%
100%
91%
Consumer-dispute ratelower is better
50%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-10 2025-12

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Upstate Collection Center, Inc.

Across 2 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Upstate Collection Center, Inc. contacts you

A grade of C signals how Upstate Collection Center, 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 Upstate Collection Center, 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 Upstate Collection Center, 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 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: 62.3/100), 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).

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.