Debt collection
Upgrade debt collection complaints
Consumers have filed 1,166 complaints about Upgrade's debt collection, 583 in the last 12 months (+55%). Upgrade answered 100% on time and closed 0% with relief. See the whole Upgrade record.
Upgrade against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Upgrade | 583 | 100% | 0% |
Latest Upgrade debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| May 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 22, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| May 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 22, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 22, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 22, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 16, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 15, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 14, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| May 14, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 14, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about Upgrade
No comments yet. Start the conversation - questions are welcome too.