Debt collection
Upstart debt collection complaints
Consumers have filed 996 complaints about Upstart's debt collection, 540 in the last 12 months (+84%). Upstart answered 100% on time and closed 0% with relief. See the whole Upstart record.
Upstart 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 | Upstart | 540 | 100% | 0% |
Latest Upstart debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Nov 12, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | In progress |
| Nov 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Nov 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Nov 6, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | In progress |
| Nov 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | In progress |
| Nov 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Nov 4, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | In progress |
| Nov 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | In progress |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 24, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Oct 22, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 21, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 17, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 14, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Oct 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 11, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | 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
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