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 |
|---|---|---|---|
| Apr 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Apr 8, 2026 | Debt collection | Threatened to contact someone or share information improperlyContacted you after you asked them to stop | Explained |
| Apr 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 6, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 4, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 4, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 2, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Apr 1, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Mar 31, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 31, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 29, 2026 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Mar 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 27, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 26, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 25, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 25, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 25, 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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