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 |
|---|---|---|---|
| May 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 1, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 1, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 1, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 28, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Apr 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Apr 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 27, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Apr 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 22, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 21, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 14, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | 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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