Upgrade, Inc. Consumer Complaints
Upgrade, Inc. has received 4,117 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 4,117 total complaints on file with the CFPB.
- Most complaints are about Credit reporting or other personal consumer reports (1,220).
- Timely response rate: 99.8%.
- Consumer disputed rate: 0.0% of resolved complaints.
Complaints by Product
The following table shows how complaints against Upgrade, Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Credit reporting or other personal consumer reports | 1,220 | 29.6% |
| Debt collection | 900 | 21.9% |
| Payday loan, title loan, personal loan, or advance loan | 418 | 10.2% |
| Checking or savings account | 334 | 8.1% |
| Credit reporting, credit repair services, or other personal consumer reports | 321 | 7.8% |
| Payday loan, title loan, or personal loan | 309 | 7.5% |
| Credit card or prepaid card | 297 | 7.2% |
| Credit card | 275 | 6.7% |
| Vehicle loan or lease | 18 | 0.4% |
| Money transfer, virtual currency, or money service | 17 | 0.4% |
| Debt or credit management | 4 | 0.1% |
| Prepaid card | 2 | 0.0% |
| Mortgage | 1 | 0.0% |
| Student loan | 1 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about Upgrade, Inc..
Company Response Breakdown
When consumers file complaints, Upgrade, Inc. responds in one of several ways. The breakdown below shows how Upgrade, Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 3,900 | 94.7% |
| Closed with monetary relief | 149 | 3.6% |
| In progress | 45 | 1.1% |
| Closed with non-monetary relief | 23 | 0.6% |
Complaints by State
Top states where consumers have filed complaints against Upgrade, Inc..
| State | Complaints |
|---|---|
| California | 539 |
| Texas | 495 |
| Florida | 431 |
| Georgia | 239 |
| Illinois | 195 |
| New Jersey | 195 |
| North Carolina | 162 |
| New York | 157 |
| Pennsylvania | 154 |
| Ohio | 122 |
| Michigan | 117 |
| Virginia | 108 |
| Arizona | 88 |
| South Carolina | 79 |
| Alabama | 74 |
| Nevada | 68 |
| Tennessee | 68 |
| Indiana | 59 |
| Maryland | 58 |
| Washington | 54 |
Your Rights
What to do if you have a complaint against Upgrade, Inc.
- Contact Upgrade, Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Upgrade, Inc. have?
Upgrade, Inc. has 4,117 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Upgrade, Inc.?
The most common issue reported is Incorrect information on your report with 981 complaints.
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How do I file a complaint against Upgrade, Inc.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Upgrade, Inc. respond to complaints on time?
Upgrade, Inc. has a 99.8% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.