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Upgrade complaints

1,847 complaints in the last 12 months · trend ▲ 46.5% (last 12 mo 1,847 vs prior 12 mo 1,261) · timely response 99.9% (last 36 mo)

Complaints per year

• 202047
• 2021192
• 2022469
• 2023572
• 2024755
• 20251,481
• 2026*1,404

*2026 is year-to-date through 2026-10-12.

Top issues (last 36 months, 3,774 complaints)

• Incorrect information on your report956 (25%)
• Took or threatened to take negative or legal action429 (11%)
• Attempts to collect debt not owed359 (10%)
• Problem with a company's investigation into an existing problem359 (10%)
• Improper use of your report297 (8%)

Products

• Credit reporting or other personal consumer reports1,472
• Debt collection1,052
• Payday loan, title loan, personal loan, or advance loan572
• Checking or savings account336

How the company responded

• Closed with explanation3,674
• Closed with monetary relief44
• In progress38
• Closed with non-monetary relief18

Insurance / charter status

Not an FDIC/NCUA-insured institution itself

CFPB company name(s): UPGRADE, INC.. Brands: Upgrade. Data as of 2026-10-12. See it in the CFPB database ↗

CFPB: complaints are not verified and are not a statistical sample; counts track company size and product mix. Per-$1B-deposit rates divide last-12-month complaints by FDIC-reported domestic deposits of the mapped bank, and the CFPB entity can include non-bank products.

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FAQ

How many complaints does Upgrade get?

1,847 CFPB complaints in the 12 months to 2026-10-12.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.