CFPB Consumer Complaint Profile
Upstate Collection Center, Inc.
14 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 14
- Total complaints
- Below average
- 2
- Last 12 months
- 92.9%
- Timely response
- Bottom quartile
- 2
- States affected
The verdict
Upstate Collection Center, Inc. ranks #3314 of 3,843 financial companies by CFPB complaint volume, with 14 complaints on record. Its on-time response rate is 92.9%, the 23rd percentile among companies with 100+ complaints.
- #3314
- of 3,843 companies by volume
- 92.9%
- on time (23rd pctile)
- Credit reporting, cr…
- most-complained product
- 2
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Upstate Collection Center, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
92.9% Among the lowest higher than 23% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 1 |
| 2016 | 2 |
| 2017 | 2 |
| 2018 | 2 |
| 2020 | 1 |
| 2021 | 3 |
| 2024 | 1 |
| 2025 | 1 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Upstate Collection Center, Inc.
14 complaints against Upstate Collection Center, Inc. appear in the CFPB record, including 2 from the trailing year. The 2 states and territories represented put this footprint in geographically concentrated territory. "Credit reporting, credit repair services, or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Upstate Collection Center, Inc.'s timely response rate stands at 92.9%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Resolved cases drew a formal consumer-dispute rate of 50% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 14.3% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Upstate Collection Center, Inc. have?
14 complaints have been filed against Upstate Collection Center, Inc. with the CFPB overall - 2 of them in the past year.
Does Upstate Collection Center, Inc. respond to complaints on time?
Upstate Collection Center, Inc. has a 92.9% timely response rate to CFPB complaints.
What product generates the most complaints for Upstate Collection Center, Inc.?
"Credit reporting, credit repair services, or other personal consumer reports" draws more CFPB complaints against Upstate Collection Center, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Upstate Collection Center, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about Upstate Collection Center, Inc.; the full issue list with counts is above.
How do I file a complaint against Upstate Collection Center, Inc.?
You can file a complaint against Upstate Collection Center, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Upstate Collection Center, Inc.?
Consumers in 2 states and territories have filed complaints about Upstate Collection Center, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Upstate Collection Center, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (50% here).
Also handles Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Upstate Collection Center, Inc. have?
14 complaints have been filed against Upstate Collection Center, Inc. with the CFPB overall - 2 of them in the past year.
Does Upstate Collection Center, Inc. respond to complaints on time?
Upstate Collection Center, Inc. has a 92.9% timely response rate to CFPB complaints.
What product generates the most complaints for Upstate Collection Center, Inc.?
"Credit reporting, credit repair services, or other personal consumer reports" draws more CFPB complaints against Upstate Collection Center, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Upstate Collection Center, Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about Upstate Collection Center, Inc.; the full issue list with counts is above.
How do I file a complaint against Upstate Collection Center, Inc.?
You can file a complaint against Upstate Collection Center, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Upstate Collection Center, Inc.?
Consumers in 2 states and territories have filed complaints about Upstate Collection Center, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.