Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/year> at XXXX XXXX I received a call at my place of employment from a debt collector named XXXX XXXX with XXXX XXXX XXXX regarding an Upstart loan. The call was transferred to me through our call center, where all phone lines are monitored and recorded by my employer. Despite me immediately identifying that I was at work and asking the representative not to discuss the debt, he proceeded to confirm my Social Security number, my home address, the name of the original creditor, and the full amount allegedly owed ( {$12000.00} ).

I explicitly stated that I handle sensitive financial materials and that my job depends on maintaining confidentiality and excellent credit. I asked him to stop speaking about the matter due to others being able to hear, but he ignored my request and continued to speak loudly and rudely. He eventually said, You better call me back and get off the phone youre at work!, and hung up. A representative at my job overheard the call, and I now fear this disclosure may put my employment at risk as well work place gossip which runs rapid here. 

I also have a recording of the call that documents these events. Since then, he has continued to contact me at night and after hours, which is further impacting my mental health and stability. This entire interaction has created unnecessary stress and panic during an already difficult time in my life as I recover from a XXXX  and other ongoing health issues. 


Cease and Desist & No Workplace Contact Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX RE : Cease and Desist Communication / Workplace Harassment Dear XXXX XXXX and XXXX XXXX XXXX, This letter is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ). 

On a recent date, your representative XXXX XXXX contacted me at my place of employment and disclosed details about an alleged debt to a coworker and again directly to me over recorded phone lines. This unauthorized disclosure of personal information violated my privacy and may have jeopardized my employment.

You are hereby directed to cease all communication with me at my place of employment immediately. My employer prohibits personal calls during business hours, and any further attempts to contact me at work will be documented and reported as FDCPA violations.

Additionally, I am requesting all further communication from your agency be conducted in writing only and directed to my mailing address listed above.

Under the FDCPA, you are also required to validate the debt in writing, including the name of the
original creditor, amount owed, and any documentation supporting your claim.

Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. I also reserve the right to pursue legal action for damages caused by your agencys illegal and unethical practices.

Company response to consumer: Closed with explanation