United Credit and Collections Inc.
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Other debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2016 | 1 |
| 2017 | 8 |
| 2018 | 4 |
| 2019 | 5 |
| 2020 | 4 |
| 2021 | 5 |
| 2022 | 15 |
| 2023 | 20 |
| 2024 | 30 |
| 2025 | 45 |
| 2026 | 5 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for United Credit and Collections Inc.
The CFPB has logged 115 debt-collection complaints against United Credit and Collections Inc., 81% of the 142 complaints filed against this entity overall. Consumers in 25 states and territories have filed reports, putting this collection operation in multi-state territory by complaint volume. The most common debt type behind these complaints is "Other debt," which is the category consumers most often describe when they file a CFPB report about this collector. The specific issue named most is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction with this collector.
Within the Bureau's 15-day response window, this company answers 97.9% of forwarded complaints. That figure meets the industry benchmark and indicates an intake process that is functioning on schedule. Among resolved cases, 9.2% ended with monetary or non-monetary relief to the consumer - a notably low rate worth weighing against the dispute percentage. The response was formally disputed in 25% of resolved cases, indicating how frequently the initial fix fell short.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does United Credit and Collections Inc. have?
The CFPB has logged 115 debt-collection complaints against United Credit and Collections Inc., 81% of all complaints filed against this company.
Does United Credit and Collections Inc. respond to complaints on time?
97.9% of the CFPB complaints against United Credit and Collections Inc. get a response within the expected window. That is a strong response record by CFPB standards.
Does United Credit and Collections Inc. provide relief to consumers?
United Credit and Collections Inc. closed 9.2% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does United Credit and Collections Inc. primarily collect?
United Credit and Collections Inc. primarily collects "Other debt" based on CFPB complaint data. The full breakdown of debt types is shown above.
What rights do I have against United Credit and Collections Inc.?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is United Credit and Collections Inc. active?
United Credit and Collections Inc. has received consumer complaints from 25 states and territories, based on CFPB data.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.