CFPB Consumer Complaint Profile
United Acceptance Inc.
Behind the 51 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 51
- Total complaints
- Mid-range
- 0
- Last 12 months
- 90.2%
- Timely response
- Bottom quartile
- 13
- States affected
The verdict
51 CFPB complaints put United Acceptance Inc. at #1807 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 90.2%, the 19th percentile for the 100+ complaint peer group.
- #1807
- of 3,843 companies by volume
- 90.2%
- on time (19th pctile)
- Debt collection
- most-complained product
- 13
- 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.
United Acceptance Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
90.2% Among the lowest higher than 19% 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 | 8 |
| 2015 | 3 |
| 2016 | 2 |
| 2017 | 10 |
| 2018 | 14 |
| 2019 | 6 |
| 2020 | 8 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for United Acceptance Inc.
51 complaints against United Acceptance Inc. appear in the CFPB record, including 0 from the trailing year. The 13 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, United Acceptance Inc. posts a 90.2% reply rate on forwarded complaints. 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 35.7% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 5.9% 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 United Acceptance Inc. have?
The CFPB has logged 51 complaints against United Acceptance Inc. to date, of which 0 came in over the last 12 months.
Does United Acceptance Inc. respond to complaints on time?
CFPB complaints against United Acceptance Inc. draw a 90.2% timely-response rate inside the expected window.
What product generates the most complaints for United Acceptance Inc.?
Among all products tied to United Acceptance Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with United Acceptance Inc.?
The most common issue reported by consumers about United Acceptance Inc. is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against United Acceptance Inc.?
You can file a complaint against United Acceptance 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 United Acceptance Inc.?
United Acceptance Inc. has drawn CFPB complaints from 13 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for United Acceptance 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 (35.7% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does United Acceptance Inc. have?
The CFPB has logged 51 complaints against United Acceptance Inc. to date, of which 0 came in over the last 12 months.
Does United Acceptance Inc. respond to complaints on time?
CFPB complaints against United Acceptance Inc. draw a 90.2% timely-response rate inside the expected window.
What product generates the most complaints for United Acceptance Inc.?
Among all products tied to United Acceptance Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with United Acceptance Inc.?
The most common issue reported by consumers about United Acceptance Inc. is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against United Acceptance Inc.?
You can file a complaint against United Acceptance 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 United Acceptance Inc.?
United Acceptance Inc. has drawn CFPB complaints from 13 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.