CFPB Consumer Complaint Profile
United Accounts, Inc.
What 139 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-05-15
- 139
- Total complaints
- 58
- Last 12 months
- 65.5%
- Timely response
- 23
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, United Accounts, Inc. has accumulated 139 complaints, placing it #1144 by volume. It answers 65.5% of complaints on time - below the 93% median for companies with 100+ complaints.
- #1144
- of 3,848 companies by volume
- 65.5%
- answered on time
- Debt collection
- most-complained product
- 23
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2015 | 5 |
| 2016 | 5 |
| 2017 | 3 |
| 2018 | 1 |
| 2019 | 6 |
| 2020 | 9 |
| 2021 | 15 |
| 2022 | 5 |
| 2023 | 19 |
| 2024 | 6 |
| 2025 | 36 |
| 2026 | 28 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for United Accounts, Inc.
139 complaints against United Accounts, Inc. appear in the CFPB record, including 58 from the trailing year. The 23 states and territories represented put this footprint in multi-regional territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Took or threatened to take negative or legal action" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
United Accounts, Inc.'s timely response rate stands at 65.5%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. In 42.9% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 12.9% closed with the consumer receiving monetary or non-monetary relief.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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 Accounts, Inc. have?
139 complaints have been filed against United Accounts, Inc. with the CFPB overall - 58 of them in the past year.
Does United Accounts, Inc. respond to complaints on time?
65.5% of the CFPB complaints against United Accounts, Inc. get a response within the expected window. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for United Accounts, Inc.?
"Debt collection" draws more CFPB complaints against United Accounts, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with United Accounts, Inc.?
Consumers most often cite "Took or threatened to take negative or legal action" when complaining about United Accounts, Inc.; the full issue list with counts is above.
How do I file a complaint against United Accounts, Inc.?
You can file a complaint against United Accounts, 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 Accounts, Inc.?
United Accounts, Inc. has drawn CFPB complaints from 23 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~139)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.