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 2026-08-14
- 139
- Total complaints
- Mid-range
- 58
- Last 12 months
- 65.5%
- Timely response
- Bottom decile
- 23
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, United Accounts, Inc. has accumulated 139 complaints, placing it #1142 by volume. It posts a 65.5% on-time response rate, the 5th percentile among companies with 100+ complaints.
- #1142
- of 3,843 companies by volume
- 65.5%
- on time (5th pctile)
- Debt collection
- most-complained product
- 23
- states with complaints
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 Accounts, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
65.5% Among the lowest higher than 5% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 6 in 2024 to 36 in 2025 (2024 → 2025).
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 |
| 2026year in progress | 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. Resolved cases drew a formal consumer-dispute rate of 42.9% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 12.9%.
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 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?
CFPB complaints against United Accounts, Inc. draw a 65.5% timely-response rate inside 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for United Accounts, 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 (42.9% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.