CFPB Consumer Complaint Profile
United Auto Acceptance
110 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 110
- Total complaints
- Mid-range
- 34
- Last 12 months
- 64.5%
- Timely response
- Bottom decile
- 13
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, United Auto Acceptance sits at #1272, with 110 complaints logged. It posts a 64.5% on-time response rate, the 5th percentile among companies with 100+ complaints.
- #1272
- of 3,843 companies by volume
- 64.5%
- on time (5th pctile)
- Vehicle loan or lease
- 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 Auto Acceptance vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
64.5% 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 16 in 2024 to 26 in 2025 (2024 → 2025).
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 |
|---|---|
| 2013 | 1 |
| 2014 | 2 |
| 2015 | 2 |
| 2016 | 5 |
| 2017 | 7 |
| 2018 | 6 |
| 2019 | 1 |
| 2020 | 9 |
| 2021 | 8 |
| 2022 | 13 |
| 2023 | 4 |
| 2024 | 16 |
| 2025 | 26 |
| 2026year in progress | 10 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for United Auto Acceptance
110 complaints against United Auto Acceptance appear in the CFPB record, including 34 from the trailing year. The 13 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Vehicle loan or lease," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against United Auto Acceptance draw a 64.5% reply rate inside the Bureau's 15-day window. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Resolved cases drew a formal consumer-dispute rate of 20% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0.9% rate.
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 Auto Acceptance have?
110 complaints have been filed against United Auto Acceptance with the CFPB overall - 34 of them in the past year.
Does United Auto Acceptance respond to complaints on time?
United Auto Acceptance has a 64.5% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for United Auto Acceptance?
"Vehicle loan or lease" draws more CFPB complaints against United Auto Acceptance than any other product - see the full breakdown above.
What is the most common complaint issue with United Auto Acceptance?
Consumers most often cite "Incorrect information on your report" when complaining about United Auto Acceptance; the full issue list with counts is above.
How do I file a complaint against United Auto Acceptance?
You can file a complaint against United Auto Acceptance 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 Auto Acceptance?
United Auto Acceptance 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 Auto Acceptance: 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 (20% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does United Auto Acceptance have?
110 complaints have been filed against United Auto Acceptance with the CFPB overall - 34 of them in the past year.
Does United Auto Acceptance respond to complaints on time?
United Auto Acceptance has a 64.5% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for United Auto Acceptance?
"Vehicle loan or lease" draws more CFPB complaints against United Auto Acceptance than any other product - see the full breakdown above.
What is the most common complaint issue with United Auto Acceptance?
Consumers most often cite "Incorrect information on your report" when complaining about United Auto Acceptance; the full issue list with counts is above.
How do I file a complaint against United Auto Acceptance?
You can file a complaint against United Auto Acceptance 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 Auto Acceptance?
United Auto Acceptance 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.