CFPB Consumer Complaint Profile
United Credit and Collections Inc.
Consumers have filed 142 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 142
- Total complaints
- 43
- Last 12 months
- 97.9%
- Timely response
- 25
- States affected
The verdict
142 CFPB complaints put United Credit and Collections Inc. at #1130 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 97.9%, ahead of the 93% median among companies with 100+ complaints.
- #1130
- of 3,848 companies by volume
- 97.9%
- answered on time
- Debt collection
- most-complained product
- 25
- 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 |
|---|---|
| 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)
Company Responses
What the CFPB Complaint Record Shows for United Credit and Collections Inc.
United Credit and Collections Inc. carries 142 complaints in the CFPB's database, 43 of them filed within the past 12 months. Consumers spanning 25 states and territories have weighed in, giving this a multi-regional footprint. 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 "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, United Credit and Collections Inc. answers 97.9% of forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response was formally disputed in 25% of resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 9.2% 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 Credit and Collections Inc. have?
The CFPB has logged 142 complaints against United Credit and Collections Inc. to date, of which 43 came in over the last 12 months.
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.
What product generates the most complaints for United Credit and Collections Inc.?
"Debt collection" draws more CFPB complaints against United Credit and Collections Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with United Credit and Collections Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against United Credit and Collections Inc. - see all issues and counts above.
How do I file a complaint against United Credit and Collections Inc.?
You can file a complaint against United Credit and Collections 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 Credit and Collections Inc.?
Consumers in 25 states and territories have filed complaints about United Credit and Collections Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state 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 (~142)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.