CFPB Consumer Complaint Profile
United Credit Education Services
19 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
- 19
- Total complaints
- Below average
- 1
- Last 12 months
- 63.2%
- Timely response
- Bottom decile
- 8
- States affected
The verdict
United Credit Education Services ranks #2935 of 3,843 financial companies by CFPB complaint volume, with 19 complaints on record. On-time replies land at 63.2%, the 4th percentile for the 100+ complaint peer group.
- #2935
- of 3,843 companies by volume
- 63.2%
- on time (4th pctile)
- Credit reporting, cr…
- most-complained product
- 8
- 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 Credit Education Services vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
63.2% Among the lowest higher than 4% 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 |
|---|---|
| 2019 | 3 |
| 2020 | 6 |
| 2021 | 7 |
| 2022 | 2 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for United Credit Education Services
The CFPB Consumer Complaint Database has logged 19 complaints against United Credit Education Services overall, with 1 of those filed in the trailing 12 months. Reports have come from consumers in 8 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Credit reporting, credit repair services, or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Fraud or scam" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
United Credit Education Services's timely response rate stands at 63.2%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Among resolved complaints, 47.4% 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 Credit Education Services have?
The CFPB has logged 19 complaints against United Credit Education Services to date, of which 1 came in over the last 12 months.
Does United Credit Education Services respond to complaints on time?
CFPB complaints against United Credit Education Services draw a 63.2% timely-response rate inside the expected window. This is below the typical industry benchmark of 95%.
What product generates the most complaints for United Credit Education Services?
Among all products tied to United Credit Education Services, "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with United Credit Education Services?
The most common issue reported by consumers about United Credit Education Services is "Fraud or scam." All complaint issues are listed above with their counts.
How do I file a complaint against United Credit Education Services?
You can file a complaint against United Credit Education Services 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 Education Services?
Consumers in 8 states and territories have filed complaints about United Credit Education Services 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.
Also handles Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does United Credit Education Services have?
The CFPB has logged 19 complaints against United Credit Education Services to date, of which 1 came in over the last 12 months.
Does United Credit Education Services respond to complaints on time?
CFPB complaints against United Credit Education Services draw a 63.2% timely-response rate inside the expected window. This is below the typical industry benchmark of 95%.
What product generates the most complaints for United Credit Education Services?
Among all products tied to United Credit Education Services, "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with United Credit Education Services?
The most common issue reported by consumers about United Credit Education Services is "Fraud or scam." All complaint issues are listed above with their counts.
How do I file a complaint against United Credit Education Services?
You can file a complaint against United Credit Education Services 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 Education Services?
Consumers in 8 states and territories have filed complaints about United Credit Education Services 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.