CFPB Consumer Complaint Profile

United Debt Holdings, LLC

Behind the 92 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.

Data updated 2026-05-15

92
Total complaints
0
Last 12 months
84.8%
Timely response
29
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, United Debt Holdings, LLC has accumulated 92 complaints, placing it #1378 by volume. 84.8% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.

#1378
of 3,848 companies by volume
84.8%
answered on time
Debt collection
most-complained product
29
states with complaints
United Debt Holdings, LLC timely response rate 84.8%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Payday loan 35
Debt collection - Payday loan debt 11
Debt collection - Credit card 7
Debt collection - Credit card debt 7
Payday loan, title loan, or personal loan - Payday loan 7
Debt collection - Other (i.e. phone, health club, etc.) 6
Debt collection - I do not know 6
Payday loan 4
Debt collection - Other debt 3
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 1

Top Issues

1.Taking/threatening an illegal action 18
2.Communication tactics 14
3.Took or threatened to take negative or legal action 8
4.Cont'd attempts collect debt not owed 8
5.False statements or representation 7
6.Improper contact or sharing of info 6
7.Written notification about debt 5
8.Disclosure verification of debt 4
9.Threatened to contact someone or share information improperly 3
10.Struggling to pay your loan 3

Complaints by Year

Year Complaints
2013 2
2014 22
2015 16
2016 16
2017 20
2018 5
2019 6
2020 5

Complaints by State (Top 15)

Texas 22
California 12
Ohio 9
Florida 8
Indiana 5
Illinois 5
Maryland 3
Virginia 3
Tennessee 2
Michigan 2
Colorado 2
Georgia 2
Utah 1
Pennsylvania 1
Nevada 1

Company Responses

Closed with explanation 63
Closed 25
Untimely response 2
Closed with monetary relief 1
Closed with non-monetary relief 1

What the CFPB Complaint Record Shows for United Debt Holdings, LLC

United Debt Holdings, LLC carries 92 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 29 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Taking/threatening an illegal action," a reasonable starting point for understanding recurring friction.

84.8% of CFPB-forwarded complaints against United Debt Holdings, LLC get a reply inside the Bureau's 15-day window. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Consumers formally disputed the company's response in 13.6% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 2.2% of resolved complaints ended with some monetary or non-monetary relief for 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 (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 Debt Holdings, LLC have?

United Debt Holdings, LLC has 92 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.

Does United Debt Holdings, LLC respond to complaints on time?

United Debt Holdings, LLC's CFPB timely-response rate is 84.8%.

What product generates the most complaints for United Debt Holdings, LLC?

"Debt collection" draws more CFPB complaints against United Debt Holdings, LLC than any other product - see the full breakdown above.

What is the most common complaint issue with United Debt Holdings, LLC?

Consumers most often cite "Taking/threatening an illegal action" when complaining about United Debt Holdings, LLC; the full issue list with counts is above.

How do I file a complaint against United Debt Holdings, LLC?

You can file a complaint against United Debt Holdings, LLC 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 Debt Holdings, LLC?

United Debt Holdings, LLC has drawn CFPB complaints from 29 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.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.