CFPB Consumer Complaint Profile
United Financial Service
17 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
- 17
- Total complaints
- Below average
- 0
- Last 12 months
- 82.4%
- Timely response
- Bottom quartile
- 6
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, United Financial Service has accumulated 17 complaints, placing it #3073 by volume. It posts a 82.4% on-time response rate, the 11th percentile among companies with 100+ complaints.
- #3073
- of 3,843 companies by volume
- 82.4%
- on time (11th pctile)
- Debt collection
- most-complained product
- 6
- 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 Financial Service vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
82.4% Among the lowest higher than 11% 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 |
|---|---|
| 2014 | 2 |
| 2015 | 5 |
| 2017 | 1 |
| 2018 | 1 |
| 2020 | 1 |
| 2022 | 3 |
| 2023 | 1 |
| 2024 | 2 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for United Financial Service
The CFPB Consumer Complaint Database has logged 17 complaints against United Financial Service overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 6 states and territories, making this a geographically concentrated complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Disclosure verification of debt" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
United Financial Service's timely response rate stands at 82.4%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. The company's response carried a 28.6% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 0%.
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 Financial Service have?
United Financial Service has 17 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does United Financial Service respond to complaints on time?
CFPB complaints against United Financial Service draw a 82.4% timely-response rate inside the expected window.
What product generates the most complaints for United Financial Service?
"Debt collection" draws more CFPB complaints against United Financial Service than any other product - see the full breakdown above.
What is the most common complaint issue with United Financial Service?
"Disclosure verification of debt" is the single most frequently cited issue in complaints against United Financial Service - see all issues and counts above.
How do I file a complaint against United Financial Service?
You can file a complaint against United Financial Service 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 Financial Service?
Consumers in 6 states and territories have filed complaints about United Financial Service 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for United Financial Service: 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 (28.6% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does United Financial Service have?
United Financial Service has 17 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does United Financial Service respond to complaints on time?
CFPB complaints against United Financial Service draw a 82.4% timely-response rate inside the expected window.
What product generates the most complaints for United Financial Service?
"Debt collection" draws more CFPB complaints against United Financial Service than any other product - see the full breakdown above.
What is the most common complaint issue with United Financial Service?
"Disclosure verification of debt" is the single most frequently cited issue in complaints against United Financial Service - see all issues and counts above.
How do I file a complaint against United Financial Service?
You can file a complaint against United Financial Service 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 Financial Service?
Consumers in 6 states and territories have filed complaints about United Financial Service 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.