CFPB Consumer Complaint Profile
USCB, Inc.
What 710 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 710
- Total complaints
- Above average
- 37
- Last 12 months
- 94.9%
- Timely response
- Below median
- 31
- States affected
The verdict
USCB, Inc. ranks #411 of 3,843 financial companies by CFPB complaint volume, with 710 complaints on record. It posts a 94.9% on-time response rate, the 29th percentile among companies with 100+ complaints.
- #411
- of 3,843 companies by volume
- 94.9%
- on time (29th pctile)
- Debt collection
- most-complained product
- 31
- states with complaints
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.
USCB, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
94.9% Around the middle higher than 29% 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 80 in 2024 to 37 in 2025 (2024 → 2025).
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 |
|---|---|
| 2013 | 4 |
| 2014 | 22 |
| 2015 | 13 |
| 2016 | 24 |
| 2017 | 29 |
| 2018 | 50 |
| 2019 | 35 |
| 2020 | 80 |
| 2021 | 129 |
| 2022 | 112 |
| 2023 | 86 |
| 2024 | 80 |
| 2025 | 37 |
| 2026year in progress | 9 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for USCB, Inc.
The CFPB Consumer Complaint Database has logged 710 complaints against USCB, Inc. overall, with 37 of those filed in the trailing 12 months. Reports have come from consumers in 31 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Debt collection," 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 "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
USCB, Inc.'s timely response rate stands at 94.9%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. The company's response carried a 10.1% 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 USCB, Inc. have?
710 complaints have been filed against USCB, Inc. with the CFPB overall - 37 of them in the past year.
Does USCB, Inc. respond to complaints on time?
CFPB complaints against USCB, Inc. draw a 94.9% timely-response rate inside the expected window.
What product generates the most complaints for USCB, Inc.?
Among all products tied to USCB, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with USCB, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against USCB, Inc. - see all issues and counts above.
How do I file a complaint against USCB, Inc.?
You can file a complaint against USCB, 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 USCB, Inc.?
Consumers in 31 states and territories have filed complaints about USCB, 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for USCB, Inc.: 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 (10.1% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.