This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 31 complaints

Union Credit Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade C.

Complaints by issue type

What consumers report about Union Credit Corporation

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 61.0/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Union Credit Corporation ranks ahead of 46% of the 5,283 collectors PlainCollector grades - 54% keep a cleaner CFPB record, on 31 all-time complaints and a 71% timely-response rate.

46th pct
reputation rank of 5,283 graded collectors
31
CFPB complaints, all-time
71%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Union Credit Corporation?

Union Credit Corporation has accumulated 31 total CFPB complaints across 3 states, with 0 filed in the most recent 12 months against 31 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 71% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 3 states, led by Georgia with 25 and Florida with 5. Normalized against the full CFPB collector database, the reputation score of 61.0/100 places Union Credit Corporation in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

31

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

3

limited footprint

Timely response rate

71%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

C

61.0/100 composite

How does Union Credit Corporation's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

61 46th percentile higher than 46% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Union Credit Corporation versus the debt-collection vertical average.

Timely response within SLA 71.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 5.4%

Share of US states + territories with at least one filed complaint against this collector.

How does Union Credit Corporation compare to its peers?

How does Union Credit Corporation compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Union Credit Corporati… National average
Complaints (last 12 mo)lower is better
0
9
268
Timely-response ratehigher is better
71%
96%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-07 2019-11

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 13
Written notification about debt - 7
False statements or representation - 7
Cont'd attempts collect debt not owed - 2
Communication tactics - 1
Improper contact or sharing of info - 1

Where do complaints against Union Credit Corporation come from?

Union Credit Corporation's own per-state count, not a national baseline.

Top states by complaints against Union Credit Corporation

Across 3 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Union Credit Corporation contacts you

A grade of C signals how Union Credit Corporation's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Union Credit Corporation and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Union Credit Corporation ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Union Credit Corporation? ▼

The most common issue consumers report about Union Credit Corporation is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 31 complaints filed with the CFPB.

Are complaints against Union Credit Corporation increasing or decreasing? ▼

Complaints against Union Credit Corporation are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Union Credit Corporation's reputation grade? ▼

Union Credit Corporation has a reputation grade of C (score: 61.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Union Credit Corporation respond to consumer complaints? ▼

Union Credit Corporation has a 71% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Union Credit Corporation operate? ▼

Union Credit Corporation has received CFPB complaints from consumers in 3 states, with the most complaints from Georgia (25 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.