What is the most common complaint against United Acceptance Inc.?

The most common issue consumers report about United Acceptance Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 23 complaints filed with the CFPB.

Are complaints against United Acceptance Inc. increasing or decreasing?

Complaints against United Acceptance Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is United Acceptance Inc.'s reputation grade?

United Acceptance Inc. has a reputation grade of C (score: 58.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does United Acceptance Inc. respond to consumer complaints?

United Acceptance Inc. has a 87% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.

In how many states does United Acceptance Inc. operate?

United Acceptance Inc. has received CFPB complaints from consumers in 10 states, with the most complaints from Georgia (9 complaints).

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

United Acceptance Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

8
Written notification about debt

6
False statements or representation

3
Took or threatened to take negative or legal action

2
Cont'd attempts collect debt not owed

2
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record united-acceptance-inc United Acceptance Inc.

Grade C · 23 CFPB filings · 87% timely · lead issue: Attempts to collect debt not owed · vol #1790 · compose #2638

VOL 23
GRADE C
12MO 0
STATES 10
TIMELY 87%
DISPUTE 25%
ISSUE Attempts to collect debt n…
RANK #1,790
COMPOSE #2,638

Volume peers

Nearest volume peer: Acceptance Solutions Group, INC (23 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

United Acceptance Inc.'s 23 CFPB complaints sit next to Acceptance Solutions Group, INC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

39.1% of United Acceptance Inc.'s CFPB filings land in Georgia

High volume does not equal a clean composite: United Acceptance Inc. is volume #1,790 but composite #2,638, while Georgia dominates the geography. Corpus placement method.

Dominant state: Georgia 39.1%; 9 of 23 filings · 10 states touched
Seasonal peak: 2022-08 11.4%; 8–15% band · 4 filings
Divergent corpus ranks: #1,790 volume; #2,638 composite; Cleanest-composite ladder is 848 places worse than volume

How does United Acceptance Inc. compare to its peers?

How does United Acceptance Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

United Acceptance Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

87%

100%

91%

Consumer-dispute ratelower is better

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-08 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	8
Written notification about debt	6
False statements or representation	3
Took or threatened to take negative or legal action	2
Cont'd attempts collect debt not owed	2
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1

Where do complaints against United Acceptance Inc. come from?

United Acceptance Inc.'s own per-state count, not a national baseline.

Georgia

9
North Carolina

3
Mississippi

2
Missouri

2
South Carolina

2
Alabama

1
Florida

1
Illinois

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for United Acceptance Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 23.

4 peers

Know your rights before responding to United Acceptance Inc.: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.