Total CFPB complaints
23
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 23 complaints
United Acceptance Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 10 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about United Acceptance Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- Written notification about debt
Written notification about debt
6 complaints
- False statements or representation
False statements or representation
3 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
C
Grade C · 62.1/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about United Acceptance Inc.?
United Acceptance Inc. has accumulated 23 total CFPB complaints across 10 states, with 0 filed in the most recent 12 months against 23 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 87% timely-response rate against a 25% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 10 states, led by Georgia with 9 and North Carolina with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.1/100 places United Acceptance Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
10
Distinct state filings
Timely response rate
87%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
C
62.1/100 composite
Response-quality profile
How United Acceptance Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 87.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 50.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 17.9%
Share of US states + territories with at least one filed complaint against this collector.
How does United Acceptance Inc. compare to its peers?
United Acceptance Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2014-01 2020-09
Top Consumer Issues
Attempts to collect debt not owed7 (%)
Written notification about debt6 (%)
False statements or representation3 (%)
Threatened to contact someone or share information improperly1 (%)
Improper contact or sharing of info1 (%)
Took or threatened to take negative or legal action1 (%)
Cont'd attempts collect debt not owed2 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 1 |
Where do complaints against United Acceptance Inc. come from?
The states where consumers have filed the most CFPB complaints against United Acceptance Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against United Acceptance Inc.
Across 10 states with at least one filing
- Georgia
Georgia
9 complaints
- North Carolina 3
North Carolina
3 complaints
- Mississippi 2
Mississippi
2 complaints
- Missouri 2
Missouri
2 complaints
- South Carolina 2
South Carolina
2 complaints
- Alabama 1
Alabama
1 complaints
- Florida 1
Florida
1 complaints
- Ohio 1
Ohio
1 complaints
Frequently Asked Questions
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. have been stable. The company received 0 complaints in the last 12 months.
What is United Acceptance Inc.'s reputation grade? ▼
United Acceptance Inc. has a reputation grade of C (score: 62.1/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if United Acceptance Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If United Acceptance Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |