Total CFPB complaints
120
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 120 complaints
United Accounts, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 19 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about United Accounts, Inc.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
34 complaints
- Written notification about debt
Written notification about debt
25 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
22 complaints
- False statements or representation 10
False statements or representation
10 complaints
- Cont'd attempts collect debt not owed 9
Cont'd attempts collect debt not owed
9 complaints
- Communication tactics 3
Communication tactics
3 complaints
F
Grade F · 41.0/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about United Accounts, Inc.?
United Accounts, Inc. has accumulated 120 total CFPB complaints across 19 states, with 55 filed in the most recent 12 months against 65 historical complaints before that window. The trailing-12-month volume represents 45.8% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 63% timely-response rate against a 46% 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 19 states, led by North Dakota with 57 and Minnesota with 22, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 41.0/100 places United Accounts, Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
55
45.8% of total history
Rising ↑
States active
19
Distinct state filings
Timely response rate
63%
Within CFPB SLA window
Consumer disputes
46%
After company response
Reputation grade
F
41.0/100 composite
Response-quality profile
How United Accounts, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 63.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 92.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 33.9%
Share of US states + territories with at least one filed complaint against this collector.
How does United Accounts, Inc. compare to its peers?
United Accounts, 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)
2023-03 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action34 (%)
Written notification about debt25 (%)
Attempts to collect debt not owed22 (%)
False statements or representation10 (%)
Cont'd attempts collect debt not owed9 (%)
Communication tactics3 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 34 |
| Written notification about debt | Didn't receive enough information to verify debt | 17 |
| Attempts to collect debt not owed | Debt is not yours | 15 |
| False statements or representation | Attempted to collect wrong amount | 10 |
| Written notification about debt | Didn't receive notice of right to dispute | 8 |
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
Where do complaints against United Accounts, Inc. come from?
The states where consumers have filed the most CFPB complaints against United Accounts, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against United Accounts, Inc.
Across 19 states with at least one filing
- North Dakota
North Dakota
57 complaints
- Minnesota 22
Minnesota
22 complaints
- Texas 7
Texas
7 complaints
- California 7
California
7 complaints
- Colorado 4
Colorado
4 complaints
- Arizona 3
Arizona
3 complaints
- Maryland 3
Maryland
3 complaints
- Wisconsin 2
Wisconsin
2 complaints
Frequently Asked Questions
What is the most common complaint against United Accounts, Inc.? ▼
The most common issue consumers report about United Accounts, Inc. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 120 complaints filed with the CFPB.
Are complaints against United Accounts, Inc. increasing or decreasing? ▼
Complaints against United Accounts, Inc. are rising. The company received 55 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is United Accounts, Inc.'s reputation grade? ▼
United Accounts, Inc. has a reputation grade of F (score: 41.0/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does United Accounts, Inc. respond to consumer complaints? ▼
United Accounts, Inc. has a 63% timely response rate to CFPB complaints. Consumers disputed the company's response in 46% of cases.
In how many states does United Accounts, Inc. operate? ▼
United Accounts, Inc. has received CFPB complaints from consumers in 19 states, with the most complaints from North Dakota (57 complaints).
What can I do if United Accounts, 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 Accounts, 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 |