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

CFPB complaint data Grade F 109 complaints

United Accounts, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 19 states, reputation grade F.

Complaints by issue type

What consumers report about United Accounts, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 41.0/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: United Accounts, Inc. ranks ahead of 4% of the 5,283 collectors PlainCollector grades - 96% keep a cleaner CFPB record, on 109 all-time complaints and a 63% timely-response rate.

4th pct
reputation rank of 5,283 graded collectors
109
CFPB complaints, all-time
63%
answered inside the CFPB window
40
in the last 12 months (rising)

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 United Accounts, Inc.?

United Accounts, Inc. has accumulated 109 total CFPB complaints across 19 states, with 40 filed in the most recent 12 months against 69 historical complaints before that window. The trailing-12-month volume represents 36.7% 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". The company posts a 63% timely-response rate against a 46% consumer-dispute-after-response rate.

Complaints have been recorded across 19 states, led by North Dakota with 51 and Minnesota with 20. Normalized against the full CFPB collector database, the reputation score of 41.0/100 places United Accounts, Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

109

mid-volume (CCDB)

Last 12 months

40

36.7% of all-time complaints

Rising ↑

States active

19

regional footprint

Timely response rate

63%

below sla band

Consumer disputes

46%

high (vertical avg ~19%)

Reputation grade

F

41.0/100 composite

How does United Accounts, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

41 Bottom 4% higher than 4% 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%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 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

United Accounts, Inc. versus the debt-collection vertical average.

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) 46.2%
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?

How does United Accounts, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
United Accounts, Inc. National average
Complaints (last 12 mo)lower is better
40
0
268
Timely-response ratehigher is better
63%
99%
91%
Consumer-dispute ratelower is better
46%
18%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-02 2022-09

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 31
Written notification about debt - 24
Attempts to collect debt not owed - 22
False statements or representation - 11
Cont'd attempts collect debt not owed - 9
Communication tactics - 7
Electronic communications - 3
Disclosure verification of debt - 2

Where do complaints against United Accounts, Inc. come from?

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

Top states by complaints against United Accounts, Inc.

Across 19 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if United Accounts, Inc. contacts you

A grade of F signals how United Accounts, Inc.'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 United Accounts, Inc. 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 United Accounts, Inc. 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 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 109 complaints filed with the CFPB.

Are complaints against United Accounts, Inc. increasing or decreasing? ▼

Complaints against United Accounts, Inc. are rising. The company received 40 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (51 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.