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

CFPB complaint data Grade F 35 complaints

United Auto Acceptance - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade F.

Complaints by issue type

What consumers report about United Auto Acceptance

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record united-auto-acceptance United Auto Acceptance

Grade F · 35 CFPB filings · 69% timely · lead issue: Attempts to collect debt not owed

  • VOL 35
  • GRADE F
  • 12MO 10
  • STATES 7
  • TIMELY 69%
  • DISPUTE 50%
  • ISSUE Attempts to collect debt n…
  • RANK #1,436
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Accounts Receivable Inc. (35 complaints)

Accounts Receivable Inc.Accounts Receivable Inc.35American Credit Resolution, IncorporatedAmerican Credit Resolution, …35CAB Receivables, Inc.CAB Receivables, Inc.35ComericaComerica35United Auto Acceptance (this)United Auto Acceptance (this)35
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

United Auto Acceptance's 35 CFPB complaints sit next to Accounts Receivable 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 →

How the 35 complaints break down

Every complaint issue type on record for United Auto Acceptance, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
43.5/100
United Auto Acceptance

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
35
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
69%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate C
50%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

77.1% of United Auto Acceptance's CFPB filings land in Georgia

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Georgia 77.1%
27 of 35 filings · 7 states touched
Seasonal peak
2017-05 8.7%
8–15% band · 2 filings
Corpus ranks
#1,436 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does United Auto Acceptance compare to its peers?

How does UNITED AUTO ACCEPTANCE 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 AUTO ACCEPTANCE National average
Complaints (last 12 mo)lower is better
10
0
268
Timely-response ratehigher is better
69%
51%
91%
Consumer-dispute ratelower is better
50%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy United Auto Acceptance a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%20%40%60% Timely response rate (%) Dispute rate (%) United Auto Acceptance vs. 8 similar-volume peers, by response speed and dispute rate United Auto AcceptanceVANDERBILT MORTGAGE & FINANCE, INCOlympic Collection Inc.Valley Credit Service, Inc. (OR)McKenzie Paul & AssociatesWorld Recovery Service, LLCMcKellar & Associates Group, Inc.Zakheim Law Group, P.A.Law Office of James R. Vaughan, P.C.
Source: CFPB Consumer Complaint Database

United Auto Acceptance's complaint volume in context

United Auto Acceptance vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

35 74th percentile higher than 74% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. United Auto Acceptance 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2016-01 2021-07

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
11
Took or threatened to take negative or legal action
11
Written notification about debt
6
Communication tactics
3
False statements or representation
2
Disclosure verification of debt
1
Improper contact or sharing of info
1

Where do complaints against United Auto Acceptance come from?

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

Top states by complaints against United Auto Acceptance

Across 7 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for United Auto Acceptance: 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: 35.

4 peers

Know your rights before responding to United Auto Acceptance: 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.