What is the most common complaint against United Auto Acceptance?

The most common issue consumers report about United Auto Acceptance is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 35 complaints filed with the CFPB.

Are complaints against United Auto Acceptance increasing or decreasing?

Complaints against United Auto Acceptance have been stable. The company received 10 complaints in the last 12 months.

What is United Auto Acceptance's reputation grade?

United Auto Acceptance has a reputation grade of F (score: 43.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does United Auto Acceptance respond to consumer complaints?

United Auto Acceptance has a 69% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.

In how many states does United Auto Acceptance operate?

United Auto Acceptance has received CFPB complaints from consumers in 7 states, with the most complaints from Georgia (27 complaints).

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

United Auto Acceptance - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade F.

Compiled by PlainCollector

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

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 #1436 · compose #4807

VOL 35
GRADE F
12MO 10
STATES 7
TIMELY 69%
DISPUTE 50%
ISSUE Attempts to collect debt n…
RANK #1,436
COMPOSE #4,807

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: United Auto Acceptance is volume #1,436 but composite #4,807, while Georgia dominates the geography. 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
Divergent corpus ranks: #1,436 volume; #4,807 composite; Cleanest-composite ladder is 3,371 places worse than volume

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

268

Timely-response ratehigher is better

69%

51%

91%

Consumer-dispute ratelower is better

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Georgia

27
Florida

2
North Carolina

2
Maryland

1
Nevada

1
Oklahoma

1
Texas

1

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.