Total CFPB complaints
35
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 35 complaints
UNITED AUTO ACCEPTANCE — Debt Collector Complaint Profile
CFPB complaint profile across 8 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about UNITED AUTO ACCEPTANCE
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
13 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
8 complaints
- Written notification about debt
Written notification about debt
6 complaints
- Communication tactics 2
Communication tactics
2 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
F
Grade F · 47.0/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about UNITED AUTO ACCEPTANCE?
UNITED AUTO ACCEPTANCE has accumulated 35 total CFPB complaints across 8 states, with 12 filed in the most recent 12 months against 23 historical complaints before that window. The trailing-12-month volume represents 34.3% 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 69% timely-response rate against a 50% 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 8 states, led by Georgia with 25 and Florida 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 47.0/100 places UNITED AUTO ACCEPTANCE 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
12
34.3% of total history
Rising ↑
States active
8
Distinct state filings
Timely response rate
69%
Within CFPB SLA window
Consumer disputes
50%
After company response
Reputation grade
F
47.0/100 composite
Response-quality profile
How UNITED AUTO ACCEPTANCE performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 68.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does UNITED AUTO ACCEPTANCE compare to its peers?
UNITED AUTO ACCEPTANCE 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)
2018-06 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action13 (%)
Attempts to collect debt not owed8 (%)
Written notification about debt6 (%)
Communication tactics2 (%)
False statements or representation2 (%)
Improper contact or sharing of info1 (%)
Disclosure verification of debt1 (%)
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 | 11 |
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
Where do complaints against UNITED AUTO ACCEPTANCE come from?
The states where consumers have filed the most CFPB complaints against UNITED AUTO ACCEPTANCE. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against UNITED AUTO ACCEPTANCE
Across 8 states with at least one filing
- Georgia
Georgia
25 complaints
- Florida 3
Florida
3 complaints
- North Carolina 2
North Carolina
2 complaints
- Maryland 1
Maryland
1 complaints
- Virginia 1
Virginia
1 complaints
- Minnesota 1
Minnesota
1 complaints
- Nevada 1
Nevada
1 complaints
- Oklahoma 1
Oklahoma
1 complaints
Frequently Asked Questions
What is the most common complaint against UNITED AUTO ACCEPTANCE? ▼
The most common issue consumers report about UNITED AUTO ACCEPTANCE is "Took or threatened to take negative or legal action", 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 are rising. The company received 12 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is UNITED AUTO ACCEPTANCE's reputation grade? ▼
UNITED AUTO ACCEPTANCE has a reputation grade of F (score: 47.0/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 8 states, with the most complaints from Georgia (25 complaints).
What can I do if UNITED AUTO ACCEPTANCE 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 AUTO ACCEPTANCE 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 |