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

Data updated July 2026

F

Grade F · 47.0/100 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 Auto Acceptance ranks ahead of 10% of the 5,283 collectors PlainCollector grades - 90% keep a cleaner CFPB record, on 35 all-time complaints and a 69% timely-response rate.

10th pct
reputation rank of 5,283 graded collectors
35
CFPB complaints, all-time
69%
answered inside the CFPB window
10
in the last 12 months (stable)

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 Auto Acceptance?

United Auto Acceptance has accumulated 35 total CFPB complaints across 7 states, with 10 filed in the most recent 12 months against 25 historical complaints before that window. The trailing-12-month volume represents 28.6% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 69% timely-response rate against a 50% consumer-dispute-after-response rate.

Complaints have been recorded across 7 states, led by Georgia with 27 and Florida with 2. Normalized against the full CFPB collector database, the reputation score of 47.0/100 places United Auto Acceptance in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

35

low-volume (CCDB)

Last 12 months

10

28.6% of all-time complaints

Stable →

States active

7

regional footprint

Timely response rate

69%

below sla band

Consumer disputes

50%

high (vertical avg ~19%)

Reputation grade

F

47.0/100 composite

How does United Auto Acceptance's reputation rank nationally?

Reputation score vs. every graded collector

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

47 Bottom 10% higher than 10% 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 Auto Acceptance versus the debt-collection vertical average.

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) 50.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 12.5%

Share of US states + territories with at least one filed complaint against this collector.

How does United Auto Acceptance compare to its peers?

How does UNITED AUTO ACCEPTANCE compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2016-01 2021-07

Issue Detail Breakdown

Issue Sub-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

What to do if United Auto Acceptance contacts you

A grade of F signals how United Auto Acceptance'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 Auto Acceptance 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 Auto Acceptance 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 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: 47.0/100), 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).

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.