Total CFPB complaints
66
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 66 complaints
United Check Recovery Bureau, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 26 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about United Check Recovery Bureau, Inc.
- Communication tactics
Communication tactics
27 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
11 complaints
- Attempts to collect debt not owed 8
Attempts to collect debt not owed
8 complaints
- Written notification about debt 6
Written notification about debt
6 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
C
Grade C · 64.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about United Check Recovery Bureau, Inc.?
United Check Recovery Bureau, Inc. has accumulated 66 total CFPB complaints across 26 states, with 16 filed in the most recent 12 months against 50 historical complaints before that window. The trailing-12-month volume represents 24.2% 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 "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 92% timely-response rate against a 0% 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 26 states, led by Texas with 9 and Florida with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.9/100 places United Check Recovery Bureau, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
16
24.2% of total history
Rising ↑
States active
26
Distinct state filings
Timely response rate
92%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
64.9/100 composite
Response-quality profile
How United Check Recovery Bureau, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 92.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 46.4%
Share of US states + territories with at least one filed complaint against this collector.
How does United Check Recovery Bureau, Inc. compare to its peers?
United Check Recovery … 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)
2022-03 2026-03
Top Consumer Issues
Communication tactics27 (%)
Threatened to contact someone or share information improperly11 (%)
Written notification about debt6 (%)
Attempts to collect debt not owed8 (%)
False statements or representation3 (%)
Took or threatened to take negative or legal action2 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 13 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 11 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 8 |
| Written notification about debt | Didn't receive notice of right to dispute | 6 |
| Attempts to collect debt not owed | Debt is not yours | 5 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Communication tactics | Threatened to take legal action | 3 |
| Communication tactics | Used obscene, profane, or other abusive language | 3 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
Where do complaints against United Check Recovery Bureau, Inc. come from?
The states where consumers have filed the most CFPB complaints against United Check Recovery Bureau, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against United Check Recovery Bureau, Inc.
Across 26 states with at least one filing
- Texas
Texas
9 complaints
- Florida
Florida
7 complaints
- California
California
6 complaints
- North Carolina
North Carolina
4 complaints
- Louisiana
Louisiana
4 complaints
- Ohio
Ohio
4 complaints
- Virginia 3
Virginia
3 complaints
- New York 2
New York
2 complaints
Frequently Asked Questions
What is the most common complaint against United Check Recovery Bureau, Inc.? ▼
The most common issue consumers report about United Check Recovery Bureau, Inc. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 66 complaints filed with the CFPB.
Are complaints against United Check Recovery Bureau, Inc. increasing or decreasing? ▼
Complaints against United Check Recovery Bureau, Inc. are rising. The company received 16 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is United Check Recovery Bureau, Inc.'s reputation grade? ▼
United Check Recovery Bureau, Inc. has a reputation grade of C (score: 64.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does United Check Recovery Bureau, Inc. respond to consumer complaints? ▼
United Check Recovery Bureau, Inc. has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does United Check Recovery Bureau, Inc. operate? ▼
United Check Recovery Bureau, Inc. has received CFPB complaints from consumers in 26 states, with the most complaints from Texas (9 complaints).
What can I do if United Check Recovery Bureau, Inc. 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 Check Recovery Bureau, Inc. 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 |