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

CFPB complaint data Grade F 15 complaints

United Check Recovery, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade F.

Complaints by issue type

What consumers report about United Check Recovery, LLC

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

Data updated September 2026

CFPB complaint disposition

CCDB record united-check-recovery-llc United Check Recovery, LLC

Grade F · 15 CFPB filings · 33% timely · lead issue: Communication tactics

  • VOL 15
  • GRADE F
  • 12MO 0
  • STATES 12
  • TIMELY 33%
  • DISPUTE 8%
  • ISSUE Communication tactics
  • RANK #2,173
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Accounts Advocate Agency (15 complaints)

Accounts Advocate AgencyAccounts Advocate Agency15Advanced Resolution Services Inc.Advanced Resolution Services…15American Credit AdjustersAmerican Credit Adjusters15Automated Accounts, Inc.Automated Accounts, Inc.15United Check Recovery, LLC (this)United Check Recovery, LLC (…15
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

United Check Recovery, LLC's 15 CFPB complaints sit next to Accounts Advocate Agency 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 15 complaints break down

Every complaint issue type on record for United Check Recovery, LLC, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
46.1/100
United Check Recovery, LLC

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 C
15
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response D
33%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
8%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

California is the plurality state for United Check Recovery, LLC (20.0%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
California 20.0%
Mid-band (15–30%) · 12 states with ≥1 filing
Seasonal peak
2014-01 8.3%
8–15% band · 1 filings
Corpus ranks
#2,173 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does United Check Recovery, LLC compare to its peers?

How does United Check Recovery, LLC 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 Check Recovery, LLC National average
Complaints (last 12 mo)lower is better
0
4
268
Timely-response ratehigher is better
33%
100%
91%
Consumer-dispute ratelower is better
8%
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 Check Recovery, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 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 Check Recovery, LLC vs. 6 similar-volume peers, by response speed and dispute rate United Check Recovery, LLCSt.John Cobb IncSimpson Law Firm, P.A.Service Bureau, Inc.Secured Resolutions, LLCROCKFORD MERCANTILE AGENCY, INC.Professional Recovery Services Inc.(Closed)
Source: CFPB Consumer Complaint Database

United Check Recovery, LLC's complaint volume in context

United Check Recovery, LLC 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)

15 60th percentile higher than 60% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 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 Check Recovery, LLC 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)

Falling ↓
2014-01 2020-11

Issue Detail Breakdown

Issue Complaints
Communication tactics
4
Taking/threatening an illegal action
3
False statements or representation
2
Disclosure verification of debt
2
Improper contact or sharing of info
2
Attempts to collect debt not owed
1
Cont'd attempts collect debt not owed
1

Where do complaints against United Check Recovery, LLC come from?

United Check Recovery, LLC's own per-state count, not a national baseline.

Top states by complaints against United Check Recovery, LLC

Across 12 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 Check Recovery, LLC: 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: 15.

4 peers

Know your rights before responding to United Check Recovery, LLC: 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.