Total CFPB complaints
15
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 15 complaints
United Check Recovery, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 12 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, LLC
- Communication tactics
Communication tactics
4 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
3 complaints
- Disclosure verification of debt
Disclosure verification of debt
2 complaints
- False statements or representation
False statements or representation
2 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
2 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
F
Grade F · 50.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about United Check Recovery, LLC?
United Check Recovery, LLC has accumulated 15 total CFPB complaints across 12 states, with 0 filed in the most recent 12 months against 15 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Disclosure verification of debt", narrowing to "Not given enough info to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 33% timely-response rate against a 8% 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 12 states, led by California with 3 and North Carolina with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 50.2/100 places United Check Recovery, LLC 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
0
0.0% of total history
Stable →
States active
12
Distinct state filings
Timely response rate
33%
Within CFPB SLA window
Consumer disputes
8%
After company response
Reputation grade
F
50.2/100 composite
Response-quality profile
How United Check Recovery, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 33.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 16.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 21.4%
Share of US states + territories with at least one filed complaint against this collector.
How does United Check Recovery, LLC 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)
2013-08 2021-08
Top Consumer Issues
Disclosure verification of debt2 (%)
False statements or representation2 (%)
Communication tactics4 (%)
Improper contact or sharing of info2 (%)
Taking/threatening an illegal action3 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Disclosure verification of debt — Not given enough info to verify debt
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 |
|---|---|---|
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| False statements or representation | Indicated committed crime not paying | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Improper contact or sharing of info | Talked to a third party about my debt | 2 |
| Taking/threatening an illegal action | Attempted to/Collected exempt funds | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Communication tactics | Called outside of 8am-9pm | 1 |
| Communication tactics | Threatened to take legal action | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 1 |
Where do complaints against United Check Recovery, LLC come from?
The states where consumers have filed the most CFPB complaints against United Check Recovery, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against United Check Recovery, LLC
Across 12 states with at least one filing
- California
California
3 complaints
- North Carolina
North Carolina
2 complaints
- Oregon 1
Oregon
1 complaints
- Missouri 1
Missouri
1 complaints
- Georgia 1
Georgia
1 complaints
- Ohio 1
Ohio
1 complaints
- Virginia 1
Virginia
1 complaints
- Indiana 1
Indiana
1 complaints
Frequently Asked Questions
What is the most common complaint against United Check Recovery, LLC? ▼
The most common issue consumers report about United Check Recovery, LLC is "Disclosure verification of debt", specifically "Not given enough info to verify debt". This is based on 15 complaints filed with the CFPB.
Are complaints against United Check Recovery, LLC increasing or decreasing? ▼
Complaints against United Check Recovery, LLC have been stable. The company received 0 complaints in the last 12 months.
What is United Check Recovery, LLC's reputation grade? ▼
United Check Recovery, LLC has a reputation grade of F (score: 50.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does United Check Recovery, LLC respond to consumer complaints? ▼
United Check Recovery, LLC has a 33% timely response rate to CFPB complaints. Consumers disputed the company's response in 8% of cases.
In how many states does United Check Recovery, LLC operate? ▼
United Check Recovery, LLC has received CFPB complaints from consumers in 12 states, with the most complaints from California (3 complaints).
What can I do if United Check Recovery, LLC 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, LLC 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 |