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

CFPB complaint data Grade D 1,644 complaints

United Collection Bureau, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 50 states, reputation grade D.

Complaints by issue type

What consumers report about United Collection Bureau, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record united-collection-bureau-inc United Collection Bureau, Inc.

Grade D · 1,644 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #112 · compose #231

  • VOL 1,644
  • GRADE D
  • 12MO 396
  • STATES 50
  • TIMELY 99%
  • DISPUTE 17%
  • ISSUE Attempts to collect debt n…
  • RANK #112
  • COMPOSE #231

Volume peers

Nearest volume peer: Paypal Holdings, Inc (1,644 complaints)

Monterey Financial Services LLCMonterey Financial Services …1,629Paypal Holdings, IncPaypal Holdings, Inc1,644United Collection Bureau, Inc. (this)United Collection Bureau, In…1,644Exeter Finance, LLC.Exeter Finance, LLC.1,646Enova International, Inc.Enova International, Inc.1,655
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

United Collection Bureau, Inc.'s 1,644 CFPB complaints sit next to Paypal Holdings, Inc 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 1,644 complaints break down

Every complaint issue type on record for United Collection Bureau, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.5/100
United Collection Bureau, Inc.

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 F
1,644
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
17%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

United Collection Bureau, Inc. spreads filings across 50 states - Texas leads at only 15.0%

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

Most-even geography
Lead state under 15%
Texas still leads at 15.0% across 50 states
Even monthly load
Peak under 8%
Highest month 2025-07 at 6.6% (6 filings)
Corpus ranks
#112 volume
#231 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does United Collection Bureau, Inc. compare to its peers?

How does United Collection Bureau, Inc. 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 Collection Bureau, Inc. National average
Complaints (last 12 mo)lower is better
396
210
268
Timely-response ratehigher is better
99%
100%
91%
Consumer-dispute ratelower is better
17%
16%
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 Collection Bureau, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 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 80%85%90%95%100%105% 5%10%15%20%25%30% Timely response rate (%) Dispute rate (%) United Collection Bureau, Inc. vs. 10 similar-volume peers, by response speed and dispute rate United Collection Bureau, Inc.Paypal Holdings, IncExeter Finance, LLC.ENOVA INTERNATIONAL, INC.Monterey Financial Services LLCReceivables Management Partners, LLCThe Bureaus, Inc.TekCollect Inc.Dynamic Recovery Solutions, LLCCURO Intermediate HoldingsProfessional Debt Mediation, Inc.
Source: CFPB Consumer Complaint Database

United Collection Bureau, Inc.'s complaint volume in context

United Collection Bureau, Inc. 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)

1,644 Top 2% higher than 98% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. United Collection Bureau, Inc. 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)

Stable →
2024-03 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
585
Written notification about debt
340
Communication tactics
221
False statements or representation
164
Took or threatened to take negative or legal action
102
Cont'd attempts collect debt not owed
91
Threatened to contact someone or share information improperly
42
Improper contact or sharing of info
41
Disclosure verification of debt
39
Electronic communications
15

Where do complaints against United Collection Bureau, Inc. come from?

United Collection Bureau, Inc.'s own per-state count, not a national baseline.

Top states by complaints against United Collection Bureau, Inc.

Across 50 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 Collection Bureau, Inc.: 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: 1,644.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.79919946631087%.

4 peers

Know your rights before responding to United Collection Bureau, Inc.: 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.