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

Data updated July 2026

D

Grade D · 56.2/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: United Collection Bureau, Inc. ranks ahead of 29% of the 5,283 collectors PlainCollector grades - 71% keep a cleaner CFPB record, on 1,644 all-time complaints and a 99% timely-response rate.

29th pct
reputation rank of 5,283 graded collectors
1,644
CFPB complaints, all-time
99%
answered inside the CFPB window
396
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 Collection Bureau, Inc.?

United Collection Bureau, Inc. has accumulated 1,644 total CFPB complaints across 50 states, with 396 filed in the most recent 12 months against 1,248 historical complaints before that window. The trailing-12-month volume represents 24.1% 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 "Debt is not yours". The company posts a 99% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 50 states, led by Texas with 246 and Florida with 183. Normalized against the full CFPB collector database, the reputation score of 56.2/100 places United Collection Bureau, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

1,644

high-volume (CCDB)

Last 12 months

396

24.1% of all-time complaints

Stable →

States active

50

nationwide footprint

Timely response rate

99%

excellent band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

D

56.2/100 composite

How does United Collection Bureau, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

56 29th percentile higher than 29% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 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 Collection Bureau, Inc. versus the debt-collection vertical average.

Timely response within SLA 98.8%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 16.9%
Vertical avg

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

State coverage breadth 89.3%

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

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, drawn from 10 collectors with a comparable complaint count
United Collection Bure… 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.

Complaint Trend (24 months)

2024-03 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if United Collection Bureau, Inc. contacts you

A grade of D signals how United Collection Bureau, Inc.'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 Collection Bureau, Inc. 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 Collection Bureau, Inc. 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 Collection Bureau, Inc.? ▼

The most common issue consumers report about United Collection Bureau, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,644 complaints filed with the CFPB.

Are complaints against United Collection Bureau, Inc. increasing or decreasing? ▼

Complaints against United Collection Bureau, Inc. have been stable. The company received 396 complaints in the last 12 months.

What is United Collection Bureau, Inc.'s reputation grade? ▼

United Collection Bureau, Inc. has a reputation grade of D (score: 56.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does United Collection Bureau, Inc. respond to consumer complaints? ▼

United Collection Bureau, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does United Collection Bureau, Inc. operate? ▼

United Collection Bureau, Inc. has received CFPB complaints from consumers in 50 states, with the most complaints from Texas (246 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.