Total CFPB complaints
1,499
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 1,499 complaints
United Collection Bureau, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 50 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about United Collection Bureau, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
484 complaints
- Written notification about debt
Written notification about debt
296 complaints
- Communication tactics 189
Communication tactics
189 complaints
- False statements or representation 133
False statements or representation
133 complaints
- Took or threatened to take negative or legal action 63
Took or threatened to take negative or legal action
63 complaints
- Cont'd attempts collect debt not owed 51
Cont'd attempts collect debt not owed
51 complaints
D
Grade D · 56.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about United Collection Bureau, Inc.?
United Collection Bureau, Inc. has accumulated 1,499 total CFPB complaints across 50 states, with 338 filed in the most recent 12 months against 1,161 historical complaints before that window. The trailing-12-month volume represents 22.5% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 17% 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 50 states, led by Texas with 222 and Florida with 150, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.2/100 places United Collection Bureau, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
338
22.5% of total history
Rising ↑
States active
50
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
D
56.2/100 composite
Response-quality profile
How United Collection Bureau, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 33.8%
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?
United Collection Bure… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed484 (%)
Written notification about debt296 (%)
Communication tactics189 (%)
False statements or representation133 (%)
Took or threatened to take negative or legal action63 (%)
Cont'd attempts collect debt not owed51 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 278 |
| Written notification about debt | Didn't receive enough information to verify debt | 208 |
| Communication tactics | Frequent or repeated calls | 139 |
| False statements or representation | Attempted to collect wrong amount | 133 |
| Attempts to collect debt not owed | Debt was paid | 105 |
| Attempts to collect debt not owed | Debt was result of identity theft | 101 |
| Written notification about debt | Didn't receive notice of right to dispute | 88 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 63 |
| Cont'd attempts collect debt not owed | Debt is not mine | 51 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 50 |
Where do complaints against United Collection Bureau, Inc. come from?
The states where consumers have filed the most CFPB complaints against United Collection Bureau, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against United Collection Bureau, Inc.
Across 50 states with at least one filing
- Texas
Texas
222 complaints
- Florida
Florida
150 complaints
- Georgia
Georgia
102 complaints
- Michigan
Michigan
101 complaints
- California
California
93 complaints
- New York 79
New York
79 complaints
- Ohio 73
Ohio
73 complaints
- Louisiana 63
Louisiana
63 complaints
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 1,499 complaints filed with the CFPB.
Are complaints against United Collection Bureau, Inc. increasing or decreasing? ▼
Complaints against United Collection Bureau, Inc. are rising. The company received 338 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is United Collection Bureau, Inc.'s reputation grade? ▼
United Collection Bureau, Inc. has a reputation grade of D (score: 56.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (222 complaints).
What can I do if United Collection 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 Collection 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 |