What is the most common complaint against United Credit and Collections Inc.?

The most common issue consumers report about United Credit and Collections Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 123 complaints filed with the CFPB.

Are complaints against United Credit and Collections Inc. increasing or decreasing?

Complaints against United Credit and Collections Inc. have been stable. The company received 29 complaints in the last 12 months.

What is United Credit and Collections Inc.'s reputation grade?

United Credit and Collections Inc. has a reputation grade of C (score: 61.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does United Credit and Collections Inc. respond to consumer complaints?

United Credit and Collections Inc. has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does United Credit and Collections Inc. operate?

United Credit and Collections Inc. has received CFPB complaints from consumers in 22 states, with the most complaints from Missouri (24 complaints).

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

United Credit and Collections Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

45
Written notification about debt

30
False statements or representation

23
Took or threatened to take negative or legal action

13
Communication tactics

8
Disclosure verification of debt

2

Data updated September 2026

CFPB complaint disposition

CCDB record united-credit-and-collections-inc United Credit and Collections Inc.

Grade C · 123 CFPB filings · 97% timely · lead issue: Attempts to collect debt not owed · vol #744 · compose #2166

VOL 123
GRADE C
12MO 29
STATES 22
TIMELY 97%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #744
COMPOSE #2,166

Volume peers

Nearest volume peer: Global Solution BIZ LLC. (123 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

United Credit and Collections Inc.'s 123 CFPB complaints sit next to Global Solution BIZ LLC. 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 →

Spiky monthly series

Missouri is the plurality state for United Credit and Collections Inc. (19.5%)

The 2015-06 spike coincides with a 1,422-place gap between volume rank #744 and composite #2,166. Corpus placement method.

Plurality state: Missouri 19.5%; Mid-band (15–30%) · 22 states with ≥1 filing
Spike month: 2015-06 16.7%; 3 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #744 volume; #2,166 composite; Cleanest-composite ladder is 1,422 places worse than volume

How does United Credit and Collections Inc. compare to its peers?

How does United Credit and Collections 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 Credit and Coll… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

97%

11%

91%

Consumer-dispute ratelower is better

16%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-06 2018-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	45
Written notification about debt	30
False statements or representation	23
Took or threatened to take negative or legal action	13
Communication tactics	8
Disclosure verification of debt	2
Cont'd attempts collect debt not owed	1
Threatened to contact someone or share information improperly	1

Where do complaints against United Credit and Collections Inc. come from?

United Credit and Collections Inc.'s own per-state count, not a national baseline.

Missouri

24
North Carolina

16
Texas

14
Georgia

11
Pennsylvania

9
South Carolina

9
Florida

7
Illinois

6

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for United Credit and Collections 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: 123.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.3913043478261%.

4 peers

Know your rights before responding to United Credit and Collections 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.