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

CFPB complaint data Grade C 123 complaints

United Credit and Collections Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade C.

Complaints by issue type

What consumers report about United Credit and Collections Inc.

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

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 123
  • GRADE C
  • 12MO 29
  • STATES 22
  • TIMELY 97%
  • DISPUTE 0%
  • ISSUE Attempts to collect debt n…
  • RANK #744
  • COMPOSE Not ranked

Volume peers

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

Global Solution BIZ LLC.Global Solution BIZ LLC.123High Point Asset IncHigh Point Asset Inc123United Credit and Collections Inc. (this)United Credit and Collection…123Central Research IncCentral Research Inc124Constar Financial Services, LLCConstar Financial Services, …124
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 →

How the 123 complaints break down

Every complaint issue type on record for United Credit and Collections Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
61.6/100
United Credit and Collections 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
123
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
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.

Spiky monthly series

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

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. 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)
Corpus ranks
#744 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Collections Inc. National average
Complaints (last 12 mo)lower is better
29
2
268
Timely-response ratehigher is better
97%
11%
91%
Consumer-dispute ratelower is better
0%
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 Credit and Collections Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 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 0%20%40%60%80%100%120% 0%20%40%60%80% Timely response rate (%) Dispute rate (%) United Credit and Collections Inc. vs. 7 similar-volume peers, by response speed and dispute rate United Credit and Collections Inc.High Point Asset IncGLOBAL SOLUTION BIZ LLC.Applied Business Services, Inc.Professional Adjustment Corp. of S.W. FL., Inc.Express Collections, Inc.Constar Financial Services, LLCAmerican Recovery Service Incorporated
Source: CFPB Consumer Complaint Database

United Credit and Collections Inc.'s complaint volume in context

United Credit and Collections 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)

123 Top 14% higher than 86% 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%). This entry sits in this band. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. United Credit and Collections 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 →
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.

Top states by complaints against United Credit and Collections Inc.

Across 22 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 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.