Total CFPB complaints
115
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 115 complaints
United Credit and Collections Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about United Credit and Collections Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
39 complaints
- Written notification about debt
Written notification about debt
28 complaints
- False statements or representation
False statements or representation
21 complaints
- Took or threatened to take negative or legal action 12
Took or threatened to take negative or legal action
12 complaints
- Communication tactics 6
Communication tactics
6 complaints
C
Grade C · 64.6/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about United Credit and Collections Inc.?
United Credit and Collections Inc. has accumulated 115 total CFPB complaints across 22 states, with 35 filed in the most recent 12 months against 80 historical complaints before that window. The trailing-12-month volume represents 30.4% 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 97% timely-response rate against a 0% 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 22 states, led by Missouri with 24 and North Carolina with 16, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.6/100 places United Credit and Collections Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
35
30.4% of total history
Rising ↑
States active
22
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
64.6/100 composite
Response-quality profile
How United Credit and Collections Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 39.3%
Share of US states + territories with at least one filed complaint against this collector.
How does United Credit and Collections Inc. compare to its peers?
United Credit and Coll… 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)
2024-01 2026-03
Top Consumer Issues
Attempts to collect debt not owed39 (%)
Written notification about debt28 (%)
False statements or representation21 (%)
Took or threatened to take negative or legal action12 (%)
Communication tactics6 (%)
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 | 26 |
| Written notification about debt | Didn't receive enough information to verify debt | 18 |
| False statements or representation | Attempted to collect wrong amount | 18 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 12 |
| Written notification about debt | Didn't receive notice of right to dispute | 10 |
| Attempts to collect debt not owed | Debt was result of identity theft | 9 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Communication tactics | Used obscene, profane, or other abusive language | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 3 |
Where do complaints against United Credit and Collections Inc. come from?
The states where consumers have filed the most CFPB complaints against United Credit and Collections Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against United Credit and Collections Inc.
Across 22 states with at least one filing
- Missouri
Missouri
24 complaints
- North Carolina
North Carolina
16 complaints
- Texas
Texas
12 complaints
- Georgia 9
Georgia
9 complaints
- Pennsylvania 9
Pennsylvania
9 complaints
- South Carolina 8
South Carolina
8 complaints
- Illinois 6
Illinois
6 complaints
- Florida 6
Florida
6 complaints
Frequently Asked Questions
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 115 complaints filed with the CFPB.
Are complaints against United Credit and Collections Inc. increasing or decreasing? ▼
Complaints against United Credit and Collections Inc. are rising. The company received 35 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is United Credit and Collections Inc.'s reputation grade? ▼
United Credit and Collections Inc. has a reputation grade of C (score: 64.6/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if United Credit and Collections 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 Credit and Collections 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 |