Total CFPB complaints
8
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 8 complaints
UNITED CREDIT CORP. OF SOUTHAVEN — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about UNITED CREDIT CORP. OF SOUTHAVEN
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
5 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
B
Grade B · 67.1/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about UNITED CREDIT CORP. OF SOUTHAVEN?
UNITED CREDIT CORP. OF SOUTHAVEN has accumulated 8 total CFPB complaints across 3 states, with 1 filed in the most recent 12 months against 7 historical complaints before that window. The trailing-12-month volume represents 12.5% 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 "Took or threatened to take negative or legal action", narrowing to "Sued you in a state where you do not live or did not sign for the debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 3 states, led by Louisiana with 5 and Mississippi with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 67.1/100 places UNITED CREDIT CORP. OF SOUTHAVEN in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
12.5% of total history
Stable →
States active
3
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
B
67.1/100 composite
Response-quality profile
How UNITED CREDIT CORP. OF SOUTHAVEN performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does UNITED CREDIT CORP. OF SOUTHAVEN compare to its peers?
UNITED CREDIT CORP. OF… 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)
2018-03 2025-07
Top Consumer Issues
Took or threatened to take negative or legal action5 (%)
Threatened to contact someone or share information improperly1 (%)
Communication tactics1 (%)
Written notification about debt1 (%)
Most common issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Sued you in a state where you do not live or did not sign for the debt | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
Where do complaints against UNITED CREDIT CORP. OF SOUTHAVEN come from?
The states where consumers have filed the most CFPB complaints against UNITED CREDIT CORP. OF SOUTHAVEN. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against UNITED CREDIT CORP. OF SOUTHAVEN
Across 3 states with at least one filing
- Louisiana
Louisiana
5 complaints
- Mississippi
Mississippi
2 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
Frequently Asked Questions
What is the most common complaint against UNITED CREDIT CORP. OF SOUTHAVEN? ▼
The most common issue consumers report about UNITED CREDIT CORP. OF SOUTHAVEN is "Took or threatened to take negative or legal action", specifically "Sued you in a state where you do not live or did not sign for the debt". This is based on 8 complaints filed with the CFPB.
Are complaints against UNITED CREDIT CORP. OF SOUTHAVEN increasing or decreasing? ▼
Complaints against UNITED CREDIT CORP. OF SOUTHAVEN have been stable. The company received 1 complaints in the last 12 months.
What is UNITED CREDIT CORP. OF SOUTHAVEN's reputation grade? ▼
UNITED CREDIT CORP. OF SOUTHAVEN has a reputation grade of B (score: 67.1/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does UNITED CREDIT CORP. OF SOUTHAVEN respond to consumer complaints? ▼
UNITED CREDIT CORP. OF SOUTHAVEN has a 100% timely response rate to CFPB complaints.
In how many states does UNITED CREDIT CORP. OF SOUTHAVEN operate? ▼
UNITED CREDIT CORP. OF SOUTHAVEN has received CFPB complaints from consumers in 3 states, with the most complaints from Louisiana (5 complaints).
What can I do if UNITED CREDIT CORP. OF SOUTHAVEN 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 CORP. OF SOUTHAVEN 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 |