What is the most common complaint against United Credit Service Inc?

The most common issue consumers report about United Credit Service Inc is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 9 complaints filed with the CFPB.

Are complaints against United Credit Service Inc increasing or decreasing?

Complaints against United Credit Service Inc are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is United Credit Service Inc's reputation grade?

United Credit Service Inc has a reputation grade of B (score: 62.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does United Credit Service Inc respond to consumer complaints?

United Credit Service Inc has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.

In how many states does United Credit Service Inc operate?

United Credit Service Inc has received CFPB complaints from consumers in 2 states, with the most complaints from Wisconsin (8 complaints).

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

United Credit Service Inc - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

2
Took or threatened to take negative or legal action

2
False statements or representation

2
Written notification about debt

1
Cont'd attempts collect debt not owed

1
Disclosure verification of debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record united-credit-service-inc United Credit Service Inc

Grade B · 9 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #2660 · compose #2057

VOL 9
GRADE B
12MO 0
STATES 2
TIMELY 100%
DISPUTE 50%
ISSUE Attempts to collect debt n…
RANK #2,660
COMPOSE #2,057

Volume peers

Nearest volume peer: 1st Results Billings & Collections, Inc. (9 complaints)

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

United Credit Service Inc's 9 CFPB complaints sit next to 1st Results Billings & Collections, Inc. 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 →

State-heavy filing map

88.9% of United Credit Service Inc's CFPB filings land in Wisconsin

High volume does not equal a clean composite: United Credit Service Inc is volume #2,660 but composite #2,057, while Wisconsin dominates the geography. Corpus placement method.

Dominant state: Wisconsin 88.9%; 8 of 9 filings · 2 states touched
Spike month: 2015-08 40.0%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,660 volume; #2,057 composite; Cleanest-composite ladder is 603 places better than volume

How does United Credit Service Inc compare to its peers?

How does United Credit Service 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 Service … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

56%

91%

Consumer-dispute ratelower is better

50%

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-05 2015-11

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2
Took or threatened to take negative or legal action	2
False statements or representation	2
Written notification about debt	1
Cont'd attempts collect debt not owed	1
Disclosure verification of debt	1

Where do complaints against United Credit Service Inc come from?

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

Wisconsin

8
Iowa

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for United Credit Service 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: 9.

4 peers

Know your rights before responding to United Credit Service 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.