What is the most common complaint against United Debt Holdings, LLC?

The most common issue consumers report about United Debt Holdings, LLC is "Taking/threatening an illegal action", specifically "Threatened arrest/jail if do not pay". This is based on 76 complaints filed with the CFPB.

Are complaints against United Debt Holdings, LLC increasing or decreasing?

Complaints against United Debt Holdings, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is United Debt Holdings, LLC's reputation grade?

United Debt Holdings, LLC has a reputation grade of D (score: 55.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does United Debt Holdings, LLC respond to consumer complaints?

United Debt Holdings, LLC has a 84% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.

In how many states does United Debt Holdings, LLC operate?

United Debt Holdings, LLC has received CFPB complaints from consumers in 26 states, with the most complaints from Texas (17 complaints).

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

United Debt Holdings, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 26 states, reputation grade D.

Compiled by PlainCollector

Taking/threatening an illegal action

18
Communication tactics

14
Took or threatened to take negative or legal action

8
Cont'd attempts collect debt not owed

8
False statements or representation

7
Improper contact or sharing of info

6

Data updated September 2026

CFPB complaint disposition

CCDB record united-debt-holdings-llc United Debt Holdings, LLC

Grade D · 76 CFPB filings · 84% timely · lead issue: Taking/threatening an illegal action · vol #958 · compose #3345

VOL 76
GRADE D
12MO 0
STATES 26
TIMELY 84%
DISPUTE 12%
ISSUE Taking/threatening an ille…
RANK #958
COMPOSE #3,345

Volume peers

Nearest volume peer: Allgate Financial, LLC (76 complaints)

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

United Debt Holdings, LLC's 76 CFPB complaints sit next to Allgate Financial, 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 →

Steady monthly series

Texas is the plurality state for United Debt Holdings, LLC (22.4%)

Volume rank #958 and composite rank #3,345 diverge by 2,387 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 22.4%; Mid-band (15–30%) · 26 states with ≥1 filing
Even monthly load: Peak under 8%; Highest month 2015-12 at 4.2% (1 filings)
Divergent corpus ranks: #958 volume; #3,345 composite; Cleanest-composite ladder is 2,387 places worse than volume

How does United Debt Holdings, LLC compare to its peers?

How does United Debt Holdings, LLC 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 Debt Holdings, … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

84%

93%

91%

Consumer-dispute ratelower is better

12%

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-12 2023-11

Issue Detail Breakdown

Issue	Complaints
Taking/threatening an illegal action	18
Communication tactics	14
Took or threatened to take negative or legal action	8
Cont'd attempts collect debt not owed	8
False statements or representation	7
Improper contact or sharing of info	6
Written notification about debt	5
Disclosure verification of debt	4
Attempts to collect debt not owed	3
Threatened to contact someone or share information improperly	3

Where do complaints against United Debt Holdings, LLC come from?

United Debt Holdings, LLC's own per-state count, not a national baseline.

Texas

17
California

9
Ohio

8
Florida

7
Illinois

4
Indiana

4
Maryland

3
Virginia

3

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for United Debt Holdings, LLC: 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: 76.

4 peers

Know your rights before responding to United Debt Holdings, LLC: 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.