Total CFPB complaints
76
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 76 complaints
United Debt Holdings, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 26 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about United Debt Holdings, LLC
- Taking/threatening an illegal action
Taking/threatening an illegal action
17 complaints
- Communication tactics
Communication tactics
11 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
8 complaints
- False statements or representation 5
False statements or representation
5 complaints
- Cont'd attempts collect debt not owed 5
Cont'd attempts collect debt not owed
5 complaints
- Improper contact or sharing of info 5
Improper contact or sharing of info
5 complaints
D
Grade D · 58.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about United Debt Holdings, LLC?
United Debt Holdings, LLC has accumulated 76 total CFPB complaints across 26 states, with 0 filed in the most recent 12 months against 76 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Taking/threatening an illegal action", narrowing to "Threatened arrest/jail if do not pay", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 84% timely-response rate against a 12% 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 26 states, led by Texas with 17 and California with 9, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.5/100 places United Debt Holdings, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
26
Distinct state filings
Timely response rate
84%
Within CFPB SLA window
Consumer disputes
12%
After company response
Reputation grade
D
58.5/100 composite
Response-quality profile
How United Debt Holdings, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 84.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 23.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 46.4%
Share of US states + territories with at least one filed complaint against this collector.
How does United Debt Holdings, LLC compare to its peers?
United Debt Holdings, … 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)
2016-05 2020-08
Top Consumer Issues
Taking/threatening an illegal action17 (%)
Communication tactics11 (%)
Took or threatened to take negative or legal action8 (%)
False statements or representation5 (%)
Cont'd attempts collect debt not owed5 (%)
Improper contact or sharing of info5 (%)
Written notification about debt3 (%)
Most common issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 15 |
| Communication tactics | Threatened to take legal action | 7 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 6 |
| False statements or representation | Impersonated an attorney or official | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| Improper contact or sharing of info | Talked to a third party about my debt | 5 |
| Communication tactics | Frequent or repeated calls | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Taking/threatening an illegal action | Sued where didn't live/sign for debt | 2 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 2 |
Where do complaints against United Debt Holdings, LLC come from?
The states where consumers have filed the most CFPB complaints against United Debt Holdings, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against United Debt Holdings, LLC
Across 26 states with at least one filing
- Texas
Texas
17 complaints
- California
California
9 complaints
- Ohio
Ohio
8 complaints
- Florida
Florida
7 complaints
- Indiana 4
Indiana
4 complaints
- Illinois 4
Illinois
4 complaints
- Maryland 3
Maryland
3 complaints
- Virginia 3
Virginia
3 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is United Debt Holdings, LLC's reputation grade? ▼
United Debt Holdings, LLC has a reputation grade of D (score: 58.5/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if United Debt Holdings, LLC 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 Debt Holdings, LLC 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 |