Total CFPB complaints
14
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 14 complaints
United Financial Service — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about United Financial Service
- Disclosure verification of debt
Disclosure verification of debt
5 complaints
- Written notification about debt
Written notification about debt
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2 complaints
- False statements or representation 1
False statements or representation
1 complaints
C
Grade C · 61.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about United Financial Service?
United Financial Service has accumulated 14 total CFPB complaints across 5 states, with 0 filed in the most recent 12 months against 14 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Disclosure verification of debt", narrowing to "Not given enough info to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 79% timely-response rate against a 29% 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 5 states, led by California with 7 and Florida with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.3/100 places United Financial Service 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
0
0.0% of total history
Falling ↓
States active
5
Distinct state filings
Timely response rate
79%
Within CFPB SLA window
Consumer disputes
29%
After company response
Reputation grade
C
61.3/100 composite
Response-quality profile
How United Financial Service performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 78.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 57.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does United Financial Service compare to its peers?
United Financial Servi… 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)
2014-02 2024-04
Top Consumer Issues
Disclosure verification of debt5 (%)
Written notification about debt3 (%)
Attempts to collect debt not owed3 (%)
Cont'd attempts collect debt not owed2 (%)
False statements or representation1 (%)
Most common issue: Disclosure verification of debt — Not given enough info to verify 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 |
|---|---|---|
| Disclosure verification of debt | Not given enough info to verify debt | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 1 |
Where do complaints against United Financial Service come from?
The states where consumers have filed the most CFPB complaints against United Financial Service. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against United Financial Service
Across 5 states with at least one filing
- California
California
7 complaints
- Florida
Florida
3 complaints
- Ohio 1
Ohio
1 complaints
- Nevada 1
Nevada
1 complaints
- Texas 1
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against United Financial Service? ▼
The most common issue consumers report about United Financial Service is "Disclosure verification of debt", specifically "Not given enough info to verify debt". This is based on 14 complaints filed with the CFPB.
Are complaints against United Financial Service increasing or decreasing? ▼
Complaints against United Financial Service are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is United Financial Service's reputation grade? ▼
United Financial Service has a reputation grade of C (score: 61.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does United Financial Service respond to consumer complaints? ▼
United Financial Service has a 79% timely response rate to CFPB complaints. Consumers disputed the company's response in 29% of cases.
In how many states does United Financial Service operate? ▼
United Financial Service has received CFPB complaints from consumers in 5 states, with the most complaints from California (7 complaints).
What can I do if United Financial Service 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 Financial Service 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 |