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

CFPB complaint data Grade C 19 complaints

United Guaranty Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade C.

Complaints by issue type

What consumers report about United Guaranty Corporation

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 59.9/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: United Guaranty Corporation ranks ahead of 42% of the 5,283 collectors PlainCollector grades - 58% keep a cleaner CFPB record, on 19 all-time complaints and a 95% timely-response rate.

42nd pct
reputation rank of 5,283 graded collectors
19
CFPB complaints, all-time
95%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about United Guaranty Corporation?

United Guaranty Corporation has accumulated 19 total CFPB complaints across 11 states, with 0 filed in the most recent 12 months against 19 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine". The company posts a 95% timely-response rate against a 50% consumer-dispute-after-response rate.

Complaints have been recorded across 11 states, led by Florida with 7 and California with 2. Normalized against the full CFPB collector database, the reputation score of 59.9/100 places United Guaranty Corporation in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

19

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

11

regional footprint

Timely response rate

95%

good band

Consumer disputes

50%

high (vertical avg ~19%)

Reputation grade

C

59.9/100 composite

How does United Guaranty Corporation's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

60 42nd percentile higher than 42% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

United Guaranty Corporation versus the debt-collection vertical average.

Timely response within SLA 94.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 50.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 19.6%

Share of US states + territories with at least one filed complaint against this collector.

How does United Guaranty Corporation compare to its peers?

How does UNITED GUARANTY CORPORATION compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
UNITED GUARANTY CORPOR… National average
Complaints (last 12 mo)lower is better
0
2
268
Timely-response ratehigher is better
95%
100%
91%
Consumer-dispute ratelower is better
50%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-11 2026-01

Issue Detail Breakdown

Issue Sub-Issue Complaints
Cont'd attempts collect debt not owed - 6
Taking/threatening an illegal action - 3
Attempts to collect debt not owed - 2
Written notification about debt - 2
Communication tactics - 2
Disclosure verification of debt - 2
False statements or representation - 1
Improper contact or sharing of info - 1

Where do complaints against United Guaranty Corporation come from?

United Guaranty Corporation's own per-state count, not a national baseline.

Top states by complaints against United Guaranty Corporation

Across 11 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if United Guaranty Corporation contacts you

A grade of C signals how United Guaranty Corporation's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really United Guaranty Corporation and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how United Guaranty Corporation ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against United Guaranty Corporation? ▼

The most common issue consumers report about United Guaranty Corporation is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 19 complaints filed with the CFPB.

Are complaints against United Guaranty Corporation increasing or decreasing? ▼

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

What is United Guaranty Corporation's reputation grade? ▼

United Guaranty Corporation has a reputation grade of C (score: 59.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does United Guaranty Corporation respond to consumer complaints? ▼

United Guaranty Corporation has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.

In how many states does United Guaranty Corporation operate? ▼

United Guaranty Corporation has received CFPB complaints from consumers in 11 states, with the most complaints from Florida (7 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.