Total CFPB complaints
34
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 34 complaints
United Shore Financial Services, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 17 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about United Shore Financial Services, LLC
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
11 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
11 complaints
- Written notification about debt 4
Written notification about debt
4 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
D
Grade D · 58.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about United Shore Financial Services, LLC?
United Shore Financial Services, LLC has accumulated 34 total CFPB complaints across 17 states, with 18 filed in the most recent 12 months against 16 historical complaints before that window. The trailing-12-month volume represents 52.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 17 states, led by Texas with 6 and California with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.1/100 places United Shore Financial Services, 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
18
52.9% of total history
Rising ↑
States active
17
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
58.1/100 composite
Response-quality profile
How United Shore Financial Services, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 30.4%
Share of US states + territories with at least one filed complaint against this collector.
How does United Shore Financial Services, LLC compare to its peers?
United Shore Financial… 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)
2020-12 2026-02
Top Consumer Issues
Took or threatened to take negative or legal action11 (%)
Attempts to collect debt not owed11 (%)
Written notification about debt4 (%)
False statements or representation4 (%)
Threatened to contact someone or share information improperly1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 7 |
| Attempts to collect debt not owed | Debt is not yours | 6 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| False statements or representation | Indicated you were committing crime by not paying debt | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
Where do complaints against United Shore Financial Services, LLC come from?
The states where consumers have filed the most CFPB complaints against United Shore Financial Services, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against United Shore Financial Services, LLC
Across 17 states with at least one filing
- Texas
Texas
6 complaints
- California
California
5 complaints
- New York
New York
4 complaints
- New Jersey 2
New Jersey
2 complaints
- South Carolina 2
South Carolina
2 complaints
- Georgia 2
Georgia
2 complaints
- North Carolina 2
North Carolina
2 complaints
- Arizona 2
Arizona
2 complaints
Frequently Asked Questions
What is the most common complaint against United Shore Financial Services, LLC? ▼
The most common issue consumers report about United Shore Financial Services, LLC is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 34 complaints filed with the CFPB.
Are complaints against United Shore Financial Services, LLC increasing or decreasing? ▼
Complaints against United Shore Financial Services, LLC are rising. The company received 18 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is United Shore Financial Services, LLC's reputation grade? ▼
United Shore Financial Services, LLC has a reputation grade of D (score: 58.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does United Shore Financial Services, LLC respond to consumer complaints? ▼
United Shore Financial Services, LLC has a 100% timely response rate to CFPB complaints.
In how many states does United Shore Financial Services, LLC operate? ▼
United Shore Financial Services, LLC has received CFPB complaints from consumers in 17 states, with the most complaints from Texas (6 complaints).
What can I do if United Shore Financial Services, 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 Shore Financial Services, 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 |