United Auto Acceptance
112 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
United Auto Acceptance complaint mix by product
- Debt collection 35 31.3% – 0% relief
- Vehicle loan 27 24.1% – 0% relief
- Credit reporting 23 20.5% – 4% relief
- Credit reporting, 18 16.1% – 0% relief
- Consumer Loan 7 6.3% – 0% relief
- Credit reporting 1 0.9% – 0% relief
- Credit card 1 0.9% – 0% relief
How United Auto Acceptance's 112 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 35 |
| Vehicle loan or lease | 27 |
| Credit reporting or other personal consumer reports | 23 |
| Credit reporting, credit repair services, or other personal consumer reports | 18 |
| Consumer Loan | 7 |
| Credit reporting | 1 |
| Credit card or prepaid card | 1 |
Top States
| State | Complaints |
|---|---|
| GA | 92 |
| FL | 5 |
| NC | 4 |
| TX | 3 |
| MO | 1 |
| AL | 1 |
| MD | 1 |
| IA | 1 |
| MS | 1 |
| NV | 1 |
| OK | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 28 |
| Took or threatened to take negative or legal action | 11 |
| Attempts to collect debt not owed | 11 |
| Repossession | 8 |
| Improper use of your report | 7 |
| Written notification about debt | 6 |
| Managing the loan or lease | 5 |
| Struggling to pay your loan | 5 |
| Getting a loan or lease | 5 |
| Problem with a company's investigation into an existing problem | 4 |
| Problems when you are unable to pay | 4 |
| Problems at the end of the loan or lease | 3 |
| Communication tactics | 3 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| False statements or representation | 2 |
| Credit monitoring or identity theft protection services | 1 |
| Taking out the loan or lease | 1 |
| Incorrect information on credit report | 1 |
| Disclosure verification of debt | 1 |
| Shopping for a loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 0% |
| 2014 | 2 | 100% |
| 2015 | 2 | 50% |
| 2016 | 5 | 80% |
| 2017 | 7 | 100% |
| 2018 | 6 | 100% |
| 2019 | 1 | 100% |
| 2020 | 9 | 66.7% |
| 2021 | 8 | 100% |
| 2022 | 13 | 7.7% |
| 2023 | 4 | 75% |
| 2024 | 16 | 87.5% |
| 2025 | 26 | 65.4% |
| 2026 | 12 | 33.3% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About United Auto Acceptance
United Auto Acceptance's 112 logged complaints stay concentrated: only 11 states show a filing on record. 42% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2013 through 2026-05-28.
United Auto Acceptance answers 66.1% of complaints inside the CFPB's tracked window and closes 98.2% with a written explanation. 0.9% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about United Auto Acceptance.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does United Auto Acceptance have?
112, per the CFPB's public complaint count for this company (see the full breakdown above).
Does United Auto Acceptance respond to complaints on time?
66.1% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about United Auto Acceptance?
"Incorrect information on your report", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.