CFPB · Diversified product mix
United Auto Acceptance
112 CFPB complaints · diversified mix (top product 31.3%) · top issue Incorrect information on your report.
United Auto Acceptance: top product "Debt collection" is only 31.3% of 112 - multi-bucket mix. Timely 66.1% · relief 0.9%. Allegations, not findings.
- Diversified product mix
- +1100% filings 2013 to 2026
CFPB relief outcome brief
CCDB company united-auto-acceptance
0.9% relief · 66.1% timely · 112 filings · Debt collection
Same-product relief peers
Nearest relief peer: Sunrise Credit Services, Inc (0.9% relief)
United Auto Acceptance closes 0.9% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of United Auto Acceptance's 112 filings include narrative text
42% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
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 |
Concentrated filing states for United Auto Acceptance
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 82.1% of this company's filings
United Auto Acceptance rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 12
- +1100% vs 2013
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
United Auto Acceptance spreads across product buckets
United Auto Acceptance's 112 logged complaints stay concentrated: only 11 states show a filing. 42% of filings carry a written consumer narrative, 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for United Auto Acceptance: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 112.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 66.1%.
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.
Data sourced from official public datasets for United Auto Acceptance (66.1% timely; 0.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix