United Community Bank
152 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 Community Bank complaint mix by product
- Checking or 79 53.4% – 13% relief
- Mortgage 40 27.0% – 10% relief
- Money transfer, 7 4.7% – 0% relief
- Debt collection 7 4.7% – 0% relief
- Payday loan, 6 4.1% – 17% relief
- Credit reporting 5 3.4% – 0% relief
- Vehicle loan 4 2.7% – 0% relief
How United Community Bank's 152 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Checking or savings account | 79 |
| Mortgage | 40 |
| Money transfer, virtual currency, or money service | 7 |
| Debt collection | 7 |
| Payday loan, title loan, or personal loan | 6 |
| Credit reporting or other personal consumer reports | 5 |
| Vehicle loan or lease | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Credit card | 1 |
Top States
| State | Complaints |
|---|---|
| GA | 68 |
| SC | 20 |
| TN | 14 |
| NC | 14 |
| FL | 10 |
| AL | 4 |
| NH | 3 |
| VA | 2 |
| PA | 2 |
| UT | 1 |
| CO | 1 |
| VT | 1 |
| NJ | 1 |
| MO | 1 |
| KY | 1 |
| NV | 1 |
| CA | 1 |
| OH | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 52 |
| Trouble during payment process | 19 |
| Closing an account | 10 |
| Applying for a mortgage or refinancing an existing mortgage | 10 |
| Incorrect information on your report | 8 |
| Closing on a mortgage | 7 |
| Problem caused by your funds being low | 7 |
| Problem with a lender or other company charging your account | 5 |
| Opening an account | 4 |
| Fraud or scam | 3 |
| Managing the loan or lease | 3 |
| Problem with customer service | 2 |
| Attempts to collect debt not owed | 2 |
| Problem with the payoff process at the end of the loan | 2 |
| Struggling to pay mortgage | 2 |
| Written notification about debt | 2 |
| Took or threatened to take negative or legal action | 2 |
| Problem when making payments | 2 |
| Problem with a company's investigation into an existing problem | 1 |
| Problem with a company's investigation into an existing issue | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 10 | 100% |
| 2019 | 10 | 100% |
| 2020 | 18 | 94.4% |
| 2021 | 15 | 100% |
| 2022 | 27 | 96.3% |
| 2023 | 18 | 88.9% |
| 2024 | 17 | 100% |
| 2025 | 26 | 100% |
| 2026 | 11 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About United Community Bank
United Community Bank's 152 logged complaints stay concentrated: only 18 states show a filing on record. 41.4% 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 2018 through 2026-06-21.
United Community Bank answers 97.4% of complaints inside the CFPB's tracked window and closes 88.2% with a written explanation. 10.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Checking or savings account" draws the most filings, most often for "Managing an account."
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 Community Bank.
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 Community Bank have?
152, per the CFPB's public complaint count for this company (see the full breakdown above).
Does United Community Bank respond to complaints on time?
97.4% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about United Community Bank?
"Managing an account", filed under the "Checking or savings account" 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.