CFPB · Narrative-heavy record
United Community Bank
152 CFPB complaints · 41.4% with narratives · top issue Managing an account.
United Community Bank: 41.4% of 152 filings include consumer narratives. Timely 97.4% · relief 10.5% · top product Checking or savings account. Allegations, not findings.
- Narrative-heavy record
- +10% filings 2018 to 2026
CFPB relief outcome brief
CCDB company united-community-bank
10.5% relief · 97.4% timely · 152 filings · Checking or savings account
Same-product relief peers
Nearest relief peer: Truist Financial Corporation (10.7% relief)
United Community Bank closes 10.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of United Community Bank's 152 filings include narrative text
41.4% 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 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 |
Concentrated filing states for United Community Bank
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 44.7% of this company's filings
United Community Bank complaints by year
Annual filing volume from the CFPB public database
- 2026
- 11
- +10% vs 2018
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
United Community Bank's narrative-rich complaint ledger
United Community Bank's 152 logged complaints stay concentrated: only 18 states show a filing. 41.4% of filings carry a written consumer narrative, 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for United Community Bank: 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: 152.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 97.4%.
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 Community Bank (97.4% timely; 10.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record