CFPB · Single-product concentration
United Credit and Collections Inc.
151 CFPB complaints · 81.5% in "Debt collection" · top issue Attempts to collect debt not owed.
United Credit and Collections Inc.: 81.5% of 151 CFPB complaints sit in "Debt collection". Timely 98% · relief 8.6%. Allegations, not findings.
- Single-product concentration
- +1300% filings 2016 to 2026
CFPB relief outcome brief
CCDB company united-credit-and-collections-inc
8.6% relief · 98% timely · 151 filings · Debt collection
Same-product relief peers
Nearest relief peer: Shermeta Law Group, PLLC (8.6% relief)
United Credit and Collections Inc. closes 8.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of United Credit and Collections Inc.'s 151 filings include narrative text
49% 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 Credit and Collections Inc. complaint mix by product
- Debt collection 123 81.5% – 7% relief
- Credit reporting 15 9.9% – 0% relief
- Credit reporting, 10 6.6% – 30% relief
- Credit card 2 1.3% – 0% relief
- Consumer Loan 1 0.7% – 100% relief
How United Credit and Collections Inc.'s 151 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 123 |
| Credit reporting or other personal consumer reports | 15 |
| Credit reporting, credit repair services, or other personal consumer reports | 10 |
| Credit card | 2 |
| Consumer Loan | 1 |
Where United Credit and Collections Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- MO
- 18.5% of this company's filings
United Credit and Collections Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 14
- +1300% vs 2016
Top States
| State | Complaints |
|---|---|
| MO | 28 |
| TX | 19 |
| NC | 17 |
| GA | 13 |
| SC | 11 |
| FL | 11 |
| PA | 10 |
| MD | 8 |
| IL | 6 |
| MN | 3 |
| VA | 3 |
| NY | 3 |
| MS | 2 |
| NJ | 2 |
| NV | 2 |
| MA | 2 |
| KY | 2 |
| CA | 2 |
| NH | 1 |
| AZ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 45 |
| Written notification about debt | 30 |
| False statements or representation | 23 |
| Took or threatened to take negative or legal action | 13 |
| Incorrect information on your report | 12 |
| Improper use of your report | 10 |
| Communication tactics | 8 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Problem with a company's investigation into an existing problem | 2 |
| Disclosure verification of debt | 2 |
| Closing your account | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Cont'd attempts collect debt not owed | 1 |
| Managing the loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 1 | 0% |
| 2017 | 8 | 100% |
| 2018 | 4 | 100% |
| 2019 | 5 | 100% |
| 2020 | 4 | 100% |
| 2021 | 5 | 100% |
| 2022 | 15 | 100% |
| 2023 | 20 | 100% |
| 2024 | 30 | 96.7% |
| 2025 | 45 | 97.8% |
| 2026 | 14 | 100% |
Source: CFPB Consumer Complaint Database
United Credit and Collections Inc. filings cluster in one product
United Credit and Collections Inc.'s 151 logged complaints stay concentrated: only 25 states show a filing. 49% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2026-06-07.
United Credit and Collections Inc. answers 98% of complaints inside the CFPB's tracked window and closes 91.4% with a written explanation. 8.6% 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 "Attempts to collect debt not owed."
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 Credit and Collections Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for United Credit and Collections Inc.: 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: 151.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98%.
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 Credit and Collections Inc. (98% timely; 8.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration