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Data / Consumer complaints / United Credit and Collections Inc.

United Credit and Collections Inc.: 105 CFPB consumer complaints in the last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

United Credit and Collections Inc. drew 105 consumer complaints in the CFPB database in the three years to November 6, 2026, and 161 since 2016. The largest group, 87, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 34. The company responded on time to 98.1% of the complaints, and 5.7% closed with monetary or other relief.

The request: Watch United Credit and Collections Inc.: each new CFPB complaint by product and issue, with the date and the company response. $10 of work on sign-up, no card.

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SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 105Complaints, last 3 years
  • 161Complaints, all years
  • 98.1%Responded on time
  • 5.7%Closed with relief
  • 3Products
  • Oct 25, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 624
202545
202430
202320
202215
20215
20204
20195
20184
20178
20161

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection8782.9%
Credit reporting or other personal consumer reports1615.2%
Credit card21.9%

Issues

IssueComplaintsShare
Attempts to collect debt not owed3432.4%
Written notification about debt2321.9%
False statements or representation2019%
Incorrect information on your report1110.5%
Took or threatened to take negative or legal action76.7%
Improper use of your report43.8%
Communication tactics21.9%
Problem with a company's investigation into an existing problem21.9%
Closing your account11%
Threatened to contact someone or share information improperly11%

How the company responded

Company responseComplaintsShare
Closed with explanation9994.3%
Closed with non-monetary relief43.8%
Closed with monetary relief21.9%

States

StateComplaintsShare
Missouri1716.2%
North Carolina1312.4%
Texas1312.4%
Florida109.5%
Pennsylvania98.6%
South Carolina98.6%
Georgia87.6%
Maryland65.7%
Minnesota32.9%
Virginia32.9%
California21.9%
Kentucky21.9%
New Jersey21.9%
Nevada21.9%
New York21.9%
Arizona11%
Illinois11%
Massachusetts11%
West Virginia11%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 25, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 10, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
September 30, 2026Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
September 30, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
September 10, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 15, 2026Debt collectionAttempts to collect debt not owedClosed with monetary reliefconsumerfinance.gov
August 13, 2026Debt collectionAttempts to collect debt not owedClosed with monetary reliefconsumerfinance.gov
June 7, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
June 4, 2026Credit cardClosing your accountClosed with explanationconsumerfinance.gov
May 28, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 10, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 5, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 11, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
April 2, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 12, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 11, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
March 1, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 1, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 28, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
February 12, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 30, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
December 4, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 4, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 30, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 26, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 18, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 27, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 21, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 21, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 13, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 1, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 29, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 26, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 24, 2025Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 11, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 26, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 18, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 11, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 2, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 2, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 25, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 21, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 30, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
June 26, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 18, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
June 11, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov

Also on SpecStream

Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.