Debt collector · complaint record
United Accounts complaints
Filed under United Accounts, Inc.
Consumers have filed 139 complaints about United Accounts since 2013, 39 of them in the last 12 months (+50% on the year before). It answered 46.2% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is took or threatened to take negative or legal action.
Poor response record. How it works
- Complaints on record
- 139
- Last 12 months
- 39
- Answered on time
- 46.2%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #363 of 1,963
Since October 2013
+50% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 21, 2026
Most complained-about debt collectors
United Accounts complaints by month
The busiest month was February 2026 (7 complaints). Complaints in the last 12 months are up 50% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How United Accounts answered last 12 months
- Closed with explanation39100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4546.2% on time
- Relief for customers0/400% closed with relief
- Complaint trend5/15+50% vs last year
What United Accounts complaints are about
Top United Accounts problems
Inside "Took or threatened to take negative or legal action"
- Threatened or suggested your credit would be damaged 27
- Sued you without properly notifying you of lawsuit 2
- Threatened to sue you for very old debt 1
- Threatened to arrest you or take you to jail if you do not pay 1
- Seized or attempted to seize your property 1
Where United Accounts complaints come from
Most complaints: North Dakota (63), Minnesota (25), California (7), Texas (6), South Dakota (4).
United Accounts compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | RemexDebt collection | 45 | 39 | D |
| 2 | Merchants Credit BureauDebt collection | 47 | 39 | D |
| 3 | Reliable Credit AssociationDebt collection | 12 | 39 | F |
| 4 | RMS-Recovery Management ServicesDebt collection | 40 | 39 | D |
| 5 | UnisaDebt collection | 18 | 39 | F |
| 6 | Collections USADebt collection | 48 | 39 | D |
| 7 | Texas GuaranteedDebt collection | 60 | 39 | C |
| 8 | United AccountsDebt collection | 5 | 39 | F |
Compare side by side: United Accounts vs Remex · United Accounts vs Merchants Credit Bureau · United Accounts vs Reliable Credit Association · United Accounts vs RMS-Recovery Management Services
What people say about United Accounts
All experiencesNo experiences with United Accounts yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest United Accounts complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 21, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 8, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Sep 19, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Sep 12, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Aug 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 12, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Jul 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 19, 2026 | Bank accounts | Credit monitoring or identity theft protection servicesBilling dispute for services | Explained |
| May 15, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| May 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Questions about United Accounts
How many complaints does United Accounts have?
United Accounts has 139 complaints on record since October 2013, including 39 in the last 12 months and 1 in the last 30 days. That makes it number 768 of every company by complaints this year.
Does United Accounts respond to complaints?
Yes. United Accounts answered 46.2% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 5/100 (grade F).
What do people complain about most with United Accounts?
The most common problems are took or threatened to take negative or legal action (32), attempts to collect debt not owed (25), communication tactics (8).
Is United Accounts legit?
United Accounts is a real company with a public complaint record: consumers have complained about it 139 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is United Accounts legit? for the signals, red flags and how to protect yourself.
Are complaints about United Accounts going up or down?
Up. There were 39 complaints in the last 12 months against 26 in the 12 before (+50%). See every month.
How do I file a complaint against United Accounts?
Complain to United Accounts in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most United Accounts complaints come from?
Most come from North Dakota (63), Minnesota (25), California (7). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about United Accounts
No comments yet. Start the conversation - questions are welcome too.