Bank · complaint record
United Community Bank complaints
Consumers have filed 162 complaints about United Community Bank since 2018, 28 of them in the last 12 months (+8% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical bank. The most common problem is managing an account.
Average response record. How it works
- Complaints on record
- 162
- Last 12 months
- 28
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #99 of 188
Since January 2018
+8% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Oct 23, 2026
Most complained-about banks & credit unions
United Community Bank complaints by month
The busiest month was December 2025 (6 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How United Community Bank answered last 12 months
- Closed with explanation28100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend9/15+8% vs last year
What United Community Bank complaints are about
Top United Community Bank problems
Inside "Managing an account"
- Problem using a debit or ATM card 15
- Deposits and withdrawals 12
- Problem accessing account 7
- Banking errors 6
- Funds not handled or disbursed as instructed 6
- Problem making or receiving payments 5
Where United Community Bank complaints come from
Most complaints: Georgia (71), South Carolina (22), North Carolina (17), Tennessee (14), Florida (12).
United Community Bank compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | BancfirstBank accounts | 49 | 28 | D |
| 2 | BannerBank accounts | 51 | 28 | C |
| 3 | Customers BancorpBank accounts | 57 | 28 | C |
| 4 | Lanier Law FirmBank accounts | 0 | 28 | F |
| 5 | United Community BankBank accounts | 54 | 28 | C |
| 6 | RBC BankBank accounts | 59 | 26 | C |
| 7 | TruebillBank accounts | 95 | 26 | A |
| 8 | City National BankBank accounts | 91 | 25 | A |
Compare side by side: United Community Bank vs Bancfirst · United Community Bank vs Banner · United Community Bank vs Customers Bancorp · United Community Bank vs Lanier Law Firm
What people say about United Community Bank
All experiencesNo experiences with United Community Bank yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest United Community Bank complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 23, 2026 | Bank accounts | Problem caused by your funds being lowLate or other fees | Explained |
| Oct 15, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Sep 24, 2026 | Bank accounts | Opening an accountUnable to open an account | Explained |
| Sep 22, 2026 | Bank accounts | Managing an accountBanking errors | Explained |
| Sep 8, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Sep 6, 2026 | Credit cards | Advertising and marketing, including promotional offersConfusing or misleading advertising about the credit card | Explained |
| Aug 21, 2026 | Bank accounts | Problem with a company's investigation into an existing problemWas not notified of investigation status or results | Explained |
| Jul 5, 2026 | Bank accounts | Problem caused by your funds being lowOverdrafts and overdraft fees | Explained |
| Jul 3, 2026 | Money transfers & apps | Fraud or scam | Explained |
| Jul 1, 2026 | Money transfers & apps | Fraud or scam | Explained |
| Jun 27, 2026 | Bank accounts | Opening an accountUnable to open an account | Explained |
| Jun 17, 2026 | Bank accounts | Managing an accountFunds not handled or disbursed as instructed | Explained |
Questions about United Community Bank
How many complaints does United Community Bank have?
United Community Bank has 162 complaints on record since January 2018, including 28 in the last 12 months and 1 in the last 30 days. That makes it number 911 of every company by complaints this year.
Does United Community Bank respond to complaints?
Yes. United Community Bank answered 100% 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 54/100 (grade C).
What do people complain about most with United Community Bank?
The most common problems are managing an account (55), problem caused by your funds being low (9), fraud or scam (5).
Is United Community Bank legit?
United Community Bank is a real company with a public complaint record: consumers have complained about it 162 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is United Community Bank legit? for the signals, red flags and how to protect yourself.
Are complaints about United Community Bank going up or down?
Roughly level. There were 28 complaints in the last 12 months against 26 in the 12 before (+8%). See every month.
How do I file a complaint against United Community Bank?
Complain to United Community Bank 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 Community Bank complaints come from?
Most come from Georgia (71), South Carolina (22), North Carolina (17). 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 Community Bank
No comments yet. Start the conversation - questions are welcome too.