Debt collector · complaint record
United Credit and Collections complaints
Filed under United Credit and Collections Inc.
Consumers have filed 161 complaints about United Credit and Collections since 2016, 30 of them in the last 12 months (-27% on the year before). It answered 100% on time and closed 17% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Good response record. How it works
- Complaints on record
- 161
- Last 12 months
- 30
- Answered on time
- 100%
- Closed with relief
- 17%
- Last 30 days
- 2
- Rank
- #425 of 1,963
Since November 2016
-27% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 25, 2026
Most complained-about debt collectors
United Credit and Collections complaints by month
The busiest month was February 2024 (6 complaints). Complaints in the last 12 months are down 27% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How United Credit and Collections answered last 12 months
- Closed with monetary relief26.7%
- Closed with non-monetary relief310%
- Closed with explanation2583.3%
"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 customers14/4016.7% closed with relief
- Complaint trend15/15-27% vs last year
What United Credit and Collections complaints are about
Top United Credit and Collections problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 34
- Debt was result of identity theft 11
- Debt was paid 4
- Debt was already discharged in bankruptcy and is no longer owed 2
Where United Credit and Collections complaints come from
Most complaints: Missouri (29), Texas (19), North Carolina (18), Florida (14), South Carolina (13).
United Credit and Collections compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | TriVerityDebt collection | 100 | 30 | A |
| 2 | States Recovery SystemsDebt collection | 27 | 30 | F |
| 3 | Alexander-Rose AssocDebt collection | 57 | 30 | C |
| 4 | Kora FinancialDebt collection | 38 | 30 | D |
| 5 | Convergent ResourcesDebt collection | 60 | 30 | C |
| 6 | Patenaude & Felix A ProfessionalDebt collection | 30 | 30 | F |
| 7 | Wilber and Associates, P.CDebt collection | 60 | 30 | C |
| 8 | United Credit and CollectionsDebt collection | 74 | 30 | B |
Compare side by side: United Credit and Collections vs TriVerity · United Credit and Collections vs States Recovery Systems · United Credit and Collections vs Alexander-Rose Assoc · United Credit and Collections vs Kora Financial
What people say about United Credit and Collections
All experiencesNo experiences with United Credit and Collections yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest United Credit and Collections complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 25, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Sep 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Sep 30, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Sep 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 20, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Money back |
| Aug 13, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Money back |
| Jun 7, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 4, 2026 | Credit cards | Closing your accountCompany closed your account | Explained |
| May 28, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
Questions about United Credit and Collections
How many complaints does United Credit and Collections have?
United Credit and Collections has 161 complaints on record since November 2016, including 30 in the last 12 months and 2 in the last 30 days. That makes it number 885 of every company by complaints this year.
Does United Credit and Collections respond to complaints?
Yes. United Credit and Collections answered 100% of its complaints on time (within 15 days) and closed 17% with relief - money back or a fix; 6.7% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 74/100 (grade B).
What do people complain about most with United Credit and Collections?
The most common problems are attempts to collect debt not owed (51), false statements or representation (25), incorrect information on your report (14).
Is United Credit and Collections legit?
United Credit and Collections is a real company with a public complaint record: consumers have complained about it 161 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is United Credit and Collections legit? for the signals, red flags and how to protect yourself.
Are complaints about United Credit and Collections going up or down?
Down. There were 30 complaints in the last 12 months against 41 in the 12 before (-27%). See every month.
How do I file a complaint against United Credit and Collections?
Complain to United Credit and Collections 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 Credit and Collections complaints come from?
Most come from Missouri (29), Texas (19), North Carolina (18). 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
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