United Accounts, Inc. (UAI) is a locally owned collection agency in Fargo, North Dakota that has collected since 1951, mainly in North Dakota, South Dakota and Minnesota. It handles accounts for property managers, health care providers, utilities, government and many other businesses.
- Type
- Collection agency
- Also known as
- United Accounts, Inc.; UAI
- Headquarters
- Fargo, ND
- Collects
- rent and property management balances, medical and hospital bills, utility bills, telecommunications bills, government accounts, financial and retail accounts, education accounts
- Phone numbers it lists
- (701) 237-9494, (800) 726-3864
- Website
- unitedaccounts.com
59 debt collection complaints were sent to the Consumer Financial Protection Bureau about United Accounts, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is United Accounts?
United Accounts, Inc. (UAI) is a collection agency in Fargo, North Dakota (P.O. Box 9239, Fargo, ND 58106). It says it has delivered collection services since 1951, describes itself as locally owned and operated, and is a member of the American Collectors Association. UAI says it works primarily in North Dakota, South Dakota and Minnesota but can collect nationally. Its services include pre-collection, collection, credit reporting, and legal collection and referral. We did not find a CFPB enforcement action against United Accounts.
Why United Accounts May Be Contacting You
UAI lists a wide range of client industries: property management, leasing and rentals, health care, hospitals, private practices, city and state government, utilities, telecommunications, financial, retail, commercial, education, and construction and trades. If you once lived or received care in the Fargo–Moorhead area or elsewhere in the Upper Midwest, the account may be:
- unpaid rent or damages from an apartment lease;
- a clinic, hospital or dental balance;
- a final utility, phone or internet bill;
- a city fee or a school or college balance.
Because UAI offers "legal collection and referral," an account it cannot resolve may be sent to a lawyer for suit.
How to Check a Debt United Accounts Says You Owe
A balance from a move years ago is worth checking line by line.
- Review the validation notice for the creditor, the itemization date and the breakdown of the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. For a lease, ask for the lease, the move-out inspection and how your deposit was applied. For a medical bill, ask for the itemized statement and insurance payments.
- Confirm the current owner of the account.
- Check the balance against your bank records and final bills.
- Watch the time limit. In Texas, debt suits generally must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). North Dakota, South Dakota and Minnesota have their own limits.
What United Accounts Can and Can't Do
UAI collects debts owed to its clients, so it is a "debt collector" under 15 U.S.C. § 1692a(6).
- It may not report a debt to a credit bureau before it has communicated with you about it (12 C.F.R. § 1006.30(a)); see how long a collection can stay on your report.
- Its fees are "contingent upon collection," it says, but any collection fee added to your balance must be allowed by your contract or by law (15 U.S.C. § 1692f(1)).
- A lawyer it refers your account to must sue where you live or signed the contract (15 U.S.C. § 1692i).
- It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
If UAI's collection seemed unfair, see our Texas FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If United Accounts or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- United Accounts: home page
- United Accounts: About Us
- United Accounts: Industries We Serve
- CFPB Consumer Complaint Database: United Accounts, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that United Accounts has violated any law. Company details change; tell us if something here is out of date.