United Holding Group, which appears in the CFPB database as UHG, LLC, buys and manages charged-off and non-performing consumer loans. If its name is on a letter or call, it may be the current owner of an old account, collecting through outside agencies.
- Type
- Debt buyer
- Also known as
- UHG, LLC; UHG; UHG I LLC; UHG II LLC; United Holdings Group, LLC
- Headquarters
- Parker, CO
- Collects
- charged-off consumer loans
- Phone numbers it lists
- (844) 511-2047
- Website
- uhgllc.com
61 debt collection complaints were sent to the Consumer Financial Protection Bureau about UHG, LLC 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 Holding Group?
United Holding Group (UHG) says it offers "management and acquisition of charged off and non performing consumer loans" to its "creditor partners," and describes itself as "an outlet for the divestiture" of charged-off, non-performing and partially performing consumer assets. In other words, it buys and manages defaulted consumer accounts. Its contact page gives a mailing address at 18632 Pony Express Drive, Suite B1-211, Parker, Colorado 80134, and a phone number of (844) 511-2047, with business hours of 9 a.m. to 5 p.m. Eastern. Its website lists NMLS ID 1699316 and California license 10189-99.
In January 2022 the CFPB filed a lawsuit in the U.S. District Court for the Western District of New York (No. 1:22-cv-00029) against United Holdings Group, LLC, related companies and three individuals. The CFPB's summary says the amended complaint names UHG, LLC, UHG I LLC and UHG II LLC, which it says held themselves out as United Holding Group. The Bureau alleged that the defendants bought defaulted consumer debt and placed it with collection agents they knew used false threats and misrepresentations. These are allegations; the CFPB's page does not report a final outcome, and we did not find one.
Why United Holding Group May Be Contacting You
A company that buys charged-off loans typically sends accounts to outside agencies or law firms to collect. You may see UHG's name as the "current creditor" in a letter from a different collector, or on your credit report. UHG's website does not list the lenders whose accounts it buys.
How to Check a Debt United Holding Group Says You Owe
- Insist on the validation notice. Whoever is collecting must name the current creditor and the original lender, give an itemization date and balance, and set a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing and ask for proof that your specific account was sold to UHG, plus the charge-off statement and the last payment date.
- Confirm the collector is real. Call UHG at the number on its website and ask whether it authorized the company contacting you. Don't pay a caller you can't verify.
- Check the statute of limitations. Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred debt (Tex. Fin. Code § 392.307). Other states vary.
What United Holding Group Can and Can't Do
A company whose principal purpose is collecting debts is a "debt collector" under the FDCPA even if it owns the debts (15 U.S.C. § 1692a(6)); a debt buyer that only owns debts and collects for itself may fall outside the "regularly collects for another" prong (Henson v. Santander, 582 U.S. 79 (2017)). Either way, its collectors may not threaten arrest, lawsuits they don't intend to file, or false credit consequences (15 U.S.C. § 1692e). See what a debt buyer is and our FDCPA attorneys page.
Government Actions on the Public Record
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 Holding Group 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 Holding Group: home page
- United Holding Group: About
- United Holding Group: Contact
- CFPB enforcement action: Manseth, Adamo, Turco, United Debt Holding LLC, JTM Capital Management, LLC, and United Holdings Group, LLC
- CFPB Consumer Complaint Database: UHG, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that United Holding Group has violated any law. Company details change; tell us if something here is out of date.