What is the most common complaint against Universal Acceptance Corporation (NE)?

The most common issue consumers report about Universal Acceptance Corporation (NE) is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 72 complaints filed with the CFPB.

Are complaints against Universal Acceptance Corporation (NE) increasing or decreasing?

Complaints against Universal Acceptance Corporation (NE) are rising. The company received 23 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Universal Acceptance Corporation (NE)'s reputation grade?

Universal Acceptance Corporation (NE) has a reputation grade of B (score: 64.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Universal Acceptance Corporation (NE) respond to consumer complaints?

Universal Acceptance Corporation (NE) has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Universal Acceptance Corporation (NE) operate?

Universal Acceptance Corporation (NE) has received CFPB complaints from consumers in 19 states, with the most complaints from California (19 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Universal Acceptance Corporation (NE) - Debt Collector Complaint Profile

CFPB complaint profile across 19 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

26
Took or threatened to take negative or legal action

15
Written notification about debt

14
False statements or representation

5
Communication tactics

5
Disclosure verification of debt

2

Data updated September 2026

CFPB complaint disposition

CCDB record universal-acceptance-corporation-ne Universal Acceptance Corporation (NE)

Grade B · 72 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #991 · compose #1805

VOL 72
GRADE B
12MO 23
STATES 19
TIMELY 100%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #991
COMPOSE #1,805

Volume peers

Nearest volume peer: 4M Collections, LLC (72 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Universal Acceptance Corporation (NE)'s 72 CFPB complaints sit next to 4M Collections, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

California is the plurality state for Universal Acceptance Corporation (NE) (26.4%)

Volume rank #991 and composite rank #1,805 diverge by 814 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 26.4%; Mid-band (15–30%) · 19 states with ≥1 filing
Seasonal peak: 2024-05 11.4%; 8–15% band · 4 filings
Divergent corpus ranks: #991 volume; #1,805 composite; Cleanest-composite ladder is 814 places worse than volume

How does Universal Acceptance Corporation (NE) compare to its peers?

How does UNIVERSAL ACCEPTANCE CORPORATION (NE) compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

UNIVERSAL ACCEPTANCE C… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

14%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-01 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	26
Took or threatened to take negative or legal action	15
Written notification about debt	14
False statements or representation	5
Communication tactics	5
Disclosure verification of debt	2
Improper contact or sharing of info	2
Electronic communications	2
Cont'd attempts collect debt not owed	1

Where do complaints against Universal Acceptance Corporation (NE) come from?

Universal Acceptance Corporation (NE)'s own per-state count, not a national baseline.

California

19
Washington

13
Minnesota

12
Colorado

5
Arizona

4
Texas

3
Georgia

2
Iowa

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Universal Acceptance Corporation (NE): nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 72.

4 peers

Know your rights before responding to Universal Acceptance Corporation (NE): FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.