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

CFPB complaint data Grade B 72 complaints

Universal Acceptance Corporation (NE) - Debt Collector Complaint Profile

CFPB complaint profile across 19 states, reputation grade B.

Complaints by issue type

What consumers report about Universal Acceptance Corporation (NE)

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 67.9/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of B: Universal Acceptance Corporation (NE) ranks ahead of 65% of the 5,283 collectors PlainCollector grades - 35% keep a cleaner CFPB record, on 72 all-time complaints and a 100% timely-response rate.

65th pct
reputation rank of 5,283 graded collectors
72
CFPB complaints, all-time
100%
answered inside the CFPB window
23
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Universal Acceptance Corporation (NE)?

Universal Acceptance Corporation (NE) has accumulated 72 total CFPB complaints across 19 states, with 23 filed in the most recent 12 months against 49 historical complaints before that window. The trailing-12-month volume represents 31.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 19 states, led by California with 19 and Washington with 13. Normalized against the full CFPB collector database, the reputation score of 67.9/100 places Universal Acceptance Corporation (NE) in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

72

low-volume (CCDB)

Last 12 months

23

31.9% of all-time complaints

Rising ↑

States active

19

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

67.9/100 composite

How does Universal Acceptance Corporation (NE)'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

68 65th percentile higher than 65% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Universal Acceptance Corporation (NE) versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 33.9%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
UNIVERSAL ACCEPTANCE C… National average
Complaints (last 12 mo)lower is better
23
6
268
Timely-response ratehigher is better
100%
91%
91%
Consumer-dispute ratelower is better
0%
14%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-01 2026-03

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Universal Acceptance Corporation (NE)

Across 19 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Universal Acceptance Corporation (NE) contacts you

A grade of B signals how Universal Acceptance Corporation (NE)'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Universal Acceptance Corporation (NE) and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Universal Acceptance Corporation (NE) ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 67.9/100), 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).

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

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.