Total CFPB complaints
59
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 59 complaints
UNIVERSAL ACCEPTANCE CORPORATION (NE) — Debt Collector Complaint Profile
CFPB complaint profile across 18 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about UNIVERSAL ACCEPTANCE CORPORATION (NE)
- Attempts to collect debt not owed
Attempts to collect debt not owed
18 complaints
- Written notification about debt
Written notification about debt
13 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
8 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Communication tactics 4
Communication tactics
4 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
B
Grade B · 67.9/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about UNIVERSAL ACCEPTANCE CORPORATION (NE)?
UNIVERSAL ACCEPTANCE CORPORATION (NE) has accumulated 59 total CFPB complaints across 18 states, with 14 filed in the most recent 12 months against 45 historical complaints before that window. The trailing-12-month volume represents 23.7% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 18 states, led by California with 18 and Minnesota with 12, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 67.9/100 places UNIVERSAL ACCEPTANCE CORPORATION (NE) in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
14
23.7% of total history
Rising ↑
States active
18
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
67.9/100 composite
Response-quality profile
How UNIVERSAL ACCEPTANCE CORPORATION (NE) performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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 32.1%
Share of US states + territories with at least one filed complaint against this collector.
How does UNIVERSAL ACCEPTANCE CORPORATION (NE) compare to its peers?
UNIVERSAL ACCEPTANCE C… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2022-09 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action8 (%)
Written notification about debt13 (%)
Attempts to collect debt not owed18 (%)
False statements or representation4 (%)
Communication tactics4 (%)
Disclosure verification of debt2 (%)
Improper contact or sharing of info1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 8 |
| Written notification about debt | Didn't receive enough information to verify debt | 7 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Written notification about debt | Didn't receive notice of right to dispute | 6 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Attempts to collect debt not owed | Debt is not yours | 5 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Communication tactics | Frequent or repeated calls | 4 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
Where do complaints against UNIVERSAL ACCEPTANCE CORPORATION (NE) come from?
The states where consumers have filed the most CFPB complaints against UNIVERSAL ACCEPTANCE CORPORATION (NE). Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against UNIVERSAL ACCEPTANCE CORPORATION (NE)
Across 18 states with at least one filing
- California
California
18 complaints
- Minnesota
Minnesota
12 complaints
- Washington 7
Washington
7 complaints
- Texas 3
Texas
3 complaints
- Colorado 3
Colorado
3 complaints
- Arizona 2
Arizona
2 complaints
- Missouri 2
Missouri
2 complaints
- Georgia 2
Georgia
2 complaints
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 "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 59 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 14 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). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 18 states, with the most complaints from California (18 complaints).
What can I do if UNIVERSAL ACCEPTANCE CORPORATION (NE) is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If UNIVERSAL ACCEPTANCE CORPORATION (NE) violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |