Total CFPB complaints
42
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 42 complaints
Universal Account Servicing, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 17 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Universal Account Servicing, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
13 complaints
- False statements or representation
False statements or representation
8 complaints
- Communication tactics
Communication tactics
6 complaints
- Cont'd attempts collect debt not owed 4
Cont'd attempts collect debt not owed
4 complaints
- Took or threatened to take negative or legal action 3
Took or threatened to take negative or legal action
3 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
D
Grade D · 52.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Universal Account Servicing, LLC?
Universal Account Servicing, LLC has accumulated 42 total CFPB complaints across 17 states, with 7 filed in the most recent 12 months against 35 historical complaints before that window. The trailing-12-month volume represents 16.7% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 74% timely-response rate against a 30% 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 17 states, led by California with 8 and Texas with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.9/100 places Universal Account Servicing, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
7
16.7% of total history
Falling ↓
States active
17
Distinct state filings
Timely response rate
74%
Within CFPB SLA window
Consumer disputes
30%
After company response
Reputation grade
D
52.9/100 composite
Response-quality profile
How Universal Account Servicing, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 73.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 60.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 30.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Universal Account Servicing, LLC compare to its peers?
Universal Account Serv… 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)
2020-04 2026-02
Top Consumer Issues
False statements or representation8 (%)
Attempts to collect debt not owed13 (%)
Communication tactics6 (%)
Cont'd attempts collect debt not owed4 (%)
Took or threatened to take negative or legal action3 (%)
Written notification about debt2 (%)
Disclosure verification of debt2 (%)
Threatened to contact someone or share information improperly1 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 8 |
| Attempts to collect debt not owed | Debt is not yours | 7 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Communication tactics | Frequent or repeated calls | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against Universal Account Servicing, LLC come from?
The states where consumers have filed the most CFPB complaints against Universal Account Servicing, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Universal Account Servicing, LLC
Across 17 states with at least one filing
- California
California
8 complaints
- Texas
Texas
7 complaints
- Florida
Florida
5 complaints
- Maryland 3
Maryland
3 complaints
- Georgia 3
Georgia
3 complaints
- Louisiana 2
Louisiana
2 complaints
- New York 2
New York
2 complaints
- Utah 1
Utah
1 complaints
Frequently Asked Questions
What is the most common complaint against Universal Account Servicing, LLC? ▼
The most common issue consumers report about Universal Account Servicing, LLC is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 42 complaints filed with the CFPB.
Are complaints against Universal Account Servicing, LLC increasing or decreasing? ▼
Complaints against Universal Account Servicing, LLC are falling. The company received 7 complaints in the last 12 months, showing improvement over prior periods.
What is Universal Account Servicing, LLC's reputation grade? ▼
Universal Account Servicing, LLC has a reputation grade of D (score: 52.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Universal Account Servicing, LLC respond to consumer complaints? ▼
Universal Account Servicing, LLC has a 74% timely response rate to CFPB complaints. Consumers disputed the company's response in 30% of cases.
In how many states does Universal Account Servicing, LLC operate? ▼
Universal Account Servicing, LLC has received CFPB complaints from consumers in 17 states, with the most complaints from California (8 complaints).
What can I do if Universal Account Servicing, LLC 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 Account Servicing, LLC 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 |