What is the most common complaint against Universal Accounts LLC?

The most common issue consumers report about Universal Accounts LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 6 complaints filed with the CFPB.

Are complaints against Universal Accounts LLC increasing or decreasing?

Complaints against Universal Accounts LLC are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Universal Accounts LLC's reputation grade?

Universal Accounts LLC has a reputation grade of B (score: 66.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Universal Accounts LLC respond to consumer complaints?

Universal Accounts LLC has a 100% timely response rate to CFPB complaints.

In how many states does Universal Accounts LLC operate?

Universal Accounts LLC has received CFPB complaints from consumers in 2 states, with the most complaints from California (5 complaints).

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

Universal Accounts LLC - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

2
Written notification about debt

2
Took or threatened to take negative or legal action

1
Electronic communications

1

Data updated September 2026

CFPB complaint disposition

CCDB record universal-accounts-llc Universal Accounts LLC

Grade B · 6 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #3056 · compose #1693

VOL 6
GRADE B
12MO 2
STATES 2
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #3,056
COMPOSE #1,693

Volume peers

Nearest volume peer: 1 Stop Money Centers, LLC (6 complaints)

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

Universal Accounts LLC's 6 CFPB complaints sit next to 1 Stop Money Centers, 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 →

State-heavy filing map

83.3% of Universal Accounts LLC's CFPB filings land in California

High volume does not equal a clean composite: Universal Accounts LLC is volume #3,056 but composite #1,693, while California dominates the geography. Corpus placement method.

Dominant state: California 83.3%; 5 of 6 filings · 2 states touched
Spike month: 2018-09 33.3%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,056 volume; #1,693 composite; Cleanest-composite ladder is 1,363 places better than volume

How does Universal Accounts LLC compare to its peers?

How does UNIVERSAL ACCOUNTS LLC 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 ACCOUNTS LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

83%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-09 2023-12

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2
Written notification about debt	2
Took or threatened to take negative or legal action	1
Electronic communications	1

Where do complaints against Universal Accounts LLC come from?

Universal Accounts LLC's own per-state count, not a national baseline.

California

5
Delaware

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Universal Accounts LLC: 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: 6.

4 peers

Know your rights before responding to Universal Accounts LLC: 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.