What is the most common complaint against Universal Credit Services, Inc?

The most common issue consumers report about Universal Credit Services, Inc is "Communication tactics", specifically "Didn't receive enough information to verify debt". This is based on 23 complaints filed with the CFPB.

Are complaints against Universal Credit Services, Inc increasing or decreasing?

Complaints against Universal Credit Services, Inc are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Universal Credit Services, Inc's reputation grade?

Universal Credit Services, Inc has a reputation grade of D (score: 54.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Universal Credit Services, Inc respond to consumer complaints?

Universal Credit Services, Inc has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 53% of cases.

In how many states does Universal Credit Services, Inc operate?

Universal Credit Services, Inc has received CFPB complaints from consumers in 5 states, with the most complaints from Michigan (17 complaints).

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

Universal Credit Services, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade D.

Compiled by PlainCollector

Communication tactics

5
Cont'd attempts collect debt not owed

5
Disclosure verification of debt

5
Written notification about debt

4
Attempts to collect debt not owed

2
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record universal-credit-services-inc Universal Credit Services, Inc

Grade D · 23 CFPB filings · 96% timely · lead issue: Communication tactics · vol #1791 · compose #3535

VOL 23
GRADE D
12MO 1
STATES 5
TIMELY 96%
DISPUTE 53%
ISSUE Communication tactics
RANK #1,791
COMPOSE #3,535

Volume peers

Nearest volume peer: Acceptance Solutions Group, INC (23 complaints)

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

Universal Credit Services, Inc's 23 CFPB complaints sit next to Acceptance Solutions Group, INC 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

73.9% of Universal Credit Services, Inc's CFPB filings land in Michigan

High volume does not equal a clean composite: Universal Credit Services, Inc is volume #1,791 but composite #3,535, while Michigan dominates the geography. Corpus placement method.

Dominant state: Michigan 73.9%; 17 of 23 filings · 5 states touched
Even monthly load: Peak under 8%; Highest month 2021-02 at 6.9% (2 filings)
Divergent corpus ranks: #1,791 volume; #3,535 composite; Cleanest-composite ladder is 1,744 places worse than volume

How does Universal Credit Services, Inc compare to its peers?

How does Universal Credit Services, Inc 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 Credit Servi… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

96%

87%

91%

Consumer-dispute ratelower is better

53%

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-07 2026-02

Issue Detail Breakdown

Issue	Complaints
Communication tactics	5
Cont'd attempts collect debt not owed	5
Disclosure verification of debt	5
Written notification about debt	4
Attempts to collect debt not owed	2
False statements or representation	1
Threatened to contact someone or share information improperly	1

Where do complaints against Universal Credit Services, Inc come from?

Universal Credit Services, Inc's own per-state count, not a national baseline.

Michigan

17
Ohio

3
California

1
Florida

1
Illinois

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Universal Credit Services, Inc: 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: 23.

4 peers

Know your rights before responding to Universal Credit Services, Inc: 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.