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

CFPB complaint data Grade D 23 complaints

Universal Credit Services, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade D.

Complaints by issue type

What consumers report about Universal Credit Services, Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 23
  • GRADE D
  • 12MO 1
  • STATES 5
  • TIMELY 96%
  • DISPUTE 53%
  • ISSUE Communication tactics
  • RANK #1,791
  • COMPOSE Not ranked

Volume peers

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

Acceptance Solutions Group, INCAcceptance Solutions Group, …23American Credit FinancialAmerican Credit Financial23Americor Funding, LLCAmericor Funding, LLC23Associated Banc-CorpAssociated Banc-Corp23Universal Credit Services, Inc (this)Universal Credit Services, I…23
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 →

How the 23 complaints break down

Every complaint issue type on record for Universal Credit Services, Inc, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.1/100
Universal Credit Services, Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
23
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
96%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate C
53%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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)
Corpus ranks
#1,791 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Services, Inc National average
Complaints (last 12 mo)lower is better
1
0
268
Timely-response ratehigher is better
96%
87%
91%
Consumer-dispute ratelower is better
53%
25%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Universal Credit Services, Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 5 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100% 10%20%30%40%50%60% Timely response rate (%) Dispute rate (%) Universal Credit Services, Inc vs. 4 similar-volume peers, by response speed and dispute rate Universal Credit Services, IncUnited Acceptance Inc.Springer Collections Inc.Scherr & McClureRhojo Enterprises, LLC
Source: CFPB Consumer Complaint Database

Universal Credit Services, Inc's complaint volume in context

Universal Credit Services, Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

23 67th percentile higher than 67% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Universal Credit Services, Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Universal Credit Services, Inc

Across 5 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.