Total CFPB complaints
23
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 23 complaints
Universal Credit Services, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Universal Credit Services, Inc
- Written notification about debt
Written notification about debt
5 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
5 complaints
- Disclosure verification of debt
Disclosure verification of debt
5 complaints
- Communication tactics
Communication tactics
5 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
D
Grade D · 58.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Universal Credit Services, Inc?
Universal Credit Services, Inc has accumulated 23 total CFPB complaints across 6 states, with 1 filed in the most recent 12 months against 22 historical complaints before that window. The trailing-12-month volume represents 4.3% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate against a 53% 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 6 states, led by Michigan with 17 and Ohio with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.1/100 places Universal Credit Services, Inc 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
1
4.3% of total history
Stable →
States active
6
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
53%
After company response
Reputation grade
D
58.1/100 composite
Response-quality profile
How Universal Credit Services, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Universal Credit Services, Inc compare to its peers?
Universal Credit Servi… 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)
2013-12 2025-09
Top Consumer Issues
Written notification about debt5 (%)
Cont'd attempts collect debt not owed5 (%)
Disclosure verification of debt5 (%)
Communication tactics5 (%)
False statements or representation1 (%)
Attempts to collect debt not owed1 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Cont'd attempts collect debt not owed | Debt was paid | 4 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Communication tactics | Threatened to take legal action | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Communication tactics | Called after sent written cease of comm | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
Where do complaints against Universal Credit Services, Inc come from?
The states where consumers have filed the most CFPB complaints against Universal Credit Services, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Universal Credit Services, Inc
Across 6 states with at least one filing
- Michigan
Michigan
17 complaints
- Ohio 2
Ohio
2 complaints
- Illinois 1
Illinois
1 complaints
- California 1
California
1 complaints
- Tennessee 1
Tennessee
1 complaints
- Florida 1
Florida
1 complaints
Frequently Asked Questions
What is the most common complaint against Universal Credit Services, Inc? ▼
The most common issue consumers report about Universal Credit Services, Inc is "Written notification about debt", 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 have been stable. The company received 1 complaints in the last 12 months.
What is Universal Credit Services, Inc's reputation grade? ▼
Universal Credit Services, Inc has a reputation grade of D (score: 58.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 6 states, with the most complaints from Michigan (17 complaints).
What can I do if Universal Credit Services, Inc 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 Credit Services, Inc 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 |