What is the most common complaint against Universal Finance, Inc.?

The most common issue consumers report about Universal Finance, Inc. is "Took or threatened to take negative or legal action", specifically "Talked to a third party about my debt". This is based on 2 complaints filed with the CFPB.

Are complaints against Universal Finance, Inc. increasing or decreasing?

Complaints against Universal Finance, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Universal Finance, Inc.'s reputation grade?

Universal Finance, Inc. has a reputation grade of A (score: 87.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Universal Finance, Inc. respond to consumer complaints?

Universal Finance, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Universal Finance, Inc. operate?

Universal Finance, Inc. has received CFPB complaints from consumers in 1 states, with the most complaints from California (2 complaints).

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

Universal Finance, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade A.

Compiled by PlainCollector

Took or threatened to take negative or legal action

1
Improper contact or sharing of info

1

Data updated September 2026

CFPB complaint disposition

CCDB record universal-finance-inc Universal Finance, Inc.

Grade A · 2 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #4387 · compose #159

VOL 2
GRADE A
12MO 0
STATES 1
TIMELY 100%
DISPUTE 0%
ISSUE Took or threatened to take…
RANK #4,387
COMPOSE #159

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

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

Universal Finance, Inc.'s 2 CFPB complaints sit next to 1 Auto Finance, 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

100.0% of Universal Finance, Inc.'s CFPB filings land in California

High volume does not equal a clean composite: Universal Finance, Inc. is volume #4,387 but composite #159, while California dominates the geography. Corpus placement method.

Dominant state: California 100.0%; 2 of 2 filings · 1 states touched
Spike month: 2016-02 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #4,387 volume; #159 composite; Cleanest-composite ladder is 4,228 places better than volume

How does Universal Finance, Inc. compare to its peers?

How does Universal Finance, 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 Finance, Inc… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-02 2016-02

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	1
Improper contact or sharing of info	1

Where do complaints against Universal Finance, Inc. come from?

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

California

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Universal Finance, 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: 2.

4 peers

Know your rights before responding to Universal Finance, 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.