CFPB Consumer Complaint Profile
Universal Acceptance Corporation (Ne)
What 335 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 335
- Total complaints
- Above average
- 67
- Last 12 months
- 100%
- Timely response
- Top decile
- 30
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Universal Acceptance Corporation (Ne) sits at #646, with 335 complaints logged. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #646
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Vehicle loan or lease
- most-complained product
- 30
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Universal Acceptance Corporation (Ne) vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 33 in 2024 to 63 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 8 |
| 2015 | 16 |
| 2016 | 32 |
| 2017 | 27 |
| 2018 | 29 |
| 2019 | 21 |
| 2020 | 20 |
| 2021 | 23 |
| 2022 | 21 |
| 2023 | 24 |
| 2024 | 33 |
| 2025 | 63 |
| 2026year in progress | 18 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Universal Acceptance Corporation (Ne)
Universal Acceptance Corporation (Ne) carries 335 complaints in the CFPB's database, 67 of them filed within the past 12 months. Consumers spanning 30 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Vehicle loan or lease," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
Universal Acceptance Corporation (Ne)'s timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. The company's response carried a 10.8% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 27.2% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Universal Acceptance Corporation (Ne) have?
The CFPB has logged 335 complaints against Universal Acceptance Corporation (Ne) to date, of which 67 came in over the last 12 months.
Does Universal Acceptance Corporation (Ne) respond to complaints on time?
CFPB complaints against Universal Acceptance Corporation (Ne) draw a 100% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Universal Acceptance Corporation (Ne)?
The most complained-about product for Universal Acceptance Corporation (Ne) is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with Universal Acceptance Corporation (Ne)?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Universal Acceptance Corporation (Ne) - see all issues and counts above.
How do I file a complaint against Universal Acceptance Corporation (Ne)?
You can file a complaint against Universal Acceptance Corporation (Ne) directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Universal Acceptance Corporation (Ne)?
Consumers in 30 states and territories have filed complaints about Universal Acceptance Corporation (Ne) with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Universal Acceptance Corporation (Ne): nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (10.8% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Universal Acceptance Corporation (Ne) have?
The CFPB has logged 335 complaints against Universal Acceptance Corporation (Ne) to date, of which 67 came in over the last 12 months.
Does Universal Acceptance Corporation (Ne) respond to complaints on time?
CFPB complaints against Universal Acceptance Corporation (Ne) draw a 100% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Universal Acceptance Corporation (Ne)?
The most complained-about product for Universal Acceptance Corporation (Ne) is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with Universal Acceptance Corporation (Ne)?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Universal Acceptance Corporation (Ne) - see all issues and counts above.
How do I file a complaint against Universal Acceptance Corporation (Ne)?
You can file a complaint against Universal Acceptance Corporation (Ne) directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Universal Acceptance Corporation (Ne)?
Consumers in 30 states and territories have filed complaints about Universal Acceptance Corporation (Ne) with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.