CFPB Consumer Complaint Profile
Universal Account Servicing, LLC
Consumers have filed 137 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 137
- Total complaints
- Mid-range
- 27
- Last 12 months
- 81%
- Timely response
- Bottom decile
- 31
- States affected
The verdict
137 CFPB complaints put Universal Account Servicing, LLC at #1149 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 81%, the 10th percentile among companies with 100+ complaints.
- #1149
- of 3,843 companies by volume
- 81%
- on time (10th pctile)
- Payday loan, title l…
- most-complained product
- 31
- 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 Account Servicing, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
81% Among the lowest higher than 10% 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 16 in 2024 to 28 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 |
|---|---|
| 2013 | 1 |
| 2014 | 4 |
| 2015 | 10 |
| 2016 | 4 |
| 2017 | 7 |
| 2018 | 7 |
| 2019 | 8 |
| 2020 | 12 |
| 2021 | 2 |
| 2022 | 5 |
| 2023 | 27 |
| 2024 | 16 |
| 2025 | 28 |
| 2026year in progress | 6 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Universal Account Servicing, LLC
137 complaints against Universal Account Servicing, LLC appear in the CFPB record, including 27 from the trailing year. The 31 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Payday loan, title loan, personal loan, or advance loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Charged fees or interest you didn't expect," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Universal Account Servicing, LLC posts a 81% reply rate on forwarded complaints. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Resolved cases drew a formal consumer-dispute rate of 42.9% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 6.6% closed with some form of monetary or non-monetary relief to the consumer.
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 Account Servicing, LLC have?
The CFPB has logged 137 complaints against Universal Account Servicing, LLC to date, of which 27 came in over the last 12 months.
Does Universal Account Servicing, LLC respond to complaints on time?
CFPB complaints against Universal Account Servicing, LLC draw a 81% timely-response rate inside the expected window.
What product generates the most complaints for Universal Account Servicing, LLC?
Among all products tied to Universal Account Servicing, LLC, "Payday loan, title loan, personal loan, or advance loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Universal Account Servicing, LLC?
"Charged fees or interest you didn't expect" is the single most frequently cited issue in complaints against Universal Account Servicing, LLC - see all issues and counts above.
How do I file a complaint against Universal Account Servicing, LLC?
You can file a complaint against Universal Account Servicing, LLC 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 Account Servicing, LLC?
The CFPB has recorded complaints against Universal Account Servicing, LLC from 31 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Universal Account Servicing, LLC: 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 (42.9% here).
Also handles Payday loan, title loan, personal loan, or advance loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Universal Account Servicing, LLC have?
The CFPB has logged 137 complaints against Universal Account Servicing, LLC to date, of which 27 came in over the last 12 months.
Does Universal Account Servicing, LLC respond to complaints on time?
CFPB complaints against Universal Account Servicing, LLC draw a 81% timely-response rate inside the expected window.
What product generates the most complaints for Universal Account Servicing, LLC?
Among all products tied to Universal Account Servicing, LLC, "Payday loan, title loan, personal loan, or advance loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Universal Account Servicing, LLC?
"Charged fees or interest you didn't expect" is the single most frequently cited issue in complaints against Universal Account Servicing, LLC - see all issues and counts above.
How do I file a complaint against Universal Account Servicing, LLC?
You can file a complaint against Universal Account Servicing, LLC 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 Account Servicing, LLC?
The CFPB has recorded complaints against Universal Account Servicing, LLC from 31 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.