CFPB Consumer Complaint Profile
Universal Collection Systems, Inc
Consumers have filed 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
- 54
- Total complaints
- Mid-range
- 10
- Last 12 months
- 94.4%
- Timely response
- Below median
- 17
- States affected
The verdict
Universal Collection Systems, Inc ranks #1757 of 3,843 financial companies by CFPB complaint volume. On response speed it sits at the 27th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- TN
- state with the most 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 Collection Systems, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
94.4% Around the middle higher than 27% 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
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 4 |
| 2016 | 1 |
| 2017 | 2 |
| 2018 | 2 |
| 2019 | 10 |
| 2020 | 1 |
| 2021 | 9 |
| 2022 | 6 |
| 2023 | 2 |
| 2024 | 4 |
| 2025 | 8 |
| 2026year in progress | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Universal Collection Systems, Inc
The CFPB Consumer Complaint Database shows a multi-regional complaint footprint for Universal Collection Systems, Inc, with consumers across the country filing against it. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Universal Collection Systems, Inc: 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 (0% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Universal Collection Systems, Inc have?
54 complaints have been filed against Universal Collection Systems, Inc with the CFPB overall - 10 of them in the past year.
Does Universal Collection Systems, Inc respond to complaints on time?
CFPB complaints against Universal Collection Systems, Inc draw a 94.4% timely-response rate inside the expected window.
What product generates the most complaints for Universal Collection Systems, Inc?
"Debt collection" draws more CFPB complaints against Universal Collection Systems, Inc than any other product - see the full breakdown above.
What is the most common complaint issue with Universal Collection Systems, Inc?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Universal Collection Systems, Inc; the full issue list with counts is above.
How do I file a complaint against Universal Collection Systems, Inc?
You can file a complaint against Universal Collection Systems, Inc 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 Collection Systems, Inc?
Universal Collection Systems, Inc has drawn CFPB complaints from 17 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.