CFPB Consumer Complaint Profile
Universal Credit Services, Inc
What 24 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
- 24
- Total complaints
- Mid-range
- 1
- Last 12 months
- 95.8%
- Timely response
- Below median
- 6
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Universal Credit Services, Inc has accumulated 24 complaints, placing it #2628 by volume. It posts a 95.8% on-time response rate, the 33rd percentile among companies with 100+ complaints.
- #2628
- of 3,843 companies by volume
- 95.8%
- on time (33rd pctile)
- Debt collection
- most-complained product
- 6
- 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 Credit Services, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.8% Around the middle higher than 33% 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
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 | 2 |
| 2015 | 10 |
| 2016 | 2 |
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 2 |
| 2021 | 1 |
| 2022 | 1 |
| 2023 | 1 |
| 2024 | 1 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Universal Credit Services, Inc
Universal Credit Services, Inc carries 24 complaints in the CFPB's database, 1 of them filed within the past 12 months. Consumers spanning 6 states and territories have weighed in, giving this a geographically concentrated footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Communication tactics" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Universal Credit Services, Inc's timely response rate stands at 95.8%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response carried a 53.3% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 12.5% 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 Credit Services, Inc have?
Universal Credit Services, Inc has 24 total consumer complaints filed with the CFPB, with 1 filed in the last 12 months.
Does Universal Credit Services, Inc respond to complaints on time?
Universal Credit Services, Inc's CFPB timely-response rate is 95.8%. This is considered excellent.
What product generates the most complaints for Universal Credit Services, Inc?
Among all products tied to Universal Credit Services, Inc, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Universal Credit Services, Inc?
The most common issue reported by consumers about Universal Credit Services, Inc is "Communication tactics." All complaint issues are listed above with their counts.
How do I file a complaint against Universal Credit Services, Inc?
You can file a complaint against Universal Credit Services, 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 Credit Services, Inc?
Universal Credit Services, Inc has drawn CFPB complaints from 6 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Universal Credit Services, 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 (53.3% 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 Credit Services, Inc have?
Universal Credit Services, Inc has 24 total consumer complaints filed with the CFPB, with 1 filed in the last 12 months.
Does Universal Credit Services, Inc respond to complaints on time?
Universal Credit Services, Inc's CFPB timely-response rate is 95.8%. This is considered excellent.
What product generates the most complaints for Universal Credit Services, Inc?
Among all products tied to Universal Credit Services, Inc, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Universal Credit Services, Inc?
The most common issue reported by consumers about Universal Credit Services, Inc is "Communication tactics." All complaint issues are listed above with their counts.
How do I file a complaint against Universal Credit Services, Inc?
You can file a complaint against Universal Credit Services, 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 Credit Services, Inc?
Universal Credit Services, Inc has drawn CFPB complaints from 6 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.