Universal Account Servicing, LLC
153 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Universal Account Servicing, LLC complaint mix by product
- Debt collection 49 34.3% – 6% relief
- Payday loan, 35 24.5% – 0% relief
- Payday loan, 28 19.6% – 18% relief
- Student loan 14 9.8% – 0% relief
- Consumer Loan 8 5.6% – 13% relief
- Credit card 5 3.5% – 0% relief
- Credit card 4 2.8% – 0% relief
How Universal Account Servicing, LLC's 153 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 49 |
| Payday loan, title loan, personal loan, or advance loan | 35 |
| Payday loan, title loan, or personal loan | 28 |
| Student loan | 14 |
| Consumer Loan | 8 |
| Credit card | 5 |
| Credit card or prepaid card | 4 |
| Credit reporting or other personal consumer reports | 3 |
| Checking or savings account | 3 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Debt or credit management | 1 |
| Other financial service | 1 |
Top States
| State | Complaints |
|---|---|
| CA | 39 |
| FL | 16 |
| TX | 12 |
| NY | 9 |
| IL | 8 |
| GA | 8 |
| CO | 6 |
| MD | 5 |
| MA | 4 |
| PA | 4 |
| MI | 3 |
| NV | 3 |
| VA | 3 |
| AZ | 3 |
| LA | 2 |
| KS | 2 |
| TN | 2 |
| WA | 2 |
| OR | 2 |
| OH | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 22 |
| Problem when making payments | 18 |
| Attempts to collect debt not owed | 17 |
| False statements or representation | 10 |
| Dealing with your lender or servicer | 8 |
| Communication tactics | 8 |
| Problem with additional add-on products or services | 7 |
| Struggling to pay your loan | 6 |
| Getting the loan | 5 |
| Problem with the payoff process at the end of the loan | 4 |
| Written notification about debt | 4 |
| Cont'd attempts collect debt not owed | 4 |
| Managing the loan or lease | 4 |
| Improper use of your report | 3 |
| Fees or interest | 3 |
| Problems when you are unable to pay | 3 |
| Took or threatened to take negative or legal action | 3 |
| Incorrect information on your report | 2 |
| Problem with a lender or other company charging your account | 2 |
| Struggling to repay your loan | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2014 | 4 | 100% |
| 2015 | 10 | 90% |
| 2016 | 4 | 75% |
| 2017 | 7 | 100% |
| 2018 | 7 | 57.1% |
| 2019 | 8 | 100% |
| 2020 | 12 | 91.7% |
| 2021 | 2 | 100% |
| 2022 | 5 | 100% |
| 2023 | 27 | 81.5% |
| 2024 | 16 | 87.5% |
| 2025 | 29 | 65.5% |
| 2026 | 21 | 57.1% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Universal Account Servicing, LLC
Universal Account Servicing, LLC's 153 logged complaints stay concentrated: only 32 states show a filing on record. 52.9% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2013 through 2026-05-27.
Universal Account Servicing, LLC answers 79.1% of complaints inside the CFPB's tracked window and closes 90.2% with a written explanation. 5.9% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Charged fees or interest you didn't expect."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Universal Account Servicing, LLC.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Universal Account Servicing, LLC have?
153, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Universal Account Servicing, LLC respond to complaints on time?
79.1% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Universal Account Servicing, LLC?
"Charged fees or interest you didn't expect", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.