CFPB · Diversified product mix
Universal Account Servicing, LLC
153 CFPB complaints · diversified mix (top product 32%) · top issue Charged fees or interest you didn't expect.
Universal Account Servicing, LLC: top product "Debt collection" is only 32% of 153 - multi-bucket mix. Timely 79.1% · relief 5.9%. Allegations, not findings.
- Diversified product mix
- +2000% filings 2013 to 2026
CFPB relief outcome brief
CCDB company universal-account-servicing-llc
5.9% relief · 79.1% timely · 153 filings · Debt collection
Same-product relief peers
Nearest relief peer: United Acceptance Inc. (5.9% relief)
Universal Account Servicing, LLC closes 5.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Universal Account Servicing, LLC's 153 filings include narrative text
52.9% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
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 |
Where Universal Account Servicing, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 25.5% of this company's filings
Universal Account Servicing, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 21
- +2000% vs 2013
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
Universal Account Servicing, LLC spreads across product buckets
Universal Account Servicing, LLC's 153 logged complaints stay concentrated: only 32 states show a filing. 52.9% of filings carry a written consumer narrative, 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Universal Account Servicing, LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 153.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 79.1%.
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.
Data sourced from official public datasets for Universal Account Servicing, LLC (79.1% timely; 5.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix