CFPB · Narrative-heavy record
Universal Accounts LLC
9 CFPB complaints · 66.7% with narratives · top issue Attempts to collect debt not owed.
Universal Accounts LLC: 66.7% of 9 filings include consumer narratives. Timely 100% · relief 0% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- 0% filings 2024 to 2026
CFPB relief outcome brief
CCDB company universal-accounts-llc
0% relief · 100% timely · 9 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Universal Accounts LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Universal Accounts LLC complaint mix by product
- Debt collection 6 66.7% – 0% relief
- Payday loan, 2 22.2% – 0% relief
- Student loan 1 11.1% – 0% relief
How Universal Accounts LLC's 9 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 6 |
| Payday loan, title loan, personal loan, or advance loan | 2 |
| Student loan | 1 |
Concentrated filing states for Universal Accounts LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 77.8% of this company's filings
Universal Accounts LLC complaints by year
Annual filing volume from the CFPB public database
- 2026
- 3
- 0% vs 2024
Top States
| State | Complaints |
|---|---|
| CA | 7 |
| DE | 1 |
| FL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 2 |
| Written notification about debt | 2 |
| Took or threatened to take negative or legal action | 1 |
| Charged fees or interest you didn't expect | 1 |
| Electronic communications | 1 |
| Getting the loan | 1 |
| Issue where my lender is my school | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 3 | 100% |
| 2025 | 3 | 100% |
| 2026 | 3 | 100% |
Source: CFPB Consumer Complaint Database
Universal Accounts LLC's narrative-rich complaint ledger
Universal Accounts LLC's 9 logged complaints stay concentrated: only 3 states show a filing. 66.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2024 through 2026-05-18.
Universal Accounts LLC answers 100% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% 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 "Attempts to collect debt not owed."
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 Accounts LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Universal Accounts 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: 9.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Accounts LLC (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record