CFPB · Single-product concentration
Universal Collection Systems, Inc
56 CFPB complaints · 92.9% in "Debt collection" · top issue Attempts to collect debt not owed.
Universal Collection Systems, Inc: 92.9% of 56 CFPB complaints sit in "Debt collection". Timely 94.6% · relief 0%. Allegations, not findings.
- Single-product concentration
- +75% filings 2014 to 2026
CFPB relief outcome brief
CCDB company universal-collection-systems-inc
0% relief · 94.6% timely · 56 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Universal Collection Systems, Inc closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Universal Collection Systems, Inc's 56 filings include narrative text
44.6% 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 Collection Systems, Inc complaint mix by product
- Debt collection 52 92.9% – 0% relief
- Credit reporting, 2 3.6% – 0% relief
- Debt or 1 1.8% – 0% relief
- Payday loan, 1 1.8% – 0% relief
How Universal Collection Systems, Inc's 56 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 52 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Debt or credit management | 1 |
| Payday loan, title loan, or personal loan | 1 |
Concentrated filing states for Universal Collection Systems, Inc
Top states by attributed CFPB complaint volume for this company
- Leading state
- TN
- 50% of this company's filings
Universal Collection Systems, Inc rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 7
- +75% vs 2014
Top States
| State | Complaints |
|---|---|
| TN | 28 |
| GA | 9 |
| MS | 3 |
| AR | 2 |
| TX | 2 |
| DE | 1 |
| WI | 1 |
| AL | 1 |
| SC | 1 |
| MO | 1 |
| FL | 1 |
| OH | 1 |
| AZ | 1 |
| MD | 1 |
| NV | 1 |
| LA | 1 |
| CA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 20 |
| False statements or representation | 9 |
| Took or threatened to take negative or legal action | 7 |
| Written notification about debt | 7 |
| Cont'd attempts collect debt not owed | 5 |
| Threatened to contact someone or share information improperly | 3 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Problem with customer service | 1 |
| Communication tactics | 1 |
| Problem with the payoff process at the end of the loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 4 | 25% |
| 2016 | 1 | 100% |
| 2017 | 2 | 100% |
| 2018 | 2 | 100% |
| 2019 | 10 | 100% |
| 2020 | 1 | 100% |
| 2021 | 9 | 100% |
| 2022 | 6 | 100% |
| 2023 | 2 | 100% |
| 2024 | 4 | 100% |
| 2025 | 8 | 100% |
| 2026 | 7 | 100% |
Source: CFPB Consumer Complaint Database
Universal Collection Systems, Inc filings cluster in one product
Universal Collection Systems, Inc's 56 logged complaints stay concentrated: only 17 states show a filing. 44.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-06-03.
Universal Collection Systems, Inc answers 94.6% 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 Collection Systems, Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Universal Collection Systems, Inc: 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: 56.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 94.6%.
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 Collection Systems, Inc (94.6% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration