CFPB · Single-product concentration
Universal Credit Services, Inc
24 CFPB complaints · 95.8% in "Debt collection" · top issue Communication tactics.
Universal Credit Services, Inc: 95.8% of 24 CFPB complaints sit in "Debt collection". Timely 100% · relief 12.5%. Allegations, not findings.
- Single-product concentration
- 0% filings 2013 to 2026
CFPB relief outcome brief
CCDB company universal-credit-services-inc
12.5% relief · 100% timely · 24 filings · Debt collection
Same-product relief peers
Nearest relief peer: Scott Fetzer Financial Group Inc. (12.5% relief)
Universal Credit Services, Inc closes 12.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 24 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Universal Credit Services, Inc complaint mix by product
- Debt collection 23 95.8% – 13% relief
- Credit reporting, 1 4.2% – 0% relief
How Universal Credit Services, Inc's 24 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 23 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for Universal Credit Services, Inc
Top states by attributed CFPB complaint volume for this company
- Leading state
- MI
- 75% of this company's filings
Universal Credit Services, Inc complaints by year
Annual filing volume from the CFPB public database
- 2026
- 1
- 0% vs 2013
Top States
| State | Complaints |
|---|---|
| MI | 18 |
| OH | 3 |
| IL | 1 |
| FL | 1 |
| CA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Communication tactics | 5 |
| Cont'd attempts collect debt not owed | 5 |
| Disclosure verification of debt | 5 |
| Written notification about debt | 4 |
| Attempts to collect debt not owed | 2 |
| False statements or representation | 1 |
| Improper use of your report | 1 |
| Threatened to contact someone or share information improperly | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2014 | 2 | 100% |
| 2015 | 10 | 100% |
| 2016 | 2 | 100% |
| 2018 | 1 | 100% |
| 2019 | 1 | 100% |
| 2020 | 2 | 100% |
| 2021 | 1 | 100% |
| 2022 | 1 | 100% |
| 2023 | 1 | 100% |
| 2024 | 1 | 100% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Universal Credit Services, Inc filings cluster in one product
Universal Credit Services, Inc's 24 logged complaints stay concentrated: only 5 states show a filing. Only 33.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-03.
Universal Credit Services, Inc answers 100% of complaints inside the CFPB's tracked window and closes 79.2% with a written explanation. 12.5% 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 "Communication tactics."
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 Credit Services, Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Universal Credit Services, 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: 24.
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 Credit Services, Inc (100% timely; 12.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration