Universal Credit Services, Inc
24 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 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Universal Credit Services, Inc
Universal Credit Services, Inc's 24 logged complaints stay concentrated: only 5 states show a filing on record. Only 33.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than the 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.
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 Credit Services, Inc have?
24, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Universal Credit Services, Inc respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Universal Credit Services, Inc?
"Communication tactics", 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.