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Data / Consumer complaints / Universal Account Servicing, LLC

Universal Account Servicing, LLC: 84 CFPB consumer complaints in the last 3 years

Universal Account Servicing, LLC drew 84 consumer complaints in the CFPB database in the three years to November 6, 2026, and 166 since 2013. The largest group, 41, was about payday loan, title loan, personal loan, or advance loan, and the most common issue was “Charged fees or interest you didn't expect” with 15. The company responded on time to 66.7% of the complaints, and 0.0% closed with monetary or other relief.

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  • 84Complaints, last 3 years
  • 166Complaints, all years
  • 66.7%Responded on time
  • 0.0%Closed with relief
  • 7Products
  • Oct 21, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 634
202529
202416
202327
20225
20212
202012
20198
20187
20177
20164
201510
20144
20131

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Issues

IssueComplaintsShare
Charged fees or interest you didn't expect1517.9%
Problem when making payments1113.1%
Attempts to collect debt not owed1011.9%
False statements or representation89.5%
Problem with additional add-on products or services89.5%
Communication tactics56%
Getting the loan56%
Dealing with your lender or servicer33.6%
Written notification about debt33.6%
Fees or interest22.4%
Improper use of your report22.4%
Struggling to repay your loan22.4%
Closing your account11.2%
Didn't provide services promised11.2%
Getting a line of credit11.2%
Getting a loan11.2%
Issue where my lender is my school11.2%
Managing an account11.2%
Other features, terms, or problems11.2%
Problem with a purchase shown on your statement11.2%
Struggling to pay your loan11.2%
Took or threatened to take negative or legal action11.2%

How the company responded

Company responseComplaintsShare
Closed with explanation8095.2%
In progress44.8%

States

StateComplaintsShare
California2226.2%
Florida1416.7%
Texas78.3%
New York67.1%
Georgia56%
Nevada33.6%
Colorado22.4%
Illinois22.4%
Louisiana22.4%
Ohio22.4%
Tennessee22.4%
Virginia22.4%
Arizona11.2%
Hawaii11.2%
Iowa11.2%
Indiana11.2%
Massachusetts11.2%
Michigan11.2%
Missouri11.2%
Mississippi11.2%
Nebraska11.2%
New Jersey11.2%
Oregon11.2%
Pennsylvania11.2%
South Carolina11.2%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 21, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
September 11, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
September 11, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectIn progressconsumerfinance.gov
September 2, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
August 26, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
August 19, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
August 14, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
August 8, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
July 20, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
June 26, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
June 25, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
June 16, 2026Debt collectionTook or threatened to take negative or legal actionIn progressconsumerfinance.gov
June 9, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 26, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
May 8, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
May 1, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 30, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
April 22, 2026Student loanDealing with your lender or servicerClosed with explanationconsumerfinance.gov
April 22, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
April 12, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
April 2, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
March 15, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
March 12, 2026Student loanStruggling to repay your loanClosed with explanationconsumerfinance.gov
March 6, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 6, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
February 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 16, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
February 11, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 10, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
February 4, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
January 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 16, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
January 3, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
December 26, 2025Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
December 23, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
December 18, 2025Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
December 18, 2025Student loanStruggling to repay your loanClosed with explanationconsumerfinance.gov
November 11, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 3, 2025Credit cardFees or interestClosed with explanationconsumerfinance.gov
September 29, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 11, 2025Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
September 4, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 3, 2025Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
August 8, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 6, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 5, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 17, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
July 16, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
June 30, 2025Credit cardFees or interestClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.