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.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 34 |
| 2025 | 29 |
| 2024 | 16 |
| 2023 | 27 |
| 2022 | 5 |
| 2021 | 2 |
| 2020 | 12 |
| 2019 | 8 |
| 2018 | 7 |
| 2017 | 7 |
| 2016 | 4 |
| 2015 | 10 |
| 2014 | 4 |
| 2013 | 1 |
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.
| Product | Complaints | Share |
|---|---|---|
| Payday loan, title loan, personal loan, or advance loan | 41 | 48.8% |
| Debt collection | 27 | 32.1% |
| Student loan | 7 | 8.3% |
| Credit card | 5 | 6% |
| Credit reporting or other personal consumer reports | 2 | 2.4% |
| Checking or savings account | 1 | 1.2% |
| Debt or credit management | 1 | 1.2% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 15 | 17.9% |
| Problem when making payments | 11 | 13.1% |
| Attempts to collect debt not owed | 10 | 11.9% |
| False statements or representation | 8 | 9.5% |
| Problem with additional add-on products or services | 8 | 9.5% |
| Communication tactics | 5 | 6% |
| Getting the loan | 5 | 6% |
| Dealing with your lender or servicer | 3 | 3.6% |
| Written notification about debt | 3 | 3.6% |
| Fees or interest | 2 | 2.4% |
| Improper use of your report | 2 | 2.4% |
| Struggling to repay your loan | 2 | 2.4% |
| Closing your account | 1 | 1.2% |
| Didn't provide services promised | 1 | 1.2% |
| Getting a line of credit | 1 | 1.2% |
| Getting a loan | 1 | 1.2% |
| Issue where my lender is my school | 1 | 1.2% |
| Managing an account | 1 | 1.2% |
| Other features, terms, or problems | 1 | 1.2% |
| Problem with a purchase shown on your statement | 1 | 1.2% |
| Struggling to pay your loan | 1 | 1.2% |
| Took or threatened to take negative or legal action | 1 | 1.2% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 80 | 95.2% |
| In progress | 4 | 4.8% |
States
| State | Complaints | Share |
|---|---|---|
| California | 22 | 26.2% |
| Florida | 14 | 16.7% |
| Texas | 7 | 8.3% |
| New York | 6 | 7.1% |
| Georgia | 5 | 6% |
| Nevada | 3 | 3.6% |
| Colorado | 2 | 2.4% |
| Illinois | 2 | 2.4% |
| Louisiana | 2 | 2.4% |
| Ohio | 2 | 2.4% |
| Tennessee | 2 | 2.4% |
| Virginia | 2 | 2.4% |
| Arizona | 1 | 1.2% |
| Hawaii | 1 | 1.2% |
| Iowa | 1 | 1.2% |
| Indiana | 1 | 1.2% |
| Massachusetts | 1 | 1.2% |
| Michigan | 1 | 1.2% |
| Missouri | 1 | 1.2% |
| Mississippi | 1 | 1.2% |
| Nebraska | 1 | 1.2% |
| New Jersey | 1 | 1.2% |
| Oregon | 1 | 1.2% |
| Pennsylvania | 1 | 1.2% |
| South Carolina | 1 | 1.2% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | In progress | consumerfinance.gov |
| September 11, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | In progress | consumerfinance.gov |
| September 11, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | In progress | consumerfinance.gov |
| September 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| August 26, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| August 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| August 14, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| August 8, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| July 20, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| June 26, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| June 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| June 16, 2026 | Debt collection | Took or threatened to take negative or legal action | In progress | consumerfinance.gov |
| June 9, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| May 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| May 26, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| May 8, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| May 1, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| April 30, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| April 22, 2026 | Student loan | Dealing with your lender or servicer | Closed with explanation | consumerfinance.gov |
| April 22, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| April 12, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| April 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| March 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| March 12, 2026 | Student loan | Struggling to repay your loan | Closed with explanation | consumerfinance.gov |
| March 6, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| March 6, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| February 22, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| February 16, 2026 | Credit card | Other features, terms, or problems | Closed with explanation | consumerfinance.gov |
| February 11, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| February 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| February 4, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| January 20, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| January 16, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| January 3, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| December 26, 2025 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| December 23, 2025 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| December 18, 2025 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | consumerfinance.gov |
| December 18, 2025 | Student loan | Struggling to repay your loan | Closed with explanation | consumerfinance.gov |
| November 11, 2025 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| October 3, 2025 | Credit card | Fees or interest | Closed with explanation | consumerfinance.gov |
| September 29, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 11, 2025 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| September 4, 2025 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| September 3, 2025 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| August 8, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 6, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 5, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| July 17, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| July 16, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| June 30, 2025 | Credit card | Fees or interest | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
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- Every company with Student loan complaints
- Every company with Credit card complaints
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- Consumer complaints in Florida
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- All consumer complaints
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.