Data / Consumer complaints / Universal Account Servicing, LLC / Payday loan, title loan, personal loan, or advance loan
Universal Account Servicing, LLC: 41 CFPB complaints about payday loan, title loan, personal loan, or advance loan, last 3 years
Updated November 7, 2026. Source: CFPB Consumer Complaint Database.
Universal Account Servicing, LLC drew 41 consumer complaints about payday loan, title loan, personal loan, or advance loan in the CFPB database in the three years to November 6, 2026, 48.8% of its 84 complaints in that time. The most common issue was “Charged fees or interest you didn't expect”. The company responded on time to 75.6% of them, and 0.0% closed with monetary or other relief.
The request: Watch Universal Account Servicing, LLC: each new CFPB complaint about payday loan, title loan, personal loan, or advance loan by issue, with the date and the company response. $10 of work on sign-up, no card.
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- 41Complaints, last 3 years
- 48.8%Share of the company's complaints
- 75.6%Responded on time
- 0.0%Closed with relief
- Oct 21, 2026Latest received
By period
The three years are cut into 12 month periods ending on the date of the latest data.
| Period | Complaints | Share |
|---|---|---|
| 12 months to Nov 6, 2026 | 20 | 48.8% |
| 12 months to Nov 6, 2025 | 10 | 24.4% |
| 12 months to Nov 6, 2024 | 11 | 26.8% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 15 | 36.6% |
| Problem when making payments | 11 | 26.8% |
| Problem with additional add-on products or services | 8 | 19.5% |
| Getting the loan | 5 | 12.2% |
| Getting a line of credit | 1 | 2.4% |
| Struggling to pay your loan | 1 | 2.4% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 38 | 92.7% |
| In progress | 3 | 7.3% |
States
Where the consumers who complained live, as they gave it to the CFPB.
| State | Complaints | Share |
|---|---|---|
| California | 11 | 26.8% |
| Florida | 7 | 17.1% |
| New York | 5 | 12.2% |
| Texas | 3 | 7.3% |
| Colorado | 2 | 4.9% |
| Virginia | 2 | 4.9% |
| Illinois | 1 | 2.4% |
| Indiana | 1 | 2.4% |
| Massachusetts | 1 | 2.4% |
| Missouri | 1 | 2.4% |
| Mississippi | 1 | 2.4% |
| Nebraska | 1 | 2.4% |
| New Jersey | 1 | 2.4% |
| Ohio | 1 | 2.4% |
| South Carolina | 1 | 2.4% |
| South Dakota | 1 | 2.4% |
| Tennessee | 1 | 2.4% |
Latest 25 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 |
| 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 |
| 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 6, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | 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 |
| 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 |
| 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 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 |
Also on SpecStream
- All Universal Account Servicing, LLC complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- All consumer complaints
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.