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Data / Consumer complaints / Universal Collection Systems, Inc

Universal Collection Systems, Inc: 26 CFPB complaints

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Updated November 10, 2026. Source: CFPB Consumer Complaint Database.

Universal Collection Systems, Inc drew 26 consumer complaints in the CFPB database in the three years to November 9, 2026, and 61 since 2014. The largest group, 21, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 9. The company responded on time to 100.0% of the complaints, and 0.0% closed with monetary or other relief. The CFPB records the company as UNIVERSAL COLLECTION SYSTEMS, INC.

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SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 26Complaints, last 3 years
  • 61Complaints, all years
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • 3Products
  • Oct 9, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 912
20258
20244
20232
20226
20219
20201
201910
20182
20172
20161
20144

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.

ProductComplaintsShare
Debt collection2180.8%
Credit reporting or other personal consumer reports415.4%
Debt or credit management13.8%

Issues

IssueComplaintsShare
Attempts to collect debt not owed934.6%
False statements or representation415.4%
Took or threatened to take negative or legal action415.4%
Improper use of your report311.5%
Threatened to contact someone or share information improperly27.7%
Communication tactics13.8%
Incorrect information on your report13.8%
Problem with customer service13.8%
Written notification about debt13.8%

How the company responded

Company responseComplaintsShare
Closed with explanation26100%

States

StateComplaintsShare
Tennessee1557.7%
Georgia311.5%
Mississippi311.5%
Alabama13.8%
Arkansas13.8%
Delaware13.8%
Texas13.8%
Wisconsin13.8%

Latest 26 complaints

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

ReceivedProductIssueCompany responseSource
October 9, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 14, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
August 13, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
August 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 25, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 3, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
April 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 9, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 26, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
February 18, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 9, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 14, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
October 6, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 5, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
July 31, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 28, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 18, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 22, 2025Debt or credit managementProblem with customer serviceClosed with explanationconsumerfinance.gov
January 6, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 23, 2024Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 14, 2024Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
June 21, 2024Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 17, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 27, 2023Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 22, 2023Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov

Also on SpecStream

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.