# Universal Collection Systems, Inc: 26 CFPB complaints

Updated November 10, 2026.

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.

## The full list

This record is a row of this list. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email.

- [Companies with consumer complaints to the CFPB](https://specstream.ai/data/consumer-complaints): 5,399 rows, complaints received by the CFPB from November 9, 2023 to November 9, 2026, $133.99. Buy: https://specstream.ai/data/consumer-complaints

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.

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

## Complaints by year

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

| Year | Complaints |
| --- | --- |
| 2026, to Nov 9 | 12 |
| 2025 | 8 |
| 2024 | 4 |
| 2023 | 2 |
| 2022 | 6 |
| 2021 | 9 |
| 2020 | 1 |
| 2019 | 10 |
| 2018 | 2 |
| 2017 | 2 |
| 2016 | 1 |
| 2014 | 4 |

## 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 |
| --- | --- | --- |
| [Debt collection](https://specstream.ai/data/consumer-complaints/product/debt-collection) | 21 | 80.8% |
| [Credit reporting or other personal consumer reports](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports) | 4 | 15.4% |
| [Debt or credit management](https://specstream.ai/data/consumer-complaints/product/debt-or-credit-management) | 1 | 3.8% |

## Issues

| Issue | Complaints | Share |
| --- | --- | --- |
| Attempts to collect debt not owed | 9 | 34.6% |
| False statements or representation | 4 | 15.4% |
| Took or threatened to take negative or legal action | 4 | 15.4% |
| Improper use of your report | 3 | 11.5% |
| Threatened to contact someone or share information improperly | 2 | 7.7% |
| Communication tactics | 1 | 3.8% |
| Incorrect information on your report | 1 | 3.8% |
| Problem with customer service | 1 | 3.8% |
| Written notification about debt | 1 | 3.8% |

## How the company responded

| Company response | Complaints | Share |
| --- | --- | --- |
| Closed with explanation | 26 | 100% |

## States

| State | Complaints | Share |
| --- | --- | --- |
| [Tennessee](https://specstream.ai/data/consumer-complaints/state/tennessee) | 15 | 57.7% |
| [Georgia](https://specstream.ai/data/consumer-complaints/state/georgia) | 3 | 11.5% |
| [Mississippi](https://specstream.ai/data/consumer-complaints/state/mississippi) | 3 | 11.5% |
| [Alabama](https://specstream.ai/data/consumer-complaints/state/alabama) | 1 | 3.8% |
| [Arkansas](https://specstream.ai/data/consumer-complaints/state/arkansas) | 1 | 3.8% |
| [Delaware](https://specstream.ai/data/consumer-complaints/state/delaware) | 1 | 3.8% |
| [Texas](https://specstream.ai/data/consumer-complaints/state/texas) | 1 | 3.8% |
| [Wisconsin](https://specstream.ai/data/consumer-complaints/state/wisconsin) | 1 | 3.8% |

## Latest 26 complaints

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

| Received | Product | Issue | Company response | Source |
| --- | --- | --- | --- | --- |
| October 9, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/29577962) |
| September 14, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/27255896) |
| August 13, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/25327975) |
| August 13, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/25306111) |
| July 25, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/24600510) |
| June 3, 2026 | Debt collection | False statements or representation | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/22837145) |
| April 14, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/21243081) |
| March 9, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20094147) |
| February 26, 2026 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19811334) |
| February 18, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19588647) |
| February 2, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19192151) |
| January 9, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18613454) |
| December 14, 2025 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18027148) |
| October 6, 2025 | Debt collection | False statements or representation | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/16385259) |
| September 5, 2025 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15736372) |
| July 31, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15004211) |
| July 28, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14924923) |
| March 18, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12544561) |
| January 22, 2025 | Debt or credit management | Problem with customer service | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11697410) |
| January 6, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11402943) |
| September 23, 2024 | Debt collection | False statements or representation | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10221044) |
| August 14, 2024 | Debt collection | False statements or representation | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9802375) |
| June 21, 2024 | Debt collection | Written notification about debt | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9320218) |
| May 17, 2024 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9038004) |
| December 27, 2023 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8063691) |
| December 22, 2023 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8049716) |

## Also on SpecStream

- [Every company with Debt collection complaints](https://specstream.ai/data/consumer-complaints/product/debt-collection)
- [Every company with Credit reporting or other personal consumer reports complaints](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports)
- [Every company with Debt or credit management complaints](https://specstream.ai/data/consumer-complaints/product/debt-or-credit-management)
- [Consumer complaints in Tennessee](https://specstream.ai/data/consumer-complaints/state/tennessee)
- [Consumer complaints in Mississippi](https://specstream.ai/data/consumer-complaints/state/mississippi)
- [Consumer complaints in Georgia](https://specstream.ai/data/consumer-complaints/state/georgia)
- [All consumer complaints](https://specstream.ai/data/consumer-complaints)

Source: [CFPB Consumer Complaint Database](https://www.consumerfinance.gov/data-research/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](https://creativecommons.org/licenses/by/4.0/).