Debt collection
Universal Acceptance debt collection complaints
Consumers have filed 76 complaints about Universal Acceptance's debt collection, 23 in the last 12 months. Universal Acceptance answered 100% on time and closed 0% with relief. See the whole Universal Acceptance record.
Universal Acceptance against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Universal Acceptance | 23 | 100% | 0% |
Latest Universal Acceptance debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 19, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Apr 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 25, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Mar 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 1, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Feb 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 22, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 18, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 9, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 7, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Aug 19, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Aug 16, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 26, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 24, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 13, 2025 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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