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 |
|---|---|---|---|
| Apr 12, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Mar 9, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 12, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Money back |
| Dec 9, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 23, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 7, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 27, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 1, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jan 4, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 16, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 6, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Mar 18, 2023 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Mar 16, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 11, 2023 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Mar 7, 2023 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Jan 26, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 21, 2022 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Nov 26, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 12, 2022 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Feb 7, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 16, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 17, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 4, 2021 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 17, 2020 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jul 25, 2020 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 11, 2019 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 9, 2019 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Sep 22, 2019 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 10, 2018 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Nov 13, 2018 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | 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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