Debt collector · complaint record
Universal Accounts complaints
Filed under UNIVERSAL ACCOUNTS LLC
Consumers have filed 10 complaints about Universal Accounts since 2024, 5 of them in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 10
- Last 12 months
- 5
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #940 of 1,963
Since October 2024
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 19, 2026
Most complained-about debt collectors
Universal Accounts complaints by month
The busiest month was October 2024 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Universal Accounts answered all time
- Closed with explanation10100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Universal Accounts complaints are about
Top Universal Accounts problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 2
Where Universal Accounts complaints come from
Most complaints: California (7), Florida (1), Pennsylvania (1), Delaware (1).
Universal Accounts compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Universal AccountsDebt collection | - | 5 | - |
Compare side by side: Universal Accounts vs Green Square · Universal Accounts vs EMoneyUSA · Universal Accounts vs Mullooly Jeffrey Rooney & Flynn · Universal Accounts vs Credit World Services
What people say about Universal Accounts
All experiencesNo experiences with Universal Accounts yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Universal Accounts complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 19, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| May 18, 2026 | Student loans | Issue where my lender is my schoolIssues with fees connected to the loan | Explained |
| Mar 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 17, 2026 | Payday & personal loans | Getting the loan | Explained |
| Dec 24, 2025 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Feb 21, 2025 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Jan 6, 2025 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Nov 8, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 9, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 8, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about Universal Accounts
How many complaints does Universal Accounts have?
Universal Accounts has 10 complaints on record since October 2024, including 5 in the last 12 months and 1 in the last 30 days. That makes it number 1,875 of every company by complaints this year.
Does Universal Accounts respond to complaints?
Yes. Universal Accounts answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Universal Accounts?
The most common problems are attempts to collect debt not owed (2), charged fees or interest you didn't expect (2), getting the loan (1).
Is Universal Accounts legit?
Universal Accounts is a real company with a public complaint record: consumers have complained about it 10 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Universal Accounts legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Universal Accounts?
Complain to Universal Accounts in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Universal Accounts complaints come from?
Most come from California (7), Florida (1), Pennsylvania (1). Big states file more complaints, so the map shows complaints per 100,000 people.
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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