Debt collection
Universal Accounts debt collection complaints
Consumers have filed 6 complaints about Universal Accounts's debt collection, 2 in the last 12 months. Universal Accounts answered 100% on time and closed 0% with relief. See the whole Universal Accounts record.
Universal Accounts 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 Accounts | 2 | 100% | 0% |
Latest Universal Accounts debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Mar 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 24, 2025 | Debt collection | Electronic communicationsFrequent or repeated messages | 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 |
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.
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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