Debt collector · complaint record
Universal Collection Systems complaints
Filed under UNIVERSAL COLLECTION SYSTEMS, INC
Consumers have filed 62 complaints about Universal Collection Systems since 2014, 14 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
- 62
- Last 12 months
- 14
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #635 of 1,963
Since January 2014
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 12, 2026
Most complained-about debt collectors
Universal Collection Systems complaints by month
The busiest month was July 2019 (4 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Universal Collection Systems answered all time
- Closed with explanation6198.4%
- In progress11.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Universal Collection Systems complaints are about
Top Universal Collection Systems problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 12
- Debt was paid 9
- Debt was already discharged in bankruptcy and is no longer owed 1
Where Universal Collection Systems complaints come from
Most complaints: Tennessee (30), Georgia (11), Mississippi (5), Texas (2), Arkansas (2).
Universal Collection Systems 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 Collection SystemsDebt collection | - | 14 | - |
Compare side by side: Universal Collection Systems vs Green Square · Universal Collection Systems vs EMoneyUSA · Universal Collection Systems vs Mullooly Jeffrey Rooney & Flynn · Universal Collection Systems vs Credit World Services
What people say about Universal Collection Systems
All experiencesNo experiences with Universal Collection Systems yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Universal Collection Systems complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 9, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 14, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 13, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 25, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 3, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 26, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Feb 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 2, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about Universal Collection Systems
How many complaints does Universal Collection Systems have?
Universal Collection Systems has 62 complaints on record since January 2014, including 14 in the last 12 months and 1 in the last 30 days. That makes it number 1,264 of every company by complaints this year.
Does Universal Collection Systems respond to complaints?
Yes. Universal Collection Systems 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 Collection Systems?
The most common problems are attempts to collect debt not owed (22), improper use of your report (3), false statements or representation (9).
Is Universal Collection Systems legit?
Universal Collection Systems is a real company with a public complaint record: consumers have complained about it 62 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Universal Collection Systems legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Universal Collection Systems?
Complain to Universal Collection Systems 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 Collection Systems complaints come from?
Most come from Tennessee (30), Georgia (11), Mississippi (5). 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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