Debt collector · complaint record
Universal Credit Services complaints
Filed under Universal Credit Services, Inc
Consumers have filed 25 complaints about Universal Credit Services since 2013, 2 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
- 25
- Last 12 months
- 2
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #1,275 of 1,963
Since December 2013
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Aug 4, 2026
Most complained-about debt collectors
Universal Credit Services complaints by month
The busiest month was September 2015 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Universal Credit Services answered all time
- Closed with non-monetary relief312%
- Closed with explanation2080%
- Closed28%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Universal Credit Services complaints are about
Top Universal Credit Services problems
Inside "Communication tactics"
- Threatened to take legal action 2
- Frequent or repeated calls 2
- Called after sent written cease of comm 1
Where Universal Credit Services complaints come from
Most complaints: Michigan (19), Ohio (3), California (1), Florida (1), Illinois (1).
Universal Credit Services 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 Credit ServicesDebt collection | - | 2 | - |
Compare side by side: Universal Credit Services vs Green Square · Universal Credit Services vs EMoneyUSA · Universal Credit Services vs Mullooly Jeffrey Rooney & Flynn · Universal Credit Services vs Credit World Services
What people say about Universal Credit Services
All experiencesNo experiences with Universal Credit Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Universal Credit Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 30, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 6, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 20, 2022 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 23, 2021 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 7, 2020 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 28, 2020 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | Explained |
| May 22, 2019 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Feb 17, 2018 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jun 23, 2016 | Debt collection | Communication tacticsCalled after sent written cease of comm | Explained |
| Apr 13, 2016 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
Questions about Universal Credit Services
How many complaints does Universal Credit Services have?
Universal Credit Services has 25 complaints on record since December 2013, including 2 in the last 12 months and 0 in the last 30 days. That makes it number 2,550 of every company by complaints this year.
Does Universal Credit Services respond to complaints?
Yes. Universal Credit Services 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 Credit Services?
The most common problems are attempts to collect debt not owed (3), communication tactics (5), cont'd attempts collect debt not owed (5).
Is Universal Credit Services legit?
Universal Credit Services is a real company with a public complaint record: consumers have complained about it 25 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Universal Credit Services legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Universal Credit Services?
Complain to Universal Credit Services 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 Credit Services complaints come from?
Most come from Michigan (19), Ohio (3), California (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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