Debt collection
Universal Credit Services debt collection complaints
Consumers have filed 24 complaints about Universal Credit Services's debt collection, 2 in the last 12 months. Universal Credit Services answered 100% on time and closed 0% with relief. See the whole Universal Credit Services record.
Universal Credit Services 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 Credit Services | 2 | 100% | 0% |
Latest Universal Credit Services debt collection complaints
| 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 |
| 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 |
| Nov 3, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt was paid | Explained |
| Oct 1, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt was paid | Explained |
| Sep 18, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| Sep 18, 2015 | Debt collection | Disclosure verification of debtNot given enough info to verify debt | Closed |
| Sep 18, 2015 | Debt collection | Disclosure verification of debtNot given enough info to verify debt | Explained |
| Jul 27, 2015 | Debt collection | Disclosure verification of debtNot given enough info to verify debt | Explained |
| Mar 23, 2015 | Debt collection | Communication tacticsThreatened to take legal action | Explained |
| Mar 19, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt was paid | Explained |
| Feb 9, 2015 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 3, 2015 | Debt collection | Communication tacticsThreatened to take legal action | Closed |
| Jun 28, 2014 | Debt collection | Disclosure verification of debtRight to dispute notice not received | Fixed |
| Apr 9, 2014 | Debt collection | Disclosure verification of debtRight to dispute notice not received | Fixed |
| Dec 16, 2013 | Debt collection | Cont'd attempts collect debt not owedDebt was paid | Fixed |
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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