UNIVERSAL COLLECTION SYSTEMS, INC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30318	Web
On XX/XX/XXXX, I noticed two new derogatory accounts on my XXXX credit report both in the amount of {$550.00} and both from XXXX XXXX. I disputed the same with XXXX. On XX/XX/XXXX, XXXX responded to the dispute claiming these accounts were correct. On XX/XX/XXXX, I contacted Universal Collection Systems in XXXX, TN to inquire about the same. Universal Collections stated that one account was a duplicate but that the other was correct. They also stated they sent one ( 1 ) correspondence regarding this account in XXXX. ( I did not receive a copy of this alleged XXXX correspondence ). Universal Collections stated they never called me about this alleged debt. Instead, three ( 3 ) years after sending the alleged correspondence in XXXX, they report both accounts to the credit bureaus making them in breach of the Fair Credit Reporting Act by not allowing the consumer adequate notice to dispute a collection and by making a fraudulent derogatory account on my credit report. On XX/XX/XXXX, I also requested an itemized statement of the charges. To date, I have not received the same. Instead of complying with the Fair Credit Reporting Act, Universal Collections is attempting to bully me into paying for an account ( s ) that is not mine and by reporting the same account twice to the credit bureaus thus hurting my credit in an attempt to intimidate the consumer into paying. Note I have no correspondence from Universal Collections to attach to this complaint.
11/28/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 38017	Web
Upon reviewing my credit report in XX/XX/XXXX I discovered a " Derogatory Remark '' from a UNIVERSAL COLLECTION SYS concerning a {$530.00} balance owed to XXXX XXXX XXXX. I disputed this on XX/XX/XXXX through XXXX XXXX XXXX XXXX stating that I had no knowledge of the account. I was notified on XX/XX/XXXX from XXXX XXXX that the dispute was investigated but the information was verified as accurate. I disputed it again on XX/XX/XXXX through XXXX XXXX XXXX XXXX stating that I was not responsible for this account ( e.g. belongs to ex-spouse ). I was notified on XX/XX/XXXX from XXXX XXXX that the dispute was investigated but the information was verified as accurate. I was again notified on XX/XX/XXXX from XXXX XXXX that the dispute was investigated but the information was verified as accurate. After the second failed attempt to get this handled I discovered a new additional " Derogatory Remark '' from a UNIVERSAL COLLECTION SYS concerning a {$600.00} balance owed to XXXX XXXX XXXX. I have only been to this Place of Business once. That may have been in XXXX and there were no services rendered other than a referral to a XXXX. These charges are not owed by me in my opinion.
12/08/2021	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75040	Web
This company refuses to be truthful about who they are and constantly goes under many different names. They will not disclose the correct company name when you call or give an address. I have repeatedly asked them to not call me at work, call my personal cell or family and friends but they do not listen. They make threats to my job and family that they are serving me paperwork for court hearing in XXXX XXXX and to avoid being ARRESTED they need to get my location immediately ( nothing has been filed with XXXX county ) They are calling me over 15 times a day from different numbers. I got so fed up with the calls, I started making payments to make them going away feeling like it would never end. The never sent over receipts or bills like promised, and they tried to pull out more than I had accepted. Within 1 hour of trying to take a payment and it not being accepted they were calling my employment yet again to try and threaten my arrest. I have disputed this to fraud to my bank and I have reported them to the XXXX XXXX XXXX, attorney general and now here. I have recorded phone calls, emails and voicemails of their tactics.
07/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30318	Web
Hello, I checked my credit report again today only to find out I still have two fraudulent derogatory accounts from Universal Collections Systems. One is admittedly a duplicate and the other has a date of XXXX which shows that Universal Collections is attempting to re-age an alleged old debt that I have not had the chance to investigate which puts them in breach of the Fair Credit Reporting Act. By placing fraudulent information on my credit report, Universal Collections Systems has caused much hardship in my life. They have also taken away my right under the Fair Credit Reporting Act that allows the consumer the right to dispute and investigate an alleged collection prior to reporting to the credit bureaus. Clearly Universal Collections Systems does not abide by reporting laws as they claim to have allegedly sent one correspondence in XXXX to an invalid address and then just decided to add these fraudulent accounts to my credit report 3 years later in XX/XX/XXXX.
07/07/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30341	Web
as of XX/XX/2021 Universal Collection Sys has reported a as a collection on my credit report, thus damaging my credit. I previously reached out to company to inform them that I do not owe any debt and any attempt to collect a debt from me or damage my report would be fraudulent in nature and according to the FDCPA I am the consumer pursuant 15 USC 1692, and I do NOT owe any debt. I have never provided my social security number or card for any line of credit from this company. I am an XXXX XXXX pursuant 15 USC 1602 and upon the request of the Social Security Administration I am to immediately return the Social Security Card, therefore I do NOT owe any debt attached to the card pursuant 18 USC 8. I have never entered into any contract with this company and This company has refused to validate any debt owed by investigating family, associates, and/or neighbors pursuant 15 USC 1681 ( a-e ).
07/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38119	Web
I checked my credit report and found a medical collection that is seriously effecting my credit scores. Universal collection Systems is reporting information that is inaccurate, This debt is not mine and is for someone else with similar name. I have made contact with the collection company whom has not validated that this debt belongs to me. I have not done business with Universal Collection Systems, below is the inaccurate reporting information. UNIVERSAL COLLECTION SYSTEMS XXXX XXXX XXXX XXXX \| XXXX, TN XXXX Phone: XXXX Toll Free Phone: XXXX Creditor Name UNIVERSAL COLLECTION SYS Account No. XXXX Original Creditor XXXX XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Placed for collection
11/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 302XX	Web
I called the Debt Collections Company after filing a dispute on my credit report for the collection of an improperly filed medical bill. The Debt Collections Company insisted on taking personal sensitive information, and could not offer any information on the debt other than the institution who sold the debt to them. They could not provide contact information or further information on this debt. I attempted to contact the Medical Institution regarding the improperly handled medical bill, with no response. They improperly filed the bill and were more than compensated by insurance already. They filed this debt improperly afterward, without any regard to notifying myself of said debt. This information was also improperly filed on my credit report, causing me further trouble.
11/24/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	LA 70815	Web
To whom it may concern, I am writing because I have been getting contacted from a debt collection agency called universal collections out of XXXX.It has been brought to my attention that said company is not licensed to collect debt in the state of Louisiana. Ive been threatened to get sued and taking to court and have to pay legal fees when I tell them the amount Im able to pay at the moment the tell me that I am not paying back enough so thats not an option. They also go on to repeatedly yell over the phone and tell me I shouldnt have took on the debt if I cant pay it back even though Im dealing with death in my family and are in between jobs
07/14/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63033	Web
This is a debt that I was spoke with the doctor office due to my son father taking my son to the doctor. He called for the insurance card number ( he reside in XXXX, TN - I reside in XXXX, MO since 2012 ) - I gave to him. When I ran my credit report I notice this charge on there. 1- I did not sign any papers, my child XXXX XXXX was in the care of his father. I am not obligated or was given notice about the debt. I have disputed the account which was showing on my credit reports for {$100.00} and being closed now the company Universial Collection has updated and placed status back to Collection and changed the amount. {$80.00}
02/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30043	Web
The invoice was paid to the billing department at the medical facility on time. This is not a debit and there is no reason the debit collector should be contacting me. I sent a Certified letter to the collector with a copy of the invoice and a dated payment conformation. A cease and desist was included in the letter, the letter was sent on XX/XX/XXXX, on XX/XX/XXXX Universal Collection Systems contacted me via phone using an automated system violating the cease and desist demand. I now consider this harassment and will press charges upon a second violation.
05/19/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 315XX	Web
Universal Debt Collections, through a proxy number impersonated an officer of the law stating that they were requesting permission to serve me with court summons, claiming a lawsuit had been filed to me. Stating the company of origin had filed the suit, and that I could settle out of court. When I chose out of court restitution he claimed to not worry about the company name on the charge, its just a third party processor. Which the number on the charge clearly is the main office number of Universal Debt Collections.
11/26/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	NV 89012	Web
Called XXXX XXXX XXXX to pay off payday loan and the debt was sold off multiple times and ended up in the lap of people calling themselves assurance made payment plan with them and would not give me itemized documents for payment plan or proof of payment plan turns out they are using the name universal at phone number XXXX they did charge me the amount listed and agreed on but I need documents or how else am I going to prove Im making payments. They were calling my family multiple times
04/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN XXXXX	Web	Servicemember
The on XX/XX/XXXX I paid in full a medical debt owed to XXXX XXXX XXXX to Universal Collection Systems. I followed up with a phone call that was never returned. On XX/XX/XXXX I received a notice that my payroll wages would be garnished in the amount of {$860.00} due to an already paid debt. I reached out again only to have the call to go without an answer. On XX/XX/XXXX Upon looking into my payroll for the week my wages have been garnished for {$390.00} for a debt that I do not owe.
07/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38141	Web
I have an old account with XXXX light gas and water. I received a collection from XXXX XXXX XXXX mid-XXXX. I set up a payment plan and have started paying. I received another collection notice about this same account from Universal collection agency in XXXX tn. Well not a notice, They report to my credit report without contacting me. I have already made arrangements to pay this with another collection agency. How can they sell the debt to two different agencies.?
09/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 38002	Web
XXXX bill for my daughters of {$510.00} is on my credit report. The entire amount that was posted on my credit report of {$510.00} was paid to XXXX office on XX/XX/2019 at XXXX XXXX. The payment id # is XXXX. I submitted a dispute via XXXX XXXX and XXXX came back XX/XX/XXXX and said the debt is valid. I explained in my dispute that it had been paid in full. I would like it removed from the report. If it can not be removed at least show the XXXX balance.
01/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AR 723XX	Web
On XX/XX/XXXX at XXXX, I received a call from a XXXX claiming to be from Universal Collection Systems. She simply told me to pay a debt of {$50.00} and then asked for my card details. It seemed suspicious to give my details over the phone so I asked for a website and put the information there. I still find it strange that a debt collector needs my card number, expiration date and the three numbers on the back. I was never told what the debt was for.
12/09/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95961	Web	Older American, Servicemember
On XX/XX/2022 I filed a complaint that detailed the debt collectors attempt to collect on a debt that was bogus and attempting to collect damages without a court judgment. Complaint No : XXXX. The company responded to CFPB stating they would respond to my complaint directly to me by mail. As of XX/XX/2022 the debt collector has failed to contact me either by mail or by phone. The debt is still active on my credit file.
01/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 38654	Web
THE DENTAL OFFICE SENT THE COLLECTION COMPANY MY MEDICAL ISTORY WHICH INCLUDED MY PAST AND CURRENT MEDICAL CONDITIONS AND MEDICATION I AM CURRENTLY TAKING. THIS IS A HIPPA LAW VIOLATION. I NEVER AUTHORIZED XXXX XXXX XXXX TO RELEASE MY PERSONAL AND PRIVATE MEDICAL INFORAMTION.
12/27/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 38183	Web

12/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 72364	Web

08/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 38116	Web

10/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38103	Web

10/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38654	Web

08/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 20794	Web

05/26/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85340	Web

03/12/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OH 43560	Web

08/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38109	Fax

11/08/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	TN 38106	Phone

03/19/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38105	Referral

02/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 38116	Web	Servicemember

07/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 38116	Web

10/05/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33435	Referral

05/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30092	Web

12/30/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 38114	Web

10/02/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 38114	Web

08/10/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 38018	Web

01/25/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SC 29730	Web