Universalaccountservicing Reviews 15

This loan company operates predatorily. Despite paying the suggested minimum payment every month, my balance continues to increase. I requested a temporary forbearance due to a medical leave of absence — a situation I am actively receiving treatment for — and was told I have exhausted my forbearance time. At this rate, I will never pay off this loan, as the interest rate appears to be manipulated to ensure that outcome. This company consistently acts in bad faith. When I expressed that managing this payment on top of everything else I’m facing would be my breaking point, their response was simply: “Have a great weekend.”

My installment plan was supposed to end in October. They changed the date and charged me huge interest! I strongly do not recommend this service.

This company is absolutely pathetic. They double charged me $242 and I have to wait 30 days for them to send it back

Scammed by this company. Taking them to court for a class action case. Peak Performance for Men sold a loan to them or they bought it, after I had requested from Peak Performance for Men a full refund of what I had paid for none performance of a medical procedure. To be continued!

The company I contracted was great. This company, trying to get a hold of someone without being transferred around, is a joke! I have been trying for two months to change my method of payment. The company said i have to the third party, they couldnt do it. So i wanted for any kind of communication from this jankie third party company. I finally got an invoice, the web site is basic, yet it is nowhere close to being friendly user. Having to weed through all the companies they provide service for, trying to find what you want, what a headache. They represent to many companies, yey I'm sure training is very basic. Third larty vendors are horrible. My account has nothing to do with student loans, yet on my invoice it talks about me having a student loan and gives two separate numbers to call. This bring up so many red flags and screams scam all over it.

My account from a medical practice was transferred to UAS. I contacted them in January 2025 to get the full outstanding balance so I could pay it off in full. They did, and I did. I got the receipt that my account was zero and paid in full. Then they started contacting me saying I still owed money because a missed payment in August (6 months prior, which I paid immediately at the time) magically resurfaced in February and they were demanding payment.
This is utter incompetence, weak and defective accounting systems, or simply shady practices of an incompetent company. Pick one, they're all the same. DO NOT do business with UAS, you will regret it. They will probably turn that one payment over to my credit bureau, for which I will sue them for negligence and harassment. $3,000 bill, paid 100% on time and paid off early, and they are going to jerk me around for $127 like I'm some kind of grifter. They are the grifters...

I must say I wish I would have looked into this company before hand. unprofessionalism. Rude, and abrasive customer service representative. We’re not recommend this company.

UGA aka Universal Account Services, aka Uportal 360 are extremely deceitful. They run you around and say one thing in writing and then delete the comments they made to you in order to facilitate charging more interest. Even when the original loan holder was paid in full and agreed to waive interest. They will not provide a phone number to their USA corporate office to speak with anyone outside of whomever answers the phone.

I wish I could give them a 0. UAS is the finance side of Aroma 360, despite stating they are a 3rd party billing company. They are not. They send faulty units routinely and will hold you to 30 days in contract from the first unit receipt -not the functional unit receipt. They will stall on time with non-functional units until the 30 days are past and stick you with a bill, sending no oils and then harass you with multiple calls, texts and emails about non-payment. Run from this company. I am contacting the BBB and State Attorney General of Florida. UAS will also provide you no protection and demand you pay account in full to end a contract for a non-functional unit.

Scammer account - do not do business with Aroma 360 or Universal - I got stuck with a $3000 finance agreement for a$100 machine made in China - They claim they don't report to credit companies. I went online into this account and it shows my account credit limit is 20k - when I called the supervisor she said they don't see that - I'm reporting to the BBB and Attorney General of FL. and Ca.

This company contacted me directly after I purchased a diffuser and oils from the Hotel Collection. With in minutes of making my purchase Abby with UAS contacted me, offering me to be in the Hotel Collection VIP oil club. At no time did she say she worked for a 3rd party company. She told me I would receive a feee diffuser, and half off the oils I would need. She explained that I would be able to change the oils I wanted to receive by contacting them directly or through the portal. When trying to reach Abby, I never received a call back. And you can’t shop oils on the portal. I was never explained that anything would be going on my credit for this “VIP” service. Now the company is claiming it owe $2000 for a machine I had purchased for $500.
It’s absolutely disgusting.

Universal Account Servicing took over a loan I had directly with my undergrad institution. I went directly into my masters and then PhD programs. UAS refuses to do their due diligence and check the national clearing house database to check if a load is in deferment. Instead, they automatically start collecting interest and say payments are due before the start of the semester. This semester, they sent my loan to collections and tanked my credit score (100 point drop from Excellent to fair credit). The collections employee was flabbergasted and actually helped me consolidate my loan into my Nelnet holdings so they were not responsible for bad debt. This was the first time it went to collections, but similar issues happen every semester. I am still fighting to get the non-payment records removed from my credit score.

The only reason I give them 2 stars is that their call center employees are always considerate and do get it sorted out eventually.

If you can help it, do not get a UAS loan. If your school sells your loan to UAS, go to Nelnet and consolidate your loan out of their hands and into one of the national servicers who at least checks the database.

I cosigned for my daughter's student loan. In 2022 started paying on the loan. I was told when I took the loan that it would be accruing interest while my daughter was in college.
When started paying on the loan I was told that $200 of my $380 was going to the principle of the loan, that was wrong and deceitful.
After another deceitful answer, I found that nothing goes to the principle of the loan until all interest is paid. So I paid the interest of $10k and started making payments above the minimum payment and found that still I was being charged $200 in interest. After making some significant payments on the principle I'm still paying over $200 in interest at month. My interest rate has not changed, but the amount I pay in interest is increasing.

I was setup with a loan with this company through one of their partners, or affiliate companies, ONLINE TRADING ACADEMY.

Online Trading Academy decided to close my campus shortly after I had become a student with them and committed to spending a large amount of capital overtime with this loan with Universal Account Servicing.

I was very upset at first but what I didn't realize, and what ONLINE TRADING ACADEMY was great at was standing by their products. The main campus, located in California, let me know that they have what amounts to a 100% money back guarantee on their products when things aren't delivered up to my, or any students, expectations and that they were more than happy to cancel out my enrollment with them and my loan with their affiliated company, Universal Account Servicing.

They closed it out extremely quickly but Universal Account Servicing continued to call me several times per day until their systems were finally updated that the loan was cancelled with nothing owed.

At least I got all of my money back.

Universal Account Servicing is a horrible company. Do what you can not to do business with these crooks. Universal account servicing took over a small loan from another company that I was diligently paying off monthly via autopay. I wasn't informed of the new curator of the loan until I received a bill from them in the mail on a Friday. That following Monday I tried to pay off the entire loan. They informed me that my account was delinquent for well over a month with fees and interest outstanding (even though the paper bill noted 0 fees and no delinquency.) They claimed they had sent me email. I explained that I didn't receive the email (probably went to spam) and that the statement from the Friday was the first notice I received that I had to switch my payment from the previous company to them. They refused to remove the fees or additional interest. I paid off the loan, but this company belongs to hell.