We have had a similar set of calls to my home and my daughter's home looking for another family member. I have been called a "Scumbag". They have threatened my daughter with jail time for a supposed felony check fraud. When asked for proof of the debt, they have refused stating that it is "State's Evidence". I find this comical. The state would not employ an out of state company to enforce a court order. They would issue a warrant and let it's own state go after you. The caller is ignorant and plays on fear. Funny thing about this, my daughter has not had an account with the bank that they say she wrote a check on since 2004 and did not write a bad check with them. She had an overdraft on the account and went into it. The debt was paid off in 2004. So the information that this company has is so far out of date that it is laughable. The caller made reference to hearing excuses from "Those Black People". Highly offensive and rude. The Fair Trade Commission prohibits such calls and the release of any personal financial information to anyone other than that person or an attorney. You in Irving TX. the statute of limitations in TX for a bad check under $1500 is 2 years. It is also a misdemeanor.  If you have never signed for a certified return receipt letter from this caller, call their bluff. Do not give them any personal information and report them to your phone carrier, your local Police Department and the FTC or FBI. Let them know that you are or have made this report. RECORD your call and let them know that they are being recorded. The FTC and FBI can get them and put them out of business. Better yet, keep a whistle by the phone and LET THEM HAVE IT ! LOL

I just got a call from this person I don't even no who this is saying that I did a fraud scam I that I need to pay I ask when and were did this take place. He said in Irving 2007 I never live in Irving so I asked for his info and he told me that I did't need it becasue I was going to jail for 90 days. This is not right and something need to be done about this !!!!!!!!

My husband and I both got voicemails from this number stating for us to call them back right away that It was an emergency. My husband talked to them first and they told him that I had an hour to say 1000 dollars or they would file paper work against me for check fraud and I was going to be charge with two felonies. After I called them, and they told me the same thing. That I was being charge w ith check fraud for cashing a bad check at a EZ loan center in Oct. 2009. Funny thig was that I lived in a different state at that time. Every time I tried to talk they cut me off saying I was trying to stall to get more time to pay. I asked them for prof and they kept telling me it was akk evidence of the state and I was already found guilty and I didn't respond to a 14 day notice they sent me in the mail. (The address they had was one from years ago) when I kept asking questions and dening it they put me on hold. So I Hung up and called the court houses but it was presidents day  so I.couldn't get any info. I called my husband back and he said they were probably a scam and not to pay them and they were probably doing it on a Monday because the courts were closed. So I waited until the next day and called the courts were I live. They had no record of any charges being brought against me and to report them to my local police.department. they have not tried to call me back sense. These men are extremely rude

On this date, February 19, 2013, resident received a harassing phone call from the agency at 313-822-4280.  Caller identified himself as a law enforcement officer and was rude and unrespectful to recipient calling her a "wetback" plus other unprofessional statements.   The person they are looking is not at recipients residents and the only reason they have her telephone number is because it was a possible contact number for the person caller was attempting to locate.

This agency needs to monitor their employees so as not to harass and frigthen elder individuals.

Universalcardcom
15200 E Jefferson Ave
Grosse Pointe , MI 48230
313-822-4280

An attorney called my families home and threatened them, telling them that they need to take action immediately to avoid serious repercussions due to a severe issue in which their "client"  (aka, me) has not responded.  I called them and they were so rude and brash.  Once they found out my name, they wouldn't let me get a word in edge wise.  They wouldn't tell me who the debtor was, but they told me what I owed, when I owed it and that they would be filing papers in which I would go to jail before the weekend unless I paid in full today.  They did not let me ask questions, in fact, he told me that he was speaking now and it was not my turn to talk.  I finally had to hang up.

I have no idea who these people are.  I did some internet research and there is a complaint through Google about a PayDay Loan and not making good on the payback portion.  They only short term loan that I have ever done is with my bank, in which they take the $ out from my next auto deposit check.  The address and phone under MSN search are with UniversalCardCom.  I used to have an AT&T Universal Card...but the account was when I was 18 and settled up many, many years ago.  I really cannot say for sure what this is.

My in-laws are old and they were scared out of their mind.  How dare them, this is so unprofessional.  I will be filing complaints.