> ## Documentation Index
> Fetch the complete documentation index at: https://faq.universalaccountservicing.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Contacting UAS

> Phone, portal, email and mail — and which to use for what.

## Phone

[**(888) 233-2302**](tel:+18882332302) — Monday to Friday, **7:00 AM – 7:00 PM Central**.

<Info>
  **We verify who you are before we discuss your account.** Have your **Account Number** and your
  own details to hand — we will tell you what we need on the call. If you do not have your Account
  Number, we can still find you.

  We do this every time, including when you are sure we know who you are. It is what stops someone
  else getting your account details by calling us.
</Info>

<Warning>
  **A customer service fee may apply if an agent takes a payment over the phone.** You will be told
  the amount before the payment is taken and you can choose a free channel instead. Paying in
  uPortal360 is free — see [Ways to pay](/payments/ways-to-pay).
</Warning>

## In uPortal360, any time

You can open a support request at any hour, including outside business hours. It is the best route
for anything that is not urgent, because it creates a record and you get email updates as it
progresses.

<Card title="Opening a support request" icon="ticket" href="/getting-help/opening-a-support-request">
  What to have ready, and which category to choose.
</Card>

## Email

**[support@universalaccountservicing.com](mailto:support@universalaccountservicing.com)** or **[consumerhelpdesk@ugafinance.com](mailto:consumerhelpdesk@ugafinance.com)**

Both reach the same Consumer Help Desk and both are worked the same business day they arrive. Your
AutoPay authorization gives the second one, so either is fine.

Do not send card numbers, bank account numbers or your Social Security number by email. If we need
those, we will take them another way.

## Mail

| What you are sending                              | Where                                                                                                                         |
| ------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------- |
| **Payments and general correspondence**           | Universal Account Servicing, LLC<br />PO Box 12027<br />Parkville, MO 64152                                                   |
| **A billing error or a credit reporting dispute** | Universal Account Servicing, LLC<br />ATTN: Billing Errors and Disputes<br />603 East Street STE 301<br />Parkville, MO 64152 |
| **A payment from Canada**                         | A different address again — see [Paying from Canada](/payments/paying-from-canada)                                            |

<Note>
  **Anything time-critical should be a phone call.** Post is too slow for a three-business-day
  deadline, such as stopping a scheduled payment.
</Note>

## Which route for what

| What you need                          | Best route                                                                                                            |
| -------------------------------------- | --------------------------------------------------------------------------------------------------------------------- |
| Make a payment                         | [uPortal360](https://uportal360.com/) — free, and instant                                                             |
| Cannot sign in                         | Phone — see [If you see "Validation Failed"](/signing-in/validation-failed)                                           |
| Stop a scheduled payment               | Phone, at least three business days ahead                                                                             |
| A charge you do not recognize          | [Dispute it](/getting-help/disputing-a-charge)                                                                        |
| A question about what you bought       | Contact the business you bought from first — see [Opening a support request](/getting-help/opening-a-support-request) |
| Repayment options on a student loan    | Your loan provider first — see [Student loans](/getting-help/student-loan-borrowers)                                  |
| A copy of a document                   | Phone or a support request. Paper copies are free                                                                     |
| Change your name or date of birth      | See [Changing your personal information](/your-information/changing-your-information)                                 |
| You cannot afford this month's payment | Phone — see [If you are having trouble paying](/getting-help/trouble-making-payments)                                 |
| You are being called to active duty    | See [If you are called to active duty](/getting-help/military-service-scra)                                           |

## Free debt help

If you would like free, independent help with debt, every statement prints a **credit counseling**
referral number. We do not charge for it and we do not receive anything from it.