> ## 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.

# Who UAS is

> Why a company you did not choose is servicing your account, and how to verify we are legitimate.

**Universal Account Servicing, LLC (UAS)** is a third-party billing service provider. We send your
statements, take your payments, and answer your questions about the account — on behalf of the
lender or retail seller you actually dealt with.

<Card title="Verify us independently" icon="circle-check" href="https://www.nmlsconsumeraccess.org/">
  **NMLS #1060516.** Look us up on NMLS Consumer Access, the federal registry.
</Card>

## We are not who you bought from

You did not choose us. The business you bought from, or the lender that financed the purchase, did —
see [Why UAS services your account](/start-here/why-uas-services-your-account).

That means:

* **We did not set your rate or your terms.** Those are in the agreement you signed with the lender.
* **We do not sell anything.** We will not contact you to offer you products.
* **We cannot resolve a problem with what you bought.** That is between you and the seller — though
  we can [log it](/getting-help/opening-a-support-request).

## What we service

Consumer installment loans, private student loans, retail installment contracts, revolving and
open-end accounts, closed-end accounts, subscriptions, receivables, and specialty agreements.

We work with banks, credit unions, CUSOs, Title IV schools, and retail finance programs — including
the **UGA Finance Program**, which is how many retail purchases are financed at the point of sale.

## Where to find us

|            |                                                                                                                      |
| ---------- | -------------------------------------------------------------------------------------------------------------------- |
| **Phone**  | See [Contacting UAS](/getting-help/contacting-uas)                                                                   |
| **Mail**   | PO Box 12027, Parkville, MO 64152                                                                                    |
| **Office** | 603 East Street STE 301, Parkville, MO 64152                                                                         |
| **Online** | [universalaccountservicing.com](https://universalaccountservicing.com) and [uPortal360.com](https://uportal360.com/) |

## How we are examined

Our security program is independently examined, and we maintain PCI DSS compliance for card data.
See [How we protect your information](/trust-and-compliance/how-we-protect-your-data).

We are licensed as a third-party servicer and collector in states where that is required — see
[Licensing and NMLS](/trust-and-compliance/licensing-and-nmls).

## If you are not sure a message is really from us

We will never ask for your full card number, your bank account number, or your Social Security
number by email or text. If a message does, do not reply — call us on the number on your statement,
not a number in the message.

See [How and when we contact you](/trust-and-compliance/how-we-contact-you).