Is Universal Co fraud?

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The Guide to Understanding Why You Were Charged By “Universal Co” and What To Do About It (universal1.com)

Bella Khan, Subscription Cancellation Expert

Published January 31, 2026

Last updated January 31, 2026

1 min read

What is "Universal Co"?

Universal at universal1.com provides a range of services primarily focused on subscriptions and billing management. If you've signed up for a service that involves recurring payments, you might see charges from Universal in your statements. They help companies streamline how they handle payments so that you can enjoy your services without hassle.

Universal Co: The name of the company where the purchase was made.
Location: This could include the specific location or branch of the company, though it's not present in this descriptor.
Transaction Type: Indicates the nature of the transaction, which isn't explicitly mentioned but is understood to be a purchase.
Masked Card Number: Usually included in transaction descriptors to protect your account details; not provided here but often appears in similar descriptors.

Verify With Receipt

The best way to tell if this charge is fraudulent is to find the receipt. You may have an electronic copy of the receipt, which Chargeback can help you find by searching your email accounts.

Chargeback helps you identify unwanted subscriptions and charges, and help you fight them to get your money back.

Why do people get charges like this from Universal?

Subscriptions - Many users report being charged for recurring subscriptions they signed up for, such as streaming services or other memberships offered by Universal.
One-time Purchases - Charges may occur due to one-time purchases, such as movie rentals, merchandise, or digital content.
In-app Purchases - Some apps linked to Universal may have in-app purchases that can result in unexpected charges.
Free Trials - Users often mention being charged after a free trial period ended, particularly if they forgot to cancel the subscription.
Unauthorized Charges - Reports of unauthorized charges or billing errors are also common, leading to confusion among customers.
Family Sharing Plans - If using family sharing, charges may appear due to purchases made by others in the group.
Account Mix-ups - Users have experienced charges due to logging into the wrong account or mistakenly associating their payment information with the wrong service.

If I see this charge, what should I do?

If you see this charge and aren’t expecting it, you have various options.

First, try to contact the universal1.com via one of the support methods we listed below and inquire about the charge. See if they will refund it and cancel any associated subscriptions you might have.

If the universal1.com refused to issue a refund or you cannot get in touch with the company, call your bank or financial institution and open a credit card dispute. Record screenshot evidence from your prior conversations with universal1.com, and use that to open your credit card dispute. Tell your bank or credit card issuer that you do not recognize the charge and do not recall signing up for the service.

If this sounds like too much of a hassle, you can have Chargeback do it for you.

Universal Customer Service Info

If you need assistance, here's how you can get in touch with Universal's support team.

Phone

1-800-864-8370

support@universal1.com

Site

https://www.universal1.com/contact

Disclaimer

Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.

The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.

Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.

Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company’s terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.

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What other ways do charges from Universal show up?

UNIVERSAL1 1PASSWORD 1PASSWORD-DDA 1PASSWORD-DDA-PIN 1PASSWORD-DDA-PIN-POS 1PASSWORD-DDA-PIN-POS-PUR 1PASSWORD-DDA-PIN-POS-PUR-CD2887 1PASSWORD-DDA-PIN-POS-PUR-CD2887-123 1PASSWORD-DDA-PIN-POS-PUR-CD2887-123-MAIN-ST 1PASSWORD-DDA-PIN-POS-PUR-CD2887-123-MAIN-ST-XXXXXXXXXXXX

The Easiest Way to Cancel Universal

If you're frustrated trying to cancel your subscription, membership, or bill from Universal—or if you didn't even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we'll take care of the rest.