This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 10 complaints

Universal Envoy Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade D.

Complaints by issue type

What consumers report about Universal Envoy Corporation

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record universal-envoy-corporation Universal Envoy Corporation

Grade D · 10 CFPB filings · 80% timely · lead issue: Took or threatened to take negative or legal action

  • VOL 10
  • GRADE D
  • 12MO 0
  • STATES 3
  • TIMELY 80%
  • ISSUE Took or threatened to take…
  • RANK #2,550
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: 208 Capital Holdings LLC (10 complaints)

208 Capital Holdings LLC208 Capital Holdings LLC10Adesa CorporationAdesa Corporation10Allied Capital Management, Inc.Allied Capital Management, I…10Allied Financial Group & Associates (Closed)Allied Financial Group & Ass…10Universal Envoy Corporation (this)Universal Envoy Corporation …10
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Universal Envoy Corporation's 10 CFPB complaints sit next to 208 Capital Holdings LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 10 complaints break down

Every complaint issue type on record for Universal Envoy Corporation, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.6/100
Universal Envoy Corporation

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume C
10
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
80%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

70.0% of Universal Envoy Corporation's CFPB filings land in Maryland

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Maryland 70.0%
7 of 10 filings · 3 states touched
Spike month
2014-02 33.3%
1 filings that month · spiky (≥15% of series)
Corpus ranks
#2,550 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Universal Envoy Corporation compare to its peers?

How does Universal Envoy Corporation compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Universal Envoy Corporation National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
80%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Universal Envoy Corporation a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 6 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%50%100%150% Timely response rate (%) Dispute rate (%) Universal Envoy Corporation vs. 6 similar-volume peers, by response speed and dispute rate United Portfolio Corp.Western Collection Bureau, Inc.Tiburon Financial, LLCWright & Lerch Attorneys At LawThe Law Firm of Krisor & AssociatesZeller & Associates, LLC
Source: CFPB Consumer Complaint Database

Universal Envoy Corporation's complaint volume in context

Universal Envoy Corporation vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

10 53rd percentile higher than 53% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Universal Envoy Corporation 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2014-02 2017-10

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
4
Attempts to collect debt not owed
3
Written notification about debt
1
False statements or representation
1
Electronic communications
1

Where do complaints against Universal Envoy Corporation come from?

Universal Envoy Corporation's own per-state count, not a national baseline.

Top states by complaints against Universal Envoy Corporation

Across 3 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Universal Envoy Corporation: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 10.

4 peers

Know your rights before responding to Universal Envoy Corporation: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.