Total CFPB complaints
10
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 10 complaints
Universal Envoy Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Universal Envoy Corporation
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Electronic communications 1
Electronic communications
1 complaints
D
Grade D · 58.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Universal Envoy Corporation?
Universal Envoy Corporation has accumulated 10 total CFPB complaints across 3 states, with 1 filed in the most recent 12 months against 9 historical complaints before that window. The trailing-12-month volume represents 10.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 80% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 3 states, led by Maryland with 7 and Tennessee with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.5/100 places Universal Envoy Corporation in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
10.0% of total history
Stable →
States active
3
Distinct state filings
Timely response rate
80%
Within CFPB SLA window
Reputation grade
D
58.5/100 composite
Response-quality profile
How Universal Envoy Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 80.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Universal Envoy Corporation compare to its peers?
Universal Envoy Corpor… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2021-04 2025-04
Top Consumer Issues
Took or threatened to take negative or legal action4 (%)
Attempts to collect debt not owed3 (%)
Written notification about debt1 (%)
False statements or representation1 (%)
Electronic communications1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Electronic communications | Frequent or repeated messages | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
Where do complaints against Universal Envoy Corporation come from?
The states where consumers have filed the most CFPB complaints against Universal Envoy Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Universal Envoy Corporation
Across 3 states with at least one filing
- Maryland
Maryland
7 complaints
- Tennessee 2
Tennessee
2 complaints
- Florida 1
Florida
1 complaints
Frequently Asked Questions
What is the most common complaint against Universal Envoy Corporation? ▼
The most common issue consumers report about Universal Envoy Corporation is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 10 complaints filed with the CFPB.
Are complaints against Universal Envoy Corporation increasing or decreasing? ▼
Complaints against Universal Envoy Corporation have been stable. The company received 1 complaints in the last 12 months.
What is Universal Envoy Corporation's reputation grade? ▼
Universal Envoy Corporation has a reputation grade of D (score: 58.5/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Universal Envoy Corporation respond to consumer complaints? ▼
Universal Envoy Corporation has a 80% timely response rate to CFPB complaints.
In how many states does Universal Envoy Corporation operate? ▼
Universal Envoy Corporation has received CFPB complaints from consumers in 3 states, with the most complaints from Maryland (7 complaints).
What can I do if Universal Envoy Corporation is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Universal Envoy Corporation violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |