Total CFPB complaints
78
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 78 complaints
Universal Fidelity LP — Debt Collector Complaint Profile
CFPB complaint profile across 28 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Universal Fidelity LP
- Communication tactics
Communication tactics
19 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
15 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
10 complaints
- Written notification about debt 7
Written notification about debt
7 complaints
- False statements or representation 5
False statements or representation
5 complaints
- Took or threatened to take negative or legal action 4
Took or threatened to take negative or legal action
4 complaints
D
Grade D · 58.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Universal Fidelity LP?
Universal Fidelity LP has accumulated 78 total CFPB complaints across 28 states, with 4 filed in the most recent 12 months against 74 historical complaints before that window. The trailing-12-month volume represents 5.1% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate against a 30% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 28 states, led by New York with 16 and California with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.1/100 places Universal Fidelity LP 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
4
5.1% of total history
Falling ↓
States active
28
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
30%
After company response
Reputation grade
D
58.1/100 composite
Response-quality profile
How Universal Fidelity LP performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 59.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 50.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Universal Fidelity LP compare to its peers?
Universal Fidelity LP 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)
2018-03 2025-11
Top Consumer Issues
Communication tactics19 (%)
Cont'd attempts collect debt not owed15 (%)
Attempts to collect debt not owed10 (%)
False statements or representation5 (%)
Written notification about debt7 (%)
Took or threatened to take negative or legal action4 (%)
Improper contact or sharing of info4 (%)
Disclosure verification of debt3 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 17 |
| Cont'd attempts collect debt not owed | Debt is not mine | 15 |
| Attempts to collect debt not owed | Debt is not yours | 10 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Improper contact or sharing of info | Contacted me after I asked not to | 4 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
Where do complaints against Universal Fidelity LP come from?
The states where consumers have filed the most CFPB complaints against Universal Fidelity LP. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Universal Fidelity LP
Across 28 states with at least one filing
- New York
New York
16 complaints
- California
California
7 complaints
- Florida 6
Florida
6 complaints
- Illinois 5
Illinois
5 complaints
- Texas 5
Texas
5 complaints
- Michigan 4
Michigan
4 complaints
- North Carolina 3
North Carolina
3 complaints
- Arizona 3
Arizona
3 complaints
Frequently Asked Questions
What is the most common complaint against Universal Fidelity LP? ▼
The most common issue consumers report about Universal Fidelity LP is "Communication tactics", specifically "Frequent or repeated calls". This is based on 78 complaints filed with the CFPB.
Are complaints against Universal Fidelity LP increasing or decreasing? ▼
Complaints against Universal Fidelity LP are falling. The company received 4 complaints in the last 12 months, showing improvement over prior periods.
What is Universal Fidelity LP's reputation grade? ▼
Universal Fidelity LP has a reputation grade of D (score: 58.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Universal Fidelity LP respond to consumer complaints? ▼
Universal Fidelity LP has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 30% of cases.
In how many states does Universal Fidelity LP operate? ▼
Universal Fidelity LP has received CFPB complaints from consumers in 28 states, with the most complaints from New York (16 complaints).
What can I do if Universal Fidelity LP 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 Fidelity LP 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 |