What is the most common complaint against Universal Payment Corporation?

The most common issue consumers report about Universal Payment Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 26 complaints filed with the CFPB.

Are complaints against Universal Payment Corporation increasing or decreasing?

Complaints against Universal Payment Corporation are rising. The company received 8 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Universal Payment Corporation's reputation grade?

Universal Payment Corporation has a reputation grade of F (score: 25.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Universal Payment Corporation respond to consumer complaints?

Universal Payment Corporation has a 11% timely response rate to CFPB complaints.

In how many states does Universal Payment Corporation operate?

Universal Payment Corporation has received CFPB complaints from consumers in 12 states, with the most complaints from Georgia (6 complaints).

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

Universal Payment Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

17
Written notification about debt

4
Took or threatened to take negative or legal action

2
False statements or representation

2
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record universal-payment-corporation Universal Payment Corporation

Grade F · 26 CFPB filings · 11% timely · lead issue: Attempts to collect debt not owed · vol #1689 · compose #5251

VOL 26
GRADE F
12MO 8
STATES 12
TIMELY 11%
ISSUE Attempts to collect debt n…
RANK #1,689
COMPOSE #5,251

Volume peers

Nearest volume peer: Accelerated Collection Service, Inc (26 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Universal Payment Corporation's 26 CFPB complaints sit next to Accelerated Collection Service, Inc 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 →

Spiky monthly series

Georgia is the plurality state for Universal Payment Corporation (23.1%)

The 2025-06 spike coincides with a 3,562-place gap between volume rank #1,689 and composite #5,251. Corpus placement method.

Plurality state: Georgia 23.1%; Mid-band (15–30%) · 12 states with ≥1 filing
Spike month: 2025-06 16.7%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,689 volume; #5,251 composite; Cleanest-composite ladder is 3,562 places worse than volume

How does Universal Payment Corporation compare to its peers?

How does Universal Payment 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 Payment Corp… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

11%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-07 2025-12

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	17
Written notification about debt	4
Took or threatened to take negative or legal action	2
False statements or representation	2
Communication tactics	1

Where do complaints against Universal Payment Corporation come from?

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

Georgia

6
Texas

6
New Jersey

4
Florida

2
California

1
Mississippi

1
Missouri

1
New York

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Universal Payment 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: 26.

4 peers

Know your rights before responding to Universal Payment 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.