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

CFPB complaint data Grade F 26 complaints

Universal Payment Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade F.

Complaints by issue type

What consumers report about Universal Payment Corporation

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

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 26
  • GRADE F
  • 12MO 8
  • STATES 12
  • TIMELY 11%
  • ISSUE Attempts to collect debt n…
  • RANK #1,689
  • COMPOSE Not ranked

Volume peers

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

Accelerated Collection Service, IncAccelerated Collection Servi…26Allied Consulting Services LLCAllied Consulting Services L…26BRite Financial Services, Inc.BRite Financial Services, In…26Bryant, Hodge & Associates LLCBryant, Hodge & Associates L…26Universal Payment Corporation (this)Universal Payment Corporatio…26
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 →

How the 26 complaints break down

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

Reputation score breakdown

F
Composite reputation score
25.3/100
Universal Payment 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 D
26
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response F
11%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Spiky monthly series

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

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. 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)
Corpus ranks
#1,689 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Corporation National average
Complaints (last 12 mo)lower is better
8
2
268
Timely-response ratehigher is better
11%
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 Payment Corporation a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 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 0%50%100%150% 0%50%100%150% Timely response rate (%) Dispute rate (%) Universal Payment Corporation vs. 7 similar-volume peers, by response speed and dispute rate Walter Lee & Associates, LLCUnified Global GroupWebster Account Solutions LLCTsarouhis Law Group, LLCWest Bay Acquisitions, LLCWilliam C. Grossman Law, PLLC.Sterling & Associates, LLC
Source: CFPB Consumer Complaint Database

Universal Payment Corporation's complaint volume in context

Universal Payment 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)

26 69th percentile higher than 69% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 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 Payment 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)

Rising ↑
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.

Top states by complaints against Universal Payment Corporation

Across 12 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 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.