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

Data updated July 2026

F

Grade F · 28.3/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Universal Payment Corporation ranks ahead of 0% of the 5,283 collectors PlainCollector grades - 100% keep a cleaner CFPB record, on 26 all-time complaints and a 11% timely-response rate.

0th pct
reputation rank of 5,283 graded collectors
26
CFPB complaints, all-time
11%
answered inside the CFPB window
8
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Universal Payment Corporation?

Universal Payment Corporation has accumulated 26 total CFPB complaints across 12 states, with 8 filed in the most recent 12 months against 18 historical complaints before that window. The trailing-12-month volume represents 30.8% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 11% timely-response rate.

Complaints have been recorded across 12 states, led by Georgia with 6 and Texas with 6. Normalized against the full CFPB collector database, the reputation score of 28.3/100 places Universal Payment Corporation in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

26

low-volume (CCDB)

Last 12 months

8

30.8% of all-time complaints

Rising ↑

States active

12

regional footprint

Timely response rate

11%

below sla band

Reputation grade

F

28.3/100 composite

How does Universal Payment Corporation's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

28 Bottom 1% higher than 0% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). This entry sits in this band. 30–40: 160 graded collectors (3%). Above this entry. 40–50: 583 graded collectors (11%). Above this entry. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Universal Payment Corporation versus the debt-collection vertical average.

Timely response within SLA 11.1%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 21.4%

Share of US states + territories with at least one filed complaint against this collector.

How does Universal Payment Corporation compare to its peers?

How does Universal Payment Corporation compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Universal Payment Corp… 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.

Complaint Trend (24 months)

2023-07 2025-12

Issue Detail Breakdown

Issue Sub-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

What to do if Universal Payment Corporation contacts you

A grade of F signals how Universal Payment Corporation's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Universal Payment Corporation and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Universal Payment Corporation ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 28.3/100), 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).

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

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.