Total CFPB complaints
27
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 27 complaints
Universal Payment Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Universal Payment Corporation
- Attempts to collect debt not owed
Attempts to collect debt not owed
17 complaints
- Written notification about debt 4
Written notification about debt
4 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Problem with customer service 1
Problem with customer service
1 complaints
F
Grade F · 28.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Universal Payment Corporation?
Universal Payment Corporation has accumulated 27 total CFPB complaints across 13 states, with 11 filed in the most recent 12 months against 16 historical complaints before that window. The trailing-12-month volume represents 40.7% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 11% 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 13 states, led by Texas with 6 and Georgia with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 28.3/100 places Universal Payment Corporation in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
11
40.7% of total history
Rising ↑
States active
13
Distinct state filings
Timely response rate
11%
Within CFPB SLA window
Reputation grade
F
28.3/100 composite
Response-quality profile
How Universal Payment Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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 23.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Universal Payment Corporation compare to its peers?
Universal Payment Corp… 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)
2021-02 2025-12
Top Consumer Issues
Attempts to collect debt not owed17 (%)
Written notification about debt4 (%)
Took or threatened to take negative or legal action2 (%)
Communication tactics1 (%)
False statements or representation2 (%)
Problem with customer service1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 11 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| False statements or representation | Indicated you were committing crime by not paying debt | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Problem with customer service | — | 1 |
Where do complaints against Universal Payment Corporation come from?
The states where consumers have filed the most CFPB complaints against Universal Payment Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Universal Payment Corporation
Across 13 states with at least one filing
- Texas
Texas
6 complaints
- Georgia
Georgia
6 complaints
- New Jersey
New Jersey
4 complaints
- Florida 2
Florida
2 complaints
- California 1
California
1 complaints
- Tennessee 1
Tennessee
1 complaints
- Missouri 1
Missouri
1 complaints
- New York 1
New York
1 complaints
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 27 complaints filed with the CFPB.
Are complaints against Universal Payment Corporation increasing or decreasing? ▼
Complaints against Universal Payment Corporation are rising. The company received 11 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). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 13 states, with the most complaints from Texas (6 complaints).
What can I do if Universal Payment 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 Payment 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 |