What is the most common complaint against Universal Recovery Corporation?

The most common issue consumers report about Universal Recovery Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 139 complaints filed with the CFPB.

Are complaints against Universal Recovery Corporation increasing or decreasing?

Complaints against Universal Recovery Corporation are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Universal Recovery Corporation's reputation grade?

Universal Recovery Corporation has a reputation grade of F (score: 40.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Universal Recovery Corporation respond to consumer complaints?

Universal Recovery Corporation has a 57% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.

In how many states does Universal Recovery Corporation operate?

Universal Recovery Corporation has received CFPB complaints from consumers in 14 states, with the most complaints from California (110 complaints).

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

Universal Recovery Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

48
Written notification about debt

31
False statements or representation

16
Cont'd attempts collect debt not owed

11
Took or threatened to take negative or legal action

10
Communication tactics

10

Data updated September 2026

CFPB complaint disposition

CCDB record universal-recovery-corporation Universal Recovery Corporation

Grade F · 139 CFPB filings · 57% timely · lead issue: Attempts to collect debt not owed · vol #690 · compose #4902

VOL 139
GRADE F
12MO 1
STATES 14
TIMELY 57%
DISPUTE 25%
ISSUE Attempts to collect debt n…
RANK #690
COMPOSE #4,902

Volume peers

Nearest volume peer: Merchants Credit Corporation (139 complaints)

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

Universal Recovery Corporation's 139 CFPB complaints sit next to Merchants Credit Corporation 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 →

State-heavy filing map

79.1% of Universal Recovery Corporation's CFPB filings land in California

High volume does not equal a clean composite: Universal Recovery Corporation is volume #690 but composite #4,902, while California dominates the geography. Corpus placement method.

Dominant state: California 79.1%; 110 of 139 filings · 14 states touched
Seasonal peak: 2025-10 10.2%; 8–15% band · 31 filings
Divergent corpus ranks: #690 volume; #4,902 composite; Cleanest-composite ladder is 4,212 places worse than volume

How does Universal Recovery Corporation compare to its peers?

How does Universal Recovery 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 Recovery Cor… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

57%

87%

91%

Consumer-dispute ratelower is better

25%

36%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	48
Written notification about debt	31
False statements or representation	16
Cont'd attempts collect debt not owed	11
Took or threatened to take negative or legal action	10
Communication tactics	10
Disclosure verification of debt	8
Threatened to contact someone or share information improperly	2
Improper contact or sharing of info	2
Taking/threatening an illegal action	1

Where do complaints against Universal Recovery Corporation come from?

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

California

110
Florida

12
Texas

3
Georgia

2
New York

2
Arizona

1
Arkansas

1
Kentucky

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Universal Recovery 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: 139.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 57.2463768115942%.

4 peers

Know your rights before responding to Universal Recovery 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.