CFPB · Narrative-heavy record
Universal Payment Corporation
61 CFPB complaints · 45.9% with narratives · top issue Attempts to collect debt not owed.
Universal Payment Corporation: 45.9% of 61 filings include consumer narratives. Timely 6.6% · relief 1.6% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- -50% filings 2021 to 2026
CFPB relief outcome brief
CCDB company universal-payment-corporation
1.6% relief · 6.6% timely · 61 filings · Debt collection
Same-product relief peers
Nearest relief peer: Colony Brands, Inc. (1.6% relief)
Universal Payment Corporation closes 1.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Universal Payment Corporation's 61 filings include narrative text
45.9% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Universal Payment Corporation complaint mix by product
- Debt collection 26 42.6% – 4% relief
- Credit reporting 20 32.8% – 0% relief
- Credit reporting, 12 19.7% – 0% relief
- Payday loan, 1 1.6% – 0% relief
- Debt or 1 1.6% – 0% relief
- Vehicle loan 1 1.6% – 0% relief
How Universal Payment Corporation's 61 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 26 |
| Credit reporting or other personal consumer reports | 20 |
| Credit reporting, credit repair services, or other personal consumer reports | 12 |
| Payday loan, title loan, or personal loan | 1 |
| Debt or credit management | 1 |
| Vehicle loan or lease | 1 |
Where Universal Payment Corporation complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 23% of this company's filings
Universal Payment Corporation falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 4
- -50% vs 2021
Top States
| State | Complaints |
|---|---|
| GA | 14 |
| TX | 12 |
| NJ | 7 |
| CA | 5 |
| PA | 4 |
| FL | 3 |
| NY | 2 |
| NV | 2 |
| IL | 2 |
| RI | 2 |
| TN | 1 |
| NC | 1 |
| OH | 1 |
| MS | 1 |
| WA | 1 |
| MD | 1 |
| MO | 1 |
| AL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 17 |
| Incorrect information on your report | 13 |
| Improper use of your report | 10 |
| Problem with a company's investigation into an existing problem | 7 |
| Written notification about debt | 4 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Took or threatened to take negative or legal action | 2 |
| False statements or representation | 2 |
| Problem with customer service | 1 |
| Communication tactics | 1 |
| Problems at the end of the loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2021 | 8 | 50% |
| 2022 | 7 | 0% |
| 2023 | 12 | 0% |
| 2024 | 8 | 0% |
| 2025 | 22 | 0% |
| 2026 | 4 | 0% |
Source: CFPB Consumer Complaint Database
Universal Payment Corporation's narrative-rich complaint ledger
Universal Payment Corporation's 61 logged complaints stay concentrated: only 18 states show a filing. 45.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2021 through 2026-02-26.
Universal Payment Corporation answers 6.6% of complaints inside the CFPB's tracked window and closes 4.9% with a written explanation. 1.6% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Universal Payment Corporation.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Universal Payment Corporation: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 61.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 6.6%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Universal Payment Corporation (6.6% timely; 1.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record