CFPB · Single-product concentration
Universal Recovery Corporation
165 CFPB complaints · 84.2% in "Debt collection" · top issue Attempts to collect debt not owed.
Universal Recovery Corporation: 84.2% of 165 CFPB complaints sit in "Debt collection". Timely 58.8% · relief 2.4%. Allegations, not findings.
- Single-product concentration
- -95% filings 2015 to 2026
CFPB relief outcome brief
CCDB company universal-recovery-corporation
2.4% relief · 58.8% timely · 165 filings · Debt collection
Same-product relief peers
Nearest relief peer: 2288984 Ontario Inc. (2.4% relief)
Universal Recovery Corporation closes 2.4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Universal Recovery Corporation's 165 filings include narrative text
44.8% 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 Recovery Corporation complaint mix by product
- Debt collection 139 84.2% – 3% relief
- Credit reporting, 15 9.1% – 0% relief
- Credit reporting 9 5.5% – 0% relief
- Bank account 1 0.6% – 0% relief
- Consumer Loan 1 0.6% – 0% relief
How Universal Recovery Corporation's 165 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 139 |
| Credit reporting, credit repair services, or other personal consumer reports | 15 |
| Credit reporting or other personal consumer reports | 9 |
| Bank account or service | 1 |
| Consumer Loan | 1 |
Concentrated filing states for Universal Recovery Corporation
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 77.6% of this company's filings
Universal Recovery Corporation falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -95% vs 2015
Top States
| State | Complaints |
|---|---|
| CA | 128 |
| FL | 17 |
| TX | 4 |
| GA | 2 |
| AZ | 2 |
| NY | 2 |
| NC | 1 |
| AR | 1 |
| KY | 1 |
| VA | 1 |
| PA | 1 |
| NV | 1 |
| NE | 1 |
| NJ | 1 |
Top Issues
| 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 |
| Communication tactics | 10 |
| Took or threatened to take negative or legal action | 10 |
| Incorrect information on your report | 10 |
| Improper use of your report | 8 |
| Disclosure verification of debt | 8 |
| Problem with a credit reporting company's investigation into an existing problem | 4 |
| Problem with a company's investigation into an existing problem | 2 |
| Improper contact or sharing of info | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Taking/threatening an illegal action | 1 |
| Making/receiving payments, sending money | 1 |
| Problems when you are unable to pay | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 20 | 15% |
| 2016 | 9 | 33.3% |
| 2017 | 20 | 40% |
| 2018 | 17 | 35.3% |
| 2019 | 7 | 0% |
| 2020 | 13 | 92.3% |
| 2021 | 10 | 80% |
| 2022 | 15 | 100% |
| 2023 | 21 | 85.7% |
| 2024 | 25 | 80% |
| 2025 | 7 | 57.1% |
| 2026 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Universal Recovery Corporation filings cluster in one product
Universal Recovery Corporation's 165 logged complaints stay concentrated: only 14 states show a filing. 44.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2026-03-30.
Universal Recovery Corporation answers 58.8% of complaints inside the CFPB's tracked window and closes 93.9% with a written explanation. 2.4% 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 Recovery Corporation.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Universal Recovery 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: 165.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 58.8%.
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 Recovery Corporation (58.8% timely; 2.4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration