Universal Recovery Corporation
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Other debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 20 |
| 2016 | 9 |
| 2017 | 20 |
| 2018 | 17 |
| 2019 | 7 |
| 2020 | 13 |
| 2021 | 10 |
| 2022 | 15 |
| 2023 | 21 |
| 2024 | 25 |
| 2025 | 7 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Universal Recovery Corporation
138 debt-collection complaints against Universal Recovery Corporation appear in the CFPB record - 84.1% of the 164 complaints filed about this entity. The 13 states and territories represented make this a geographically focused operation by complaint volume. Consumers most frequently describe "Other debt" as the debt type behind their complaint about this collector. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
59.1% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That is materially below the 95% benchmark, persistently late responses are among the strongest predictors of CFPB supervisory action against debt collectors. Among resolved cases, 2.4% ended with monetary or non-monetary relief to the consumer - a notably low rate worth weighing against the dispute percentage. In 23.5% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Universal Recovery Corporation have?
Universal Recovery Corporation has 138 debt collection complaints filed with the CFPB, representing 84.1% of all complaints against this company.
Does Universal Recovery Corporation respond to complaints on time?
59.1% of the CFPB complaints against Universal Recovery Corporation get a response within the expected window. That trails the 95% industry benchmark by a wide margin.
Does Universal Recovery Corporation provide relief to consumers?
2.4% of resolved complaints against Universal Recovery Corporation were closed with some form of consumer relief (monetary or non-monetary).
What type of debt does Universal Recovery Corporation primarily collect?
Based on CFPB complaint records, Universal Recovery Corporation's primary debt type is "Other debt"; the complete breakdown is shown above.
What rights do I have against Universal Recovery Corporation?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Universal Recovery Corporation active?
Consumers in 13 states and territories have filed CFPB complaints against Universal Recovery Corporation.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.