Universal Recovery Corporation
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Other debt
CFPB collection forwarding receipt
Forwarded record DC-UNIVERSAL-RECOVERY Universal Recovery Corporation
138 DC complaints · rank #508/656 · 59.1% timely
- DC 138
- RANK #508/656
- TIMELY 59.1%
- RELIEF 2.4%
- DISPUTE 23.5%
- STATES 13
- ISSUE Attempts to collect debt no…
- RESP Closed with explanation
- PHOTO Merchants Credit Corporation
Volume peers
Photo peer: Merchants Credit Corporation (138)
Universal Recovery Corporation's 138 debt-collection complaints sit next to Merchants Credit Corporation (138) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Universal Recovery Corporat… →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
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)
What the CFPB Record Shows for Universal Recovery Corporation
According to the CFPB Consumer Complaint Database as aggregated by PlainCredit, Universal Recovery Corporation ranks #508 of 656 debt collectors by debt-collection complaint volume (23rd percentile), using the same dc_complaints sort as the Collectors directory. 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.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Full complaint profile for Universal Recovery Corporation → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for Universal Recovery Corporation: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.
Similar complaint volume
Nearest collectors by debt-collection complaint count (138 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (23.5% here).
Frequently asked questions
How many CFPB debt-collection complaints does Universal Recovery Corporation have?
Universal Recovery Corporation has 138 debt-collection complaints in the CFPB Consumer Complaint Database, ranking #508 of 656 collectors by that volume.
Does Universal Recovery Corporation respond to CFPB complaints on time?
CFPB complaints against Universal Recovery Corporation show a 59.1% timely-response rate.
What issue do consumers cite most about Universal Recovery Corporation?
The most-cited issue in complaints about Universal Recovery Corporation is "Attempts to collect debt not owed."
How should I read Universal Recovery Corporation's CFPB complaint record?
Universal Recovery Corporation's profile is a CFPB data extract for research. For rights and filing mechanics, use the debt-collection rights and how-to-file-CFPB-complaint guides on this site.
Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data
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.