CFPB Consumer Complaint Profile
Universal Envoy Corporation
Consumers have filed 16 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 16
- Total complaints
- Below average
- 1
- Last 12 months
- 87.5%
- Timely response
- Bottom quartile
- 3
- States affected
The verdict
Universal Envoy Corporation ranks #3154 of 3,843 financial companies by CFPB complaint volume, with 16 complaints on record. On-time replies land at 87.5%, the 14th percentile for the 100+ complaint peer group.
- #3154
- of 3,843 companies by volume
- 87.5%
- on time (14th pctile)
- Debt collection
- most-complained product
- 3
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Universal Envoy Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
87.5% Among the lowest higher than 14% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2021 | 5 |
| 2022 | 1 |
| 2023 | 8 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Universal Envoy Corporation
16 complaints against Universal Envoy Corporation appear in the CFPB record, including 1 from the trailing year. The 3 states and territories represented put this footprint in geographically concentrated territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Took or threatened to take negative or legal action" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Universal Envoy Corporation's timely response rate stands at 87.5%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 12.5% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Universal Envoy Corporation have?
16 complaints have been filed against Universal Envoy Corporation with the CFPB overall - 1 of them in the past year.
Does Universal Envoy Corporation respond to complaints on time?
Universal Envoy Corporation has a 87.5% timely response rate to CFPB complaints.
What product generates the most complaints for Universal Envoy Corporation?
The most complained-about product for Universal Envoy Corporation is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Universal Envoy Corporation?
The most common issue reported by consumers about Universal Envoy Corporation is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.
How do I file a complaint against Universal Envoy Corporation?
You can file a complaint against Universal Envoy Corporation directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Universal Envoy Corporation?
Universal Envoy Corporation has drawn CFPB complaints from 3 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Universal Envoy Corporation have?
16 complaints have been filed against Universal Envoy Corporation with the CFPB overall - 1 of them in the past year.
Does Universal Envoy Corporation respond to complaints on time?
Universal Envoy Corporation has a 87.5% timely response rate to CFPB complaints.
What product generates the most complaints for Universal Envoy Corporation?
The most complained-about product for Universal Envoy Corporation is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Universal Envoy Corporation?
The most common issue reported by consumers about Universal Envoy Corporation is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.
How do I file a complaint against Universal Envoy Corporation?
You can file a complaint against Universal Envoy Corporation directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Universal Envoy Corporation?
Universal Envoy Corporation has drawn CFPB complaints from 3 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.