CFPB Consumer Complaint Profile
Universal Lending Corp.
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 11
- Total complaints
- Below average
- 0
- Last 12 months
- 90.9%
- Timely response
- Bottom quartile
- 2
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Universal Lending Corp. sits at #3589. For answering complaints on time it stands at the 19th percentile in the 100+ complaint peer group.
- Mortgage
- most-complained product
- CO
- state with the most 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 Lending Corp. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
90.9% Among the lowest higher than 19% 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
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 1 |
| 2014 | 1 |
| 2015 | 2 |
| 2016 | 2 |
| 2018 | 1 |
| 2020 | 1 |
| 2021 | 1 |
| 2022 | 1 |
| 2023 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Universal Lending Corp.
The CFPB Consumer Complaint Database shows a geographically concentrated complaint footprint for Universal Lending Corp., with consumers across the country filing against it. The single largest complaint category is "Mortgage," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Application, originator, mortgage broker," a reasonable starting point for understanding recurring friction.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate sits below the 95% industry benchmark, a gap that tends to correlate with higher consumer dispute rates downstream. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Universal Lending Corp.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (33.3% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Universal Lending Corp. have?
The CFPB has logged 11 complaints against Universal Lending Corp. to date, of which 0 came in over the last 12 months.
Does Universal Lending Corp. respond to complaints on time?
Universal Lending Corp. has a 90.9% timely response rate to CFPB complaints.
What product generates the most complaints for Universal Lending Corp.?
The most complained-about product for Universal Lending Corp. is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Universal Lending Corp.?
The most common issue reported by consumers about Universal Lending Corp. is "Application, originator, mortgage broker." All complaint issues are listed above with their counts.
How do I file a complaint against Universal Lending Corp.?
You can file a complaint against Universal Lending Corp. 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 Lending Corp.?
Universal Lending Corp. has drawn CFPB complaints from 2 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.