CFPB Consumer Complaint Profile
Universal Payment Corporation
Behind the 60 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 60
- Total complaints
- Mid-range
- 24
- Last 12 months
- 6.7%
- Timely response
- Bottom decile
- 18
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Universal Payment Corporation sits at #1675, with 60 complaints logged. Its on-time response rate is 6.7%, the 1st percentile among companies with 100+ complaints.
- #1675
- of 3,843 companies by volume
- 6.7%
- on time (1st pctile)
- Credit reporting or …
- most-complained product
- 18
- 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 Payment Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
6.7% Among the lowest higher than 1% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 8 in 2024 to 22 in 2025 (2024 → 2025).
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 | 8 |
| 2022 | 7 |
| 2023 | 12 |
| 2024 | 8 |
| 2025 | 22 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Universal Payment Corporation
Universal Payment Corporation carries 60 complaints in the CFPB's database, 24 of them filed within the past 12 months. Consumers spanning 18 states and territories have weighed in, giving this a multi-regional footprint. "Credit reporting or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Universal Payment Corporation posts a 6.7% reply rate on forwarded complaints. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Among resolved complaints, 1.7% closed with some form of monetary or non-monetary relief to the consumer.
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 Payment Corporation have?
Universal Payment Corporation has 60 total consumer complaints filed with the CFPB, with 24 filed in the last 12 months.
Does Universal Payment Corporation respond to complaints on time?
Universal Payment Corporation has a 6.7% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Universal Payment Corporation?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against Universal Payment Corporation than any other product - see the full breakdown above.
What is the most common complaint issue with Universal Payment Corporation?
The most common issue reported by consumers about Universal Payment Corporation is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Universal Payment Corporation?
You can file a complaint against Universal Payment 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 Payment Corporation?
The CFPB has recorded complaints against Universal Payment Corporation from 18 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Universal Payment Corporation have?
Universal Payment Corporation has 60 total consumer complaints filed with the CFPB, with 24 filed in the last 12 months.
Does Universal Payment Corporation respond to complaints on time?
Universal Payment Corporation has a 6.7% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Universal Payment Corporation?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against Universal Payment Corporation than any other product - see the full breakdown above.
What is the most common complaint issue with Universal Payment Corporation?
The most common issue reported by consumers about Universal Payment Corporation is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Universal Payment Corporation?
You can file a complaint against Universal Payment 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 Payment Corporation?
The CFPB has recorded complaints against Universal Payment Corporation from 18 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.