CFPB Consumer Complaint Profile
Universal Recovery Corporation
Consumers have filed 164 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
- 164
- Total complaints
- Mid-range
- 1
- Last 12 months
- 59.1%
- Timely response
- Bottom decile
- 13
- States affected
The verdict
164 CFPB complaints put Universal Recovery Corporation at #1044 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 59.1%, the 4th percentile among companies with 100+ complaints.
- #1044
- of 3,843 companies by volume
- 59.1%
- on time (4th pctile)
- Debt collection
- most-complained product
- 13
- states with complaints
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 Recovery Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
59.1% Among the lowest higher than 4% 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 25 in 2024 to 7 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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)
Company Responses
What the CFPB Complaint Record Shows for Universal Recovery Corporation
164 complaints against Universal Recovery Corporation appear in the CFPB record, including 1 from the trailing year. The 13 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. 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.
CFPB-forwarded complaints against Universal Recovery Corporation draw a 59.1% reply rate inside the Bureau's 15-day window. 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. Resolved cases drew a formal consumer-dispute rate of 23.5% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 2.4%.
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 Recovery Corporation have?
Universal Recovery Corporation has 164 total consumer complaints filed with the CFPB, with 1 filed in the last 12 months.
Does Universal Recovery Corporation respond to complaints on time?
CFPB complaints against Universal Recovery Corporation draw a 59.1% timely-response rate inside the expected window. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Universal Recovery Corporation?
The most complained-about product for Universal Recovery Corporation is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Universal Recovery Corporation?
The most common issue reported by consumers about Universal Recovery 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 Recovery Corporation?
You can file a complaint against Universal Recovery 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 Recovery Corporation?
The CFPB has recorded complaints against Universal Recovery Corporation from 13 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Universal Recovery Corporation: 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 (23.5% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.