Debt collection
Universal Fidelity debt collection complaints
Consumers have filed 78 complaints about Universal Fidelity's debt collection, 1 in the last 12 months. Universal Fidelity answered 100% on time and closed 0% with relief. See the whole Universal Fidelity record.
Universal Fidelity against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Universal Fidelity | 1 | 100% | 0% |
Latest Universal Fidelity debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 9, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Nov 3, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 29, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 2, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 16, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 12, 2025 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Jan 7, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 12, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 20, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 15, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Feb 25, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 18, 2023 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Aug 29, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 4, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jun 14, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 21, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 11, 2022 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 19, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 2, 2021 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 18, 2020 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 8, 2020 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 17, 2020 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 17, 2020 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 25, 2020 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 4, 2019 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Aug 22, 2019 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 21, 2019 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Nov 30, 2018 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Sep 5, 2018 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 4, 2018 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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