Credit bureau · complaint record
Universal Payment complaints
Filed under Universal Payment Corporation
Consumers have filed 62 complaints about Universal Payment since 2021, 10 of them in the last 12 months (-41% on the year before). It answered 0% on time and closed 25% with relief for the customer. The most common problem is problem with a company's investigation into an existing problem.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 62
- Last 12 months
- 10
- Answered on time
- 0%
- Closed with relief
- 25%
- Last 30 days
- 0
- Rank
- #197 of 566
Since February 2021
-41% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Jul 2, 2026
Most complained-about credit bureaus & report companies
Universal Payment complaints by month
The busiest month was December 2025 (5 complaints). Complaints in the last 12 months are down 41% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Universal Payment answered all time
- Closed with non-monetary relief11.6%
- Closed with explanation34.8%
- Untimely response5893.5%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Universal Payment complaints are about
Top Universal Payment problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 11
- Debt was result of identity theft 4
- Debt was paid 2
Where Universal Payment complaints come from
Most complaints: Georgia (14), Texas (12), New Jersey (7), California (6), Pennsylvania (4).
Universal Payment compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | Universal PaymentCredit reporting | - | 10 | - |
Compare side by side: Universal Payment vs Apple Financing · Universal Payment vs Nav Technologies · Universal Payment vs Opportunity Fund · Universal Payment vs Heritage Financial Group
What people say about Universal Payment
All experiencesNo experiences with Universal Payment yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Universal Payment complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 2, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | No timely reply |
| Feb 26, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | No timely reply |
| Feb 8, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Jan 21, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Jan 10, 2026 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | No timely reply |
| Dec 29, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Dec 29, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | No timely reply |
| Dec 27, 2025 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | No timely reply |
| Dec 24, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Dec 17, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | No timely reply |
| Oct 29, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Oct 21, 2025 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | No timely reply |
Questions about Universal Payment
How many complaints does Universal Payment have?
Universal Payment has 62 complaints on record since February 2021, including 10 in the last 12 months and 0 in the last 30 days. That makes it number 1,447 of every company by complaints this year.
Does Universal Payment respond to complaints?
Yes. Universal Payment answered 0% of its complaints on time (within 15 days) and closed 25% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Universal Payment?
The most common problems are problem with a company's investigation into an existing problem (7), attempts to collect debt not owed (17), incorrect information on your report (14).
Is Universal Payment legit?
Universal Payment is a real company with a public complaint record: consumers have complained about it 62 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Universal Payment legit? for the signals, red flags and how to protect yourself.
Are complaints about Universal Payment going up or down?
Down. There were 10 complaints in the last 12 months against 17 in the 12 before (-41%). See every month.
How do I file a complaint against Universal Payment?
Complain to Universal Payment in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Universal Payment complaints come from?
Most come from Georgia (14), Texas (12), New Jersey (7). Big states file more complaints, so the map shows complaints per 100,000 people.
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
Talk about Universal Payment
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