Debt collection
Universal Payment debt collection complaints
Consumers have filed 26 complaints about Universal Payment's debt collection, 2 in the last 12 months. Universal Payment answered 0% on time and closed - with relief. See the whole Universal Payment record.
Universal Payment 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 Payment | 2 | 0% | - |
Latest Universal Payment debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Dec 29, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Dec 24, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | 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 |
| Oct 1, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | No timely reply |
| Aug 7, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jul 31, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jul 25, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Apr 29, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Apr 22, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Mar 17, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Sep 15, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Jul 28, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| May 24, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | No timely reply |
| Dec 18, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jun 25, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | No timely reply |
| May 20, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Apr 24, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | No timely reply |
| Nov 1, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jul 27, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jul 27, 2022 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Sep 27, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Aug 16, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| May 5, 2021 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Feb 19, 2021 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Feb 6, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | 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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