Debt collector · complaint record
Universal Recovery complaints
Filed under Universal Recovery Corporation
Consumers have filed 165 complaints about Universal Recovery since 2015, 1 of them in the last 12 months (-92% on the year before). It answered 0% on time and closed 2% with relief for the customer. The most common problem is took or threatened to take negative or legal action.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 165
- Last 12 months
- 1
- Answered on time
- 0%
- Closed with relief
- 2%
- Last 30 days
- 0
- Rank
- #1,510 of 1,963
Since January 2015
-92% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Mar 30, 2026
Most complained-about debt collectors
Universal Recovery complaints by month
The busiest month was September 2020 (5 complaints). Complaints in the last 12 months are down 92% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Universal Recovery answered all time
- Closed with monetary relief10.6%
- Closed with non-monetary relief31.8%
- Closed with explanation15593.9%
- Closed31.8%
- Untimely response31.8%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Universal Recovery complaints are about
Top Universal Recovery problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 27
- Debt was result of identity theft 10
- Debt was paid 8
- Debt was already discharged in bankruptcy and is no longer owed 3
Where Universal Recovery complaints come from
Most complaints: California (128), Florida (17), Texas (4), Arizona (2), New York (2).
Universal Recovery compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Universal RecoveryDebt collection | - | 1 | - |
Compare side by side: Universal Recovery vs Green Square · Universal Recovery vs EMoneyUSA · Universal Recovery vs Mullooly Jeffrey Rooney & Flynn · Universal Recovery vs Credit World Services
What people say about Universal Recovery
All experiencesNo experiences with Universal Recovery yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Universal Recovery complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Mar 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | No timely reply |
| Apr 27, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Mar 18, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 17, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Feb 17, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Feb 7, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 27, 2025 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Jan 23, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 31, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 18, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 28, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 27, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about Universal Recovery
How many complaints does Universal Recovery have?
Universal Recovery has 165 complaints on record since January 2015, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Universal Recovery respond to complaints?
Yes. Universal Recovery answered 0% of its complaints on time (within 15 days) and closed 2% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Universal Recovery?
The most common problems are took or threatened to take negative or legal action (10), attempts to collect debt not owed (48), written notification about debt (31).
Is Universal Recovery legit?
Universal Recovery is a real company with a public complaint record: consumers have complained about it 165 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Universal Recovery legit? for the signals, red flags and how to protect yourself.
Are complaints about Universal Recovery going up or down?
Down. There were 1 complaints in the last 12 months against 12 in the 12 before (-92%). See every month.
How do I file a complaint against Universal Recovery?
Complain to Universal Recovery 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 Recovery complaints come from?
Most come from California (128), Florida (17), Texas (4). 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 Recovery
No comments yet. Start the conversation - questions are welcome too.