Debt collection
Universal Recovery debt collection complaints
Consumers have filed 139 complaints about Universal Recovery's debt collection, 1 in the last 12 months. Universal Recovery answered 0% on time and closed - with relief. See the whole Universal Recovery record.
Universal Recovery 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 Recovery | 1 | 0% | - |
Latest Universal Recovery debt collection complaints
| 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 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 |
| Nov 27, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 10, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Aug 23, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 24, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 6, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 28, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 14, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Money back |
| May 11, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Apr 30, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 19, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 8, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 5, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 27, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 6, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 5, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 13, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 18, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 16, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 13, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 17, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 9, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 6, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | 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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