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 |
|---|---|---|---|
| Apr 13, 2023 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Apr 12, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 10, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 13, 2023 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Mar 12, 2023 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Mar 10, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 26, 2023 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Feb 23, 2023 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Feb 13, 2023 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Feb 9, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 6, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 7, 2022 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 31, 2022 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 25, 2022 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 20, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 19, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 12, 2022 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 22, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 29, 2022 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Apr 27, 2022 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 18, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 11, 2022 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| Oct 26, 2021 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 12, 2021 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 31, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 23, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 9, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 30, 2021 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 2, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 9, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | 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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