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Data / Consumer complaints / Universal Payment Corporation

Universal Payment Corporation: 36 CFPB complaints

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Updated November 10, 2026. Source: CFPB Consumer Complaint Database.

Universal Payment Corporation drew 36 consumer complaints in the CFPB database in the three years to November 9, 2026, and 62 since 2021. The largest group, 19, was about credit reporting or other personal consumer reports, and the most common issue was “Attempts to collect debt not owed” with 8. The company responded on time to 0.0% of the complaints, and 0.0% closed with monetary or other relief.

The request: Watch Universal Payment Corporation: each new CFPB complaint by product and issue, with the date and the company response. $10 of credit on sign-up, no card.

Watch this company's complaintsGet every credit reporting or other personal consumer reports companyGet credit reporting or other personal consumer reports in Georgia

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 36Complaints, last 3 years
  • 62Complaints, all years
  • 0.0%Responded on time
  • 0.0%Closed with relief
  • 4Products
  • Jul 2, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 95
202522
20248
202312
20227
20218

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Credit reporting or other personal consumer reports1952.8%
Debt collection1541.7%
Debt or credit management12.8%
Vehicle loan or lease12.8%

Issues

IssueComplaintsShare
Attempts to collect debt not owed822.2%
Improper use of your report719.4%
Incorrect information on your report616.7%
Problem with a company's investigation into an existing problem616.7%
Written notification about debt38.3%
Took or threatened to take negative or legal action25.6%
Communication tactics12.8%
False statements or representation12.8%
Problem with customer service12.8%
Problems at the end of the loan or lease12.8%

How the company responded

Company responseComplaintsShare
Untimely response36100%

States

StateComplaintsShare
Georgia1027.8%
Texas925%
California38.3%
Florida25.6%
Nevada25.6%
Pennsylvania25.6%
Illinois12.8%
Maryland12.8%
Mississippi12.8%
North Carolina12.8%
New York12.8%
Ohio12.8%
Tennessee12.8%
Washington12.8%

Latest 36 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
July 2, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
February 26, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemUntimely responseconsumerfinance.gov
February 8, 2026Credit reporting or other personal consumer reportsImproper use of your reportUntimely responseconsumerfinance.gov
January 21, 2026Credit reporting or other personal consumer reportsImproper use of your reportUntimely responseconsumerfinance.gov
January 10, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
December 29, 2025Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
December 29, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemUntimely responseconsumerfinance.gov
December 27, 2025Vehicle loan or leaseProblems at the end of the loan or leaseUntimely responseconsumerfinance.gov
December 24, 2025Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
December 17, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemUntimely responseconsumerfinance.gov
October 29, 2025Debt collectionFalse statements or representationUntimely responseconsumerfinance.gov
October 21, 2025Debt collectionCommunication tacticsUntimely responseconsumerfinance.gov
October 1, 2025Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
September 9, 2025Credit reporting or other personal consumer reportsImproper use of your reportUntimely responseconsumerfinance.gov
September 9, 2025Credit reporting or other personal consumer reportsImproper use of your reportUntimely responseconsumerfinance.gov
August 7, 2025Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
August 5, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
July 31, 2025Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
July 25, 2025Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
July 14, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemUntimely responseconsumerfinance.gov
June 26, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemUntimely responseconsumerfinance.gov
May 19, 2025Credit reporting or other personal consumer reportsImproper use of your reportUntimely responseconsumerfinance.gov
April 30, 2025Debt or credit managementProblem with customer serviceUntimely responseconsumerfinance.gov
April 29, 2025Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
April 22, 2025Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
March 26, 2025Credit reporting or other personal consumer reportsImproper use of your reportUntimely responseconsumerfinance.gov
March 17, 2025Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
September 15, 2024Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
August 30, 2024Credit reporting or other personal consumer reportsImproper use of your reportUntimely responseconsumerfinance.gov
August 28, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
August 3, 2024Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemUntimely responseconsumerfinance.gov
July 28, 2024Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
July 22, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
June 6, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportUntimely responseconsumerfinance.gov
May 24, 2024Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
December 18, 2023Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov

Also on SpecStream

Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.