Complaints

This profile includes complaints for Universal Payment Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Universal Payment Corporation

  PO Box 2759 Pittsburgh, PA 15230-2759

• 

  Universal Payment Corporation

  PO Box 360432 Wilkinsburg, PA 15221

• 

  Universal Payment Corporation

  931 Penn Ave Fl 6 Pittsburgh, PA 15222-3837

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The Universal Payment Corporation is a fraud and predatory lender. The Invent Help company deals with Universal Payment Corporation. ****** help promised me assistance with getting my invention produced and advertised, also sold to a company. No of that is being done the way it was described to me in initial meeting.Universal Payment Corporation processed payments for Invent Help and payments were started without me knowing.I was told that payments would not start until the invention was sold. No explanation was given to me when I asked for a reason.

  Business Response

  Date: 04/10/2025

  Dear Ms. **************** are in receipt of complaint ID ********

  The complainant signed a Retail Installment Contract on May 11, 2023, agreeing to make the monthly payments. The complainant has an outstanding balance in the amount of $12,347.25. The past due amount as of today is $7204.01. The complainants' last payment was received on August 25, 2023.

  If the complainant needs to discuss details pertaining to the Retail Installment Contract with Universal Payment, the complainant can contact our office directly. The telephone number is ************.

  Universal Payment Corporation is not able to address this complainant's specific statements pertaining to services provided by InventHelp.

  Sincerely,

  ******* ****

  Manager

   

• Initial Complaint

  Date:08/03/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After reviewing my credit report. i've discovered a couple of discrepancies in billing that need urgent attention. These inconsistencies highlight a significant failure in the creditor's mangement of my account. it's my right as a consumer to recieve a credit report that is alwys 100% accurate. Also, the unauthorized inquiry was made eithout my authorization an has not benefited me. Therefore, they should not be included in my information.I know this is a violation of the FCRA and FDCPA so they must

  Business Response

  Date: 08/07/2024

  Dear *** ******,

  We are in receipt of complaint ID ********.

  The complainant signed a Retail Installment Contract on March 9, 2019, agreeing to make the monthly payments. The complainant has an outstanding balance of $351.71.

  If the complainant needs to discuss the details pertaining to the Retail Installment Contract with Universal Payment, the complainant can contact our office directly. The telephone number is 412-338-5240.

  We look forward to hearing from the complainant to assist them with this matter.

  Sincerely,

  Deborah L***

  Manager

   

• Initial Complaint

  Date:03/01/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In 2017, i was pressured into signing up with InventHelp for an invention I wasn’t sure I wanted to do. Absolutely nothing positive was done on my behalf. I got mailings about trade shows but thats it. It never moved forward at all. Then I hear of the class action lawsuit and they took maybe $1500 off the loan. I cannot trade out of my car nor purchase a house because of the SCAM they are running its hindering my credit. It’s not fair so many ppl were screwed over. The least they could do is delete it off your credit. I want no parts of this SCAM and will consider having my attorney file suit in order to do so

  Customer Answer

  Date: 03/07/2024

  My compliant is with Universal Payment Corporation and that is on ALL three of my credit reports and hindering me from purchasing a car that I desperately need. It’s unfair that are collecting for a company who was involved in a class action lawsuit and screwed many ppl over.
  

  
  

  Business Response

  Date: 03/11/2024

  Dear *** ******,

  We are in receipt of complaint ID ********.

  The complainant signed a Retail Installment Contract on February 22, 2018, agreeing to make the monthly payments. The complainant has an outstanding balance in the amount of $5326.42.

  If the complainant needs to discuss details pertaining to the Retail Installment Contract with Universal Payment, the complainant can contact our office directly. The telephone number is 412-338-5240.

  Universal Payment Corporation is not able to address this complainant's specific statements pertaining to service provided by InventHelp. If the complainant would like to reach out to InventHelp's customer service department their phone number is 1-800-591-1891.

  Sincerely,

  Deborah L***

  Manager

  Universal Payment

   

  Customer Answer

  Date: 03/11/2024

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  
  
  *** ****** ** ** ******** **** ****** ** * ****** ** ***** **** ** **** **** **** ** *** ********
  
  
  
  Regards,
  
  
  
  Candace Charles

• Initial Complaint

  Date:02/11/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The company or person I was dealing with was scamming me. Everything they did or said was in deception. The messages and text disappeared after 48hrs. I was originally told I would be on a payment plan not have a unsecured loan or would it be with a 3rd party. My first payment invoice was from the company itself. I have found substantial amount of evidence that this lady was scamming me and she said she would cancel my contract. Now I can't reach her. But the whole time she wanted money I was able to talk to her. I have proof she said she would cancel it but the original email is gone along with anything she say that doesn't deal with website information. I want this contract for this loan to stop and I want it off my credit report. I am nolonger doing business with inventhelp and I have talk to my lawyer about it as well. The office in Georgia has a different address from the information she was sending me was from a home address. The patent lawyer never return my messages either. When I called to tell upc I no longer have a contract with invent help they didn't care just kept saying talk to them. Well you are the issue as well if my contract is canceled it shouldn't be on my credit report that's a whole issue and a big deal. That were inconvenience for scamming purposes. I feel that getting money from anyone however they can is the goal. I can't even get in contact with Christiana c******* or c**** Since I exposed her for scamming.

  Customer Answer

  Date: 02/12/2024

  The complaint is I don't have an open contract with them but they are on my credit reports saying that I owe them money and I have a unsecured loan with them

  Business Response

  Date: 02/13/2024

  Dear Ms. ******,

  We are in receipt of Complaint ID #********

  This complainant signed a Retail Installment Contract on January 3, 2024, agreeing to make monthly payments for the contracted services.

  Universal Payment Corporation is not able to address this complainant's specific statements regarding InventHelp services. The complainant should contact InventHelp directly.

  We hope this information helps.

  Sincerely,

  Deborah Lohr

  Manager

  Universal Payment
  

  Customer Answer

  Date: 02/14/2024

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  
  
  *** ****** ** ** ******** **** ****** ** * ****** ** ***** **** ** **** **** **** ** *** ******** 

  I'm not sure who miss ****** is so I can only image that her case is similar to mine. If you can't even address the correct person on a complaint then why would I believe you didn't receive a cancelation contract for me. I have addressed inventhelp as well with no response. The person who sent up this loan is also not responding. Which if what you say is true then I guess we both got scammed. So for you to look farther into this matter would benefit your behalf as well. 
  
  
  
  Regards,
  
  
  
  ******** ****

  Business Response

  Date: 02/19/2024

  Dear Ms. ******,

  We are in receipt of complaint ID ********

  Universal Payment Corporation is not able to address this complainant's specific statements pertaining to services provided by InventHelp. To reach InventHelp, their main number is **************.

  If the complainant needs to discuss details pertaining to the Retail Install Contract with Universal Payment, the complainant can contact our office directly at *************

  We hope this helps.

  Sincerely,

  Deborah L***
  
  

  Manager

• Initial Complaint

  Date:01/25/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a victim of identity theft. I've noticed unauthorized transactions and suspicious activities linked to my identity. I've filed a police report, but I need assistance in resolving this issue. I hope to recover my financial losses, clear my name, and request your help in removing this account from my credit report. Please help me in this matter. ---------- UNIVERSAL PAYMENT CORP ***XXXX Date Opened 09/01/2021 Higher credit $12,900----------

  Business Response

  Date: 01/29/2024

  ******* *** ****

  Dear Ms. ******,

  We are in receipt of complaint ID #********

  This complainant signed a Retail Installment Contract on August 27, 2021, agreeing to pay 36 monthly payments for the contract services. The first payment was scheduled for September 26, 2021 and the final payment on August 26, 2024. The complainant has not been making the agreed upon payments and has a remaining delinquent balance of $11,760.00.

  Universal Payment Corporation is willing to assist the complainant with the arrangements with payment. We have discussed this with the complainant in previous years. The complainant should contact our office directly.

  We hope this information helps.

  Sincerely,

  Deborah L***

   

  Customer Answer

  Date: 07/31/2024

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  
  I recently discovered that I am a victim of identity theft. While reviewing my credit report, I noticed an account that was opened in my name without my knowledge or consent. I immediately contacted the creditor to request proof of my authorization for this account. However, I have yet to receive any documentation or evidence from the creditor that verifies I initiated or authorized the opening of this account. Given the lack of evidence provided by the creditor, it is clear that this account does not belong to me and has been opened fraudulently using my personal information. Here are the details related to this incident that I found in my credit report. Universal Payment Corp: Account number *******, Opened Sep 01, 2021, Higher Credit $12,156. 

  Regards,
  
  
  
  ******* ****** *****

  Business Response

  Date: 08/07/2024

  Dear Ms. Folino,

  We are in receipt of complaint ID ********

  As previously stated in our response dated January 26, 204, the complainant signed a Retail Installment Contract agreeing to make monthly payments for the contracted services. The last payment received was on September 22, 2022. To date the account has a delinquency of $11,486.64.

  If the complainant needs to discuss details or obtain information pertaining to the Retail Installment Contract with Universal Payment, the complainant can contact our office directly. The telephone number is 412-338-5240.

  We look forward to assisting the complainant should they decide to contact us.

  Sincerely,

  Deborah L***

  Manager

  Universal Payment
  

   

• Initial Complaint

  Date:09/30/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Universal Payment Corporation. I do not have a contract with Universal Payment Corporation. They did not provide me with the original contract as I requested.

  Business Response

  Date: 10/03/2023

  Dear *** ******,

  This complainant signed a Retail Installment Contract on July 14, 2021 agreeing to pay 36 monthly payments of $369.04 for the contracted services. The first payment was scheduled for August 13, 2021 and the final payment was scheduled for July 13, 2024. The complainant made four of the contracted payments in 2021 and then entered a default status.

  Upon review of the complainants file, there is no notification or request for an additional copy of the signed Retail Installment Contract.

  Universal Payment Corporation provides additional copies upon request. The complainant should contact our office directly.

  Sinceerely,

  Deborah L***

  Manager

  ********* ******* ***********
  

• Initial Complaint

  Date:08/19/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Universal Payment Corp. I do not have a contract with Universal Payment Corp. They did not provide me with the original contract as requested.

  Business Response

  Date: 08/21/2023

  Dear *** ******,

  We are in receipt of complaint ID ********.

  This complainant signed a Retail Installment Contract in 2017. Due to the age of the account, Universal Payment Corporation will perform a trade line deletion. This will be removed from the credit reporting agencies within the next three business days.

  Please contact me if you have any further questions.

  We hope this information helps.

  Deborah L***

  Manager

• Initial Complaint

  Date:02/20/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with sprint and do not have a contract with convergent. They do not provide me with the original application like I asked.

• Initial Complaint

  Date:10/05/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently found out that Universal payment Corp is on my credit report from something over 10-15 years ago which involved an invention. This was a scam and I will not pay another penny to this company. I was scammed for over $10,000 before I stopped paying them. I am a senior citizen and will not continue paying them for a scam. I recently applied for a loan to get into a senior community and this came up which is preventing me from going forward. As I mentioned I had paid them over $10,000 in good faith before I realized I was being scammed. I am considering filing a lawsuit against them if this is not removed from my report immediately.

  Business Response

  Date: 10/07/2022

  Universal Payment Corporation has reviewed the complainant's concerns regarding the remaining balance on her account. Over several years of working with the complainant, we have provided a refinance to eliminate previous delinquencies and provide a more affordable payment. There is currently a remaining balance on the complainant's file. As we have responded to complainant's review last week, we are willing to assist the consumer with arrangements to resolve the delinquency. The complainant will need to contact our office directly at 412-338-5240 1-800-766-1110.

  In reference to the complainant's concerns pertaining to the services that were contracted through **********, the consumer will need to reach out to ********** directly.

  Sincerely,

  Deborah L***

  Manager/Universal Payment Corporation

  ATell us why here...

  Customer Answer

  Date: 10/24/2022

  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  
  I do not accept this at all. I have spent too much on this company and it was a total rip off. They are affiliated with ****** **** and I will not pay any more funds to them. They have gotten so much money from me and nothing, absolutely nothing was done.
  

  Thank You

  **** *********
  *********************
  

  
  

  
  

• Initial Complaint

  Date:08/22/2022

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I did an invention about 10 years back through invent help. And the billing was through universal payment. They wouldn't take it off my credit. I had to go to the court and have the lady at the court talk to universal payment on the phone about taking me out of their system because they kept dinging me. They finally did. But i was at the bank the other day and now they have been dinging me again for 19 dollars on my credit. The court people said they would document that i came in and that they talked to them. So I may have to take them to court. Because they won't pick up the phone to talk. I don't owe them a penny no more.

  Customer Answer

  Date: 08/23/2022

  From: ****** **********************
  Date: Tue, Aug 23, 2022 at 2:02 PM
  Subject: Complaint was resolved with the business
  To: [email protected] <[email protected]>
  
  
   Complaint ID *********
    Was just letting you know that me and the company got everything resolved. They said they would delete my account and it would stop dinging my credit by the end of the week. So we are good now.
  Sent from my T-Mobile 5G Device
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