hi, my name is danielle, i got a message from this company too but have never got anything in the mail about it. i am not calling them. like u said thats against the law and thank u for informing me of those things. i got a pay day loan but its not even due yet so i have no idea why they r calling me. she sounded rude just in the voicemail i got.

[Gretchin]

Universal Fidelity must give you the details of the debt in writing within 5 days after calling you for the first time. Send a debt validation letter if you don't receive anything in the mail. They are bound to follow the fdcpa laws while attempting collections. Get in contact with the original company and work out repayment plans with them. They will be much easier to work with.

[landrylou]

I had asked them several times for a validation letter but I still have yet to recieve it and its been about 3-4 months now.

[Justme]

c38nfrnt, has Universal Fidelity hit your credit report? Do not allow them to report in your file without genuine purpose. If they are on your credit, dispute the item with the CRA along with proof of your validation request. The CRA will verify it with the company and remove if found incorrect. Send your letters certified.

I to am having problems with this Universal Fidelity. I had a game named Sedrick call me, he was very very rude. I asked him not to call me at work again and he did about 4 days later. I am talking to him in mid sentence he just hangs up on me. Wouldn't give me an address or phone #. I have never received anything in the mail from them. I was told to call a Tony Holmes at 281-647-4120 and lodge a complaint. So you might try that.

I forgot to add that Universal Fidelity has been hired by Resurgent Capital Services LP, to collect an old Sears account.

I got something in the mail from them, the letter seemed nice and no threats were made. Im going to be sending my payment soon. I cant stand talking to these people on the phone, Id rather them just send me a letter

I have had alot of trouble with these guys. they took 100 dollars from my bank account and they said it bounced and my bank and i have had like 2 conversations on the phone iwth them saying it didnt bounce. my bank faxed them my account receipt and it showed it didnt bounce and now they are saying it wasnt even them that took the money out but i saw someone else say sears account with resurgent capital services and that who the money came out from and the phone number listed for them i called and they answered universal fidelity... ive spent atleast 2 hours on the phone with them trying to figure out what they did with my money and one girl said they will credit my account with it and when they didnt do that i called back and they said no one ever said they would do that for me

I received a phone call from a Miss Ellis at Universal Fidelity. At first she was very nice. The next day she called me back and got my 12 year old daughter (I was at work) and told her if she didnt tell her my work phone that myself and my daughter would be arrested because she worked for the local courthouse. I called her back and she denied saying that.

[Justme]

singlemomof2

Next time when the collection agencies call you, get the call recorded. Check the state laws to verify if you are allowed to do the recording secretly. The collectors deny their words easily if you are unable to show proof. Did the company validate the debt in writing? They are bound by federal laws before attempting collections.

Universal Fidelity is still messing around with me but the people from my bank are filing something against them becuase they took 100 from my account (1 girl from the company said they did, 1 girl said they didnt, 1 girl hung up on me, my mom, and a worker from the bank when questioned about it, and 1 supervisor said they took it out but put it back in my account and that my bank made an error and she doesnt know why the 100 didnt go back into my account) so my bank is doing everythign they can to get these people in trouble and find out what the did with my money and my bank is going to stop all action with this company untill someone from their side steps up and says we took your money.

[Yassav]

This people are very rude. A woman by the name of Naoemi Simon called my cell phone Sunday morning and left a threatening message on my voice mail. When I called back she said that I was faced with legal action because an account whose primary name is my ex-husband was not being paid and that even though I was only an authorized siganture I had to pay the account and if I did not do it will go legal. They never sent anything to me on paper either. Please help!

I just tried to call uf(261-647-4152). I was on hold for 43 mn. I hung up. they are trying to collect the ballane of a dell debt that I made a settlement on with another co. I called company A , and they told me it sounded like a scam. Ther is no way they call collect a ballane after settlement.

[kscornell]

The agent I just spoke with denied being in Texas and said she was in Ohio! Have they moved?? Be interesting to find out!

[kscornell]

Now I'm getting daily calls from these fools! I have only been paying this stupid debt off for a year..and now I'm getting harassed??? Geez....

you guys are right. no one shud have to pay back stupid credit kards. i'm tired of paying bills, ive bin payin um for about 3 years now, i aint payin sh*t. im going to f*ck my credit up so i can have the time of my life. worry free. thanks everyone!