Collection Agencies and Creditors

Universal Fidelity (BBB accredited) violating consumer rights

Universal Fidelity Corp. is a third-party collection agency, rude and often disagrees to accept reasons. Hence, be prepared to have a hard time if you're being contacted by them regarding a collection of debt.

Universal Fidelity, however, is a BBB accredited business. But, that doesn't stop them from violating the consumer's rights described in the FDCPA.

Their communication address is as follows:

Universal Fidelity LP (UFLP)
PO Box 941911, Houston, TX77084, United States
Phone: (281)647-4100

Fax: (281)861-0096

Universal Fidelity LP is an alias of Fingerhut Credit Advantage. So, if you have an account with Fingerhut, you may also get contacted by Universal.

After getting in touch with you, Universal is required to send you the details regarding the account in collection within five business days. If they fail to do so, you should then send them the debt validation letter to verify the account's status.

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Posted: Wed Mar 15, 2006 10:13 am Post subject: Universal Fidelity: BBB accredited company violating consume

Has anyone had communication with a company called Universal Fidelity? What are they like? _________________ Register today to encash debtcc points.

SHbear1
Guest

Debtcc Points: 100

Posted: Wed Mar 15, 2006 10:35 am Post subject:

Hi SHbear! I've read that they're a part of the BBB. I didn't come up with anything bad on them. I haven't dealt with them though, maybe someone else here has and is willing to contribute their intake on this agency. In case you don't have their info its: PO Box 17199 Tampa,FL USA 33682 7199 (813) 971-0000.

imkimssister
Debt Samaritan

Joined: 05 May 2005
Posts: 1341

Debtcc Points: 62385

Posted: Wed Mar 15, 2006 10:42 am Post subject:

Put a search on this forum with the name 'Universal Fidelity'. I think members and guests have commented on them too. If I am not wrong, they are a collection agency and many people have faced problems while dealing with them. Do you mind telling us how they approached you? Have they given you anything in writing or is it just a telephone call? Under the federal laws, the collection agencies are required to send you the details of the debt in writing before pursuing collections. If you have got nothing in the mail, you can request them for the debt validation. Send your letter through CMRRR so that you have proof of records.

david
Debt Samaritan
david

Joined: 04 Jan 2006
Posts: 1278

Debtcc Points: 30120

Posted: Wed Mar 15, 2006 10:46 am Post subject:

Very good David (nice touch as always!) SHbear, if you haven't received anything in the mail, you can send them a validaton letter using the address I gave you above.

imkimssister
Debt Samaritan

Joined: 05 May 2005
Posts: 1341

Debtcc Points: 62385

Posted: Wed Mar 15, 2006 10:52 am Post subject:

Sonic has said it's the 3rd party collection agency they use...i called them (preemptive strike) and they were totally cool on the phone and seemed very professional and actually nice. _________________ I am working to payoff my payday loan debts - all Debt CC point doantions are so appreciated!!

rkai93

Joined: 27 Jan 2006
Posts: 132

Debtcc Points: 8426

Posted: Wed Mar 15, 2006 11:39 am Post subject:

I have dealt with them but I can't remember what account it was for. I thought they were very rude!

landrylou

Joined: 04 Nov 2005
Posts: 310

Debtcc Points: 5170

Posted: Wed Mar 15, 2006 11:47 am Post subject:

Every person at the company is probably different. There are many professional third-party collectors out there (like Ari, when she was doing that) and there are many unprofessional ones. I guess it just depends on who picks up the phone when you call them. ~Mary

Mary
Moderator

Joined: 23 Jan 2006
Posts: 1463

Debtcc Points: 22219

Posted: Wed Mar 15, 2006 12:16 pm Post subject:

they are out of texas...but i just went to pull up their website and it says their site is under construction....very wierd. What account of yours was referred to them, out of curiousity? _________________ I am working to payoff my payday loan debts - all Debt CC point doantions are so appreciated!!

rkai93

Joined: 27 Jan 2006
Posts: 132

Debtcc Points: 8426

Posted: Thu Mar 16, 2006 8:07 am Post subject:

I have no idea what account I have with them. I have not returned their calls yet. I have not ever received anything in the mail from them. _________________ Register today to encash debtcc points.

SHbear
Guest

Debtcc Points: 100

Posted: Thu Mar 16, 2006 8:29 am Post subject:

SHbear, since you have no idea what they're calling you about, or what account they possibly could be holding, you'll need to mail them out a validation letter. Make sure send it certified return receipt. That way you can find out what this is all about. Unless you just want to pick up the phone and talk to them. I don't like talking on the phone so I go with the validation letter. shirley

imkimssister
Debt Samaritan

Joined: 05 May 2005
Posts: 1341

Debtcc Points: 62385

Posted: Fri Mar 17, 2006 10:20 am Post subject:

Shirley, You'll be interested to know that I called the number that Universal keeps telling me to call to ask for their address and fax number. The 1st time I called, the guy hung up on me. The 2nd time I called, I asked for the address and asked why he hung up on me, then he hung up on me again. They I called back one more time, the guy wouldn't pick up the phone and let it go to some weird voicemail. I get a sneaking suspicion that these guys are creeps or crooked like most of the other CA's we all talk about. How can I send them a validation letter if they won't give me the address. The one that you gave me earlier is not right and the phone number is disconnected. When I go to Super Pages to look them up, I get about 4 different ones with numbers that are disconnected on them. _________________ Register today to encash debtcc points.

SHBear
Guest

Debtcc Points: 100

Posted: Fri Mar 17, 2006 12:43 pm Post subject:

SHBear, Do you have any account with Fingerhut? Universal Fidelity Corp is an alias of Fingerhut Credit Advantage. Check the Additional Business Names section in the BBB report. Keep us posted. _________________ Read my thoughts about Debt and Credit.

stanley
Moderator
stanley

Joined: 30 Sep 2005
Posts: 1716

Debtcc Points: 253

Posted: Fri Mar 17, 2006 2:23 pm Post subject:

No, I don't have an account with Fingehut. I am still trying to get a fax number that is good for them. I'll keep everyone posted. _________________ Register today to encash debtcc points.

SHbear
Guest

Debtcc Points: 100

Posted: Thu Jun 01, 2006 5:41 pm Post subject: universal fidelity, re: an old navy account

i am so upset! i just had a horrible phone call from this evil person at UF. she was rude and insulting. she gave me a lot of lip and thought that she had every right to talk to me any way she liked. when i asked her who she was, she refused to tell me. i asked to speak to a supervisor and she just said to keep talking. she treatened me by saying that she had my SS#, etc. and that this phone call was being recorded. after she felt as though she had sufficiently insulted me, she hung up on me!? i have never been treated so rudely! _________________ Register today to encash debtcc points.

ktelles
Guest

Debtcc Points: 100

Posted: Thu Jun 01, 2006 6:07 pm Post subject:

ktelles - don't accept this humiliation. UF violated the federal laws in the entire conversation. If they have the recording, it is clear fact that the lady insulted you. You have a case against her. Now, you can use your legal rights and attach a recording device at your phone. Record the conversation when she calls next time. Check the state laws because some states require permission of both the parties. List down the date and time of the calls made to you and present it to your attorney. You have a case. Has Universal Fidelity sent you any details of the account in writing?