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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.
Has anyone had communication with a company called...
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Has anyone had communication with a company called Universal Fidelity?

What are they like?

Hi SHbear! I've read that Universal Fidelity is 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
USA 33682 7199
(813) 971-0000.

Sub: #1 posted on Wed, 03/15/2006 - 09:35

imkimssister imkimssister

(Posts: 1302 | Credits: )

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.

Sub: #2 posted on Wed, 03/15/2006 - 09:42

david david

(Posts: 1231 | Credits: )

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

Sub: #3 posted on Wed, 03/15/2006 - 09:46

imkimssister imkimssister

(Posts: 1302 | Credits: )

Sonic has said Universal Fidelity is 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.

Sub: #4 posted on Wed, 03/15/2006 - 09:52

rkai93 rkai93

(Posts: 117 | Credits: )

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

Sub: #5 posted on Wed, 03/15/2006 - 10:39

landrylou landrylou

(Posts: 310 | Credits: )

Every person at Universal Fidelity 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. :?


Sub: #6 posted on Wed, 03/15/2006 - 10:47

Mary Mary

(Posts: 1344 | Credits: )

Universal Fidelity 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?

Sub: #7 posted on Wed, 03/15/2006 - 11:16

rkai93 rkai93

(Posts: 117 | Credits: )

I have no idea what account I have with Universal Fidelity. I have not returned their calls yet. I have not ever received anything in the mail from them.

Sub: #8 posted on Thu, 03/16/2006 - 07:07


SHbear, since you have no idea for what Universal Fidelity is 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

Sub: #9 posted on Thu, 03/16/2006 - 07:29

imkimssister imkimssister

(Posts: 1302 | Credits: )

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.

Sub: #10 posted on Fri, 03/17/2006 - 09:20


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