Total CFPB complaints
135
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 135 complaints
Andreu, Palma & Andreu, PL — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Andreu, Palma & Andreu, PL
- Attempts to collect debt not owed
Attempts to collect debt not owed
30 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
22 complaints
- False statements or representation
False statements or representation
22 complaints
- Written notification about debt
Written notification about debt
16 complaints
- Disclosure verification of debt 11
Disclosure verification of debt
11 complaints
D
Grade D · 58.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Andreu, Palma & Andreu, PL?
Andreu, Palma & Andreu, PL has accumulated 135 total CFPB complaints across 7 states, with 39 filed in the most recent 12 months against 96 historical complaints before that window. The trailing-12-month volume represents 28.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Sued you without properly notifying you of lawsuit", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 24% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 7 states, led by Florida with 117 and New Jersey with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.7/100 places Andreu, Palma & Andreu, PL in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
39
28.9% of total history
Rising ↑
States active
7
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
24%
After company response
Reputation grade
D
58.7/100 composite
Response-quality profile
How Andreu, Palma & Andreu, PL performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 48.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Andreu, Palma & Andreu, PL compare to its peers?
Andreu, Palma & Andreu… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-01 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action22 (%)
False statements or representation22 (%)
Disclosure verification of debt11 (%)
Attempts to collect debt not owed30 (%)
Written notification about debt16 (%)
Most common issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 18 |
| False statements or representation | Attempted to collect wrong amount | 16 |
| Disclosure verification of debt | Not given enough info to verify debt | 11 |
| Attempts to collect debt not owed | Debt was result of identity theft | 11 |
| Written notification about debt | Didn't receive enough information to verify debt | 11 |
| Attempts to collect debt not owed | Debt was paid | 10 |
| Attempts to collect debt not owed | Debt is not yours | 9 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 6 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 4 |
Where do complaints against Andreu, Palma & Andreu, PL come from?
The states where consumers have filed the most CFPB complaints against Andreu, Palma & Andreu, PL. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Andreu, Palma & Andreu, PL
Across 7 states with at least one filing
- Florida
Florida
117 complaints
- New Jersey 6
New Jersey
6 complaints
- Georgia 6
Georgia
6 complaints
- Texas 3
Texas
3 complaints
- Washington 1
Washington
1 complaints
- Hawaii 1
Hawaii
1 complaints
- Michigan 1
Michigan
1 complaints
Frequently Asked Questions
What is the most common complaint against Andreu, Palma & Andreu, PL? ▼
The most common issue consumers report about Andreu, Palma & Andreu, PL is "Took or threatened to take negative or legal action", specifically "Sued you without properly notifying you of lawsuit". This is based on 135 complaints filed with the CFPB.
Are complaints against Andreu, Palma & Andreu, PL increasing or decreasing? ▼
Complaints against Andreu, Palma & Andreu, PL are rising. The company received 39 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Andreu, Palma & Andreu, PL's reputation grade? ▼
Andreu, Palma & Andreu, PL has a reputation grade of D (score: 58.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Andreu, Palma & Andreu, PL respond to consumer complaints? ▼
Andreu, Palma & Andreu, PL has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 24% of cases.
In how many states does Andreu, Palma & Andreu, PL operate? ▼
Andreu, Palma & Andreu, PL has received CFPB complaints from consumers in 7 states, with the most complaints from Florida (117 complaints).
What can I do if Andreu, Palma & Andreu, PL is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Andreu, Palma & Andreu, PL violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |