This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 147 complaints

Andreu, Palma & Andreu, PL - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade D.

Complaints by issue type

What consumers report about Andreu, Palma & Andreu, PL

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 58.7/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Andreu, Palma & Andreu, PL ranks ahead of 38% of the 5,283 collectors PlainCollector grades - 62% keep a cleaner CFPB record, on 147 all-time complaints and a 99% timely-response rate.

38th pct
reputation rank of 5,283 graded collectors
147
CFPB complaints, all-time
99%
answered inside the CFPB window
34
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Andreu, Palma & Andreu, PL?

Andreu, Palma & Andreu, PL has accumulated 147 total CFPB complaints across 7 states, with 34 filed in the most recent 12 months against 113 historical complaints before that window. The trailing-12-month volume represents 23.1% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Sued you without properly notifying you of lawsuit". The company posts a 99% timely-response rate against a 24% consumer-dispute-after-response rate.

Complaints have been recorded across 7 states, led by Florida with 129 and Georgia with 6. Normalized against the full CFPB collector database, the reputation score of 58.7/100 places Andreu, Palma & Andreu, PL in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

147

mid-volume (CCDB)

Last 12 months

34

23.1% of all-time complaints

Stable →

States active

7

regional footprint

Timely response rate

99%

excellent band

Consumer disputes

24%

elevated (vertical avg ~19%)

Reputation grade

D

58.7/100 composite

How does Andreu, Palma & Andreu, PL's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 38th percentile higher than 38% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Andreu, Palma & Andreu, PL versus the debt-collection vertical average.

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) 24.1%
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?

How does Andreu, Palma & Andreu, PL compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Andreu, Palma & Andreu… National average
Complaints (last 12 mo)lower is better
34
1
268
Timely-response ratehigher is better
99%
97%
91%
Consumer-dispute ratelower is better
24%
13%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-02 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 34
Took or threatened to take negative or legal action - 31
False statements or representation - 25
Written notification about debt - 23
Disclosure verification of debt - 14
Cont'd attempts collect debt not owed - 7
Taking/threatening an illegal action - 5
Threatened to contact someone or share information improperly - 3
Communication tactics - 2
Improper contact or sharing of info - 2

Where do complaints against Andreu, Palma & Andreu, PL come from?

Andreu, Palma & Andreu, PL's own per-state count, not a national baseline.

Top states by complaints against Andreu, Palma & Andreu, PL

Across 7 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Andreu, Palma & Andreu, PL contacts you

A grade of D signals how Andreu, Palma & Andreu, PL's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Andreu, Palma & Andreu, PL and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Andreu, Palma & Andreu, PL ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 "Attempts to collect debt not owed", specifically "Sued you without properly notifying you of lawsuit". This is based on 147 complaints filed with the CFPB.

Are complaints against Andreu, Palma & Andreu, PL increasing or decreasing? ▼

Complaints against Andreu, Palma & Andreu, PL have been stable. The company received 34 complaints in the last 12 months.

What is Andreu, Palma & Andreu, PL's reputation grade? ▼

Andreu, Palma & Andreu, PL has a reputation grade of D (score: 58.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (129 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.