What is the most common complaint against Nelson Cruz & Associates LLC?

The most common issue consumers report about Nelson Cruz & Associates LLC is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 301 complaints filed with the CFPB.

Are complaints against Nelson Cruz & Associates LLC increasing or decreasing?

Complaints against Nelson Cruz & Associates LLC are rising. The company received 88 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Nelson Cruz & Associates LLC's reputation grade?

Nelson Cruz & Associates LLC has a reputation grade of F (score: 37.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Nelson Cruz & Associates LLC respond to consumer complaints?

Nelson Cruz & Associates LLC has a 45% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does Nelson Cruz & Associates LLC operate?

Nelson Cruz & Associates LLC has received CFPB complaints from consumers in 39 states, with the most complaints from Texas (60 complaints).

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

Nelson Cruz & Associates LLC - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

97
Took or threatened to take negative or legal action

89
Written notification about debt

43
False statements or representation

23
Communication tactics

22
Threatened to contact someone or share information improperly

10

Data updated September 2026

CFPB complaint disposition

CCDB record nelson-cruz-associates-llc Nelson Cruz & Associates LLC

Grade F · 301 CFPB filings · 45% timely · lead issue: Attempts to collect debt not owed · vol #396 · compose #5027

VOL 301
GRADE F
12MO 88
STATES 39
TIMELY 45%
DISPUTE 13%
ISSUE Attempts to collect debt n…
RANK #396
COMPOSE #5,027

Volume peers

Nearest volume peer: International Computer Systems, Inc. (301 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Nelson Cruz & Associates LLC's 301 CFPB complaints sit next to International Computer Systems, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Texas is the plurality state for Nelson Cruz & Associates LLC (19.9%)

Volume rank #396 and composite rank #5,027 diverge by 4,631 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 19.9%; Mid-band (15–30%) · 39 states with ≥1 filing
Seasonal peak: 2025-11 10.9%; 8–15% band · 25 filings
Divergent corpus ranks: #396 volume; #5,027 composite; Cleanest-composite ladder is 4,631 places worse than volume

How does Nelson Cruz & Associates LLC compare to its peers?

How does Nelson Cruz & Associates LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Nelson Cruz & Associat… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

45%

91%

Consumer-dispute ratelower is better

13%

18%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	97
Took or threatened to take negative or legal action	89
Written notification about debt	43
False statements or representation	23
Communication tactics	22
Threatened to contact someone or share information improperly	10
Cont'd attempts collect debt not owed	8
Taking/threatening an illegal action	8
Improper contact or sharing of info	1

Where do complaints against Nelson Cruz & Associates LLC come from?

Nelson Cruz & Associates LLC's own per-state count, not a national baseline.

Texas

60
California

48
Florida

18
Georgia

17
Ohio

15
South Carolina

13
Arizona

12
Virginia

10

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Nelson Cruz & Associates LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 301.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 44.642857142857146%.

4 peers

Know your rights before responding to Nelson Cruz & Associates LLC: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.