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

CFPB complaint data Grade F 301 complaints

Nelson Cruz & Associates LLC - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade F.

Complaints by issue type

What consumers report about Nelson Cruz & Associates LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #523

  • VOL 301
  • GRADE F
  • 12MO 88
  • STATES 39
  • TIMELY 45%
  • DISPUTE 13%
  • ISSUE Attempts to collect debt n…
  • RANK #396
  • COMPOSE #523

Volume peers

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

Grant Mercantile AgencyGrant Mercantile Agency299Oliphant Financial, LLCOliphant Financial, LLC299International Computer Systems, Inc.International Computer Syste…301Nelson Cruz & Associates LLC (this)Nelson Cruz & Associates LLC…301Media Collections, IncMedia Collections, Inc303
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 →

How the 301 complaints break down

Every complaint issue type on record for Nelson Cruz & Associates LLC, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
37.9/100
Nelson Cruz & Associates LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
301
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response C
45%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
13%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#396 volume
#523 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 & Associates LLC National average
Complaints (last 12 mo)lower is better
88
71
268
Timely-response ratehigher is better
45%
91%
91%
Consumer-dispute ratelower is better
13%
18%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Nelson Cruz & Associates LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Nelson Cruz & Associates LLC vs. 10 similar-volume peers, by response speed and dispute rate Nelson Cruz & Associates LLCInternational Computer Systems, Inc.Grant Mercantile AgencyMedia Collections, IncOLIPHANT FINANCIAL, LLCUnited PanAm Financial Corp.CAC Financial CorpSequoia Financial ServicesQuality Asset Recovery LLCComplete Credit Solutions, Inc.PENNYMAC LOAN SERVICES, LLC.
Source: CFPB Consumer Complaint Database

Nelson Cruz & Associates LLC's complaint volume in context

Nelson Cruz & Associates LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

301 Top 7% higher than 93% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Nelson Cruz & Associates LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against Nelson Cruz & Associates LLC

Across 39 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.