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

Data updated July 2026

F

Grade F · 40.4/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: Nelson Cruz & Associates LLC ranks ahead of 4% of the 5,283 collectors PlainCollector grades - 96% keep a cleaner CFPB record, on 301 all-time complaints and a 45% timely-response rate.

4th pct
reputation rank of 5,283 graded collectors
301
CFPB complaints, all-time
45%
answered inside the CFPB window
88
in the last 12 months (rising)

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 Nelson Cruz & Associates LLC?

Nelson Cruz & Associates LLC has accumulated 301 total CFPB complaints across 39 states, with 88 filed in the most recent 12 months against 213 historical complaints before that window. The trailing-12-month volume represents 29.2% 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 "Attempts to collect debt not owed", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 45% timely-response rate against a 13% consumer-dispute-after-response rate.

Complaints have been recorded across 39 states, led by Texas with 60 and California with 48. Normalized against the full CFPB collector database, the reputation score of 40.4/100 places Nelson Cruz & Associates LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

301

mid-volume (CCDB)

Last 12 months

88

29.2% of all-time complaints

Rising ↑

States active

39

multi-region footprint

Timely response rate

45%

below sla band

Consumer disputes

13%

average (vertical avg ~19%)

Reputation grade

F

40.4/100 composite

How does Nelson Cruz & Associates LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

40 Bottom 4% higher than 4% 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%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 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

Nelson Cruz & Associates LLC versus the debt-collection vertical average.

Timely response within SLA 44.6%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 12.5%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 69.6%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Nelson Cruz & Associat… 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Nelson Cruz & Associates LLC contacts you

A grade of F signals how Nelson Cruz & Associates LLC'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 Nelson Cruz & Associates LLC 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 Nelson Cruz & Associates LLC 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 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: 40.4/100), 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).

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.