Total CFPB complaints
280
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 280 complaints
Nelson Cruz & Associates LLC — Debt Collector Complaint Profile
CFPB complaint profile across 38 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Nelson Cruz & Associates LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
85 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
71 complaints
- Written notification about debt
Written notification about debt
41 complaints
- False statements or representation 9
False statements or representation
9 complaints
- Communication tactics 8
Communication tactics
8 complaints
- Cont'd attempts collect debt not owed 7
Cont'd attempts collect debt not owed
7 complaints
F
Grade F · 40.4/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Nelson Cruz & Associates LLC?
Nelson Cruz & Associates LLC has accumulated 280 total CFPB complaints across 38 states, with 77 filed in the most recent 12 months against 203 historical complaints before that window. The trailing-12-month volume represents 27.5% 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 "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 45% timely-response rate against a 13% 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 38 states, led by Texas with 54 and California with 43, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 40.4/100 places Nelson Cruz & Associates LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
77
27.5% of total history
Rising ↑
States active
38
Distinct state filings
Timely response rate
45%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
F
40.4/100 composite
Response-quality profile
How Nelson Cruz & Associates LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 25.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 67.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Nelson Cruz & Associates LLC compare to its peers?
Nelson Cruz & Associat… 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)
2023-09 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action71 (%)
Attempts to collect debt not owed85 (%)
Written notification about debt41 (%)
False statements or representation9 (%)
Communication tactics8 (%)
Cont'd attempts collect debt not owed7 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 | Threatened or suggested your credit would be damaged | 55 |
| Attempts to collect debt not owed | Debt is not yours | 49 |
| Written notification about debt | Didn't receive enough information to verify debt | 29 |
| Attempts to collect debt not owed | Debt was result of identity theft | 24 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 16 |
| Attempts to collect debt not owed | Debt was paid | 12 |
| Written notification about debt | Didn't receive notice of right to dispute | 12 |
| False statements or representation | Attempted to collect wrong amount | 9 |
| Communication tactics | Frequent or repeated calls | 8 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
Where do complaints against Nelson Cruz & Associates LLC come from?
The states where consumers have filed the most CFPB complaints against Nelson Cruz & Associates LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Nelson Cruz & Associates LLC
Across 38 states with at least one filing
- Texas
Texas
54 complaints
- California
California
43 complaints
- Florida 18
Florida
18 complaints
- Georgia 17
Georgia
17 complaints
- Ohio 13
Ohio
13 complaints
- South Carolina 12
South Carolina
12 complaints
- Arizona 11
Arizona
11 complaints
- Virginia 10
Virginia
10 complaints
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 "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 280 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 77 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). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 38 states, with the most complaints from Texas (54 complaints).
What can I do if Nelson Cruz & Associates LLC 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 Nelson Cruz & Associates LLC 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 |