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

CFPB complaint data Grade F 6 complaints

Puerto Rico Consumer Debt Management Co., Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade F.

Complaints by issue type

What consumers report about Puerto Rico Consumer Debt Management Co., Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 51.6/100 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: Puerto Rico Consumer Debt Management Co., Inc. ranks ahead of 18% of the 5,283 collectors PlainCollector grades - 82% keep a cleaner CFPB record, on 6 all-time complaints and a 83% timely-response rate.

18th pct
reputation rank of 5,283 graded collectors
6
CFPB complaints, all-time
83%
answered inside the CFPB window
0
in the last 12 months (falling)

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 Puerto Rico Consumer Debt Management Co., Inc.?

Puerto Rico Consumer Debt Management Co., Inc. has accumulated 6 total CFPB complaints across 1 states, with 0 filed in the most recent 12 months against 6 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Seized or attempted to seize your property". The company posts a 83% timely-response rate against a 100% consumer-dispute-after-response rate.

Complaints have been recorded across 1 states, led by Puerto Rico with 5. Normalized against the full CFPB collector database, the reputation score of 51.6/100 places Puerto Rico Consumer Debt Management Co., Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

6

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

1

limited footprint

Timely response rate

83%

acceptable band

Consumer disputes

100%

high (vertical avg ~19%)

Reputation grade

F

51.6/100 composite

How does Puerto Rico Consumer Debt Management Co., Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

52 Bottom 18% higher than 18% 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

Puerto Rico Consumer Debt Management Co., Inc. versus the debt-collection vertical average.

Timely response within SLA 83.3%
Vertical avg

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

Consumer dispute rate (post-response) 100.0%
Vertical avg

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

State coverage breadth 1.8%

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

How does Puerto Rico Consumer Debt Management Co., Inc. compare to its peers?

How does Puerto Rico Consumer Debt Management Co., Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Puerto Rico Consumer D… National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
83%
100%
91%
Consumer-dispute ratelower is better
100%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-12 2025-10

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 2
Communication tactics - 2
Attempts to collect debt not owed - 1
False statements or representation - 1

Where do complaints against Puerto Rico Consumer Debt Management Co., Inc. come from?

Puerto Rico Consumer Debt Management Co., Inc.'s own per-state count, not a national baseline.

Top states by complaints against Puerto Rico Consumer Debt Management Co., Inc.

Across 1 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Puerto Rico Consumer Debt Management Co., Inc. contacts you

A grade of F signals how Puerto Rico Consumer Debt Management Co., Inc.'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 Puerto Rico Consumer Debt Management Co., Inc. 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 Puerto Rico Consumer Debt Management Co., Inc. 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 Puerto Rico Consumer Debt Management Co., Inc.? ▼

The most common issue consumers report about Puerto Rico Consumer Debt Management Co., Inc. is "Took or threatened to take negative or legal action", specifically "Seized or attempted to seize your property". This is based on 6 complaints filed with the CFPB.

Are complaints against Puerto Rico Consumer Debt Management Co., Inc. increasing or decreasing? ▼

Complaints against Puerto Rico Consumer Debt Management Co., Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Puerto Rico Consumer Debt Management Co., Inc.'s reputation grade? ▼

Puerto Rico Consumer Debt Management Co., Inc. has a reputation grade of F (score: 51.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Puerto Rico Consumer Debt Management Co., Inc. respond to consumer complaints? ▼

Puerto Rico Consumer Debt Management Co., Inc. has a 83% timely response rate to CFPB complaints. Consumers disputed the company's response in 100% of cases.

In how many states does Puerto Rico Consumer Debt Management Co., Inc. operate? ▼

Puerto Rico Consumer Debt Management Co., Inc. has received CFPB complaints from consumers in 1 states, with the most complaints from Puerto Rico (5 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.