State complaint profile

Debt collection complaints in Puerto Rico

1,454 CFPB complaints filed against 286 debt collectors active in Puerto Rico.

Complaints
1,454
Collectors
286
Top collector
Encore Capital Group Inc.

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

Puerto Rico at a glance

Puerto Rico consumers have filed 1,454 CFPB debt-collection complaints against 286 collectors.

1,454
CFPB complaints filed
286
collectors active here
#1
most-complained: Encore Capital Group Inc.

State-of-residence is the consumer's address at filing, not the collector's. A complaint is a consumer filing, not a proven violation.

Insights: Debt Collection in Puerto Rico

Only 286 collectors appear in the Puerto Rico slice (#50 of 56 by breadth) despite 1,454 filings.

Absolute counts are small, so a single regional collector or a thin national-buyer footprint can swing the ranking. Compare the volume peers below before treating any one name as a statewide pattern.

The collector with the most complaints from Puerto Rico residents in this extract is Encore Capital Group Inc. (17.4% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Most-complained-about collectors in Puerto Rico

By complaints filed from this state

complaints

What this shows These eight collectors draw the most complaints from Puerto Rico residents, usually national bureaus and large debt buyers operating in every state.

Source CFPB Consumer Complaint Database

Where Puerto Rico's 1,454 complaints concentrate

Top-three collectors vs the rest of this state's filings

complaints

What this shows The top three names account for 17.4% of Puerto Rico filings in this extract, a state-specific concentration cut, not a national grade curve.

Source CFPB Consumer Complaint Database

Active Debt Collectors

Sorted by most complaints

Encore Capital Group Inc.

D
109 total complaints ↑ rising

Portfolio Recovery Associates, LLC

D
73 total complaints ↑ rising

Transunion Intermediate Holdings, Inc.

D
71 total complaints ↑ rising

Equifax, Inc.

D
54 total complaints ↑ rising

Transworld Systems Inc

D
54 total complaints → stable

CL Holdings LLC

C
48 total complaints ↑ rising

Experian Information Solutions Inc.

D
38 total complaints ↑ rising

Banco Popular DE Puerto Rico

B
35 total complaints → stable

Genesys National Recovery, Inc.

F
35 total complaints ↑ rising

Synchrony Financial

D
34 total complaints → stable

Citibank, N.a.

D
26 total complaints → stable

Resurgent Capital Services L.P.

D
25 total complaints ↑ rising

Cavalry Investments, LLC

D
24 total complaints → stable

ERC

D
24 total complaints ↓ falling

Firstbank Puerto Rico

C
20 total complaints ↓ falling

I.C. System, Inc.

C
20 total complaints ↑ rising

National Credit Systems,Inc.

D
18 total complaints ↑ rising

Capital ONE Financial Corporation

D
17 total complaints → stable

Zions Debt Holdings

F
17 total complaints ↑ rising

American Express Company

D
16 total complaints ↑ rising

Rodriguez Fernandez Law Offices, LLC

F
16 total complaints → stable

Kriya Capital, LLC

D
15 total complaints ↑ rising

Afni Inc.

D
14 total complaints ↓ falling

Bread Financial Holdings, Inc.

C
14 total complaints ↑ rising

Bank of America, National Association

D
12 total complaints → stable

Island Finance Puerto Rico

C
12 total complaints → stable

Miguel A. Maza & Associates, PSC

B
12 total complaints → stable

Mountain Run Solutions, LLC

F
12 total complaints ↓ falling

Credit Control, LLC

F
11 total complaints ↑ rising

Discover Bank

D
11 total complaints ↓ falling

Jpmorgan Chase & Co.

D
11 total complaints ↑ rising

Navient Solutions, LLC.

D
11 total complaints ↓ falling

Security Credit Services, LLC

D
11 total complaints ↑ rising

CICA Collection Agency, Inc.

C
10 total complaints ↓ falling

Convergent Resources, Inc.

D
9 total complaints ↓ falling

Expert Global Solutions, Inc.

D
9 total complaints ↓ falling

Servicer under contract with Federal Student Aid

F
9 total complaints ↑ rising

The CBE Group, Inc.

D
9 total complaints → stable

Diversified Consultants, Inc.

D
8 total complaints ↓ falling

Kinum, Inc., Indianapolis, IN Branch

D
8 total complaints ↑ rising

United Services Automobile Association

D
8 total complaints → stable

Continental Services Group, Inc. d/b/a ConServe

C
7 total complaints → stable

Pentagon Federal Credit Union

D
7 total complaints ↑ rising

Santander Bancorp

B
7 total complaints ↓ falling

Fidelity National Information Services, Inc. (FNIS)

D
6 total complaints ↓ falling

Iqor US Inc

D
6 total complaints ↓ falling

NRA Group, LLC

D
6 total complaints ↑ rising

ONLINE Information Services, Inc.

D
6 total complaints ↑ rising

Penn Credit Corporation

D
6 total complaints ↓ falling

Radius Global Solutions LLC

D
6 total complaints ↑ rising

If a collector is contacting you in Puerto Rico

Thin filing books still share the national grade curve - verify before treating a local name as unique.

  • Thin state books still share the national grade curve - check the collector's nationwide record, not just this Puerto Rico slice. Browse rankings
  • Demand written debt validation within 30 days of first contact. Validation letter
  • With few local filings, peer-state profiles are the fastest context check before escalating. All states

Complaint volume reflects consumer filings, not collector misconduct or a legal conclusion. This is not legal advice.

Read our methodology - how this data is sourced, computed, and verified.

Read with Puerto Rico

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.

Filing a Complaint as a Puerto Rico Resident

With only 1,454 Puerto Rico filings in this extract, start at the CFPB complaint form for a public record, then confirm whether the Puerto Rico AG or banking regulator offers a state-specific intake - thin books still use the same three-channel pattern. Open the CFPB complaint form.