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

Puerto Rico filings are dispersed: the top three collectors hold only 1.1% of 1,454 complaints.

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. (1.1% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 2

Sorted by most complaints

Sunrise Credit Services, Inc

D
6 total complaints ↑ rising

AES/Pheaa

D
5 total complaints ↓ falling

Amsher Collection Services, Inc.

D
5 total complaints ↓ falling

Caine & Weiner Company, Inc.

D
5 total complaints ↑ rising

EOS Holdings, Inc.

D
5 total complaints ↓ falling

EdFinancial Services

C
5 total complaints ↑ rising

Financial Recovery Services, Inc.

D
5 total complaints ↓ falling

Puerto Rico Consumer Debt Management Co., Inc.

F
5 total complaints ↓ falling

Sequium Asset Solutions, LLC

F
5 total complaints ↑ rising

Southwest Credit Systems, L.P.

D
5 total complaints → stable

Affirm Holdings, Inc

F
4 total complaints ↑ rising

CCS Financial Services, Inc.

F
4 total complaints ↑ rising

Dynamic Recovery Solutions, LLC

D
4 total complaints ↓ falling

Fair Collections & Outsourcing, Inc.

D
4 total complaints ↑ rising

Firstsource Business Process Services, LLC

D
4 total complaints → stable

GVA Holdings, LLC

C
4 total complaints ↓ falling

Monterey Financial Services LLC

D
4 total complaints ↑ rising

Operating Partners Co., LLC

D
4 total complaints → stable

Rush Collections Agency, Corp.

F
4 total complaints ↑ rising

Receivables Performance Management, LLC

D
4 total complaints ↓ falling

Stellar Recovery, Inc.

D
4 total complaints ↓ falling

T.S. Holdings

F
4 total complaints ↑ rising

TD Bank US Holding Company

D
4 total complaints ↑ rising

ARS National Services, Inc.

C
3 total complaints ↓ falling

Credit Fresh Holdings Inc

F
3 total complaints ↑ rising

Debt Recovery Solutions, LLC

D
3 total complaints → stable

Diverse Funding Associates LLC

D
3 total complaints ↑ rising

Goldman Sachs Bank USA

F
3 total complaints ↑ rising

Harris & Harris, Ltd.

D
3 total complaints ↑ rising

I.q. Data International, Inc.

D
3 total complaints ↓ falling

Island Portfolios Services, LLC

D
3 total complaints ↑ rising

Jim Bottin Enterprises, Inc

D
3 total complaints → stable

MRS BPO, LLC

D
3 total complaints → stable

Medical Data Systems, Inc.

D
3 total complaints ↓ falling

Navy Federal Credit Union

D
3 total complaints ↑ rising

National Enterprise Systems, Inc.

D
3 total complaints ↓ falling

Northstar Location Services, LLC

D
3 total complaints ↓ falling

OFG Bancorp

B
3 total complaints ↑ rising

Paypal Holdings, Inc

D
3 total complaints ↓ falling

ProCollect, Inc.

F
3 total complaints ↑ rising

Select Portfolio Servicing, Inc.

F
3 total complaints ↓ falling

United Collection Bureau, Inc.

D
3 total complaints → stable

Wakefield & Associates, Inc.

F
3 total complaints ↓ falling

A & J Collection

F
2 total complaints ↑ rising

Avante

D
2 total complaints ↓ falling

Aargon Agency, Inc.

F
2 total complaints → stable

Ability Recovery Services, LLC

D
2 total complaints ↑ rising

Absolute Resolutions Corp.

C
2 total complaints ↑ rising

AmeriCollect

D
2 total complaints ↓ falling

Asset Management Outsourcing, Inc.

D
2 total complaints ↓ falling

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.