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 0.4% 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. (0.4% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 3

Sorted by most complaints

Axiom Acquisition Ventures, LLC

C
2 total complaints → stable

Barclays Bank Delaware

D
2 total complaints ↑ rising

CNG Financial Corporation

D
2 total complaints → stable

CNG Holdings Inc

C
2 total complaints ↓ falling

Designed Receivable Solutions, Inc.

D
2 total complaints ↓ falling

Ditech Financial LLC

D
2 total complaints ↓ falling

Diversified Adjustment Service, Inc.

D
2 total complaints → stable

Eastern Account Systems of Connecticut, Inc.

D
2 total complaints ↑ rising

Fiserv Finxact Core

F
2 total complaints → stable

FirstPoint Collection Resources

D
2 total complaints → stable

Frontline Asset Strategies, LLC

D
2 total complaints ↓ falling

Global Credit & Collection Corporation

D
2 total complaints ↓ falling

HCFS Healthcare Financial Services of TeamHealth

F
2 total complaints ↓ falling

Hovg, LLC

F
2 total complaints ↓ falling

HSBC North America Holdings Inc.

D
2 total complaints ↓ falling

Healthcare Finance Direct LLC.

F
2 total complaints ↑ rising

LJ Ross Associates

D
2 total complaints ↑ rising

McCarthy, Burgess & Wolff, Inc.

D
2 total complaints ↓ falling

Meridian Financial Services, Inc.

D
2 total complaints ↑ rising

Monarch Recovery Holdings, Inc.

D
2 total complaints → stable

NCB Management Services Inc.

D
2 total complaints ↑ rising

Nelnet, Inc.

D
2 total complaints ↑ rising

Preferred Credit Inc

C
2 total complaints ↑ rising

Partnerships & Investments, LLC

A
2 total complaints ↓ falling

Pendrick Capital Partners Holding, LLC

C
2 total complaints ↓ falling

Performant Financial Corporation

D
2 total complaints ↓ falling

Pinnacle Credit Services, LLC

D
2 total complaints ↓ falling

Professional Debt Mediation, Inc.

F
2 total complaints → stable

R.A.Rogers, Inc.

C
2 total complaints ↓ falling

Reverse Mortgage Solutions, Inc.

B
2 total complaints ↓ falling

SLM Corporation

C
2 total complaints → stable

Santander Consumer USA Holdings Inc.

D
2 total complaints ↓ falling

The Bureaus, Inc.

D
2 total complaints → stable

The CMI Group, Inc.

D
2 total complaints ↓ falling

The Receivable Management Services LLC

D
2 total complaints ↑ rising

Trident Asset Management, L.L.C.

F
2 total complaints ↓ falling

TrueAccord Corp.

D
2 total complaints ↑ rising

URS Holding, LLC

D
2 total complaints ↓ falling

V and H Portfolio

D
2 total complaints ↑ rising

Velocity Portfolio Group

D
2 total complaints → stable

W&A Intermediate Co., LLC

F
2 total complaints ↑ rising

Wells Fargo & Company

D
2 total complaints ↑ rising

Waterfall Revenue Group

F
2 total complaints ↓ falling

Williams & Fudge, Inc

D
2 total complaints → stable

A & O Recovery Solutions, LLC

F
1 total complaints ↑ rising

Acima Credit, LLC

C
1 total complaints ↑ rising

Ally Financial Inc.

D
1 total complaints ↑ rising

AMCOL Systems, Inc.

D
1 total complaints ↓ falling

APEX Asset Management, LLC

F
1 total complaints ↓ falling

AR Resources, Inc.

D
1 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.