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 0.2% 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. (0.2% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 5

Sorted by most complaints

First Technology Federal Credit Union

D
1 total complaints ↑ rising

Frost-Arnett Company

D
1 total complaints ↓ falling

Global Client Solutions, LLC

C
1 total complaints ↓ falling

General Motors Financial Company, Inc.

D
1 total complaints ↑ rising

HW Holding, Inc

D
1 total complaints → stable

Halsted Financial Services, LLC.

D
1 total complaints ↑ rising

Harpeth Financial Services, LLC

C
1 total complaints ↑ rising

Hillcrest Davidson & Associates

D
1 total complaints ↓ falling

Holloway Credit Solutions

D
1 total complaints ↓ falling

Intercap Services, LLC

1 total complaints ↑ rising

International Collection Agency & Service Inc.

A
1 total complaints ↓ falling

Isla Repossesions & Collection Inc

B
1 total complaints ↓ falling

January Technologies, Inc

F
1 total complaints ↑ rising

Keystone Credit Collections Inc.

F
1 total complaints ↓ falling

Klarna AB

F
1 total complaints ↑ rising

LTD Financial Services, L.P.

D
1 total complaints ↓ falling

Lazega & Johanson LLC

C
1 total complaints ↓ falling

Lendmark Financial Services

D
1 total complaints ↑ rising

Loan Science, LLC

B
1 total complaints ↓ falling

Lockhart, Morris & Montgomery Inc.

D
1 total complaints ↑ rising

M&T Bank Corporation

C
1 total complaints → stable

Mechanics Bank

D
1 total complaints ↑ rising

Mercantile Adjustment Bureau, LLC

D
1 total complaints ↓ falling

Mohela

F
1 total complaints ↑ rising

Maximus Federal Services, Inc.

F
1 total complaints ↑ rising

Med-1 Solutions, LLC

F
1 total complaints ↓ falling

Media Collections, Inc

C
1 total complaints → stable

Mercedes Benz Financial Services

D
1 total complaints ↑ rising

Merchants Credit Bureau, Inc.

D
1 total complaints → stable

Merchants' Credit Guide Company

D
1 total complaints ↓ falling

Nelson Cruz & Associates LLC

F
1 total complaints ↑ rising

North Shore Agency, LLC

C
1 total complaints ↓ falling

Oportun Financial Corporation

C
1 total complaints ↑ rising

ORG GC GP Buyer, LLC

D
1 total complaints ↓ falling

Opportunity Financial, LLC

C
1 total complaints ↑ rising

Orion Portfolio Services, LLC

C
1 total complaints ↓ falling

Overton, Russell, Doerr and Donovan, LLP

F
1 total complaints ↓ falling

Pinnacle Recovery, Inc.

D
1 total complaints ↓ falling

Planet Home Lending, LLC

C
1 total complaints ↑ rising

Paradigm Assets, LLC

D
1 total complaints ↓ falling

Patenaude & Felix A Professional Corporation

D
1 total complaints ↓ falling

Phillips & Cohen Associates, Ltd.

D
1 total complaints → stable

Phoenix Financial Services LLC

D
1 total complaints ↓ falling

Possible Financial Inc

F
1 total complaints ↑ rising

Pressler & Pressler, LLP

D
1 total complaints ↓ falling

Prince Parker & Associates

D
1 total complaints → stable

Profit Services Group

F
1 total complaints ↓ falling

R & B Corporation of Virginia

D
1 total complaints ↓ falling

Rfna, LP

C
1 total complaints ↑ rising

Receivable Recovery Services, LLC

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.