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 6

Sorted by most complaints

Rent Recovery Solutions

F
1 total complaints ↑ rising

Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch

D
1 total complaints ↓ falling

Revenue Recovery Corporation

D
1 total complaints ↓ falling

Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

F
1 total complaints ↑ rising

Santander Holdings USA, Inc.

F
1 total complaints ↑ rising

Squaretwo Financial Corporation

D
1 total complaints ↓ falling

Sa-Vit Enterprises, Inc.

D
1 total complaints ↓ falling

Senex Services Corp.

F
1 total complaints ↓ falling

Sentry Recovery and Collections, Inc.

D
1 total complaints ↑ rising

Shepherd Outsourcing, LLC

F
1 total complaints ↑ rising

Solidus Group LLC.

F
1 total complaints ↓ falling

Southwest Recovery Services, Inc.

D
1 total complaints → stable

Spring Oaks Capital, LLC

F
1 total complaints ↑ rising

Start Connecting dba USA Student Debt Relief

A
1 total complaints ↓ falling

States Recovery Systems, Inc.

D
1 total complaints → stable

Stephens and Michaels Associates, Inc.

C
1 total complaints ↓ falling

Sunnova Energy Corporation

F
1 total complaints → stable

Synerprise Consulting Services, Inc.

C
1 total complaints ↑ rising

Tenet Healthcare Corporation

D
1 total complaints ↓ falling

TSC Accounts Receivable Solutions

F
1 total complaints ↓ falling

Terrill Outsourcing Group

C
1 total complaints ↓ falling

The Outsource Group, Inc

F
1 total complaints ↓ falling

The Thomas Agency, Inc.

F
1 total complaints ↓ falling

Torriere Holdings INC

C
1 total complaints ↑ rising

Toyota Credit De Puerto Rico Corp.

A
1 total complaints ↓ falling

Transform Credit Inc.

D
1 total complaints ↑ rising

Tri-State Adjustments, Inc.

C
1 total complaints ↓ falling

U.s. Bancorp

D
1 total complaints ↓ falling

Upgrade, Inc.

F
1 total complaints ↑ rising

Unifin Inc.

D
1 total complaints ↑ rising

United Check Recovery Bureau, Inc.

C
1 total complaints → stable

Van Ru Credit Corporation

C
1 total complaints ↓ falling

Waypoint Resource Group, LLC

F
1 total complaints ↑ rising

Weltman, Weinberg & Reis Co., L.P.A.

D
1 total complaints ↓ falling

Westlake Services, LLC

D
1 total complaints ↑ rising

World Omni Financial Corp.

C
1 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.