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Data / Consumer complaints / Nelson Cruz & Associates LLC / Debt collection

Nelson Cruz & Associates LLC: 135 CFPB complaints about debt collection, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Nelson Cruz & Associates LLC drew 135 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 89.4% of its 151 complaints in that time. The most common issue was “Took or threatened to take negative or legal action”. The company responded on time to 1.5% of them, and 0.0% closed with monetary or other relief.

The request: Watch Nelson Cruz & Associates LLC: each new CFPB complaint about debt collection by issue, with the date and the company response. $10 of work on sign-up, no card.

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  • 135Complaints, last 3 years
  • 89.4%Share of the company's complaints
  • 1.5%Responded on time
  • 0.0%Closed with relief
  • Oct 1, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20266850.4%
12 months to Nov 6, 20255440%
12 months to Nov 6, 2024139.6%

Issues

IssueComplaintsShare
Took or threatened to take negative or legal action6145.2%
Attempts to collect debt not owed4734.8%
Written notification about debt128.9%
False statements or representation96.7%
Communication tactics53.7%
Threatened to contact someone or share information improperly10.7%

How the company responded

Company responseComplaintsShare
Untimely response12088.9%
Closed with explanation1511.1%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Texas3324.4%
California2619.3%
South Carolina118.1%
Arizona96.7%
Louisiana64.4%
Mississippi64.4%
Ohio53.7%
Alabama43%
Florida43%
Georgia43%
Kentucky43%
Indiana32.2%
Michigan32.2%
Virginia32.2%
North Carolina21.5%
Nebraska21.5%
Arkansas10.7%
Connecticut10.7%
Delaware10.7%
Maryland10.7%
Minnesota10.7%
Missouri10.7%
New Jersey10.7%
Nevada10.7%
Oklahoma10.7%

Latest 25 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 1, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
September 30, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
August 29, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
August 28, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
August 27, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
August 26, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
August 24, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
August 24, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
August 18, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
August 7, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
July 30, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
July 14, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
June 26, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
June 7, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
May 29, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
May 26, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
May 22, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
May 15, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
May 8, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
May 8, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
May 6, 2026Debt collectionTook or threatened to take negative or legal actionUntimely responseconsumerfinance.gov
May 4, 2026Debt collectionWritten notification about debtUntimely responseconsumerfinance.gov
April 24, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
April 17, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov
April 13, 2026Debt collectionAttempts to collect debt not owedUntimely responseconsumerfinance.gov

Also on SpecStream

Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.