Nelson Cruz & Associates LLC
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card debt
CFPB collection forwarding receipt
Forwarded record DC-NELSON-CRUZ-ASSOCI Nelson Cruz & Associates LLC
281 DC complaints · rank #287/656 · 46% timely
- DC 281
- RANK #287/656
- TIMELY 46%
- RELIEF 1.2%
- DISPUTE 12%
- STATES 39
- ISSUE Attempts to collect debt no…
- RESP Closed with explanation
- PHOTO Glasser and Glasser, PLC
Volume peers
Photo peer: Glasser and Glasser, PLC (282)
Nelson Cruz & Associates LLC's 281 debt-collection complaints sit next to Glasser and Glasser, PLC (282) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Nelson Cruz & Associates LLC →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 4 |
| 2016 | 17 |
| 2017 | 11 |
| 2018 | 22 |
| 2019 | 15 |
| 2020 | 31 |
| 2021 | 40 |
| 2022 | 31 |
| 2023 | 57 |
| 2024 | 14 |
| 2025 | 80 |
| 2026 | 19 |
Complaints by State (Top 15)
What the CFPB Record Shows for Nelson Cruz & Associates LLC
According to the CFPB Consumer Complaint Database as aggregated by PlainCredit, Nelson Cruz & Associates LLC ranks #287 of 656 debt collectors by debt-collection complaint volume (56th percentile), using the same dc_complaints sort as the Collectors directory. Nelson Cruz & Associates LLC has 281 debt-collection complaints on file with the CFPB, which represents 82.4% of the 341 total complaints the Bureau has received about this entity. Reports have originated from consumers in 39 states and territories, making this a multi-state collection operation as measured by complaint volume. "Credit card debt" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. The specific issue named most is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction with this collector.
The company's timely response rate is 46%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That trails the 95% benchmark badly - persistently late responses are among the strongest predictors of CFPB supervisory attention toward debt collectors. 1.2% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage. The response was formally disputed in 12% of resolved cases, indicating how frequently the initial fix fell short.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Full complaint profile for Nelson Cruz & Associates LLC → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for Nelson Cruz & Associates LLC: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.
Similar complaint volume
Nearest collectors by debt-collection complaint count (281 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (12% here).
Frequently asked questions
How many CFPB debt-collection complaints does Nelson Cruz & Associates LLC have?
281 debt-collection complaints name Nelson Cruz & Associates LLC in this CFPB extract - corpus rank #287/656.
Does Nelson Cruz & Associates LLC respond to CFPB complaints on time?
CFPB complaints against Nelson Cruz & Associates LLC show a 46% timely-response rate.
What issue do consumers cite most about Nelson Cruz & Associates LLC?
The most-cited issue in complaints about Nelson Cruz & Associates LLC is "Attempts to collect debt not owed."
How should I read Nelson Cruz & Associates LLC's CFPB complaint record?
These figures summarize what consumers filed with the CFPB about Nelson Cruz & Associates LLC. They are educational, not advice - see the debt-collection rights and CFPB filing guides for next steps on a live dispute.
Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.