Nelson Cruz & Associates LLC
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
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)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Nelson Cruz & Associates LLC
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.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Nelson Cruz & Associates LLC have?
281 debt-collection complaints against Nelson Cruz & Associates LLC appear in the CFPB record - 82.4% of the company's total complaint volume.
Does Nelson Cruz & Associates LLC respond to complaints on time?
46% of the CFPB complaints against Nelson Cruz & Associates LLC get a response within the expected window. That falls well short of the 95% benchmark most collectors clear.
Does Nelson Cruz & Associates LLC provide relief to consumers?
Nelson Cruz & Associates LLC closed 1.2% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does Nelson Cruz & Associates LLC primarily collect?
Based on CFPB complaint records, Nelson Cruz & Associates LLC's primary debt type is "Credit card debt"; the complete breakdown is shown above.
What rights do I have against Nelson Cruz & Associates LLC?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Nelson Cruz & Associates LLC active?
Nelson Cruz & Associates LLC has received consumer complaints from 39 states and territories, based on CFPB 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.