CFPB Consumer Complaint Profile

Andreu, Palma & Andreu, PL

What 144 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

144
Total complaints
40
Last 12 months
99.3%
Timely response
7
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, Andreu, Palma & Andreu, PL has accumulated 144 complaints, placing it #1119 by volume. Its on-time response rate is 99.3%, ahead of the 93% median among companies with 100+ complaints.

#1119
of 3,848 companies by volume
99.3%
answered on time
Debt collection
most-complained product
7
states with complaints
Andreu, Palma & Andreu, PL timely response rate 99.3%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Credit card debt 71
Debt collection - I do not know 24
Debt collection - Credit card 22
Debt collection - Other debt 6
Debt collection - Auto debt 4
Debt collection - Other (i.e. phone, health club, etc.) 4
Debt collection - Rental debt 3
Credit card - General-purpose credit card or charge card 3
Checking or savings account - Checking account 1
Credit reporting or other personal consumer reports - Credit reporting 1

Top Issues

1.Attempts to collect debt not owed 31
2.Took or threatened to take negative or legal action 30
3.False statements or representation 22
4.Written notification about debt 19
5.Disclosure verification of debt 14
6.Cont'd attempts collect debt not owed 7
7.Taking/threatening an illegal action 5
8.Threatened to contact someone or share information improperly 3
9.Improper contact or sharing of info 2
10.Incorrect information on your report 2

Complaints by Year

Year Complaints
2013 2
2014 9
2015 4
2016 14
2017 8
2018 3
2019 2
2020 6
2021 4
2022 7
2023 19
2024 18
2025 43
2026 5

Complaints by State (Top 15)

Florida 126
New Jersey 6
Georgia 6
Texas 3
Washington 1
Hawaii 1
Michigan 1

Company Responses

Closed with explanation 134
Closed with non-monetary relief 7
Closed with monetary relief 3

What the CFPB Complaint Record Shows for Andreu, Palma & Andreu, PL

Andreu, Palma & Andreu, PL carries 144 complaints in the CFPB's database, 40 of them filed within the past 12 months. Consumers spanning 7 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

Within the Bureau's 15-day response window, Andreu, Palma & Andreu, PL answers 99.3% of forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. In 25.8% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 6.9% closed with the consumer receiving monetary or non-monetary relief.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does Andreu, Palma & Andreu, PL have?

144 complaints have been filed against Andreu, Palma & Andreu, PL with the CFPB overall - 40 of them in the past year.

Does Andreu, Palma & Andreu, PL respond to complaints on time?

Andreu, Palma & Andreu, PL's CFPB timely-response rate is 99.3%. That is a strong response record by CFPB standards.

What product generates the most complaints for Andreu, Palma & Andreu, PL?

Among all products tied to Andreu, Palma & Andreu, PL, "Debt collection" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with Andreu, Palma & Andreu, PL?

Consumers most often cite "Attempts to collect debt not owed" when complaining about Andreu, Palma & Andreu, PL; the full issue list with counts is above.

How do I file a complaint against Andreu, Palma & Andreu, PL?

You can file a complaint against Andreu, Palma & Andreu, PL directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about Andreu, Palma & Andreu, PL?

The CFPB has recorded complaints against Andreu, Palma & Andreu, PL from 7 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.

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Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.