Debt collector · complaint record
Nelson Cruz & Associates complaints
Filed under Nelson Cruz & Associates LLC
Consumers have filed 377 complaints about Nelson Cruz & Associates since 2015, 73 of them in the last 12 months (+14% on the year before). It answered 0% on time and closed 2% with relief for the customer. The most common problem is took or threatened to take negative or legal action.
Poor response record. How it works
- Complaints on record
- 377
- Last 12 months
- 73
- Answered on time
- 0%
- Closed with relief
- 2%
- Last 30 days
- 0
- Rank
- #256 of 1,963
Since December 2015
+14% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 1, 2026
Most complained-about debt collectors
Nelson Cruz & Associates complaints by month
The busiest month was February 2023 (13 complaints). Complaints in the last 12 months are up 14% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Nelson Cruz & Associates answered last 12 months
- Untimely response73100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/450% on time
- Relief for customers0/401.7% closed with relief
- Complaint trend9/15+14% vs last year
What Nelson Cruz & Associates complaints are about
Top Nelson Cruz & Associates problems last 12 months
Inside "Took or threatened to take negative or legal action"
- Threatened or suggested your credit would be damaged 66
- Threatened to sue you for very old debt 16
- Threatened to arrest you or take you to jail if you do not pay 3
- Sued you without properly notifying you of lawsuit 2
- Seized or attempted to seize your property 2
- Collected or attempted to collect exempt funds 1
Where Nelson Cruz & Associates complaints come from
Most complaints: Texas (82), California (56), Georgia (24), Florida (20), Ohio (19).
Nelson Cruz & Associates compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Viking Client ServicesDebt collection | 73 | 75 | B |
| 2 | Cascade CapitalDebt collection | 7 | 75 | F |
| 3 | First National Collection BureauDebt collection | 46 | 75 | D |
| 4 | Complete Credit SolutionsDebt collection | 55 | 74 | C |
| 5 | Sunset ManagementDebt collection | 53 | 74 | C |
| 6 | M. G. CreditDebt collection | 47 | 73 | D |
| 7 | Nelson Cruz & AssociatesDebt collection | 9 | 73 | F |
| 8 | M.A.R.SDebt collection | 53 | 71 | C |
Compare side by side: Nelson Cruz & Associates vs Viking Client Services · Nelson Cruz & Associates vs Cascade Capital · Nelson Cruz & Associates vs First National Collection Bureau · Nelson Cruz & Associates vs Complete Credit Solutions
What people say about Nelson Cruz & Associates
All experiencesNo experiences with Nelson Cruz & Associates yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Nelson Cruz & Associates complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Sep 30, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Sep 9, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Aug 29, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Aug 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Aug 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Aug 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Aug 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Aug 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Aug 23, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | No timely reply |
| Aug 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Aug 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
Questions about Nelson Cruz & Associates
How many complaints does Nelson Cruz & Associates have?
Nelson Cruz & Associates has 377 complaints on record since December 2015, including 73 in the last 12 months and 0 in the last 30 days. That makes it number 563 of every company by complaints this year.
Does Nelson Cruz & Associates respond to complaints?
Yes. Nelson Cruz & Associates answered 0% of its complaints on time (within 15 days) and closed 2% with relief - money back or a fix. The rest were mostly closed with an explanation only. Its Response Score is 9/100 (grade F).
What do people complain about most with Nelson Cruz & Associates?
The most common problems are took or threatened to take negative or legal action (90), attempts to collect debt not owed (107), written notification about debt (45).
Is Nelson Cruz & Associates legit?
Nelson Cruz & Associates is a real company with a public complaint record: consumers have complained about it 377 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Nelson Cruz & Associates legit? for the signals, red flags and how to protect yourself.
Are complaints about Nelson Cruz & Associates going up or down?
Up. There were 73 complaints in the last 12 months against 64 in the 12 before (+14%). See every month.
How do I file a complaint against Nelson Cruz & Associates?
Complain to Nelson Cruz & Associates in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Nelson Cruz & Associates complaints come from?
Most come from Texas (82), California (56), Georgia (24). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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