Debt collection
Nelson Cruz & Associates debt collection complaints
Consumers have filed 314 complaints about Nelson Cruz & Associates's debt collection, 67 in the last 12 months (+22%). Nelson Cruz & Associates answered 0% on time and closed - with relief. See the whole Nelson Cruz & Associates record.
Nelson Cruz & Associates against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Nelson Cruz & Associates | 67 | 0% | - |
Latest Nelson Cruz & Associates debt collection complaints
| 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 |
| 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 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 |
| Jul 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jul 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jun 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Jun 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| May 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| May 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| May 22, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| May 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| May 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| May 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| May 6, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| May 4, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Apr 24, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Apr 17, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Apr 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Apr 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Apr 10, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Apr 3, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | No timely reply |
| Mar 31, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Mar 30, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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
Talk about Nelson Cruz & Associates
No comments yet. Start the conversation - questions are welcome too.