Debt collection -- Took or threatened to take negative or legal action -- Complaint #18145502
Complaint Overview
Complaint ID: 18145502
Company: Nelson Cruz & Associates LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Texas
ZIP Code: 77396
Date Received: 2025-12-03T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.
Frequently Asked Questions
What is Complaint #18145502 about?
Complaint #18145502 was filed against Nelson Cruz & Associates LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-12-03T12:00:00-05:00.
How did Nelson Cruz & Associates LLC respond to this complaint?
The company responded with: "Untimely response". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Nelson Cruz & Associates LLC?
Yes, visit the Nelson Cruz & Associates LLC company profile at readthecomplaint.com/company/nelson-cruz-associates-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.