Nelson Cruz Associates LLC

2019-12-01

Los Indios, TX

Threatened to contact someone or share information improperly

Debt collection: I do not know

Talked to a third-party about your debt
Company Response: Closed with explanation

Timely Response

2019-11-21

Bedford, TX

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened to arrest you or take you to jail if you do not pay
Complaint: XX/XX/2019 My wife was contacted, they proceeded to provide her my SSN so she could verify she knew me, instead of asking her to tell them my last 4 of my SSN, after that they proceeded to goad her by threatening to have us arrested, thrown in jail, seize our licenses, and take away all of our property. When she attempted to explain she isn't a party to this debt as it was accquired 6 years before we got married they told her it doesn't matter, Texas is a community property state and she is guilty of my crimes and she will be punished along with me. I had to give my wife XXXX last night as she is a XXXX patient and they way they spoke to her made her nearly go into XXXX XXXX. XX/XX/2019 I was contacted originally by this debt collector and informed that it was a federal student loan, which i checked and verified it was not possible with the DOE, I did not have a federal student loan and could not owe on one. I was promptly informed that the government doesn't know what it's talking about and if I don't pay they will take my licenses, my bank accounts, have me arrested, and ensure i can never get another job again by making sure it was known I was a thief. I was told they did not have to provide proof of debt owed because i should have kept paperwork from 10 years ago about a debt I was told I don't need to worry about when the school got shut down by the DOE. I was informed they would be sure to laugh at me in their office for arguing with them and telling them its not a federal student loan. I was pressured into handing them finical information which i promptly canceled, i only provided a debit card to be charged at a later date to get the phone calls to stop.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2019-11-19

NH

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: XXXX XXXX had a collections account under mine and my wife 's name which was disputed, resolved, and removed from my wife 's account on XX/XX/XXXX. As this amount of {$1400.00} was a joined account, the account was closed and all debts associated with this account should have been dissolved and removed from our credit reports. As mentioned, XX/XX/XXXX it was removed from my wife 's, but not mine. XX/XX/XXXX I started receiving extremely threatening calls from a XXXX XXXX at Nelson Cruz & Associates stating " mine and my wife 's wages would be garnished, our house is being taken away '' constant use of obscenities, threats and more. We explained the debt was disputed and removed. After contacting XXXX XXXX, we saw the account was never removed from my report as it should have been. We disputed the amount due to the situation of the account already being closed out, and send a letter ( certified with return receipt ) stating that as the FCRA allow, we did not want to be contacted about this account as it was being disputed. The harassing calls did not stop there. Upwards of 7 calls a day I am receiving, and now they have my wife 's information and they are threatening her to the point of feeling mentally and physically violated and threatened. The rep who has been harassing me contacted my wife saying that the account is going to go back on her credit even though ti was disputed. And proceeded to throw several obscenities and threats her way to the point of being visible shaken. We are concerned now that this new agency has the information, even though they shouldn't, that they are going to try to get this money for which has already been closed. Are they able to add this back onto my wife 's credit report? What are our rights or next step?
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Untimely Response

2019-10-29

Greenwood, SC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2019-09-24

Corpus Christi, TX

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Received bad information about your loan
Complaint: Nelson Cruz and associates called me and said there is a complaint against my name/ SS number because of a pending student loan. I worked out a deal with them via telephone for them to take out XXXX $ monthly until it is paid. They did this twice. Today XX/XX/19, I go t a call from them saying I do not qualify for the XXXX $ Hardship repayment plan, but I can pay around XXXX $ monthly for 6 months and we will be square. I said I would have to think about it and speak with a friend that was a legal rep. The representative got kind of pushy and told me I only have until XXXX today to make a decision. Anyhow I called the real federal student loan officer and I am up to date at this time. They have never heard of Nelson Cruz and associates. So it was a scam.
Company Response: Closed with explanation

Timely Response

2019-09-20

Houston, TX

Communication tactics

Debt collection: I do not know

Used obscene, profane, or other abusive language
Company Response: Closed with explanation

Timely Response

2019-08-01

Main Office, VA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2019-07-31

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-07-09

Brentwood, TN

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Card was charged for something you did not purchase with the card
Complaint: On XX/XX/XXXX I was called by a creditor Nelson Cruz and Associate they claimed I owed XXXX XXXX XXXX XXXX {$12000.00} from XXXX thru XXXX ... I never had a credit card with XXXX or applied for credit with them ... On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and spoke in someone in customer service along Security and Fraud Dept. I gave them my personal info SS #, DOB, address and they did not have me in there records.. I called XXXX, XXXX and XXXX I ordered my credit report and XXXX XXXX XXXXXXXX XXXX XXXX not on my credit report ... Nelson Cruz and Associate will not give me the bill from XXXX XXXX instead they want to settle for {$4000.00} over the phone, They continue to harass me with threats, arrest, lawsuit, vehicle repossession, wage garnishments ect.. Here are the name and phone.. Nelson Cruz and Associate XXXX XXXX XXXX. XXXX, Tx XXXX phone XXXX or XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-06-27

VA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: For the second time, XXXX XXXX of Nelson Cruz & Associates has talked to me in an abusive manner. Today he threatened to take my social security number and use it illegally. They also talked me in to signing an agreement to paying a debt older than 6 years old ( which is outside of the Tennessee statute of limitations of debt collections ). I have requested to opt out of this more than once. The original debtor, XXXX XXXX, mailed me a letter acknowledging that this debt had been written off several years ago. I have a disabled husband, make minimum wage, and have no help. I can not afford the amount they have locked me into and they will not let me change or stop the amount. Please help. I can not take the abusive calls and threats any longer.
Company Response: Closed with explanation

Timely Response

2019-05-16

VA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to arrest you or take you to jail if you do not pay
Complaint: On XX/XX/XXXX I called back Nelson and Cruz associates and spoke to XXXX XXXX, She asked me why I stopped paying a credit card in XXXX, I explained to her that I had lost my job, I agreed to set up payments for XXXX a month for 4 months, she asked me for my credit card number gave it to her and we hung up. About an hour later checked my account and they had took out XXXX, which I had told her I was on a fixed income and could not afford anymore than XXXX every two weeks. So I called back and she was at lunch and talked to her so called boss XXXX XXXX who proceeded to talk over me and I tell me that service charge was not his fault, and he said did she tell you would could take it out of your banking account for a XXXX charge instead and I said no she never gave me a choice. I said I will just resend my offer and stop the card and he said go ahead and you will get in a lot more trouble, He said that it was my problem I couldn't pay my bills, He kept talking over me and was very hateful, I did call him 2 XXXX words, I hung up and called back and the next operator said that he hated to hear a women cry but, people like me just didn't understand and I said people like who, he said we don't have time to deal with this everyday on the phone. Well isn't that his job? I was very nice when I spoke to XXXX and agreed to pay the bill, but no one gave me a choice of how to pay it, No one told me there was a XXXX service charge. XXXX XXXX is a problem and needs to be reprimanded, but you know what no body cares?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-19

Heidelberg, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-04-07

Dallas, TX

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-03-26

Aurora, CO

Threatened to contact someone or share information improperly

Debt collection: Private student loan debt

Talked to a third-party about your debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-18

Portland, OR

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I have been contacted by this company, they never say the name of it, just that I need to call a " XXXX XXXX '' back ( the number they provided is XXXX ) in regards to " a complaint that has been filed '' against me. They have been calling my family members, who have all asked them to stop calling yet they continue to call. In one instance they called my sister and, after being asked not to contact her again, they responded with profanity along the lines of 'no wonder this person is in this situation with a family like you '. They have also in the past used scare tactics, saying they will start garnishing my wages if I didn't offer to pay in full by the end of the week ( this caused me to have a minor XXXX XXXX that I went to XXXX XXXX for ) ; I have since stopped answering any number I don't recognize for fear of being threatened again. They have never once stated the origin of the debt they are attempting to collect. Upon XXXX the number they provided, " XXXX, XXXX XXXX XXXX '' comes up. I have been unable to confirm if this is the company or not.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2018-12-18

IN

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are being handled
Complaint: XXXX XXXX XXXX is a collection agency that has my student loan. I worked out a voluntary payment arrangement of {$50.00} per month this past summer. I told them over the phone what day to take out the {$50.00} payment each month. They called me and said that the {$50.00} a month can not be accepted anymore and they will recommend wage garnishment. My understanding is as long as I am voluntarily paying they can not garnish my wages or take my tax return. I feel like they are trying to bully me into paying more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-29

Nashville, TN

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: In XX/XX/2012, due to rough life circumstances, I had a van repossessed. In XX/XX/2017, a collection agency by the name of Nelson, Cruz, and associates contacted me about a debt that was turned over to them by XXXX XXXX XXXX for said van. XXXX XXXX XXXX ( who conveniently no longer works for Nelson, Cruz and associates ) offered me a settlement to get this debt paid and cleared off my credit and I have the settlement letter I was sent. I agreed to the offer and began to make the monthly payment we agreed upon. After about XXXX to XXXX of making on time payments, XXXX XXXX called me back and said if I would just pay XXXX lump sum payments totaling {$1000.00}, they would consider my debt paid in full. I sacrificed to make those payments but I did, and I also have the letter that states I made my payments in full, on time, and that there is now a zero balance on behalf of XXXX. However, I've been calling XXXX to find out why they're still reporting me to the credit bureau and they are now ( over a year later and my offered settlement was paid ) XXXX XXXX and XXXX XXXX, directors with XXXX, are trying to tell me that they never approved the settlement amount that Nelson Cruz, the collection company they hired, offered me and they refuse to honor it and demanding I pay them an additional amount of over {$4300.00} for them to just remove this from my credit!! I need help, please.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Untimely Response

2018-11-06

Bellevue, TN

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened to sue you for very old debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-30

AL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2018-10-25

Bellaire, TX

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to sue you for very old debt
Complaint: XX/XX/XXXX Nelson Cruz and Associates XXXX called me telling me I had an old debt with XXXX XXXX and was that I being sued and my home foreclosed on. I have no idea what they are referring to. They refused to send anything in writing. Got very hostile with me. Called my daughter as well. This firm continues to to call my daughter who is a teacher my elderly parents and my sister. XX/XX/XXXX NCA called my elderly parents and bothered them. called my sister as well. I called them back. They refer to cross collateralization on a debt from XXXX. I asked again for them to send me a letter stating what and if I owe. They again refused. They state I owe XXXX XXXX XXXX from a debt from XXXX-XXXX. they can not tell me if its a loan credit card or what. I know on no such debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-10

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Untimely Response

2018-09-21

Ardmore, OK

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-13

Mountain View, OK

False statements or representation

Debt collection: Medical debt

Indicated you were committing crime by not paying debt
Complaint: XX/XX/XXXX I received a phone call from a family member stating that someone called and said that their had been a petition complaint filed against me and that they had documents for me to appear in court and that I needed to call XXXX. And speak with XXXX XXXX who made claims of taking me to court and that he would red flag my license plate and contact the sheriff and the district attorney in my city for them to deal with me. so I call the number and find out it is for a medical bill and as I after being extorted and threatened tried to set up some sort of arrangement to get the bill taken care of wich I have not received since they had an old address I had no clue of this outstanding bill I also tried to negotiate a payment plan wich was declined by the collector and he stated that he would need my checking account or debit card information before he ould do anything ... .wich I find fishy he stated that if I mailed a check I would have to pay more and I would have to pay the full amount in TWO PAYMENTS wich is not an option for me at the moment the collector then asked me for my phone number wich i declined to give since i had his contact information I dont want them calling me ... the collector then said he was done talking and he would be contacting county officials and he would red flag my license plate and have the sheriff serve me
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-08

Lk Buena Vis, FL

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened to sue you for very old debt
Complaint: NELSON CRUZ & ASSOCIATES REP- XXXX XXXX XXXX CONTINUALLY SINCE XX/XX/XXXX I HAVE RECIEVED 13 PHONE CALLS FROM SAME PERSON STATING THAT SHE HAS A FINAL DETERMINATION ON HER DESK AND IT NEEDS MY ATTENTION REGARDING AN ACCOU T THAT IZ 10 YRS OLD AND HAS BEEN CHARGED OFF AND CLOSED.OFF MY CREDIT REPORT. IT WAS A VOLUNTARY REPOSSESION ON A VEHICLE. RECENTLY SHE SAID THEY ARE PUTTING A RIZMAT? ON MY SOCIAL. AND FLAGGING MY SOCIAL FOR THIS. TODAY SHE SAID I NEED MY ATTORNEY OR MYSELF TO CONTACT HER AS SOON AS POSSIBLE. THESE PHONE CALLS ARE BECOMING A PROBLEM AND I FEEL LIKE IM BEING HARASSED FOR SOMETHING THAT DOESNT EVEN EXIST
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2018-08-06

Maiden Rock, WI

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: On XX/XX/2018 my mom was contacted by Nelson Cruz and Associates that I need to contact XXXX at XXXX ext XXXX. I called to find out what this is about, I was told that I owed for a XXXX XXXX XXXX Master card I informed him that I have never had or applied for a XXXX XXXX XXXX credit card. He then transferred me to XXXX the processor that told me that I owed this debit, when stating that I did not owe for a XXXX XXXX XXXX master card she said " that is what they all say if you did not owe for this I would not be calling. I will have the courts place a lien against the title of your car if you do not pay the amount that I told you that you owe. '' I told her that I would contact XXXX XXXX XXXX to find out if I have an outstanding master card with them. XXXX gave me until to day XX/XX/2018 to get my information. I called XXXX XXXX XXXX no XX/XX/2018 after a long time of putting in my ss i was finally transferred to the fraud department, I was then able to talk to an associate at XXXX XXXX XXXX explained what was going on so she checked the system and was unable to find me anywhere in their system as a past or present account holder. Mr. XXXX XXXX called me back today XXXX at XXXX XXXX while I was at work I did wait until I got home to call. when I called back at XXXX XXXX Mr. XXXX XXXX was not at his desk I was transferred to XXXX. When I told her that I contacted XXXX XXXX XXXX and they could not find me I their system anywhere as owing any money she got really nasty with me and told me that I do owe this money, I did ask twice to have any information that have regarding this sent to my address as they seem to know it, was told that they can not do that she did say she would send it to my phone which she has the number. I told her that I called XXXX XXXX XXXX and that they stated that I owed no money for a master card I was told that she was going to put me on hold so that she could get them on the phone to have a conference call. She came back on the line and told me that she was transferring me back to XXXX as she could not call them with me on hold so back to XXXX I went, my phone dropped the call so XXXX called right back to have me hold again while XXXX was on hold with XXXX XXXX XXXX. He came back on the line to tell me that XXXX would call me back when XXXX XXXX XXXX came on the line that was at XXXX XXXX. So after we hung up I Called XXXX XXXX XXXX at XXXX XXXX after many attempts entering my ss I was finally transferred to the fraud division again to another lady than I talked to the 1st time, she also could not find me having a MasterCard that I owed for. I asked if they could send me something in writing stating that I do not owe XXXX XXXX XXXX for a MasterCard or anything else, it was suggested that I go into one of their service centers to get something in writing as I have never been a customer of theirs so they are unable to grant my request. I will drive the 33 miles to get it in writing that I do not owe XXXX XXXX XXXX. I was told that they are going to put this bad debit on my credit report and put a lien on my car all over a MasterCard allegedly that I owe for. I have not put any of the XXXX XXXX XXXX employees names in this but I do have them if you request them.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Untimely Response