Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC
State: MN

Complaint narrative:
XX/XX/XXXX XXXX  XXXX XXXX claiming to be from Nelson Cruz and Associates to collect on balance owed from XXXX XXXX contacted me, my XXXX, and left a voicemail with my XXXX  ' phone. Called the number on my voicemail XXXX the individual answered. Requested documents and options being quoted to be sent via mail, she said that was not possible and talked about something being filed in XXXX XXXX XXXX, asked for clarification and none was given. Said the agent was in conference. Individual said she could not send me documents in the mail, said I should have received an email on a date, but before she could finish she hung up on me. Prior to calling the number left on my voicemail my XXXX  informed me that he was contacted and told I owed a sum of money and that claims would be filed against me in XXXX XXXX XXXX. That same day around XXXX an email from XXXX XXXX was sent to me that was in my spam folder stating my loan was sold to XXXX XXXX XXXX XX/XX/XXXX Nelson Cruz and Associates called me and left voicemail and left voicemail for me to contact them citing a due date of noon XX/XX/XXXX ; also left a voicemail to my XXXX  saying the same thing needing to talk to me. I called the agent, XXXX XXXX, and when I asked for a statement or other verification documents, I was told she could not send me any documentation in the mail. I was threatened with a judgment if I don't make a payment by the end of the month. I had felt intimidated, taken advantage of, and vulnerable asking for options or a payment plan to be instituted over the course of a year, when asked for a copy of the payment plan to be looked over I was told she could not send it to me, and after first payment due clerical department would send it to me. I was made to feel I had no choice but to make and accept this offer under duress, and was not provided anything in writing ahead of time to read through to know 100 % what I agree to. 
XXXX at one point mentioned in a judgment my property could be at risk and she was trying to protect my property she could see on my credit report, but would not explain what that means. She said at one point I owed {$9300.00} stating she was helping me all she could by reducing what I had to pay to {$4600.00}, but what I was told by both XXXX XXXX ( who purchased the loan ) and the final correspondence from XXXX XXXX ( the original lender ) I only owed {$4600.00}. I only was able to verify that XXXX XXXX XXXX utilized Nelson, Cruz, and Associates because I called XXXX XXXX directly for information regarding the debt I owe. I was told I was in legal review and needed to contact Nelson, Cruz, and Associates directly. Prior to XX/XX/XXXX I had zero correspondence from XXXX XXXX or any other indication that they used Nelson, Cruz and Associate. My last email from XXXX XXXXXXXX XXXX was on XX/XX/XXXX, informing me I would likely receive a letter or email from XXXX XXXX XXXX of which I never received a written correspondence form XXXX XXXX  or Nelson Cruz and Associates. 
Additionally, when I requested statements or other verification on XX/XX/XXXX that identified the debt, could verify it, or otherwise provide information they had permission to collect on this debt, I was declined and have not received an email or physical mail. On XX/XX/XXXX Nelson Cruz agents verified my number on file was accurate, but still contacted and left a message with my brother on XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX Nelson Cruz and Associates attempted to process the first agreed upon payment in my payment plan, it was flagged as potentially suspicious and declined by my bank. The transaction line shown a collection from a XXXX  based Nelson Cruz and Associates, not a XXXX  Based Company, I still had not been provided with a written copy of the payment plan, confirmation or validation of the debt, and after checking what records I had XXXX XXXX numbers werent in line with what I had, with her claiming I had owe an amount over {$9000.00}. This led me to feel that the agent and company I was dealing with may have been fraudulent. Voicing my concerns, I called XXXX XXXX and informed her I would not be providing payment until a copy of the payment plan, verification of the debt, or some other document form XXXX XXXX was provided to me to show good faith on the collectors part. XXXX XXXX accused me of planning this action, that I did not have the money in the account ( I did have the balance available in the account, my banks fraud protection\suspicious transaction system flagged the transaction ), and that I had wasted XXXX hours on the phone with her the day before ( also inaccurate, my cell phone call log shows the call on XX/XX/XXXX as being XXXX minutes and XXXX seconds ). I tried to discuss my concerns including that I have never received a direct email or physical letter from XXXX XXXX either informing me that Nelson, Cruz, and Associates were their representation or to allow verification or disputing of the debt. XXXX XXXX informed me that they reached out several times, but when I asked for dates that emails or letters were sent, XXXX XXXX changed topics, accusing me of hooting and hollering at her. I verbally revoked the right to charge my debit card in the future, and informed that while I am willing to pay what legally and legitimately owe in a fair and balanced manner, I need to see documentation first. XXXX XXXX said she would recommend XXXX XXXX make claims and informed me she will request they reach out to me. 

XX/XX/XXXX This is the date I am writing and submitting this complaint. It has been nearly a full month since my last communication with XXXX XXXX or Nelson Cruz and Associates and I have not received any documentation of an agreed payment plan, statement of debt owed, or formal letter informing me Nelson, Cruz, and Associates are the agent for collection representing XXXX XXXX. On XX/XX/XXXX I receive an alert on my credit report that XXXX XXXX XXXX have placed the debt into collections.

Company response to consumer: Untimely response