Higinio: Credit card errors

San Juan, PR

“Yo gasté más de tres años tratando de arreglar mi problema con el crédito hasta que contacte al CFPB, que ya a los 30 días me dieron una repuesta y empezaron a ayudarme.”

“I spent more than three years trying to fix my credit problem until I contacted the CFPB, who in 30 days gave me an answer and started helping me.”


After closing a credit card, Higinio was continually charged for debts he had already paid. Three years and hundreds of dollars later he decided to take action.

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Resources for Spanish speakers and those with debt issues

Did you know about our Spanish-language website?

We understand the importance of offering Spanish language resources, so we created a Spanish language website. Check it out and share it with others.

Go to cfpb.gov/es

Ask CFPB en español

Do you have questions about financial products and services? We’ve created a Spanish language version of Ask CFPB to answer commonly asked questions.

Obtener Respuestas

Use these action letters to combat harmful debt collection practices

Do you need to correspond with a debt collector about a debt or dispute? Do you want them to stop calling you? We have action letters that you can use to start those conversations and more.

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