How to Report Debt Collector Harassment
If a debt collector has violated the FDCPA or engaged in harassing behavior, you have several options for reporting the misconduct.
Where to File Complaints
- 1. Consumer Financial Protection Bureau (CFPB)
- You can submit a complaint online, and the CFPB will forward it to the company for response.
- 2. Federal Trade Commission (FTC)
- The FTC tracks complaints and uses them to detect patterns of abuse.
- 3. State Attorney General's Office
- 4. Better Business Bureau (BBB)
What Information to Include
- The name and contact information of the debt collection company
- Dates and times of harassing calls or communications
- Copies of letters, emails, or text messages
- Details of what was said during phone calls
- The account or reference number (if known)
Consider Legal Action
Depending on the severity and frequency of the violations, you may wish to consult with a licensed consumer protection attorney about potential legal remedies under the FDCPA.
Disclaimer
This guide is for informational purposes only and does not constitute legal advice. Every situation is different. Consult a licensed attorney for advice tailored to your circumstances.