economy

February 12, 2026

Can you file a complaint against a debt collector?

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Can you file a complaint against a debt collector?

TL;DR

  • The Fair Debt Collection Practices Act (FDCPA) outlines consumer rights and prohibits abusive debt collection practices.
  • Consumers can file complaints against debt collectors for violations with the CFPB, state attorney general, or FTC.
  • Valid reasons for complaints include harassment, threats, disclosure of debt to third parties, and attempting to collect debts not owed or already paid.
  • Filing complaints addresses illegal tactics but does not resolve the debt itself.
  • Debt relief options such as debt settlement or debt management through credit counseling can offer a more comprehensive solution to outstanding debts.

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