Who Can I Write to With Complaints About Collection Agencies?
Even if you didn't pay a debt, you have rights when contacted by a collection agency. The Federal Trade Commission is the primary governing body that regulates such companies, though other officials may be able to help if you have a legitimate complaint about a collection agency.
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Your Basic Rights
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Under the Fair Debt Collection Practices Act (FDCPA), bill collectors cannot threaten you or call you before 8 a.m. or after 9 p.m.
Additional Rights
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If you inform the collection agency in writing to stop calling you at work or home and they continue, this is a violation of the FDCPA and justifies a formal complaint.
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FTC Complaint Process
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If a collection agency is trying to collect on a false debt claim or violating your rights, you can call the FTC at 877-FTC-HELP (877-382-4357) or file a complaint at their website.
Other Complaint Avenues
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Writing to the appropriate branch of the Better Business Bureau and/or to your state Attorney General's office are additional avenues for filing legitimate complaints against collection agencies.
Going to Court
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If a collection agency continues harassing you or trying to collect a debt that is not yours, you may need to take them to court. You can retain an attorney or handle it yourself in small claims court.
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