FDCPA Violations: Reporting & Legal Recourse for Consumers

The Fair Debt Collection Practices Act (FDCPA) provides a set of guidelines that all debt collectors are required to follow when collecting debts. If a collection agency violates any of the regulations in the FDCPA, you can report the violation or sue the company.

Report FDCPA Violations to the Federal Trade Commission

The Federal Trade Commission (FTC) is responsible for protecting America’s consumers from illegal and unethical business tactics. Should a debt collector violate FDCPA guidelines, you can use the FTC’s online complaint form to notify the organization of illegal activity. Although the FTC does not remedy individual situations, if it enough consumers file reports against a debt collection agency, the FTC will launch a formal investigation into the company’s business practices.

Inform Your State’s Attorney General

Your state’s attorney general is a consumer advocate for all of the state's residents. The attorney general has the authority to file a lawsuit against a collection agency on the state’s behalf and may recommend the revocation of any company’s license to conduct business in your state.

Complain to the Better Business Bureau

The Better Business Bureau keeps detailed records of various companies’ business practices and consumer complaints against companies. You may file a complaint against a collection agency with the BBB at any time, but unless the company is a member of the BBB you cannot request arbitration.