Who Do I Report a Scam Debt Collector To

Who Do I Report a Scam Debt Collector To?

Dealing with debt collectors can be a stressful experience, especially if you are being targeted by scam artists posing as legitimate collectors. These scammers often use aggressive tactics to intimidate and deceive individuals into paying debts they may not even owe. If you find yourself in such a situation, it is crucial to know who to report the scam debt collector to in order to protect yourself and others from falling victim to their fraudulent practices. In this article, we will discuss the appropriate authorities to contact and answer some frequently asked questions regarding reporting scam debt collectors.

1. Federal Trade Commission (FTC):
The FTC is a government agency responsible for protecting consumers’ rights and promoting fair business practices. If you have been targeted by a scam debt collector, you should report your experience to the FTC. They have a dedicated online complaint form specifically designed to handle debt collection scams. Additionally, the FTC shares complaint information with law enforcement agencies across the country, helping them track down and prosecute scam artists.

2. Consumer Financial Protection Bureau (CFPB):
The CFPB is another government agency that oversees financial services and protects consumers from unfair practices. They handle complaints related to debt collection and provide resources and guidance to individuals dealing with debt collectors. Reporting the scam debt collector to the CFPB can help them take appropriate actions against the fraudulent entity.

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3. State Attorney General’s Office:
Each state has an Attorney General’s Office responsible for enforcing consumer protection laws. These offices often have divisions or units dedicated to handling complaints related to debt collection scams. Reporting the scam debt collector to your state Attorney General’s Office can lead to investigations and potential legal actions against the scammers.

4. Better Business Bureau (BBB):
The BBB is a nonprofit organization that aims to promote trust and transparency between businesses and consumers. While they do not have legal authority, reporting a scam debt collector to the BBB can help alert others about the fraudulent activity and potentially deter future victims.

5. Your Local Police Department:
If you believe you have been a victim of a scam debt collector, it is important to report the incident to your local police department. Providing them with all the relevant information can help in their investigations and potentially lead to the arrest and prosecution of the scammers.

6. State Banking or Financial Regulators:
In some cases, scam debt collectors may be operating under the guise of a legitimate financial institution. If you suspect this to be the case, it is advisable to report the scam to your state banking or financial regulators. These agencies have the authority to investigate and take action against fraudulent entities operating within their jurisdiction.

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7. Internet Crime Complaint Center (IC3):
If you have been targeted by a scam debt collector online, through email, or any other form of electronic communication, you should report the incident to the IC3. This is a partnership between the FBI and the National White Collar Crime Center (NW3C) that handles complaints related to cybercrime.


1. How can I provide evidence of the scam debt collector’s activities?
It is important to keep any communication, including letters, texts, or emails, from the scam debt collector as evidence. Additionally, record any phone conversations, noting the date, time, and details of the conversation.

2. Will reporting the scam debt collector help me recover my money or resolve the debt?
While reporting the scam debt collector is crucial to protect yourself and others, it does not guarantee the recovery of your money or the resolution of the debt. However, it can lead to legal actions against the scammers and potentially prevent them from victimizing others.

3. Can I report a scam debt collector if I am not the victim?
Yes, you can report a scam debt collector even if you are not the victim. By doing so, you contribute to the prevention and prosecution of fraudulent activities.

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4. Should I stop paying my legitimate debts if I suspect a scam debt collector?
No, it is important to continue paying your legitimate debts. If you are unsure about a debt, ask the collector for written verification and consult with a consumer rights attorney if necessary.

5. Can I sue a scam debt collector?
If you have been a victim of a scam debt collector, you may have grounds to sue them for violating the Fair Debt Collection Practices Act (FDCPA). Consult with a consumer rights attorney to evaluate your case.

6. Should I ignore or block calls from a scam debt collector?
It is generally advisable to avoid engaging with scam debt collectors. If possible, block their number, but keep records of all communication in case you need to report them later.

7. How can I protect myself from scam debt collectors?
Protect yourself by being aware of your rights under the FDCPA, verifying the legitimacy of debt collectors, and never providing personal or financial information to unknown entities. Educate yourself about common debt collection scams to recognize warning signs.

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