How to File a Complaint Against a Creditor Who Has a Cease & Desist Letter Against Them

If you have a creditor that is calling you relentlessly at home and work, you can send a cease and desist letter to the business. Once you send this letter to a creditor, the creditor must stop its contact efforts. While contact by mail is typically permissible, this means that the creditor should no longer try to contact you by phone to collect a debt. Despite this letter, sometimes a credit continues to contact you, which is when you can file a complaint against the creditor with the Federal Trade Commission and your state Attorney General.

Instructions

1

Get the full business name, address and phone number for the creditor that you want to file a complaint against. Usually you can find this information on a recent statement or notice from the creditor. You need this information to fill out your complaint forms.

2

Visit the National Association of Attorney Generals website to view the directory of current state Attorney Generals. The alphabetical list includes a mailing address and the URL for each state. Click on the URL for your state and look for the "File A Consumer Complaint" link on the site. Click on that link to fill out your complaint form online. On the form, you must enter your contact information, the creditor's contact information, the date of the incident, what happened and details as to any documentation to backup the complaint. If you prefer, you can write a letter with the same information and mail it to your state Attorney General's office.

3

File a complaint against the creditor with the Federal Trade Commission via the FTC website. You must enter your contact information, the creditor's contact information, the date of the incident, what happened and details as to any documentation to backup the complaint. The FTC does not take complaints by mail, but does offer a toll-free hotline that you can call if you prefer to give the complaint over the phone instead of online.