How to Report Harassment Credit Card Calls

The Federal Fair Debt Collection Practice Act of 1978 prohibits companies from using abusive or dishonest tactics to collect a debt. For instance, credit card companies can call their customers only between the hours of 8 a.m. and 9 p.m. They cannot harass your employer or threaten family members to obtain personal information about you. If you feel harassed by a credit card company or its collectors, you can report their behavior in a variety of ways. Simply choose the option that best suits your needs or situation.

Instructions

1

Contact a credit bureau if you believe the companys charges against you are baseless. Ask the credit bureau to investigate the charges. Ensure that the claims are removed from your credit report if you are proven right.

2

Report your case to the Federal Trade Commission, specifically the Department of Financial Practices, if the charges against you are valid yet the company practices abusive tactics. Visit the FTC online at ftc.gov or call 877-FTC-HELP. Take advantage of the FTCs credit counseling services if necessary.

3

Register a grievance with your states attorney generals office. Complete an online complaint form, call the office to discuss your case or visit in person if possible.

4

Voice your harassment concerns to the National Association of Consumer Advocates if youre considering legal action. Take full advantage of its database of lawyers.

5

Hire an attorney. File a suit against the credit card company or collection agency for unlawful activity, such as harassment and abuse.

6

Issue a cease and desist letter to the credit card company or debt collector. Cite the instances of harassment in the letter. Keep in mind that sending such a letter usually results in the creditor's sending your account to a debt collector, so this effort may serve as a last resort.