Debbie: Excessive contact
“They were calling maybe thirty to forty times a day, two or three times in the same minute.”
Debbie told us that she was frustrated by the amount of calls she received about a debt she didn’t understand.
Debbie is not alone
About 1 in 6 consumers with a debt in collection was contacted eight or more times per week.
Source: CFPB research report: Consumer Experiences with Debt Collection, 2017
Share your debt collection experience
The more we hear from you, the more insight we gain into what’s happening in the financial world and how it’s affecting you. Your experience will help inform how we work to protect consumers to create a fairer marketplace.
Steps you can take if you’re in a situation like Debbie
Get help replying
Do you need to write a debt collector about a debt or dispute? Do you want them to stop calling you? We have action letters that you can use to start those conversations and more.
Here are some commonly asked questions related to excessive contact:
- Is there a limit to how many times a debt collector can call me?
- Can debt collectors call me anytime they want, day or night?
- How can I stop debt collectors from contacting me?
Submit a complaint
Having an issue with debt collection and need a response from a company? Submit a complaint – we’ll forward your complaint to the company and work to get a response from them.
Learn more about debt collection
Our resources will help you understand how debt collection works, what your rights are, and help you address other questions you may have about debt collection.
What we’re doing
In July 2016, we outlined a number of proposals under consideration regarding debt collection, including:
- Improving the quality of information about the debt being collected
- Limiting the frequency with which debt collectors may contact consumers
- Improving the information that consumers have at the outset of collections
- Improving consumer understanding of the debt collection process
Ana: Debts you don‘t owe
Ana told us that she received letters in the mail requesting she pay over $30,000 in homeowners’ association fees—fees she had already paid.
Captain Jamison: Trouble with mortgage lenders
When a servicemember couldn’t get anywhere with his mortgage lender, Captain Jamison helped him submit a complaint.
Jorge: Credit reporting errors
More than ten years after filing for bankruptcy, Jorge found that the bankruptcy was still showing up on his credit report. After getting nowhere with the credit reporting agency, Jorge reached out to the CFPB.
More stories about debt collection
Consumers across the country shared their experiences with debt collection.