Can I sue a creditor for harassment?

In some circumstances you can claim any financial loss (such as lost wages), or non-financial loss (such as distress, inconvenience or humiliation) you have suffered if a creditor or debt collector engages in harassment, prohibited debt collection practices or other unlawful debt collection practices.

Can I sue a debt collector for emotional distress?

You have the right to sue a debt collector, creditor, or agency if they are harassing you. This kind of behavior from a debt collector can cause emotional hardship such as stress and anxiety. These things impact the consumer, as well as close family and friends.

How do I complain about a debt collection agency?

You can complain to the Financial Ombudsman Service (FOS) about how a creditor or debt collection agency has behaved when dealing with your account. The service is free and independent. FOS will look at your complaint and decide if the creditor or debt collection agency has treated you fairly.

How to report a collection agency or debt collector for harassment?

File a complaint with the Consumer Financial Protection Bureau. If you’ve done your research and have found the collection agency to be in violation of the FDCPA, the next step to take is to file a complaint with the Consumer Financial Protection Bureau.

What should I do if I receive a complaint from a creditor?

Evidence can help to support your complaint and make it easier for your creditor or supplier to investigate. If your creditor complaint relates to debt collector phone calls or visits to your home it’s a good idea to keep a list of the dates, times and names of callers.

What can you do if a debt collector violates the FDCPA?

Consumers can contact the FTC with FDCPA concerns. You can file an online complaint using the FTC’s Complaint Assistant at Consumers may also contact the Consumer Financial Protection Bureau (CFPB).

Why do you need to file a complaint with the Consumer Financial Protection Bureau?

Submit a complaint. Complaints give us insights into problems people are experiencing in the marketplace and help us regulate consumer financial products and services under existing federal consumer financial laws, enforce those laws judiciously, and educate and empower consumers to make informed financial decisions.