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Debt collection

Taking/threatening an illegal action

Consumers have filed 8,793 complaints about this, against 1,299 companies. The most complained-about is Encore Capital.

Companies with the most

All time.

In more detail

  • Threatened to sue on too old debt2,69031%
  • Threatened arrest/jail if do not pay2,25326%
  • Sued w/o proper notification of suit1,38716%
  • Seized/Attempted to seize property1,15913%
  • Attempted to/Collected exempt funds90310%
  • Sued where didn't live/sign for debt4015%

By month

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Apr 21, 2017JPMorgan ChaseDebt collectionTaking/threatening an illegal actionThreatened to sue on too old debtMDExplainedYes
Apr 21, 2017Professional Service BureauDebt collectionTaking/threatening an illegal actionAttempted to/Collected exempt fundsMNExplainedYes
Apr 21, 2017Army and Air Force Exchange ServiceDebt collectionTaking/threatening an illegal actionAttempted to/Collected exempt fundsMDExplainedYes
Apr 21, 2017Financial Credit ServiceDebt collectionTaking/threatening an illegal actionThreatened to sue on too old debtMDExplainedYes
Apr 21, 2017CitibankDebt collectionTaking/threatening an illegal actionThreatened to sue on too old debtCAExplainedYes
Apr 21, 2017Winn Law Group, ApcDebt collectionTaking/threatening an illegal actionSued w/o proper notification of suitCAExplainedYes
Apr 21, 2017Ad Astra Recovery ServicesDebt collectionTaking/threatening an illegal actionThreatened to sue on too old debtTXExplainedYes
Apr 21, 2017Professional FinanceDebt collectionTaking/threatening an illegal actionThreatened to sue on too old debtWYExplainedYes
Apr 21, 2017National Credit AdjustersDebt collectionTaking/threatening an illegal actionThreatened to sue on too old debtSDExplainedYes
Apr 21, 2017DiscoverDebt collectionTaking/threatening an illegal actionSued w/o proper notification of suitCAExplainedYes
Apr 21, 2017AAA CollectionsDebt collectionTaking/threatening an illegal actionAttempted to/Collected exempt fundsSDExplainedYes
Apr 20, 2017Pinnacle RecoveryDebt collectionTaking/threatening an illegal actionSued w/o proper notification of suitORMoney backYes
Apr 20, 2017Velocity Portfolio GroupDebt collectionTaking/threatening an illegal actionAttempted to/Collected exempt fundsRIExplainedNo
Apr 20, 2017Coastal Financial SolutionsDebt collectionTaking/threatening an illegal actionThreatened to sue on too old debtCAExplainedYes
Apr 20, 2017Delbert ServicesDebt collectionTaking/threatening an illegal actionThreatened arrest/jail if do not payOKExplainedYes

Your rights with debt collectors

Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.

Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.

General information, not legal advice; rules vary by state. Plain-English guides

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Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

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