I filed two complaints for the same creditor for harrasing phone calls at my job. I made copies and printed out the F.T.C rules %26amp; regs about consumer rights and fair credit act and mailed them to the creditor. I also included the names of the employees on the complaint to the FTC and the personal letter to them. I hope sombody get their *** in trouble.
What happens to a creditor when you file F.T.C complaint?
Nothing. If the creditor is phoning you or your work place and is not violating a state law or regulation, the FTC will do nothing. The federal Fair Debt Collection Practices Act and regulations only apply to debt collectors (people who get paid to collect debts owed to the entity paying them to collect) - not to the creditors themselves. Your state regulations and statutes may provide much better protection.
Even if the rules applied, the FTC would send off a copy of your complaint to the creditor asking for their response. Nothing would happen after that.
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