How do I file a complaint against a debt collector?

If you’ve been the victim of debt collection abuse, you can file a complaint against a debt collector in Washington. The first step is to contact the debt collector in writing. Explain the issue and the reasons for your complaint. Include any evidence of the debt collector’s misconduct such as emails, letters, or voicemails. You may also file a complaint with the Washington Department of Financial Institutions. They have a Consumer Services Division that is dedicated to investigating consumer complaints. When filing a complaint with the department, include your name, address, and telephone number; a detailed description of the complaint or problem; and the name and address of the debt collector. You can also file a complaint with the Consumer Financial Protection Bureau (CFPB). The CFPB is responsible for protecting consumers from unfair, deceptive, and abusive practices by certain financial institutions. To file a complaint with the CFPB, provide a clear and detailed description of the issue and provide copies of any relevant documents. Additionally, you can file a lawsuit against the debt collector in small claims court. Before filing a lawsuit, make sure to research your rights under the Washington Consumer Debt Defense Law. This law provides protections against debt collectors, including the right to seek damages. By taking the steps listed above, you can file a complaint against a debt collector in Washington.

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