Scam Types
Debt Collection Scams
Scam type — FTC & BBB data
The FTC and BBB track fraud by category. This page summarizes the data for this scam type and how to protect yourself.
Last updated: March 2026
FTC Consumer Sentinel (national)
- Reports: 49,000
- Total loss: $45M
- Median loss: $200
BBB Scam Tracker 2024
- Reports 2024: 3,456
- Risk score: 6.5
- Median loss: $300
- Top contact: Phone
What is this scam?
Fake debt collectors threatening arrest or legal action for debts that don't exist or have already been paid.
How to avoid & report
- Never send money or gift cards to someone you have not met in person.
- Verify contact details independently (official website, phone number).
- Report to the FTC at reportfraud.ftc.gov.
- File a complaint with the BBB at bbb.org/file-a-complaint.