(866) 386-5430 is a toll-free number with 54 FTC complaints, about calls between July 21, 2026 and August 3, 2026. 2 complaints came in during the last 90 days, none in the last 30. The most common complaint type is "Reducing your debt (credit cards, mortgage, student loans)" (67% of reports).
This number is one of 68 reported numbers in the 866-386-5xxx block, which together have 779 FTC complaints. Callers often rotate through consecutive numbers, so the other 67 numbers may be worth checking too. See every reported number in 866-386-5xxx.
Debt-relief companies are generally barred by the FTC's Telemarketing Sales Rule from charging fees before they settle or reduce a debt, so a caller asking for money upfront is a red flag. You can report unwanted calls at reportfraud.ftc.gov.
Latest 15 of 54 (unverified consumer reports).
| Call date | Time | Reported from | Complaint type | Call |
|---|---|---|---|---|
| Aug 3, 2026 | 11:00 AM | Peoria, Arizona | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Aug 3, 2026 | 10:00 AM | Peoria, Arizona | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 24, 2026 | Iowa | Reducing your debt (credit cards, mortgage, student loans) | Robocall | |
| Jul 23, 2026 | 11:08 PM | Georgia | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 23, 2026 | 8:42 PM | Brooklyn, New York | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 23, 2026 | 8:26 PM | Montgomery, Alabama | Other | Robocall |
| Jul 23, 2026 | 8:20 PM | Homer Glen, Illinois | Calls pretending to be government, businesses, or family and friends | Robocall |
| Jul 23, 2026 | 7:57 PM | Illinois | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 23, 2026 | 7:17 PM | League City, Texas | Other | Robocall |
| Jul 23, 2026 | 6:20 PM | Florida | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 23, 2026 | 6:18 PM | Houston, Texas | Reducing your debt (credit cards, mortgage, student loans) | Live caller |
| Jul 23, 2026 | 5:35 PM | Riverside, Ohio | Other | Robocall |
| Jul 23, 2026 | 5:28 PM | Cleveland, Tennessee | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 23, 2026 | 4:30 PM | Central, South Carolina | Other | Robocall |
| Jul 23, 2026 | 4:26 PM | California | Calls pretending to be government, businesses, or family and friends | Robocall |
Complaints about (866) 386-5430 have been filed from 12 states. The most reports come from Georgia (3 reports), California (3 reports), Las Vegas, Nevada (2 reports).
| State | City | Reports |
|---|---|---|
| Georgia | Not specified | 3 |
| California | Not specified | 3 |
| Nevada | Las Vegas | 2 |
| Florida | Not specified | 2 |
| Louisiana | Not specified | 2 |
| Arizona | Peoria | 2 |
| Pennsylvania | Not specified | 2 |
| Georgia | Isle of Palms | 1 |
| Ohio | Riverside | 1 |
| California | MOnterey | 1 |
| Florida | De Funiak Springs | 1 |
| Texas | Houston | 1 |
| Florida | ST PETERSBURG | 1 |
| Virginia | Not specified | 1 |
| Texas | League City | 1 |
Peak activity occurred in July 2026 with 51 complaints.
| Month | Reports |
|---|---|
| Aug 2026 | 2 |
| Jul 2026 | 51 |
Of 51 reports that include a call time, 49% came in the afternoon (noon–5 p.m.). All were on weekdays, and Thursday was the busiest day.
Of the 53 reports filed about (866) 386-5430, 89% were identified as automated robocalls, 11% were live callers.