(866) 398-3178 is a toll-free number with 41 consumer complaints, about calls between August 22, 2026 and October 5, 2026. 41 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)" (76% of reports).
This number is one of 70 reported numbers in the 866-398-3xxx block, which together have 1,174 complaints. Callers often rotate through consecutive numbers, so the other 69 numbers may be worth checking too. See every reported number in 866-398-3xxx.
Federal telemarketing rules generally bar debt-relief companies from charging fees before they settle or reduce a debt, so a caller asking for money upfront is a red flag.
Latest 15 of 41 (unverified consumer reports).
| Call date | Time | Reported from | Complaint type | Call |
|---|---|---|---|---|
| Oct 5, 2026 | 11:14 AM | Brooklyn, Michigan | Calls pretending to be government, businesses, or family and friends | Robocall |
| Aug 26, 2026 | 2:02 PM | New York | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Aug 25, 2026 | 11:29 PM | Cromwell, Connecticut | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Aug 25, 2026 | 7:15 PM | Binghamton, New York | Reducing your debt (credit cards, mortgage, student loans) | Live caller |
| Aug 25, 2026 | 6:21 PM | Gainesville, Florida | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Aug 25, 2026 | 6:01 PM | Virginia | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Aug 25, 2026 | 4:25 PM | Binghamton, New York | Reducing your debt (credit cards, mortgage, student loans) | Live caller |
| Aug 25, 2026 | 4:02 PM | Elizabeth, New Jersey | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Aug 25, 2026 | 3:01 PM | North Carolina | Other | Robocall |
| Aug 25, 2026 | 3:00 PM | Hahira, Georgia | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Aug 25, 2026 | 2:48 PM | Gainesville, Florida | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Aug 25, 2026 | 2:23 PM | Massachusetts | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Aug 25, 2026 | 2:22 PM | Lagrange, Kentucky | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Aug 25, 2026 | 2:07 PM | Newport, Michigan | Other | Robocall |
| Aug 25, 2026 | 2:02 PM | New York | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
Complaints about (866) 398-3178 have been filed from 11 states. The most reports come from North Carolina (4 reports), New York (3 reports), Binghamton, New York (2 reports).
| State | City | Reports |
|---|---|---|
| North Carolina | Not specified | 4 |
| New York | Not specified | 3 |
| New York | Binghamton | 2 |
| Georgia | Not specified | 2 |
| Florida | LAKELAND | 2 |
| Virginia | Not specified | 2 |
| Florida | Not specified | 2 |
| Florida | Gainesville | 2 |
| New Hampshire | Milford | 1 |
| Georgia | Hahira | 1 |
| Connecticut | Not specified | 1 |
| New Jersey | Elizabeth | 1 |
| Michigan | Dewitt | 1 |
| Virginia | Roanoke | 1 |
| Connecticut | Cromwell | 1 |
Peak activity occurred in August 2026 with 40 complaints.
| Month | Reports |
|---|---|
| Oct 2026 | 1 |
| Aug 2026 | 40 |
Of 37 reports that include a call time, 49% came in the afternoon (noon–5 p.m.). 97% were on weekdays, and Tuesday was the busiest day.
Of the 41 reports filed about (866) 398-3178, 85% were identified as automated robocalls, 15% were live callers.