(866) 398-3312 is a toll-free number with 62 FTC complaints, about calls between September 28, 2026 and October 19, 2026. It is currently active: 1 complaint came in during the last 30 days. The most common complaint type is "Reducing your debt (credit cards, mortgage, student loans)" (66% of reports).
This number is one of 60 reported numbers in the 866-398-3xxx block, which together have 843 FTC complaints. Callers often rotate through consecutive numbers, so the other 59 numbers may be worth checking too. See every reported number in 866-398-3xxx.
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 62 (unverified consumer reports).
| Call date | Time | Reported from | Complaint type | Call |
|---|---|---|---|---|
| Oct 19, 2026 | 7:00 AM | Florida | Reducing your debt (credit cards, mortgage, student loans) | Live caller |
| Oct 1, 2026 | 10:11 PM | Union, Kentucky | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Oct 1, 2026 | Texas | Other | – | |
| Oct 1, 2026 | Kentucky | Reducing your debt (credit cards, mortgage, student loans) | Live caller | |
| Sep 30, 2026 | 9:16 PM | South River, New Jersey | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Sep 30, 2026 | 8:39 PM | Melbourne Beach, Florida | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Sep 30, 2026 | 8:15 PM | Central, South Carolina | Other | Robocall |
| Sep 30, 2026 | 7:58 PM | Celina, Texas | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Sep 30, 2026 | 7:46 PM | Arleta, California | Calls pretending to be government, businesses, or family and friends | Robocall |
| Sep 30, 2026 | 7:36 PM | Arlington, Tennessee | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Sep 30, 2026 | 7:16 PM | Asbury Park, New York | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Sep 30, 2026 | 7:09 PM | Powell, Ohio | Other | Robocall |
| Sep 30, 2026 | 6:45 PM | Texas | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Sep 30, 2026 | 6:31 PM | Upland, California | Other | Robocall |
| Sep 30, 2026 | 6:10 PM | Omaha, Nebraska | Other | Live caller |
Complaints about (866) 398-3312 have been filed from 13 states. The most reports come from Upland, California (4 reports), Texas (3 reports), Central, South Carolina (3 reports).
| State | City | Reports |
|---|---|---|
| California | Upland | 4 |
| Texas | Not specified | 3 |
| South Carolina | Central | 3 |
| Virginia | Not specified | 3 |
| Washington | Sammamish | 2 |
| Florida | Not specified | 2 |
| North Carolina | NC | 2 |
| California | ALHAMBRA | 2 |
| California | Not specified | 2 |
| New York | Asbury Park | 1 |
| New Hampshire | Not specified | 1 |
| Tennessee | Arlington | 1 |
| Texas | The Woodlands | 1 |
| California | Arleta | 1 |
| Virginia | Aldie | 1 |
Peak activity occurred in September 2026 with 57 complaints.
| Month | Reports |
|---|---|
| Oct 2026 | 4 |
| Sep 2026 | 57 |
Of 57 reports that include a call time, 51% came in the afternoon (noon–5 p.m.). All were on weekdays, and Wednesday was the busiest day.
Of the 60 reports filed about (866) 398-3312, 88% were identified as automated robocalls, 12% were live callers.