(866) 398-3545 is a toll-free number with 56 FTC complaints, about calls between June 1, 2026 and July 23, 2026. No new complaints have been filed in the last 90 days; the most recent call reported was about 3 months ago. The most common complaint type is "Reducing your debt (credit cards, mortgage, student loans)" (73% 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 56 (unverified consumer reports).
| Call date | Time | Reported from | Complaint type | Call |
|---|---|---|---|---|
| Jul 23, 2026 | 1:04 PM | Tampa, New Jersey | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 9, 2026 | 4:40 PM | California | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 9, 2026 | 4:30 PM | Kentucky | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 8, 2026 | 3:51 PM | New York | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 8, 2026 | 2:48 PM | Lancaster, Pennsylvania | Other | Live caller |
| Jul 8, 2026 | 1:33 PM | Foxboro, Massachusetts | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 8, 2026 | 12:00 PM | South Carolina | Reducing your debt (credit cards, mortgage, student loans) | Live caller |
| Jul 8, 2026 | 11:18 AM | Lubbock, Texas | Other | Robocall |
| Jul 8, 2026 | 10:54 AM | Michigan | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 8, 2026 | 10:28 AM | Ballston Lake, New York | Other | Live caller |
| Jul 8, 2026 | 9:51 AM | Florida | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 8, 2026 | 9:25 AM | Florida | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 8, 2026 | 9:18 AM | West Palm Beach, Florida | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 8, 2026 | 9:05 AM | Wilmington, North Carolina | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 8, 2026 | 7:13 AM | Virginia | Reducing your debt (credit cards, mortgage, student loans) | – |
Complaints about (866) 398-3545 have been filed from 13 states. The most reports come from California (4 reports), New York (3 reports), Florida (3 reports).
| State | City | Reports |
|---|---|---|
| California | Not specified | 4 |
| New York | Not specified | 3 |
| Florida | Not specified | 3 |
| Texas | Not specified | 3 |
| Montana | Not specified | 2 |
| North Carolina | Wilmington | 2 |
| California | San Diego | 2 |
| Ohio | Not specified | 1 |
| Utah | Central Valley | 1 |
| Texas | Lubbock | 1 |
| New York | New York | 1 |
| North Carolina | Linden | 1 |
| South Carolina | Not specified | 1 |
| Ohio | Fairlawn | 1 |
| Hawaii | Kahului | 1 |
Peak activity occurred in July 2026 with 55 complaints.
| Month | Reports |
|---|---|
| Jul 2026 | 55 |
| Jun 2026 | 1 |
Of 55 reports that include a call time, 36% came in the afternoon (noon–5 p.m.). All were on weekdays, and Tuesday was the busiest day.
Of the 54 reports filed about (866) 398-3545, 87% were identified as automated robocalls, 13% were live callers.