(866) 398-3605 is a toll-free number with 58 FTC complaints, about calls between July 11, 2026 and July 16, 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)" (67% 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 58 (unverified consumer reports).
| Call date | Time | Reported from | Complaint type | Call |
|---|---|---|---|---|
| Jul 16, 2026 | 1:30 AM | Shelby Township, Michigan | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 13, 2026 | 2:53 PM | Manhasset, New York | Work from home & other ways to make money | Robocall |
| Jul 13, 2026 | 1:18 PM | Florida | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 13, 2026 | 1:04 PM | Virginia | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 13, 2026 | 12:13 PM | Woodside, New York | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 13, 2026 | 12:03 PM | Monroe, California | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 13, 2026 | 11:22 AM | Pennsylvania | Unwanted Calls | Robocall |
| Jul 13, 2026 | 10:12 AM | Louisiana | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 13, 2026 | 10:07 AM | Michigan | Not specified | Robocall |
| Jul 13, 2026 | 10:02 AM | Randallstown, Maryland | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 13, 2026 | 10:00 AM | Hillsborough, New Jersey | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 13, 2026 | 9:40 AM | Texas | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 13, 2026 | 9:26 AM | San Jose, California | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 13, 2026 | 9:19 AM | St Petersburg, Florida | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 13, 2026 | 9:14 AM | Elk Grove, California | Other | Live caller |
Complaints about (866) 398-3605 have been filed from 12 states. The most reports come from Michigan (4 reports), PLANT CITY, Florida (3 reports), Pennsylvania (3 reports).
| State | City | Reports |
|---|---|---|
| Michigan | Not specified | 4 |
| Florida | PLANT CITY | 3 |
| Pennsylvania | Not specified | 3 |
| Louisiana | Not specified | 2 |
| New Jersey | Hillsborough | 2 |
| Florida | Not specified | 2 |
| Virginia | Not specified | 2 |
| California | MOnterey | 2 |
| Wisconsin | Rockton | 2 |
| Texas | Not specified | 2 |
| California | Monroe | 1 |
| Florida | Gotha | 1 |
| New York | Woodside | 1 |
| New York | Flanders | 1 |
| New York | Manhasset | 1 |
Peak activity occurred in July 2026 with 57 complaints.
| Month | Reports |
|---|---|
| Jul 2026 | 57 |
Of 54 reports that include a call time, 54% came in the afternoon (noon–5 p.m.). 30% were on weekdays, and Sunday was the busiest day.
Of the 57 reports filed about (866) 398-3605, 89% were identified as automated robocalls, 11% were live callers.