(866) 398-3705 is a toll-free number with 31 FTC complaints, about calls between July 26, 2026 and September 21, 2026. 1 complaint 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)" (74% 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 31 (unverified consumer reports).
| Call date | Time | Reported from | Complaint type | Call |
|---|---|---|---|---|
| Sep 21, 2026 | 4:31 PM | Milford, Connecticut | Reducing your debt (credit cards, mortgage, student loans) | Live caller |
| Jul 29, 2026 | 11:03 PM | Pennsylvania | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 29, 2026 | 9:47 PM | Davenport, Iowa | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 29, 2026 | 9:04 PM | Las Vegas, Nevada | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 29, 2026 | 7:47 PM | North Port, Florida | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 29, 2026 | 7:43 PM | Palm Beach, Florida | Other | Robocall |
| Jul 29, 2026 | 4:35 PM | Palm Beach, Florida | Other | Robocall |
| Jul 29, 2026 | 4:03 PM | Woodside, California | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 29, 2026 | 4:01 PM | Texas | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 29, 2026 | 3:27 PM | New York | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 29, 2026 | 3:25 PM | Texas | Not specified | – |
| Jul 29, 2026 | 3:15 PM | Florida | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 29, 2026 | 2:20 PM | Floris, Iowa | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
| Jul 29, 2026 | 2:00 PM | Naples, Florida | Other | Robocall |
| Jul 29, 2026 | 1:59 PM | Gainesville, Florida | Reducing your debt (credit cards, mortgage, student loans) | Robocall |
Complaints about (866) 398-3705 have been filed from 14 states. The most reports come from Virginia (3 reports), Florida (3 reports), Gainesville, Florida (2 reports).
| State | City | Reports |
|---|---|---|
| Virginia | Not specified | 3 |
| Florida | Not specified | 3 |
| Florida | Gainesville | 2 |
| Texas | Not specified | 2 |
| Pennsylvania | Not specified | 2 |
| Florida | Palm Beach | 2 |
| Florida | ST PETERSBURG | 1 |
| Nevada | Las Vegas | 1 |
| New Hampshire | Milford | 1 |
| Iowa | Davenport | 1 |
| Connecticut | Milford | 1 |
| New Jersey | Basking Ridge | 1 |
| Georgia | Adairsville | 1 |
| Louisiana | Not specified | 1 |
| Georgia | Not specified | 1 |
Peak activity occurred in July 2026 with 30 complaints.
| Month | Reports |
|---|---|
| Sep 2026 | 1 |
| Jul 2026 | 30 |
Of 31 reports that include a call time, 52% came in the afternoon (noon–5 p.m.). 97% were on weekdays, and Wednesday was the busiest day.
Of the 30 reports filed about (866) 398-3705, 97% were identified as automated robocalls, 3% were live callers.