Texas volume
Consumer & scams
File with your attorney general and with the FTC. Debt collectors also answer to the CFPB and the Fair Debt Collection Practices Act.
Federal floor
Unfair and deceptive practices
The FTC Act and every state’s consumer-protection statute forbid unfair or deceptive acts. Your attorney general is usually the fastest state complaint desk.
Debt collection
The FDCPA limits what third-party collectors may say and do. The CFPB takes complaints and publishes the rules.
Identity theft
Report to IdentityTheft.gov, place a fraud alert or freeze with the credit bureaus, and keep the recovery plan it generates.