1. Write the letter in brief with an assertive tone. Do not insult the recipient. Avoid stating any legal course of action unless you have decided to go for it.
  2. Mention all the necessary facts about the harassment you are facing. Attach references like receipts or canceled checks.
  3. Say you would want the harassment to stop in a direct tone. Mention about the course of actions you would opt for if the harassment continues.
  4. Mention about legal action only if you have decided to go for it.


[Senders Name]
[Address line]
[State, ZIP Code]

[Letter Date]

[Recipients Name]
[Address line]
[State, ZIP Code]

[Subject: Normally bold, summarizes the intention of the letter] -Optional-

Dear [Recipients Name],

Three months have gone by since I received the form asking whether I would like to join your book club, and also, take part in a sweepstake. I filled in the form explicitly stating that while I wanted to take part in the sweepstake and did not wish to join the book club.

Since this point though I have received a new book every fortnight. Each book I have returned to yourself has a marking on the package "not wanted". In the past couple of weeks, you have sent me two letters stating that I now owe a total of $50. After each letter, I have sent you a letter that explains the situation and requesting that no more books are sent. This morning though I have received a statement from a local collection agency that threatens legal action unless I pay the amount owed.

As I never opted to join the book club and have explained the situation on two occasions, I believe that the letter from the collection agency is totally unacceptable. This form of threat and the damage that is being done to my credit rating leaves me only with the option of legal action unless the situation is resolved immediately.


[Senders Name]
[Senders Title] -Optional-

[Enclosures: number] - Optional -
cc: [Name of copy recipient] - Optional -

Sample complaint letter about unwarranted collection.

Further things to consider when writing complaint letters to creditors

Further things to consider when writing complaint letters to creditors

Complaint Letters

Complaint letters are letters written to a certain authority to address an unacceptable or unsatisfactory behavior or situation. They are used to address any offense, wrongdoing, grievance, or resentment arising out of products or services. Basically, complaint letters are used to raise concerns about unfair doings and seek a productive outcome. Some of the most common mistakes people complain about include defective or incomplete order, abnormal delays in sending consignments, mistakes in bills or reminders for payment, dispatching products of wrong quality, or even a neighbor's misconduct.

Complaint letters can be written by anyone for any reason. Provided you have a purpose and the facts to back up your complaint; then you can put together a complaint letter. State the actual complaint and put in all the necessary details such as the number of times the issue has occurred. Mention what actions you expect to be taken regarding your complaint (suggest solutions if necessary). If you are writing a complaint to a home owner about something that happened, explain clearly how the events transpired. Use a cordial and polite tone and ask for a response before closing your letter.

Letters to Creditors

Letters to creditors are letters written to people or companies to whom money is owed. A creditor can be a bank, person, or any financial institution. If you have got some debts, you will definitely find yourself writing letters to creditors at some point. They could be inquiry letters to request information about your debts, cancellation letters to cancel credit agreements, or inform letters to inform the creditors of changes in the payment methods. Letters are a great and powerful tool to use when communicating with your creditors. They can help you to handle tough issues and protect your rights.

When writing letters to creditors, you need to make sure that you have all the required information. Address the letter to the appropriate person and use the right salutation. State clearly why you are writing the letter. Provide important details such as your contact and account information - you can reference this information before the body of the letter. If you had called the recipient regarding the issue, mention that in the letter. Mention other documents enclosed with the letter if any. Be brief and maintain a professional tone. Finish with your full name and signature.

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