Seeing eBay collections on your credit report can be frustrating and confusing, especially if you weren’t expecting it. eBay, headquartered in San Jose, California, is one of the largest online marketplaces, connecting buyers and sellers around the world.
But if you fall behind on certain eBay-related fees, your account could be sent to collections—and that can damage your credit score.
Here’s exactly how to handle eBay collections and what steps to take to remove them from your credit report.
Why Is eBay Collections Showing on Your Credit Report?
If you owe money to eBay—such as seller fees, subscription fees for an eBay Store, or fees tied to their managed payments system—and don’t pay, eBay may turn the debt over to a collection agency. Once that happens, you might see eBay or the name of the collection agency listed on your credit report as a collections account.
Collections can stay on your report for up to seven years, making it harder to qualify for loans, credit cards, or rental housing.
How to Remove eBay Collections From Your Credit Report
There are a few ways to try to remove eBay collections from your credit report:
- Dispute Errors: If the account is inaccurate or doesn’t belong to you, file a dispute with the credit bureaus. They are required to investigate and remove incorrect information.
- Negotiate a Pay-for-Delete: You may be able to offer payment in exchange for having the account removed from your report. Get any agreement in writing before making payment.
- Hire a Credit Repair Company: Professional credit repair services deal with collection agencies regularly and can help you challenge negative marks like eBay collections.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay eBay Collections?
Before contacting the collection agency or making payments, confirm the debt is valid and accurately reported. Credit reports often contain errors, and paying an invalid or expired debt can sometimes restart the collection clock, making things worse.
If you’re unsure how to handle the situation, consider working with a trusted credit repair company to help guide the process.
Can eBay’s Collection Agency Sue You or Garnish Your Wages?
A collection agency working on behalf of eBay can sue you for unpaid debts. If they win the case and obtain a court judgment, they may be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
Whether they can take these actions depends on your state’s laws. Lawsuits and wage garnishment are usually a last resort, as most agencies prefer to settle or set up a payment plan first.
eBay Contact Information
- Address:
eBay, Inc.
2025 Hamilton Ave
San Jose, CA 95125 - Phone:
(866) 540-3229
eBay Collection Agency Complaints
Many collection agencies working with eBay accounts have complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect information on credit reports
- Harassment or repeated phone calls
- Failure to verify debts
If you experience these issues, you can file a complaint:
- CFPB: Submit online at consumerfinance.gov or call (855) 411-2372
- BBB: File a complaint at bbb.org
Your Rights When Dealing With eBay Collections
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights when dealing with debt collectors. Your rights include:
- You can dispute incorrect or incomplete information on your credit report.
- You can request debt validation. The agency must prove the debt is yours and the amount is accurate within 30 days of your written request.
- Collectors cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collector when contacting you.
- They cannot threaten you with arrest or jail for unpaid debts.
If your rights are violated, report the collector to the CFPB or seek legal advice.
Remove eBay Collections From Your Credit Report Today
Dealing with eBay collections? You don’t have to do it alone. Credit Saint has helped thousands of people challenge negative marks, including collections tied to eBay.
They even offer a 90-day money-back guarantee if no questionable negative items are removed from your credit report within the first 90 days. To qualify, you must stay active, submit ID within five days, make all payments, and avoid adding new negative marks during the process.
Ready to take the next step? Visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
