When does harrassment on the job become serious enough to file charges? I am not terminated yet and have went to HR and Administration.

Harassment itself, while reprehensible, is not illegal.  But,  If (and only when) harassment is a consequence of a "protected characteristic" such as the victim's race, color, creed, gender, national origin, age (if the victim is over 40), disability, military or veteran status, etc. or that is part of retaliation for the victim's exercise of rights protected by federal laws (e.g., to oppose or provide evidence in another person's discrimination case) it may be considered unlawful.  This is the motivation element of harassment     And then  . . .  harassment that meets the motivation test will only be considered legally significant if it either:  (1)  unreasonably interferes with your ability to perform your job; or (2) is so frequent, widespread, or otherwise pervasive in the workplace that it changes the workplace by becoming a regular part of the victim's working environment. This is the severity element. If you can show that the treatment you are suffering from meets both the motivational element and the severity element then you may have a case of unlawfully discriminatory harassment.  Keep in mind that you must file the EEOC charge not later than 180 days after the act of unlawfully discriminatory harassment to obtain a remedy for the act.