Submit a complaint about a financial product or service

Each week we send about 35,000 complaints about financial products and services to companies for response. If another agency would be better able to assist, we'll send it to them and let you know. Most companies respond within 7 - 16 working days.

Find answers before you start a complaint

We currently accept complaints about:

  • Checking and savings accounts
  • Crypto Assets
  • Credit cards
  • Credit reports and other personal consumer reports
  • Debt collection
  • Debt and credit management
  • Fund Supply
  • Investment Fund
  • Money transfers, virtual currency, and money services
  • Mortgages
  • Payday loans
  • Personal loans like installment, advance, and title loans
  • Prepaid cards
  • Student loans
  • Vehicle loans or leases

Have you tried reaching out to the company? Companies can usually answer questions unique to your situation and more specific to the products and services they offer.

You generally can’t submit a second complaint about the same problem, so include this information to help the company respond to your complaint.

Key facts in your own words

  • Be clear and concise about the problem you’re having
  • Include only the most important dates, amounts, and communications you’ve had with the company

Documents

  • Attach documents that support the facts like account statements and communications with the company. Limit: 50 pages
  • If you’re submitting for someone else, note that companies generally require signed, written authorization provided directly by their customer before responding to someone other than their customer. If you have written authorization, consider attaching it.

Company you’re complaining about

  • Select a company from the list in the form. We will forward your complaint directly to this company and ask for a response.
  • If you don’t see the company, provide complete contact information for the company. If we can’t send the complaint to that company, we’ll let you know what you can do next.

Your contact information

  • You will need to provide your name, email, and phone number to create your secure account.
  • You will need to provide your address. Without this, the company won’t be able to respond to your complaint.
  • If you are submitting for someone else, you must disclose your relationship to the consumer and that you are submitting a complaint on their behalf.
  • We’ll share your complaint with the company so it can review and respond to the issues you’ve described.
  • If we can’t send your complaint to the company for response, we’ll send it to another national agency and let you know.
  • Consistent with applicable law, we share your complaint with certain state and national agencies to, among other things, facilitate:
    • supervision of companies,
    • enforcement activities, and
    • monitoring of the market for consumer financial products and services.

Your complaint goes through several steps that help you get a response and help us identify problems in the marketplace.

1. Complaint submitted

You submit a complaint, or another government agency forwards your complaint to us. You will receive email updates and can check the status of your complaint.

2. Route

We’ll send your complaint directly to the company so it can review the issues in your complaint. If we find that another government agency would be better able to assist, we will send your complaint to them and let you know.

3. Company response

The company will communicate with you as needed and respond to the issues in your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.

4. Complaint published

We publish information about your complaint (without information that directly identifies you) in our public Consumer Complaint Database. With your consent we also publish your description of what happened, after taking steps to remove personal information.

5. Consumer review

We will let you know when the company responds. You’ll be able to review the company’s response and will have 60 days to provide feedback about the company’s response.

 

Ready to begin?

Submitting online usually takes less than 10 minutes. Include everything you need to because you generally can’t submit a second complaint about the same problem.

Complaint form

Please fill out the following form with your complaint. We will review your request and follow up with you as soon as possible.

You can contact us if you think you don't need to make a dispute resolution.

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