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SUBMIT A COMPLAINT ABOUT A FINANCIAL PRODUCT OR SERVICE

Each week we send about 25,000 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 15 days.




SEE HOW THE COMPLAINT PROCESS WORKS

Watch this short video to find out what to include in your complaint and what
will happen after you submit.

Close

03:27


FIND ANSWERS BEFORE YOU START A COMPLAINT



Which products and services can I complain about?

We currently accept complaints about:

 * Checking and savings accounts
 * Credit cards
 * Credit reports and other personal consumer reports
 * Debt collection
 * Debt and credit management
 * 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

If you don't see the product or service you want to complain about listed, check
out usa.gov to find other places to submit complaints. It includes ways to
submit complaints about phone, internet, and cable companies as well as
companies that sell other products and services and more.

If you think you’ve been a victim of scam, there are a few important steps you
should take right away.

What steps can I take before submitting a complaint?

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.

Or, you can search for answers to consumers’ most frequently asked financial
questions.

What’s most important for me to include in a complaint?

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.

How does the CFPB share my complaint data?
 * 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 federal agency and let you know.
 * Consistent with applicable law, we share your complaint with certain state
   and federal agencies to, among other things, facilitate:
   * supervision of companies,
   * enforcement activities, and
   * monitoring of the market for consumer financial products and services.
 * We publish complaint data (without information that directly identifies you)
   in our Consumer Complaint Database.

What happens after I submit a complaint?

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. Learn more about how we share complaint data.

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.

What should I do if I think I've been a victim of a scam?

If you suspect a scam, there are a few important steps you should take right
away.

 1. Contact your local police or sheriff’s office to report the scam.
 2. Contact your state attorney general. Visit the National Association of
    Attorneys General website for the contact information of each state attorney
    general.
 3. If the victim is an older person or a person with a disability, contact your
    local adult protective services agency. You can find your state or local
    agency that receives and investigates reports of suspected elder financial
    exploitation by using the online Eldercare Locator or calling (800)
    677-1116.
 4. If you or someone you care about is the victim of a fraud, scam or financial
    exploitation, you can report the fraud or scam to the Federal Trade
    Commission.

Because all scams are different, you might have to reach out to a number of
other local, state, and federal agencies depending on your situation.


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.

Start a new complaint




 * Learn more about how we share your complaint data
 * If you've already submitted a complaint, you can check the status of your
   complaint.


WITNESS A VIOLATION WHILE WORKING FOR A COMPANY?

You can report a tip to us, through a separate process if you are a current or
former employee of a company that has violated federal consumer financial laws
or if you are an industry insider who knows about such a company.

Alert us of a potential violation


HAVE A QUESTION? ¿PREGUNTAS?

If you can't submit online (7–10 minutes), you can submit over the phone (25–30
minutes). More than 180 languages are available.

Call: (855) 411-2372
TTY/TDD: (855) 729-2372

8 a.m. to 8 p.m. ET, Monday through Friday (except federal holidays).


HOW WE SHARE COMPLAINTS

Consistent with applicable law, we securely share complaints with other state
and federal agencies to, among other things, facilitate:

 * supervision activities,
 * enforcement activities, and
 * monitor the market for consumer financial products and services.

We also publish complaint data (without information that directly identifies
you) in our Consumer Complaint Database.

 * Learn more about how we share your complaint data

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