When your rights are violated by a business in the credit industry - whether it's bank, credit bureau, collection agency, or credit repair company - there are several legal entities you can complain to.
The Consumer Financial Protection Bureau takes complaints on credit cards, mortgages, student loans, vehicle and consumer loans, and bank accounts and bank services. Soon, the bureau will also take complaints about credit reporting agencies.
For now, send complaints about collection agencies and credit bureaus to the Federal Trade Commission. The Consumer Financial Protection Bureau may soon start taking complaints on these businesses.
You can send complaints about all type of banks to the Better Business Bureau.
Send complaints about banks with "National" in the name to the Office of the Comptroller of the Currency.
The National Credit Union Association's Department of Consumer protection handles complains for federal credit unions, that is those with "Federal" in the name.
Your State's Credit Union CharterIf your credit union is state chartered, contact your state Department of Financial Institutions, Banking Department, or Credit Union Department to file a complaint.
The Office of Thrift Supervision oversees federal savings and loans (S&L) or federally chartered savings banks (F.S.B.).
The Federal Reserve Board (FRB) regulates state banks.
The FDIC handles compaints about state banks that are not regulated by the Federal Reserve Board.
Consumer action is a national advocacy group that focuses on finance, credit, and telecommunications.