Complaints About Banks and Lenders

Learn how to complain about a problem with a bank or a lending company, such as a mortgage provider.

file a complaint:

• Contact the branch manager, the customer service hotline, or the institution's website.
• Use this sample complaint letter to explain your problem and how you want the bank to fix it.
• Provide copies of receipts, checks, or other proof of the transaction.

Xổ số trực tiếp 3 miềnIf the bank doesn't help, get help from the correct regulatory agency.

Complaints About Deposit Accounts

accepts complaints about your financial institution. 

• Contact the for complaints about
  • a national bank (has National in its name, or N.A at the end)
  • federal savings and loans
  • federal savings banks.
• For a problem with a state-chartered bank and trust company, contact either
  • the or
  • your .
• Complain about a federally chartered credit union with the .
• For a problem with a state-chartered bank that is a member of the Federal Reserve System, contact the .

Complaints About Other Financial Services

Other agencies handle complaints about other financial products:

• Complain to the  (CFPB) about:
  • credit reports
  • debt collection
  • loans
  • money transfers
  • mortgages  
  • virtual currency
• Complain about investments with the  or your .

. This law prohibits lenders from denying credit because of certain characteristics. if a lender has denied a mortgage application because of your:

• Age

• Xổ số trực tiếp 3 miềnSex (including gender)

• Marital status

• Children

• Race

• Nationality or ethnicity

• Religion

• Income from public assistance programs

The Department of Housing and Urban Development (HUD) enforces the . This law prohibits discrimination when you rent, buy, or secure financing for a home. Your state may also have a similar law. and the fair housing office in your state if a mortgage company discriminated against you because of your:

• Race

• Color

• National origin

• Religion

• Sex

• Disability

• Presence of children

File a Complaint About Mortgage Company Services

, such as the and the . These laws require lenders to disclose information to homebuyers before buying and over the life of the mortgage. if you have a problem with a new or existing mortgage. Examples of common mortgage complaints include:

• Applying for a mortgage

• Receiving loan estimates and closing documents

• Transferring a mortgage to another servicer

• Xổ số trực tiếp 3 miềnApplying your payments correctly

• Refinancing or modifying a mortgage loan

• Misreporting mortgage account status to you or to credit reporting agencies

• Requiring private mortgage insurance

• Paying additional fees

Report Deceptive Mortgage Practices and Scams

is the primary statute of the Federal Trade Commission (FTC). It states that unfair and deceptive practices affecting commerce are unlawful. if it makes deceptive statements, omits important facts, or takes misleading actions. Examples include: 

• Xổ số trực tiếp 3 miềnFalse statements about their ability to offer a loan

• Fees for mortgage services that aren’t provided

• to collect on mortgage balances

Also, file a complaint with your state consumer protection office about a mortgage fraud or scam. Call the at 1-888-995-HOPE (1-888-995-4673) or (TTY 1-877-304-9709).

Xổ số trực tiếp 3 miềnLast Updated: March 5, 2021