Bank and Credit Product Complaints

Report problems with your bank, financial institution, lender, or broker. The Federal Reserve offers <a href="http://forms.federalreserveconsumerhelp.gov/secure/complaint/complaintType">tips to help you </a>file a complaint:<ul><li>Contact the branch manager, the customer service hotline, or the institution's website.</li><li>Explain your problem and how you would like the bank to resolve it. <a href="http://theblogbuster.com/complaint-letter">Use this sample complaint letter</a> for tips on what to include in your complaint.</li><li>Provide copies of receipts, checks, or other proof of the transaction.</li></ul>If the bank doesn't help, get help from the correct regulatory agency.<h3>Complaints About Deposit Accounts</h3>Several government agencies regulate financial institutions. <a href="http://www.ffiec.gov/consumercenter/default.aspx">Find out which agency</a> accepts complaints about your financial institution. <ul><li>Contact the <a href="http://www.helpwithmybank.gov/file-a-complaint/index-file-a-complaint.html">Office of the Comptroller of the Currency</a> for complaints about<ul><li>a national bank (has National in its name, or N.A at the end)</li><li>federal savings and loans</li><li>federal savings banks.</li></ul></li><li>For a problem with a state-chartered bank and trust company, contact either<ul><li>the <a href="http://www.fdic.gov/consumers/assistance/filecomplaint.html">Federal Deposit Insurance Corporation</a> or</li><li>your <a href="http://www.consumerfinance.gov/ask-cfpb/how-do-i-find-my-states-bank-regulator-en-1637/">state banking authority</a>.</li></ul></li><li>Complain about a federally chartered credit union with the <a href="http://www.mycreditunion.gov/consumer-assistance-center/complaint-process">National Credit Union Administration</a>.</li><li>For a problem with a state-chartered bank that is a member of the Federal Reserve System, contact the <a href="http://federalreserveconsumerhelp.gov/about/consumer-complaint.cfm">Federal Reserve System</a>.</li></ul><h3>Complaints About Other Financial Services</h3>Other agencies handle complaints about other financial products:<ul><li>Complain to the <a href="http://www.consumerfinance.gov/complaint/">Consumer Financial Protection Bureau</a> (CFPB) about:<ul><li>credit reports</li><li>debt collection</li><li>loans</li><li>money transfers</li><li>mortgages </li><li>virtual currency</li></ul></li><li>Complain about investments with the <a href="http://www.sec.gov/complaint/select.shtml">Securities and Exchange Commission</a> or your <a href="http://www.nasaa.org/contact-your-regulator/">state's securities regulator</a>.</li></ul>

Complaints About Mortgage Companies

If you have a complaint against a mortgage company, try to resolve it with the company first. Several government agencies accept complaints about mortgage lenders. In some cases, you should file your complaint with more than one agency, especially at the federal and state level.<h3>Report a Mortgage Company for Discrimination </h3>The Consumer Financial Protection Bureau (CFPB) enforces the <a href="http://www.consumerfinance.gov/fair-lending/">Equal Credit Opportunity Act</a>. This law prohibits lenders from denying credit because of certain characteristics. <a href="http://www.consumerfinance.gov/complaint/">File a complaint with the CFPB</a> if a lender has denied a mortgage application because of your:<ul><li>Age</li><li>Sex (including gender)</li><li>Marital status</li><li>Children</li><li>Race</li><li>Nationality or ethnicity</li><li>Religion</li><li>Income from public assistance programs</li></ul>The Department of Housing and Urban Development (HUD) enforces the <a href="http://www.hud.gov/program_offices/fair_housing_equal_opp/fair_lending">Fair Housing Act</a>. This law prohibits discrimination when you rent, buy, or secure financing for a home. Your state may also have a similar law. <a href="http://www.hud.gov/program_offices/fair_housing_equal_opp/online-complaint">File a complaint with HUD</a> and the fair housing office in your state if a mortgage company discriminated against you because of your:<ul><li>Race</li><li>Color</li><li>National origin</li><li>Religion</li><li>Sex</li><li>Disability</li><li>Presence of children</li></ul><h3>File a Complaint About Mortgage Company Services</h3><a href="http://www.consumerfinance.gov/policy-compliance/rulemaking/final-rules/code-federal-regulations/">The CFPB enforces several laws</a>, such as the <a href="http://www.ftc.gov/enforcement/statutes/truth-lending-act">Truth in Lending Act</a> and the <a href="http://www.hud.gov/hudprograms/respa">Real Estate Settlement Procedures Act</a>. These laws require lenders to disclose information to homebuyers before buying and over the life of the mortgage. <a href="http://www.consumerfinance.gov/complaint/">File a complaint with the CFPB</a> if you have a problem with a new or existing mortgage. Examples of common mortgage complaints include:<ul><li>Applying for a mortgage</li><li>Receiving loan estimates and closing documents</li><li>Transferring a mortgage to another servicer</li><li>Applying your payments correctly</li><li>Refinancing or modifying a mortgage loan</li><li>Misreporting mortgage account status to you or to credit reporting agencies</li><li>Requiring private mortgage insurance</li><li>Paying additional fees</li></ul><h3>Report Deceptive Mortgage Practices and Scams</h3><a href="http://www.ftc.gov/about-ftc/what-we-do/enforcement-authority">The Federal Trade Commission Act</a> is the primary statute of the Federal Trade Commission (FTC). It states that unfair and deceptive practices affecting commerce are unlawful.<a href="http://www.ftccomplaintassistant.gov/#crnt&panel1-1"> Report a mortgage company to the FTC</a> if it makes deceptive statements, omits important facts, or takes misleading actions. Examples include: <ul><li>False statements about their ability to offer a loan</li><li>Fees for mortgage services that aren’t provided</li><li><a href="http://www.consumer.ftc.gov/articles/debt-collection-faqs">Illegal tactics</a> to collect on mortgage balances</li></ul>Also, <a href="http://theblogbuster.com/state-consumer">file a complaint with your state consumer protection office</a> about a mortgage fraud or scam. <a href="http://www.makinghomeaffordable.gov/get-answers/pages/get-answers-how-avoid-scams.aspx">Submit a complaint about a foreclosure scam</a> with the HOPE NOW Alliance. Call 1-888-995-HOPE (<a href="tel:18889954673">1-888-995-4673</a>) or (TTY <a href="tel:18773049709">1-877-304-9709</a>).

Complaints About Banks and Lenders

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

Contact the branch manager, the customer service hotline, or the institution's website.
Explain your problem and how you would like the bank to resolve it. Use this sample complaint letter for tips on what to include in your complaint.
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

Several government agencies regulate financial institutions. 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)
Xổ số trực tiếp 3 miềnMarital status
Children
Race
Nationality or ethnicity
Religion
Income from public assistance programs

Xổ số trực tiếp 3 miềnThe 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
Xổ số trực tiếp 3 miềnNational 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
Xổ số trực tiếp 3 miềnReceiving loan estimates and closing documents
Xổ số trực tiếp 3 miềnTransferring a mortgage to another servicer
Xổ số trực tiếp 3 miềnApplying your payments correctly
Xổ số trực tiếp 3 miềnRefinancing or modifying a mortgage loan
Misreporting mortgage account status to you or to credit reporting agencies
Xổ số trực tiếp 3 miềnRequiring private mortgage insurance
Xổ số trực tiếp 3 miềnPaying 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. with the HOPE NOW Alliance. Call 1-888-995-HOPE (1-888-995-4673) or (TTY 1-877-304-9709).

Do you have a question?

Xổ số trực tiếp 3 miền Ask a real person any government-related question for free. They'll get you the answer or let you know where to find it.

Last Updated: November 30, 2020

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