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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  00:00 ## 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](https://www.usa.gov/complaints) 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](https://www.consumerfinance.gov/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/). 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](https://www.consumerfinance.gov/ask-cfpb/) 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](https://www.consumerfinance.gov/data-research/consumer-complaints/). What happens after I submit a complaint? Your complaint goes through [several steps](https://www.consumerfinance.gov/complaint/process/) 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](https://portal.consumerfinance.gov/consumer/) 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](https://www.consumerfinance.gov/complaint/data-use/). #### **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. Can I delete my personal information after submitting a complaint? No. Once you submit a complaint, we must maintain, protect, and dispose of this information, including your personally identifiable information (PII), in accordance with federal records retention requirements. The current retention period for complaints is [25 years](https://www.archives.gov/files/records-mgmt/rcs/schedules/independent-agencies/rg-0587/daa-0587-2023-0002_sf115.pdf). You can read more about how the CFPB collects, uses, and safeguards consumer complaint information in the published [Privacy Impact Assessment (PIA)](https://www.consumerfinance.gov/privacy/privacy-impact-assessments/) and [System of Records Notice (SORN)](https://www.consumerfinance.gov/privacy/system-records-notices/). We hold ourselves accountable for appropriately handling any PII we collect. We train all our employees so they know how to ensure that your information is protected. Learn more about our [privacy program](https://www.consumerfinance.gov/privacy/). 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](https://www.naag.org/find-my-ag/) 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](https://eldercare.acl.gov/Public/Index.aspx) or calling [(800) 677-1116](<tel:(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](https://reportfraud.ftc.gov/#/) 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](https://www.consumerfinance.gov/complaint/credit-and-consumer-reporting-complaint-notice/) - [Learn more about how we share your complaint data](https://www.consumerfinance.gov/complaint/data-use/) - If you've already submitted a complaint, you can [check the status of your complaint](https://portal.consumerfinance.gov/consumer/s/). ### 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](https://www.consumerfinance.gov/enforcement/information-industry-whistleblowers/) *** Page last modified Apr. 7, 2026 @ 02:31 PM EDT [View older versions of this page at our public archive.](https://wayback.archive-it.org/23481/*/https://www.consumerfinance.gov/complaint/) ## Have a question? If you can't submit online (7–10 minutes), you can submit over the phone (25–30 minutes). Call: [(855) 411-2372](<tel:(855) 411-2372>) TTY/TDD: [(855) 729-2372](<tel:(855) 729-2372>) 9 a.m. to 6 p.m. ET, Monday through Friday [(except federal holidays).](https://www.opm.gov/policy-data-oversight/pay-leave/federal-holidays/#url=Overview) ## 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](https://www.consumerfinance.gov/complaint/data-use/) [Back to top](https://www.consumerfinance.gov/complaint/) - [About Us](https://www.consumerfinance.gov/about-us/) - [Contact Us](https://www.consumerfinance.gov/about-us/contact-us/) - [Careers](https://www.consumerfinance.gov/about-us/careers/) - [Events](https://www.consumerfinance.gov/about-us/events/) - [Industry Whistleblowers](https://www.consumerfinance.gov/enforcement/information-industry-whistleblowers/) - [CFPB Ombudsman](https://www.consumerfinance.gov/cfpb-ombudsman/) - [FOIA](https://www.consumerfinance.gov/foia-requests/) - [Privacy](https://www.consumerfinance.gov/privacy/) - [Website Privacy Policy & Legal Notices](https://www.consumerfinance.gov/privacy/website-privacy-policy/) - [Data](https://www.consumerfinance.gov/data/) - [Open Government](https://www.consumerfinance.gov/open-government/) - [Information Quality Guidelines](https://www.consumerfinance.gov/open-government/information-quality-guidelines/) - [Office of Minority and Women Inclusion](https://www.consumerfinance.gov/about-us/omwi/) - [Administrative Adjudication](https://www.consumerfinance.gov/administrative-adjudication-proceedings/) - [Plain Writing](https://www.consumerfinance.gov/plain-writing/) - [Accessibility](https://www.consumerfinance.gov/accessibility/) - [Office of Civil Rights](https://www.consumerfinance.gov/office-civil-rights/) - [No FEAR Act & Cummings Act](https://www.consumerfinance.gov/office-civil-rights/no-fear-act-cummings-act/) - [Tribal](https://www.consumerfinance.gov/tribal/) - [USA.gov](https://www.usa.gov/) - [Office of Inspector General](https://oig.federalreserve.gov/) - [Public Archive](https://archive-it.org/organizations/2800) An official website of the United States government

## Submit a complaint about a financial product or service Each week we send more than 100,000 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.  00:00 ## Find answers before you start a complaint 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](https://www.usa.gov/complaints) 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](https://www.consumerfinance.gov/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/). 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](https://www.consumerfinance.gov/ask-cfpb/) to consumers’ most frequently asked financial questions. 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. Your complaint goes through [several steps](https://www.consumerfinance.gov/complaint/process/) 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](https://portal.consumerfinance.gov/consumer/) 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](https://www.consumerfinance.gov/complaint/data-use/). #### **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. No. Once you submit a complaint, we must maintain, protect, and dispose of this information, including your personally identifiable information (PII), in accordance with federal records retention requirements. The current retention period for complaints is [25 years](https://www.archives.gov/files/records-mgmt/rcs/schedules/independent-agencies/rg-0587/daa-0587-2023-0002_sf115.pdf) . You can read more about how the CFPB collects, uses, and safeguards consumer complaint information in the published [Privacy Impact Assessment (PIA)](https://www.consumerfinance.gov/privacy/privacy-impact-assessments/) and [System of Records Notice (SORN)](https://www.consumerfinance.gov/privacy/system-records-notices/). We hold ourselves accountable for appropriately handling any PII we collect. We train all our employees so they know how to ensure that your information is protected. Learn more about our [privacy program](https://www.consumerfinance.gov/privacy/). 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](https://www.naag.org/find-my-ag/) 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](https://eldercare.acl.gov/Public/Index.aspx) or calling [(800) 677-1116](<tel:(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](https://reportfraud.ftc.gov/#/) 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.