How to submit a complaint against the lender?

Consumers may face predatory actions on behalf of lenders or loan brokers. They get high APRs, loan irregularities, pre-payment penalties, hidden fees, fraud, deception, or other problems. First of all, they should try to solve the conflict directly with the company. If there is no way to reach a consensus, it is highly advisable to contact an attorney.

There is a range of federal and state laws that protect the consumer’s financial rights. For instance, any lender is obliged to disclose the rates, fees, terms, and other conditions of lending. If a lender has violated any of the applicable laws, the borrowers can take advantage of the legal remedies.

More than that, the consumers have the rights to complain about lenders to the government or state authorities. We have put together the information about how a borrower can submit a complaint to the appropriate authority. Read and bookmark it for future use.

CFPB – Consumer Financial Protection Bureau

Submit a complaint here:

Phone: (855)-411-CFPB or (855)-411-2372

Address: Consumer Financial Protection Bureau

PO Box 2900

Clinton, IA 52733-2900

The Federal Reserve

Submit a complaint here:

Phone: (888)-851-1920

Fax: (877)-888-2520

Address: Federal Reserve Consumer Help

PO Box 1200

Minneapolis, MN 55480

The Office of Thrift Supervision – processes complaints about Federal savings and loans, and also Federal savings banks. Th complaint can be sent by post or fax.

Phone: (800)-842-6929

Fax: (202)-906-7342

Address: Office of Thrift Supervision

Consumer Affairs Division

1700 G Street NW

Washington DC 20552

The Federal Trade Commission – handles complaints regarding most non-bank lenders, such as private lenders, finance companies and credit unions. Submit your complaint through the FTC’s Online Complaint Assistant or contact the FTC directly.

Submit a complaint here:

Phone: (877)-382-4357

Address: Federal Trade Commission

Consumer Response Center

600 Pennsylvania Avenue, N.W.

Washington DC 20580

The Federal Deposit Insurance Corporation (FDIC) – deals with complaints about FDIC-insured state banks which are not members of the Federal Reserve System. Submit a complaint online, or contact the FDIC by mail or phone.

Submit a complaint here:

Phone: (877)-275-3342

Address: Federal Deposit Insurance Corporation

Division of Compliance

1730 Pennsylvania Ave

7th Floor

Washington DC 20429

If you have difficulties in contacting your local authorities, here is the contact information relevant to each state.

StateInstitutionMailing or Fax AddressOfficial page
AlabamaAlabama Banking DepartmentState of Alabama, State Banking Department ATTN: Arlene Baldwin P.O. Box 4600 /Montgomery, AL 36103-4600 (334)242-3452
AlaskaAlaska Division of Banking and SecuritiesState of Alaska, Department of Commerce, Community, and Economic Development Division of Banking and Securities P.O. Box 110807 / Juneau, AK 99811-0807 Phone: (888) 925-2521 Fax: (907) 465-1231
ArizonaArkansas State Board of Collection AgenciesDivision of Check-Cashing Companies, 523 Louisiana Street, Suite 460 Little Rock AR 72201 Phone: (501) 371-1434 Fax: (501) 371-1440 Regulatory Contact: Peggy Matson,, Executive Director
CaliforniaCalifornia Department of Business OversightDepartment of Business Oversight Attn: Consumer Services 1515 K Street, Suite 200 Sacramento, CA 95814 Phone: (866) 275-2677
ColoradoColorado Office of the Attorney GeneralColorado Office of the Attorney General Address: Uniform Consumer Credit Code, 1525 Sherman St., 5th Fl. Denver CO 80203 Phone: (303) 866-4494 Fax: (303) 866-5691 Regulatory Contact: Laura Udis,, Administrator
ConnecticutConnecticut Department of BankingConnecticut Department of Banking Address: 260 Constitution Plaza Hartford CT 06103 Phone: (860) 240-8299 Fax: (860) 240-8167
DelawareOffice of the State Bank Commissioner’s(302) 739-4235
Washington DCFederal Trade Commission
FloridaOffice of the Attorney General of FloridaPhone: 1-866-966-7226 (toll-free inside Florida) 850-414-3600 (in Florida) 850-414-3990 (outside Florida)
GeorgiaGeorgia Governor’s OfficeGeorgia Insurance Commissioner’s Office Consumer services Division 2 M.L.K. Jr. Drive West Tower, suite 716 Atlanta, GA 30334 Fax: (404) 657-8542
HawaiiConsumer Resource CenterThe Consumer Resource Center, 235 South Beretania Street, 9th Floor, Honolulu, Hawaii 96813,
IdahoIdaho Department of Finance800 Park Blvd. Suite 200 Boise, Idaho 83712 Telephone: (208) 332-8000 Toll Free in Idaho: (888) 346-3378
IllinoisIllinois Attorney General’s (AG) office, Consumer Protection DivisionOffice of the Illinois Attorney General Consumer Protection Division 100 West Randolph Street Chicago, Illinois 60601
IndianaIndiana Department of Financial Institutions
IowaAttorney General’s Consumer Protection Division515-281-5926
KansasKansas Attorney General Office
KentuckyKentucky Department of Financial Institutions
LouisianaLouisiana Office of Financial InstitutionsOffice of Financial Institutions Post Office Box 94095 Baton Rouge, LA 70804-9095
MaineBureau of Financial InstitutionsMaine Bureau of Financial Institutions Consumer Outreach Program 36 State House Station Augusta, ME 04333-0036
MarylandCommissioner of Financial RegulationCommissioner of Financial Regulation, Attention Complaint Unit 500 North Calvert Street, Suite 402 Baltimore, Maryland 21202
MassachusettsMassachusetts Consumer Affairs and Business Regulation (Massachusetts Division of Banks)Ten Park Plaza, Suite 5170 Boston, MA 02116 Consumer Hotline: (617) 973-8787 or 888-283-3757 toll free (MA only) Main Office Fax: (617) 973-8799
MichiganMichigan’s Office of Financial and Insurance ServicesOffice of Financial and Insurance Services P.O. Box 30020 Lansing, MI 48909
MinnesotaMinnesota Department of CommerceState of Minnesota Department of Commerce Division of Financial Institutions 85 7th Place East, Suite 500 St. Paul, Minnesota 55101-2198
MississippiMississippi Attorney General’s Office of Consumer ProtectionConsumer Protection Division Office of the Attorney General P.O. Box 22947 Jackson, Mississippi 39225-2947 More information is available via telephone at (601) 359-4230 or (800) 281-4418 in Mississippi. Telefax is also available at (601) 359-4231
MissouriMissouri Division of FinanceMissouri Division of Finance P. O. Box 716 Jefferson City, Missouri 65102-0716 Phone: 573-751-3242 Fax: 573-751-9192
MontanaDivision of Banking and Financial InstitutionsState of Montana Department of Administration Division of Banking and Financial Institutions 301 South Park, Suite 316 P.O. Box 200546 Helena, MT 59620-0546
NebraskaNebraska Department of Banking and Finance, Financial InstitutionsP.O. Box 95006, Lincoln NE 68509-5006
NevadaBureau of Consumer Protection555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101.
New HampshireNew Hampshire Department of JusticeOffice of the Attorney General, Consumer Protection and Antitrust Bureau, 33 Capitol St., Concord NH 03301. You can contact the Consumer Protection and Antitrust Bureau at (603) 271-3641
New JerseyNew Jersey Office of Consumer ProtectionCall 973) 504-6200
New MexicoNew Mexico Office of the Attorney GeneralSanta Fe: 408 Galisteo Street, Villagra Building, Santa Fe New Mexico 87501 or P.O. Drawer 1508, Santa Fe NM 87504-1508. Albuquerque: 111 Lomas NW, Ste 300, Albuquerque, NM 87102. Las Cruces: 201 N. Church St., Ste. 315, Las Cruces, NM 88001. For more info call 1-800-678-1508.
New YorkBureau of Consumer Frauds and ProtectionConsumer hotline is 800-771-7755
North CarolinaState of North Carolina Department of Justice9001 Mail Service Center Raleigh, NC 27699-9001
North DakotaDepartment of Financial InstitutionsConsumer Protection Division Office of Attorney General Gateway Professional Center 1050 E Interstate Ave Suite 200 Bismarck, ND 58503-5574 If you require additional information, contact the DFI at (701) 328-9933.
OhioOhio Attorney General’sOhio Attorney General Richard Cordray 30 E. Broad St., 17th Floor Columbus, OH 43215
OklahomaOklahoma Department of Consumer CreditOklahoma Department of Consumer Credit : 4545 North Lincoln Boulevard, Suite 164 Oklahoma City, Oklahoma 73105-3403 Phone: (405) 521-3653 | Fax: (405) 521-6740 In-state Consumer Hotline: (800) 448-4904
OregonDivision of Finance and Corporate SecuritiesPO Box 14480, Salem, OR 97309-0405. 03-947-7862
PennsylvaniaYou can contact an attorney licensed to practice there
Rhode IslandRhode Island Department of Business Regulation Division of BankingState of Rhode Island Department of Business Regulation Division of Banking 1511 Pontiac Avenue, Bldg 69-2 Cranston, RI 02920
South CarolinaSouth Carolina State Board of Financial InstitutionsConsumer Finance Division: South Carolina State Board of Financial Institutions Consumer Finance Division P.O. Box 11905 Columbia SC 29211 Phone: (803) 734-2020 Fax: (803) 734-2025 Department of Consumer Affairs 3600 Forest Drive, 3rd Floor Phone: (803) 734-4200 Toll-free: (800) 922-1594 Fax: (803) 734-4286
South DakotaSouth Dakota Division of Banking217 1/2 West Missouri Avenue Pierre SD 57501 Phone: (605) 773-3421 Fax: (605) 773-5367
TennesseeTennessee Department of Financial InstitutionsTennessee Department of Financial Institutions Consumer Resources Division 414 Union Street, Suite 1000 Nashville, Tennessee 37219 Phone: 1-800-778-4215 Fax: (615) 253-7794
TexasTexas Office of Consumer Credit CommissionerTexas Office of Consumer Credit Address: 2601 N. Lamar Blvd. Austin TX 78705 Phone: (512) 936-7600 Fax: (512) 936-7610
UtahUtah DFI
VirginiaBureau of Financial Institutions
VermontDepartment of Banking
WashingtonDepartment of Financial Service360-902-8811 or 1-877-RING DFI (1-877-746-4334)
WisconsinDepartment of Financial Institutions
WyomingDepartment of Audit’s Division of Banking, as Non-Depository Financial ServicesWyoming Division of Banking Uniform Consumer Credit Code Herschler Building, 3 East 122 West 25th Street Cheyenne, WY 82002 Telephone number 1-307-777-7797
West VirginiaWest Virginia Division of BankingWest Virginia Division of Banking One Players Club Drive Suite 300 Charleston, WV 25311-1638 Phone: (304) 558-2294 Fax: (304) 558-0442

References and Sources

1. Filing a Consumer Complaint. Retrieved from

2. Learn how the Complaint Process Works. Retrieved from

3. Laws and Regulations to Protect Consumers’ Financial Rights. Retrieved from