Submit a complaint

How to submit a complaint against the lender?

Submit a complaint

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: https://www.consumerfinance.gov/complaint/getting-started/

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: https://www.federalreserveconsumerhelp.gov/about/consumer-complaint.cfm

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: https://www.ftccomplaintassistant.gov/

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: https://www5.fdic.gov/starsmail/

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.

State Institution Mailing or Fax Address Official page
Alabama Alabama Banking Department State of Alabama, State Banking Department ATTN: Arlene Baldwin P.O. Box 4600 /Montgomery, AL 36103-4600 (334)242-3452 http://www.banking.alabama.gov/complaint.aspx
Alaska Alaska Division of Banking and Securities State 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 https://www.commerce.alaska.gov/web/ins/Consumers/Complaints/FileAComplaint.aspx
Arizona Arkansas State Board of Collection Agencies Division 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 http://www.asbca.org/collection_agencies/index.html#complaints/
California California Department of Business Oversight Department of Business Oversight Attn: Consumer Services 1515 K Street, Suite 200 Sacramento, CA 95814 Phone: (866) 275-2677 http://www.dbo.ca.gov/Consumers/consumer_services.asp
Colorado Colorado Office of the Attorney General Colorado 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 https://coag.gov/uccc/complaint
Connecticut Connecticut Department of Banking Connecticut Department of Banking Address: 260 Constitution Plaza Hartford CT 06103 Phone: (860) 240-8299 Fax: (860) 240-8167

Delaware Office of the State Bank Commissioner’s (302) 739-4235

Washington DC Federal Trade Commission

https://www.ftccomplaintassistant.gov/
Florida Office of the Attorney General of Florida Phone: 1-866-966-7226 (toll-free inside Florida) 850-414-3600 (in Florida) 850-414-3990 (outside Florida) http://myfloridalegal.com/pages.nsf/Main/60FD9BD8FA71A5B185256CD1005EE5C5/
Georgia Georgia Governor’s Office Georgia Insurance Commissioner’s Office Consumer services Division 2 M.L.K. Jr. Drive West Tower, suite 716 Atlanta, GA 30334 Fax: (404) 657-8542 https://www.ftccomplaintassistant.gov/#&panel1-1
Hawaii Consumer Resource Center The Consumer Resource Center, 235 South Beretania Street, 9th Floor, Honolulu, Hawaii 96813, https://portal.ehawaii.gov/
Idaho Idaho Department of Finance 800 Park Blvd. Suite 200 Boise, Idaho 83712 Telephone: (208) 332-8000 Toll Free in Idaho: (888) 346-3378 http://www.finance.idaho.gov/
Illinois Illinois Attorney General’s (AG) office, Consumer Protection Division Office of the Illinois Attorney General Consumer Protection Division 100 West Randolph Street Chicago, Illinois 60601 http://www.illinoisattorneygeneral.gov/consumers/filecomplaint.html
Indiana Indiana Department of Financial Institutions

http://www.in.gov/dfi//
Iowa Attorney General’s Consumer Protection Division 515-281-5926 https://www.iowaattorneygeneral.gov/for-consumers/file-a-consumer-complaint/
Kansas Kansas Attorney General Office

http://www.ksag.org/page/file-a-consumer-complaint
Kentucky Kentucky Department of Financial Institutions

http://kfi.ky.gov/complaint/Pages/financial.aspx
Louisiana Louisiana Office of Financial Institutions Office of Financial Institutions Post Office Box 94095 Baton Rouge, LA 70804-9095 http://www.ofi.state.la.us/complaints.htm
Maine Bureau of Financial Institutions Maine Bureau of Financial Institutions Consumer Outreach Program 36 State House Station Augusta, ME 04333-0036 http://www.state.me.us/pfr/financialinstitutions/complaint.htm
Maryland Commissioner of Financial Regulation Commissioner of Financial Regulation, Attention Complaint Unit 500 North Calvert Street, Suite 402 Baltimore, Maryland 21202 http://dllr.maryland.gov/finance/consumers/consumerfaqs.shtml#complaint
Massachusetts Massachusetts 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 http://www.mass.gov/ocabr/utility/contact-info-at-oca.html
Michigan Michigan’s Office of Financial and Insurance Services Office of Financial and Insurance Services P.O. Box 30020 Lansing, MI 48909 http://www.michigan.gov/lara
Minnesota Minnesota Department of Commerce State of Minnesota Department of Commerce Division of Financial Institutions 85 7th Place East, Suite 500 St. Paul, Minnesota 55101-2198

Mississippi Mississippi Attorney General’s Office of Consumer Protection Consumer 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

Missouri Missouri Division of Finance Missouri Division of Finance P. O. Box 716 Jefferson City, Missouri 65102-0716 Phone: 573-751-3242 Fax: 573-751-9192 https://insurance.mo.gov/finance/complaintform.php/
Montana Division of Banking and Financial Institutions State of Montana Department of Administration Division of Banking and Financial Institutions 301 South Park, Suite 316 P.O. Box 200546 Helena, MT 59620-0546

Nebraska Nebraska Department of Banking and Finance, Financial Institutions P.O. Box 95006, Lincoln NE 68509-5006 http://www.ndbf.ne.gov/consumers/complaint.shtml
Nevada Bureau of Consumer Protection 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101. http://www.consumeraction.gov/nevada.shtml
New Hampshire New Hampshire Department of Justice Office 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 http://www.egov.nh.gov/consumercomplaint/
New Jersey New Jersey Office of Consumer Protection Call 973) 504-6200 http://www.njconsumeraffairs.gov/
New Mexico New Mexico Office of the Attorney General Santa 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. http://www.nmag.gov/office/Divisions/CP/complaint.aspx
New York Bureau of Consumer Frauds and Protection Consumer hotline is 800-771-7755 http://www.ag.ny.gov/bureaus/consumer_frauds/filing_a_consumer_complaint.html
North Carolina State of North Carolina Department of Justice 9001 Mail Service Center Raleigh, NC 27699-9001

North Dakota Department of Financial Institutions Consumer 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. http://www.nd.gov/dfi/forms/index.html
Ohio Ohio Attorney General’s Ohio Attorney General Richard Cordray 30 E. Broad St., 17th Floor Columbus, OH 43215 http://www.ohioattorneygeneral.gov/
Oklahoma Oklahoma Department of Consumer Credit Oklahoma 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 http://www.ok.gov/okdocc/
Oregon Division of Finance and Corporate Securities PO Box 14480, Salem, OR 97309-0405. 03-947-7862 http://www4.cbs.state.or.us/ex/dfcs/complaint/index.cfm
Pennsylvania

You can contact an attorney licensed to practice there http://www.lawyers.com/Fair-Lending/Pennsylvania/Philadelphia/law-firms.html
Rhode Island Rhode Island Department of Business Regulation Division of Banking State of Rhode Island Department of Business Regulation Division of Banking 1511 Pontiac Avenue, Bldg 69-2 Cranston, RI 02920 http://www.dbr.state.ri.us/divisions/banking_securities/complaint.php
South Carolina South Carolina State Board of Financial Institutions Consumer 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 http://www.scconsumer.gov/complaint_services.htm
South Dakota South Dakota Division of Banking 217 1/2 West Missouri Avenue Pierre SD 57501 Phone: (605) 773-3421 Fax: (605) 773-5367 http://www.state.sd.us/drr2/forms/Banking/non-E1949V1-ConsumerComplaint.pdf
Tennessee Tennessee Department of Financial Institutions Tennessee Department of Financial Institutions Consumer Resources Division 414 Union Street, Suite 1000 Nashville, Tennessee 37219 Phone: 1-800-778-4215 Fax: (615) 253-7794 http://www.tennessee.gov/tdfi/crd/complaintprocess.html
Texas Texas Office of Consumer Credit Commissioner Texas Office of Consumer Credit Address: 2601 N. Lamar Blvd. Austin TX 78705 Phone: (512) 936-7600 Fax: (512) 936-7610 http://occc.texas.gov/pages/consumer/assistance/cmlt.pdf
Utah Utah DFI

https://dfi.utah.gov/resources/helpful-links/file-a-complaint/
Virginia Bureau of Financial Institutions

http://www.scc.virginia.gov/bfi/complain.aspx/
Vermont Department of Banking

http://www.dfr.vermont.gov/banking/consumer-resources/file-complaint/
Washington Department of Financial Service 360-902-8811 or 1-877-RING DFI (1-877-746-4334) http://www.dfi.wa.gov/consumers/file-complaint/consumer-services
Wisconsin Department of Financial Institutions

http://www.dfi.wa.gov/consumers/file-complaint/consumer-services
Wyoming Department of Audit’s Division of Banking, as Non-Depository Financial Services Wyoming 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 Virginia West Virginia Division of Banking West Virginia Division of Banking One Players Club Drive Suite 300 Charleston, WV 25311-1638 Phone: (304) 558-2294 Fax: (304) 558-0442 http://www.ago.wv.gov/Pages/default.aspx

References and Sources

1. Filing a Consumer Complaint. Retrieved from https://www.usa.gov/consumer-complaints

2. Learn how the Complaint Process Works. Retrieved from https://www.consumerfinance.gov/complaint/process/

3. Laws and Regulations to Protect Consumers’ Financial Rights. Retrieved from https://www.nextavenue.org/laws-and-regulations-protect-consumers-financial-rights/