Submit a complaint about a financial product or service
Each week we send more than 50,000 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.
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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
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.
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 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.
What happens after I submit a complaint?
Your complaint goes through several steps 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 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.
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.
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.
- Contact your local police or sheriff’s office to report the scam.
- Contact your state attorney general. Visit the National Association of Attorneys General
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.
- Learn more about how we share your complaint data
- If you’ve already submitted a complaint, you can check the status of your complaint.
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.
Page last modified Mar. 12, 2025 @ 12:38 PM EDT
Have a question? ¿Preguntas?
If you can’t submit online (7–10 minutes), you can submit over the phone (25–30 minutes). More than 180 languages are available.
8 a.m. to 8 p.m. ET, Monday through Friday (except federal holidays).
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.
Mortgages
Whether you’re thinking of buying a home, already have a home loan, or are having trouble paying your mortgage, we have resources to help you every step of the way.
Getting a mortgage
Buying a House: Tools and resources for homebuyers
Whether you’re just thinking about buying a home or about to close, we help you take control of the process.
Maintaining a mortgage
Paying your mortgage is important. We can help you understand how to read your mortgage statement, where to get help if you are struggling to pay your mortgage, and more.
Having trouble paying your mortgage?
If you are having trouble making your mortgage payments, take control by reaching out to your mortgage servicer and a HUD-approved housing counselor.
Get started
Basics
Understand your monthly mortgage statement
The first step to maintaining your mortgage is to pay your mortgage on time, every time. Understanding your monthly mortgage statement will help. Read more
Know why your mortgage payment might change
Your mortgage payment may change for a few reasons – for example, you have an adjustable rate mortgage and the interest rate changed. Read more
Learn what you can do if you have trouble paying your mortgage
Avoid foreclosure and mortgage scams with these four steps. Read more
Key terms
- Automatic payment
- Bi-weekly payment
- Delinquent
- Escrow
- Force-placed insurance
- Forbearance
- Foreclosure
- Loan modification
- Loss mitigation
- Refinance
- Reverse mortgage
- Servicer
- Explore key terms
Understand your situation
Common issues
- You’re having trouble making your monthly mortgage payments
- The company you make your monthly mortgage payments to has changed
- You’re having problems with an escrow account (taxes and insurance)
- Explore common issues
Know your rights
- Your servicer should try to help you find ways to avoid foreclosure
- You have foreclosure protections under state and federal law
- Inherited a home? The servicer should tell you how to prove ownership
- Explore your rights
Take action
How-to guides
- How to find a HUD-approved housing counseling agency
- How to cancel your Private Mortgage Insurance (PMI)
- How to get information or dispute an error about your mortgage
- Explore how-to guides
Get help
If you are having an issue with your mortgage, reach out to a HUD-approved housing counseling agency. Click here to find an agency in your area. You can also call the HOPE™ Hotline.
Submit a complaint
Having trouble with a financial product or service? If you’ve already tried reaching out to the company and still have an issue, you can submit a complaint. Tell us about your issue—we’ll forward it to the company and work to get you a response, generally within 15 days.
Page last modified Jul. 14, 2025 @ 04:08 PM EDT
About us
We’re the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.
Still have a question?
Call us if you still can’t find what you’re looking for.
(855) 411-2372
TTY/TDD: (855) 729-2372
How the CFPB is protecting you
- We’ve updated our mortgage servicing rules to provide greater protections for mortgage borrowers and other homeowners
- CFPB, State Authorities Order Ocwen to Provide $2 Billion in Relief to Homeowners for Servicing Wrongs
- CFPB Takes Action Against Mortgage Payment Company And Servicer For Deceptive Ads
https://www.consumerfinance.gov/https://www.consumerfinance.gov/consumer-tools/mortgages/
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