How to File a CFPB Complaint Against a Financial Institution

Determine If CFPB Is the Right Agency

The CFPB handles complaints against banks, credit card companies, debt collectors, credit bureaus, student loan servicers, and mortgage companies. For non-financial companies, use the FTC.

Gather Your Documentation

Collect account statements, correspondence, screenshots, and any written agreements. Note dates, amounts, representative names, and reference numbers from previous contacts with the company.

Visit consumerfinance.gov/complaint

Go to the CFPB complaint portal. Choose your product type: credit card, bank account, mortgage, student loan, credit reporting, debt collection, or money transfer.

Describe What Happened

Write a factual narrative of the issue. Explain what the company did, what you expected, and what resolution you want. The CFPB forwards your complaint directly to the company.

Submit and Track

After submission, you'll get a tracking number. The company must respond within 15 days. You can track progress and respond to the company through the CFPB portal.

Escalate If Needed

If the company's response is unsatisfactory, dispute it through the portal. The CFPB publishes complaints in its public database, creating accountability. Consider consulting a consumer protection attorney for significant losses.