You Have Credit Card Complaints? Where Should You Go?
If you have a problem with your credit card, try following these steps, if one doesn’t work try the next step down:
- Try to resolve the problem directly with the store or credit card company
- File a complaint with the local Better Business Bureau (you can also do it online) where the company’s headquarters is located, not where you live.
- File a complaint with your state’s attorney general or banking agency.
- File a complaint with the federal agency that enforces consumer credit laws for your credit card company as follows:
- State Banks: Federal Reserve System
- State Banks or regulated by the Federal Reserve System: Federal Deposit Insurance Corporation www.fdic.gov
- Banks with “National” or “N.A.” in the name: Controller of the Currency www.occ.treas.gov
- Federal Savings and Associations and federal savings banks: Office of Thrift Supervision www.ots.treas.gov
- Credit Card Union Associates: National Credit Union Administration www.ncua.gov
- Finance Companies or stores, and matters related to auto dealers, mortgage companies and credit bureaus: Federal Trade Commission www.ftc.gov
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