Who to Complain to if You Have Been Treated Unfairly by a Creditor

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States have a number of consumer protection laws to help those who have been defrauded or treated unfairly by a creditor. Creditors, realizing you are trying to fix your credit, might begin to employ unfair and desperate measures to try to squeeze as much money as they can from you before it is too late. These methods may include harassing phone calls and letters and possibly calling your place of employment or your friends.

In order to protect consumers, the Federal Trade Commission (FTC) has enacted numerous laws to help to protect consumers from unfair practices and the Bureau of Consumer Protection conducts investigations, sues companies who violate these laws, develops rules to protect consumers, and educates consumers and businesses about their rights and responsibilities.

If you have been treated unfairly by a creditor, here is a listing of the United States regulatory agencies to contact. If you feel that your credit rights have been violated or if you feel that you have been treated unfairly, contact one of these agencies below.

Type of CreditorWho to Contact
National BanksOffice of the Comptroller of the Currency
Customer Assistance Unit
1301 McKinney St.
Suite 3710
Houston, TX 77010
(800) 613-6743
www.occ.treas.gov
State Member Banks of the Federal Reserve SystemDivision of Consumer and Community Affairs
Mail Stop 801
Federal Reserve Board
Washington, D.C. 20551
(202) 452-3693
www.federalreserve.gov
Non-Member Federally Insured State BanksFederal Deposit Insurance Corporation
Office of Compliance and Consumer Affairs
550 Seventeenth St., N.W.
Washington, D.C. 20429
(202) 942-3100
www.fdic.gov
Savings and Loan AssociationsOffice of Thrift Supervision
Consumer Programs
17010 G Street, N.W., 6th Floor
Washington, D.C. 20552
(202) 906-6237
www.ots.treas.gov
Federal Credit UnionsNational Credit Union Administration
Office of Public and Congressional Affairs
1775 Duke Street
Alexandria, VA 22314
(703) 518-6330
www.ncua.gov
Other LendersFederal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, N.W.
Washington, D.C. 20580
(202) 326-3758
www.ftc.org
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