You can report a tip to us, through a separate process. Use the tip line if you are a current or former employee of a company that you think has violated federal consumer financial laws or if you are an industry insider who knows about such a company. Unlike submitting a complaint, your tip will not be sent to the company. Please be aware that we cannot take in privileged information.
Skip to main content. Having a problem with a financial product or service? Submit a complaint Complaints give us insights into problems people are experiencing in the marketplace and help us regulate consumer financial products and services under existing federal consumer financial laws, enforce those laws judiciously, and educate and empower consumers to make informed financial decisions. Before you start a complaint: Curious how the complaint process works?
Search for your question. Start your complaint here If you have a complaint with a financial product or service, tell us about your issue—we'll forward it to the company and work to get you a response, generally within 15 days.
Submitting a complaint helps you. There are no stipulations that a business do anything to resolve a complaint or address the complaint a particular way. Some consumers report that responses from companies through the BBB are often short and do nothing to address their issues.
Of course, every situation is different. Some consumers have successfully arbitrated through the BBB and others have seen satisfactory complaint resolution. But these may be cases where the company was already willing to work with the consumer to make things right. While a consumer sits around hoping for a response from a company, a response that might never come, that consumer could have already contacted the North Carolina Attorney General's Office or begun legal proceedings.
Letters written on behalf of the North Carolina Attorney General's Office generally receive satisfactory resolutions to consumer complaints very quickly. In cases where the business does not respond or is engaging in illegal acts, the Attorney General, as the chief law enforcement officer in the state, can step in and take legal action on the consumer's behalf.
The BBB cannot. Sometimes you can see that a company has an "A" rating with the BBB, and these scores are often tossed around in advertisements, but that doesn't mean the company is trustworthy. It simply means that the company has upheld its obligation to the BBB and followed their membership rules.
Meeting locations will be chosen by the BBB at mutually convenient times for each party to have confidential sessions, typically for two to three hours. During these confidential meetings, the problems are clarified to discuss solutions. Mediators strive to help both parties reach an agreeable legally binding solution, whereas an arbitrator will make that decision similar to a judge in a court of law.
While the BBB is not government sanctioned, nor has any state, federal or local government affiliation, it is a resource that consumers regularly use to make purchase and service provider decisions. Because the BBB archives information about businesses, unanswered complaints are considered unflattering by consumers.
Therefore, it is advisable that companies deal with complaints to keep their business records clear and so that it doesn't dissuade future potential customers.
Susan S. Davis is a member of the Society of Professional Journalists and the L. Press Club.
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