file a complaint:
- Contact the branch manager, the customer service hotline, or the institution's website.
- Explain your problem and how you would like the bank to resolve it. Use this sample complaint letter for tips on what to include in your complaint.
- Provide copies of receipts, checks, or other proof of the transaction.
If the bank doesn't help, get help from the correct regulatory agency.
Complaints About Deposit Accounts
Several government agencies regulate financial institutions. accepts complaints about your financial institution.
- Contact the for complaints about
- a national bank (has National in its name, or N.A at the end)
- federal savings and loans
- federal savings banks.
- For a problem with a state-chartered bank and trust company, contact either
- Complain about a federally chartered credit union with the .
- For a problem with a state-chartered bank that is a member of the Federal Reserve System, contact the .
Complaints About Other Financial Services
Xổ số miền bắc 2Other agencies handle complaints about other financial products:
- Complain to the (CFPB) about:
- credit reports
- debt collection
- money transfers
- virtual currency
- Complain about investments with the or your .
. This law prohibits lenders from denying credit because of certain characteristics. if a lender has denied a mortgage application because of your:
Xổ số miền bắc 2Sex (including gender)
Xổ số miền bắc 2Nationality or ethnicity
Income from public assistance programs
The Department of Housing and Urban Development (HUD) enforces the . This law prohibits discrimination when you rent, buy, or secure financing for a home. Your state may also have a similar law. and the fair housing office in your state if a mortgage company discriminated against you because of your:
File a Complaint About Mortgage Company Services
, such as the and the . These laws require lenders to disclose information to homebuyers before buying and over the life of the mortgage. if you have a problem with a new or existing mortgage. Examples of common mortgage complaints include:
Applying for a mortgage
Xổ số miền bắc 2Receiving loan estimates and closing documents
Transferring a mortgage to another servicer
Xổ số miền bắc 2Applying your payments correctly
Refinancing or modifying a mortgage loan
Misreporting mortgage account status to you or to credit reporting agencies
Xổ số miền bắc 2Requiring private mortgage insurance
Paying additional fees
Report Deceptive Mortgage Practices and Scams
Xổ số miền bắc 2 is the primary statute of the Federal Trade Commission (FTC). It states that unfair and deceptive practices affecting commerce are unlawful. if it makes deceptive statements, omits important facts, or takes misleading actions. Examples include:
Xổ số miền bắc 2False statements about their ability to offer a loan
Xổ số miền bắc 2Fees for mortgage services that aren’t provided
to collect on mortgage balances
Also, file a complaint with your state consumer protection office about a mortgage fraud or scam. with the HOPE NOW Alliance. Call 1-888-995-HOPE (1-888-995-4673) or (TTY 1-877-304-9709).
Mandatory Arbitration Clauses
Xổ số miền bắc 2Mandatory arbitration clauses are phrases written into contracts that state that if you have a dispute with a company, you must resolve it through arbitration. These clauses can prevent you from filing a lawsuit against a company. Arbitration clauses are fairly common in automotive, credit card, and cell phone contracts. But now, they are appearing in website terms and conditions statements, coupons, or corporate social media profiles. While arbitration can be less expensive, it is sometimes seen as unfair to make arbitration a requirement before a negative incident has happened or knowing how serious the problem is. Also, the decisions are binding, so you can’t appeal the decision, even if the company was severely negligent.
Xổ số miền bắc 2Before you sign a contract or even use a website, read the contract or terms of service for mentions of “arbitration”, “binding arbitration” or “resolution programs”; this language is often in the fine print of the contract and can be easily missed. Also, note that some companies may let you opt-out of these clauses, if you do so within 30 days.
Do you have a question?
Xổ số miền bắc 2
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November 30, 2020