What should I do?
CONTACT SOMEONE WITH AUTHORITY AT THE COMPANY (OWNER, PRESIDENT, OR CONSUMER COMPLAINT SPECIALIST) TO RESOLVE THE COMPLAINT.
When you have a complaint, you should first contact the company about it. You may be able to get a resolution. If you talk to someone at the company you should:
- Be courteous and stay calm.
- Explain the problem: provide dates and amounts paid or billed, have important documents, and present as many facts as possible.
- Explain what type of remedy you are seeking.
- State whether you are willing to negotiate; remember, in many disputes, neither side is totally correct.
- If you cannot get a response, contact the Department of Financial Institutions after completing the attached complaint form. Or, contact the appropriate agency if the complaint involves a company not subject to the jurisdiction of the Department. Please see below where to call about filing a complaint against such a company.
CONTACT THE DEPARTMENT OF FINANCIAL INSTITUTIONS.
If your talk with the company fails to resolve the complaint, you may wish to complete a complaint form and mail it to the Department. Please include copies (not originals) of relevant documents, canceled checks, correspondence, etc. The Department will send a copy of your complaint to the institution and request that the institution respond promptly to you and send the Department a copy.
The Department's goal in complaint handling is to encourage companies and consumer to settle their disputes directly. It may take some time to process your complaint.
Be aware that the Department does not have the authority to act as a court of law and the Department may suggest that a consumer seek the advice of an attorney. In some cases your only recourse to resolve the matter might be legal action. The Department will not handle a complaint that is in litigation nor will the Department act on behalf of either party to the dispute. If, after a thorough investigation, a company is found to be in violation of a law, the Department will take appropriate corrective action.