10 Resources for Where to File Complaints About Creditors Who Have Treated You Unfairly
Most people who have had to deal with creditors and collection agencies have, at some point, been treated unfairly. Creditors often use scare tactics to intimidate you so they can get the full amount that they feel you owe them. If you feel that you have been treated in an unfair and unprofessional manner by a creditor or financial institute, there are resources available to you so you can file a complaint with the proper agencies.
- FTC Complaint Assistant – File a complaint with the Federal Trade Commission. The Federal Trade Commission (or FTC) is the leading protector of consumers nationwide concerning credit cards and unsecured loans. The FTC has a website with a link that shows you how to file a complaint against a creditor.
- Federal Reserve Consumer Help – File a complaint with the Federal Reserve Consumer Help. The Federal Reserve takes complaints from consumers who feel they have been treated unfairly by a bank or other financial institution. If you feel you are a victim of fraud due to unlawful banking practices, the Federal Reserve can connect you with a federal regulator to review your case and intermediate with your creditors.
- What Harrison Debt Collectors Don’t Want You to Know – Know how to deal with debt collectors. Besides filing complaints, you need to know how to deal with harassing creditors. You can get them to stop calling you at work if you know how to properly go about it.
- Being Harrased by Collector – Know your options and who to go. If you feel that your creditors are breaking the law, there are several agencies you can complain to. There are appropriate agencies that handle complaints concerning different types of creditors.
- Go Back to Seller – Contact the original creditor. Try talking to a customer service representative about the problem. If that does not work, keep going up the food chain.
- CAW Problems – Contact your state authorities. There are state agencies such as the Better Business Bureau that try to resolve complaints against businesses and creditors. Their website lists all of their offices in every state.
- Office of the Comptroller of Currency – File a complaint with the Office of the Comptroller of Currency. This governmental office handles all complaints against banks with the word “National” in their name. Their regulators supervise all branches of federal banks including their operations concerning consumers.
- FDC Violation – Know your Fair Debt Collection Practices Act. The FDCPA is a set of laws that govern what debt collectors can and cannot do. Before you can lodge a complaint, you need to be aware of the laws guidelines in order to know if a creditor has violated this act.
- How to Stop Collectors – Stop the phone calls. If you are being harassed, you can at least stop them from calling you at work and at home. A simple cease and desist letter will stop the harassing calls.
- Creditors Gone Wild – Dispute your credit reporting agency’s information. Don’t just assume they have all the accurate information. If they don’t budge, threaten to report them to the Federal Trade Commission.
This entry was posted on Wednesday, August 26th, 2009 at 3:25 pm and is filed under Personal Finance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.