In the second half of 2011, a new agency called the Consumer Financial Protection Bureau will be created to respond to complaints about all financial products.
Until then, the National Credit Union Administration (NCUA)is the regulator of your credit union if it is a Federal Credit Union(a credit union with the word "federal" contained in its name), or if it is in Delaware, South Dakota, Wyoming or Washington, DC.
Click hereto look up your credit union's charter number. Federal credit unionshave charter numbers under 60000, state-chartered credit unions havecharter numbers greater than 60000.
If your complaintconcerns a state-chartered credit union (a credit union without theword "federal" as part of its name) which is located outside Delaware, SouthDakota, Wyoming or Washington, DC, file your complaint with the state supervisory authority.
If you cannot figure out who regulates your lender, we suggest filing your complaint with the Office of the Comptroller of the Currency (OCC), The Federal Reserve Board (FRB), and your State Banking Office. Both the OCC and the FRB promise to reroute complaints mistakenly filed with them.
You may file a formal complaint by sending the NCUA a letter - no special form is required - to the NCUA regional office for your state (click your state below for contact information).
Include the following information in your complaint:
The full name and address of the credit union
A clear explanation of your problem
A brief description of what action you want the credit union to take to resolve the problem
Legible photocopies of supporting documentation (if you have it). Do not send your original statements or other documents.
A copy of any written correspondence you have already had with the federal credit union regarding the issue at hand and any reply that you received
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1775 Duke Street
Alexandria, VA 22314
PHONE: 703.518.6360
WEBSITE: http://www.ncua.gov/ConsumerInformation/Consumer%20Complaints/fcucomplaints.htm
Americans for Fairness in Lending (AFFIL) and Americans for Financial Reform (AFR) are partnering to reform the nation's lending industry and financial system to protect Americans' neighborhoods, homes and pocketbooks.
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