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 Office of the Comptroller of the Currency (OCC) accepts complaints about national banks, their operating subsidiaries, and branches of foreign banks in the US. However, the OCC states on its website that, "If your complaint involves a bankor other institution not regulated by the OCC, we will refer it toanother agency. We will notify you if we do so. You should not have toresubmit your complaint or accompanying documentation. However, you maybe contacted if the other agency needs additional information."
If you want to be sure the OCC regulates your bank, you can check these lists to see if your bank is a national bank or an operating subsidiary of a national bank. If so, it is regulated by the Office of the Comptroller of the Currency.
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.
Use the OCC’s online complaint form (PDF) to file your complaint, or send them a letter.
If sending a letter, include the following information in your complaint:
Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street
Suite 3450
Houston, TX 77010
FAX: 713-336-4301
TOLL-FREE PHONE: 1-800-613-6743 (available Monday - Friday, 7:00 a.m. to 7:00 p.m., Central Time)
EMAIL: Customer.Assistance@occ.treas.gov
WEBSITE: http://www.occ.treas.gov/customer.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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