Office of the Comptroller of the Currency
http://www.occ.treas.gov
Customer Assistance Group
1301 McKinney Street
Suite 3450
Houston, TX 77010
FAX: 713-336-4301
1-800-613-6743, available Monday - Friday, 7:00 a.m. to 7:00 p.m., Central Time
Customer.Assistance@occ.treas.gov.
Are You On the Right Page?
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 and you should file your complaint with them.
“The
OCC regulates only national banks and their operating subsidiaries, not
all types of financial institutions. If your complaint involves a bank
or other institution not regulated by the OCC, we will refer it to
another agency. We will notify you if we do so. You should not have to
resubmit your complaint or accompanying documentation. However, you may
be contacted if the other agency needs additional information.”
How To File A Complaint:
You may use the OCC’s online complaint form to file your complaint, or send them a letter.
If sending a letter, include the following information in your complaint:
- The name of the National Bank or its Operating Subsidiary;
- Your complete name and mailing address as used by the bank;
- Your daytime telephone number;
- A detailed explanation of the complaint or inquiry and description of how you would like the matter resolved;
- The
signature of the account holder, legal guardian, Power of Attorney, or
other person authorized to act for the account holder. If you are not
the account holder, you must include documentation indicating your
authority;
- Documentation supporting your position (copies, not originals).
- Sign and date your letter, and mail or fax it to the address above.
National Banks…
- Represent 28% of all insured commercial banks in the United States
- Hold 57% of the total assets in the banking system
- Often have “subsidiaries” with distinct names (the OCC regulates subsidiaries as well)
- Fund the OCC through assessments and fees
- Usually have the words “national” or “national association” in their titles, or the initials “N.A.” or “NT&SA”
For more information, see http://www.occ.treas.gov/customer.htm.
