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Federal Trade Commission (FTC)
Consumer Complaints

 

The Federal Trade Commission (FTC) handles complaints involving credit reporting agencies or lenders other than credit unions, banks or savings and loans.

You may contact the FTC's Consumer Response Center by phone, mail, or online:

Phone
Toll-free 1-877-FTC-HELP (382-4357)

Mail
Federal Trade Commission
CRC-240
Washington, D.C. 20580

Online
Use FTC's secure complaint form

While the FTC does not resolve individual consumer disputes, your complaint, comment, or inquiry may help spot a pattern of law violations requiring law enforcement action. It can also help the FTC recognize and tell people about larger trends affecting consumers.

The FTC's Division of Financial Practices is responsible for developing policy and enforcing laws related to financial and lending practices affecting consumers. It also is responsible for most of the agency’s consumer privacy program. Among its specific areas of responsibility are:

  • Financial privacy, including enforcement of the Fair Credit Reporting Act (FCRA) and the Gramm-Leach-Bliley Act (GLBA). The FCRA ensures the accuracy and privacy of information kept by credit bureaus and other consumer reporting agencies, and gives consumers the right to know what information these entities are distributing about them to creditors, insurance companies and employers. The GLBA requires financial institutions to provide notice to consumers about their information practices, and to give consumers an opportunity to direct that their personal information not be shared with non-affiliated third parties.
  • Subprime lending, including enforcement of laws targeting deceptive, unfair and abusive practices in the subprime market, such as the Federal Trade Commission Act, the Home Ownership and Equity Protection Act, and the Equal Credit Opportunity Act.
  • Enforcement of many of the nation’s other consumer credit statutes, including: The Truth in Lending Act, which requires creditors to disclose in writing certain cost information, such as the annual percentage rate (APR), before consumers enter into credit transactions; The Consumer Leasing Act, which requires lessors to give consumers information on lease costs and terms; and The Fair Debt Collection Practices Act, which prohibits debt collectors from engaging in unfair, deceptive or abusive practices, including over-charging, harassment and disclosing consumers’ debt to third parties.

For further information, visit the FTC's website.

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