Complaints involving credit cards

To complain about a problem with your credit card company, call the company first and try to resolve the problem. If you fail to resolve the issue, ask for the name, address and phone number of its regulatory agency. If that doesn’t work, you may want to file a complaint with your state’s attorney general or banking agency. You may also file a complaint with the federal agency responsible for enforcing consumer credit laws for your credit card company.

If the word national appears in the name or the letters N.A. appear after the name, the Office of the Comptroller oversees its operations.

To complain about a credit bureau, department store, or other FDIC-insured financial institution, write to the Consumer Response Center. You may also file a complaint online at www.ftc.gov.

Regulatory Agencies:

Credit cards issued by state banks that are members of the Federal Reserve System
Federal Reserve Board
Division of Consumer and Community Affairs
Mail Stop 801
Washington, DC 20551
(202) 452-3693

See “How to File a Consumer Complaint about a Bank”.

Credit cards issued by banks with “national” in the name or “N.A.” after the name>
Comptroller of the Currency
Office of the Ombudsman
Customer Assistance Unit
1301 McKinney Street, Suite 3450
Houston, TX 77010
1 (800) 613-6743 (toll-free)
www.occ.treas.gov

Credit cards issued by state banks that are not members of the Federal Reserve System
Federal Deposit Insurance Corporation
Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, MO 64108
1 (877) 275-3342 (toll-free)
www.fdic.gov

Credit cards issued by federal savings and loan associations and federal savings banks
Office of Thrift Supervision
Consumer Programs
1700 G Street, NW
Washington, DC 20552
1 (800) 842-6929 (toll-free)
www.ots.treas.gov

Credit cards associated with federal credit unions
National Credit Union Administration
Office of External Affairs
1775 Duke Street
Alexandria, VA 22314-3428
(703) 518-6330
www.ncua.gov

Credit cards issued by finance companies or stores, and matters related to auto dealers, mortgage companies, and credit bureaus
Federal Trade Commission
Consumer Response Center
6th and Pennsylvania, NW
Washington, DC 20580
1 (877)-FTC-HELP (1-877-382-4357) (toll-free)
www.ftc.gov

Lost and Stolen Credit Cards

Immediately call the card issuer when you suspect a credit or charge card has been lost or stolen. Many companies have toll-free numbers and 24-hour service to deal with such emergencies.

By federal law, once you report the loss or theft of a card, you have no further responsibility for unauthorized charges. In any event, your maximum liability under federal law is $50 per card.

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