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Consumer Assistance Organizations

For questions or complaints involving financial institutions regarding deposit insurance, prohibitions against discriminatory lending practices, initiatives to prevent unfair or deceptive practices in deposit-taking or lending, and rules that encourage institutions to meet local credit needs, please contact:

Hours of Operation:	7:00 am to 8:00 pm ET; Monday-Friday 9:00 am - 5:00 pm ET; Saturday-Sunday (temporary hours)
Toll Free Number:	1-877-275-3342 (1-877-ASK-FDIC)
Mailing Address:	Federal Deposit Insurance Corporation Consumer Response Center 2345 Grand Boulevard, Suite 100 Kansas City, MO 64108-2638
Email Address:	consumeralerts@fdic.gov
To File Complaint:	FDIC's Electronic Customer Assistance Form

For questions or complaints involving federal laws or federally chartered financial institutions, please contact the following federal agencies:

Banks with the word "National" or "N.A." in their titles are regulated by the Office of the Comptroller of the Currency. For complaints regarding national banks, please contact:

The OCC's Customer Assistance Group (CAG) is ready to help customers of national banks with questions or complaints they have about their financial institution. The OCC has a website HelpWithMyBank.gov, designed specifically to provide answers and assistance to national bank customers.

Hours of Operation:	8:00a.m. to 8:00p.m. Eastern Time M - F
Toll Free Number:	1-800-613-6743
Mailing Address:	Customer Assistance Group 1301 McKinney Street, Suite 3450 Houston, TX 77010
Email Address:	Customer.Assistance@occ.treas.gov
To File Complaint:	Consumer Complaints and Assistance

Generally, Savings banks and savings and loans identified with the word "Federal", "F.S.B.", or "F.A." in their titles are regulated by the Office of Thrift Supervision (OTS). For complaints regarding federal savings banks or savings and loans, please contact the OTS Consumer Response Center to reach a dedicated consumer affairs specialist at:

Hours of Operation:	8:00a.m. to 5:30p.m. EST Mon - Fri
Toll Free Number:	1-800-842-6929
Mailing Address:	Consumer Response Center 1700 G Street, N.W. Washington, DC 20552
Email Address:	consumer.complaint@ots.treas.gov
To File Complaint:	Consumer Assistance

 

Credit unions with the word "Federal" in their titles are most often regulated by the:

National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314-3428
Contact the NCUA   
NCUA’s Consumer Assistance Hotline 1-800-755-1030

You may request assistance via e-mail at consumerassistance@ncua.gov. Please be sure to include your contact information, the credit union's name, the state the credit union is located in and the nature of your request.  NCUA has a toll-free consumer complaint line available 24/7 at 1-800-755-1030 and locally 703-518-6339. Credit union members can leave a recorded message outside of normal business hours.

If you have a complaint regarding your credit card, view a list of federal agencies responsible for enforcing consumer credit laws

Consumer complaints involving finance companies, small loan companies, automobile dealers, department stores, retail businesses, pawn shops, credit bureaus, and private individuals do not fall under the Department's authority. For questions or complaints involving these parties, please contact the following agencies:

Finance companies and small loan companies that make loans under the Industrial Loan Act:

Georgia Insurance Commission
Industrial Loan Department
West Tower, Suite 920
2 Martin Luther King, Jr. Drive, S.E.
Atlanta, Georgia 30334
(404) 656-2078
Fax: (404) 657-6931
Georgia Insurance Commissioner Home Page

For finance companies, car dealerships or anyone else that makes consumer loans that are not regulated by FRB, FDIC, OCC, OTS, or NCUA, the Federal Trade Commission enforces Regulation Z (Truth in Lending). Please send complaints or questions to:

Federal Trade Commission
CRC-240
Washington, DC 20580
1-877-FTC-HELP (1-877-382-4357)
Federal Trade Commission Home Page

The Georgia Commission on Equal Opportunity, Fair Housing Division, enforces the Georgia Fair Housing Law, which makes discrimination in mortgage lending unlawful, based on race, color, national origin, religion, disability, or familial status.

Fair Housing Division
Georgia Commission on Equal Opportunity
Suite 710 - International Tower
229 Peachtree Street, NE
Atlanta, Georgia 30303-1605
404-656-1736 (in Atlanta)
800-493-OPEN (within Georgia)
GCEO Home Page

The U.S. Department of Housing and Urban Development (HUD) provides housing assistance for low and middle income persons.  HUD's mission is to increase homeownership, support community development and increase access to affordable housing free from discrimination.

U.S. Department of Housing and Urban Development
451 7th Street S.W., Washington, DC 20410
Telephone: (202) 708-1112   TTY: (202) 708-1455

Atlanta Office
Five Points Plaza Building
40 Marietta Street
Atlanta, GA 30303

Jurisdiction: State of Georgia
Regional Office for Region IV - Region IV covers eight Southeastern states: Alabama, Florida, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, and Tennessee; as well as the Commonwealth of Puerto Rico and the U. S. Virgin Islands.

Phone: (404) 331-5001
Fax: (404) 730-2392
TDD: (404) 730-2654
Bob Young, Regional Director
Find the address of a HUD office near you

Pawn Shops

These are licensed and monitored by the local police or sheriff's department. Complaints relating to pawn shops should be referred to the appropriate local law enforcement authority.

Credit Bureaus

These are not supervised by the Department of Banking and Finance. Complaints or questions concerning credit bureaus should be directed to the Federal Trade Commission. For copies of your credit report or for questions concerning your credit report, please contact the appropriate credit bureau.

Equifax
(800) 685-1111

Mail correspondence to:
Equifax Credit Information Services, Inc.
P. O. Box 740241
Atlanta, GA 30374-0241

TransUnion
(800) 916-8800

For all inquiries, you may send written correspondence to:
TransUnion
Post Office Box 2000
Chester, PA 19022

Experian (Formerly TRW)
(888) 397-3742

To access your personal credit report, go to Personal Services and select any of the options for ordering your personal credit report.

AUTOMOBILE DEALERS, DEPARTMENT STORES, RETAIL BUSINESSES, and PRIVATE INDIVIDUALS

These are generally not regulated by a government agency. For problems with these groups, the consumer should consult with one of the following agencies or their personal attorney:

Governor's Office of Consumer Affairs
2 Martin Luther King, Jr. Drive, S.E.
Plaza Level, East Tower, Suite 356
Atlanta, Georgia 30334-4600
(800) 869-1123 or (404) 656-3790
Governor's Office of Consumer Affairs Home Page

Federal Trade Commission
CRC-240
Washington, DC 20580
1-877-FTC-HELP (1-877-382-4357)
Federal Trade Commission Home Page

Consumers may also wish to contact one of the following services:

CONSUMER CREDIT COUNSELING SERVICE
(404) 527-7630 or (800) 251-2227
http://www.cccsatl.org/

ATLANTA LEGAL AID SOCIETY, INC.

Fulton County: (404) 524-5811
Cobb County: (770) 528-2565
DeKalb County:(404) 377-0701
Clayton County:(404) 766-4088
Hearing Impaired (404) 577-3727
http://www.glsp.org/

American Arbitration Association
2200 Century Parkway, Suite 300
Atlanta, GA 30345-3203
404-325-0101
http://www.adr.org