I have a question or complaint about my credit union...

The Georgia Department of Banking and Finance has no supervisory authority over any credit union that is federally chartered or headquartered in another state.

If your credit union is a Federal Credit Union (the word Federal will be in the credit union's name), you should contact the National Credit Union Administration (NCUA). NOTE: There is a possibility that a state-chartered credit union will have federal in it's name (e.g. Federal Employees), but this will be rare. If you are uncertain, go to the NCUA's online database to search for your credit union.

Georgia is also host to offices of state-chartered credit unions that are headquartered in other states. The regulator of the state where the credit union is chartered/headquartered, the “home state” regulator, retains the primary responsibility for the chartering, regulation and examination of the out-of-state state credit union. Please check the following list of credit union names below. These are out-of-state credit unions with branches in Georgia.  We DO NOT regulate these credit unions and we cannot answer any questions regarding their operation.  Please follow the link to the primary regulator for that credit union so that you may ask a question or file a complaint. (Note: There is also a link to the institution’s website if you click on the credit union's name.)

CREDIT UNIONS THAT ARE NOT REGULATED BY THE GEORGIA DEPARTMENT OF BANKING AND FINANCE

The list above is non-exhaustive.

If your institution is a Federal Credit Union, you should send your complaint or inquiry to the National Credit Union Administration (NCUA).

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.

National Credit Union Administration
Office of Consumer Protection
1775 Duke Street
Alexandria, VA 22314
Fax: (703) 518-6682
Contact the NCUA

If you have a complaint about a Georgia state-chartered credit union, the Department suggests that you send a written complaint directly to the credit union by certified mail.  You can find the institution’s contact information from our Credit Union search page.

The Department has made all state-chartered financial institutions and licensees/registrants aware that they will receive complaints directly from consumers.  The Department's expectation is that all entities will make good faith attempts to resolve all issues or complaints directly with consumers within a reasonable period of time. 

While complaint processing times may vary, on average you should receive a written response from the credit union within 30 days of receipt of your complaint. If after the 30 days you have received no response from the credit union, please contact the Department at (770) 986-1633. Be prepared to provide documentation that the credit union received your complaint (e.g., certified mail receipt).

If your issue is related to a home mortgage and you are unable to resolve the issue with your mortgage company, you may want to file a complaint with the Consumer Financial Protection Bureau (CFPB).   The telephone number is 855-411-2372 and the link to the online complaint form is https://help.consumerfinance.gov/app/mortgage/ask. 

If you have a general question about a Georgia state-chartered credit union, you may send an e-mail to the Department at dbf@dbf.state.ga.us or call us at (770) 986-1633. We will provide you with any resources or public information available.

If your institution is a state credit union, chartered (headquartered) in a state other than Georgia, you should send your complaint or inquiry to the home state regulator. The National Association of State Credit Union Supervisors (NASCUS) provides contact information and website links for all State Credit Union Regulatory Agencies at: NASCUS State Regulators Links.

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