I have a question or complaint about my credit union...
The Georgia Department of Banking and Finance does not regulate credit unions that are 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 utilize the information below to determine the proper agency to contact for assistance.
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 [email protected]. 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's expectation is that all Georgia state-chartered credit unions 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 you are unable to resolve the issue with your financial institution, you should file a complaint with the Consumer Financial Protection Bureau (CFPB).
Consumer Financial Protection Bureau (CFPB)
The CFPB is a federal agency established by Congress to protect consumers by carrying out Federal consumer financial laws. Among other things, the CFPB:
- Takes consumer complaints
- Restricts unfair, deceptive, or abusive acts or practices
- Promotes financial education
- Researches consumer behavior
- Monitors financial markets for new risks to consumers
- Enforces laws that outlaw discrimination and other unfair treatment in consumer finance
Contact the CFPB: (855) 411-CFPB (2372) or Español (855) 411-CFPB (2372), Fax (855) 237-2392
8 a.m.–8 p.m. Eastern, Monday–Friday
Consumer Financial Protection Bureau
P.O. Box 4503
Iowa City, Iowa 52244
Submit a Complaint Online to the Consumer Financial Protection Bureau
Ask CFPB - Get Answers to Your Financial Questions
If you have a general question about a Georgia state-chartered credit union, you may send an e-mail to the Department at [email protected] 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.