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How to File a Complaint Against Your Bank

Spencer Tierney is a consumer banking writer at NerdWallet. He has covered personal finance since 2013, with a focus on certificates of deposit and other banking-related topics. His work has been featured by The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is based in Berkeley, California.

Tony Armstrong leads the banking team at NerdWallet. He has covered personal finance for nearly a decade. Tony began his NerdWallet career as a writer and worked his way up to assistant assigning editor and then to lead assigning editor. His writing has been featured by the Los Angeles Times, MarketWatch, Mashable, Nasdaq.com, USA Today and VentureBeat. Tony lives in Minneapolis, Minnesota.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

1. Work with your bank

2. decide where to complain, 3. write your complaint, 4. submit your complaint and wait, what else you can do, what you probably can’t do.

If you get wrongly charged a fee or fraud hits your account, you may feel frustrated and impatient with your bank. If you’re not being heard or treated fairly, it might be time to file a complaint. And be assured your actions can help more than just you.

"If multiple people complain about the same issue, hopefully you get a systemic solution,” says Christina Tetreault, manager of financial policy at Consumer Reports, a nonprofit dedicated to consumer advocacy and research.

"Complaints can lead to enforcement actions” against a bank and “point the way for advocates like me... [to] understand what consumer issues are out there,” Tetreault says.

Here are four steps to file a complaint against your bank and what else to know.

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When an issue first arises, do your best to work with your bank’s customer support team. If you can’t get a hold of someone, reach out in multiple ways, such as by phone and web-based messaging. Save any written messages and information from phone calls since you might need to reference them later.

“Take detailed notes,” Tetreault says. “When did you call [or message], who did you talk to, what did you say, what did they say?”

» Fed up with wait times? Here are three ways to skip your bank’s long phone lines

If you get nowhere with your bank after multiple days and attempts, it’s probably time to make an official complaint. You ultimately want to compel your bank to act, so choose a government agency or company that will get in touch with your bank.

A good starting point is to file a complaint with the Consumer Financial Protection Bureau. The federal agency has a streamlined online submission process , which lets you track the message and receive email updates. You can also reach out to the CFPB via mail or phone.

If another government agency, such as a regulator for a community bank or credit union, would be better able to help you, the CFPB forwards your message to them. The CFPB also publishes complaints in a public database, with personal details removed, and uses this data to enforce and create better rules and regulations.

This is your big opportunity to get help, so be as specific as you can. Gather up helpful documents, such as billing statements or messages from the company. If you have digital versions, consider attaching them to your complaint.

The CFPB suggests five questions to help you structure the complaint:

"What is the complaint about?" What type of product or service were you using? Was it a checking account, credit card or credit reporting?

"What type of problem are you having?" Were you having trouble opening, managing or closing an account?

"What happened?" Include dates, dollar amounts and any actions you and the bank took. Describe what a fair solution would be.

"What company is the complaint about?" The CFPB supervises a range of financial companies, including banks, credit unions, lenders, financial technology firms and more.

"Who are the people involved?" Did the issue affect just you or were there others?

If you need more help, see this sample complaint letter .

As urgent as your issue might be, you probably won’t hear back immediately. The CFPB states the general time frame is 15 days for most companies' responses to complaints, but some companies may take as long as 60 days. Once a company replies, you have 60 days to give feedback on that, which ends the exchange.

Send more complaints. You can generally make one complaint per issue and per bank through the CFPB, but there are other sites like the Better Business Bureau and Twitter where your bank may respond.

Consider a new bank. Depending on how bad the situation, you might move your money to a bank that treats you better. Here’s NerdWallet's guide to switching banks .

As much as you might want to, you generally can’t sue your bank.

Your “legal actions are likely limited by the fine print in most customer contracts with banks,” says Mike Litt, consumer campaign director at U.S. PIRG, a public interest firm focused on consumer advocacy in finance, health and other topics. Arbitration clauses are a key reason why class-action lawsuits might not be possible.

“Small claims court may be an option,” Litt adds, “but it may be best to consult a consumer attorney.”

If the internet isn’t your strong suit, the CFPB lets you mail or call to record a complaint. See the agency’s contact page .

The CFPB mostly handles complaints for big financial institutions, particularly those with over $10 billion in assets, and forwards other complaints to the proper agency. If your bank is smaller and you want to skip the CFPB, the Office of the Comptroller of the Currency has a tool to find your bank’s regulator . And if you belong to a credit union, the not-for-profit equivalent of a bank, the National Credit Union Administration has a similar tool .

Not necessarily. Complaints alone don’t tell the full story of a bank’s consumer experience. Whether you come across grievances in a public database, such as the CFPB’s, or in user reviews, look for patterns. And consider a bank’s size or share of deposits in the industry. A bank with a lot of complaints might have a lot of consumers, but could have a smaller percentage relative to a smaller bank.

If the internet isn’t your strong suit, the CFPB lets you mail or call to record a complaint. See the agency’s

contact page

The CFPB mostly handles complaints for big financial institutions, particularly those with over $10 billion in assets, and forwards other complaints to the proper agency. If your bank is smaller and you want to skip the CFPB, the Office of the Comptroller of the Currency has a tool to

find your bank’s regulator

. And if you belong to a credit union, the not-for-profit equivalent of a bank, the National Credit Union Administration has a

similar tool

On a similar note...

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Consumer Assistance Topics

Information Needed to Submit a Complaint

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The FDIC National Center for Consumer and Depositor Assistance is responsible for investigating all types of consumer complaints about FDIC-supervised institutions and responding to consumer inquiries about consumer laws and regulations. You may call and speak to a Consumer Affairs Specialist about your concerns. However, in order for us to investigate or review your issues, we must receive your complaint in writing.

Including the following information in your written complaint helps us address your concerns as quickly as possible:

• Full Bank Name, City, and State where bank is located;
• Type of product involved (i.e., Checking Account, Mortgage Loan, Certificate of Deposit, etc.);
• Detailed explanation of the issue including events in the order in which they occurred, names and phone numbers of individuals involved, amounts and dates of any transactions, and any other information that will enable us to thoroughly understand your concerns;
• Description of the resolution you seek; and
• Please provide COPIES (do not send original documents) of all pertinent documentation relevant to your complaint.

How to reach us

Most convenient - FDIC Information and Support Center En Español ).-->

When using this form, you receive an automatic confirmation that your submission has been received by the FDIC.

Alternatively, you may fax your request to:

Federal Deposit Insurance Corporation Consumer Response Center 1100 Walnut St., Box #11 Kansas City, MO 64106

Address: 1100 Walnut St., Box #11 Kansas City, MO 64106

Phone (call toll free) : 1-877-275-3342 (1-877-ASK-FDIC) Hours of operation: Monday - Friday from 8 a.m. - 6:00 p.m. (EST) Saturday from 8:00 a.m. - 1:00 p.m. (EST) Sunday - none

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Bank, credit, and securities complaints

Learn where to file a complaint about banking and investment products, retirement plans, and the companies and professionals that offer them.

File a complaint about a financial institution

To report problems with your bank, financial institution, lender, or broker: 

• Use this sample complaint letter as a guide to help you explain the problem and how you want the bank to fix it.
• Provide copies of receipts, checks, or other proof of the transaction.

File banking and credit complaints with the Consumer Financial Protection Bureau

If contacting your bank directly does not help, visit the Consumer Financial Protection Bureau (CFPB) complaint page to:

• See which specific banking and credit services and products you can complain about through the CFPB
• Understand the complaint process
• Find out what documents and information you need to include with your complaint
• Start the complaint filing process

File a complaint about securities and retirement plans

You can complain to state and federal regulators about investment securities such as stocks and bonds, retirement plans, and the companies that deal in them.

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• Find your state's securities regulator .
• Read about the types of complaints they handle and the complaint process.
• Use the SEC’s online form to file your investor complaint.

Retirement and pension plans

• File a complaint online with the Employee Benefits Security Administration about your 401(k), profit sharing, defined benefit, or other plan.

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The Federal Reserve urges you to file a complaint if you think a bank has been unfair or misleading, discriminated against you in lending, or violated a federal consumer protection law or regulation. You can file a complaint online through the Federal Reserve's Consumer Complaint Form .

You can also call or email Federal Reserve Consumer Help , the System's central repository for consumer complaints and inquiries, and they will walk you through the process of filing a complaint and answer any questions you might have.

Although the Federal Reserve looks into every complaint that involves banks it regulates, it does not have the authority to resolve every problem. There are several federal agencies who handle complaints about banks and other financial institutions, so the Federal Reserve may connect you with or forward your complaint to another federal regulator.

Related Information

Find out who regulates your bank: FFIEC's Consumer Help Center

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View a sample complaint letter/email

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Ready to file a complaint?

File your complaint now using the online complaint form .

You may also download and send your complaint via fax or mail using our PDF form . We will review your information and respond to you, acknowledging your complaint within 15 business days. Our response will tell you the federal regulator or Reserve Bank that will be investigating your complaint. Questions regarding the status of your complaint should be directed to the federal regulator or Reserve Bank identified in our response.

If you have questions about how we handle complaints, please view the Federal Reserve Consumer Complaint Process . If you still have questions, call us toll-free at 888-851-1920 (TTY: 800-877-8339 via a relay service).

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If you know the regulator of the institution you have concerns about, you may speed up the processing of your complaint by contacting the regulator directly. The FFIEC Consumer Help Center can help you find the correct regulator, if you have some identifying information about the institution. If you are not sure about the regulator, file your complaint online and we will be happy to help.

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Sample Customer Complaint Letter

Information To Include in Your Letter

Sample letter, example complaint letter, report fraud or deception.

Be polite and reasonable in your letter. The person who will read it probably didn’t cause the problem, but may be very helpful in resolving it.

Give the basics

• Include your name, mailing address, and phone number, if you want the business to use it.
• Include your account number, if you have an account with the business, and the related transaction number.
• Give the product name and its serial or model number.
• State the date and place you bought the product or service or had it repaired or serviced. Give important details about the transaction.

Tell your story

• Explain the problem.
• Give a brief history of what you've done to fix the problem if that helps to explain why you’re writing to the business.

Explain how you want to resolve the problem

• Tell the business what you want, like a refund, repair, exchange, or store credit. Or ask the business to suggest a solution.
• Name all the documents you include with the letter. Make copies of important documents and send the copies in the letter. Keep the original documents.
• Tell the business how to contact you.

Describe your next steps

• Say how long you’ll wait for the business to answer you. Pick a date that gives the business time to act.
• Tell the business what you plan to do next. For example, report it to the  Better Business Bureau  or your state  state attorney general   or   local consumer protection office .

Send your complaint letter

• Make a copy of the letter to keep.
• Send your letter by certified mail and ask for a return receipt. If you file your complaint letter online, print the screen that shows your letter or take a screenshot of your letter before you click “submit.”

This sample letter has choices to help you build your letter. When you write, pick the words that describe your situation.

[Your Mailing Address]

[Your City, State, Zip Code]

[Your email address]

[Date  you write the letter]

[Name of Person  you're writing to]

[Title  of person you're writing to (or) Consumer Complaint Division]

[Name of Business]

[Business Street Address]

[Re: Your account number if you have one and the order (or) transaction number ]

Dear [Name of Person (or) Consumer Complaint Division] :

On  [date] , I [bought (or) leased (or) rented (or) hired (or) or had repaired (or) had serviced]  a  [name of the product or service]   [with serial (or) model number]  at [place you got the product or service].  [Add other important details about the transaction.]

Unfortunately, [your product has not performed well (or) the service was inadequate]  because  [the product was defective (or) the product doesn't work properly (or) the service wasn’t performed correctly (or) I was billed the wrong amount (or) something was not disclosed clearly (or) something was misrepresented (or) explain the problem] .

To resolve the problem, I would like a  [refund (or) repairs (or) an exchange (or) store credit (or) explain what you want the company to do] . I have enclosed copies of my  [records (or) receipts (or) guarantees (or) warranties (or) cancelled checks (or) contracts (or) model and serial numbers (or) other documents]  about this transaction.

I look forward to your reply and a resolution to my problem. I will wait until  [give a date]  before I contact a consumer protection agency or get other help.

Please contact me [at the address on this letter (or) at the email on this letter (or) by phone at (xxx)-xxx-xxxx].

[Your name]

Enclosure(s)

[Name the documents you include with the letter]

Here’s an example of a complaint letter .

If you think a business has been dishonest, contact your state attorney general or consumer protection office . Tell the FTC too, at ReportFraud.ftc.gov . The FTC doesn't resolve individual reports, but your report helps law enforcement detect patterns and may lead to an investigation.

For more help resolving a customer problem, check out these ideas and strategies .

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Knowledge base, how do i report a concern with a u.s. bank product or service.

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You may contact us anytime in person at any of our branch locations or contact us at the applicable number below. We accept relay calls.

*We can also be reached at one of our general numbers: Personal credit cards at 800-285-8585 or business credit cards at 888-485-4545.

Bank Complaint Letter: How To Write It Right!

In this article, I’ll share my step-by-step guide on how to write an impactful bank complaint letter, along with a customizable template and personal tips from my experience.

Key Takeaways:

• Purpose : Understand the significance of a bank complaint letter.
• Structure : Learn the essential components of an effective complaint letter.
• Personalization : Discover how to tailor your letter to your specific situation.
• Evidence : Recognize the importance of attaching supporting documents.
• Follow-up : Know the steps to take if your initial complaint doesn’t receive a response.
• Template : Access a ready-to-use template to streamline your letter-writing process.

Step 1: Start with Your Contact Information

Your Name Your Address City, State, Zip Code Your Email Address Your Phone Number Date

Always begin your letter by listing your contact information at the top. This ensures the bank can easily reach out to you for further discussion or to inform you of the actions taken regarding your complaint.

Step 2: Address the Letter to the Right Department or Individual

[Bank’s Name] [Bank’s Address] City, State, Zip Code

Research and identify the appropriate department or individual responsible for handling customer complaints. Addressing the letter correctly increases the chances of it being taken seriously and acted upon swiftly.

Step 3: Introduce Your Issue Clearly

Trending now: find out why.

Start your letter with a clear statement of the issue. Be concise and to the point, outlining the problem without veering into unnecessary details.

Example : “I am writing to express my dissatisfaction with the unauthorized transaction dated [Date], involving the amount of [Amount].”

Step 4: Provide a Detailed Account of the Problem

This section is where you delve into the specifics. Narrate the sequence of events, including dates, transaction details, and any relevant interactions you had with the bank’s staff. The goal is to paint a clear picture of the issue without leaving any pertinent details out.

Step 5: Attach Supporting Documents

Whenever possible, attach copies of documents that support your claim. This might include bank statements, emails, or other relevant correspondence. Remember, these documents should corroborate your narrative and provide tangible evidence of your claim.

Step 6: State Your Desired Outcome

Clearly articulate what you expect as a resolution to your complaint. Whether it’s a refund, a correction of the error, or any other specific action, stating your desired outcome shows the bank exactly how to resolve the issue to your satisfaction.

Step 7: Maintain a Professional Tone

Throughout the letter, keep your tone respectful and professional. While it’s normal to feel frustrated or upset, a calm and composed tone is more likely to elicit a positive response from the bank.

Step 8: Close with a Call to Action

End your letter by urging the bank to address your complaint promptly. Indicate that you expect a response within a specific timeframe, typically 14 to 30 days.

Step 9: Sign the Letter

Conclude with a formal sign-off like “Sincerely” or “Regards,” followed by your handwritten signature and typed name.

Personal Tips from Experience:

• Be Specific : Vagueness can delay the resolution process. The more specific you are about the complaint, the easier it is for the bank to investigate and address it.
• Keep Records : Always keep a copy of the letter and any correspondences for your records. They might be needed for further follow-ups or escalation.
• Follow Up : If you don’t receive a response within the expected timeframe, don’t hesitate to follow up with the bank. Persistence is key in ensuring your issue is resolved.

Bank Complaint Letter Template:

[Insert Your Contact Information] [Date]

[Bank’s Contact Information]

Subject: Complaint Regarding [Specific Issue]

Dear [Bank’s Representative Name],

I am writing to formally complain about [briefly state the issue]. On [Date], I noticed [describe the problem in detail, including dates, amounts, and what went wrong].

I have already attempted to resolve this issue by [mention any previous attempts to solve the problem, like phone calls, emails, etc.]. Attached, you will find copies of [list any documents or evidence you’re including, like statements, email correspondences, etc.].

I would appreciate it if you could [state your desired outcome], to resolve this matter satisfactorily. I expect a response to my letter within [mention your expected timeframe], and I hope to see the issue resolved promptly.

Thank you for your attention to this matter.

Sincerely, [Your Signature] [Your Printed Name]

In Conclusion

Writing a bank complaint letter doesn’t have to be daunting. With the right structure, details, and tone, you can effectively convey your concerns and prompt the bank to address your issue. Remember, the goal is to resolve the problem amicably and maintain a good relationship with your financial institution.

I’d love to hear about your experiences with writing bank complaint letters. Have you found a particular approach effective? Share your stories and tips in the comments below

Frequently Asked Questions (FAQs)

Q: what is a bank complaint letter.

Answer: A bank complaint letter is a formal letter written by a bank customer to express their dissatisfaction with a particular aspect of the bank’s service or operations. It is a way for customers to communicate their concerns and to request a resolution to the issue at hand.

Q: What should I include in a bank complaint letter?

Answer: A bank complaint letter should include a clear and concise description of the problem, including any relevant details such as the account number, date of the incident, and any names of bank employees involved. 

It should also include a clear statement of what the customer is seeking, such as a refund or a change in policy, and any relevant documentation or evidence to support their claim.

Q: How do I address a bank complaint letter?

Answer: A bank complaint letter should be addressed to the appropriate person or department within the bank, such as the customer service manager or the complaints department. 

It is important to use a formal salutation, such as “Dear Sir/Madam,” and to include the relevant contact information for the customer.

Q: What tone should I use in a bank complaint letter?

Answer: A bank complaint letter should be written in a polite and professional tone. While it is important to express dissatisfaction with the bank’s service, it is also important to remain respectful and avoid using accusatory or confrontational language.

Q: What should I do after sending a bank complaint letter?

Answer: After sending a bank complaint letter, it is important to follow up with the bank to ensure that the issue is being addressed. 

This may involve contacting the bank’s customer service department, scheduling a meeting with a bank representative, or requesting additional information or documentation. 

It is also important to keep a record of all correspondence and to follow up regularly until the issue is resolved to the customer’s satisfaction.

Complaints from bank and insurance customers are predicted to rise next year as households navigate scams and increasing premiums for car and travel insurance.

It comes as the cost of living crisis is making people more susceptible to fraud , while households are trying to make every penny count with the products and services they pay for.

The Financial Ombudsman Service (FOS) – which deals with public complaints against providers such as banks, insurers and pension companies - has predicted it will deal with 181,300 cases next year.

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That is up from 179,000 this year and 165,149 in 2022.

Most complaints are forecast to come from bank and insurance companies , while fewer issues are expected to be raised about investments and pensions .

Here is why issues may come up with your bank and insurance company next year and how to complain.

The main causes of financial complaints

An increasing number of people with bank accounts, loans and mortgages are expected to raise issues with their provider next year.

The FOS is expecting 122,600 complaints about bank accounts and consumer credit in 2024, up 1.7%.

This is attributed to a continued rise in disputed transaction due to the increasing volume and sophistication of fraud and scams.

It is also expecting a “slight increase” in complaints about mortgages , predominately led by interest rate rises as fixed term deals come to an end.

Drivers and holidaymakers are also expected to complain about higher insurance premiums and claim delays.

The FOS has forecast 44,300 insurance complaints next year, up from 43,200 in 2023.

The redress scheme said complaints about car insurance will remain high “due to the increased costs and supply challenges around parts and labour,” while flight cancellations will cause more issues with travel insurance

It comes as Association of British Insurers data showed the average price for car insurance has increased 29% annually to £561 as of the third quarter of 2023.

Another potential issue is complaints relating to consumers reducing the cost of their insurance premiums to help with overall costs, without realising the impact this may have on the type or level of cover provided.

“Given the economic challenges people are facing, it’s more important than ever that they feel protected," says chief ombudsman Abby Thomas.

"Whatever their grievance, consumers should expect fair and reasonable treatment from their provider.

“If consumers don’t feel that’s the case, they can ask our free, independent service to investigate their complaint.”

How to complain about your financial provider

The FOS should be the last resort if you have a complaint about a regulated financial product or service.

The first step is to complain to your provider in writing either by email or letter to their complaints department.

You can only complain about regulated products provided by firms approved by the Financial Conduct Authority (FCA).

That includes residential mortgages, insurance products, pensions and investments, although you can’t complain about stock market performance.

“Tell them what happened and when, and ask them to put things right,” says the FCA.

Providers need to give a response within eight weeks on if your complaint is successful, how it will be resolved or why they need more time to investigate.

If you are unhappy with the decision or have not had a response after eight weeks, you can then complain to FOS.

Complaint forms can be downloaded from the FOS website.

It will consider your issues and contact the financial firm to get their side before making a decision whether to uphold the complaint and award compensation.

The latest FOS data shows it upheld 35% of complaints in 2022.

There are no costs to complain to your financial provider or to the FOS.

Another option if you are unhappy with complaining to your financial provider or the FOS is to take legal action.

But this will cost you as you may need to pay for legal advice and cover court fees.

Claims management companies can also help with complaints on a no-win-no-fee basis but could take a large chunk of any compensation you receive.

Marc Shoffman is an award-winning freelance journalist specialising in business, personal finance and property. His work has appeared in print and online publications ranging from FT Business to The Times, Mail on Sunday and The i newspaper. He also co-presents the In For A Penny financial planning podcast.

With interest rates at a 16-year high, how can you shield your savings from the taxman?

By Katie Williams Published 28 June 24

The problems have been compounded as Friday is the last day of the month when many people are paid by their employer

By Chris Newlands Published 28 June 24

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How to File a Complaint Against a Bank

Last Updated: December 28, 2022 References

This article was written by Jennifer Mueller, JD . Jennifer Mueller is an in-house legal expert at wikiHow. Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. She received her JD from Indiana University Maurer School of Law in 2006. There are 7 references cited in this article, which can be found at the bottom of the page. This article has been viewed 21,321 times.

It can be frustrating when a US bank or other financial institution makes a mistake or doesn't treat you fairly, especially if you don't know where to direct your complaint to correct the situation. Generally, it's a good idea to try to solve the problem internally if at all possible. However, if the bank isn't willing or able to resolve your issue to your satisfaction, you can escalate the situation by submitting a complaint to the government agency that regulates that bank. If your complaint involves loan products, you can also submit a complaint to the Consumer Financial Protection Bureau (CFPB). [1] X Trustworthy Source USA.GOV Official website for the United States federal government Go to source

Working with Customer Service

• Make copies of any documents you plan to share with the bank – don't give up your originals.

• Before you call, organize your information so you can refer to it quickly if asked. Have a piece of paper and pen or pencil handy as well, so you can take down information such as the date and time of the call and the name of the person you spoke to.
• If the first person you talk to claims they can't help you or that the bank did not handle your situation incorrectly, don't be afraid to ask to speak to their supervisor. Keep moving up the chain, if necessary, until you're satisfied that you've gotten all you possibly can out of the bank.

• {If you're meeting someone face to face, remain calm and respectful. Even if you're angry about the situation, you likely won't get the bank to do what you want by making a scene in front of other customers.

Tip: If your complaint relates to a specific individual, it's best to start by complaining to someone who has direct authority over that person.

• If you need some help, you can use the sample complaint letter at https://www.usa.gov/complaint-letter to help you formulate your letter.
• If you're not sure where to mail your complaint, look for a contact page on the bank's website. There should be an address listed for complaints or customer service issues.
• Make a copy of your letter for your records after you've printed and signed it. Mail your letter using certified mail with return receipt requested so you'll know when the bank receives your letter.

Complaining to a Regulatory Agency

• Make copies of any documents you plan to send to the regulatory agency. Don't send originals, because they may not be returned.

• Make sure you have all the information and documents you need handy before you begin filling out the online complaint form. You only have 30 minutes to complete it or your session will time out and you'll have to start over.
• If you don't feel comfortable submitting your complaint online or need more time to complete the form, you can print off a copy, complete it, and mail it to Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010.

• If you need to submit copies of supporting documents, mail those documents to FDIC Consumer Response Center, 1100 Walnut St., Box #11, Kansas City, MO 64106. You can also fax supporting documents to 703-812-1020.
• If you don't feel comfortable submitting the form online, you can print it off and mail it to the same address. You can also write a letter to the FDIC describing your problem, as long as it includes all the same information that you would have put on the form.

Tip: Your state's bank regulator may also be able to help you. The CFPB has a list of state bank regulators and their contact information available at https://www.consumerfinance.gov/ask-cfpb/how-do-i-find-my-states-bank-regulator-en-1637/ .

• The NCUA will forward your complaint to the credit union for review and attempt to resolve your complaint. If the situation is not resolved within 60 days, the NCUA will begin a formal investigation.
• If you're mailing your complaint form, send it to National Credit Union Administration, Consumer Assistance Center, 1775 Duke St., Alexandria, VA 22314-3418.

• To access the online complaint form, go to https://forms.federalreserveconsumerhelp.gov/secure/complaint/complaintType . You can submit your complaint directly online or download a version of the same form that you can print and mail to the Federal Reserve.
• If you've filled out a paper form, mail it to Federal Reserve Consumer Help, PO Box 1200, Minneapolis, MN 55480. You can also fax your completed form to 877-888-2520.

Tip: Depending on your issue and the financial institution involved, you may be able to submit your complaint to multiple regulatory agencies at the state and federal level. The Federal Reserve can help you identify all the regulatory agencies that potentially should be involved.

Submitting a Complaint to the CFPB

• When you file your complaint online, you can attach documents that support your complaint. If you have paper documents, scan them so that you can upload them with your complaint.

• If you're interested in learning more about the subject of your complaint or your rights under federal law, click the "Consumer Tools" tab on the website's homepage.
• If you just want to go straight to filing your complaint, click the blue link in the top-right corner of the homepage that says "Submit a Complaint."

Tip: The CFPB also publishes the complaints it handles so you can learn more about other consumers who may have been in a similar situation. You can search these complaints under the "Data & Research" tab to find out if other consumers have had complaints about your bank and how those complaints were resolved.

• If the issue you're having doesn't clearly relate to any of the categories listed, the CFPB cannot help you with your complaint.
• When you file your complaint, you'll create an account at the CFPB website. You can log in to this account again if you have a different complaint in the future. You can also use this account to monitor the status of your complaint after you submit it.

• If the CFPB determines another agency would be better able to handle your complaint, it will forward the information to that agency. You'll get an email letting you know that the other agency is now handling your complaint.

• You have 60 days from the date the bank responds to provide feedback, so you don't have to do it immediately. If the bank has promised to return money to you, wait until you have the money before you submit feedback.

Expert Q&A

• This article discusses filing a complaint against a US bank. If you have an issue with a bank in a different country, contact the national regulatory authority or talk to a local attorney who specializes in consumer rights. Thanks Helpful 0 Not Helpful 0

You Might Also Like

• ↑ https://www.usa.gov/complaints-lender
• ↑ https://www.fdic.gov/consumers/assistance/protection/errorresolution.html
• ↑ https://www.federalreserveconsumerhelp.gov/about/ready-to-file-a-complaint
• ↑ https://www.federalreserveconsumerhelp.gov/about/before-i-file-a-complaint
• ↑ https://www.consumerfinance.gov/complaint/getting-started/
• ↑ https://www.consumerfinance.gov/complaint/
• ↑ https://www.consumerfinance.gov/complaint/process/

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9 Mistakes to Avoid When Writing a Complaint Letter

Being on the receiving end of malpractice, unfair treatment, inadequate services, or just plain incompetency in today's consumer marketplace is enough to make even the calmest personality react in anger. We pay for a service—either through our hard-earned money or taxes—and we expect to get that service, as it is advertised. When the reality of the ordeal falls far short of expectations, the first course of action most will take is to file a formal complaint—commonly in the form of a complaint letter.

What a complaint letter is

In the simplest of terms, a complaint letter is a method to file a formal complaint against a service provider, whether a company or an individual, in hopes of resolving a problem. It can be used as a first step in a legal process involving potential lawsuits or as a simple way to inform a manager if an employee acted in a derogatory, offensive, or incompetent manner. It is a clear statement of the events that occurred, when and where they occurred, and attached to it should be accompanying evidence—much like a police report would have.

What a complaint letter isn't

A complaint letter is not an opportunity for you to swear, threaten, or make blanket accusations. It is not an opportunity for you to berate anyone; make racist, misogynistic, or vulgar remarks; or suggest who should be hired and who should be fired. It isn't even an opportunity for you to vent your frustrations or air out your feelings over the situation, although it might be a good avenue for both.

9 mistakes to avoid

Since the point of writing a complaint letter is to have your concerns addressed fairly and quickly, here are 9 mistakes to avoid if you want your complaint letter to work.

• Don't be vague or leave out details. The best (and most effective) complaint letters are those written in a clear, concise manner, without rants, getting off topic, or vague hints. If you believe an employee acted in an unscrupulous or disrespectful manner, say so, then explain why you believe this. Basically, cut to the chase. State the exact date when the incident occurred, where it occurred, and the time it occurred—or at least, as close to the exact time as you can remember.
• Don't make unreasonable demands. Stating that you want an employee fired immediately is an example of an unreasonable demand. There are legal processes an employer must go through in order to fire an individual, or that employer might risk getting involved in a lawsuit. So, any demands you make contrary to those processes will not be met. You will also come off as "presumptuous" more than "professional" when you make unreasonable demands. Keep in mind that it is not your place to have this employee fired or otherwise disciplined—rather, it is your place to inform the employers or business owners of the employee's actions and let them decide what the best course of action is. If you are unhappy with that course of action, or feel that it is not the best one the business owner or manager could take, it is your choice to no longer frequent that place of business.
• Don't assume the reader is responsible. Depending on the channels through which complaints are handled in a particular organization, it is highly likely that the person who will be reading your letter is different from the person responsible for the problem or the incident. This will obviously vary according to each company's policy. If you make this assumption each time, it will help you to use the right language and tone and act as a sort of buffer against over-reacting to the incident. This is especially true if you are complaining about the actions of an employee—actions that are likely unknown to the managers or the business owners. In such cases, it is best to not jump to any conclusions about the business until the business owners or managers are made aware of the issue. If it is only a rogue employee acting out or not following company protocol, blaming the entire business enterprise for those actions will make you seem less professional in your observations.
• Don't write words that are angry, sarcastic, or threatening. Beyond the fact that these approaches are unprofessional, they can also prevent your complaint from reaching the right person. Many companies have policies in place allowing expletive-loaded complaints to be ignored as a way to protect their employees from abusive treatment from customers. Such approaches can also be potentially illegal, and any complaint taken as a personal threat to someone's life or property can be turned in to the police for possible prosecution. You don't want a complaint letter to land you in legal trouble, so it's best to avoid any semblance of threats against someone. If you must make threats, then threaten to take your business elsewhere, or threaten to let your social media followers know about the incident. All of this can be leverage you use within your letter to get your complaint processed.
• Don't leave out proof. If the reason for your complaint has to do with words used by an employee, you'll need to show proof of that communication and of the words being used. If it occurred on social media, take a screen shot of the employee's response and include that with your complaint letter. If the communication occurred by e-mail, have a copy of the e-mail attached. If the incident occurred in person, get a witness statement from someone who observed the interaction. If by phone, it's unlikely that you'll have recorded the conversation, although most companies do this already. Request that they review their records as documentation. Whatever the form of communication that was used during the incident or exchange of money for services, find a way to document it to provide evidence for your complaint.
• Don't forget to include copies of all relevant documents. This is particularly important if your complaint is the result of receiving fewer services or items than what was originally agreed upon when you ordered. Have copies of all relevant documents such as receipts, warranties, work orders, project proposals, service descriptions, or catalog descriptions. If you received an inferior product or service, have photographic proof of it and attach it to your letter. Even the most reasonable complaints can lose their argument if you leave out the proof. When someone's job is at stake, they are likely to go into defensive mode and say or do anything they possibly can to keep their job. In such cases, it becomes your word against theirs if you fail to provide copies of the relevant documents involved.
• Don't leave out your name and contact information. For your complaint to be properly handled, the involved parties need to know how to reach you by phone, e-mail, or both. If you have an account number, be sure to give them that information, as well. In many situations, it is likely that someone will want to call you or meet with you to speak personally about the incident.
• Don't just stamp it and mail it—send it by certified mail. By sending your complaint letter via certified mail, you will have a way to track its receipt in case the situation escalates to a lawsuit or prosecution. Certified mail also requires a recipient signature, so you have written proof stating who received the complaint and when they received it.
• Don't have grammar mistakes or typos. Leaving grammar mistakes, punctuation errors, or typos in your complaint letter could potentially have an impact on how that letter is received and what is done about your complaint. Ideally, a complaint should be a complaint, whether demonstrating English skills or not. However, this is often not the case, so don't allow these fixable problems to potentially reduce the effectiveness and the voice of your complaint.

While we all hope our consumer experiences, and experiences with government-provided services, go smoothly—life is not always smooth or easy. In cases where you believe you have been treated unfairly, have not been given the services you paid for, or have otherwise been the victim of malpractice and/or abuse, a complaint letter is a powerful option to get something done about it.

Sample complaint letter

Dear Sir/Madam,

I am writing today to bring to your attention the poor dog-sitting service I received from your company on August 25, 2017. I have been a client of your service for almost two years, and up until now, have had no negative incidents occur. I trust from my experience that this particular incident is not the standard of how you conduct business, nor the standard of pet care I know your business seeks to provide its clients.

On August 25, 2017, I returned home around 7:30 PM to find my dog roaming free in the front yard, with no caretaker in sight. As you can imagine, I was horrified, as I live near a busy highway, with traffic flowing in both directions and many dangers for a loose animal (and drivers!).

When I managed to call my dog to me and to secure her, I entered my home to find Karen, the dog-sitter your company sent over, on her phone, chatting casually. To my knowledge, she was completely unaware of my dog's exit and my return. It wasn't until she took her earbuds out that she addressed the situation at all.

I asked for an explanation and Karen said that she accidentally left the door slightly ajar after she went outdoors to retrieve her earbuds from her car. I find this to be irresponsible for a pet caretaker to do, as well as dangerous for all involved. What if someone else had come into the house while I was away?

I am concerned about the level of nonchalance I felt from Karen, in that she didn't seem too upset at the fact that she left the door ajar in the first place. I got the feeling that she thought I was overreacting.

I trust that you'll take care of this situation and let her know that your clients expect a higher standard than this from Pet Sitters, Inc. Due to the great experiences I've had from previous pet sitters you've sent, I will assume this is not your company's common practice, and request a different sitter to be sent to my house next time I order pet sitting services from you.

Thanks for your time and attention to this matter. If you need to reach me for further clarification, or to ask additional questions related to this incident, please feel free to do so. My phone number is [insert phone number here].

Best, Your Name

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25+ Complaint Letter to Bank – Check Sample, Tips, Examples

• Sample Letters
• February 19, 2024
• Complaint Letters , Bank Letters

Complaint Letter to Bank Format – A Complaint letter is written in which someone reports a bad experience to complain. how to write a complaint letter to bank manager also available them on our website. Sample complaint letter format to bank for poor service . So, read the complete article to know more about Complaint Letter to Bank . 

Complaint Letter to Bank – Sample, Format & Writing Tips  

Content in this article

Also Read: 21+ Loan Closure Letter Format Sample PDF Download Examples

What is Complaint Letter to Bank?

A complaint Letter to Bank is written when the customer of a bank is having problems with his/her account or with the service of the bank. A bank customer has a right to bring to the attention of the bank authority. 

What does Complaint Letter to Bank contain?

Complaint Letter to Bank contains to resolve the problem, consider writing a complaint letter. This complaint letter is most important which helps to preserve any legal rights you may have in the situation, and lets the company know you’re serious about pursuing the complaint. 

Complaint Letter to Bank Example

Here’s an example of Complaint Letter to Bank:

Name _________________________

Address ______________________

Subject: 

Address _______________________

Dear ______________________,

I am one of your clients for the past two years. I wish to bring to your notice that I am facing a problem with my account. I submitted my request letter. But, I didn’t get any response from the bank. I kindly request your staff to kindly sort out my problem. 

And, below are my account details which have been mentioned for you to check and clear my problem.

My account details are:

Name ___________________

Account No ____________________

Type of Account __________________

I am also enclosing a copy of my documents as proof for your reference. 

Yours Sincerely,

Complaint Letter to Bank Sample Format

Draft a formal complaint letter to your bank addressing a specific issue, providing details of the problem, your attempts to resolve it, and expectations for resolution. Attach relevant documents and express the need for a prompt response.

[Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date]

[Bank Name] [Bank Address] [City, State, Zip Code]

Subject: Formal Complaint Regarding [Nature of the Complaint]

Dear [Bank Manager’s Name],

I hope this letter finds you well. I am writing to express my dissatisfaction and disappointment regarding an issue I have encountered with your bank. My account details are as follows:

• Account Holder’s Name: [Your Full Name]
• Account Number: [Your Account Number]
• Date of Incident: [Date]

Nature of the Complaint: [Clearly describe the issue you are facing, providing specific details such as dates, transaction amounts, and any relevant reference numbers. Be concise but thorough in explaining the problem.]

Previous Attempts to Resolve: [Detail any previous attempts you have made to resolve the issue, including dates and the names of any bank representatives you may have spoken to.]

Expectations and Requested Action: [I expect a prompt and thorough investigation into this matter. Please rectify the issue and provide a written explanation of the steps taken to resolve it. If applicable, specify any compensation or remedial actions you are seeking.]

Attachments: [Include copies of relevant documents, such as transaction receipts, statements, or any communication with the bank.]

I appreciate your prompt attention to this matter. I believe in the professionalism of [Bank Name] and trust that you will address and resolve this issue to my satisfaction. I expect a response within [a reasonable timeframe, e.g., 14 days] from the date of this letter.

Thank you for your understanding and cooperation in resolving this matter.

[Your Full Name] [Your Signature]

Note: Customize the letter according to your specific complaint, providing accurate details and maintaining a professional tone throughout.

Complaint Letter To A Bank Manager About Wrong Statement #1

This is the letter to the bank manager about the wrong statement printed on your account. Although, in the digital era, changes for the errors happening are very few. If this will happen then you should have it verified again with the bank official and have it reconciled to the actual transaction that had happened. 

Branch Manager _____________________

Bank Name _______________________

Address ____________________________

Subject: Complaint Letter to a Bank Manager about Wrong Statement

Name __________________________

Dear Mada/Sir _____________________,

I am maintaining a current account in your bank at ________________ branch. My account number is ____________________. Today, While I going through the printed statement received from your bank. I received your current account, we noticed that one of the entries is missing. 

Kind request to have the missing entry be reflected in the statement and duly reconciled in the records of your bank. If there is any cooperation required from our end in this regard. 

Kindly do the needful.

Thanking You.

Yours Faithfully,

Name _______________________

Signature _______________________

Complaint Letter To Bank For Credit Card Charges #2

Letter of the Compliant Letter to Bank for credit card charges. We can either visit the bank to discuss the issue with the concerned official for this and explain the matter. Or sometimes, they may require a formal compliant letter from you in case the matter is a little complex. So, you should have to submit a letter explaining the whole issue. 

Name ______________________

Address ___________________________

Branch Name _______________________

Subject: Compliant Letter to Bank for Credit Card Charges

Name ____________________________

Respected ________________________,

I am _____________________. I am one of the Card Holder of your bank having credit card number __________________. I am writing this letter to complain about the charges being levied on my credit card. Amount of __________________ levied on my account. 

Kindly look into this matter and get the reserved to prevent the same in the future. 

Below are the details of the card:

Card Number ___________________

Account Number ____________________

Bank Type ______________________

So, my account and solve my problem as soon as possible. 

Signature ______________________________

Complaint Letter To Bank For Unauthorized Transactions #3

This is the complaint letter to the bank for unauthorized transactions through the letter. These kinds of the letter help to bank to do the needful regarding a transaction that was not authorized by the bank clients and to investigate the cause of such problems to prevent similar complaints in the future. 

Address ________________________

Subject: Complaint Letter to bank for unauthorized transactions

Address __________________________

This letter is regarding the message that I received which I was not withdrawn from my account. As I am one of the bank holders that an amount has been debited from my account of ___________________.

I wish to bring to your notice that an amount of _____________ has been debited from my account on ____________ not executed by me. 

My account details are mentioned below:

Name ____________________

Account Number ________________

Type of Account _______________________

And, also I am enclosing a copy of my accounts balance status which reflects the transaction number and other details for the fraud transaction.

I request you to take up this matter urgently to help me recover my money.

Signature _________________________

Also See: 15+ Complaint Letter Format – Words To Write, Examples

Complaint Letter To Bank Template – #4

If there is anything from the side of your bank that you may be unhappy about then being the customer of the bank you have got the right to raise your complaint about it. So, here is the sample template of the letter which can be used by you as a guide to writing this letter. 

Subject: Sample Compliant Letter to Bank Template

Name __________________

Address ________________

Dear __________________,

I am one of the customers of your bank for six years. This is the complaint letter to the bank during the account opening I mentioned that I need my ATM urgently as I have to do daily transactions from my account and taking out money from the ATM is easy. I told them that something was wrong with the bank system and I must fill my ATM form again. 

Below are the account details that mentioned:

Name _____________________

Account Type ____________________

I have mentioned the account details above and will be looking forward to hearing from you soon. Please look into the matter at your earliest and arrange my ATM card. 

With Regards,

Name ________________

Signature _____________________

Bank customer service complaint letter

Compose a formal complaint letter to the bank’s customer service, outlining the issues faced, previous attempts to resolve, and expectations for resolution. Attach relevant documents and emphasize the need for prompt attention to the matter.

[Bank Customer Service] [Bank Name] [Bank Address] [City, State, Zip Code]

Subject: Customer Service Complaint – [Nature of the Complaint]

Dear Bank Customer Service,

I hope this letter finds you well. I am writing to express my dissatisfaction with the level of service I have received from your bank. My account details are as follows:

Nature of the Complaint: [Clearly describe the issue you have encountered with the bank’s customer service, providing specific details. Include any relevant dates, names of customer service representatives involved, and reference numbers.]

Previous Attempts to Resolve: [Detail any previous attempts you have made to resolve the issue, including dates and the names of any customer service representatives you may have spoken to.]

Expectations and Requested Action: [I expect a thorough investigation into this matter. Please rectify the issue and provide a written explanation of the steps taken to resolve it. If applicable, specify any compensation or remedial actions you are seeking.]

Attachments: [Include copies of relevant documents, such as communication with customer service representatives or any supporting evidence.]

Bank Customer Service Complaint Letter

Bank error complaint letter

Compose a formal complaint letter to the bank addressing a significant error identified in your recent bank statement. Clearly outline the nature of the error, detail previous attempts to resolve, and express expectations for a prompt and thorough investigation and resolution.

[Bank Manager’s Name] [Bank Name] [Bank Address] [City, State, Zip Code]

Subject: Formal Complaint Regarding Bank Error

I trust this letter finds you well. I am writing to bring to your attention a significant error I discovered in my recent bank statement. The details of my account are as follows:

Account Holder’s Name: [Your Full Name] Account Number: [Your Account Number] Date of Error: [Date] Nature of the Bank Error: [Clearly describe the error you have identified, providing specific details such as incorrect transactions, amounts, and any relevant reference numbers.]

Previous Attempts to Resolve: [I have made previous attempts to address this issue, including contacting your customer service on [specific dates] and providing the reference numbers of those interactions. Unfortunately, the matter remains unresolved.]

Expectations and Requested Action: [I expect an immediate and thorough investigation into this matter. Kindly rectify the error promptly and provide a written explanation of the steps taken to resolve it. If applicable, specify any compensation or remedial actions you are seeking.]

Attachments: [Include copies of relevant documents, such as the erroneous bank statement, and any communication with the bank regarding the issue.]

I appreciate your immediate attention to this matter. I believe in the integrity of [Bank Name] and trust that you will address and rectify this error promptly. I expect a response within [a reasonable timeframe, e.g., 14 days] from the date of this letter.

Bank Error Complaint Letter

Bank complaint letter Email format

Compose a formal complaint email to the bank manager addressing a specific issue, providing details of the problem, previous attempts to resolve, and expectations for resolution. Express the need for prompt attention to the matter.

I trust this email finds you well. I am writing to bring to your attention a significant issue I have encountered with [Bank Name]. My account details are as follows:

Nature of the Complaint: [Clearly describe the issue you have encountered, providing specific details such as dates, transaction amounts, and any relevant reference numbers.]

Expectations and Requested Action: [I expect an immediate and thorough investigation into this matter. Kindly rectify the issue promptly and provide a written explanation of the steps taken to resolve it. If applicable, specify any compensation or remedial actions you are seeking.]

I appreciate your immediate attention to this matter. I believe in the integrity of [Bank Name] and trust that you will address and rectify this issue promptly. I expect a response within [a reasonable timeframe, e.g., 14 days] from the date of this email.

[Your Full Name] [Your Contact Number]

Bank Complaint Letter Email Format

letter of complaint to the bank manager

Draft a formal letter of complaint to the bank manager expressing dissatisfaction with the service, providing details of the issue, outlining previous attempts to resolve, and specifying expectations for prompt action and resolution.

I hope this letter finds you well. I am writing to express my dissatisfaction and disappointment with the service provided by [Bank Name]. The details of my account are as follows:

Letter of Complaint to the Bank Manager

Complaint letter for unauthorized bank charges

Compose a formal complaint letter to the bank manager addressing unauthorized charges on your account. Clearly outline the details of the unauthorized transactions, specify previous attempts to resolve the issue, and request prompt action for investigation, rectification, and an explanation of preventive measures to avoid future occurrences.

Also Read: 16+ IBPS PO Letter Writing Format, Templates, Tips For Exams

Subject: Complaint Regarding Unauthorized Bank Charges

I trust this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding my bank account with [Bank Name]. The details of my account are as follows:

• Date of Unauthorized Charges: [Date]

Unauthorized Charges Details: [Clearly list and describe the unauthorized charges, providing specific transaction details and amounts. Attach any relevant statements or documentation supporting your claim.]

Previous Attempts to Resolve: [I have made several attempts to resolve this issue by contacting your customer service on [specific dates] and providing the reference numbers of those interactions. Despite these efforts, the unauthorized charges persist.]

Expectations and Requested Action: [I expect an immediate and thorough investigation into this matter. Kindly rectify the unauthorized charges promptly and refund the amount to my account. Additionally, provide a written explanation of the steps taken to prevent such incidents in the future.]

Attachments: [Include copies of relevant documents, such as bank statements highlighting the unauthorized charges and any communication with customer service representatives.]

I appreciate your immediate attention to this matter. I believe in the integrity of [Bank Name] and trust that you will address and rectify this issue promptly. I expect a response within [a reasonable timeframe, e.g., 14 days] from the date of this letter.

Note: Customize the letter according to your specific situation, providing accurate details and maintaining a professional tone throughout.

Complaint Letter for Unauthorized Bank Charges

FAQS for Complaint Letter to Bank – Check Sample, Tips, Examples

How should i structure a complaint letter to bank.

This Complaint Letter to Bank begin with a formal salutation, introduce the issue in a concise manner, provide details and evidence, and conclude with a clear request for resolution.

What information should be included in a complaint letter to bank services?

Specify your account details, describe the issue, In this Complaint Letter to Bank include relevant dates and transaction details, and highlight any previous attempts to resolve the matter.

Is it necessary to include evidence with a Complaint Letter to Bank?

Yes, attaching relevant documents such as bank statements, screenshots, or communication records can strengthen your case and help the bank understand the issue.

Can I send a Complaint Letter to Bank via email, or should it be mailed?

Complaint Letter to Bank, Both options are acceptable. Choose the method that aligns with your preference and the bank’s communication preferences. Ensure the subject line of the email is clear.

What tone should be maintained in a complaint letter to bank?

Complaint Letter to Bank Maintain a professional and respectful tone. Clearly express your concerns and expectations without using offensive language.

Most of the complaint details were mentioned in Complaint Letter to Bank.  And, also you can refer to the How to write complaint letter to bank about cash withdrawal . If have any doubts mention them in the comments. You have may also follow us on our Pinterest Page for more updates. 

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Letter Writing: Bank Complaint Letter

If you have a problem with a service or product provided by a bank, writing a complaint letter is an effective way to get the issue resolved. Use these sample letters to complain about unsatisfactory service or unfair charges.

Table of Contents

1. Explain the Problem

When you write a complaint letter, explain the problem precisely and suggest how it could be resolved. Be polite, but firm, and include any evidence that you have to support your claim, such as copies of receipts or checks. Make sure the letter is legible and dated.

Before writing a letter of complaint, try to resolve the issue with your bank or other financial institution directly. Contact a customer service representative or branch manager by phone or in person. Keep a written record of your conversation, including dates and employee reference numbers, as you may want to refer back to it later.

If you are unable to resolve the issue with your bank, consider filing a complaint with your state’s consumer protection agency or the federal Consumer Financial Protection Bureau (CFPB). If you are complaining about investments, file your grievance with your state’s securities regulator or the Securities and Exchange Commission.

2. State Your Case

You should also include a timeline in which you expect them to respond by. If you don’t have a timeline in mind, you can simply say that you will not wait very long before taking action.

Effective complaint letters are not sarcastic or threatening, as the person reading them may not have any personal involvement in your problem and they could actually be very helpful in getting it resolved. It’s always worth having someone else read your letter to see if it makes sense and is clearly written.

3. Ask for Action

Once the bank has received your complaint letter, it will have 30 days to respond to you. If the entity does not resolve the issue within that time frame, you can ask for additional assistance from your state’s consumer protection office or private legal counsel.

It’s important to file a complaint to get the bank’s attention and make it clear what kind of treatment you have received. However, it’s best to start with the company and try to come up with a solution on your own before asking the CFPB to step in, Baer says. It’s also a good idea to tell the company that you will complain on social media or other digital channels if you aren’t satisfied with its response.

If you aren’t happy with the response to your complaint from your bank, you can appeal it by contacting the banking ombudsman. This is an independent service that can help resolve disputes between consumers and banks. There are 20 banking ombudsman centres in India. You can find contact details for them in the telephone book or online.

4. Give the Response

If you are unhappy with the response to your complaint, you can ask for further information from the Financial Ombudsman Service. You should do this within six months of getting your bank or building society’s final response to your complaint or from the end of the eight week period if they haven’t responded yet.

It is important to be calm and polite in your letter, but it’s also worth pointing out that you have legal rights to the service you have received and you are not happy with it. You should also state that if you don’t get the resolution you want, you will be taking the matter further. The more you can show that you are a knowledgeable customer who knows their rights, the more likely they will be to treat your complaint seriously.

Example 1: Bank Complaint Letter

Dear Sir/Madam,

I believe that the service I received was unprofessional, and that the bank failed to provide me with the assistance I needed. I am extremely disappointed with the level of service that I have received from your bank, and I believe that this is a clear breach of the agreement between us.

Example 2: Bank Complaint Letter

[Bank Name] [Address] [City, State ZIP Code]

[Describe the incident and the issue you encountered in detail, including any relevant dates, times, and names of bank representatives you spoke with.]

I have been a loyal customer of your bank for [Number of Years], and I believe that my concerns should be taken seriously. Please let me know if you require any further information or documentation from me.

[Your Name]

Example 3: Bank Complaint Letter

I believe that the service I received was unacceptable, and that the bank failed to provide me with the assistance I needed. I am frustrated with the level of service that I have received from your bank, and I believe that this is a clear breach of the agreement between us.

Please let me know if you require any further information or documentation from me. Thank you for your attention to this matter.

About Mr. Greg

How to Write a Complaint Letter: With Comprehensive Examples

This article covers the following areas

Composing a complaint letter is essential for addressing dissatisfaction with a product or service professionally. This guide is designed to simplify the process, enabling you to articulate your concerns formally and effectively, even if you aim for a level of simplicity accessible to a younger audience.

To write a complaint letter, start with your personal details, then the date and recipient info. Politely state the issue, provide evidence, and specify a resolution. End with a willingness to engage, appreciation, and your signature.

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For an in-depth guide on crafting an effective complaint letter, including examples and tips on follow-up, continue reading below.

Purpose of a Complaint Letter

A complaint letter is like sending a formal message when something you bought or a service you used didn’t make you happy. It’s a way to tell the company about your problem and ask them to fix it. This letter helps you explain what went wrong and what you want them to do, like giving your money back, replacing the item, or just apologizing.

The main goal of writing this letter is to get the company to pay attention to your issue and do something about it. It’s like raising your hand in class to let the teacher know you need help. By putting your complaint in writing, you make sure the company knows exactly what the problem is and how serious you are about wanting it solved.

This kind of letter is powerful because it shows the company you’re serious and you understand your rights as a customer. It’s a respectful way to demand action and ensure companies listen to what you say. It’s all about standing up for yourself smartly and formally.

What to Do Before You Write?

Next, make sure you have all your facts straight. Collect receipts, photos, emails, or anything else proving your point. It’s like gathering clues for a detective case; the more evidence you have, the stronger your case will be.

1. Introductory Part of a Complaint Letter

Personal information.

When writing a complaint letter, starting with your personal information is like laying down your ID card on the table. It’s your way of introducing yourself to the company. When you meet someone new, you start with your name; in a letter, you do the same but add more details. Write your full name, home address, phone number, and email in the top left corner.

This doesn’t just tell the company who Ananya is; it also shows them how to talk back to her. Ananya says, “Here’s how you can reach me if you want to fix this.”

This step is super important because it sets the stage for everything that follows in the letter. Without it, the company might not know who’s writing to them or how to respond. It’s the first step in ensuring your voice is heard, and your problem is taken seriously.

So, remember, whenever you’re writing a complaint letter, start by clearly stating who you are and how the company can contact you. It’s a simple but powerful way to open your letter, ensuring the company notices your words.

Date and Recipient’s Details

Placing the date at the top, right after your personal information, makes it easy to see and helps keep a record of your communication.

Ananya Singh 101 Rose Avenue, Kolkata, West Bengal, 700084 Phone: 9123456780 Email: [email protected]

Think of it as addressing a package; you want to ensure it arrives at the right doorstep, not just any doorstep in the neighborhood.

By carefully including the date and recipient’s details, you’re setting up your letter for a smooth journey from your hands to the right person’s desk. It’s all about making your message clear and getting it where changes can happen.

Greeting or saying hello in your complaint letter is more important than you might think. It’s like the first impression you make when you meet someone. Knowing the name of the person you’re writing to, starting with “Dear Ms. Iyer,” shows you’ve taken the time to personalize your message. It tells the reader, “I see you as someone who can help me.”

If you’re unsure who will read your letter, “Dear Customer Service” is a respectful and safe way to start. This greeting is like knocking on a door politely before entering. It shows you’re respectful and ready to engage in a constructive conversation, no matter who is on the other side.

Attn: Customer Service TechGadgets Ltd. 234 Electronic City, Bengaluru, Karnataka, 560100

Choosing the right way to say hello sets a positive tone for the rest of your letter. It’s like starting a conversation on the right foot, making the reader more open to hearing what you say. A respectful greeting clarifies that you’re looking for a solution, not just a chance to complain.

2. Main Body of a Complaint Letter

The body of your complaint letter is where you really get down to business. This is where you explain what went wrong and what you want to be done about it. Let’s walk through how to lay out your concerns clearly and respectfully, following the format you provided.

Opening Statement

Start with why you’re writing. It’s like telling the company, “Here’s what’s up.” Briefly mention what you bought or the service you used, and pinpoint the problem. Keep it simple and to the point. For example, Ananya might write:

I am writing to express my dissatisfaction with the smartphone model X500 I purchased from your store in Electronic City, Bengaluru, on March 1, 2024. Unfortunately, the device has not been functioning properly since the day I bought it.

Detailed Account

Next, it’s time to share the story of what happened. Think of this as giving directions; you want to be clear. Mention when and where you bought the product or service and what went wrong. If you’ve tried to fix the problem, mention that too. Remember, stick to the facts. Ananya could elaborate like this:

Despite following all setup instructions, the smartphone’s screen freezes repeatedly, and the battery drains within hours. I visited your service center on March 5, 2024, but the issue persists after the attempted repair.

This part is Ananya clearly mapping her experience without letting emotions steer the narrative.

Resolution Request

Given the ongoing issues and the inconvenience caused, I kindly request a full refund or an exchange for a model that does not have these problems. I believe this is a fair request under the circumstances.

This is Ananya setting her destination, saying, “This is where I hope we can end up.”

So, once I put these three parts together, you will find something like,

Right from the start, the sound was bad, and it kept losing its Bluetooth connection. I tried fixing it with your manual and even emailed your support team on February 25, 2024, but nothing worked. By March 5, 2024, it wouldn’t even turn on.

I’m asking for a full refund of ₹5,000 or a new speaker that works as it should. I think that’s fair, given all the trouble I’ve had.

By structuring the body of your complaint letter this way, you’re guiding the company through your experience and toward a resolution. It’s about being clear, factual, and fair, laying out a path to a satisfactory outcome for both parties. This approach effectively communicates your concerns and shows you’re seeking a reasonable solution.

3. Concluding Parts of a Complain Letter

Willingness to engage.

Start by showing you’re open to working together to solve the problem. This doesn’t just show you’re reasonable; it also suggests you’re looking for a win-win solution, not just airing grievances.

For example, you could write,

I am eager to discuss this further and find a solution that suits us both.

Appreciation

You might say –

Thank you for considering my concerns.

This simple gesture of appreciation acknowledges the effort it takes to address your complaint and helps maintain a positive relationship with the recipient.

For instance,

Sincerely, Ananya Singh.

Now, Let’s see how it looks like once I put all the parts together –

Dear Customer Service,

I’m writing to let you know I’m not happy with the portable speaker (Model X123) I bought from your store on February 20, 2024. It hasn’t worked right since I got it, which is really disappointing.

I am eager to work together to find a satisfactory solution to this issue and am open to any suggestions you might have. Your prompt attention to this matter would be greatly appreciated, and I am willing to provide any further information needed.

By incorporating these elements into the conclusion of your complaint letter, you effectively communicate your willingness to find a resolution, show gratitude for the recipient’s time, and maintain a professional demeanor. This approach leaves a good impression and increases the likelihood of a positive response.

What to do after sending the letter?

After you send off your complaint letter, giving the company time to get back to you is important. Think of it like planting a seed; you must wait before seeing it sprout. Usually, waiting a couple of weeks is a good rule of thumb. This shows you’re patient and understand that solving problems can take a little time.

If those few weeks pass and you haven’t heard back, it’s time to follow up . This doesn’t mean bombarding them with messages every day. Instead, send a polite email or phone call asking if they received your letter and how the issue is being addressed. Letting them know you’re still waiting and expect a resolution is a gentle nudge.

Remember, staying calm and collected throughout the process is the key here. Getting angry or impatient won’t help solve the problem any faster. By following these steps, you’re doing everything right on your end to get the issue resolved.

Tips to Make Your Letter Effective

1. Start With Clarity

Maintaining professionalism throughout your letter cannot be overstated. Regardless of your frustration or disappointment, keeping the tone respectful and professional is essential. A polite and measured approach is far more likely to elicit a constructive response from the recipient, fostering an atmosphere conducive to resolving the issue.

4. Explicitly State Your Expectation

Attaching supporting evidence to your complaint strengthens your case. This could include receipts, warranties, email correspondences, or photographs related to your complaint. Such evidence provides tangible proof of your claims, making it harder for the recipient to overlook or dismiss your concerns.

7. Retain Copies of Correspondence

Finally, be prepared to follow up if you do not receive a response within a reasonable timeframe. A polite reminder can sometimes be necessary to prompt action. Persistence and a respectful approach can be key to achieving your desired resolution.

Final Words

Writing a complaint letter doesn’t have to be a daunting task. By following these steps and keeping your communication clear, polite, and to the point, you increase your chances of resolving your issue satisfactorily. Remember, the goal is not just to complain but to seek a fair solution for both parties involved.

Related Posts

A guide to the proper business letter format with examples, how to use a semicolon in a sentence: a complete guide, how to write a personal letter in english: the ideal format, run-on sentences: how to spot and fix them, niaj a a khan, leave a comment, 📖 join our community - for free 📖.

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Here's A Sample Complaint Letter For When You Don't Know What To Say

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It’s hard to know where to start when writing a complaint letter. If our inbox is any indication, this difficulty manifests itself in free-form rants and confusion about what to say. It doesn’t have to be that way: simply stating the facts and explaining why the company should help you is enough. If you aren’t much of a wordsmith, Consumerist is here to help. Here’s an example letter, based on a recent successful complaint to a car manufacturer that crossed our desk recently. We’ve obscured the details, but the overall format of the letter remains the same. The summary. If you can’t sum your problem up in two or three sentences, have someone else read your e-mail and do it for you. As Consumerist’s tipline reader, I cannot emphasize enough the importance of getting your point across before the letter-reader’s eyes glaze over. In the first paragraph, put your problem and suggested resolution. Then get on with the details. 742 Evergreen Terrace Springfield, USA 23456 July 19, 2014 Hoverbike Corporation of America Attn: Customer Service P.O. Box 1578 Kabletown, WV 25414 Dear Hoverbike Corporation: I am writing to your company about a problem with my Hoverbike, a 2012 Skylark model. I began to have trouble staying aloft a few months ago, and this week the height control module completely failed. While the bicycle is a few months out of warranty, I believe that this occurred because of a design flaw in the Skylark, and I am asking that your company cover or share with me the cost of the required repair. Next are the details: who, what, where, when? Include addresses, store numbers, and serial numbers if applicable to your situation. Here you can add more details about your incident or problem and elaborate on what you recounted in the opening sentences if you need to. My parents purchased my Hoverbike (serial number 118532C423) for me on April 21, 2012 from our local authorized Hoverbike dealer, Krebs Cycles of Springfield. I have enjoyed riding my bicycle, but also taken good care of it, performing all recommended maintenance, keeping it meticulously clean, not hovering over bodies of water, and not riding recklessly. After researching this specific problem and talking to other Hoverbike owners, I have learned that this is a common issue with Hoverbikes manufactured before 2013. I believe that the failure of this module was not due to neglect or error on my part. I am asking that the Hoverbike Corporation cover in full or share with me the cost of this repair. I have enclosed a work order from my mechanic that details the repairs needed on my bicycle. This next section is optional, but often helpful: discuss how your problem goes against the product’s branding and marketing, and also your relationship with the brand. Of course, don’t feel the need to explain your relationship to the brand if you don’t really have a history of using their products or friends or family who do. Yet consider the product’s branding and marketing and how it relates to your situation: does the company tout its notebook computers’ portability while your own battery won’t charge, tethering you to your desk? Has a travel website that advertises itself as convenient and integrated caused serious problems with your travel plans? Mention any such contrasts if they apply. Hoverbike’s reputation and marketing emphasize your bicycles’ durability, reliability, and safety. Before this mechanical failure, I was very pleased with my Hoverbike, and in a few years I will need to upgrade to a larger one as I grow, but now I hesitate to choose one. My brother and sister also own Hoverbikes that are functioning perfectly, and they aren’t so sure that that they will stick with the brand after watching my experiences with the mechanical failure of my Hoverbike. If your marketing campaigns are any indication, I am your target customer, a young girl who is allowed to explore her town on her own and use her bicycle for travel and recreational rides. More importantly, I am eight years old and look forward to a future of eco-conscious commuting. I hope to have many decades of cycling ahead of me, and I want to continue riding Hoverbikes in the future. Please restore my faith in your brand, stand behind your product, and cover the cost of this repair. Thank you for taking the time to read this letter. Sincerely, Lisa Simpson 610-555-3223 [email protected] That’s it! It can also help in some cases to give the company a reasonable deadline to respond to you, and to outline any other acceptable resolutions. Telling the company what you want is an important starting point, even if what you want is only an apology. RELATED: Get Past Executive Customer Service Gatekeepers With Letter-Writing 101 8 Ways To Make Sure Your Complaint Letter Will Be Ignored 5 Sample Letters That Get Debt Collectors Out Of Your Face

Editor's Note: This article originally appeared on Consumerist.

10 common banking scams

Check-cashing scams, check-washing scams, phishing scams, automatic withdrawal scams, advance fee fraud, fake bank websites and apps, government imposter scams, charity scams.

• Identity theft

How to avoid bank account scams

• What to do if you've fallen victim to a banking scams

Don’t Fall for These 10 Sneaky Banking Scams

You know you shouldn't give your money to a Nigerian prince online. But did you know these other tactics scammers use to get your money?

David McMillin

David McMillin writes about credit cards, mortgages, banking, taxes and travel. Based in Chicago, he writes with one objective in mind: Help readers figure out how to save more and stress less. He is also a musician, which means he has spent a lot of time worrying about money. He applies the lessons he's learned from that financial balancing act to offer practical advice for personal spending decisions.

Kelly Ernst

Kelly is an editor for CNET Money focusing on banking. She has over 10 years of experience in personal finance and previously wrote for CBS MoneyWatch covering banking, investing, insurance and home equity products. She is passionate about arming consumers with the tools they need to take control of their financial lives. In her free time, she enjoys binging podcasts, scouring thrift stores for unique home décor and spoiling the heck out of her dogs.

CNET staff -- not advertisers, partners or business interests -- determine how we review the products and services we cover. If you buy through our links, we may get paid.

Consumers lost $10 billion to fraud in 2023, according to the latest data from the Federal Trade Commission . And if you think it can’t happen to you, you’re only making yourself more susceptible to scammers.

Banking scams can be tricky to spot, particularly with the rise of online banking. But you can arm yourself with a little knowledge and some precautions. Read on to learn how to spot common bank scams and protect your money.

You can stay one step ahead of fraudsters by knowing the schemes they like to employ.

You receive a check with a request to deposit it and return a portion of the money to the sender. The check may clear, but by the time your bank realizes it’s fake, you’ve already sent real money from your bank account to the scammer. If a potential “employer,” secret shopping company or other source asks you to send money from a check they’ve given you, rip up the check and ignore the request.

Criminals can steal envelopes containing checks from the mail, use chemicals to wash the check and change the payee or dollar amount. To protect yourself from this scam, use checks with security features, never leave check fields blank, don’t let mail sit in your mailbox and write checks with black gel ink -- it’s harder to wash off.

In a phishing scam , you receive a text or email from a source that looks real -- such as your bank or utility company -- asking you to update your information. If you share your details, criminals can take over your account. Never click a link on an unsolicited message. Call your bank’s official customer service line to verify the request.

You receive a surprise message or phone call saying you’ve won a prize. All you need to do is provide your bank account and routing number to receive the money. Once they have this, the scammer can initiate a recurring automatic withdrawal, costing you a lot more than the disappointment of realizing there’s no prize.

You’ve likely heard it before, but it bears repeating: If something sounds too good to be true, it probably is.

This scam asks you to pay a fee upfront, promising you’ll get money or services in exchange. In some cases, these scams are easy to spot -- think, the classic “Nigerian prince” scheme -- but others are more sophisticated.

For example, if you’re struggling with debt, you might be tempted by a company offering to help you get back on track for a fee. Don’t let scammers prey on your distress. There are plenty of legitimate ways to get out of credit card debt , including contacting reputable not-for-profit debt counseling services .

Scammers can easily set up a fake website or app that looks like a real bank’s to trick you into providing personal information or sending money. Before you click any links, verify that the URL is actually your bank’s or credit union’s. The FDIC’s BankFind is an easy way to check. When installing a mobile banking app on your phone or tablet, make sure you’re downloading it directly from the Apple Store or Google Play Store.

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A government agency like the IRS and the Social Security Administration typically only contacts you via physical mail. If you get a phone call or text message from someone claiming to be a government official, don’t respond or give them any information -- even if the communication looks real at first. Scammers can easily spoof legitimate phone numbers.

Legitimate job postings won’t request your banking information or ask you to pay for products and services to get started. Before you apply for a job, look up the company’s name with the Better Business Bureau to make sure you’re not about to fall into a trap .

Scammers want to take advantage of your kindness, especially when a disaster like an earthquake or hurricane strikes. Instead of responding to an unsolicited request for donations, do your own research to find a legitimate local organization and ensure your money will actually go to the cause.

If you’re not sure how to donate to a cause you care about, contact a nationally recognized operation such as the Red Cross or Feeding America.

Identify theft

Identity theft comes in many forms, from scammers going on a spending spree with your debit card information to using your Social Security number to open a bank account in your name. The best way to protect yourself from identity theft is to regularly review your credit report and account statements and contact the bank immediately if you see anything suspicious. You can also sign up for an identity theft protection service for added peace of mind.

While bank scams can be sneaky, there are some simple steps you can take to steer clear of them. 

• Know the red flags. Be wary of unsolicited communications, requests that create a false sense of urgency and offers that appear too good to be true. If it seems suspicious, it probably is.
• Don’t give out your personal information. Keep your private information private, from your account numbers to your login credentials. That includes shredding any documents containing sensitive information before disposing of them.
• Create strong passwords. Use a combination of letters, numbers and special characters to create unique passwords. Avoid identifying information like your house number or birthday. And don’t use the same password for multiple sites or apps. A password manager can help you keep track of your logins across platforms.
• Enable multi-factor authentication. A scammer might be able to crack your password, but replicating your thumbprint or face is a lot harder. Multi-factor authentication requires these biometrics to access your bank account.
• Avoid public Wi-Fi networks. Don’t do your online or mobile banking on an unprotected Wi-Fi network -- stick to your secure home network.
• Monitor your bank statements and credit report. Review your account transaction history regularly and pull your credit report throughout the year to spot any suspicious activity.
• Pull your ChexSystems reports. If you’re worried someone may have opened a bank account in your name, get a copy of your ChexSystems disclosure report and consumer score report to look for any negative marks against your name.
• Use an identity theft protection service. You’ll need to pay for the best identity theft protection and monitoring services , but it can be well worth it if you can sleep better at night.

What to do if you’ve fallen victim to a banking scam

If you believe you’re a victim of bank fraud, follow these tips to limit the damage.

• Contact your bank. Immediately contact your bank or credit union to minimize your losses. In most cases, an immediate report will help you lower your potential liability. Don’t stop with one account, though. Take a full inventory of your other financial products, including your credit cards, to ensure these accounts aren’t at risk too.
• File a complaint. Contact the FTC to log a complaint and receive a recovery plan.
• File a police report. While the local police won’t be able to do much if a scammer thousands of miles away has your account number, a police report can prove that fraud occurred and you tried to stop it. For example, if someone uses your personal or financial information to launder money, a report can help demonstrate that you weren’t involved.
• Change your passwords. Update your passwords across all your financial accounts and consider changing them for other services, such as email and social media.
• Set up fraud and security alerts. In addition to keeping a closer eye on your credit report, consider setting up fraud alerts with all three credit bureaus -- Equifax , Experian and TransUnion -- as additional safeguards. It’s also wise to set up a security alert with ChexSystems , which will automatically notify you of any attempts to open new accounts in your name.

Keep scammers out of your bank accounts

As long as you have money, there’s a criminal who would love to figure out a way to steal it. Thankfully, there are plenty of ways to thwart their attempts. By taking some precautions and exercising some healthy skepticism, you can keep your hard-earned money safe and out of scammers’ hands.

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CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

Writers and editors and produce editorial content with the objective to provide accurate and unbiased information. A separate team is responsible for placing paid links and advertisements, creating a firewall between our affiliate partners and our editorial team. Our editorial team does not receive direct compensation from advertisers.

CNET Money is an advertising-supported publisher and comparison service. We’re compensated in exchange for placement of sponsored products and services, or when you click on certain links posted on our site. Therefore, this compensation may impact where and in what order affiliate links appear within advertising units. While we strive to provide a wide range of products and services, CNET Money does not include information about every financial or credit product or service.

Writing a Letter of Complaint to Your Bank

Over recent years, we have all become more aware of people writing letters to their bank complaining of unfair bank charges which have been levied against them and, having read some useful tips, many people have been successful in getting charges refunded as a result of their complaint.

There is another article on this website which is specifically aimed at writing a letter of complaint to have charges refunded. However, there are many other reasons why you may have complaints about your bank and here are some useful tips in what you should be looking out for if you decide to write a letter of complaint to your bank.

Reasons Why You May Write a Letter of Complaint to Your Bank

Tips on how to write the letter.

Your letter should be written in a calm and polite tone. Nevertheless, it should be firm. You should be specific in terms of what you’re complaining about and what you are seeking as compensation or as some other form of acceptable resolution.

Make sure you include any relevant dates and any reference numbers pertaining to your particular complaints and, where possible, make sure you send it to a relevant named person if you’re able to obtain that information, as opposed to just the ‘customer service department’.

Also include a timescale in your letter by which you want the bank to acknowledge your correspondence although be reasonable with this as banks will often have many complaints to deal with.

Example of a Letter of Complaint to a Bank

At this stage, you shouldn’t let your complaining be threatening in any way. At least allow the bank to acknowledge that they have received your letter and to address how they intend to deal with your complaint. It’s only if you get no joy that you should then send a second letter emphasising your rights under the terms and conditions of your agreement that you could also add into that second letter that if you weren’t to receive the resolution you are seeking, that you would be looking to take matters further with the Financial Ombudsman, for example.

In other words, ‘save your powder’ for later and at least give the bank the opportunity to put matters right itself without you having to resort to the threat of taking further action. You can always do that later, if need be.

Rudy Ferguson accuses Leon Dem Party chair Ryan Ray of taking sides in commission race

Rudy Ferguson, a candidate for Tallahassee City Commission, filed a complaint with the Florida Democratic Party accusing Ryan Ray, chairman of the Leon County Democratic Executive Committee, of taking sides against him in the commission race.

Ferguson , a pastor, is challenging City Commissioner Jack Porter in a three-person race for Seat 1. Ray, a longtime Porter friend and adviser who also serves as aide to City Commissioner Jeremy Matlow, was elected in late 2022 as chair of the DEC . He denied Ferguson’s allegation.

While the race is a non-partisan one, both Ferguson and Porter are registered Democrats.

On Wednesday, Ferguson emailed a 13-page complaint on campaign letterhead to Florida Democratic Party Chair Nikki Fried and several others, including state Reps. Allison Tant and Gallop Franklin, D-Tallahassee.

“My purpose in writing is to express deep concerns regarding discriminatory practices targeting our campaign by local Democratic Party officials in Tallahassee,” Ferguson said. “We have noted specific public statements, consulting activities and financial contributions that raise questions about the fairness and impartiality of the Leon County Democratic Party's conduct.”

Ray told the Tallahassee Democrat that he called Ferguson Wednesday to discuss his concerns but that he didn’t get a response.

“That’s in keeping with his pattern of never attending Democratic Party meetings or participating meaningfully in the party in any way,” Ray said in a text, adding, “His behavior is deeply uncivil and only redounds to the benefit of Donald Trump and his local enablers.”

The complaint was another sign of a big divide among local Democrats that roughly mirrors the same one on the City Commission, with more progressive, anti-establishment forces on one side and more moderate, pro-status quo forces on the other.

The state party has received the complaint letter and is awaiting a formal appeal from Ferguson. Matt Dailey, a spokesman for the Florida Democratic Party, said Thursday that no formal appeal had yet been received. Party rules require a Judicial Council investigation of any appeal of disputes between party members.

In addition to specifying how a local party executive committee can make a formal endorsement in a race, the Florida Democratic Party's 2022 bylaws include "anti-discrimination policies" that say parties must enforce "a provision prohibiting endorsement in primary elections." The bylaws define an endorsement as "endorsing, certifying, screening, or recommending, in any manner, candidates in primary elections."

In the letter, Ferguson complained he faced fallout after sending out a campaign email saying he didn’t agree with a comment on X/Twitter, retweeted by the local Democratic Party, that said “the U.S. is a fascist police state.” After the email went out, Ray texted Ferguson asking whether he or someone else had written it.

“I would ask you to leave the Democratic Party if you’re going to criticize us,” Ray wrote. “If someone else wrote it, I would caution you not to allow others to use your campaign as a tool to attack the Democratic Party.”

Ray, whose father is a retired Hillsborough County sheriff’s deputy, also told Ferguson he took “great personal offense at your campaign’s insinuation that I am anti-law enforcement. My father is a hero to me.”

The complaint included a tweet by Porter showing her and Ray calling voters together to encourage them to request mail ballots and other X posts by Ray in support of Porter. Ferguson also complained that the local party “manipulated” voter data, making it harder for other campaigns to use it.

City Commissioner Curtis Richardson, part of the 3-2 voting majority on the commission, along with Mayor John Dailey and Commissioner Dianne Williams-Cox, was asked about Ferguson’s allegations Thursday during a candidate forum sponsored by the Democrat, WFSU and the League of Women Voters.

“It’s absolutely wrong for the Democratic Party chair to choose sides in Democratic races,” said Richardson, who voted against Ray in the DEC election.

Ray said he had no conflict of interest in his role as DEC chair and aide to Matlow, who vocally supports Porter as well as Richardson’s chief opponent, Dot Inman-Johnson.

“I take pride in balancing my obligations and responsibilities fairly and effectively,” Ray said.

Contact Jeff Burlew at [email protected] or 850-599-2180.