Start here
The free tool below runs entirely in this browser — no account, nothing stored or transmitted. Redact anything you would not want kept before you type it.
Open the companion tool →Why this route has teeth where a support ticket does not
Companies route regulatory complaints to staff who can actually resolve them, and they must answer in writing. Vague complaints get vague answers; specific ones do not.
You do not need a lawyer, and filing is free; it is also a data point that regulators use when deciding where to look.
The protocol
- Collect the account details, dates, amounts, and every previous support reference.
- Write what happened in order, with the company's own words quoted where possible.
- State the specific resolution you want: a reversal, a correction, an explanation, or a letter.
- Attach the documents and file the complaint online.
- Record the reference number and the company's response, and follow up if the deadline passes.
What the tool does
Build a CFPB complaint record It runs locally in this browser and sends nothing.
Limit first: This is a document-preparation aid, not legal advice. It cannot guarantee an outcome, and it does not know what a court, agency or company will decide.
Open the companion tool →Cost and free path
Cost: Free: one complete run in this browser, no account. Optional $4 one-time unlock allows unlimited runs of this tool on this browser. The free path and safety guidance never require payment.
Free path, in order (no cost):
- CFPB — consumerfinance.gov/complaint (free, online, forces a written response)
- Your state attorney general's consumer division
- LawHelp.org for free legal aid if the amount is large or the deadline is close
What this cannot do: It cannot guarantee an outcome, and it does not know what a court, agency or company will decide.
Sources checked 2026-10-03 · source bank reviewed against the live pages listed in metadata.
One human next step
File at consumerfinance.gov/complaint and keep the reference; if the response does not resolve it, escalate to your state attorney general's office with the CFPB record attached.
Research log and safety checks
AI-assist path: not used for a verdict. This builder organises the reader's own documents and names an independent source; it does not infer authenticity, eligibility, or legal rights. §6.9/§6.10/§6.11 disclosed in the batch report; §6.12 status line carried in metadata as `status_line`.
§0.5 protection result: category is rights-recourse; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.