The Society of Consumer Affairs Professionals International, Alexandria, Va., a global organization of customer care professionals, suggests you try the following steps before requesting help from an outside agency:
If the company has a complaint department, direct your contact there.
Clearly state your complaint and the expected outcome, and include copies of all related documents.
Another option that connects you directly to the companies you have a complaint with is PlanetFeedback.com. PlanetFeedback, a division of Intelliquest Inc., allows consumers to fill out complaint letters that are then sent directly to the company the complaint is about--for free. Registration on the site is not required, but does include additional benefits such as tracking letters, managing responses, and rating your satisfaction level. Registration is also free.
Most companies are willing to do whatever they can to make their clients happy--within reason. But if following the above steps doesn't resolve the problem, you should turn to an outside agency. There are different agencies for different complaints, so make sure you contact the right one. And please note that this information is by no means comprehensive--contact information gets more specific the more intricate your complaint is--but these are the places to start the complaint process.
The Better Business Bureau (BBB) is the best place to start with a complaint about a company, charity, or car manufacturer. After you name the company you would like to file a complaint against, it will refer you to the local BBB that will handle your complaint. The local BBB will then take your complaint to the business and report its side to you.
If your problem can't be resolved during this process, the BBB does offer mediation and arbitration services.
If you need more help than the BBB can provide, contact your state or local consumer protection agency. It can conduct investigations and prosecute offenders.
Defective products should be reported to the Consumer Product Safety Commission (CPSC). The CPSC maintains a list of recalls from May 1973 to the present.
The Fair Credit Billing Act gives victims of credit card fraud, theft, or billing errors 60 days from receipt of an incorrect bill to send a certified letter (request a return receipt) to their creditor's "billing inquiries" address. The creditor then has 90 days to resolve the problem (it has only 30 days to let you know your complaint was received). If the creditor does not do this, you can sue or take your complaint to the Federal Trade Commission (FTC).
The rules are different for debit cards, so check those guidelines. A good resource is the Kiplinger.com article, "Debit or Credit: Which Card Is Safer?"
A credit billing error can have a long-lasting effect if it ends up on your credit report. Notify the three major credit bureaus (Experian, Equifax, and TransUnion) about any error on your credit report.
If you have a complaint against a registered investment adviser who manages less than $25 million in assets, contact the state securities regulator
If the adviser manages more than $25 million in assets, contact the Securities and Exchange Commission (SEC) with your complaint. If the adviser also is a broker-dealer, you should contact the National Association of Securities Dealers (NASD) to file a complaint. But if you want repayment, you probably will need arbitration because the SEC and the NASD cannot force repayment. You may want to touch base with a securities lawyer early in the process. The Public Investors Arbitration Bar Association can help you locate one in your area. Not only can securities lawyers assist you with arbitration (if it comes to that), but it helps to have a professional review any complaint letters, and most securities attorneys offer free initial consultations. For more information, see the Home & Family Finance Resource Center article "Avenging Your Broker's Blunders."
Insurance
Each state creates and enforces its own life, health, home, and auto insurance laws. Contact your state insurance regulator with any complaints about an insurer.
Doctors. Direct any complaint about a medical professional to your state licensing board. If necessary, it can take legal action to revoke a medical license.
Lawyers. Complaints about a lawyer should be directed to your state or local bar association. It can issue warnings to and fine or disbar anyone who is found to have violated a law or ethical code. Note, however, that state and local bar associations cannot recover lost money.
Many states have a fund designed to reimburse some of the money lost to a dishonest lawyer, but you'll probably need to hire another lawyer and sue if you want to get all your money back.
Realtors. Take any complaint about a real-estate agent to your local real-estate board. It will listen to both sides of the story and, if necessary, take action against the agent.
If you think your real-estate agent is breaking any laws, you also should contact your state's real-estate regulatory agency.
Contractors. Because state and local authorities license most contractors, architects, plumbers, and electricians, you can appeal to your state's licensing organization.
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