Filing complaints against your credit card issuer

Tuesday, September 13th, 2011
Updated: September 13th, 2011
The content is accurate at the time of publication and is subject to change.

One of the hardest things to do is to file a complaint against a card issuer. It is not the process that is time consuming, but the lack of information that makes people frustrated. If you are wary about certain practices adopted by your credit card issuer, the first thing would be to call and speak to the customer representative and voice your displeasure. Unfortunately though, more often than not, your opinions fall on deaf ears. If you have not made any progress despite voicing your displeasure, here is what you can do.

Thanks to the Consumer Financial Protection Bureau, it is now possible to get yourself heard and resolve your issue. Starting July 21st this year, this bureau has become the one place where consumers can look forward to resolving various complaints related to their card lenders.

The bureau will help you resolve various types of problems including credit card fees, billing concerns, interest rate, collection problems, redeeming rewards and many more. On lodging a complaint, consumers will be given a tracking number that can be used to check on the status of the complaint. As a first step, the bureau will recommend customers to talk to their issuers. However, if this does not yield fruitful results, the bureau will take up the complaint and conduct an investigation. Based on the outcome of the investigation, the bureau will either initiate legal actions or do the needful to resolve the concern.

This has brought about a certain amount of relief to consumers because in the past there was no single regulatory body to look into these concerns and address them.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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