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Consumer Financial Protection Bureau fraud reporting routes

Consumer financial complaints after contacting company.

Last checkedAug 5, 2026Official website

This independent directory is not affiliated with Consumer Financial Protection Bureau. Contacts below are sourced only from verified official pages.

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Exact verified routeChecked 2026-08-05

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CFPB complaint

https://www.consumerfinance.gov/complaint/

Use after reaching out to company when applicable; include key facts, dates, amounts, communications, documents, company/contact info.

Open official route

Source: CFPB - Submit a Complaint

Before you report

Prepare the response, not just the phone call

Have this information readyFacts and identifiers the institution or agency may request7

Key facts of what happened
Collect concise facts; avoid unsupported legal conclusions.
Required/recommended by CFPB
Important dates and dollar amounts
Collect from ledger and timeline.
Required/recommended by CFPB
Communications with the company
Collect call logs, secure messages, emails, letters, case numbers.
Required/recommended by CFPB
Supporting documents
Collect account statements, letters, screenshots, receipts; redact where appropriate.
Required/recommended by CFPB
Your contact information
Prepare complete and accurate information before opening the official complaint form.
Requested by official process
The institution involved
Prepare complete and accurate information before opening the official complaint form.
Requested by official process
The affected account or service
Prepare complete and accurate information before opening the official complaint form.
Requested by official process

Preserve this evidence nowKeep original records before they are deleted, replaced, or changed7

Account statements
Preserve statements showing disputed transactions or account activity.
Copy acceptable
Company communications
Preserve emails, letters, secure messages, chat transcripts, and call notes.
Copy acceptable
IC3 complaint copy
Save or print before closing the confirmation page; source says this is the only opportunity.
Export/copy
Copies of relevant supporting documents
Submit copies when requested and retain the originals in the evidence archive.
Submit copies; retain originals
Documents retained for regulator follow-up
Do not attach documents to the initial complaint when the form instructs otherwise; keep organized copies because the regulator may request them later.
Keep original and copy
Complaint submission, credit-union response, and written request for further review
Preserve each submission, response, attachment, and proof of delivery because escalation depends on the written record.
Keep original and copy
TCR submission number and printable complaint copy
Save the submission number and printable copy immediately after filing.
Keep original and copy

Time-sensitive notesOfficially published windows or availability conditions2

CFPB complaint duplication

Generally cannot submit a second complaint; include everything initially

Use FraudPrep packet checklist before submission.

CFPB company response timing

Company generally responds in 15 days; final/in-progress response within 60 days

Track response dates and follow-up windows.

Other official reporting routesAgencies that may apply depending on the facts11

FBI IC3

Internet crime, cyber-enabled fraud, online scam, business email compromise, crypto-related fraud, or time-sensitive cyber incident.

Does not accept evidence attachments; user must preserve originals.

FTC ReportFraud

Fraud, scam, bad business practice, payment scam, or consumer fraud routing.

No guarantee of individual recovery; route and report preserve record.

CFPB

Consumer financial product/service complaint after contacting company when applicable.

Submit supporting documents; generally include everything because second complaint may not be possible.

USAGov Scam Wizard

User does not know which agency to report to.

External router; not evidence storage.

U.S. Postal Inspection Service

Mail fraud, mail theft, USPS smishing/phishing, identity theft via mail, mail-related scam.

For mail fraud form, mail copies and keep originals.

Local law enforcement / 911

Immediate danger or time-sensitive matter requiring immediate intervention.

Preserve report number and officer/contact details.

FDIC Consumer Response Center

Complaint or assistance involving an FDIC-supervised financial institution.

Submit copies when requested and retain originals.

Federal Reserve Consumer Help

Determine the correct bank regulator or complain about a Federal Reserve-supervised institution.

Retain documents for follow-up; do not place account numbers or SSNs in the free-text narrative.

NCUA Consumer Assistance Center

Complaint or assistance involving a federally insured credit union.

Preserve complaint confirmation, credit-union response, attachments, and proof of written escalation.

IdentityTheft.gov

Identity theft or misuse of personal information requiring an FTC Identity Theft Report and recovery plan.

Download or print the Identity Theft Report and recovery plan immediately; retain copies.

SEC Investor Complaint and Tips

Possible securities-law violation or problem with an investment account or financial professional.

Save the TCR submission number and printable complaint copy; retain all supporting records.

Official sources and verificationEvery public route links back to an independently checked official source1

CFPB - Submit a ComplaintAccepted products, steps before complaint, required info, response process · Verified in browser

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