Need to file a regulatory complaint? Draft the one agencies actually read.
A formal complaint to the agency that oversees the company, dated and documented. Preview it free before you pay.
- To the Consumer Financial Protection Bureau:
- Re: Complaint against First National Bank
- Product: Checking account ending 8821
- Issue: Unauthorized debit card transaction not
- corrected
- On March 15, 2026, a debit card transaction of $412.00
- to "NORTHSTAR ONLINE" posted to my checking account. I
- did not make or authorize it, and my card was in my
- possession.
- I reported it to the bank on March 17 and March 25,
- 2026 (references 2026-03-17-4421 and 2026-03-25-8833).
- On March 25 I was told the claim was closed and the
- charge would stand...
Full complaint includes: the agency, the company and account, what happened in date order, every attempt to resolve it, the resolution you want, and a request that the agency forward it for a response.
What's actually happening.
A bank, telco, airline, or other regulated company wronged you. The company won't budge. You've called customer service three times.
The right move is filing a regulatory complaint with the agency that licenses them: CFPB, FCC, DOT, state AG, state banking commissioner. Most people don't know which agency to file with or how to write the complaint.
Regulatory complaints create a paper trail that companies take seriously.
How it works.
Upload the notice, answer a few questions
A photo, a PDF, or the pasted text of what they sent you. Then the minimum we need: your name, what happened, any context.
Preview the draft, free
A watermarked preview is on screen: the opening, the statutes it cites and the letter's structure. No account needed.
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$19.99 for the clean PDF and Word file. Print it yourself, or have us mail it for you.
Pricing.
One letter, one price. Preview it free; pay only if you would send it.
The full letter as PDF and Word. You print it, sign it, and send it.
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Certified with tracking, plus the signed return receipt mailed back to you. Added after you unlock.
Mailing prices and options on the mail page. Full price list on pricing.
Where your complaint goes.
Each complaint is addressed to the one agency that oversees the company, chosen from the company type you give us.
CFPB Banks, credit unions, card companies, lenders, mortgage and student loan servicers, payment apps, and debt collectors.
FCC Phone, wireless, internet, cable and satellite providers.
DOT Airlines, through the Office of Aviation Consumer Protection.
Your state Insurance companies go to the state insurance department, utilities to the state utility commission, and other businesses to the attorney general's consumer protection division.
Who this isn't for.
We are honest about our limits. FightThis may not be right if:
- You want to sue the company. Regulatory complaints and litigation are different tracks. Our letter doesn't preclude a lawsuit but isn't legal representation.
- The issue involves a government agency (not a private company). Those require a different complaint path.
- You want the agency to act as your lawyer. Agencies forward complaints and ask the company to respond; they do not represent you or decide the dispute.
If your situation is high-stakes, please find a local attorney. Many state bars have free or low-cost referral services.
Common questions.
Which agency should I file with?
We choose it from the type of company. Banks, credit unions, card companies, lenders and debt collectors: the CFPB. Phone, internet and cable: the FCC. Airlines: the DOT. Insurance: your state insurance department. Utilities: your state utility commission. Any other business: your state attorney general.
Does a regulatory complaint actually do anything?
Often, yes. Agencies typically forward the complaint to the company and ask it to respond, which puts the company's answer on the record. We cannot promise an outcome.
Can I file with more than one agency?
You can, but each letter is addressed to one agency: the one that oversees the company. A complaint to a second agency is a second letter.
What should I expect?
The CFPB says most companies respond to complaints within 15 days, and some give a final response within 60. Other agencies set their own timelines.
Will this affect my relationship with the company?
Possibly. Regulatory complaints are taken seriously and sometimes escalate your case to executive customer service teams. This is usually helpful, not harmful.
What if the company treats me differently after I complain?
Tell the same agency in a follow-up complaint, with dates. Whether it is unlawful depends on the company and what it did.
We mail it for you
Most agencies also take complaints online, and you can paste this letter into their form. If you would rather mail it, we send it certified, so you have proof of when it arrived.
Recommended: Certified Mail, $19.99. See all mailing options.
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