Bank, airline, telco, or insurer wronged you?
The right complaint to the right agency creates pressure most companies fold to. We write it; you (or we) file it.
Drafting tool. Not legal advice.
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.
What we draft.
To: Consumer Financial Protection Bureau (CFPB) Complaint against: First National Bank (FDIC # 00024) Account: Checking xxxxxxxx8821 On March 15, 2026, First National Bank charged an overdraft fee of $35 on a transaction of $12.47, despite my account having been enrolled in overdraft protection. This fee was assessed in violation of Regulation E (12 CFR 205) and the bank's own disclosed overdraft policy. I have contacted customer service on March 18 and March 25, 2026 (reference numbers 2026-03-18-4421 and 2026-03-25-8833) without resolution. I am requesting reversal of the $35 fee and confirmation of correct overdraft policy enrollment...
Full complaint includes: agency identification, company details, chronology of events, regulatory violations cited, documentation list, and specific relief requested.
How it works.
Upload or paste
Take a photo, upload a PDF, or paste the text of the letter you received. Our AI reads it.
Answer a few questions
We ask the minimum we need — your name, what happened, any context. Takes two minutes.
Preview the draft
See your complete letter before paying anything. Watermarked, but fully readable.
Unlock and send
$29–79 to unlock the clean version. Print it yourself or add mailing for $20–50 more.
Pricing.
One-time generation. We identify the right agency — you don't have to.
We identify the right agency and draft the complaint. You file online or by mail.
We file the complaint on your behalf via the agency's online portal where available.
We file and send a follow-up demand letter to the company directly.
Preview is always free. Pay only if you like what you see.
Laws we cite.
We ground every letter in real statutes and regulations. Here's what applies to your situation:
12 CFR 1080 CFPB — Consumer Financial Protection Bureau complaints for banks, credit unions, lenders, debt collectors, and financial products.
47 CFR (FCC) FCC complaints for internet service providers, cable companies, wireless carriers, and telephone companies.
14 CFR 259 DOT — Department of Transportation complaints for airlines, flight delays, cancellations, and baggage.
State AG / banking commissioner State-specific complaints for businesses regulated at the state level. We identify the correct office for your state and company type.
Who this isn't for.
We're 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.
- The company is not a regulated industry — complaints work best for licensed and regulated entities.
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 identify this for you based on the type of company. Banks → CFPB or OCC. Airlines → DOT. Cable/internet/wireless → FCC. Insurance → state insurance commissioner. Credit cards → CFPB. We ask which company wronged you and we figure out the right agency.
Does a regulatory complaint actually do anything?
Yes — more than most people expect. CFPB complaints have an 80%+ company response rate, and companies often resolve the issue to avoid regulatory attention. Airlines respond to DOT complaints at high rates. State AG complaints often prompt direct outreach.
Can I file with multiple agencies?
Yes. We can draft simultaneous complaints to the federal regulator and the state AG. Parallel filings increase pressure.
What should I expect?
After you file, the agency typically forwards your complaint to the company and requires a response within 15–60 days. Many complaints are resolved at this stage.
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 retaliates?
Retaliation for filing a regulatory complaint is illegal. If it happens, contact the same agency and note the retaliation in a follow-up complaint.
Ready to fight back?
Free preview. You only pay if you like what you see.
Draft my letter — free preview →Drafting tool. Not legal advice. Read our disclaimer.