File Complaint Against Lenders In Your State
Here at Personal Money Network we rely on feedback from customers, visitors and the general public to ensure our business is providing what people want and need. If you have any complaints about any payday loans site please explain in the box below.
We have done our best to put together complaint resources from each state. You can find the states below in alphabetical order. If you would like to file your complaint with us please put your information in at the bottom of the page. If you would like to file a formal complaint in your state just scroll down until you find your state. If we are missing info please let us know.
You can obtain sample complaint form letters from the consumeraction.gov site. To register on the National DoNotCall.gov site go here. Additionally you may be very interested in knowing more about loans and how they work. Click here to get our free e-book guide on consumer lending. If you are a researcher you can see out payday loan industry statistics report here.
In the state of Alabama you may file a complaint with the Alabama Banking Department by downloading the complaint form here and mailing it in to the address listed below: Regulator: Alabama Banking Department Address: P.O. Box 4600 Montgomery AL 36103 Phone: (334) 242-3452 Fax: (334) 353-5961 Regulatory Contact: Arlene Baldwin, Consumer Services Specialist, Bureau of Loans
In the state of Alaska you may file a complaint with the Alaska Division of Banking and Securities by downloading the complaint form listed under “State Chartered Financial Institutions” here and mailing it in to the address listed below Alaska Division of Banking and Securities Address: P.O. Box 110807 Juneau AK 99811 Phone: (888) 925-2521 Fax: (907) 465-2549 Regulatory Contact: Patrice Walsh,, Financial Institution Examiner
In the state of Arizona you may file a complaint with the Arizona Department of Financial Institutions by downloading the complaint form here and mailing it in to the address listed below Arizona Department of Financial Institutions Address: Financial Enterprises Division, 2910 N. 44th Street, Suite 310 Phoenix AZ 85018 Phone: (800) 544-0708 Fax: (602) 381-1225 Regulatory Contact: Robert Charlton,, Assistant Superintendent of Banks
In the state of Arkansas you may file a complaint with the Arkansas State Board of Collection Agencies by downloading the complaint form here and mailing it in to the address listed below: Arkansas State Board of Collection Agencies Address: Division of Check-Cashing Companies, 523 Louisiana Street, Suite 460 Little Rock AR 72201 Phone: (501) 371-1434 Fax: (501) 371-1440 Regulatory Contact: Peggy Matson,, Executive Director
In the state of California you may file a complaint with the California Department of Corporations by downloading the complaint form here and mailing it in to the address listed below California Department of Corporations Address: Financial Services Division, 1515 K Street, Suite 200 Sacramento CA 95814 Phone: (866) 275-2677
In the state of Colorado you may file a complaint with the Colorado Office of the Attorney General by filling out the complaint form here and mailing it in to the address listed below Colorado Office of the Attorney General Address: Uniform Consumer Credit Code, 1525 Sherman St., 5th Fl. Denver CO 80203 Phone: (303) 866-4494 Fax: (303) 866-5691 Regulatory Contact: Laura Udis,, Administrator
In the state of Connecticut payday loans are illegal, however if you have obtained a payday loan you may file a complaint with the Connecticut Department of Banking by downloading the complaint form here and mailing it in to the address listed below Connecticut Department of Banking Address: 260 Constitution Plaza Hartford CT 06103 Phone: (860) 240-8299 Fax: (860) 240-8167 Regulatory Contact: Alan Cicchetti Deputy Commissioner
If you need to file a complaint against a payday lender in the state of Delaware, you do not have the option of going to a site online and making your complaint; you have to make a phone call then write up the complaint and either mail or fax. The Office of the State Bank Commissioner, “licenses and regulates several different types of financial businesses including consumer lenders,” so they are the ones to contact. The Office of the State Bank Commissioner’s website says “if you have a problem with a company that might fall into one of these categories, call us. We will be glad to discuss the problem and determine if we can be of assistance.”
How do you actually file the complaint?
First, call and talk to one of the representatives at (302) 739-4235. They will decide if you have a claim and if they have the jurisdiction over the possible claim. If the representative feels that you have a claim, they will ask you to put the claim in writing and bring it in, mail it or fax it to (302) 729-2356. They want you to be aware that they do not have a, “secure web site for account specific information.”
A United States resident of any state can submit a complaint about a business in the U.S. to the Federal Trade Commission. Go to https://www.ftccomplaintassistant.gov/, click on “complaint assistant,” and it will walk you through how to submit your complaint.
If you need to file a complaint against a payday lender in the state of Florida, you have options. You can either contact the local agency in your county, or the Office of the Attorney General of Florida.
The Florida State Office of the Attorney General
TheOffice of the Attorney General of Florida focuses on economic crimes, including fraud, deception and unfair trade practices. You can find a consumer complaint form that you can fill out online at: http://myfloridalegal.com/pages.nsf/Main/60FD9BD8FA71A5B185256CD1005EE5C5. Or you can call them at: Phone: 1-866-966-7226 (toll-free inside Florida) 850-414-3600 (in Florida) 850-414-3990 (outside Florida) Or you can print out a PDF at the above link, complete it and mail the complaint to them at: Office of the Attorney General PL-01 The Capitol Tallahassee, Florida 32399-1050
You cannot file local claims online or by mail. You have to call them and they will give you further instructions. Below are the phone numbers of the local agencies for consumer or citizen protection or services: Broward County, Consumer Protection Division http://www.broward.org/consumer/welcome.htm Phone: (954) 765-4400, Press 8 Hillsborough County, Consumer Protection and Professional Responsibility Agency http://www.hillsboroughcounty.org/consumerprotection/ Phone: (813) 903-3430 Manatee County, Citizens Action Center http://www.mymanatee.org/internet/county_administration_site.nsf/ContentLookup/Citizen Action Phone: (941) 742-5800 Miami-Dade County, Consumer Services Department http://www.miamidade.gov/csd/ Phone: (305) 375-3677 Palm Beach County, Consumer Affairs Division http://www.co.palm-beach.fl.us/publicsafety/consumeraffairs/ Phone: West Palm Beach Area: (561) 712-6600 Boca/ Delray/Glades: Toll Free 1-888-852-7362
According to the CFA (See: http://paydayloaninfo.org/cfahome.asp), “[I]n Georgia, payday lending is explicitly prohibited and a violation of racketeering laws.” The Georgia Governor’s Office website (See: http://consumer.georgia.gov/00/article/0,2086,5426814_39039081_39271654,00.html/) says that if you have a complaint against a payday lender in the state of Georgia, first contact your county district attorney’s office. You can find your county’s district attorney’s office by going to the Prosecuting Attorney’s Council of Georgia’s website. Second, notify the Office of the Commissioner or Insurance Office of the Commissioner of Insurance, Industrial Loan Division (404-656-2078). At the Office of the Commissioner of Insurance, you will find a complaint form and a wizard to help you complete the form. You either mail or fax the completed form. Mail and fax info: Georgia Insurance Commissioner’s Office Consumer services Division 2 M.L.K. Jr. Drive West Tower, suite 716 Atlanta, GA 30334 Fax: (404) 657-8542. And, third, if you feel that the Truth in Lending Act has been violated, file a complaint with the Federal Trade Commission. The FTC does not solve individual problems but will act if it discovers a pattern of violations.
In a place as lovely as Hawaii, it’s hard to imagine wanting to file any kind of complaint, but if you have been wronged by a payday loan company, that is just what you may need to do. Hawaii.gov (the official site for Hawaii) gives several choices in filing a complaint. 1. First write to the party that you have the complaint against and try to resolve the issue, keeping a copy of the letter. If that doesn’t work, get a complaint form from the web site at http://hawaii.gov/dcca/areas/rico/forms/, 2. Call 586-2653, 3. Write to the Consumer Resource Center, 235 South Beretania Street, 9th Floor, Honolulu, Hawaii 96813, or 4. Go to the Office of Consumer Protection (OCP) and Regulated Industries Complaints Office (RICO) of the Department of Commerce and Consumer Affairs (DCCA) at either: a. Hilo office: 345 Kekuanaoa Street, Suite 12 Hilo, Hawaii 96720 b. Wailuku office: 1063 Lower Main Street, Suite C-216 Wailuku, Hawaii 96793 c. Honolulu office (main location): Leiopapa A Kamehameha Building 235 South Beretania Street, Suite 801 Honolulu, Hawaii 96813
The Idaho Department of Finance (DOF)’s Mission Statement is: “To aggressively promote access to vigorous, healthy and comprehensive financial services for Idaho citizens. This is accomplished through prudent and efficient oversight of financial institutions, investment opportunities and credit transactions.” As part of this, the DOF regulates payday loans in the state of Idaho. If you have a complaint against a payday lender, whether it is the quality of the consumer finance services, or ethical debt collection practices, or any other payday loan complaint, the DOF has a consumer affairs response program. The consumer affairs response program works first to get the cooperation of both parties to resolve a dispute and complaints are often resolved through this process. However, if this doesn’t work, civil or administrative enforcement actions may also be the result of the complaint. If you need further information, contact the DOF at: 800 Park Blvd. Suite 200 Boise, Idaho 83712 Telephone: (208) 332-8000 Toll Free in Idaho: (888) 346-3378 Or online go to: Idaho Department of Finance.
If you have a complaint against a payday lender in the state of Illinois, the Illinois Attorney General’s (AG) office, Consumer Protection Division is the place to go for help. They offer a mediation process to help resolve the dispute or complaint. The AG’s site has downloadable PDF complaint forms that you can download, complete, then mail back to their offices. They then send your complaint to the other party in the dispute, unless you ask them not to. The AG’s office has attorneys, investigators, and staff ready to work with you on your complaint. After completing the forms, mail them back to: If the forms are completed in English: Office of the Illinois Attorney General Consumer Protection Bureau 500 South Second Street Springfield, IL 62706 If the forms are completed in Spanish or en Español send to: Office of the Illinois Attorney General Consumer Protection Division 100 West Randolph Street Chicago, Illinois 60601 If you are having trouble downloading the forms or have other questions, you may also phone: Chicago 800-386-5438 TTY: 800-964-3013 Springfield 800-243-0618 TTY: 877-844-5461 Carbondale 800-243-0607 TTY: 877-675-9339 Spanish Language Hotline: 1-866-310-8398
If you have a complaint, try to settle the matter with someone with authority at the company first. By doing so, both parties may be able to settle a disagreement and reach a resolution in a reasonable amount of time. If all fails, contact the Indiana Department of Financial Institutions. You may need to fill out a complaint form and mail it to the Department, including copies, not originals, of relevant documents, payments posted, agreements, etc. Note that the Department does not have the ability to act as a court law. However, if a company is, indeed, found to be in violation of the law, the Department will make appropriate counteractive actions.
According to Tom Miller of The Iowa Department of Justice, Office of the Attorney General, to file a complaint against a payday lender in the state of Iowa, contact the Attorney General’s Consumer Protection Division, which is in Des Moines, Iowa. You can go to their website at http://www.iowaattorneygeneral.org/file_complaint/index.html or you can call 515-281-5926.
If you feel the need to file a complaint against a loan company, contact your lender and speak to someone with authority to address your concern with. If you feel you have a legitimate complaint but have been overlooked by your lender, contact the Kansas Attorney General Office for further assistance. You will need to fill out a complaint form (complaint forms are available online).Along with your complaint form, you may need to need to include copies, not originals, of any relevant documents you may have that will help with the complaint investigation. Note that the Kansas Attorney General Office cannot represent individual consumers or file a lawsuit whose only purpose is to recover money or property for an individual.
To file a complaint, contact the Kentucky Department of Financial Institutions. They may be able to help as long as the financial institution falls under the jurisdiction of the DFI. (Search for an Entity: http://www.kfi.ky.gov/search.htm) Fill out a complaint form and submit it to the Department via online, by mail or fax. Along with the completed complaint form, you may also need to include important relevant documents, such as receipts, agreement contracts, etc.
If you feel you have been a victim of predatory lending, it is important that you address this matter with your state and federal regulators. To file a complaint, you will need to visit the Louisiana Office of Financial Institutions website to get a copy of the complaint form (copies are available in Adobe Acrobat PDF or Microsoft Word file). You can e-mail your complaint, but the site strongly advises you mail or fax in your form to avoid 3rd party interceptions. You can send your complaint form to the following address: Office of Financial Institutions Post Office Box 94095 Baton Rouge, LA 70804-9095
If you live in the state of Maine and would like to file a complaint, visit the Bureau of Financial Institutions. You can file a complaint via online or by mail. Complaint forms are available for download in Adobe Acrobat PDF or Microsoft Word file. To mail in complaints, send it to: Maine Bureau of Financial Institutions Consumer Outreach Program 36 State House Station Augusta, ME 04333-0036
If you feel you have been a victim of predatory lending, you can file a complaint by simply writing a letter to the Commissioner of Financial Regulation. Along with your letter, you may also need to send in copies of any relevant documents you may have that will assist in the complaint investigation. Send your letter to the following address: Commissioner of Financial Regulation, Attention Complaint Unit 500 North Calvert Street, Suite 402 Baltimore, Maryland 21202
To file a complaint against a lender or banking institution, visit the Massachusetts Consumer Affairs and Business Regulation (Massachusetts Division of Banks) website. Note that the division may not always have jurisdiction over every institution named in a complaint. Visit the Find a Licensee page (http://db.state.ma.us/dob/licenseelist.asp) on their website to find out if the company is regulated by the Division. You will also be able to print out a copy of the consumer complaint form (the form is printable in Adobe Acrobat PDF or Microsoft Word file). Keep in mind that there is no e-signature option, so you will need to mail or fax in your complaint form. You may also need to attach copies of any relevant documents, payments posted, agreements, etc.
All payday loan companies in Michigan are required to bear a Michigan license in order to transact. If you are uncertain whether a payday loan company is licensed, check with Michigan’s Office of Financial and Insurance Services (OFIS) via their Web site or telephone at (877) 999-6442. Complaints regarding any payday loan business in Michigan should be made in writing to the OFIS at the following address: Office of Financial and Insurance Services P.O. Box 30020 Lansing, MI 48909 You can download a printable complaint form in PDF file format. Compatible PDF reader software is required. Print the form, provide all required information with relevance to your case and mail it to the above address. For more information on payday loans in Michigan (aka “deferred presentment service transactions” in Michigan law), click here.
Like any state chartered bank, credit unions or regulated financial services, payday lenders fall under the jurisdiction of the Minnesota Department of Commerce. If you have a complaint with a payday lender that cannot be resolved with the company directly, please fill out the this form at http://www.state.mn.us/portal/mn/jsp/content.do?contentid=536905283&contenttype=EDITORIAL&template=&id=-536881350&subchannel=null&sc2=null&programid=536884659&agency=Commerce and mail it, along with copies of correspondence with the lender and any other appropriate documentation to the following address: State of Minnesota Department of Commerce Division of Financial Institutions 85 7th Place East, Suite 500 St. Paul, Minnesota 55101-2198 A copy of your complaint will be forwarded by the Minnesota Chamber of Commerce to the payday lender in question. If you have further questions, the Chamber can be contacted at (651) 296-2135.
The Mississippi Attorney General’s Office of Consumer Protection is empowered to investigate consumer complaints regarding payday lenders. While it is not an attorney or court of law that will become involved in a consumer’s complaint resolution process, the Office of Consumer Protection advises consumers not to hesitate if they need to file a complaint. Any direct communication from consumer to lender regarding a complaint should be done via certified mail. Furthermore, copies of any correspondence should be kept. If you would like to open a case against a payday lender in Mississippi, an official Complaint Form must be used. Complete the form, include appropriate documentation and mail it to the following address: Consumer Protection Division Office of the Attorney General P.O. Box 22947 Jackson, Mississippi 39225-2947 More information is available via telephone at (601) 359-4230 or (800) 281-4418 in Mississippi. Telefax is also available at (601) 359-4231.
Complaints against payday lenders in Missouri can be filed with the Missouri Division of Finance by submitting information an online form via postal mail or fax using this paper form. Contact the Division of Finance as follows: MISSOURI DIVISION OF FINANCE P. O. BOX 716 JEFFERSON CITY, MISSOURI 65102-0716 PHONE: 573-751-3242 FAX: 573-751-9192 Things to remember: • Keep a copy of any document filed for your records • The Division of Finance will provide the payday lender in question with a copy of the complaint form within 30 days; you will receive a copy of the letter sent to the lender • The Division of Finance is not a lawyer or court of law; they will determine if Missouri state law has been broken, but they cannot grant consumers legal advice • The Division of Finance will not become involved in litigation between a consumer and a payday lender
Complaints against payday lenders in Montana are handled by the Division of Banking and Financial Institutions. If you are unable to resolve the complaint with the lender directly, you may file an official complaint via postal mail or fax at (406) 841-2930. Direct mailed complaints to: State of Montana Department of Administration Division of Banking and Financial Institutions 301 South Park, Suite 316 P.O. Box 200546 Helena, MT 59620-0546 Please keep in mind that Montana’s Division of Banking and Financial Institutions will not act as an attorney or court of law in your case. They cannot give you legal advice or pursue redress on your behalf. If a complaint is already in litigation and an attorney has been retained, the Division of Banking and Financial Institutions will not handle the complaint. For more information, call (406) 841-2920.
In order to file a complaint against a payday loan company in Nebraska, you must print and fill out the form provided at http://www.ndbf.ne.gov/consumers/complaint.shtml, then mail in your written complaint to: Nebraska Department of Banking and Finance, Financial Institutions — Complaints, P.O. Box 95006, Lincoln NE 68509-5006
If you want to file a complaint in the State of Nevada, call the Bureau of Consumer Protection at 702-486-3420. The office is located at 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101.
To file a complaint against a payday loan company in New Hampshire, contact the New Hampshire Department of Justice. If you have all documentation supporting your complaint in Word, Excel or PDF format, go to http://www.egov.nh.gov/consumercomplaint/ you can select “File a complaint electronically.” The same address provides the option to download a complaint form, which you can print, fill out and mail with supporting documents to Office of the Attorney General, Consumer Protection and Antitrust Bureau, 33 Capitol St., Concord NH 03301. You can contact the Consumer Protection and Antitrust Bureau at (603) 271-3641.
The New Jersey Office of Consumer Protection says that for assistance filing a complaint, you should call 973) 504-6200.
If you have Adobe Reader, you can download a Consumer Complaint form from the New Mexico Office of the Attorney General. You must hand deliver or mail your written complaint and two copies of supporting documents to the AG office nearest you. Santa Fe: 408 Galisteo Street, Villagra Building, Santa Fe New Mexico 87501 or P.O. Drawer 1508, Santa Fe NM 87504-1508. Albuquerque: 111 Lomas NW, Ste 300, Albuquerque, NM 87102. Las Cruces: 201 N. Church St., Ste. 315, Las Cruces, NM 88001. For more info call 1-800-678-1508.
In the State of New York, you can file a complaint with the Bureau of Consumer Frauds and Protection. Forms and addresses are available at http://www.ag.ny.gov/bureaus/consumer_frauds/filing_a_consumer_complaint.html. There are 13 regional offices, so check the web site to find the one nearest you. Complaints must be submitted in writing, and you should only send copies, not original documents. Each bureau has a specific complaint form, so be sure you have Adobe Reader and download the proper form for your area. The number for the consumer hotline is 800-771-7755
Please note that storefront payday lenders have been outlawed in North Carolina. Some out-of-state or overseas online lenders continue to transact in the state, however. If you wish to file a complaint against a payday lender, call toll free within North Carolina at (877) 5-NO-SCAM or (919) 716-6000. The official complaint form is available here, or you can file your complaint electronically. Mailing address: STATE OF NORTH CAROLINA Department of Justice 9001 Mail Service Center Raleigh, NC 27699-9001 Please provide legible copies of any supporting documentation – DO NOT SEND ORIGINALS. Whether you file via mail or online form, your explanations should be as specific as possible. The North Carolina Department of Justice will not act as an attorney or court of law and cannot provide legal advice.
Financial service providers in North Dakota are regulated by the state Department of Financial Institutions (DFI). If you wish to file a complaint against a payday lender in the state, carefully complete this official complaint form located at the bottom of the www.nd.gov webpage and mail it to the following address: Consumer Protection Division Office of Attorney General Gateway Professional Center 1050 E Interstate Ave Suite 200 Bismarck, ND 58503-5574 If you require additional information, contact the DFI at (701) 328-9933.
You may file a consumer complaint online with the Ohio Attorney General’s office at http://www.ohioattorneygeneral.gov/. If you wish to contact the Attorney General directly, call (800) 282-0515. The address of the Attorney General’s office is Ohio Attorney General Richard Cordray 30 E. Broad St., 17th Floor Columbus, OH 43215
Payday lenders doing business in Oklahoma are governed by the Oklahoma Deferred Deposit Lending Act. An aggrieved debtor or a member of the public may file a complaint against a licensee or nonlicensee who violates any provision of said act. The Oklahoma Administrator of Consumer Credit is authorized to hold hearings upon the request of a party to the complaint, make findings of fact and conclusions of law, issue cease and desist orders and suspend or revoke a license granted under the act. The Act can be read in its entirety at the online site for the Oklahoma Department of Consumer Credit at http://www.ok.gov/okdocc/. Contact information for the Oklahoma Department of Consumer Credit : 4545 North Lincoln Boulevard, Suite 164 Oklahoma City, Oklahoma 73105-3403 Phone: (405) 521-3653 | Fax: (405) 521-6740 In-state Consumer Hotline: (800) 448-4904
Payday lenders doing business in Oregon are governed by ORS 725.340 and 725.622, as amended, which may be read online at http://www.leg.state.or.us/06ss1/measures/sb1105.en.html. In Oregon, you may file a complaint against a payday lender by filling out an online form at the website for the Division of Finance and Corporate Securities, http://www4.cbs.state.or.us/ex/dfcs/complaint/index.cfm; by faxing a complaint to 503-947-7862; or by mailing a complaint to PO Box 14480, Salem, OR 97309-0405. According to the Division of Finance and Corporate Securities website, you are not to submit any supporting documentation with your complaint. If needed, documentation will be requested by a representative from the division after your complaint has been reviewed.
Payday lenders doing business in Pennsylvania are subject to state lending laws. The 2003 House Bill considered by the General Assembly of Pennsylvania may or may not contain all or part of the laws currently in effect. You can read the bill at http://www.payday-loan-laws.info/States/Pennsylvania_Payday_Loan_Laws.htm. If you have a complaint concerning a payday lender in Pennsylvania, contact an attorney licensed to practice there. A directory of attorneys licensed to practice in Pennsylvania can be found online at http://pennsylvania.statelawyers.com/. You can also find names of attorneys who practice fair lending law in Pennsylvania at http://www.lawyers.com/Fair-Lending/Pennsylvania/Philadelphia/law-firms.html.
The Rhode Island Department of Business Regulation Division of Banking has statutory authority over licensed small-loan lenders operating in the state, which may or may not include payday lenders. While some complaints may be easily resolved by Division of Banking intervention, the Division is not authorized to pursue legal redress on behalf of consumers. The Division cannot provide legal advice and it may be necessary for consumers to pursue complaints in civil court. It is suggested that consumers attempt to resolve problems by contacting lenders directly before filing written complaints with the Division. Complaints should include the consumer’s name, address and telephone number; the lender’s name, address and telephone; and a narrative description of the complaint. Copies of supporting documents should also be forwarded to the Division. It is unclear whether specific claim forms are required to be filled out. Consumers wishing to file complaints should first contact the Department of Business Regulation at 401-462-9500 or the Division of Banking at 401-462-9503 about form requirements. Complaints should be mailed or delivered to: State of Rhode Island Department of Business Regulation Division of Banking 1511 Pontiac Avenue, Bldg 69-2 Cranston, RI 02920
Payday lenders doing business in South Carolina are governed by S.C. Code Ann. 34-39-110, et seq. The South Carolina State Board of Financial Institutions is charged with regulation of the lending industry. For complaint forms and other information, contact the Consumer Finance Division: South Carolina State Board of Financial Institutions Consumer Finance Division P.O. Box 11905 Columbia SC 29211 Phone: (803) 734-2020 Fax: (803) 734-2025 Complaints are handled by the Department of Consumer Affairs. Complaints may be mailed to: Department of Consumer Affairs 3600 Forest Drive, 3rd Floor Phone: (803) 734-4200 Toll-free: (800) 922-1594 Fax: (803) 734-4286 Complaints may also be filed online. For information about filing online, go to http://www.scconsumer.gov/complaint_services.htm.
Payday lenders doing business in South Dakota are governed by S.D. Codified Laws 54-4-36 et seq. The regulatory commission is the South Dakota Division of Banking. Contact information is: South Dakota Division of Banking Address: 217 1/2 West Missouri Avenue Pierre SD 57501 Phone: (605) 773-3421 Fax: (605) 773-5367 Complaints may be filed with the Division of Banking by mail or fax. Complaint forms may be found at http://www.state.sd.us/drr2/forms/Banking/non-E1949V1-ConsumerComplaint.pdf.
Payday lenders doing business in Tennessee are governed by Tenn. Code Ann. 45-17-101, et seq. The regulatory commission is the Tennessee Department of Financial Institutions. Contact information is: Tennessee Department of Financial Institutions Consumer Resources Division 414 Union Street, Suite 1000 Nashville, Tennessee 37219 Phone: 1-800-778-4215 Fax: (615) 253-7794 Complaints may be filed by mail for fax. For information about how to file by a complaint, go to http://www.tennessee.gov/tdfi/crd/complaintprocess.html. Complaints may also be filed online. An online complaint form can be found at http://www.tennessee.gov/tdfi/crd/CCF.html
Payday lenders doing business in Texas are governed by 7 Tex. Admin. Code 1.605; Tex. Fin. Code Ann. 342.251, et seq. and 342.601, et seq. The regulatory agency is the Texas Office of Consumer Credit Commissioner. Contact information is: Texas Office of Consumer Credit Address: 2601 N. Lamar Blvd. Austin TX 78705 Phone: (512) 936-7600 Fax: (512) 936-7610 Complaints and supporting documents may be mailed or faxed to the Texas Office of Consumer Credit. The complaint form can be found online at http://www.occc.state.tx.us/pages/consumer/assistance/cmlt.pdf
Payday lending in Utah is legal, though it applies to check cashers only. Complaints about payday lenders in the State of Utah should be submitted to the Utah Department of Financial Institutions. The Utah DFI website has complaint forms that are free to download, in either Microsoft Word or Adobe PDF. Once you have downloaded and completed the form, follow the submission guidelines on the DFI Complaint webpage.
In the state of Virginia, payday loans of $500 or less are legal. Complaints about payday lenders in the Commonwealth of Virginia should be directed to the Bureau of Financial Institutions, part of the State Corporation Commission. The website has a complaint form that can be downloaded, in PDF format, so you must have Adobe Reader installed.
Small loans are not specifically authorized, and small loans with interest in excess of 18% are prohibited in the state of Vermont, thus being defacto prohibited by the rate cap. Vermont does not regulate all financial institutions within the state. However, any and all complaints should be directed to the Department of Banking. The complaint form is downloadable, in PDF Format, So Adobe Reader will be needed. Since the state of Vermont does not regulate all entities, you may be required to report a complaint in the state a payday loan company is headquartered and registered in.
Payday loans in Washington State are legal, as long as the lender has a small loan endorsement on their Check Cashing license, not to amount to more than $700. Complaints concerning payday loans in Washington State should be directed to Consumer Services, part of the Department of Financial Services. Complaints can be submitted via online form, or downloaded in PDF, or called in over the phone, at 360-902-8811 or 1-877-RING DFI (1-877-746-4334).
Payday lending in Wisconsin is legal, and has no cap on the amount, and no specified rate cap. Complaints concerning payday lenders or payday loans in the state of Wisconsin should be directed to the Department of Financial Institutions. The complaint form, located here, can be either completed and submitted online, or downloaded in PDF form, completed and mailed in with any other relevant documents.
Payday lending in Wyoming is legal, with no cap on amounts, though a maximum finance charges or rates at the greater of either $30 or 20% per $100. Payday lenders in Wyoming are governed by the Department of Audit’s Division of Banking, as Non-Depository Financial Services. To file a complaint about a payday lender in WY, you must file a written complaint. Download the form (PDF – so you must have Adobe Reader) or request a form and mail it to the following address: Wyoming Division of Banking Uniform Consumer Credit Code Herschler Building, 3 East 122 West 25th Street Cheyenne, WY 82002 Telephone number 1-307-777-7797
Payday lending is not specifically authorized and defacto prohibited in West Virginia by a small rate cap of 31% on any loan smaller than $2,000. Payday loans in West Virginia are regulated by the West Virginia Division of Banking. Complaints must be submitted in writing, and the forms are available to download in Adobe PDF (must have Adobe Reader) and mailed to the Division of Banking:West Virginia Division of Banking One Players Club Drive Suite 300 Charleston, WV 25311-1638 Phone: (304) 558-2294 Fax: (304) 558-0442 Their hours are: 8:30am to 4:30pm M-F Eastern Std.