Where Do I Make An Online Banking Complaint?
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Although both online and branch banking institutions are highly regulated in the United States, and consumer protection is provided by a myriad of other rules, procedures and regulations, errors do happen. When it comes to protection of our assets, individuals are willing for their legislators to work just a little harder to accomplish at least a semblance of security and privacy.
Help or contact
Sometimes in the course of conducting business and personal financial transactions, there will be questions that arise. The first step in resolving the issues or finding the answers to the questions is at the help area of your online banking institution. Usually you can find information labeled ‘Help’ or ‘Contact’. Commonly, you will be referred to policy statements or explanations in hopes of answering your question, so that is the first stop in getting your query resolved. Read through the information that you are provided to see if the question is answered. You may have to try several combinations of key words in your search to get an answer. If you are like many customers, your question or concern is not a simple yes or no and you may not be able to glean the answer through boilerplate policy statements. However, it is also possible that the answer to your question will be available because someone has had the same question in the past. If so, you have saved yourself some time and effort.
Regulations
In order to review an overview of the applicable regulations about banking and banking transactions, visit the FDIC’s Consumer Rights Web page at: http://www.fdic.gov/consumers/consumer/rights/index.html.
A more comprehensive display of the regulations regarding the federal reserve systems can be found at: http://www.federalreserve.gov/regulations/.
Federal regulator
If you are not able to get adequate answers to your questions, your next step is to contact the regulatory authority in charge of your specific bank. The appropriate federal regulator contact information can be located via email or online.
Contact one of the following agencies in order to be directed to the appropriate location for your question to be answered or for the filing of a complaint.
*Federal Deposit Insurance Corporation
http://www2.fdic.gov/starsmail
*Office of the Comptroller of the Currency (e-mail):
customer.assistance@occ.treas.gov
*Board of Governors of the Federal Reserve System:
http://www.federalreserve.gov/pubs/complaints
Office of Thrift Supervision (e-mail):
consumer.complaint@ots.treas.gov
Web
Another way to find help in following up on a complaint or criticism of any business or governmental body is to do a web search using your favorite search engine tool. Usually a keyword or two will bring up sites that deal with consumer complaints of all natures and at all levels. Even if you are not able to find an answer to your specific problem, you can often gain contact information that will help you in pursuing the complaint.
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