Build a bank complaint that is easy to follow

01. Define the issue in one paragraph

Identify the account or product without publishing sensitive numbers. Explain what happened, why you dispute it and what resolution you are seeking. Separate unauthorized activity from a merchant or service disagreement.

02. Keep a complaint chronology

Record the original complaint date, acknowledgment, reference number and subsequent written responses. Preserve transaction notices and relevant statements. Ask the institution to address specific unanswered points rather than repeatedly starting a new complaint.

03. Know the bank’s response period

For banks covered by the federal complaint framework, the bank must provide its written final response within 56 days of receiving the complaint. This is a complaint-handling requirement, not a guarantee of compensation.

04. Check whether OBSI can review the matter

For an eligible bank or federal credit union complaint, OBSI may review the matter after a final response you remain dissatisfied with, or after 56 days without a final response. A complaint generally must be brought to OBSI within 180 days of the firm’s final response. Eligibility and the rules for other institutions differ.

05. Keep regulatory and compensation issues distinct

A complaint about conduct and a request for financial redress are not always resolved by the same body. Review the proper pathway for the institution and issue. Do not assume an external complaint automatically extends a court deadline.

06. Share only what is necessary

Redact unnecessary account details when seeking initial assistance. Never send passwords, PINs or one-time codes. This website’s inquiry form is for a short overview, not a full evidence submission.