Every complaint has a referee — most people just don't know which one. Find yours. All complaints below are free to file.
The Consumer Financial Protection Bureau. Companies generally must respond within 15 days. → consumerfinance.gov/complaint
The Federal Trade Commission → reportfraud.ftc.gov. Identity theft specifically → identitytheft.gov. Online crime → ic3.gov (FBI).
Your state attorney general's consumer protection division — often the fastest real-world results. Find yours → naag.org/find-my-ag
HUD's Office of Fair Housing → hud.gov/fairhousing — race, religion, sex, disability, family status, and national origin are all protected.
The U.S. Department of Transportation → transportation.gov/airconsumer. Airlines must respond to DOT complaints.
The federal No Surprises Help Desk: 1-800-985-3059 → cms.gov/medical-bill-rights
Your state insurance department (find it → naic.org). Self-funded employer plan? U.S. Dept. of Labor EBSA: 1-866-444-3272 → askebsa.dol.gov
U.S. Dept. of Labor Wage & Hour Division: 1-866-487-9243 → dol.gov/agencies/whd — free, confidential, retaliation is illegal. Your state labor department is often faster for final paychecks.
OSHA → osha.gov/workers
The Federal Communications Commission → consumercomplaints.fcc.gov
USPS consumer help → usps.com/help; postal fraud → uspis.gov/report
Your state public utility commission — search "[your state] public utility commission complaint."
State attorney general (above) + FTC. For safety defects → nhtsa.gov
→ donotcall.gov to register and report.