Step-by-step guide to filing a Consumer Financial Protection Bureau complaint. When to file, what to include, and expected response times. This guide is customized for Buffalo residents with New York-specific consumer protection information.
Buffalo Local Tip: Buffalo residents benefit from NY's strong General Business Law § 349 — deceptive practices are broadly prohibited.
New York law: Deceptive Acts and Practices Law (N.Y. Gen. Bus. Law § 349) — treble damages available — private right of action
CFPB covers: banks, credit cards, mortgages, student loans, debt collection, credit reporting, money transfers. They do NOT cover: insurance, auto dealers, or securities.
CFPB expects you to attempt resolution directly. Send a demand letter first. If the company doesn't respond within 30 days, escalate to CFPB.
Select your product type and issue. The form guides you through the process. Have your account details and documentation ready.
Write a concise narrative: what happened, when, what you've already done to resolve it, and what you want. Include dollar amounts and dates.
Upload your demand letter, the company's response (or lack thereof), billing statements, and any relevant correspondence.
You'll get a tracking number. The company must respond within 15 days. CFPB publishes complaint data — companies take these seriously.