Division of Banking File a Complaint

The Illinois Department of Financial and Professional Regulation DFPR), Division of Banking, Bureau of Banks and Trust Companies has authority to accept consumer complaints for the following regulated entities:

State Banks, Trust Companies, Foreign Banking Offices, Foreign Bank Representative Offices, Foreign Corporate Fiduciaries, Foreign Trust Offices in Illinois, Thrifts, Sellers or Distributors of Checks, Pawnbrokers, Automated Teller Machines Owned by Non-Financial Institutions, Mortgage Banks, Mortgage Servicers, Mortgage Brokers and Mortgage Originators.

If you are uncertain about whether or not your complaint falls under our jurisdiction, you should review our list of regulated entities or call 1-800-613-6743 (Office of the Comptroller of the Currency's Customer Assistance Office). The FDIC Institution Directory (ID) also provides the latest comprehensive financial and demographic data of every FDIC-insured institution, including the most recent quarterly financial statements, as well as performance and condition ratios.

DFPR does not have any authority over national banks (N.A.), federal savings and loans (S&Ls), federally chartered savings banks (F.S.B.s), or credit unions.

It is best to try to resolve a complaint directly with your institution before involving an outside agency. If you believe the institution is in error, put your concern in writing and schedule a meeting with your institution's officials and explain your situation. When you meet with the officials at the institution, have all of your facts and documents with you. In most cases, this kind of direct dialog between the customer and the institution will bring a resolution.

Financial institutions want to be good corporate citizens and will in most cases make every effort to satisfy a customer's concerns.

When resolution seems impossible, you may seek 1)private legal counsel or 2) contact our Consumer Services Division 3) or both. This Consumer Services Office is authorized to process your inquiry/complaint against our regulated entities. For Consumer Services to process your complaint, you must submit a complaint form.

For your complaint to be processed, you should complete this form and explain
· The nature of the situation
· The institution’s decision concerning your situation and the basis for their decision, if know
· What resolution you are seeking

and email the form or print the form and send to the mailing address at bottom of the form

The following is Consumer Services contact information should you wish to contact them:

Toll Free Consumer Hotline: 1-888-4REGUL8 (1-888-473-4858)
Consumer Services Direct Line: 312-793-1438
Fax: 312-814-8672

Office of the Comptroller of the Currency
Regulates national banks, federal savings and loans (S&Ls) and federally chartered savings banks (F.S.B.s))). National banks can usually be identified because they have the words "national" or "national association" in their titles or the letters N.A. or NT&SA following their titles.

Customer Assistance Group
1301 McKinney Street
Suite 3710
Houston, TX 77010
800-613-6743
E-mail: Customer.Assistance@occ.treas.gov
Internet: https://www.occ.treas.gov/

The National Credit Union Administration
Regulates federal credit unions)

1775 Duke Street
Alexandria, VA
22314-3428
703-518-6300
Internet: https://www.ncua.gov/

Division of Financial Institutions
Regulates consumer finance companies, credit unions, currency exchanges, title insurance companies, and money transmitters.)

555 West Monroe Street, 5th Floor
Chicago, IL 60661
312-814-1857
E-mail: Consumer Credit Division - FPR.ConsumerCredit@illinois.gov
E-mail: Credit Union Division - mailto:FPR.CreditUnion@illinois.gov
E-mail: Currency Exchange Division - FPR.CurrencyExchange@illinois.gov
E-mail: Title Insurance Division - FPR.titleinsurance@illinois.gov

Office of State Treasurer
Unclaimed Property)

Unclaimed Property Division
P. O. Box 19495
Springfield, IL 62794-9495
Inquiry: 217-785-6992
Claims: 217-782-6692
Reporting: 217-782-4072

The Federal Deposit Insurance Corporation
Regulates Federally insured state banks that are not members of the Federal Reserve System)

Division of Compliance and Consumer Affairs
550 17th Street, NW
Washington, DC 20429
202-942-3100
800-934-FDIC
Email: consumer@fdic.gov
Internet: http://www.fdic.gov/

The Federal Reserve Board
(Regulates state banks that are members of the Federal Reserve System)

Division of Consumer and Community Affairs
Federal Reserve Board
Washington, DC 20551
202- 452-3946
Internet: https://www.federalreserve.gov/

Federal Trade Commission
(Regulates other lenders)

Consumer Response Center
6th and Pennsylvania Avenue, N.W.
Washington, DC 20580
202- 326-2222
Email: consumerline@ftc.gov
Internet: http://www.ftc.gov/

Department of Housing and Urban Development HUD)
(Enforces Fair Housing Act)

Office of Fair Housing and Equal Opportunity
451 Seventh
Street, S.W., Room 5100
Washington, DC 20410
202-708-4252
800-669-9777
Internet: https://www.hud.gov/