Need to file a regulatory complaint? Draft the one agencies actually read.
A formal complaint citing the specific regulation and the agency with authority. Preview it free before you pay.
- To: Consumer Financial Protection Bureau (CFPB)
- Complaint against: First National Bank (FDIC # 00024)
- Account: Checking xxxxxxxx8821
- On March 15, 2026, First National Bank charged an overdraft
- fee of $35 on a transaction of $12.47, despite my account
- having been enrolled in overdraft protection. This fee was
- assessed in violation of Regulation E (12 CFR 205) and the
- bank's own disclosed overdraft policy.
- I have contacted customer service on March 18 and March 25,
- 2026 (reference numbers 2026-03-18-4421 and 2026-03-25-8833)
- without resolution. I am requesting reversal of the $35 fee
- and confirmation of correct overdraft policy enrollment...
Full complaint includes: agency identification, company details, chronology of events, regulatory violations cited, documentation list, and specific relief requested.
What's actually happening.
A bank, telco, airline, or other regulated company wronged you. The company won't budge. You've called customer service three times.
The right move is filing a regulatory complaint with the agency that licenses them: CFPB, FCC, DOT, state AG, state banking commissioner. Most people don't know which agency to file with or how to write the complaint.
Regulatory complaints create a paper trail that companies take seriously.
How it works.
Upload the notice, answer a few questions
A photo, a PDF, or the pasted text of what they sent you. Then the minimum we need: your name, what happened, any context.
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Pricing.
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The full letter as PDF and Word. You print it, sign it, and send it.
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Laws we cite.
Every letter is grounded in real statutes and regulations. These are the ones that apply here.
12 CFR 1080 CFPB. Consumer Financial Protection Bureau complaints for banks, credit unions, lenders, debt collectors, and financial products.
47 CFR (FCC) FCC complaints for internet service providers, cable companies, wireless carriers, and telephone companies.
14 CFR 259 DOT. Department of Transportation complaints for airlines, flight delays, cancellations, and baggage.
State AG / banking commissioner State-specific complaints for businesses regulated at the state level. We identify the correct office for your state and company type.
Who this isn't for.
We are honest about our limits. FightThis may not be right if:
- You want to sue the company. Regulatory complaints and litigation are different tracks. Our letter doesn't preclude a lawsuit but isn't legal representation.
- The issue involves a government agency (not a private company). Those require a different complaint path.
- The company is not in a regulated industry. Complaints work best for licensed and regulated entities.
If your situation is high-stakes, please find a local attorney. Many state bars have free or low-cost referral services.
Common questions.
Which agency should I file with?
We identify this for you based on the type of company. Banks: CFPB or OCC. Airlines: DOT. Cable, internet, or wireless: FCC. Insurance: your state insurance commissioner. Credit cards: CFPB. We ask which company wronged you and we figure out the right agency.
Does a regulatory complaint actually do anything?
Yes, more than most people expect. Agencies forward complaints to the company and require a response, and companies often resolve the issue to avoid regulatory attention. State AG complaints often prompt direct outreach.
Can I file with multiple agencies?
Yes. We can draft simultaneous complaints to the federal regulator and the state AG. Parallel filings increase pressure.
What should I expect?
After you file, the agency typically forwards your complaint to the company and requires a response within 15 to 60 days. Many complaints are resolved at this stage.
Will this affect my relationship with the company?
Possibly. Regulatory complaints are taken seriously and sometimes escalate your case to executive customer service teams. This is usually helpful, not harmful.
What if the company retaliates?
Retaliation for filing a regulatory complaint is illegal. If it happens, contact the same agency and note the retaliation in a follow-up complaint.
We mail it for you
Regulatory bodies often require certified mail for formal complaints, and a postmarked envelope carries more weight than an online form. We handle the certified mailing for you.
Recommended: Certified Mail, $19.99. See all mailing options.
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