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Coordinating Consumer Complaints


The Dodd-Frank Act requires the CFPB to share consumer complaint information with the FTC and other state and federal agencies. The goal is to make sure agencies coordinate their enforcement of consumer financial protection laws. Recently, we signed an agreement with the FTC that moves us one step closer to achieving that goal. The agreement allows the CFPB to access consumer complaints within the FTC’s Consumer Sentinel system. In addition, we will share complaint information that we receive from consumers with the Sentinel database, subject to appropriate privacy protections and access restrictions.

Consumer Sentinel helps law enforcement track and respond to consumer complaints. It is an online database of consumer complaints maintained by the FTC. The complaints in the database touch on many financial matters, from advance-fee loans to credit scams, from debt collection to credit reports, and more. The database is accessible only to law enforcement. The more good data that is included in it, the more effective it is as a tool.

Many entities, both government and non-government, already share complaints with Consumer Sentinel. Among the government entities are several state Attorneys General (including Idaho, Michigan, Mississippi, North Carolina, Ohio, Oregon, Tennessee, and Washington State), the U.S. Postal Inspection Service, and the FBI’s Internet Crime Complaint Center.

The non-governmental organizations include the Lawyers’ Committee for Civil Rights, MoneyGram International, the National Consumers League, Publishers Clearing House, Xerox Corporation, and the Better Business Bureaus. These organizations can add information to the database about problems people report to them. They do not have access to complaints submitted by law enforcement agencies. Law enforcement can then review all this information to learn more about the conditions facing consumers.

By participating in the Consumer Sentinel database, we hope to further enhance this already useful database for ourselves and for others. We can use the data to help make the market for financial products and services work better for consumers.

  • Loretta Wilson

    I was on a bank account with another individual with two debt cards.  I notified the institution to remove my name or stop the debt card.  The bank would not do either and now I am reported to Chex Systems for the overdrawn account that I had no control over.  How can I get this cleared up?

    • Larcryer

      One more thing.  I also would start with righting the Corporation Bank President or CEO.  Not the branch manager.  You can find it on the corporate website.  You fight have to search around to find the address and the name.  Sometimes you can find it in the investor link.

  • Ferriter1


    I am so sick of Safe
    Credit Union in North Highlands, PO Box 1057 CA 95660-1057!


    They have been cheating
    me since I took out a car loan five years ago and now they keep adding
    ‘interest’, that is, they told me I still owed 360usd and I could pay online.
     When I tried, I was told I had to have a SAFE bank account or pay at one
    of their ‘offices’.  So I sent a check but they held it long enough and
    when I called, I was told I still owed interest, ‘a few cents’ which turned out
    to be 75 dollars since I was now late!  


    They charged me 600
    dollars saying my insurance did not cover a certain period and when I sent them
    the statement from GEICO showing coverage, they would not acknowledge it;
    furthermore the car was not being used at all in that period.


    I cannot reach them by
    email because their site tells me my log in information is false.  I want
    a download of the entire transaction but although their website claims they
    will supply this, they have sent NOTHING.  Their main branch is in Texas
    but they have never answered me.

  • Betiana Caprioli

    I just received a notification saying that my credit card has failed to respond.  However, 48 hours after logging my complaint with the agency, my credit card contacted me to reduce the rate.  There is no place in the “track the case” page to write this, but I think you should know.  Thank you for all your help. (Case number: 110803-000300).

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