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Ask BBB: Complaints

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File a Complaint Talk to Us What complaints do we handle? Find a business or charity you can trust. Ask BBB ℠ Search our directory to find a BBB Accredited Business or charity in your area.

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How was your experience? Tell BBB. Let businesses know how they're doing. Your feedback helps businesses be better and shows consumers who they can trust.

We shed light on scams. Ask BBB ℠ Search Local Scams Report a Scam What complaints do we handle? Disputes that relate to marketplace issues experienced with the services or products a business provides. BBB reserves the right to reject complaints that use inappropriate language.

We do not handle: Employee/employer disputes Discrimination claims Matters that are/have been litigated/arbitrated Complaints against individuals not engaged in business Issues challenging the validity of local, state, or federal law Complaints against government agencies, including the postal service Matters not related to marketplace issues How do we handle your complaint? Everything you submit will be forwarded to the busi serxxfnx. moncler kidsness within two business days. The business will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the business's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

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mens black moncler t shirt Consumer Complaint Database Each week we send thousands of consumers’ complaints about financial products and services to companies for response. Those complaints are published here after the company responds or after 15 days, whichever comes first. By adding their voice, consumers help improve the financial marketplace.

Consumers have let us know they want to share their complaint descriptions so others can learn from their experience.

Read consumer narratives

View, sort, and filter data right in your browser.

View complaint data

All complaint data we publish is freely available for anyone to use, analyze, and build on.

Download options and API

How one complaint can help millions 97% of complaints sent to companies get timely responses

By submitting a complaint, consumers can be heard by financial companies, get help with their own issues, and help others avoid similar ones. Every complaint provides insight into problems that people are experiencing, helping us identify inappropriate practices and allowing us to stop them before they become major issues. The result: better outcomes for consumers, and a better financial marketplace for everyone.

Have an issue with a financial product or service? Add your voice. Submit a complaint .

97% of complaints sent to companies get timely responses

Recent changes to the Consumer Complaint Database

In April 2017 we updated the form consumers use to submit complaints. The changes include making some plain language improvements and reorganizing how products, sub-products, issues, and sub-issues are grouped.

The Consumer Complaint Database shows the consumer’s original product, sub-product, issue, and sub-issue selections consistent with the options available on the form at the time the consumer submitted the complaint.

Learn more about complaint form changes to products and sub-products View full list of complaint form products, sub-products, issues, and sub-issues About the data

The Consumer Complaint Database is a collection of complaints on a range of consumer financial products and services, sent to companies for response. We don’t verify all the facts alleged in these complaints, but we take steps to confirm a commercial relationship between the consumer and the company. See publication criteria

Since we started accepting complaints in July 2011, we’ve helped consumers connect with financial companies to understand issues with their mortgages, fix errors on their credit reports, stop harassment from debt collectors, and get direct responses about problems with their credit cards, checking and savings accounts, student loans, and more. We analyze the data to identify trends and problems in the marketplace to help us do a better job supervising companies, enforcing federal consumer financial laws and writing rules and regulations. We publish reports on complaints and share information with state and federal agencies.

View reports

The database generally updates daily, and contains certain information for each complaint, including the source of the complaint, the date of submission, and the company the complaint was sent to for response. The database also includes information about the actions taken by the company in response to the complaint, such as, whether the company’s response was timely and how the company responded. If the consumer opts to share it and after we take steps to remove personal information, we publish the consumer’s description of what happened. Companies also have the option to select a public response. Company level information should be considered in context of company size and/or market share. Complaints referred to other regulators, such as complaints about depository institutions with less than $10 billion in assets, are not published in the Consumer Complaint Database.

More on how we collect and use the data Download the data Our reports highlight some of what we’re seeing in the complaints we handle, but know there are more ways to use, analyze and build on the data. That’s why we make it possible for you to download the data, once we have taken steps to remove personal information.

You can download all complaint data as either a CSV of JSON file here, or you can download a subset of the data—like all complaints for a specific product—by filtering the full data set and exporting your results.

Download all complaint data | CSV Download all complaint data | JSON Filter the full data set Use our data

Looking to export our data and have more control over it? Use our Open Data API.

For instructions and examples, refer to Socrata’s API documentation What is this data? Field reference

Have a question about a data field?

Check out our database field reference content

File a Complaint

The information below will assist you in filing a complaint with the Enforcement Division of the FPPC if you suspect a violation of the Political Reform Act (the Act). A sworn complaint entitles you to certain rights and processes, including notification of whether the matter will be investigated and the ultimate resolution.

The FPPC may only enforce violations of the Act. Violations that do not fall under the Act may be pursued by a local district attorney, the state attorney general or other enforcement agencies. 

Violations of the Act include: Financial conflicts of interest Campaign money laundering Over-the-limit gifts and contributions Improper use of campaign funds, including personal use Campaign mass mailings at public expense False, inadequate, or inaccurate reporting on statements of economic interests, campaign statements and reports Non-filing or late filing of such statements and reports Anonymous or cash contributions of $100 or more Violations do not include: False or misleading campaign materials Election fraud Misuse of public funds unrelated to campaign mass mailings Violations of the Elections Code, Penal Code or any laws other than the Political Reform Act Issues related to federal campaigns Open meeting law issues (Brown Act, Bagley-Keene) Local ordinances Vandalism of campaign signs Residency requirements for running for or holding office Electronic Complaint System

Click here to enter your complaint or referral information into the FPPC Enforcement System. Click here to see a short demonstration of the System.

Once you have submitted your complaint (or referral), you can check the status by sending an email to complaint@fppc. and including your Confirmation Number.

Sworn Complaint Requirements

A sworn complaint must comply with certain requirements. All of the pertinent information must be included. At a minimum, you must do all of the following: 

1. Submit your complaint in writing.

2. Identify the person(s) who allegedly violated the Act, list the specific provisions you believe the person(s) violated, and the dates on which the violation occurred.

3. Describe with particularity the facts constituting the alleged violation and provide any evidence to support the complaint.

4. State how you have personal knowledge of the violation.

5. Include names and addresses of witnesses, if known.

6. Check the box indicating that you are filing.

If you have any questions regarding the information required on the Complaint Form, please submit your questions electronically to complaint@fppc. . A political reform consultant will respond as quickly as possible. 

Potential Anonymity of Complainant

A complaint sent to the FPPC is subject to the Public Records Act and public disclosure, except under very limited circumstances. If you wish to keep your identity as the complainant confidential, you have two options:

1. You may make the complaint anonymously. Check "Anonymous Complaint." The Enforcement Division will evaluate your claim and has the authority to pursue a complaint on its own initiative. Please note: An anonymous complainant is not entitled to any notification of whether the matter will be investigated or the ultimate resolution.

2. If you wish to file a sworn complaint and believe you have legitimate reasons for us to keep your identity as the complainant confidential, please submit an electronic request to discuss the matter with an attorney in the Enforcement Division at complaint@fppc.. An attorney will contact you to assess your status and advise you of the possibility of withholding disclosure of your identity. However, if the confidentiality is challenged, a court ultimately could determine that the complaint must be made public. 

Complaint Process

Within 14 days of receiving your sworn complaint , the Enforcement Division will inform you how it intends to proceed. Please be advised that unless the Chief of Enforcement deems otherwise, within three business days of receiving your sworn complaint, we will send a copy of it to the person(s) you allege violated the law.

A sworn complaint found to have merit will be assigned to staff in the Enforcement Division for a full investigation. The division may obtain additional documents, issue subpoenas, and interview witnesses, including the person alleged to have violated the Act.

Commission Action

Once the Enforcement Division has fully investigated a complaint, the case may be resolved in several ways. If there is insufficient evidence to prosecute, the division may close the case with a letter finding no action or an advisory letter. If the seriousness of the offense and public harm are low, a warning letter may be issued identifying a violation of the Act but concluding a monetary fine is not warranted.

If the case merits an administrative penalty, the Enforcement Division may ask the Commissioners to approve a settlement agreement in which the subject of the investigation agrees to pay a fine or to take other remedial action. If an agreement cannot be reached, the case will be subject to a more formal administrative proceeding, including a probable cause conference and a hearing before an administrative law judge. In some cases, the FPPC may decide to prosecute a case by a filing a civil lawsuit in court.

Administrative Enforcement Case Resolutions

To find a resolution for a prior case:

Complaint Closure Letters - No action, advisory and warning letters Enforcement Case Results  - Stipulations, default judgements, and decisions from Administrative Law Judges Enforcement Case Summaries - Summaries of case resolutions 1980 - 2013