File a Complaint

Note:  The Department of Financial Institutions is a regulatory agency and not a consumer protection agency.  Based upon the foregoing, the Department may not have the authority to pursue the types of remedies that would provide a direct benefit to the consumer.  The Department hereby places each complainant on notice of their right to seek advice of legal counsel relating to any private causes of action that may exist as a result of the matters addressed in a complaint.  The Department does not regulate national banks or federal credit unions.  Please use the search links below to help determine who regulates the entity against which you would like to file a complaint.  If the entity is regulated by the Department, we offer two options:

Submit your complaint online

    or

Complete a fillable Complaint Form (.pdf) and return it to the Department by mail, fax, or email.  Refer to our Contact Information page for our mailing address, fax number, and email address.

How do I determine where to file a complaint?

Banks and Trust Companies

First, determine if the bank or trust company you desire to file a complaint against is state-chartered or nationally-chartered.

If the bank or trust company is a North Dakota state-chartered entity listed on our Bank Search or Trust Company Search pages, use the complaint form options at the top of the page to file a complaint with our Department.

If the bank or trust company is nationally-chartered, a complaint may be submitted to:

    Office of the Comptroller of the Currency
    Website:   https://www.helpwithmybank.gov/complaints/index-file-a-bank-complaint.html
    Phone:  (800) 613-6743

Credit Unions

First, determine if the credit union you desire to file a complaint against is state-chartered or federally-chartered.

If the credit union is a North Dakota state-chartered credit union listed on our Credit Union Search page, use the complaint form options at the top of the page to file a complaint with our Department.

If the credit union is federally-chartered, a complaint may be submitted to:

    National Credit Union Administration
    Website:   https://www.mycreditunion.gov/consumer-assistance-center/Pages/complaint-process.aspx
    Phone:  (800) 755-1030

Non-Depository Institutions

Complaints against any non-depository entity can be submitted to:

    Consumer Financial Protection Bureau
    Website:   https://www.consumerfinance.gov/complaint/
    Phone:  (855) 411-2372

 

Alternatively, use the NMLS Consumer Access portal to determine if an entity or individual is licensed in North Dakota.  If yes, use the complaint form options at the top of the page to file a complaint with our Department.

When submitting a complaint with the appropriate regulator, please provide any additional information necessary to process your complaint.  Upon receiving your complaint, the appropriate regulator will make a determination as to how to proceed with an investigation. In order to ensure both parties have the opportunity to be heard, the regulator will provide the regulated party with a copy of the complaint and allow them an opportunity to respond. The complaining party will be included within this process to the greatest extent possible. It is important that a complainant be available to provide any additional information necessary to aid in the investigation process.