At times we find ourselves in a difficult situation involving our bank, a large business, etc. and don’t know what to do. Calling customer service hasn’t led to any real results so you may be asking yourself what to do next?

Below you will find a number of institutions both governmental and private that specialize in helping you to file a complaint. These institutions are similar to leaving a review on Google or Yelp except they work resolve the issue. As such, they are not places for a person to rant and rave about how terrible the service at a restaurant was, but rather to help a person that was a victim of a shady business, or to get help when a financial institution (like a bank) has mistreated someone. They are not law enforcement agencies imposing a punishment onto these businesses, but rather helping to add authority to your complaint. If your issue cannot be solved after submitting a complaint through one or more of these resources, it is recommended to seek legal help from a private attorney.

Review the document below for links to the agencies that may be able to help if you submit a complaint. These agencies include: 

1. Consumer Financial Protection Bureau

2. Help with my Bank

3. Federal Trade Commission Complaint

4. Idaho Attorney General Consumer Protection Complaint

5. Better Business Bureau Complaint

Your home is likely your most valuable asset, and you have an interest in maintaining ownership, protecting your equity and preserving your credit rating. This manual describes how you can better protect yourself from scams and deceptive business practices aimed at homeowners. Mortgage fraud, foreclosure rescue schemes and other deceptive practices have invaded our state, offering empty promises and stealing the dream of home ownership. Both Idaho and federal law offer some protections against mortgage fraud. Some of these laws are discussed in this manual. However, prevention is the best remedy for combating fraud, and you can best protect yourself by understanding your rights and obligations as a homeowner.

Utah State University has devleoped a PowerPay Tool: Helping Debtors Become Savers which guides people through the process of paying off and eliminating debt and saving.

PowerPay helps you develop a personalized, self-directed debt elimination plan. Discover how quickly you can become debt free and how much you can save in interest costs by following your debt reduction plan. Utah State University Extension is pleased to provide this debt management tool without any cost to consumers worldwide.

To use the PowerPay Tool, please visit Utah State University's website here: https://extension.usu.edu/powerpay/.

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