Credit and Debt Complaint Form WHY FILE A COMPLAINT? Every complaint we receive gives us insights into problems that people are experiencing in Colorado and helps us identify trends and prioritize problems. Information from the public is vital in helping us document those trends and, when appropriate, pursue investigations and file lawsuits on behalf of the public. Please note: The Attorney General does not have authority to provide legal advice or legal representation to individuals or prosecute your individual case. Type of ComplaintPlease select the option that best fits your complaintDebt Collection CompanyDebt Management CompanyLoan or Credit Sale (ex. finance companies, payday lenders, and second mortgage companies)Student Loan ServicerPlease select the type of Debt Collection issue you are reportingAttempting to collect debt not owedContacted or threatened to contact unauthorized 3rd partyCommunication tacticsFalse statement or representationTook or threatened to take negative or legal actionWritten notification about debtWrongful credit reportingOtherWARNING: A sharp increase in complaints concerning debt collection scams, particularly those impersonating law enforcement or government agencies, has the Colorado Attorney General warning consumers to be cautious of threatening phone calls and emails from fraudulent debt collectors. While debt collection scams have been prevalent in recent years, the most current schemes often use personally identifiable information, including the last four digits or even full Social Security Numbers. For more information about these scams, please visit the Attorney General's Stop Fraud initiative to learn more about creditor scams and to learn more about phantom debt collection and other scams. To find out if a debt collection agency is licensed in the state, please click here. Please select the type of Debt Management issue you are reportingACH problemsCommunication tacticsLack of disclosuresPaid with no serviceOtherPlease select the type of Loan or Credit Sale you are reportingConsumer LoansCredit or Prepaid CardCredit Union or BankMortgage Servicer or LenderRent to OwnVehicle Loan or LeaseOtherWARNING: Colorado consumers should be cautious when seeking loans from companies seen advertised on TV or online. These companies may be owned or affiliated with federally recognized Indian Tribes, which are not licensed or regulated by the Department. While some of these advertisements or web sites do include notice of Tribal affiliation, this is not always the case. Colorado has found instances in which these companies have charged significantly more than the legal interest rate in Colorado and executed wage garnishments without a court order To find out if a lender is licensed in the state, please click here. NOTICE: The UCCC does not apply to first mortgage residential acquisition and refinance loans except for its sections on disclosures of the cost of credit, certain consumer remedies, and administrative powers. Accordingly, our jurisdiction on first mortgage loans is generally limited to truth in lending disclosure compliance and the consumer's rights to rescind on a refinance loan. Additionally, our jurisdiction on second mortgages is limited to mortgages with an interest rate of 12% or higher. A better resource for these types of transactions is the Consumer Financial Protection BureauNOTICE: New and used auto purchases handled through a dealer are regulated by the Colorado Department of Revenue – Auto Industry Enforcement Division. Consumers with questions or concerns regarding their auto purchase should contact the Auto Industry Enforcement Division. For more information, please contact the Colorado Department of Revenue – Auto Industry Enforcement Division. Please select the type of Consumer Loan issue you are reportingCharged Fees or interest you didn't expectGetting the loanProblems with the payoff process at the end of the loanProblems when making paymentsProblems with additional add-on products or servicesProblems with credit report or credit scoreStruggling to pay your loanOtherNotice: Please note our office has limited jurisdiction for banks and credit unions. As a result, you may wish to contact the below agencies as these agencies may be able to better assist you: Colorado based Credit Unions: Colorado Department of Regulatory Agencies: Division of Financial Services. The Division can be contacted at: https://financialservices.colorado.gov/ or; by calling 303-894-2336. National Credit Unions: National Credit Union Administration ("NCUA"). The NCUA can be contacted at: https://www.ncua.gov/consumers or; by calling 1-800-755-1030. Colorado based Banks: Colorado Department of Regulatory Agencies: Division of Banking. The Division can be contacted at: https://banking.colorado.gov/ or; by calling 303-894-7575. National Banks: Office of the Comptroller of the Currency ("OCC"). The OCC can be contacted at: https://www.helpwithmybank.gov/index.html or; by calling 1-800-613-6743. Please select the type of Credit Union or Bank issue you are reportingCredit denialCollection IssuesFeesID theftOtherPlease select the type of Credit or Prepaid Card issue you are reportingCredit denialCredit card surchargesFraudulent activityID theftOtherPlease select the type of Mortgage Servicer or Lender issue you are reportingApplying for a mortgage or refinancing existing creditClosing on a mortgageProblem with credit report or credit scoreStruggling to pay mortgageTrouble during payment processOtherPlease select the type of Rent to Own issue you are reportingCharged fees or interest you didn't expectGetting the loanProblems with additional add-on products or servicesProblem when making paymentsProblem with credit report or credit scoreProblem with payoff process at the end of the loanStruggling to pay your loanOtherPlease select the type of Vehicle Loan or Lease issue you are reportingCharged fees or interest you didn't expectGetting a loan or leaseManaging a loan or leaseProblems with additional add-on products or servicesProblems at the end of the loan or leaseProblems with credit report or credit scoreStruggling to pay your loanOtherPlease select the type of your Student LoanFederal Student Loan (Stafford, Direct Subsidized, Direct Unsubsidized, Direct Loan Consolidation, PLUS, Federal Family Education Loan FFEL, Perkins)Private Student Loan (Private, Alternative, or Co-signed Loans; Federal Loans refinanced with a private lender; other Student LoansBothDon't knowWhere were you attending school when you got the loan? Does your complaint concern Public Service Loan Forgiveness (PSLF)YesNoHave you made payments toward the 120 payment requirement to qualify for PSLF?YesNoDon't KnowOther than an In-School Deferment or Grace Period, have your loans ever been in deferment, forbearance or default?YesNo Complaint NarrativePlease present the facts in the order in which they occurred and be as concise as possible, providing dates and full names of those you dealt with during your transaction. About the CompanyName of Person you talked to Business Name Address Street Address Address Line 2 City AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code PhoneWebsite Email About YouName First Last Address Street Address Address Line 2 City State / Province / Region ZIP / Postal Code AfghanistanAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBoliviaBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBrunei DarussalamBulgariaBurkina FasoBurundiCambodiaCameroonCanadaCape VerdeCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos IslandsColombiaComorosCongo, Democratic Republic of theCongo, Republic of theCook IslandsCosta RicaCroatiaCubaCuraçaoCyprusCzech RepublicCôte d'IvoireDenmarkDjiboutiDominicaDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatini (Swaziland)EthiopiaFalkland IslandsFaroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuamGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard and McDonald IslandsHoly SeeHondurasHong KongHungaryIcelandIndiaIndonesiaIranIraqIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKuwaitKyrgyzstanLao People's Democratic RepublicLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMacauMacedoniaMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorth KoreaNorthern Mariana IslandsNorwayOmanPakistanPalauPalestine, State ofPanamaPapua New GuineaParaguayPeruPhilippinesPitcairnPolandPortugalPuerto RicoQatarRomaniaRussiaRwandaRéunionSaint BarthélemySaint HelenaSaint Kitts and NevisSaint LuciaSaint MartinSaint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint MaartenSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth GeorgiaSouth KoreaSouth SudanSpainSri LankaSudanSurinameSvalbard and Jan Mayen IslandsSwedenSwitzerlandSyriaTaiwanTajikistanTanzaniaThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTurks and Caicos IslandsTuvaluUS Minor Outlying IslandsUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUruguayUzbekistanVanuatuVenezuelaVietnamVirgin Islands, BritishVirgin Islands, U.S.Wallis and FutunaWestern SaharaYemenZambiaZimbabweÅland Islands Country Your Email PhonePlease upload any relevant documentsIn order to ensure a timely investigation of your complaint, please include a copy of your loan agreement or contract or other applicable documents along with any and all correspondence you had with the business. DO NOT SEND ORIGINAL DOCUMENTATION.Max. file size: 128 MB. If you would like a copy of your complaint, please use the print feature listed below. Please note that you may not be able to receive a copy of your complaint after submission. Print Your Complaint Acknowledgment By submitting this complaint electronically, I hereby certify I am the above listed individual and authorize the above listed business and/or its agents to discuss the details of my complaint with representatives of the Colorado Attorney General's Office. I verify I have read the preceding information and it is true to the best of my knowledge.Consent for Information Release*The Privacy Act of 1974, 5 U.S.C. §552a (“the Act”), is a Federal law designed to protect you from unauthorized use and exchange of personal information by Federal agencies and their contractors. Subject to limited exceptions set forth in the Act, Federal agencies and their contractors cannot release information about you to anyone without your written consent. By submitting this complaint electronically about a federal student loan, I authorize the servicer named in my complaint to release orally, in writing or electronically to the Office of the Attorney General, Colorado Department of Law (the “Attorney General”), information about my federal student loan placed by the United States Department of Education with my servicer as necessary to resolve the Complaint/Inquiry filed with the Attorney General. I agree to have my information releasedCAPTCHAPhoneThis field is for validation purposes and should be left unchanged.