File a Complaint
The Department of Business Oversight (DBO) encourages financial services consumers to submit complaints if they believe a DBO licensee has violated state law or acted improperly, or if they believe a company or person is conducting unlicensed activity that falls within the DBO's jurisdiction.
You should always file your complaint with the DBO, regardless of whether you are trying to resolve your dispute through another forum. The DBO relies on complaints to help us protect consumers, borrowers and investors, and obtain redress for them when they're victimized by unlawful, unfair or fraudulent business practices.
The DBO evaluates and reviews complaints and takes appropriate action when it finds violations of the laws and regulations we administer. Enforcement actions may include administrative orders to: stop violations of laws; deny, suspend or revoke licenses; take possession of licensees; suspend or bar individuals from participating in a regulated industry; and levy penalties. The DBO also can file civil actions to stop violations of the laws, appoint receivers over companies, and obtain restitution for consumers and penalties against violators.
If the DBO does not have jurisdiction over the matter, we will help direct you to the proper regulatory or law enforcement agency.
Submit Your Complaint
|If your complaint is regarding one of the following:|
|Business and Industrial Development Corporations (BIDCO)|
|Foreign (Other Nation) Banks|
|Foreign (Other State) Banks|
|Local Agency Security Program (LASP)|
|Premium Finance Companies|
|Trust Companies and Departments|
|California Finance Lenders|
|California Residential Mortgage Lenders|
|Capital Access Companies|
|Check Sellers, Bill Payers and Proraters|
|Deferred Deposit Transactions (Commonly known as Payday Loans)|
|Escrow Agents/ Escrow Laws|
|Mortgage Loan Originators|
|Securities Broker Dealers|
(Note: Companies and individuals licensed under the California Residential Mortgage Lending Act, California Finance Lenders that make residential loans, and Mortgage Loan Originators will continue to use the Nationwide Mortgage Licensing System (NMLS).)
File a Complaint by Mail
Department of Business Oversight
Attn: Consumer Services
1515 K Street, Suite 200
Sacramento, CA 95814
The Department will provide a letter or email acknowledging receipt of your complaint and a description of the next steps in the complaint process.
If you need assistance with the complaint form, please call 1-866-275-2677.
Important Information on DBO's Legal Authority
- We facilitate communication between consumers and financial institutions, but we do not act as an advocate for either party.
- We do not have the statutory authority to award damages, overturn fines or other charges, etc.
- We do not act as a court of law or as a lawyer on your behalf.
- We cannot provide legal advice.
- We do not become involved in complaints that are in litigation or have been litigated.
- We do not resolve factual disputes or disagreements over the interpretation of contracts.
If the circumstances of your complaint make it advisable to consult an attorney, the California Courts Free & Low-Cost Legal Help website provides information you may find useful.