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Q: I feel like I have been unfairly treated by my credit card company. I want to file a complaint, but I am not sure how to do this. Where do I start?
A: The first place you might want to try is the Better Business Bureau. You can find this at www.bbb.org. Posting your complaint here may even help to get it resolved, since companies do not want to have a bad rating with the BBB. Besides dealing with the credit card company directly or going through an expensive lawsuit, this may be the only avenue that will help resolve your individual dispute.
If you want to take it further, you can file a complaint with the Attorney General of your state. While this will not help resolve your personal case, if the Attorney General receives enough complaints against a certain company, they will file a lawsuit.
In addition to these two options, you may be able to join a class action lawsuit against your credit card company. A class action lawsuit may not get you very much money, since the award is split up among so many people, but it will send a message to the company that they cannot treat their customers the way they have been treating them.
Finally, you can file a complaint with the FTC (Federal Trade Commission). The FTC is a government agency that is devoted to protecting consumers from harmful or deceptive practices. Its website can be found at business.ftc.gov. Along the top of the page, there are several options, including “file a complaint.” The FTC does not aid individual consumers, but your complaint can be used in a case against the credit card company.