Banks and financial companies rely on customers not knowing where to complain or who has the authority to act. These are the official bodies with real enforcement power — not customer service departments. Every one of them is free to use, and most have the power to force a company to put things right.
Financial Ombudsman Service (UK)
financial-ombudsman.org.ukWhat: Free, independent service that resolves disputes between consumers and financial firms — banks, insurers, lenders, investment firms.
When to use: After complaining directly to the company and getting no resolution or a final response you disagree with. They can award up to £415,000.
CFPB — Consumer Financial Protection Bureau (US)
consumerfinance.gov/complaintWhat: US federal agency that accepts complaints against banks, lenders, credit card companies, debt collectors and more.
When to use: When a US financial company has treated you unfairly or violated consumer protection law. Companies are required to respond.
Action Fraud (UK)
actionfraud.police.ukWhat: The UK's national reporting centre for fraud and cybercrime. Reports go to the National Fraud Intelligence Bureau.
When to use: When you've been a victim of financial fraud, scam calls, or online fraud. Keep your crime reference number.
FTC Report Fraud (US)
reportfraud.ftc.govWhat: Official US government portal to report fraud, scams and bad business practices.
When to use: Any consumer fraud in the US — fake products, subscription traps, identity theft, impersonation scams.
FCA Register (UK)
register.fca.org.ukWhat: Check if a financial firm or individual is authorized and regulated by the Financial Conduct Authority.
When to use: Before sending money to any financial firm, investment platform, or adviser. If they're not on this list, do not use them.
Free Credit Reports (UK)
experian.co.uk · equifax.co.uk · transunion.co.ukWhat: All three credit reference agencies offer a free statutory credit report. It shows your full credit history and any errors.
When to use: Annually, and immediately if you suspect identity theft or an unexplained credit application.