When to File a Complaint

First, Attempt to Resolve the Complaint Directly with Your Credit Union

Before you contact NCUA, please contact the credit union directly to attempt to correct the problem. You can do this over the phone, in person or in writing. If you believe the credit union's staff is unresponsive to your inquiry or complaint, address your concerns in writing to the president or chief executive officer of the credit union or the credit union’s supervisory committee.

If you are not able to resolve your complaint directly, determine who regulates your credit union using the links below.

  • I'm not sure if my credit union is state or federal: In this case, use the Research a Credit Union Link to search by name and look up the credit union's charter number. Federal credit unions have charter numbers under 60000 and state-chartered credit unions have charter numbers greater than 60000.
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  • Federally Chartered Credit Union: NCUA is the regulator for ALL federal credit unions. Federal credit unions generally have the word "federal" in its name. Additionally, credit unions with headquarters in Arkansas, Delaware, South Dakota, Wyoming or Washington, DC are federal credit unions.
    Contact
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  • State-Chartered Credit Union: If a credit union does not have the word "federal" as part of its name and if the credit union is not located in Arkansas, Delaware, South Dakota, Wyoming or Washington, DC then it is probably a state-chartered credit union and the state supervisory authority where the credit union's main branch is located will usually handle your complaint.
    Contact
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  • A Bank: To find out who regulates a specific bank, click the link below.
    Contact
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  • A credit reporting agency or lender other than a credit union, bank or savings and loan: Contact 

If your complaint or concern does not fall into any of the above categories you may contact the NCUA Consumer Assistance Center at 800-755-1030 for assistance.

NCUA's toll-free line is available 24/7 - consumers may leave a recorded message outside of regular business hours. You may also request assistance online. Please be sure to include your contact information, the credit union's name, the state the credit union is located in and the nature of your request.