How to File a Complaint

How to File a Complaint
The Wyoming Division of Banking investigates consumer complaints when they involve state-chartered financial institutions and businesses that extend credit to consumers.  The Division of Banking investigates consumer complaints in those instances where there is evidence of possible violations of laws or regulations.  The Division is not empowered to intervene in private disputes or to represent individuals seeking personal remedies not involving state banking or consumer credit law.

Wyoming State-Chartered Banks or Trust Companies - Citizens who have concerns or complaints with Wyoming-chartered banks or trust companies may contact the Wyoming Division of Banking. (For banks chartered by other states but operating in Wyoming, you may contact the Wyoming Division of Banking for assistance in filing your complaint.)

Before filing a written complaint, you should communicate directly with the financial institution.  If you are unable to resolve the problem, you may:

  • Write a letter describing the problem.
  • State your attempts to resolve the problem directly with the institution.
  • State what you think the institution should do to correct the problem.
  • Include copies (not your originals) of pertinent documentations to substantiate your complaint.
  • Include your mailing address and a daytime telephone number.

See bottom of page to download complaint form.

Send this information to:

Wyoming Division of Banking
Herschler Building, 3rd Floor East
122 West 25th Street
Cheyenne, WY 82002

Telephone: (307) 777-7797
Fax: (307) 777-3555

Or, you can send your complaint via e-mail to:

In the course of our investigation the Division reviews Wyoming laws and regulations.  We also contact the financial institution that is referred to in your complaint and ask that they mail a response to our office regarding the concerns you express in your letter.  We will mail our written response to you after our investigation is completed, but generally within three weeks of receiving your complaint.  

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Federal Deposit Insurance Corporation

The FDIC has a web page that lists resource materials that may be helpful to you in resolving a complaint or obtaining an answer to a question at

Website to access online customer complaint form:

Alternatively, you may mail or fax your request to:

Federal Deposit Insurance Corporation
Consumer Response Center
1100 Walnut St., Box #11
Kansas City, MO 64106

Telephone: 877-275-3342
Fax: (703) 812-1020 

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Federal Reserve System

If you have a complaint about a bank or other financial institution, the Federal Reserve System might be able to help you.  The Federal Reserve is responsible for carrying out many of the federal laws that protect consumers in their dealings with financial institutions.  They have a web page that discusses how to file a consumer complaint about a bank. 

Alternatively, you may contact the help line at: 

Federal Reserve Consumer Help
P.O. Box 1200
Minneapolis, MN 55480

Telephone: 888-851-1920
Fax: 877-888-2520

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Wyoming National Banks, Federal Savings Banks or Credit Unions

Citizens who have concerns or complaints with national banks, federal savings banks or credit unions located or operating in the State of Wyoming may contact the financial institution's federal regulator listed below.  If the name of the financial institution contains "N.A.," "National," "FSB," "f.s.b.," or "FCU," it is likely a federally chartered financial institution. 

National Banks (N.A., National), Federal Savings Banks:

Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010

Website to access online customer complaint form:

Telephone: (800) 613-6743
Fax: (713) 336-4301

Credit Unions (FCU):

National Credit Union Administration  
Office of Consumer Protection
1775 Duke Street
Alexandria, VA 22314

Website to access online customer complaint form:

Telephone: 800-755-1030
Fax: (703) 302-6024


National Credit Union Administration
Region 4 – Austin
4807 Spicewood Springs Rd., Suite 5200
Austin, TX 78759-8490

Telephone: (512) 342-5600
Fax: (512) 342-5620

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Non-Depository Financial Services  


Money Transmitters
Mortgage Lenders and Brokers
Non-Lender Creditors
Post-dated Check Cashers
Pawn Brokers
Sales Finance Companies
Supervised Lender

If you have experienced problems with a business which provides consumer credit and cannot resolve the problem directly with the business, you may file a written complaint with our office.  You may print out a copy of the complaint form (see bottom of page to download form) or contact the Division of Banking and a form will be mailed to you.  After completing the form, please mail it to: 

Wyoming Division of Banking
Uniform Consumer Credit Code
Herschler Building, 3rd Floor East
122 West 25th Street
Cheyenne, WY 82002

Telephone number: (307) 777-7797

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Collection Agency 

If you have reason to believe that a Collection Agency has violated Wyoming law or regulations, you should review the following procedures and determine if a complaint should be filed with the Collection Agency Board.  Your complaint should provide a specific and detailed summary of the alleged violations of the statutes or rules and should include supporting documentation.  

Wyoming Statute 33-11-101 through 33-11-116, and the Rules and Regulations of the Collection Agency Board govern collection agencies licensed to conduct business in Wyoming (licensees) and are administered by the Wyoming Collection Agency Board.

The Board members, Division of Banking staff, and legal representatives cannot act as your attorney or provide legal advice or legal services, advise you of your rights in a given situation, or provide any other service that may constitute the practice of law.  

If you have knowledge that someone is carrying on the business of a collection agency without having obtained a license, you may notify the Collection Agency Board but may not file a complaint because complaints may only be filed against licensees.  

Procedures for filing a complaint
Complete the complaint form.  The form can be downloaded at the bottom of this page.  The form must be notarized.

The receipt of your complaint will be acknowledged by Division of Banking staff.  Your complaint will be reviewed by the Board where they will determine if they have jurisdiction and if the complaint warrants further investigation.  If both of these conditions are met, the Board Chairman will assign the complaint to an independent investigator who will investigate the matter.  The licensee will be advised the nature of the complaint.  A copy of the complaint will be provided to the licensee and they will be given the opportunity to respond to the allegations therein.  The Board may ultimately dismiss the complaint or hold a contested case hearing.  The complainant and the licensee will be advised of any action taken by the Board.

Send complaints to:

Wyoming Collection Agency Board
Department of Audit, Division of Banking
Herschler Building, 3rd Floor East
122 W. 25th Street
Cheyenne, WY 82002

Or, you can send your complaint via e-mail to:

How do I file a complaint against a collection agency from another state? 

Call our office and we will check our records to see if there is a licensing board or office in the state you need to contact.  If there is no licensing board or office, you can contact the Federal Trade Commission.  Their consumer hotline telephone number is (800) 382-4357. Their mailing address is Federal Trade Commission, Attn: Room 130, 600 Pennsylvania Avenue, NW, Washington, DC, 20580.  You can also obtain further information on their Internet website:

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Amanda Ortega,
Mar 7, 2014, 8:17 AM
Amanda Ortega,
Aug 9, 2013, 9:04 AM
Amanda Ortega,
Aug 8, 2013, 12:38 PM