AG and CFPB Complaint Pack - District of Columbia
D.C. OAG AND CFPB CONSUMER COMPLAINT PREPARATION PACK
Complete only the route that fits the complainant, respondent, product, and requested outcome. Recheck both official pages immediately before submission because portal fields and agency scope can change.
1. Route Selection
| Question | D.C. OAG Consumer and Tenant Response | CFPB |
|---|---|---|
| Current scope | Consumer or tenant complaint where the consumer is a D.C. resident or the business or landlord is located or headquartered in D.C. | Complaint about a currently listed financial product or service |
| Current function | Free mediation assistance; no individual legal representation | Routes the complaint to the company or, when another agency is better able to assist, to that agency |
| Preferred submission | Online complaint portal | Online complaint portal; current page also lists a telephone route |
| Expected result | No outcome is guaranteed | Most companies generally respond in 15 days; some in-progress responses become final within 60 days |
| Use this worksheet? | ☐ Yes ☐ No | ☐ Yes ☐ No |
Reason for selected route(s): [________________________________]
Other regulator, court, contract, appeal, dispute, or emergency route to preserve: [________________________________]
2. Deadline and Rights Gate
☐ A regulator complaint has not been assumed to pause or extend any limitations, notice, appeal, dispute, chargeback, foreclosure, eviction, repossession, credit-report, arbitration, or court deadline.
☐ Counsel or another qualified reviewer checked all private-claim and defense deadlines on [DATE] using current official authority.
☐ Any urgent safety, housing, utility, fraud, identity-theft, foreclosure, repossession, or court issue has been routed for immediate help rather than left to ordinary complaint processing.
☐ The submission requests only outcomes the complainant actually wants and does not state that the agency must investigate, subpoena, prosecute, impose a penalty, or obtain a specific recovery.
3. Shared Complaint Record
| Field | Entry |
|---|---|
| Complainant full name | [________________________________] |
| Address | [________________________________] |
| Telephone / email | [________________________________] |
| Preferred contact method | [________________________________] |
| Respondent legal and trade names | [________________________________] |
| Respondent address / website / telephone | [________________________________] |
| Product, service, property, or account | [________________________________] |
| Account / reference number (redact unnecessary digits) | [________________________________] |
| Transaction or tenancy dates | [________________________________] |
| Amount paid, charged, withheld, or disputed | $[________________________________] |
| Current status and next known deadline | [________________________________] |
| Prior contact with respondent | [________________________________] |
| Requested practical outcome | [________________________________] |
4. Chronology
| Date / time | Person or system | Event or exact statement | Amount / effect | Supporting exhibit |
|---|---|---|---|---|
| [__/__/____] | [____] | [________________________________] | [____] | [____] |
| [__/__/____] | [____] | [________________________________] | [____] | [____] |
| [__/__/____] | [____] | [________________________________] | [____] | [____] |
| [__/__/____] | [____] | [________________________________] | [____] | [____] |
5. Evidence and Redaction Review
| Exhibit | Description | Date | Supports which fact? | Redaction / upload status |
|---|---|---|---|---|
| A | [________________________________] | [__/__/____] | [________________________________] | [____] |
| B | [________________________________] | [__/__/____] | [________________________________] | [____] |
| C | [________________________________] | [__/__/____] | [________________________________] | [____] |
| D | [________________________________] | [__/__/____] | [________________________________] | [____] |
☐ Preserve originals and submit copies.
☐ Remove unnecessary Social Security, tax, full account, password, access-code, medical, minor, and unrelated third-party information.
☐ For CFPB, the supporting-document set is no more than the current 50-page limit stated on the complaint page.
☐ The complainant understands what information the selected agency will share with the company or other agencies and has reviewed the current data-use choices on the portal.
6. D.C. OAG CONSUMER AND TENANT RESPONSE WORKSHEET
A. Eligibility
☐ Complainant is a D.C. resident.
☐ Business or landlord is located or headquartered in D.C.
Eligibility facts: [________________________________]
B. Current Submission Routes
- Official information page: https://oag.dc.gov/consumer-protection/submit-consumer-complaint
- Preferred online portal linked from that page: [RECHECK CURRENT LINK AT SUBMISSION]
- Consumer and Tenant Response Hotline listed on the current page: 202-442-9828
- Consumer-protection email listed on the current page: [email protected]
Selected route: ☐ Online portal ☐ Hotline ☐ Email ☐ Other current OAG instruction: [____]
C. Narrative
Who was involved?
[________________________________]
What happened, in date order?
[________________________________]
What did the complainant ask the business or landlord to do, and how did it respond?
[________________________________]
What practical resolution does the complainant request through mediation?
[________________________________]
D. OAG Submission Record
| Item | Entry |
|---|---|
| Submitted on / by | [________________________________] |
| Portal confirmation / ticket | [________________________________] |
| Assigned contact | [________________________________] |
| Next follow-up date | [__/__/____] |
| Response or disposition | [________________________________] |
7. CFPB COMPLAINT WORKSHEET
A. Product or Service Screen
The current CFPB page lists complaints about:
☐ Checking or savings account
☐ Credit card
☐ Credit report or other personal consumer report
☐ Debt collection
☐ Debt or credit management
☐ Money transfer, virtual currency, or money service
☐ Mortgage
☐ Payday loan
☐ Personal installment, advance, or title loan
☐ Prepaid card
☐ Student loan
☐ Vehicle loan or lease
☐ Other product currently shown on the official portal: [________________________________]
☐ If the complaint concerns inaccurate or incomplete consumer-report information: the consumer first disputed the information directly with the credit or consumer reporting agency, as the current CFPB page instructs. Date / proof: [________________________________]
B. Current Submission Routes
- Online complaint page: https://www.consumerfinance.gov/complaint/
- Consumer telephone listed on the current page: 855-411-2372
- TTY/TDD listed on the current page: 855-729-2372
Selected route: ☐ Online portal ☐ Telephone ☐ Complaint forwarded by another agency
C. CFPB Intake Fields
| Field | Entry |
|---|---|
| Product / service | [________________________________] |
| Issue / sub-issue from current menu | [________________________________] |
| Company selected or contact supplied | [________________________________] |
| Prior attempt to resolve | [________________________________] |
| Desired resolution | [________________________________] |
| Submitting for self or another consumer | [________________________________] |
| Written authorization attached if needed | [________________________________] |
D. Key Facts in the Consumer's Own Words
Write a clear, concise account containing only the most important dates, amounts, and communications:
[________________________________]
[________________________________]
[________________________________]
E. CFPB Submission and Response Record
| Stage | Date / entry |
|---|---|
| Complaint submitted | [________________________________] |
| Confirmation number | [________________________________] |
| Routed to company / other agency | [________________________________] |
| Company response | [________________________________] |
| In-progress response, if any | [________________________________] |
| Final response | [________________________________] |
| Consumer feedback due / submitted | [________________________________] |
The current CFPB page says companies generally respond in 15 days, some final responses arrive within 60 days after an in-progress response, and consumers have 60 days after the company response to provide feedback. These are process statements, not guaranteed individual outcomes.
8. Follow-Up and Escalation Log
| Date | Agency / company / adviser | Contact and event | Next step | Deadline / owner |
|---|---|---|---|---|
| [__/__/____] | [____] | [________________________________] | [________________________________] | [____] |
| [__/__/____] | [____] | [________________________________] | [________________________________] | [____] |
| [__/__/____] | [____] | [________________________________] | [________________________________] | [____] |
☐ Save every confirmation, upload, email, response, and status screenshot.
☐ Recheck private deadlines independently at each follow-up.
☐ Escalate to qualified counsel if the response introduces a release, settlement, arbitration, litigation, collection, foreclosure, eviction, repossession, credit-report, bankruptcy, or limitations issue.
SOURCES AND REFERENCES
- D.C. OAG — Submit a Consumer or Tenant Complaint
- CFPB — Submit a Complaint About a Financial Product or Service
This worksheet prepares facts for current agency intake. It does not determine the governing law, prove a violation, calculate damages, preserve a deadline, or substitute for legal representation.
About This Template
Consumer protection law gives buyers, borrowers, and renters rights against unfair, deceptive, or abusive business practices. Federal and state laws cover debt collection, credit reporting, product warranties, lemon cars, and more, and most of them have strict deadlines to preserve your rights. A well-drafted demand or complaint puts the business on notice, triggers their legal obligations, and often resolves the issue without a lawsuit.
Important Notice
This template is provided for informational purposes. It is not legal advice. We recommend having an attorney review any legal document before signing, especially for high-value or complex matters.
Checked against the law it cites
A reviewer verified this template's legal citations against the official source on 2026-08-17.
D.C. Code § 28-3814(d)(4)(A) (checked 2026-08-16): "Making in excess of 4 phone calls per account, inclusive of all phone numbers the debt collector has for the consumer, in any 7-day period; except, that the limit does not apply to specified consumer-initiated calls, requested return calls, calls without a connection or ability to leave a message, or wrong-number calls. After a completed collector-consumer call, the collector may not call back for 7 days unless the consumer requests it."
D.C. OAG Consumer and Tenant Response complaint page (checked 2026-08-17): "Consumer and Tenant Response mediates complaints when the consumer is a D.C. resident or the business or landlord is located or headquartered in the District. The service is free, helps the consumer contact the business and work toward resolution without court, and does not provide individual legal representation. The preferred submission method is the online complaint portal; the page also lists the hotline and consumer-protection email."
CFPB complaint intake page (checked 2026-08-17): "CFPB accepts complaints about the listed financial products and services, including accounts, credit cards, consumer reports, debt collection, mortgages, loans, money transfers, prepaid cards, and vehicle finance. The page instructs a person complaining about inaccurate or incomplete consumer-report information to dispute it directly with the reporting agency first."
CFPB complaint preparation and process (checked 2026-08-17): "CFPB asks for concise key facts, important dates, amounts, communications, supporting documents up to 50 pages, company information, and consumer contact information. It routes the complaint to the company or another agency; companies generally respond in 15 days and may provide a final response in 60 days, and the consumer has 60 days to give feedback after the response."
Last updated: 2026-08-17
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