Answers to Common Credit Card Problems

Do you need advice about how to manage your credit card debt? Are you looking to file a complaint about possible credit card fraud? Below are some resources you can consult.

Credit Counseling Firms

These organizations provide practical advice and easy-to-understand guides to help you understand credit. They may also help put you in touch with a certified counselor.

Consolidated Credit Counseling Services, Inc., can help you understand debt and how to manage it. It provides easy-to-follow explanations of everything from bankruptcy to homebuying to accruing credit during college.

The National Foundation for Credit Counseling offers various resources and counseling for consumers and homeowners struggling with credit card and mortgage debt. Their website DebtAdvice.org helps consumers get valuable tips and advice.

Regulators

Want to file a complaint but aren't sure where to turn? Did you know that you can report complaints to a regulator?

Federal Trade Commission deals with consumer protection and competition jurisdiction in broad sectors of the economy. The FTC's work is performed by the Bureaus of Consumer Protection, Competition and Economics.

Comptroller of the Currency Administrator of National Banks is part of the U.S. Department of Treasury. It charters, regulates and supervises all national banks.

The Board of Governors of the Federal Reserve System, also known as the Fed, is the central bank of the United States.

Consumer Groups

Consumer groups also track complaints and try to effect action. Contact one of these organizations, which are dedicated to consumer advocacy.

Consumer Action is a national nonprofit education and advocacy organization offering many free services to consumers.

The Consumer Federation of America gathers facts, analyzes issues and disseminates information to the public, policymakers and the rest of the consumer movement.

The Center for Responsible Lending is a nonprofit, nonpartisan research and policy organization dedicated to protecting homeownership and family wealth by working to eliminate abusive financial practices.

Congress

You can also write a member of Congress who has an interest in protecting consumer rights. The following are some of the members of Congress you may want to write.

Representative Carolyn B. Maloney (D-NY) introduced with Financial Services Chairman Barney Frank (D-MA) the Credit Cardholder's Bill of Rights. Her website also offers a list of suggested actions consumers can try before they file an official complaint.

Senator Robert Menendez (D-NJ) has worked to protect consumers from identity theft and homeowners fighting mortgage fraud.

Senator Chris Dodd (D-CT) is Chairman of the Senate Committee on Bank, Housing and Urban Affairs.

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