If you have a complaint against a company or bank that is not regulated by our office, NCCOB will assist you with locating the appropriate regulator.
What should I do if I have a problem with a company regulated by NCCOB?
First, contact the company and make a good-faith effort to settle the dispute. Depending on the problem and
the company, you may need to speak to more than one person - try to be patient and fair. If your contact is
by telephone, keep a record of the date(s) and time(s) of your calls. Try to get the name and telephone
number of the person with whom you speak. If you write, whether by letter or email, keep copies and the
originals of any documents you send.
What information should I include when I file a complaint?
If you can't resolve the issue, you may contact NCCOB or file a complaint with our office.
Complete all requested information on the Complaint Form, if possible.
Explain the problem in your own words, but try to be brief.
Please be sure to include any account or loan numbers.
Send copies of any papers, documents or letters you think will help us understand your complaint.
Do not send original checks, statements or other documents.
You may forward additional documents to our office via fax at: 919-733-6918.
How can NCCOB help?
We will review your complaint and forward it to the company for a response. Once the response is received,
it will be reviewed by our staff for any violations of applicable laws or regulations and a copy will be
forwarded to you. For complaints processed by our agency against regulated entities, we will:
Will NCCOB always be able to resolve my problem?
- review and evaluate your complaint and gather necessary facts and documents
- receive and evaluate the company's explanation
- provide you with a copy of the company's response
- recommend you consult a qualified attorney regarding the possibility of legal action if you are not
satisfied with the company’s response (see below for referral information)
No. Although NCCOB facilitates communication between you and the regulated entity, we cannot guarantee
results. Some complaints result from honest disputes over what was said or done by you or a company
representative. Unless we find that a company has violated a law or regulation, we cannot force the
company to take a particular action. Also, some complaints result from a company's internal business
policies, which may not be governed by state or federal laws or regulations. If you are not satisfied with the
company’s response, you are free to pursue other remedies, including consultation with an attorney.
Can NCCOB provide legal advice or represent me in a case against a regulated entity?
NCCOB can help facilitate communication between you and the regulated entity; however, we cannot
provide legal advice or legal representation.
Can you find an attorney to represent me?
NCCOB cannot recommend individual attorneys. For a free referral, contact the North Carolina Bar
Association's Lawyer Referral Service (1-800-662-7660 or 919-677-8574).
I am facing foreclosure. Can the NCCOB stop or postpone a foreclosure? Where can I find more information?
The NCCOB has no jurisdiction over foreclosure and therefore, cannot stop or postpone a foreclosure.
You may wish to consult with an attorney. The North Carolina Housing Finance Agency (NCHFA) runs the
State Home Foreclosure Prevention Project and may be able to provide assistance to homeowners
who are struggling with their mortgage. Do not hesitate to ask for help.
How do I know that my money in my bank is safe?
All banks regulated by NCCOB are insured by the FDIC. For more information, please visit
Is My Money Safe?
Can banks charge a fee for cashing a check that is written on that particular Bank?
Yes, banks may charge fees for services rendered to non-depositors.
Where can I find more general information about buying a home?
Go to the North Carolina Housing Finance Agency
or Consumer Financial Protection Bureau
links to access information about buying a home.
Does NCCOB regulate Debt Adjusters?
No, but pursuant to NCGS 14-426(7)g,
NCCOB approves accrediting organizations that are independent and nationally recognized for providing accreditation to organizations that provide credit counseling
and debt management services. The NC Department of Justice provides
helpful advice and complaint assistance.
The following organizations have been approved by NCCOB:
How do I contact NCCOB?
Call NCCOB at 919-733-3016 or visit
Consumer Inquiries and Complaint Information.