Advocacy, Consumer Rights: Where to file complaints to get results

Where to file complaints to get results

Elaine of TSA

Posted by Elaine of TSA

on Apr 16, 2008

Contacting the White House:

http://www.usa.gov/Contact/Elected.shtml

Contacting your Congressman / Congresswoman:

https://forms.house.gov/wyr/welcome.shtml

Contacting your State Senator / Assemblyman:

http://www.senate.gov/general/contact_information/senators_cfm.cfm

http://www.state.nj.us/publicadvocate/
The Department of the Public Advocate — What It Is and How It Can Help You
What is the Department of the Public Advocate?

The New Jersey Department of the Public Advocate (Public Advocate) is a department of the state government. The Public Advocate's purpose is to keep a watch on other local and state government agencies to make sure that they are correctly serving the public. If you have experienced problems with government agencies, health care, insurance, or utilities, you can bring a complaint to the Public Advocate. The Public Advocate can also help the elderly, disabled persons, or others who may be victims of abuse or neglect.

The above info was Excerpted from Legal Services of NJ web site - http://lsnjlaw.org/english/governmentaid/publicadvocate/index.cfm

The Dept. of Banking and Insurance handles complaints related to financial institutions and insurance providers. See the following link:

http://www.state.nj.us/dobi/consumer.htm

Auto warantee woes:

Did you know that BBB has a national program to help consumers with auto warranty problems? BBB AUTO LINE is a specialized dispute resolution program that works with consumers and automobile companies to resolve warranty-related disputes. The purchase of a vehicle will be one of the largest purchases you may make, and when you have problems, the BBB AUTO LINE program is the place to go for assistance.

To begin the process, call BBB AUTO LINE to file the complaint at 1-800-955-5100 or use our website: https://odr.bbb.org/odrweb/public/complaintlink.aspx

The above info was excerpted from the following web link:

http://www.enewsbuilder.net/cbbbmilitary/e_article001066231.cfm?x=bcst3Cq,b58hJkL0

NJ Welfare - Know you Rights:

http://lsnjlaw.org/english/governmentaid/wfnj/welfarerights/index.cfm

Categories:

Advocacy

Consumer Rights

Filing Complaints

Effective Complaining

Where to file complaints

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1. Elaine of TSA posted on Apr 26, 2008

Excerpted from the online newsletter "the Everyday Cheapskate" at:

http://www.cheapskatemonthly.com/ed_cheapskate.asp

Credit Card Issuer May be in Violation of the Law

Dear Mary,
Recently I made a credit-card payment on time using online bill pay but later received a late payment fee and interest charge. I complained and it was removed, but the lady on the phone told me to pay the account five days before the due date. Why? Because they don’t "process" the payments necessarily on the day they receive them, even electronically! Where in the information are we instructed to make the payment at least five days ahead to avoid fees? Lucy K., Tennessee

Dear Lucy,
From what you tell me, it appears your creditor is in violation of The Fair Credit Billing Act of 1974 (FCBA), which regulates credit cards, also known as "open end" credit. Section 164 of the FCBA requires businesses that offer open end credit to credit all payments to your account on the date they’re received. (They may post the payment on a later date if doing so would not cause you to incur any late fees.) Creditors are permitted to set some reasonable rules for making payments, such as setting a reasonable deadline (time of day) for payment to be received to be credited on the same date. You can read the FCBA online at www.ftc.gov.http://ads.everydaycheapskate.com/ClickTrack.php?EC_EC_ID=241&EC_Ad_ID=17

http://ads.everydaycheapskate.com/ClickTrack.php?EC_EC_ID=241&EC_Ad_ID=17

If your credit card is issued by a national bank, you can file a complaint with the Comptroller of the Currency, the federal office that regulates national banks. (National banks can usually be identified because they have the words "national" or "national association" in their titles or the letters "N.A". or "NT&SA" following their titles.) See "Filing a Formal Complaint" at www.occ.treas.gov/customer.htm for instructions. If your card is not through a national bank, contact the Federal Reserve Board (www.federalreserve.gov) to make your complaint.

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