I have an inquiry or complaint about my credit card - Financial Regulation
The Office of the Commissioner of Financial Regulation ("Commissioner") does not regulate most credit card companies, or the banks that issue them. Should you have a complaint about your credit card company, we suggest that you contact the credit card company first to try to resolve the matter. If you are unable to resolve your issue, however, you may file a complaint with the credit card company and its regulator. Additional consumer resources include the Office of the Maryland Attorney General Consumer Protection Division and the Better Business Bureau. Additionally, the Consumer Financial Protection Bureau (CFPB) takes complaints through the CFPB website, and through a toll-free number 1-855-411-2372.
The only credit card issues under the direct jurisdiction of the Commissioner involve state chartered banks and state chartered credit unions that issue credit cards. Please check Institutions We Supervise for a list of state chartered banks and state chartered credit unions that the Commissioner supervises. If your bank or credit union is on that list, you may a file a complaint (directions on how to file a complaint) with the Commissioner.
Below, you will find a list of common credit cards, the banks that issue the cards, and the proper regulator to contact regarding your inquiry or complaint. If you locate the name of the credit card about which you have an inquiry or complaint, please follow the link to the primary regulator for that credit card for assistance.
| Credit Card | Bank Name | Home State | Primary Regulator |
| American Express | American Express Bank, FSB | UT | Office of the Comptroller of the Currency (OCC) |
| Bank of America | Bank of America, N.A. | NC | Office of the Comptroller of the Currency (OCC) |
| Capital One | Capital One Bank (USA), N.A. | VA | Office of the Comptroller of the Currency (OCC) |
| Citibank | Citibank, N.A. | NV | Office of the Comptroller of the Currency (OCC) |
| Chase | JP Morgan Chase Bank, N.A. | OH | Office of the Comptroller of the Currency (OCC) |
| Discover | Discover Bank | DE | Federal Deposit Insurance Corporation |
| HSBC | HSBC Bank USA, N.A. | VA | Office of the Comptroller of the Currency (OCC) |
| GE Money | GE Money Bank | UT | Office of the Comptroller of the Currency (OCC) |
| Wells Fargo | Wells Fargo Bank, N.A. | SD | Office of the Comptroller of the Currency (OCC) |
The list above is non-exhaustive. Please note that the bank that issues your credit card may change. Contact your credit card company to find the correct regulator. If you do not see your credit card in the table above, contact your credit card company directly to obtain the name and contact information of its regulator.