When a bank wrongly charges fees, a debt collector harasses someone over a disputed bill, or a mortgage servicer fails to apply payments correctly, Americans have a formal recourse: the Consumer Financial Protection Bureau. Filing a complaint with the CFPB is not like venting on Yelp. Companies are legally required to respond within a defined window, typically 15 days. That legal muscle makes the CFPB fundamentally different from most consumer redress channels.
Financial complaint delays hit seniors and veterans hardest, with gaps widening over time
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