We Are All Consumers
Middle and low-income consumers must navigate myriad, potentially dangerous financial products and services designed to trap them in an unending cycle of debt. Corporations and industries are constantly evolving to circumvent common sense state and federal regulations enacted to prevent unfair, deceptive and unconscionable practices such as triple-digit small loans (payday loans, title loans).
Banks, mortgage lenders, insurance companies, cryptocurrency and the financial technology era all pose additional risks and challenges for unsophisticated or desperate consumers. As the economic divide continues to widen, so do the types of financial products and services targeted specifically to financially disadvantaged individuals and families.
File a Complaint
For a consumer related complaint
Tell the CFPB you want them to write strong rules to prevent payday lenders and auto title lenders from taking advantage of vulnerable consumers. Submit your comment to CFPB.
File a consumer complaint against a Lender in Arizona charging document preparation fees
To file a consumer complaint against a Lender engaging in transactions with Arizona consumers, and charging document preparation fees on auto title or small loans on or after July 1, 2013, please visit the Arizona Department of Financial Institutions.
Or send mail to:
Arizona Department of Financial Institutions
2910 N. 44th Street, Suite 310
Phoenix, AZ 85018
File a consumer complaint with the AZ State Attorney General
Online: Consumer Information and Complaints
By email: firstname.lastname@example.org
(602) 542-5763 (Phoenix) / Fax (602) 542-4579
(520) 628-6504 (Tucson) /
File a consumer complaint with the Federal Trade Commission
The FTC encourages consumers to file a complaint whenever they have been the victim of fraud, identity theft, or other unfair or deceptive business practices.
For a labor related complaint
Contact the Industrial Commission of Arizona
Phone: (602) 542-4515
Fax: (602) 542-8097
Note: The Labor Department has three areas of jurisdiction: resolution of disputes involving wages; youth employment law enforcement; and the licensing of private employment agencies that charge fees to applicants.
Freeze Your Credit Files for Free
As of September 21, 2018 you have the right to ask the nationwide reporting agencies to freeze your credit files and lift the freeze, whenever you want, at no charge.
Research and Helpful Information
- “Predatory Lending’s Prey of Color“, The American Prospect, June 5 2023
- “Poverty is the 4th greatest cause of U.S. deaths“, UC Riverside, April 17 2023
- “Colorado Borrowers Describe their Experiences with Payday Loans“, CRL*, July 2018
- “CFPB Car Title Loan Research …, CRL*, May 2016. Includes links to reports and analysis
- “White Paper on Payday and Direct Deposit Loans“, CFPB**, April 2013
- “Who Borrows, Where They Borrow, and Why“, Pew Research Center, July 2012
“Don’t Borrow Trouble” help hotline
Hotline: (520) 792-3087
Toll Free: 1-888-624-4611
Four things you can do when experiencing debt collection problems
BE AWARE that older Americans are specifically targeted.