The Idaho Department of Finance accepts complaints on behalf of its three regulatory bureaus - the Consumer Finance Bureau, the Securities Bureau, and the Financial Institutions Bureau -which enforce the statutes under the Department’s jurisdiction.
The Department encourages consumers to attempt to resolve all complaints directly with the individual or company involved. However, the Department invites written complaints, together with supporting documentation, that involve alleged violations of the laws and rules administered by the Department.
The complaint services offered by the Department rely largely on the cooperation of both parties to a dispute. Often, complaints are resolved through this process. However, as determined solely by the Department, complaints may lead to civil or administrative enforcement actions under the laws administered by the Department.
Idaho Public Records Law
Your complaint will become a part of the Department’s file concerning the business or person identified, and may assist the Department in determining the need for further action in the public interest. Your written complaint may be a public record and therefore subject to disclosure under Idaho’s Public Records Law.
|Provider type||Select method|
|Bank/Credit Union||PDF · Online|
|Collection Agency||PDF · Online|
|Consumer and Title Lender||PDF · Online|
|Payday Lender||PDF · Online|
|Loan Originator||PDF · Online|
|Mortgage Broker/Lender||PDF · Online|
Collection Agency Tips
If you want a collection agency to stop calling you at work or home, send a letter to the collection agency. A telephone call is insufficient. Send a letter return receipt requested and keep a copy for yourself. Once the agency receives the letter, continued phone calls are prohibited.
A collection agency can call between 8:00 am and 9:00 pm in your time zone including weekends. If this is inconvenient, write the collection agency and indicate which times you may be called.
Keep copies of all letters you send to a collection agency and make notes of your calls. Get the full name of the person you speak to.
You do not have a right to make partial payments unless the collection agency agrees. Put all payment arrangements in writing.