How do I file a complaint against a company for not refunding me?
Contact the Company First
Before filing a complaint, reach out to the company's customer service. Clearly state the issue and what you want (a refund, replacement, etc.). Keep a record of all communications, including dates, names, and what was said.
If the first person can't help, ask for a supervisor. Put your request in writing (email or letter) so you have proof. Give them a reasonable deadline to respond, like 10 business days.
- Gather receipts, order confirmations, and photos.
- Note the date, time, and who you spoke with.
- Send a written request via email or certified mail.
- Set a deadline for their response.
File Complaints with Agencies
If the company won't budge, you can file complaints with government agencies. The FTC takes complaints at ReportFraud.ftc.gov, but it doesn't resolve individual cases. Your state attorney general's office or local consumer protection agency may mediate.
For online purchases, you can also file with the Better Business Bureau (BBB) or, for cross-border issues, with econsumer.gov. These organizations may contact the company on your behalf.
- Federal Trade Commission: ReportFraud.ftc.gov
- State Attorney General: find your state's office online.
- Consumer Financial Protection Bureau: for banks, credit cards, loans.
- Better Business Bureau: for mediation.
- econsumer.gov: for international transactions.
Consider Small Claims Court
If the amount is small (typically up to $5,000-$10,000, depending on state), you can sue in small claims court. You don't need a lawyer, and filing fees are usually low. The court can order the company to pay you.
Before suing, send a final demand letter. If you win, collecting can still be a challenge, but it's an option for stubborn cases.
Common mistakes
- Not documenting your attempts to resolve the issue: without proof, agencies may not help.
- Filing with the FTC expecting them to get your money back: they collect data but don't resolve individual disputes.
- Giving up too soon: persistence and escalating to agencies often works.
