Financial Institutions Complaints
The Bureau of Financial Institutions is a division within the Virginia State Corporation Commission. The Bureau has jurisdiction over Virginia state-chartered financial institutions and certain out-of-state entities that have been granted authority to do business in the Commonwealth.
It is important to remember that the Bureau does not act as your attorney and cannot give legal advice. If a complaint involves the company's internal procedures or guidelines we will try to provide you with suggestions on other ways to pursue the complaint, such as through a consultation with a private attorney and / or initiating a court proceeding.
FILING OF COMPLAINTS
If you have a complaint involving an entity or individual who is, or may be subject to regulation or supervision by the Bureau (see information below for some of the banks and credit unions we do not regulate), please submit the online complaint form.
PLEASE DO NOT INCLUDE ANY ACCOUNT NUMBERS OR OTHER PERSONAL FINANCIAL INFORMATION AS PART OF THE COMPLAINT.
If you are unable to submit a complaint online, please fill out and send this Complaint Form - PDF by mail or fax.
Mail:
Virginia Bureau of Financial Institutions
P.O. Box 640
Richmond, VA 23218-0640
Fax: (804) 371-9416
Information about how the Bureau may assist you, an explanation of the complaint process, and some general complaint instructions can be found at Guidelines for Assistance.
If you are not sure if the entity with which you are dealing is regulated by the Bureau, you can Verify a License.
If the Bureau of Financial Institutions does not have authority
The Bureau does not have the authority to assist you with complaints involving entities and individuals who are not, and are not required to be, chartered, licensed, registered, or otherwise subject to regulation or supervision by the State Corporation Commission. Some institutions are regulated by federal government agencies. For example:
- Office of the Comptroller of the Currency (phone 1-800-613-6743) or online at www.helpwithmybank.gov.
- Commercial banks having the word "National" or using the initials "N.A." (national association) in their title,
- Savings banks and savings and loan associations having the word "Federal" in their name or which use the initials FSB (federal savings bank), FSA (federal savings association), FA (federal association) or FSLA (federal savings and loan association) are organized under and subject to federal law.
- National Credit Union Administration (phone 1-800-755-1030) or online at www.ncua.gov.
- Federally regulated credit unions are similarly identified by the word "federal" in their name.
- If the complaint relates to a mortgage loan that is secured by a property outside of Virginia, you should contact that state's banking authority.
Below, you will also find a list of some of the largest institutions operating in Virginia that are regulated by other agencies. Please contact the primary regulator for that financial institution for assistance.
| Bank Name | Home State | Primary Regulator(s) |
|---|---|---|
| Bank of America, N.A. | NC | Office of the Comptroller of the Currency (OCC) www.helpwithmybank.gov |
| Capital One Bank N.A. | VA | Office of the Comptroller of the Currency (OCC) www.helpwithmybank.gov |
| Truist Bank (formerly Branch Banking & Trust Co. (BB&T) and SunTrust Bank) |
NC | Federal Deposit Insurance Corporation (FDIC); North Carolina Commissioner of Banks |
| Wells Fargo Bank, N.A. | SD | Office of the Comptroller of the Currency (OCC) www.helpwithmybank.gov |
The list above is non-exhaustive. If you do not see your institution in the table above, please search the FDIC's BankFind Suite to determine what type of charter (state, national) your bank has.