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Bank and Credit Card Complaints
Complain to your bank, card provider or lender in writing first. Most firms have up to 8 weeks to deal with a complaint (15 days for fraud, scams and payment services) before you can go to the Financial Ombudsman Service, which is free. You must go to the Ombudsman within 6 months of the firm’s final response.
At a Glance
Guide Disclaimer
Free guides only. Complaints about banks, cards, loans and insurance are regulated financial matters, so we give free information and letter templates here but do not take these on as cases.
CPUK is not authorised or regulated by the Financial Conduct Authority and is not a claims management company.
Official Complaint Figures
From the Financial Ombudsman Service, April to June 2026 (Q1 2026/27) (published 22 July 2026). See also our most complained about page.
- 8,900Current accountsNew complaints
- 5,783Credit cardsNew complaints
- 5,647Hire purchase (motor)New complaints
- 2,305Electronic money (e-money)New complaints
- 2,103Personal loansNew complaints
Lead reviewer
Luke Marley
Founder and Lead Reviewer
Luke founded CPUK in 2026 after seeing how hard it is for ordinary people to get problems with companies put right. He oversees our guides and checks them against official sources.
Research by Katie Burt, Co-founder and Operations Lead (17 years in the care sector, including managing services for vulnerable adults), and the CPUK Research Team. Researched with AI-assisted research tools, then checked and corrected by our team.
Last checked: 4 October 2026. We are not paid by the companies we write about. Adverts never affect our guidance. Read our editorial policy.
Company Complaint Guides
Where to complain to each company, and the scheme to use if it is not put right.
Want Help?
We do not take these complaints as cases, but our free letter templates can write your complaint for you, and the Financial Ombudsman Service is free.