Here are the facts:  No one regulatory agency exists to monitor behavior and address consumer complaints, so you need to complain or report a violation to the following locations, compliments of Credit Cards.com.

The Federal Reserve oversees some state banks and all banks that are members of the Federal Reserve System.

Toll Free: 1-888-851-1920

TTY: 877-766-8533
Fax: 877-888-2520

Mail: Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480

Online complaint form: http://www.federalreserveconsumerhelp.gov/?District=13

If the credit card company in question has the word “national” (or the initials “N.A.”) in its name, contact the Office of the Comptroller of the Currency.

Toll Free: 800-613-6743

TDD Number: 713-658-0340

Fax: 713-336-4301

Mail:  Customer Assistance Group,
1301 McKinney Street, Suite 3450
Houston, TX 77010

Online complaint form: https://appsec.helpwithmybank.gov/olcc_form/

If you are dealing with a credit union with the word “federal” in its name, or if the credit union is located in Delaware, South Dakota, Wyoming, or D.C., contact the National Credit Union Administration at 1-800-755-1030.

For state-chartered credit unions not located in Delaware, South Dakota, Wyoming, or D.C., and for state-chartered banks, click here for the appropriate state regulatory agency.

Thrifts, savings, loan associations, and federally chartered savings banks are regulated by the Office of Thrift Supervisors.

Toll Free: 800-842-6929

TTY: 800-877-8339

Fax: 202-906-7342

Mail:  Office of Thrift Supervision
1700 G Street, NW
Washington, DC 20552

Email: consumer.complaint@ots.treas.gov

Regardless of which banking regulator you contact, be sure to keep records. Start by contacting the credit card issuer directly. Record the person’s name, date of the call, and the details of the call. Keep asking to speak with a supervisor until you have exhausted your resources at the credit card company. With your detailed notes in hand, contact the appropriate banking regulator and explain your problem. Per the Credit Card Act of 2009, keeping good records will help expedite a resolution.