bad credit cards contacts

http://www.desmoines.bbb.org/index.html

This is the BBB you contact for complaints on AT&T Universal Card and Citibank, whom owns AT&T

Better Business Bureau Serving Central & Eastern Iowa Main Office	505 5th Avenue Suite 950 Des Moines, IA 50309-2375 M-TH 8:00 am to 4:30 pm Fri 8:00 am to 4:00 pm Phone: (515) 243-8137, 24 hour automated system Consumer Reps available M-F 9:00 am to 3:30 pm Toll Free: 1-800-222-1600 Fax: (515) 243-2227 Email: info@dm.bbb.org
Better Business Bureau Serving Quad Cities Branch Office	2435 Kimberly Rd, Suite 175-N Bettendorf, IA 52722-3520 Phone: (319) 355-6344 9:00 am - 3:00 pm Fax (319) 355-0306

http://www.dr.bbb.org/autoline/alprocess.asp
Better Business Bureau On Line

For All States Except California
(Click Here for California BBB AUTO LINE Process)
BBB AUTO LINE is the Better Business Bureau system's national program for the resolution of automotive disputes.

If you need more information, or would like to file a claim, please call 1.800.955.5100 or write to:

BBB AUTO LINE -- Dispute Resolution Division
Council of Better Business Bureaus, Inc.
4200 Wilson Boulevard, Suite 800
Arlington, Virginia 22203-1838

http://www.ftc.gov/ftc/bcppriv.htm
Federal Trade Commission

FTC Announces New Complaint-referral Program

http://www.ftc.gov/opa/2004/04/cra.htm

https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

While we do not resolve individual consumer disputes, your complaint, comment, or inquiry may help us spot a pattern of law violations requiring law enforcement action. It can also help us recognize and tell people about larger trends affecting consumers.

In our Consumer Protection section you can find a variety of publications on subjects such as credit, health and fitness, buying and working at home, investments, telemarketing, and other products and services. You'll also find business information such as guides to complying with the Mail Order Rule, Telemarketing Sales Rule, Used Car Rule, and other rules and regulations enforced by the FTC

http://www.fsa.gov.uk/
Financial Services Authority

What we do for consumers
We provide information and help through our publications and Consumer Contact Centre. This includes information on making a complaint and compensation in case you have a problem or something goes wrong.

We also protect consumers by regulating the financial services industry.

We have produced a detailed guide to the FSA: Introduction to the FSA. See also: About Us

Consumer Alerts are warnings about scams, swindles and new developments to watch out for.

http://www.fcc.gov

The Federal Communications Commission (FCC) is an independent United States government agency, directly responsible to Congress. The FCC was established by the Communications Act of 1934 and is charged with regulating interstate and international communications by radio, television, wire, satellite and cable. The FCC's jurisdiction covers the 50 states, the District of Columbia, and U.S. possessions.

The FCC is directed by five Commissioners appointed by the President and confirmed by the Senate for 5-year terms, except when filling an unexpired term. The President designates one of the Commissioners to serve as Chairperson. Only three Commissioners may be members of the same political party. None of them can have a financial interest in any Commission-related business.

As the chief executive officer of the Commission, the Chairman delegates management and administrative responsibility to the Managing Director. The Commissioners supervise all FCC activities, delegating responsibilities to staff units and Bureaus.

http://www.occc.state.tx.us/
Office of Consumer Credit Commissioner

OCCC Mission and Goals

Agency Mission
The OCCC's first mission statement was created in 1991. Agency leadership revisits the mission statement every two years to ensure its continuing relevance. Following is our current mission statement:

The mission of the Office of Consumer Credit Commissioner (OCCC) is to regulate the credit industry and educate consumers and creditors, thereby producing a fair, lawful, and healthy credit environment for social and economic prosperity in Texas.

http://www.ftc.gov/ftc/consumer.htm
Federal Trade Commission

If you want to file a complaint about a particular company or organization, please use our secure Complaint Form.

If you send us an email, you should know that email is not necessarily secure against interception. So, if your communication includes sensitive information like your bank account, charge card, or social security number, and you prefer not to use one of our secure online forms, contact us by postal mail or telephone.

To learn how we may use the information you provide, please read our Privacy Policy.

Here's how you can contact us about:

http://www1.ifccfbi.gov/index.asp
Internet Fraud Complaint Center

The Internet Fraud Complaint Center (IFCC) is a partnership between the Federal Bureau of Investigation (FBI) and the National White Collar Crime Center (NW3C).

IFCC's mission is to address fraud committed over the Internet. For victims of Internet fraud, IFCC provides a convenient and easy-to-use reporting mechanism that alerts authorities of a suspected criminal or civil violation. For law enforcement and regulatory agencies at all levels, IFCC offers a central repository for complaints related to Internet fraud, works to quantify fraud patterns, and provides timely statistical data of current fraud trends.

http://www.state.sd.us/attorney/office/contact.asp

This is the Attorney Generals site to contact for complaints on AT&T Universal Card and Citibank, whom owns AT&T. South Dakota is the State that AT&T Universal Card & Citibank reside their head quarters in.

The Attorney General's Office has three jobs. First, we fight crime by assisting city and county law enforcement. Second, we are the lawyers for all of the officials and agencies of state government. Third, we enforce consumer protection laws for the benefit of all South Dakota citizens.

This website contains information and news about the Attorney General's Office, consumer tips and alerts, our safe schools project, a special section to help our seniors and much more.

If you have questions, comments, or suggestions, let us know. Use our Live Help Link and contact us directly. We will continue to upgrade and improve our site. Your input will help us make it more useful to everyone.

Complaints about Your Card Issuer

The following federal agencies are responsible for enforcing federal laws that govern credit card transactions. Questions concerning a particular card issuer should be directed to the enforcement agency responsible for that issuer.

State Member Banks of the Reserve System
Consumer and Community Affairs
Board of Governors of the Federal Reserve System
20th & C Sts., N.W.
Washington, D.C. 20551

National Banks
Comptroller of the Currency
Compliance Management
Mail Stop 7-5
Washington, D.C. 20219

Federal Credit Unions
National Credit Union Administration
1776 G St., N.W.
Washington, D.C. 20456

Non-Member Federally Insured Banks
Office of Consumer Programs
Federal Deposit Insurance Corporation
550 Seventeenth St., N.W.
Washington, D.C. 20429

Federally Insured Savings and Loans, and Federally Chartered State Banks
Consumer Affairs Program
Office of Thrift Supervision
1700 G St., N.W.
Washington, D.C. 20552

Other Credit Card Issuers (includes retail/gasoline companies)
Division of Credit Practices
Bureau of Consumer Protection
Federal Trade Commission
Washington, D.C. 20580

Always remember to contact ALL 3 of the Credit Bureau's in the United States. These agencies can help out a great deal. Put a "watch" on your credit bureau report.

Equifax Credit Information Services - Consumer Fraud Div.
P.O. Box 105496
Atlanta, Georgia 30348-5496
Tel: (800) 997-2493
www.equifax.com

Experian
P.O. Box 2104
Allen, Texas 75013-2104
Tel: (888) EXPERIAN (397-3742)
www.experian.com

Trans Union Fraud Victim Assistance Dept.
P.O. Box 390
Springfield, PA 19064-0390
Tel: (800) 680-7289
www.transunion.com