1. How to Complain Adapted with permission from Consumer Action www.consumeraction.org

2. Top consumer complaints of 2011 10.Advance-fee loans and credit protection/repair 9. Telephone and mobile services 8. Imposter scams 7. Auto-related complaints 6. Internet services 5. Banks and lenders 4. Shop at home and catalog sales 3. Prizes, sweepstakes and lotteries 2. Debt collection 1. Identity theft

3. Consumer complaints Know your rights. Complain in a timely fashion. Prepare a folder or file to keep documents and notes about your complaint. Write out three or four sentences that describe your complaint clearly and concisely. Be clear about what you want. Be persistent. Be patient and don’t lose your cool. Seek assistance from a third party. Consider going to court.

4. Before complaining

5. Complain as soon as possible

6. Steps to complaining

7. Keep records

8. Contact someone higher up

9. Contact government agencies

10. North Dakota Attorney General Consumer Protection

11. Complain through an organization

12. Consider your alternatives

13. Stopping payment

14. Credit card protections

15. Put it in writing

16. Consulting a lawyer

17. Small claims court

18. Sample letters Snail mail Email

19. Problem solved!