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Reach A Regulator

Free · No lawyer · About 15 minutes

Yes, it's worth fighting over $50.

Companies bury disputes in arbitration clauses and wait you out, because they know the money isn't worth the fight. But almost every company is licensed by a government agency — and when that agency forwards your complaint, the company is obligated to respond.

Complaining to a regulator is free, takes about as long as a support-chat queue, and often resolves in weeks. We'll tell you exactly which agency yours is.

Find my regulator Why this works

Find the regulator for your problem

Two questions, about ten seconds. Then you get a direct link to the right complaint form.

Step 1 of 2 · What's your problem with?

How it works

  1. Tell us what went wrong

    Pick a category and your state. Insurance, utilities, a contractor who took your deposit — whatever it is, some agency licenses that industry.

  2. File on the agency’s own site

    We send you straight to the real complaint form, with a checklist of what it asks for. No middleman, no letter to write, no fee.

  3. The company has to answer

    The agency forwards your complaint and asks for a written response, typically within 30 to 60 days. Companies that ignored you tend to answer a regulator.

This worked for me — that's why I built it

I had a claim under a travel insurance policy I'd bought through Airbnb, underwritten by Generali. They wouldn't send me a copy of the policy. They wouldn't give me a way to submit the claim. Every path they offered led back to a form that didn't work or a queue that didn't answer.

The contract sent disputes to arbitration, which for a claim that size is a joke — the process costs more than the money. So I filed a complaint with the Oregon Division of Financial Regulation instead. It was free, and it took about fifteen minutes.

Generali responded. The claim was paid in full.

The only hard part was knowing that the Division of Financial Regulation existed and that it had authority over Generali. That's the entire problem this site solves.

Small complaints are the ones that matter most

A $50 dispute isn't worth a lawyer, and everyone involved knows it. That asymmetry is the business model: make the process just annoying enough that most people quit, and keep the difference. It works because it's rational to give up.

A regulatory complaint changes that math. It's free, so there's nothing to lose. It takes about fifteen minutes, so the effort is smaller than the money in almost every case. And it goes to someone the company actually has to answer.

There's a second effect worth knowing about. Regulators don't just forward individual complaints — they watch for patterns. A hundred people complaining about the same fee is how an investigation starts, and how a practice gets changed for everyone who never filed. You don't owe anyone that. It's just a decent side effect of getting your own money back.