Talk to a live person
While an email or even a live chat online helps keep a record of interactions with the bank, initiating the conversation via phone call is usually the best way to start, Sherry says.
In recent years, banks have been growing their presence on social media sites like Twitter and Facebook. But banks and consumers can struggle with how to properly communicate about financial issues through these public forums, according to a 2012 study by Javelin Strategy & Research.
That study, which looked at Twitter customer service interactions with four large banks, found that banks "resolve only a minority of interactions on Twitter, and they commonly post repetitive, scripted answers that put the onus on customers to proceed."
If you choose to use social media to handle your complaint, make sure to limit the amount of sensitive personal information you give out.