If all else fails, go to an outside agency
If you're really not getting anywhere with your complaint, take all your notes and bring them to an outside agency like the CFPB for help, Marco says. You can file a complaint with the CFPB at ConsumerFinance.gov/complaint.
Banks says the creation of the CFPB has made banks focus more on consumer complaints.
"Now, banks know (consumers) can file complaints with the CFPB," Banks says. "Oftentimes, banks realize that now there's this regulator out there looking over their shoulder, and it helps them to make sure the customer is happy."
However, if that doesn't happen, consumers should not shy away from filing a complaint with the CFPB, Banks says. She suggests going there if two calls made to the bank turn up fruitless.
If you bank at a smaller institution, you may have to go to a different regulator for help. The CFPB only handles financial institutions with assets over $10 billion.