You're wrong. I've successfully gotten the law involved with Citibank with a time investment of around 10, maybe 15 minutes. All I did was filled out this form

You're wrong. I've successfully gotten the law involved with Citibank with a time investment of around 10, maybe 15 minutes. All I did was filled out this form: https://www.consumerfinance.gov/complaint/ https://www.consumerfinance.gov/complaint/ and they handled it from there. However, the CFBP has only been around for less than a decade.