The same has been happening with the State AG complaint process, i.e. they've become worthless and toothless. Of course the "respondent" will state the complain

The same has been happening with the State AG complaint process, i.e. they've become worthless and toothless. Of course the "respondent" will state the complaint has been satisfied, and by a bot-generated form response, too. Nobody is going to check, and the case will be closed. You have no recourse. US consumers have zero rights because the sheriff is completely in bed with the people they oversee. The CFPB and the paltry legislation passed at the height of the financial crisis are some of the only remaining consumer protection left. The reason why the CFPB had to be set up with a dubious structure under the Fed and an unchecked director is precisely because only a hammer could bring about some semblance of equity. It shouldn't have to be this way to begin with. I don't know why this hasn't turned into a bigger cross-party issue, it affects everyone.