Completely agree! Taking the time to pull in the regulatory body that sits on top of a misbehaving behemoth absolutely works! I've done this with PHH Mortgage

Completely agree! Taking the time to pull in the regulatory body that sits on top of a misbehaving behemoth absolutely works! I've done this with PHH Mortgage who "lost" a payment when they took over the mortgage from another company, and also with Enterprise Car Rental when they tried to scam me in Chicago during a drop-off. In both cases I received 100% satisfaction very quickly. Other tips: * Take the time to find the correct regulator... It might be in a different state than yours * Prepare a complete document with as many facts and scanned copies as you can * Clarify your desired outcome * Send everything certified mail * CC the CEO of the company with which you are fighting * If sending a follow-up letter, included scanned copies of the certified mail receipt(s) from previous communications - they cannot then argue that they did not receive your previous communication. Nobody wants a call from the AG or a Financial Regulator! Yes, it is terrible that this needs to be done, but it works wonders.