I emailed the Consumer Financial Protection Agency my story, and they sent me an email back asking if I knew anybody that needed their story told. Here is the response that I got from the CFPA.
"Thank you. We're working to make markets for consumer financial products and services work in a fair, transparent, and competitive manner and your story is invaluable to that work.Are there others we should hear from? Forward this message to them and ask them to visit https://help.consumerfinance.gov/app/tellyourstory
The information you've given us will help us understand your experiences as a consumer and give us an up-to-date picture of the consumer marketplace.Thank you,Consumer Financial Protection Bureau
consumerfinance.gov--If you need help, file a complaint: consumerfinance.gov"
(End of email)
I suggest that you structure your comments so that it briefly tells your story but don't give every bit of information, and conclude your letter with what you think SHOULD HAVE HAPPENED.
I think you summarizing your letter with what you think SHOULD HAVE HAPPENED, after briefly telling what did happen, is very very important. If you spend too much time in your email being angry, or giving out way too much information, you may lose them before they get to your terrific SUMMARY OF WHAT SHOULD HAVE HAPPENED.
When you think about it, the reason you are angry is because you have a sense of what would have been fair, and what you thought would have been fair was IGNORED and possibly not even considered by the bankers.
If you stick to what you think would have been a fair solution regarding how the unmotivated, lazy bankers screwed you, the CFPA can possibly propose solutions based on your experiences!
It's the bankers that hide behind rules and regulations as excuses for why they cannot change anything, yet spend tens of millions (and probably way more) lobbying congress all the time to keep their fat bonuses and salaries, and the CFPA may be our chance to fix what the lazy bankers don't feel like fixing.