How To File A Complaint
The DFS reviews complaints to gather information on compliance with law and to detect patterns of wrongdoing and/or fraud. The DFS cannot attempt to resolve or otherwise handle every individual complaint, and we will notify you if your complaint is not being individually reviewed.
Please use our online consumer complaint process to file a complaint about a financial product or service. After submitting your complaint, you will receive email confirmation the the complaint was received and a file number. Please save your file number and use it in all future correspondence.
Be aware that it may be necessary to share a copy of your complaint with the company or individual that your complaint is against.
** Please note, you must submit your complaint within 60 minutes of launching the online complaint form. **
How to Send Documents Supporting a Complaint
If you have an electronic copy of your supporting documents, you can upload them when you submit your complaint. Include the file number you received when you submitted your complaint.If you only have paper copies of your documents, you can have them scanned and send them electronically or send them by mail or fax:
Department of Financial Services
Consumer Assistance Unit
One Commerce Plaza
Albany, NY 12257
Fax: (212) 480-6282
Do not mail your original documents to the DFS. They cannot be returned to you.
Provider Prompt Pay Complaints
If you are a health care provider filing a prompt payment complaint or an attorney filing a complaint on behalf of a health care provider regarding payment of health insurance, no fault or workers compensation claims, you must file your complaint via the secure DFS Portal using our online Prompt Payment Complaint Form for Providers.
- Go to the Portal
- Instructions: How To Create a Portal Account
- Provider Prompt Pay Complaint Instructions
General Questions about Financial Services
If you are unable to find the answer to your questions on our website, submit inquiries and complaints via the following options:
- Call (212) 480-6400 or toll-free (800) 342-3736 (Monday through Friday, 8:30 AM to 4:30 PM)
- Email a Question
Consumers have the right to an external appeal when health care services are denied by an HMO or insurer as not medically necessary, experimental/investigational, a clinical trial, a rare disease treatment, or, in certain cases, as out-of-network. Your insurer is required to notify you if your denial is eligible for the process. Providers have their own right to an external appeal when these health care services are denied concurrently or retrospectively. External appeal requests must be submitted to the DFS and we will assign independent medical experts to review the appeal. Learn more about External Appeals...
No-Fault Claims and Arbitration
If your case was submitted to the American Arbitration Association (AAA) for arbitration, you should contact them:
American Arbitration Association
Customer Support: (917) 438-1660
If you have won a judgment in a No-Fault Arbitration, you should not normally have any difficulty in collecting from the respondent. If you have not received payment within 30 days of the date of mailing of the No-Fault arbitration award, we suggest that you follow-up with the respondent in writing to advise of the specific elements of the award which remain unpaid and outstanding. If you do not receive a timely response from the respondent, you should seek assistance from the Department of Financial Services. Learn More About No-Fault Arbitration...