1. How to bring a complaint to PayServices Bank

If you have a concern, complaint, or dispute regarding any service, transaction, account, or interaction with PayServices Bank, please contact us first. We take every complaint seriously and aim to acknowledge it within five business days and to resolve it within thirty days where reasonably possible.

You can reach us in any of the following ways:

PayServices Bank
Attn: Complaints
950 W Bannock Street, Suite 1100
Boise, Idaho 83702-6140
United States

info@payservices.com

You may also use the in-app messaging or support functions in the ITAM application.

Please include in your complaint: your name and contact details, your account or transaction reference (if applicable), a clear description of the concern, and the resolution you are seeking. The more detail you provide, the more quickly and accurately we can help.

2. What we do when you complain

When we receive a complaint, we acknowledge it, investigate the underlying facts, and respond in writing with our findings and any remediation we propose. Where we have made an error, we will say so plainly and put it right. Where we believe the complaint is unfounded, we will explain our reasoning. We retain complaint records as required by applicable law and use complaint patterns to improve our services.

3. Consumer Financial Protection Bureau (CFPB)

If you are a U.S. consumer and your complaint involves a federal consumer-protection law (including the Truth in Savings Act, the Electronic Fund Transfer Act, the Equal Credit Opportunity Act, the Gramm-Leach-Bliley Act, or the Fair Credit Reporting Act), you may file a complaint with the Consumer Financial Protection Bureau, which has authority over PayServices Bank's compliance with those laws under the Consumer Financial Protection Act.

Consumer Financial Protection Bureau
P.O. Box 27170
Washington, DC 20038
United States
Online: consumerfinance.gov/complaint
Telephone: (855) 411-2372

4. Idaho Department of Finance

PayServices Bank is chartered and supervised by the Idaho Department of Finance. The Department has authority over PayServices Bank's compliance with the Idaho Bank Act and other applicable Idaho law and is the principal state regulator for PayServices Bank.

Idaho Department of Finance
Financial Institutions Bureau, Bank Section
P.O. Box 83720
Boise, Idaho 83720-0031
United States
Online: finance.idaho.gov
Telephone: (208) 332-8000

5. Federal Deposit Insurance Corporation (FDIC)

PayServices Bank is not an FDIC-insured institution and is not directly supervised by the FDIC. The FDIC nonetheless has authority over certain matters affecting non-insured institutions, including misrepresentations of insured status under FDIC Part 328 Subpart B (12 CFR § 328.100 et seq.).

If you believe PayServices Bank or any other person has misrepresented our insured status, or has misused the FDIC name or logo, you may file a complaint with the FDIC.

Federal Deposit Insurance Corporation
Consumer Response Center
1100 Walnut Street, Box #11
Kansas City, MO 64106
United States
Online: fdic.gov/resources/consumers/consumer-assistance-topics/complaints.html
Telephone: 1-877-275-3342

6. Other escalation paths

Depending on the nature of your complaint, additional authorities may also be relevant:

• U.S. Federal Trade Commission (identity theft and consumer fraud): identitytheft.gov and reportfraud.ftc.gov
• U.S. FBI Internet Crime Complaint Center (online fraud): ic3.gov
• Your state attorney general for state-law consumer-protection matters
• Your country's financial regulator if you are outside the United States

For specialized matters — including privacy and data, accessibility, copyright, and family or minor accounts — please contact info@payservices.com and indicate the subject matter in your message.