Lodging a complaint against financial service providers

You can complain to BaFin online and in writing by letter, fax or email.

You must state:

• your name and address.
• If you are complaining on behalf of another person, please also give their name and address. In this case, please attach a power of attorney entitling you to lodge a complaint with BaFin on behalf of this other person. This also applies if you are contacting BaFin on behalf of your partner or another family member, for example. 
• The name and address of the company you are complaining about.
• If you are complaining about an insurance policy: please state the type of insurance, the number of the insurance certificate and, where applicable, the claim number.
• If you are complaining about a credit or financial service institution: please state the type of business relationship, such as a deposit account, current account or savings scheme, the account and client numbers and, where applicable, the name of the account holder, if this is not you or you are complaining on behalf of another person.
• If your complaint concerns the purchase of securities, please also provide the securities identification number (WKN or ISIN).
• Describe your problem as precisely as possible. Provide copies of the documents necessary for an understanding of the case (e.g. contracts, invoices, insurance certificate or the exchange of correspondence with the company concerned). Please do not send originals to BaFin.
• Remember to sign your complaint. If you are complaining on behalf of another person, please attach the necessary power of attorney to allow BaFin to deal with your complaint.
• If you are sending your complaint by email, please remember to state your postal address in any case.
• BaFinn will ask the company to submit its observations.
• BaFin will keep you informed about the status of the procedure.

Federal Financial Supervisory Authority
Postfach 1253
53002 Bonn

Tel: 0228 41080
Fax: 0228 41081550
Email: poststelle@bafin.de
 

Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht)
Regensburger Str. 108
53117 Bonn

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• A written complaint, setting out the facts of the case and the reason for your complaint.
• If you are complaining about an insurance policy: please state the type of insurance, the number of the insurance certificate and, where applicable, the claim number.
• If you are complaining about a credit or financial service institution: please state the type of business relationship, such as a deposit account, current account or savings scheme, the account and client numbers and, where applicable, the name of the account holder if this is not you or you are complaining on behalf of another person.
• If your complaint concerns the purchase of securities, please also provide the securities identification number (WKN or ISIN).
• For complaints lodged on behalf of another person, you should attach a written power of attorney.

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Note: The filing of a complaint with BaFin does not suspend the limitation period for civil claims.

Since BaFin regularly invites financial service providers to submit their observations, the handling of complaints usually takes several weeks. However, you will receive an acknowledgment of receipt, regardless of how long it takes to finish  processing your complaint.

• § 4b Gesetz über die Bundesanstalt für Finanzdienstleistungsaufsicht (Finandienstleistungsaufsichtsgesetz - FinDAG)
• § 60 Zahlungsdiensteaufsichtsgesetz (ZAG)
• § 61 Zahlungsdiensteaufsichtsgesetz (ZAG)

Are there forms to fill in? Yes
Can I lodge my complaint online? Yes
Do I need to lodge my complaint in writing? Yes
Do I need to lodge my complaint in person? No
 

• Online-Beschwerdeformular für Versicherungen auf der Seite der Bundesanstalt für Finanzdienstleistungsaufsicht
• Online-Beschwerdeformular für Banken auf der Seite der Bundesanstalt für Finanzdienstleistungsaufsicht
• Online-Beschwerdeformular für Basiskonten auf der Seite der Bundesanstalt für Finanzdienstleistungsaufsicht

• Überblick zu den Beschwerdemöglichkeiten bei der BaFin
• Überblick der BaFin über beaufsichtigte Unternehmen