File a Complaint

Due to a system maintenance, starting Saturday June 13, 2020 at 5:00 AM CT the consumer complaints system will be unavailable for insurance related complaints. We are sorry for any inconvenience this will cause, the system will be available again on Monday, June 15, 2020 at 8:00 AM CT.

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

Please check the list below and choose the complaint type that most closely matches your issue.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

COVID-19 and Health Insurance

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint
Abstractor

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Annuities

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint
Appraiser/appraisal Management Company

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Auto Insurance

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint
Bank

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Bullion Coin

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Collection Agency

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Commercial Insurance

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint
Consumer Small Loan/Short Term Loan

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Credit Service Organizers

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Credit Union

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Currency Exchange

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Debt Settlement/Management

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Dental Insurance

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint
Disability Insurance

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint
Franchise

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Health Insurance

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint
Homeowners Insurance

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint
Industrial Loan & Thrift Co.

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Insurance Agent

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint
Insurance Broker

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint
Insurance Company

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint
Insurance Premium Finance Co.

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Life Insurance

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint
Loan Modification

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Long Term Care

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint
Money Transmitter

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Mortgage

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Motor Vehicle Finance Co.

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Notary

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Payday Lenders

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Pharmacy Benefit Managers

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint
Real Estate

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Regulatory Lender

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Securities

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Telecom

Thank you for contacting the Minnesota Department of Commerce. Your willingness to bring this matter to the attention of the Department and your patience during the investigation is appreciated.

The Department of Commerce's authority is limited to the determination of a regulated entity's compliance with Minnesota law and/or policy provisions, where applicable. Our Department cannot determine who is correct in a factual dispute. That authority rests solely with a court of law.

File a Complaint
Title

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint
Workers Compensation

Welcome to the Minnesota Department of Commerce’s Consumer Portal. The Consumer Portal is a way for consumers to submit complaints to the Minnesota Department of Commerce in an electronic and secure format.

You will first need to create an account. Once the account is created using an email address and password, you will use that information to login to the Consumer Portal.

After logging in to the Consumer Portal, you can submit your complaint. There are several pages in the process to submit a complaint to give us all of the information that we need to work the case. When your complaint is successfully submitted, the complaint is assigned a “Complaint ID,” and you will receive a message that the complaint has been successfully submitted. You will then be taken to the page to upload documents to the Consumer Portal to support your complaint. The accepted file types that you can upload are: doc, docx, gif, jpeg, jpg, pdf, xls, and xlsx.

You will receive an email to advise you if at any time an investigator needs to correspond with you on your complaint.

File a Complaint

External Appeals

If you have a health insurance claim that has been denied by your health plan, you have the right to appeal that denial. The first thing you should do is contact your health plan and ask for more information on why the claim was denied. This is the first step in the internal appeals process and insurance companies are required to address your complaint within a strict timeline.

If you are still are not satisfied with the health plans's denial of your claim you may be able to request an external review. Review your summary of benefits on the appeals process.

For the external appeals process, Commerce will work with an impartial third party to determine if the denial was justified. The health plan must follow the decision. However, if you are not satisfied with the result of the decision you have the right to appeal the decision in court.

File an External Appeal

Do you want to upload a document to a complaint you already filed?

Log into your Complaint Portal account

Questions

If you would like to ask a question or inquiry about an industry we regulate you may email us at consumer.protection@state.mn.us and we will have an insurance investigator respond to you as soon as possible. You may also contact the Department of Commerce at 651-539-1600.

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