If you are having problems with a Direct Merchants Bank issued credit card, here are the addresses to write to file a complaint and get action: Federal Reserve System The Board of Governors handles consumer complaints about state-chartered banks and trust companies which are members of the Federal Reserve System. Board of Governors of the Federal Reserve System Division of Consumer and Community Affairs 20th & C Street, NW Washington, DC 20551 202-452-2412 (complaints only) 202-452-3204 (public affairs) TDD: 202-452-3544 Federal Deposit Insurance Corporation (FDIC) Compliance and Consumer Affairs Division Federal Deposit Insurance Corporation 550 17th St., NW Washington, DC 20429 Toll free: 1-800-934-3342 TDD: 1-800-925-4618 E-mail: consumer@fdic.gov Web site: www.fdic.gov FDIC handles questions about deposit insurance coverage and complaints about FDIC-insured state banks which are not members of the Federal Reserve System. You can reach one of the Office of the Comptroller of the Currency's customer assistance specialists by: Telephoning 1-800-613-6743, toll-free (business days 9:00 a.m. to 3:30 p.m. CST); E-mailing - E-mail to Customer.Assistance@occ.treas.gov; Fax - Faxing to - 1-713-336-4301 or; Sending mail to - Customer Assistance Group 1301 McKinney Street Suite 3710 Houston, TX 77010 Submit this complaint by fax at 405.521.6740, by voice phone at 405.521.3653 or by mail to: Oklahoma Department of Consumer Credit 4545 North Lincoln Blvd., Suite 104 Oklahoma City, OK 73105 1.800.448.4904