Use this guide to choose the right complaint path in Kentucky when a demand letter deadline passes.
Pick the right agency
Different agencies handle different disputes. Use the list below to find the best fit for your issue.What to include in your complaint
A clear timeline and documentation make agencies more likely to act quickly.- Demand letter and delivery proof
- Receipts, contracts, and photos
- Any responses or refusals
What happens after you file
Agencies may request more information, contact the other party, or recommend next steps if the matter is outside their scope.Where to file complaints in Kentucky
| Dispute type | Agency |
|---|---|
| Auto Accident Claims | Kentucky Department of Insurance |
| Consumer Refunds | Kentucky Attorney General Consumer Protection |
| Contractor Disputes | Local municipalities |
| Debt Collection | Kentucky AG / CFPB |
| Education Disputes | Kentucky Department of Education |
| Fraud & Scam Recovery | Kentucky Attorney General Consumer Protection |
| HOA Disputes | Kentucky Real Estate Commission |
| Identity Theft | Kentucky Attorney General Consumer Protection |
| Insurance Claims | Kentucky Department of Insurance |
| Landlord Repairs / Habitability | Kentucky Attorney General |
| Medical Bills | Kentucky Department of Insurance |
| Neighbor Disputes | Kentucky Courts |
| Personal Injury | Kentucky Bar Association |
| Pet Deposits | Kentucky Commission on Human Rights |
| Property Damage | Kentucky Courts |
| Security Deposit | Kentucky Attorney General Consumer Protection |
| Small Business / B2B Disputes | Kentucky Secretary of State |
| Subscription Traps | Kentucky Attorney General Consumer Protection |
| Telecommunications Disputes | Kentucky Public Service Commission |
| Unpaid Wages | Kentucky Labor Cabinet |
| Utility Bill Disputes | Kentucky Public Service Commission |
| Warranty Claims | Kentucky Attorney General Consumer Protection |
Agency names change. Confirm current filing options on the agency website.
Kentucky complaint FAQ
Where do I file a consumer complaint in Kentucky?
Start with Kentucky Attorney General Consumer Protection. Include your demand letter, receipts, and any written responses.
Where do I report wage theft in Kentucky?
File with Kentucky Labor Cabinet after your demand letter deadline passes.
Who handles tenant or housing complaints in Kentucky?
For deposit or repair disputes, contact Kentucky Attorney General Consumer Protection or your local housing authority for code enforcement.
Can I still go to small claims after filing a complaint?
Yes. Complaints can build a record, but small claims may still be the fastest way to recover money.
About FreeDemandLetter
FreeDemandLetter provides free, AI-powered demand letter generation with location-specific legal citations. Our content is reviewed by subject matter specialists and regularly updated to reflect current laws. We help thousands of people resolve disputes effectively—but we're not lawyers, and this isn't legal advice. For complex situations, consult a licensed attorney in your jurisdiction.
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