Use this guide to choose the right complaint path in New Jersey 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 New Jersey
| Dispute type | Agency |
|---|---|
| Auto Accident Claims | NJ Department of Banking and Insurance |
| Consumer Refunds | New Jersey Division of Consumer Affairs |
| Contractor Disputes | NJ Division of Consumer Affairs |
| Debt Collection | New Jersey DCA / CFPB |
| Education Disputes | New Jersey Department of Education |
| Fraud & Scam Recovery | New Jersey Division of Consumer Affairs |
| HOA Disputes | New Jersey Real Estate Commission |
| Identity Theft | New Jersey Division of Consumer Affairs |
| Insurance Claims | New Jersey Department of Banking and Insurance |
| Landlord Repairs / Habitability | New Jersey Department of Community Affairs |
| Medical Bills | New Jersey Department of Banking and Insurance |
| Neighbor Disputes | New Jersey Courts |
| Personal Injury | NJ State Bar Association |
| Pet Deposits | New Jersey Division on Civil Rights |
| Property Damage | New Jersey Courts |
| Security Deposit | New Jersey Division of Consumer Affairs |
| Small Business / B2B Disputes | New Jersey Division of Revenue |
| Subscription Traps | New Jersey Division of Consumer Affairs |
| Telecommunications Disputes | New Jersey Board of Public Utilities |
| Unpaid Wages | New Jersey Department of Labor and Workforce Development |
| Utility Bill Disputes | New Jersey Board of Public Utilities |
| Warranty Claims | New Jersey Division of Consumer Affairs |
Agency names change. Confirm current filing options on the agency website.
New Jersey complaint FAQ
Where do I file a consumer complaint in New Jersey?
Start with New Jersey Division of Consumer Affairs. Include your demand letter, receipts, and any written responses.
Where do I report wage theft in New Jersey?
File with New Jersey Department of Labor and Workforce Development after your demand letter deadline passes.
Who handles tenant or housing complaints in New Jersey?
For deposit or repair disputes, contact New Jersey Division of Consumer Affairs 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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