Use this guide to choose the right complaint path in New York 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 York
| Dispute type | Agency |
|---|---|
| Auto Accident Claims | NY Department of Financial Services |
| Consumer Refunds | New York Attorney General Consumer Protection |
| Contractor Disputes | NY DOS / NYC DCA |
| Debt Collection | NY DFS / NYC DCA / CFPB |
| Education Disputes | New York State Education Department |
| Fraud & Scam Recovery | New York Attorney General Consumer Protection |
| HOA Disputes | New York Department of State Division of Licensing |
| Identity Theft | New York Attorney General Consumer Protection |
| Insurance Claims | New York Department of Financial Services |
| Landlord Repairs / Habitability | NYC Housing Preservation & Development |
| Medical Bills | New York Department of Financial Services |
| Neighbor Disputes | New York Courts |
| Personal Injury | NY State Bar Association |
| Pet Deposits | New York Division of Human Rights |
| Property Damage | New York Courts |
| Security Deposit | New York Attorney General Tenant Rights |
| Small Business / B2B Disputes | New York Department of State |
| Subscription Traps | New York Attorney General Consumer Protection |
| Telecommunications Disputes | New York Public Service Commission |
| Unpaid Wages | New York State Department of Labor Division of Labor Standards |
| Utility Bill Disputes | New York Public Service Commission |
| Warranty Claims | New York Attorney General Consumer Frauds Bureau |
Agency names change. Confirm current filing options on the agency website.
New York complaint FAQ
Where do I file a consumer complaint in New York?
Start with New York Attorney General Consumer Protection. Include your demand letter, receipts, and any written responses.
Where do I report wage theft in New York?
File with New York State Department of Labor Division of Labor Standards after your demand letter deadline passes.
Who handles tenant or housing complaints in New York?
For deposit or repair disputes, contact New York Attorney General Tenant Rights 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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