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