FILE A COMPLAINT against an INSURANCE ENTITY
Insurance Complaint Acknowledgement
By continuing with filing an insurance complaint, you ACKNOWLEDGE the following:
We can provide information
- Visit our Insurance Information page, with resources that can help you make informed insurance-related decisions and help you understand your insurance policy.
We can help with...
We Can Investigate...
- Claim-handling delays
- Claim denials
- Unsatisfactory settlements
- Non-renewals and cancellations
- Delays in premium refunds
- Underwriting errors
- Conflicting information from your insurer
- Other insurance-related disputes
- Give legal advice, act as a lawyer or claims adjuster, or interfere in a pending lawsuit
- Recommend one insurer or agent over another
- Make liability decisions/ determine who is at fault/ determine the amount of money owed to you
- Determine who is being truthful when accounts of what happened differ
- Resolve a complaint if the only evidence is your word against the word of others
- Address issues we can't legally enforce
- Tell you who the insurance company is for a particular individual or business (we do not have that information).
- Intervene in disputes between insurance companies and their employees or contractors (agents, etc.).
- Help resolve complaints that are not subject to the insurance laws of Arizona or that are regulated by other Arizona state agencies, including but not limited to:
If a matter is within our jurisdiction, this web site will tell you whether you should file a complaint, grievance or appeal. For matters that are outside our jurisdiction, this web site immediately provides information you can use so you do not spend time submitting a complaint and waiting for a response, only to be told that we do not have authority to help with the matter.
IMPORTANT: Each submitted insurance consumer complaint, the response to the complaint and many of the related documents become a public record pursuant to Arizona law.
||Continue with filing a complaint if you believe an insurance company or insurance professional has violated Arizona law or the provisions of your insurance policy.
FILE A COMPLAINT against a FINANCIAL INSTITUTION
What We Can and Cannot Do
- Provide your complaint to your financial institution and require them to respond to us.
- Review the response for compliance with applicable Arizona Revised Statutes and the Arizona Administrative Code.
- Require corrective action if we determine that the regulated entity did not meet the statutory regulations.
- Award damages
- Provide legal advice or act as your legal representative in or out of court.
- Intervene on your behalf in a pending or current litigation.
- Disclose complaint information to the public.
- Process complaints that do not fall under the DIFI’s jurisdiction.
The DIFI’s ability to take action with respect to a particular complaint is limited to situations where there is an apparent violation of those statutes and rules subject to its jurisdiction. In such cases, the DIFI can pursue administrative remedies, injunctive relief through the office of the Attorney General or refer the matter for criminal prosecution. The DIFI cannot provide legal advice or representation, but represents the public by enforcing laws designed to protect the public from misleading or unlawful practices by state regulated financial institutions or enterprises. If you have questions concerning your personal legal rights or responsibilities, you should contact a private attorney.
To help us promptly respond to questions or complaints, please see if the individual or business is currently licensed with DIFI by using the az.gov License Search web page, and if so, include the license number and name of that individual or entity with your question or complaint.
The DIFI also investigates complaints filed against individuals or companies suspected of engaging in unlicensed activities. Persons conducting business without the proper license are of a great concern to the DIFI. If you suspect that you have been a victim of a financial institution or enterprise that does not have a license to conduct business in Arizona we encourage you to file a complaint.
||Look up the license for a financial institution or financial enterprise, and include their license number and full name when filing a complaint.
||File a complaint if you believe we have jurisdiction in the matter. We will conduct a preliminary review of your complaint to verify that DIFI has jurisdiction. We will let you know if DIFI does not. If DIFI has jurisdiction, we will ask the respondent (financial institution/enterprise) to respond to the complaint. After receiving the response, DIFI will evaluate the complaint and response, will conduct any necessary research to substantiate information, may reach out to you for additional information if needed, and will determine if the respondent violated Arizona law, rules or standards of practice. Unless you file your complaint anonymously, we will notify you when the case has been closed.
FILE A COMPLAINT against a REAL ESTATE APPRAISER, APPRAISAL MANAGEMENT COMPANY or PROPERTY TAX AGENT
Appraisal Complaint Acknowledgement
By continuing to the DIFI Appraisal Complaint form, you ACKNOWLEDGE the following:
- Provide your complaint to the appraiser, appraisal management company or property tax agent and require them to respond to us.
- Review the response for compliance with Arizona Revised Statutes, Arizona Administrative Code and Uniform Standards of Professional Appraisal Practice (USPAP).
- Impose disciplinary or corrective action if we determine that the licensee violated Arizona laws, rules or the USPAP.
- Award damages.
- Order appraisers to amend appraisals or reimburse appraisal fees.
- Give you a new value for your property or confirm if the appraiser's opinion of value is correct.
- Act as your attorney or arbitrator or provide department findings to assist in any legal matters.
- Disclose investigation findings or documents to the complainant or any outside third party.
- Process complaints that do not fall under the DIFI’s jurisdiction.
||Look up the license for the appraiser, appraisal management company or property tax agent, and include their license number and full name when filing a complaint.
||View details about our process for investigating complaints against appraisers and appraisal management companies.
||File a complaint if you believe we have jurisdiction in the matter. We will conduct a preliminary review of your complaint to verify that DIFI has jurisdiction. We will let you know if DIFI does not. If DIFI has jurisdiction, we will ask the respondent (appraiser, appraisal management company or property tax agent) to respond to the complaint and provide details concerning the work they conducted. After receiving the response, DIFI will evaluate the complaint and response, will conduct any necessary research to substantiate information, may reach out to you for additional information if needed, and will determine if the respondent violated Arizona law, rules or Uniform Standards of Professional Appraisal Practice (USPAP). Unless you file your complaint anonymously, we will notify you when the case has been closed. Please note that these types of investigations frequently take a year to close.