Free to read
A bill, a call, or a contract can get messy. This site helps you pick a next step.
We collect official reporting links and short explainers so you are not guessing where to go. We do not take complaints here, and we do not stand in for a government office.
See the official officesHow this works
Three moves. Then you leave this page.
The point is to get you onto the site that actually handles the issue.
Match the situation
A surprise charge, a rushed phone pitch, a credit-file error, or someone using your name. Pick the closest fit.
Read the short version
Each note is a plain-English briefing, not legal advice. It tells you what the official process is for.
Open the right desk
The links below go to government sites and a few independent tools. File there if you need a case opened.
Common issues
What people usually come here about
These are patterns, not a diagnosis. If none of them fit, skip to the official offices.
A charge you do not recognize
Card and bank disputes have deadlines. The issuer has to look at a written dispute. Start with the statement date, not a chat with the merchant only.
A call that will not let you think
Pressure, gift cards, wires, and “pay now or get arrested” are classic tells. Hang up and verify on a number you looked up yourself.
Your name on an account you did not open
IdentityTheft.gov walks the recovery checklist. Pull the free annual credit reports while you do that.
A collector who will not stay in their lane
Collectors can hunt for a phone number. They cannot gossip about the debt to your boss or your neighbors. That line is in federal law.
Official offices
File on their site, not ours
We do not take reports. These desks do.
FTC ReportFraud ↗
Scams, fraud, and rotten business practices. This is the federal consumer complaint intake.
FBI IC3 ↗
Internet crime, including wires and account takeovers. Time matters on those.
IdentityTheft.gov ↗
The official recovery plan if someone opened credit or filed taxes in your name.
AnnualCreditReport.com ↗
The authorized free credit-report site. Not a scoring app. Not a trial.
Questions
Straight answers
Are you a government office?
No. Here to Save is an independent guide. The .gov links are the government. We are not the FTC, CFPB, FBI, or any state attorney general.
Do I file my complaint with you?
No. If you need a case number, use the official offices above. We do not store fraud reports or identity-theft affidavits.
Is this legal advice?
No. It is general education. A lawyer in your state is the person who can look at your contract or your file.
Why is this free?
The guides are free to read. Some third-party tools we mention later may charge for their own work. Government links do not pay us.