Adding more resources below and an ask to share this post with people who might need it. — All of these companies are regulated — a government agency is paid by your taxes to make sure you’re not ripped off. These companies also rip you off in small amounts in part because they assume you won’t do anything about it. When you complain about it to the government agency that regulates them, they not only fix your problem but if enough people complain, they’ll fix the whole system, which helps other people.
The types of problems could be billing (they overcharge you), service (you’re not getting what you’re paying for), unfair and deceptive practices (you were tricked) or more. All of these complaint systems work in 2 weeks or less and it’s awesome. It’s sort of crazy more people don’t know about them.
Banks/student loans/credit reports/debt collectors etc: www.consumerfinance.gov/complaint/
Health insurance: Google “[state where you live] health insurance complaint” and select the government agency that will let you file a consumer complaint. It’s usually an insurance commissioner. Here’s the form for Texas for example: www.tdi.texas.gov/consumer/complfrm.html#four
Other company (home security system, eBay, Amazon, contractors): google “[your state] attorney general consumer complaint.”