If your complaint can't be dealt with by the Tribunal, another organisation may be able to help.
Australian Financial Complaints Authority (AFCA)
AFCA is the new external dispute resolution scheme for financial services complaints, and it will start accepting complaints on 1 November 2018. (The Tribunal will accept complaints made on or before 31 October 2018.)
Financial Ombudsman Service
The Financial Ombudsman Service considers complaints about financial services including banking, credit, loans, general insurance, life insurance, financial planning, investments, stock broking, managed funds and pooled superannuation trusts made on or before 31 October 2018. (Complaints made on or after 1 November 2018 must be made to AFCA - see above.)
Australian Taxation Office (ATO)
The ATO is the principal revenue collection agency of the Australian government, and it administers the major aspects of Australia's superannuation system. The ATO may be able to assist with information and complaints about an employer not paying the compulsory superannuation on your behalf, or about self-managed superannuation funds.
Phone: 13 10 20
Australian Securities and Investments Commission (ASIC)
ASIC is Australia's corporate, markets and financial services regulator. ASIC may be able to assist with enquiries and complaints relating to consumer protection matters in securities, futures, life insurance, general insurance, deposit-taking activities and the supervision of superannuation funds.
Phone: 1300 300 630
MoneySmart is a website that provides information to help people make smart choices about their personal finances. It is created and run by ASIC and offers free, independent guidance.
Australian Prudential Regulatory Authority (APRA)
APRA is the national prudential regulator of banks, insurance companies, superannuation funds, credit unions, building societies and friendly societies and its responsibilities include ensuring that the institutions it regulates meet the promises they make to depositors, policy holders and superannuants.
Phone: 1300 558 849
The Commonwealth Ombudsman investigates complaints made about the administrative actions and decision of Commonwealth government departments and agencies to see if they are wrong or unfair, and seeks remedies for the individuals affected.
Phone: 1300 362 072