Financial Planning Have a Consumer Complaint? Don’t Make This Mistake Read the Article Open Share Drawer Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)Click to share on Tumblr (Opens in new window)Click to share on Pinterest (Opens in new window)Click to share on LinkedIn (Opens in new window) Written by Mint.com Published Feb 20, 2014 4 min read Advertising Disclosure The views expressed on this blog are those of the bloggers, and not necessarily those of Intuit. Third-party blogger may have received compensation for their time and services. Click here to read full disclosure on third-party bloggers. This blog does not provide legal, financial, accounting or tax advice. The content on this blog is "as is" and carries no warranties. Intuit does not warrant or guarantee the accuracy, reliability, and completeness of the content on this blog. After 20 days, comments are closed on posts. Intuit may, but has no obligation to, monitor comments. Comments that include profanity or abusive language will not be posted. Click here to read full Terms of Service. If you have a gripe with a company — and let’s face it, at some point, everyone has a gripe with a company — here’s a cautionary tale about complaining. It comes to us by way of Tracey Phillips. She had a problem with a hotel’s change policy. Specifically, every time she changed the date of her stay, the hotel insisted on charging her a fee, which is an increasingly common problem. Instead of the grassroots approach to problem-solving, which I always recommend — in other words, starting with a real-time resolution at the lowest level, and working your way up — Tracey went straight to the top. She wrote an impassioned letter to the CEO, asking for a one-time exception to the hotel’s rules. And, no surprise, she hasn’t received a response yet. Phillips’ instincts are understandable. She may have endured a series of “nos” from call center employees or front-desk workers before she finally gave up and fired off a letter to the company’s top executive. There are no authoritative surveys on the average response rate for a chief executive, but my experience as a consumer advocate tells me it’s very low, probably less than 1 percent. Sure, a handful of caring CEOs take the time to respond and fix the problem, but they’re few and far between. Generally, the best you can hope for is that the executive will ask an assistant to forward your emails or letters back to the customer-service department, where they will generate yet another form response. At worst, the complaint will go into the old circular file, and you’ll never hear from the company again. So who do you complain to? Start at the bottom. Problems with any business are best resolved in real-time with an employee. Whether you’re dealing with a hotel or a cable TV company, the person in front of you now is your first stop on the complaint train. Employees are often empowered to fix a problem right away. I just heard from a former car rental company employee who admitted that his company integrates these fixes, which can range from a 10 percent discount to a comped car rental, into employee training. Work your way up, slowly. A polite, in-person appeal to a manager can work wonders to fix any customer grievance, because these supervisors often have even more ways to fix your problem. They can override a reservations system, match a price and even zero out your bill you’re unhappy. But you don’t get if you don’t ask. Here, of course, politeness is incredibly important. Some of my misguided colleagues also like to say, “You don’t get if you don’t ask” — but what they really mean is: “If I don’t have my way, I’m going to stomp my feet and flash my platinum card until you give up.” That’s not only rude, but it’s also bad for everyone, because it further deteriorates the relationship between companies and their customers. The pen is mightier. At some point, when you’ve walked out the front door, you’ll have to switch to the written word. After you’ve exhausted the opportunities for a real-time resolution, you’ll want to start a reliable paper trail, which usually begins with an email sent through the company’s website. This may seem like a waste of time, but it isn’t. Remember, an email thread can be forwarded to a supervisor after you receive a form denial. A promise by phone? There’s no proof your call was ever made. I list the names and email addresses of most mid-level customer service VPs on my consumer advocacy website. When all else fails, appeal to the CEO. Ever wonder which appeals to a top executive are successful? Well, other than your good manners and brevity, which count for a lot, it’s the strength of your case. If you can prove that you’ve gone through the process of complaining in person and in writing, and have worked your way up the chain, then you’re far likelier to get a positive resolution. Then — and only then — should you take your grievance all the way to the top. Remember that the “no” you get from the top might be the company’s final answer, so don’t ask until you’ve exhausted all other avenues. After Phillips contacted me, she decided to bump her complaint a few levels down. Good call. She’s still waiting to hear back from the hotel. I’m hoping for the best. Christopher Elliott is a consumer advocate who blogs about getting better customer service at On Your Side. Connect with him on Twitter and Facebook or send him your questions by email. 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