In the case of CFPB, while individual complaints aren't necessarily resolved (not sure what percentage might get solved, I guess it is low), they keep stats on the quantity and kind of complaints they're getting for a given company. If there's a consistent pattern of misleading or mishandling customer transactions (I don't know what the thresholds might be) the CFPB can eventually show up at the company HQ, make themselves at home and start asking a lot of questions.
That's why it is important to report all unfair financial practices by these companies that have no support and make unilateral decisions that you can't appeal. While your case might not be resolved directly, it contributes to these stats that eventually lead to regulations that stop the abusive behavior.
That's why it is important to report all unfair financial practices by these companies that have no support and make unilateral decisions that you can't appeal. While your case might not be resolved directly, it contributes to these stats that eventually lead to regulations that stop the abusive behavior.