Don't let banks and insurers ignore you
Womby compares your complaint to thousands of past rulings*, giving you expert insights and a winning case letter—so you get the outcome you deserve.
"After 7 weeks of getting run around by the Bank, they suggested I get independent legal advice. Womby showed me similar cases had a 60% success rate and provided winning strategies. Armed with this knowledge, I escalated again with the Bank and got a successful outcome. Definitely recommend."
— J, Perth
How Womby Works
Our AI-powered process makes financial complaints simple and effective.
Enter Basic Details
Tell us about your institution and complaint. Our guided form makes it easy to share the essential information.
Get AI Analysis
Our AI compares your case to thousands of real complaints, identifying strengths and providing actionable insights.
Review and Take Control
Review your personalized analysis and choose how to proceed. Upgrade for a powerful complaint letter with AFCA case references.
See Womby in Action
Watch how easy it is to submit and track your complaint with Womby
Why Choose Womby
Our AI-powered solution offers unique advantages over templates or expensive claims companies.
AI-powered complaint analysis
Our advanced AI evaluates your case, identifying the strongest grounds for your complaint based on thousands of successful cases.
Personalised complaint letters
Generate professionally crafted, regulation-aware complaint letters tailored to your specific situation in seconds.
Guided escalation process
Step-by-step guidance through the full complaints journey, including escalation to the Financial Ombudsman if needed.
Time-saving automation
What would take hours to research and write is completed in minutes with our AI assistant.
Our Data Advantage
How we leverage thousands of real Australian Financial Complaints Authority (AFCA) rulings to your benefit
Comprehensive AFCA Database
Our AI model has been trained on the complete history of Australian Financial Complaints Authority rulings, giving us insights from tens of thousands of real cases and their outcomes.
Precedent-Based Approach
We identify relevant precedents from similar successful complaints to ensure your case makes the strongest possible legal and regulatory arguments.
Success Pattern Analysis
Our system analyses patterns in successful complaints to understand which approaches, phrasing, and evidence types have the highest rate of success.
Up-to-Date Intelligence
We continually update our database with the latest AFCA rulings, ensuring your complaint leverages the most recent successful cases and regulatory developments.
The Australian Financial Complaints Landscape
Every year, millions of Australians have valid complaints against financial institutions, but many never speak up.
$375M+
total monetary remedy provided to complainants in 2024
4.7M+
individual complaints made to Australian financial firms last year
623,555
complaints resulted in a monetary remedy in 2024
80,000+
complaints escalated to AFCA last financial year
Financial Complaints We Help With
Womby can assist with a wide range of financial issues.
Banking Issues
Problems with bank accounts, unauthorized transactions, excessive fees, or poor service.
Common examples:
- •Service-related issues
- •Other transaction-related issues
- •Technical problems
- •General service delay
- •Commercial practice or policy
Credit Cards
Disputes related to credit cards, charges, interest rates, or payment protection.
Common examples:
- •Unauthorised Transactions & Scams
- •Credit Defaults & Payment History Disputes
- •Incorrect Fees & Costs
- •Hardship Requests Ignored
- •High Interest Rates
Loans & Credit
Issues with personal loans, payday loans, or credit agreements.
Common examples:
- •Affordability claims
- •Early repayment penalties
- •Interest miscalculations
- •Default fees
Fraud & Scams
Help with recovering money lost to financial fraud, scams, or identity theft.
Common examples:
- •Victim of scam
- •Fraud/forgery by financial firm
- •Fraud/forgery by a third party
- •Other scam/fraud-related issues
Transactions
Issues with payments, transfers, and other financial transactions.
Common examples:
- •Incorrect payment
- •Unauthorised transaction
- •Chargeback issues
- •Dishonoured transactions
- •Mistaken internet payment
Service Issues
Problems with customer service, account management, and administrative errors.
Common examples:
- •Account administration error
- •Delay in claim handling
- •General service delay
- •Technical problems
- •Loss of documents/property
Instructions
Issues with following customer instructions or agreements.
Common examples:
- •Delay in following instructions
- •Failure to follow instructions/agreement
- •Other instructions-related issues
Privacy & Confidentiality
Issues with data protection, information security, and access to personal information.
Common examples:
- •Failure/refusal to provide access
- •Unauthorised information disclosed
- •Other privacy/confidentiality issues
Investments
Complaints about investment advice, performance, or administration.
Common examples:
- •Investment performance
- •Unsuitable advice
- •Fee transparency
- •Risk mismatches
- •Transfer delays
Insurance
Disputes over insurance claims, coverage, premiums, or mis-selling.
Common examples:
- •Claim denials due to policy exclusions
- •Coverage terms disputes
- •Cancellation of policy issues
- •Claim amount disagreements
- •Non-disclosure rejections
Advice
Issues with financial advice quality and provision.
Common examples:
- •Quality of advice
- •Failure to provide advice
- •Other advice-related issues
Charges
Disputes over fees, costs, and other financial charges.
Common examples:
- •Break costs
- •Fees/costs
- •Interest
- •Premiums
- •Foreign exchange (forex) rate
Consumer Data Right (CDR)
Issues with data collection, use, and management under CDR.
Common examples:
- •CDR data collection
- •CDR data use or disclosure
- •CDR data maintenance
- •CDR security and destruction
- •CDR data correction
Credit Reporting
Issues with credit scores, reports, and history information.
Common examples:
- •Credit enquiry
- •Credit score
- •Default listing
- •Repayment history information
- •Other credit reporting issues
Disclosure
Issues with information disclosure and transparency.
Common examples:
- •Break costs disclosure
- •Fee disclosure
- •Failure to provide disclosure documents
- •Product/service information
- •Other disclosure-related issues
What Our Users Say
Join other satisfied customers who have successfully claimed compensation.
"After getting run around by the Bank, Womby provided winning strategies and similar cases. I got a successful outcome the same day. Definitely recommend."
— J, Perth
"I got a $920 refund after using Womby to dispute unfair credit card charges."
— James, Melbourne
"The insurance company rejected my claim twice until I sent them Womby's letter."
— Priya, Brisbane
About Womby
We're on a mission to make financial justice accessible to everyone by simplifying the complaints process with AI technology.
Our Story
Womby was born from a simple observation: too many people with valid financial complaints never speak up because the process is intimidating and complex. Our founders combined their expertise in financial regulations and AI to create a tool that gives consumers the confidence and knowledge to stand up for their rights.
Our Values
Accessibility
We believe financial justice should be accessible to everyone, not just those who can afford expensive legal help.
Empowerment
We don't take over your complaint - we provide the tools and knowledge for you to navigate the process effectively.
Expertise
Our AI is trained on thousands of successful complaints and the latest financial regulations.
Fairness
We're committed to leveling the playing field between consumers and financial institutions.
Simple, transparent pricing
No hidden fees. No commissions. Just fair, fixed prices.
Free
Get started at no cost
- Immediate case review
- AI-powered complaint analysis
- General guidance on next steps
- No sign up required
Premium
For extra support
- Everything in Free, plus:
- Advanced complaint analysis with AFCA references
- Professionally polished complaint letter
- Step-by-step escalation guidance
- AFCA escalation pack if required
Money-back Guarantee
If your complaint letter isn't accepted by the institution for consideration, we'll refund your payment in full. We're confident in our service and stand behind its quality.
Resources
Free guides, templates, and educational materials to help you navigate the financial complaints process effectively.
Complaint Guides
Step-by-step guides for different financial complaints
Helpful Templates
Ready-to-use templates for common financial complaints
Educational Resources
Learn about your rights and financial regulations
Frequently Asked Questions
Answers to common questions about financial complaints