Where to complain if I've been cheated by a Payday lender?

The states and the federal laws do their best to protect their residents from irresponsible lenders. They restrict payday lending making lenders check whether a borrower will be able to give back the money or nor, they cap the rates and do other regulations. 

If you:

• have been treated unfairly,
• got some unauthorized charges, any additional fees or interest,
• haven’t received your money at all or anything else is wrong with your loan

you can apply to the Consumer Protection Federal Bureue (CPFB) or by calling (855) 411-2372. Besides, each state has its regulatory organization responsible for dealing with such cases.