> For the complete documentation index, see [llms.txt](https://www.headlesslaw.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://www.headlesslaw.com/psd2/articles/99.md).

# Article 99 — Complaints

*In force · Consolidated version of 17 January 2025 · Checked against EUR-Lex on 8 Oct 2026 ·* [*Official source*](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117)

1. Member States shall ensure that procedures are set up which allow payment service users and other interested parties including consumer associations, to submit complaints to the competent authorities with regard to payment service providers' alleged infringements of the provisions of national law implementing the provisions of this Directive.

   \[Corrected by [Corrigendum, OJ L 102, 23.4.2018](https://eur-lex.europa.eu/eli/dir/2015/2366/corrigendum/2018-04-23/oj) of 23 April 2018.]
2. Where appropriate and without prejudice to the right to bring proceedings before a court in accordance with national procedural law, the reply from the competent authorities shall inform the complainant of the existence of the ADR procedures set up in accordance with [Article 102](/psd2/articles/102.md).

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[Title IV — Rights and obligations in relation to the provision and use of payment services](/psd2/titles/iv.md) · [← Article 98](/psd2/articles/98.md) · [Article 100 →](/psd2/articles/100.md)