How do I file a complaint against an online lending app?
Last updated: 2026-05-04 · Educational content; not legal advice.
Short answer
File simultaneously with the SEC Corporate Governance and Finance Department (cgfd@sec.gov.ph) for SEC MC 18 violations and with the National Privacy Commission (privacy.gov.ph) for unauthorized contact-list access under RA 10173. Both agencies can suspend the lender's Certificate of Authority and order data deletion; the SEC has revoked the licenses of multiple OLPs since 2019.
Primary sources
Frequently asked
Do I need a lawyer to file?
No. SEC and NPC complaints are administrative; you can file in writing or through their online portals at no cost.
What screenshots should I attach?
Threatening SMS, the app's permission request, group chats sent to your contacts, and the lender's listing on the SEC's published OLP list.
How long does the SEC take?
SEC's Enforcement and Investor Protection Department typically issues show-cause orders within 30–60 days; cease-and-desist orders have been issued in as little as 14 days for egregious violations.
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More questions
Do I need a lawyer?
No. SEC and NPC complaints are administrative; you can file in writing or through the online portals at no cost.
- Source:SEC PH — File a Complaint
- Source:NPC complaint portal
What if the lender is unregistered?
SEC has issued cease-and-desist orders against unregistered lenders and coordinates with Google Play Store and App Store for app removal. Report at sec.gov.ph/file-a-complaint.
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