BillEase
Not BSP supervisedSEC RegisteredPhilippine BNPL and personal loan provider. SEC-registered financing company. Provides installment credit for online and in-store purchases.
https://billease.ph ↗₱0
in damages claimed against BillEase in the last 30 days
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Complaints
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Calculate Your Damages
Enter your figures. The calculator produces a printable Exhibit A worksheet for small claims / BSP filings. Caps apply without evidence upload toggle.
Damages
Your damages estimate
₱1,000.00
Sources: DOLE NCR Wage Order (DO 241-24, effective Nov 4 2024) · BSP Circular 1160 (2022) · A.M. No. 08-8-7-SC Revised Rules on Small Claims (2016). Caps of ₱500k per line without evidence are conservative guardrails — not legal advice.
Worker Witness Reports
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Witness Wall
View all →First-person testimonies from BillEase customers — anonymized, PII-redacted, consent-flagged. Self-reported unless cited to public record.
Documented Issue Types
Excessive / Undisclosed APR (Online Lending)
Effective annual percentage rate — including processing fees, insurance, and other charges — far exceeds what was advertised or the BSP Circular 1133 cap.
BillEase × Excessive / Undisclosed APR (Online Lending)
BNPL Undisclosed Late Fees / Interest Charges
Buy-Now-Pay-Later provider charged late fees or interest not clearly disclosed at checkout, or applied fees retroactively.
BillEase × BNPL Undisclosed Late Fees / Interest Charges
Accountability Ledger
View all →Public officers, directors, and attorneys of record — all cited to SEC PH filings, court records, and public documents. No editorial; facts only.
View Accountability Ledger for BillEase →Public Record
View all →Court decisions, regulator orders (BSP, SEC, NPC, BIR), and major news-documented incidents involving BillEase. Every entry cites a primary source.
No public-record entries documented yet.
View Public Record for BillEase →User Reviews & Complaints
View all →1-2 star Play Store reviews for BillEase, categorized by issue (contact-list shaming, hidden fees, abusive collection, etc.). Refreshed weekly.
View User Reviews for BillEase →App Permissions
View all →Declared Android app permissions for BillEase, reviewed against SEC Memorandum Circular 18 (2019) which prohibits PH lending apps from accessing contacts, SMS, or call logs.
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Frequently asked questions about BillEase
Is BillEase BSP-registered?
BillEase is operated by First Digital Finance Corporation, an SEC-registered financing company. SEC MC 3 (2022) requires online lending platforms to display the effective interest rate; BNPL fees fall under RA 3765 disclosure.
What does BillEase charge for late payment?
BNPL late fees must be disclosed at checkout under RA 3765 and SEC MC 3 (2022). Specific BillEase late-fee schedules are published in the Terms of Service; undisclosed surcharges are recoverable under RA 11765.
How do I dispute a BillEase charge?
Send a written dispute to BillEase customer support and request the disclosure mandated by RA 3765. If not resolved within 15 business days under RA 11765 §6, escalate to SEC EIPD and to BSP if a card or e-wallet was charged.
- Source:RA 3765 — Truth in Lending Act
- Source:RA 11765 (FCPA, 2022)
- Source:SEC EIPD
Can BillEase access my contacts?
No. SEC MC 18 (2019) prohibits SEC-registered lenders from accessing phone contacts; RA 10173 §13 makes contact-list processing without consent an administrative and criminal violation.
Pwede bang i-cancel ang BillEase installment plan?
Oo, basta hindi pa naa-claim ang item at nasunod ang return policy ng merchant. Sa cancellation, ang remaining installments ay dapat kanselahin at ang anumang charge ay irefund within 15 business days under RA 11765.
- Source:RA 11765 (FCPA, 2022)
What evidence supports a BillEase complaint?
Checkout screenshot showing fees, the in-app contract, the transaction receipt, and any threatening collection messages. Save SMS and call logs as evidence for SEC MC 18 violations.
Will BillEase report me to the credit bureau?
RA 9510 (Credit Information System Act) authorises reporting to the Credit Information Corporation only by accredited entities; SEC-registered financing companies must follow RA 9510's accuracy and dispute-resolution rules.
Can BillEase call my employer?
No. SEC MC 18 (2019) prohibits SEC-registered lenders from contacting your employer, family, or any third party other than a co-maker on the loan, without prior written consent.
Saan mag-file ng reklamo laban sa BillEase?
Mag-file sa SEC EIPD (cgfd@sec.gov.ph) at sabay sa NPC kung may unauthorized data processing. Pwede ring mag-file ng small claims kung ₱1,000,000 pababa ang amount.
- Source:SEC PH — File a Complaint
- Source:NPC complaint portal
- Source:A.M. No. 08-8-7-SC — Small Claims Rules
How long does BillEase have to refund unauthorized charges?
RA 11765 §4(g) and BSP Circular 1160 require refund of unauthorized debits within 15 business days of written demand. Failure to refund is a recordable consumer-protection violation.
- Source:RA 11765 (FCPA, 2022)
- Source:BSP Circular 1160 — IRR of RA 11765
Better Alternatives
File a Formal Complaint
Others affected?
If multiple customers share the same complaint pattern, we can coordinate a group regulator filing or class action.
Join or start a class →Coordinated Filings
Live cohorts and group BSP/SEC/DTI filings involving BillEase.
More about BillEase
BillEase by City
City-specific landing pages with public record + escalation routing.