Documented Issue Types
Every issue type with documented complaints. Click to see related cases, legal basis, and how to file.
Remote Engine Kill / MCCS Disable
Vehicle remotely disabled via MCCS kill-switch without court order or proper notice. Loan was current at time of disable.
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GPS Tracker Malfunction
GMS-installed GPS device caused vehicle electrical faults, false disable signals, or physical damage.
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Tracker Not Removed After Loan Settlement
GMS Philippines refused to remove the MCCS device after the loan was fully settled.
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Unauthorized GPS Data Sharing
Location and movement data shared with third parties without the borrower's written consent.
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Tracker-Caused Financial Loss
Remote disable or malfunction caused direct income loss — missed trips, fines, or vehicle damage costs.
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Remittance Overcharge / Rate Discrepancy
Quoted exchange rate differed from actual payout rate, or undisclosed fees reduced the amount received.
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Pawnshop Undervaluation
Appraisal value significantly below fair market value or competitor quotes for the same item.
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Hidden or Undisclosed Fees
Charges not disclosed at point of transaction or buried in loan documentation.
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Loan Terms Not Properly Disclosed
Interest rate, fees, or amortization schedule not clearly explained before signing.
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Contact-List Access / Debt Shaming
Lending app accessed phone contacts without consent and used them to shame or pressure the borrower — calling family, friends, or employers about the debt.
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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.
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Abusive or Threatening Loan Collection
Collector used threats, profanity, public humiliation, or called outside permitted hours. Prohibited under SEC Memorandum Circular 18 and BSP Circular 1048.
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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.
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Refusal to Release Cancellation of Mortgage
Loan fully paid but the bank refuses or fails to issue the Cancellation / Release of Real Estate Mortgage needed to clear the title encumbrance at the Registry of Deeds.
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Vehicle Repossession Without a Court Order
A financing or lending company took, or threatened to take, a mortgaged motorcycle or vehicle by force, tow, or intimidation without the borrower's consent and without a court order. Philippine law has no self-help repossession: recovery of the collateral is by voluntary surrender or a court replevin action (Rules of Court, Rule 60); forcible seizure can be grave coercion (Revised Penal Code Art. 286). SEC-registered financiers are also bound by RA 11765 and SEC rules.
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Wrong / Unauthorized E-Wallet Transfer
Money sent to the wrong GCash or Maya number, or an unauthorized debit from an e-wallet, that the provider has not reversed or refunded. E-money issuers are BSP-supervised; disputes run through the provider's FCPAM and then the BSP Consumer Assistance Mechanism.
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Hospital Demanded a Deposit / Refused Emergency Care
A hospital or clinic demanded a deposit or advance payment before giving basic emergency care, or refused/failed to treat an emergency or serious case. This is prohibited by the Anti-Hospital Deposit Law (RA 10932, amending RA 8344): staff face imprisonment and/or a ₱100,000–₱300,000 fine, the responsible director/officer ₱500,000–₱1,000,000 and 4–6 years, and the hospital's license is revoked after three violations. Complaints are filed with the DOH Health Facilities Oversight Board under the HFSRB (RA 10932 §6).
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Hospital Detaining a Patient / Remains Over an Unpaid Bill
A hospital is holding a discharged patient — or withholding a deceased relative's remains — because the bill is partially or fully unpaid. This is prohibited by the Anti-Hospital Detention Act (RA 9439, 2007): under §2 the patient must be allowed to leave upon executing a promissory note for the unpaid amount secured by a mortgage or a co-maker who is jointly and severally liable, and under §3 a violating officer or employee faces a ₱20,000–₱50,000 fine, or 1–6 months imprisonment, or both. Private-room patients are excepted.
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