How do I file a complaint about Abusive or Threatening Loan Collection?

File a complaint on LabanPH (labanph.org/complaints/submit). We pre-fill formal letters for BSP, SEC, and DTI. It's free and takes 5 minutes.

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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.

Documented Cases

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Escalated / Verified

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With Amount Disputed

Legal Basis in the Philippines

• SEC Memorandum Circular 18 (2019) — prohibits profanity, threats, harassment, and calls outside 6am–10pm
• BSP Circular 1048 — applies prohibited collection practices to BSP-supervised entities
• RA 9995 (Anti-Photo and Video Voyeurism Act) — covers collection tactics using private images
• Revised Penal Code Art. 282 — grave threats by collector may constitute criminal liability

Documented Cases

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Relevant guides

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Step-by-step, citing SEC MC 18 (2019) and the FinCare e-portal

How to file a SEC complaint against an online lending app

Step-by-step guide to filing a Securities and Exchange Commission complaint against a Philippine online lending app — SEC MC 18 (2019), evidence checklist, and the FinCare portal.

Cease-and-desist letter, evidence pack, and regulator filing

How to respond to illegal debt collection — a step-by-step playbook

How to respond to illegal debt collection in the Philippines — SEC MC 18, BSP Circular 1160, cease-and-desist template, evidence pack, and regulator complaint paths.

Common questions

How do I file a complaint against an online lending app?How long does an SEC complaint take?What is the SEC MC 18?Can creditors call my employer in the Philippines?