Where do I file a complaint against Atome Philippines in Baguio?

Cordillera Administrative Region has no resident BSP/SEC field office; complaints from Baguio are routed via the BSP and SEC NCR online intake. Cordillera complaints route via BSP NCR intake; SEC PH has no permanent regional satellite office.

Does Atome Philippines operate in Baguio?

Atome Philippines provides loans services nationally including Baguio. Specific branch availability should be verified at https://atome.ph.

Atome Philippines Baguio, CARNo local BSP/SEC office

Atome Philippines in Baguio, Cordillera Administrative Region

Summer capital of the Philippines. Tourist-dependent economy; pawnshop and online-lending activity peaks in lean months. M Lhuillier and Cebuana Lhuillier both operate central branches.

About Atome Philippines

Singapore-based BNPL provider operating in the Philippines. Offers split-payment retail credit. Complaints include undisclosed late fees and interest charges.

National coverage caveat: Atome Philippines's presence in Baguio is documented at the national / multi-branch level. Branch-specific addresses should be verified on the company's directory before transacting.

Top issues for Atome Philippines in Baguio

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.

Public record for Atome Philippines

SEC advisory warns public against unregistered 'Atome Loan' app operated by Backoffice Associates Philippines
2026-04-01
The Securities and Exchange Commission issued a public advisory stating that the mobile application 'Atome Loan: Online Lending App' operated by Backoffice Associates Philippines is not registered and is not authorized to operate as a financing or lending company. The advisory states that the app uses the Atome trade name and logo without authority. SEC noted that the legitimate Atome operations in the Philippines are conducted by Neuroncredit Financing Company Inc. (SEC Reg. No. CS201816338, Certificate of Authority No. 1178). Consumers were directed to report violations to the SEC.

Escalation routing — Cordillera Administrative Region

Cordillera complaints route via BSP NCR intake; SEC PH has no permanent regional satellite office.

Recommended actions

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