Where do I file a complaint against Atome Philippines in Cebu City?

Filings can be lodged with BSP, SEC, or NPC online portals; in-person filings are accepted at the BSP, SEC, and NPC offices in NCR.

Does Atome Philippines operate in Cebu City?

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

Atome Philippines Cebu City, Region VII

Atome Philippines in Cebu City, Central Visayas

Capital of Cebu and headquarters of M Lhuillier Financial Services. Two documented robbery incidents at M Lhuillier branches in Naga, Cebu (June 2013) and a ₱5M jewelry heist on M Lhuillier managers near Mactan airport (April 2011) are part of the public record.

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 Cebu City 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 Cebu City

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.

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.

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.

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