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

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 Makati?

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

Atome Philippines Makati, NCR

Atome Philippines in Makati, National Capital Region

Central business district. SEC Philippines and most BSP-supervised lender HQs are headquartered here, including BIR East Makati RDO that padlocked Global Mobility Service branches in 2022.

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 Makati 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 Makati

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.

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About Atome Philippines

Top issues for Atome Philippines in Makati

Excessive / Undisclosed APR (Online Lending)

Public record for Atome Philippines

SEC advisory warns public against unregistered 'Atome Loan' app operated by Backoffice Associates Philippines

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