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

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 Manila?

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

Atome Philippines Manila, NCR

Atome Philippines in Manila, National Capital Region

Capital city — historic financial district (Binondo, Escolta) hosts long-running pawnshop and remittance branches. BSP head office is in Manila proper; complaints lodged in person are typically routed here.

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 Manila 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 Manila

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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