BillEase — 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.
BillEase BNPL complaints centre on late fees and interest charges that were not visibly disclosed at the BNPL checkout — fees applied retroactively, or compounding language buried in terms-of-service that the borrower could not realistically read at the point of purchase. BillEase is an SEC-registered financing company, and the conduct sits inside RA 3765 (Truth in Lending Act) plus BSP Circular 1048 disclosure standards.
Evidence for a BNPL late-fee complaint is the checkout screenshot, the statement showing the post-hoc charge, and the original purchase confirmation. This page documents BillEase's public record, the documented complaint cohort, and the SEC EIPD filing path that converts the screenshot package into a regulator-routed complaint.
Legal basis (Philippines)
See the issue page for the full citation list. Primary statutes implicated by bnpl undisclosed late fees / interest charges include RA 11765 (FCPA, 2022), RA 3765 (Truth in Lending Act), RA 10173 (Data Privacy Act), BSP Circular 1048 / 1133 / 1160, and SEC MC 18 (2019) where applicable.
Public record — BillEase × BNPL Undisclosed Late Fees / Interest Charges
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Related questions
What are my rights if my account was charged without consent?
RA 11765 §4(g) (Financial Products and Services Consumer Protection Act, 2022) requires financial service providers to obtain explicit consent for every fee or recurring charge and to refund unauthorized debits within 15 business days of written demand. BSP Circular 1160 makes failure to refund a recordable consumer-protection violation, and the Anti-Cybercrime Act (RA 10175) and Access Devices Regulation Act (RA 8484) may apply to credit-card or e-wallet charges.
A subscription charged me after I cancelled — what can I do?
A charge taken after you validly cancelled or revoked authorization is an unauthorized charge. RA 11765 §4(g) (Financial Products and Services Consumer Protection Act) requires financial service providers to obtain and honor consent for recurring charges, and money taken without a right to demand it must be returned under Civil Code Article 2154 (solutio indebiti). Revoke the standing authority in writing, screenshot the confirmation, then demand a refund from the merchant and dispute the charge with your card issuer under RA 10870 §18. Escalate to the BSP if it is not refunded.
How do I cancel a recurring subscription that keeps charging me?
Cut it off at two points: the merchant and the money source. First cancel with the merchant through its account settings and get a written confirmation. Then revoke the standing payment authority — for a card, tell your issuer to block recurring charges from that merchant; for an e-wallet or bank auto-debit, submit a written cancellation of the mandate. RA 11765 (Financial Products and Services Consumer Protection Act) and its BSP rules require providers to obtain consent for recurring charges and to give you a workable way to withdraw it. Any charge taken after you validly revoke is unauthorized and refundable.
Related guides — BNPL Undisclosed Late Fees / Interest Charges
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Step-by-step guide to filing a complaint with the Bangko Sentral ng Pilipinas — BSP Online Buddy, consumer email, and the paper Consumer Assistance Mechanism form.
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Did this happen to you?
File a complaint and we will pre-fill your BSP, SEC, DTI, and small-claims letters.
Frequently asked — BillEase × BNPL Undisclosed Late Fees / Interest Charges
Is BillEase BSP-registered?
BillEase is operated by First Digital Finance Corporation, an SEC-registered financing company. SEC MC 3 (2022) requires online lending platforms to display the effective interest rate; BNPL fees fall under RA 3765 disclosure.
What does BillEase charge for late payment?
BNPL late fees must be disclosed at checkout under RA 3765 and SEC MC 3 (2022). Specific BillEase late-fee schedules are published in the Terms of Service; undisclosed surcharges are recoverable under RA 11765.
How do I dispute a BillEase charge?
Send a written dispute to BillEase customer support and request the disclosure mandated by RA 3765. If not resolved within 15 business days under RA 11765 §6, escalate to SEC EIPD and to BSP if a card or e-wallet was charged.
- Source:RA 3765 — Truth in Lending Act
- Source:RA 11765 (FCPA, 2022)
- Source:SEC EIPD
Can BillEase access my contacts?
No. SEC MC 18 (2019) prohibits SEC-registered lenders from accessing phone contacts; RA 10173 §13 makes contact-list processing without consent an administrative and criminal violation.