The National Bureau of Investigation (NBI) is a vital law enforcement agency in the Philippines responsible for investigating criminal complaints, including those involving abusive or illegal practices by online lending companies. These lenders may harass borrowers, impose excessive fees, or violate data privacy laws. If you’re a victim of such misconduct, it’s important to act. This guide explains how to report online lending scams and abusive behavior to the NBI to help protect your rights and hold violators accountable.
Online Lending Report Guide
Step 1: Gather Necessary Evidence
Before filing a formal complaint, ensure you have the following documentation:
- Complaint-Affidavit: A sworn written statement explaining the details of your grievance.
- Evidence: This may include:
- Screenshots of harassing messages, emails, or calls from the lender.
- Copies of the loan agreement, payment receipts, or any terms and conditions.
- Proof of personal information misuse (if applicable).
Keep these documents well-organized to streamline the investigation. Also understand No Derogatory Record Meaning
Step 2: Filing Your Complaint
Option 1: Submit Online via NBI’s Reporting Portal
- Visit the NBI’s official portal at https://nbi.gov.ph/report-to-nbi/.
- Complete the complaint form and upload your supporting documents.
- Submit the report and note down any reference number provided for tracking purposes.
Option 2: File Through Email
- Prepare your complaint affidavit and supporting evidence in digital format.
- Email the documents to [email protected].
- Use a clear subject line, such as Complaint Against Online Lending Company, and include your contact details for follow-up. Also check the process of NBI appointment
Option 3: Visit an NBI Office
- If online or email submission is not feasible, visit the nearest NBI branch.
- Bring printed copies of your affidavit and evidence.
- Submit the documents to the Complaints and Records Division (CRD) or the appropriate desk.
Step 3: Follow Up on Your Complaint
Once your report is submitted, the NBI may reach out for additional information or updates regarding your case. Be proactive:
- Monitor your email or the NBI portal for any notifications.
- If you don’t receive an update within a reasonable timeframe, follow up via phone or email.
Reporting unethical lending practices helps safeguard yourself and others from potential harm. The NBI investigates these issues to address abuses and take legal action against violators. To learn more, visit the NBI website.
