How to Report Online Lending to NBI Philippines

The National Bureau of Investigation (NBI) in the Philippines plays a crucial role in addressing complaints against illegal activities, including unethical practices by online lending companies. These companies may engage in harassment, data privacy violations, or exorbitant charges. If you’ve experienced such issues, here’s a step-by-step guide on how to report them effectively.

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Step 1: Gather Evidence

Before filing a complaint, compile all necessary evidence to support your case. This documentation will strengthen your report and expedite the investigation process. Ensure you have the following:

• Complaint Affidavit: A sworn written statement detailing your complaint and the incidents that occurred.
• Supporting Evidence:
  • Screenshots of harassing messages, emails, or calls from the lender.
  • Copies of the loan agreement, payment receipts, or terms and conditions.
  • Proof of unauthorized use of your personal information, if applicable.

Organize these documents systematically for easy reference.

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Step 2: File Your Complaint

You can report unethical online lending practices to the NBI through the following methods:

Option 1: Online Submission via NBI Portal

1. Visit the NBI’s official reporting portal: https://nbi.gov.ph/report-to-nbi/.
2. Complete the complaint form with all the required information.
3. Upload your supporting documents, including your affidavit and evidence.
4. Submit the report and save the reference number for tracking purposes.

Option 2: Email Submission

1. Prepare your complaint affidavit and supporting documents in digital format.
2. Email your complaint to [email protected].
3. Use a concise subject line, such as Complaint Against Online Lending Company.
4. Include your contact details for follow-up inquiries.

Option 3: In-Person Filing at an NBI Office

1. Locate the nearest NBI office and visit during business hours.
2. Bring printed copies of your affidavit and supporting evidence.
3. Submit your documents to the Complaints and Records Division (CRD) or the designated desk.

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Step 3: Monitor Your Case

After submitting your report, the NBI may contact you for additional information or updates. Here’s how to stay proactive:

1. Monitor Communications:
   • Check your email regularly for updates.
   • Log in to the NBI portal to track the status of your case if you submitted it online.
2. Follow-Up:
   • If there’s no response within a reasonable time, contact the NBI through their hotline or email for updates.

By filing a complaint, you help hold online lending companies accountable for their actions and contribute to protecting others from similar abuses.

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Key Points to Remember

• Confidentiality: The NBI ensures that your identity and complaint details are handled discreetly.
• Documentation: Providing comprehensive evidence is crucial for a successful investigation.
• Persistence: Follow up consistently to ensure your complaint progresses.

For more information on filing complaints or accessing related services, visit the official NBI website at https://nbi.gov.ph.

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By taking these steps, you can actively contribute to addressing unethical lending practices and safeguarding consumer rights in the Philippines.