Key Takeaway:
- You can report any abusive or illegal loan app to the FCCPC for free
- FCCPC handles loan app harassment, contact shaming, privacy abuse, and unfair charges
- Gather clear evidence like screenshots, messages, and call logs before reporting
- Submit your complaint through the official FCCPC consumer complaint portal
- Reporting a loan app does not cancel the original loan automatically
- FCCPC can investigate, warn, fine, or shut down offending loan apps
- Many loan apps stop harassment once FCCPC steps in
- Always read loan terms and app permissions before borrowing
How to Report a Loan App to FCCPC in Nigeria (Step-by-Step Guide)
Loan apps have become very popular in Nigeria. Many people use them to get fast cash for urgent needs. But some loan apps break the law. They charge unfair interest. They harass users. They shame borrowers by calling contacts. They threaten people with fake court messages.
If a loan app has treated you badly, you do not have to stay silent. You can report the loan app to the Federal Competition and Consumer Protection Commission (FCCPC). This guide explains how to report a loan app to FCCPC, what evidence to gather, and what happens after you submit a complaint.
This article is written in plain language so anyone can understand it.
What Is FCCPC?
The Federal Competition and Consumer Protection Commission (FCCPC) is a Nigerian government agency. Its job is to protect consumers from unfair business practices.
FCCPC handles complaints related to loan app harassment, privacy abuse, unfair interest rates, illegal debt collection, threats and intimidation, and false claims and fraud.
You can learn more about the agency on the official FCCPC website. If a loan app violates your rights, FCCPC has the power to investigate and act.
Common Reasons People Report Loan Apps to FCCPC
Many loan app users face similar problems. Below are the most common reasons people file complaints.
Harassment and Threats
Some loan apps call borrowers many times in a day, send insulting messages, threaten arrest without a court order, or pretend to be lawyers or police. This behavior is illegal.
Contact Shaming
Some apps access your phone contacts and send messages to friends, family, or coworkers. This practice violates privacy laws.
High and Hidden Interest Rates
Many users complain about loan apps with unclear charges. Some apps add fees without notice. If you are dealing with loan apps with high interest rates, you can see examples here.
Access to Phone Data Without Consent
Some apps collect contacts, photos, or messages without clear permission. This is a serious violation.
Fake Deadlines and False Claims
Some loan apps claim you are late when you are not. Others say your debt has doubled overnight. These actions mislead users.
Is It Legal to Report a Loan App to FCCPC?
Yes. It is fully legal.
FCCPC encourages consumers to report unfair treatment. You do not need a lawyer. You do not need to pay any fee. If a loan app has harmed you, FCCPC exists to help.
What You Need Before Reporting a Loan App
Before you submit a complaint, gather clear proof. This helps FCCPC act faster.
Required Evidence
- Name of the loan app
- Screenshots of the app profile
- Screenshots of loan terms
- Harassment messages or call logs
- Proof of payment if any
- Screenshots of contact shaming messages
Save everything. Do not edit the screenshots.
Step-by-Step: How to Report a Loan App to FCCPC
Follow these steps carefully.
Visit the FCCPC Complaint Portal
Go to the FCCPC consumer complaint portal. This is the main platform for submitting reports.
Fill in Your Personal Details
You will be asked to enter your full name, email address, phone number, and state of residence. Enter correct details. FCCPC may contact you for follow-up.
Provide Loan App Details
Fill in the name of the loan app, the company name if shown in the app, and the Google Play Store or website link. Be specific. Avoid vague descriptions.
Describe the Problem Clearly
Explain what happened in simple sentences. Stick to facts:
- The loan app sent threatening messages to my contacts.
- The app accessed my phone contacts without permission.
- The app increased the loan amount without notice.
Avoid emotional language.
Upload Your Evidence
Attach your screenshots and files. Make sure they show dates, phone numbers, and the app name. Clear proof improves your case.
Submit the Complaint
Review your details and submit the form. You will receive a confirmation message or email.
What Happens After You Report a Loan App?
After submission, FCCPC reviews your complaint, may contact the loan app, may request more proof, and may order the app to stop harassment. In many cases, loan apps stop contacting users after FCCPC steps in.
How Long Does FCCPC Take to Respond?
Response time varies. Some users get replies within days. Others wait a few weeks. The speed depends on the quality of evidence, the nature of the complaint, and the volume of reports. Be patient and check your email regularly.
Can FCCPC Shut Down a Loan App?
Yes. FCCPC has shut down several illegal loan apps in Nigeria. If an app violates consumer protection laws, FCCPC can ban the app, fine the company, or refer the case to law enforcement. Your complaint helps protect others.
Should You Still Repay the Loan After Reporting?
Reporting does not cancel your debt automatically. You should pay what you actually borrowed, ignore illegal charges, and avoid further contact with abusive agents. If unsure, wait for FCCPC guidance.
Related Resources
Many users choose loan apps without face verification because they feel safer. Even these apps must follow the law. If they harass you, FCCPC can act.
Some platforms have already faced public complaints. You can read Green City Loans reviews here to see shared experiences.
If you need money urgently, choose safer options like government-backed loans. Learn how to apply for the NYIF loan here.
Fast Loan Alternatives
Tips to Avoid Loan App Problems
- Check app reviews before downloading.
- Read permissions carefully (contacts/gallery).
- Avoid apps asking for access to your contact list.
- Screenshot loan terms before accepting.
- Repay early if possible to avoid penalties.
