FCCPC urges Nigerians to report harassing loan apps, provides complaint guidelines

The Federal Competition and Consumer Protection Commission (FCCPC) has advised Nigerians to report loan apps and businesses that harass customers over unpaid debts.

The commission also provided clear steps on how affected individuals can file complaints.

Many Nigerians turn to online loan apps for quick financial relief, but some lenders resort to harassment when borrowers fail to repay on time. These tactics often include sending embarrassing messages—sometimes with photos—to borrowers’ contacts.

News Round The Clock in May 2024 reported that the FCCPC was actively working to block loan apps engaging in these unethical practices.

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Reaffirming its commitment to consumer protection, the FCCPC on Friday reassured Nigerians that no consumer should live in fear. A message posted on X (formerly Twitter) stated:

“Are you being harassed by loan apps or unfair businesses? No consumer should live in fear! The FCCPC is here for you, ensuring your rights are protected and businesses play fair.”

How to report loan apps harassing you

The FCCPC outlined the following steps for filing a complaint:

• Email: Send a complaint to contact@fccpc.gov.ng.
• Social Media: Send a direct message to FCCPC on X (@fccpcnigeria).
• FCCPC Website:
  1. Visit fccpc.gov.ng.
  2. Click on Menu > File a Complaint.
  3. Fill in your details, including name, contact address, mobile number, and email.
  4. Provide details about the loan app, including its name, contact address, phone numbers, and email.
  5. Enter the loan amount under “Cost of Purchase.”
  6. If applicable, provide the receipt number, account number, or meter number.
  7. State your complaint in the designated section.
  8. In the “Prayers” section, specify the redress you seek.
  9. Upload relevant documents (ensuring the file name matches the name entered in the “Complaint Reported By” section).
  10. Submit the complaint.

The FCCPC continues to take action against digital lenders engaging in illegal debt collection practices, urging consumers to report any instances of harassment for proper intervention.