How to Report Pesohere Harassment (Step by Step)
Knowing something is wrong is only the first step — knowing exactly which agency handles which type of complaint saves you from being bounced between offices. Here is the correct routing, based on the agencies' own published instructions.
Step 1: Identify what type of violation you're dealing with
Not every unpleasant interaction is the same kind of violation, and routing your complaint correctly the first time saves weeks compared to filing with the wrong agency and getting redirected.
| What happened | Correct agency |
|---|---|
| Unfair or abusive collection conduct, threats, false representation | SEC – Financing and Lending Companies Division |
| Contacted your phonebook contacts without consent, data misuse | National Privacy Commission (NPC) |
| Direct threats to your safety, extortion, cybercrime | PNP Anti-Cybercrime Group |
| Suspected identity theft or a loan you never applied for | SEC and NBI, filed together |
How to file with the SEC
1Gather your evidence
Screenshots of text messages and call logs with visible timestamps and numbers, your loan agreement or disclosure statement if you have one, and a valid government ID.
2Download and complete the official complaint form
The SEC publishes an official complaint form for lending and financing company violations, available through the SEC Lending and Financing Companies complaints page.
3Email it in with the correct subject format
Per the SEC's own published instructions, use this exact subject line format: COMPLETE NAME_RESPONDENT COMPANY_SUBJECT OF COMPLAINT (for example: JUAN DELA CRUZ_SUPER-SPACE PH LENDING INC_HARASSMENT), and include your personal email, contact number, and a Philippine mailing address in the form.
4Submit one form per company
If more than one lender is involved, file a separate form for each respondent company, as instructed by the SEC.
How to file with the National Privacy Commission
If your complaint involves your phone contacts being messaged, your photo being used without consent, or any other unauthorized use of your personal data, follow the process published in the NPC's own Citizen's Charter on Filing a Complaint. This is a distinct process from the SEC complaint above and is specifically about data privacy, not the loan terms themselves.
How to involve law enforcement for threats or extortion
If you receive direct threats of violence, extortion, or a demand for money under threat, you can escalate to the Philippine National Police through its general hotline (117) or its Anti-Cybercrime Group for online-specific threats. Keep the same evidence you gathered for the SEC complaint, since it applies here too.
Keeping yourself safe while you gather evidence
It's worth saying plainly: you do not need to engage in arguments with a collection agent to build your case. The strongest complaints are built on calm, factual documentation, not on responding to provocation. If a call or message becomes abusive, it's reasonable to simply end the call, screenshot the message, and move directly to filing, rather than trying to resolve the tone of the conversation yourself in the moment.
Should you also post publicly about it?
Many borrowers understandably want to warn others by posting publicly on Facebook groups or forums. There's nothing wrong with sharing your experience, but treat public posts as a supplement to a formal complaint, not a substitute for one. A public post does not create an official case number, does not obligate any agency to investigate, and can occasionally expose you to a defamation claim if a specific factual allegation later turns out to be inaccurate. File the formal complaint first; share your experience publicly afterward if you still want to.
What to expect after filing
Regulatory complaints are not instant. The SEC and NPC investigate based on the volume and pattern of complaints they receive, not only your individual case in isolation, so your filing contributes to a broader enforcement record even if you don't receive an immediate personal resolution. Keep a copy of your tracking number, if one is issued, for future reference.
A note on what reporting does not do
Filing a harassment complaint addresses the collection conduct. If you genuinely received and used the loan funds, the underlying obligation to repay generally still exists separately — see our article on distinguishing loan hardship from being a genuine victim for more on this distinction.
Common questions
No. Both agencies accept complaints directly from individuals without requiring legal representation, using the standard forms and processes linked above.
The SEC's formal complaint form requires your personal contact details for follow-up and to furnish you a copy of any order, so a fully anonymous formal complaint is generally not accepted, though general advisories can sometimes be submitted with less detail.
Bottom line
Match your specific complaint to the right agency — SEC for collection conduct, NPC for data privacy, PNP for direct threats — gather your evidence first, and use the official forms rather than only posting publicly on social media, which does not create an enforceable record.
Looking to avoid this altogether next time? Compare loan apps with a clean collection-practice record in the Philippines at Pesohere.top before you apply for your next loan.
Pesohere.top Editorial Team
Consumer finance research desk
We cross-check SEC, NPC, and app store records on Philippine lending apps so borrowers can verify facts before applying. Read our editorial policy.