National Privacy Commission

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    Date: 2023-09-16 19:41:59.385177


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    Date: 2023-09-21 13:43:50.576509

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Report Regarding A Data Privacy Breach and Online Harassment by MocaMoca Lending App

Requested from NPC by L. Estrella at 07:41 PM on Sep 16, 2023.
Purpose: To stop this OLA (MocaMoca and Valleyloan ) from harassing me and my family/friends online.
Date of Coverage: 09/15/2023 - 09/16/2023
Tracking no: #NPC-002272522890

Estrella 07:41 PM, Sep 16, 2023

Good day,I would like to report a case regarding these OLA that keeps on harassing me and my family through messages and calls.They even send emails that threaten to expose my personal information and IDs which is clearly a breach of contract by our agreement.

1.)These online lending apps (MocaMoca,Valleyloan) keeps on spamming my phone number and personal facebook account with messages filled with threatening messages (e.g. Papapuntahan ka namin sa barangay ninyo at ipapahiya ka namin.Mukhang di ka naman nahihiya na bayadan utang mo,pwes magharap tayo sa barangay ninyo.)

Dear Lhei Avin Estrella,

Greetings from the National Privacy Commission (NPC)!

Thank you for your request dated 16 September 2023 at 07:41 P.M. under Executive Order No. 2, s. 2016, on Freedom of Information (FOI) in the Executive Branch.

Your request

You want to report an online lending app namely MocaMoca and Valleyloan due to alleged harassment and threats to expose your personal information.

Response to your request

While we aim to provide information whenever possible, in this instance, your inquiry is not a valid FOI request but a complaint to which the filing should follow the process provided under the NPC Citizen’s Charter.

Executive Order No. 2, s. 2016, provides for the guidelines on full public disclosure and transparency in the public service which covers only access to information, official records, public records, and to documents and papers pertaining to official acts, transactions or decisions, as well as to government research data used as basis for policy development.

In this regard, complaints and request for clarification on data privacy violations should follow the guidelines provided for in the Citizen’s Charter of our agency, which you may access through this link:

Furthermore, to address your concern regarding alleged harassment, you may also consider to seek assistance from the following agencies listed below:

1. Unfair Debt Collection Practices - Securities and Exchange Commission  

Harassment (SEC Memorandum Circular No. 19 Series of 2019 Section 1) 

Corporate Governance and Finance Department   

E-mail Address:   
Telephone Number: +63 (8) 818-7264

Financing and Lending Companies Division

E-mail Address:
Telephone Number: +63 (8) 818-5990

2. Other forms of Harassments/Threats/Fraud/Scam   

NBI Cybercrime Division   

E-mail Address:   
Telephone Number: +63 (8) 562-6228

PNP Anti-Cybercrime Group   

E-mail Address: &   
Telephone Number: +63 (8) 723-0401 local 7491

Your right to request a review

If you are unhappy with this response to your FOI request, you may ask us to carry out an internal review of the response by writing to Privacy Commissioner and Chairman Atty. John Henry D. Naga at Your review request should explain why you are dissatisfied with this response and should be made within 15 calendar days from the date you received this letter. We will complete the review and tell you about the result within 30 calendar days from the date we receive your review request.

Thank you.

FOI Officer

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