National Privacy Commission

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    Date: 2023-08-09 06:59:12.865589


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    Date: 2023-08-17 07:44:57.278928

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OLA Harassment and Shaming Threat

Requested from NPC by A. Ramos at 06:59 AM on Aug 09, 2023.
Purpose: To investigate and regulate the OLA collectors and their company for not being fair on their fees
Date of Coverage: 08/07/2023 - 08/09/2023
Tracking no: #NPC-068470368024

Ramos 06:59 AM, Aug 09, 2023

Good Day.

 I would like to file a complaint for review regarding the Online Lending apps.

I tried getting a loan from this app and even before my deadline, they are threatening me thru text messages saying that I need to pay my loan or else they will post me in social media pages as a scammer.

Also, they even told me thru text messages that they will be contacting my facebook friends regarding my loan payment and they will post me for being a scammer.

I know that they lend me money but this is too much. The representatives even called me names like "Gago" "Kawawa" etc.

Dear Apple Ramos,

Greetings from the National Privacy Commission (NPC)!

Thank you for your request dated 29 July 2023 at 12:21 P.M. under Executive Order No. 2, s. 2016, on Freedom of Information (FOI) in the Executive Branch.

Your request

You seek assistance to file a complaint against online lending apps due to alleged threats.

Response to your request

While we aim to provide information whenever possible, in this instance, your inquiry is not a valid FOI request. Please be advised that the mandate of the NPC is to administer and implement the Data Privacy Act of 2012 and to monitor and ensure compliance of the country with international standards set for data protection. Therefore, investigating alleged threats fall beyond the scope of NPC’s mandate and authority.

However, if you still wish to file a complaint for violations of your rights under the Data Privacy Act of 2012, please refer to the guidelines provided 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 seek assistance from the following agencies listed below:

1. Unfair Debt Collection Practices - Securities and Exchange Commission  
Harassment (Section 1, SEC Memorandum Circular No. 19, series of 2019) 

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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