How to Report Loan Apps That Are Harassing You (Step-by-Step Guide)

Hey everyone 👋,

I’ve been seeing a lot of people in the community complain about loan apps sending threats, calling family members, or even exposing personal info online. That’s not just wrong - it’s illegal.

So I wanted to quickly share how you can report these apps and protect yourself (or someone you know) from this kind of harassment.

🛑 First off, what does “harassment” look like?

If a loan app is doing any of these, you have a case:

• Sending threats to you or your contacts
• Publicly shaming you with messages or photos
• Constantly calling/messaging your friends or family
• Using your personal data without permission

These are violations of your rights - and they can be reported.

✅ Here’s what you can do:

1. Gather your evidence 📸

Take screenshots, save voice notes, emails, call logs - anything that proves what they did.

2. Send a complaint to FCCPC (they handle these cases)

• Email: [email protected]
  👉 Include your full name, the app name, what happened, and attach the evidence.
• Online Form:
  Go to fccpc.gov.ng > File a Complaint
  (Simple form—just fill it out with your story and upload your proof)
• Social Media Option:
  You can also tag/report on Twitter (X) to @fccpcnigeria if you're not getting a response.

🔎 What happens after?

FCCPC investigates the app and can take legal or regulatory action - like shutting them down, removing them from app stores, or issuing penalties.

They’ve already banned some shady apps before 👏 so your voice really matters.

💡 Bonus Tip:

Before using any loan app, check if it’s legit by looking at FCCPC’s approved list:
👉 Click here

💬 Let’s talk

If you’ve been harassed by a loan app before (or know someone who has), feel free to drop your experience below or ask questions. This thread might help others too!

We’re in this together 💪