Digital loan-app harassment has become shockingly common in Nigeria, with borrowers recounting horror stories: personal photos shared with friends and family, public shaming via text, and relentless threats meant to break their spirit. But now, there’s a way out, and it starts with knowing exactly how to report it.
That’s where the Federal Competition and Consumer Protection Commission (FCCPC) steps in.
With its new regulations against harassment and predatory lending finally in effect, it’s time to throw the spotlight on your right to dignity—and how to demand it.
Your Harassment Escape Plan
If you’ve been threatened, shamed, or stalked by loan apps, here’s your checklist to take back control:
1. Snap Evidence Immediately
Capture screenshots of harassing messages, call logs, photos shared, or any traces of abusive contact. This is your strongest safeguard.
2. Send an Official Email
Write to FCCPC via email, outlining:
* The name of the app
* When and how the harassment began
* Include your screenshots and details of what happened
3. Send an X (Twitter) DM
Visit FCCPC’s official X handle @fccpcnigeria and send them a direct message. Quick, public, and easy to track.
4. Submit a Complaint on the FCCPC Website
Head to the FCCPC site and use the “File a Complaint” form—feature:
* Your contact details
* Details of the loan app
* Amount borrowed
* Loan terms (fees, interest)
* Description of harassment
* Uploaded evidence with consistent naming matches
5. Escalate Through Telecom or Bank
If the app used your call logs or SMS system, alert your telecom provider. If monies were deducted illegally, your bank can help with disputes or reversals.
Also Read: Nigeria’s CNG Crisis: 5 Ways Drivers Can Avoid Paying More
6. Go Public If Need Be
Facing slander or defamation? Don’t just stay silent. Contact consumer rights groups and the press—public pressure can help force action.
7. Follow Up
FCCPC typically acknowledges complaints within 1–2 working days. If days pass without reply, follow up on both email and the complaints portal.
Why Reporting Takes More Than Courage
The FCCPC regulations now back your claim with legal teeth—harassing loan apps are now clearly illegal, with possible sanctions of up to ₦100 million or 1% turnover, and directors can be disqualified.
This isn’t just about enforcement. It’s an opportunity to reclaim your privacy and dignified treatment in the digital economy. Nigerian borrowers are demanding better — and you can help be part of that change.
The New Rule
Digital lending shouldn’t end in damage to your dignity.
The FCCPC’s new rules give you a weapon—complaints filed with evidence can force accountability. If you experience harassment, don’t wait. Document it, report it, and demand redress. You owe yourself that.
