If you’re being harassed by a loan app—through threats, defamatory messages, or unauthorized access to your contacts—you’re not alone.
Thousands of Nigerians face this daily.
The good news?
You can fight back by reporting them.
In this guide, we’ll show you exactly how to report abusive or fake loan apps to:
- FCCPC (Federal Competition & Consumer Protection Commission)
- NITDA (National Information Technology Development Agency)
- Google Play Store
This helps protect you, and also helps get illegal loan apps banned from the country.
🚨 First: What Counts as Loan App Abuse?
If you’ve experienced any of the following, it’s time to report:
- Public shaming or defamation
- Threats of arrest, EFCC, or police
- Accessing and messaging your contacts
- Harassing calls or messages multiple times a day
- Fake legal letters or debt recovery agents
- Extremely high daily interest rates (e.g. 5% per day)
👉 Read: What Loan Apps Can and Can’t Do in Nigeria
✅ Step-by-Step: How to Report to FCCPC
📌 FCCPC Reporting Form
The FCCPC created a dedicated portal for digital loan app abuse.
🔗 Report here:
👉 https://fccpc.gov.ng/digital-loan-app-reporting-form/
What You’ll Need:
- Name of the loan app
- Your full name and phone number
- Description of what happened
- Screenshots (WhatsApp chats, SMS, app interface)
- Links to their Google Play listing or website
✅ Tip: Be clear and detailed. The more proof you give, the faster they act.
🛡️ How to Report to NITDA (for Privacy Violations)
NITDA handles issues where your data was misused or shared without consent.
🔗 Send your complaint to:
📧 info@nitda.gov.ng
📧 dpo@nitda.gov.ng
What to Include:
- Your name and phone number
- A brief explanation of the data abuse
- Screenshots of messages or contact defamation
- Name of the app and any contact details
👉 Learn: How Loan Apps Access Your Contacts—And How to Protect Them
📱 How to Report a Loan App on Google Play Store
If the app is still on the Google Play Store, you can report it and leave a review to warn others.
✅ Steps:
- Open Google Play Store
- Search for the loan app name
- Scroll to the bottom of the listing
- Tap “Flag as inappropriate”
- Choose reasons like:
- “Sexual content or harassment”
- “Illegal activities”
- “Misleading or fraudulent”
✅ Also leave a review detailing your experience and warning others.
🚨 What Happens After You Report?
- FCCPC can ban or delist the app
- NITDA may investigate and issue fines
- Google Play may remove the app if multiple reports are made
- Some apps are forced to change policies or leave Nigeria
This process takes time, but every report makes a difference.
👉 See: Complete List of Aggressive Loan Apps in Nigeria
🔐 Bonus: What to Do While Waiting for Action
While the authorities handle your report, take these steps to protect yourself:
- ✅ Block the app’s numbers via Truecaller
- ✅ Craft a disclaimer to protect your contacts
- ✅ Stop reading threatening messages—they’re meant to scare you
- ✅ Backup your real contacts, then clear your Google account (if necessary)
👉 How to Craft a Disclaimer Message for Loan App Harassment
👉 The Emotional Toll of Loan App Harassment—and How to Heal
🙌 Final Word: You Have the Right to Fight Back
Illegal loan apps thrive on fear, silence, and shame.
But you have power:
- Power to say “no” to intimidation
- Power to protect your name and your contacts
- Power to report and get them shut down
Every report helps the next person.