Where To File Complaint Against Credit Card Company Philippines?

Here’s where you can file a complaint against a credit card company in the Philippines:

1. Bangko Sentral ng Pilipinas (BSP)

The BSP is the primary regulator of banks and credit card companies in the Philippines. You can file a complaint for issues like:

• Unauthorized charges
• Billing disputes
• Harassment or unfair collection practices
• Hidden fees
• Deceptive marketing

How to file a complaint with the BSP:

• Online: Visit the BSP Consumer Assistance Mechanism website: https://www.bsp.gov.ph/Pages/InclusiveFinance/ConsumerAssistanceChannelsChatbot.aspx
• Email: Send your complaint details to consumeraffairs@bsp.gov.ph
• In-person: Visit the nearest BSP regional office or branch.

2. Securities and Exchange Commission (SEC)

Contact the SEC if your complaint is against a non-bank financing or lending company that also issues credit cards.

How to file a complaint with the SEC:

• Online: Visit their website and use the online complaint form: https://www.sec.gov.ph/lending-companies-and-financing-companies-2/complaints/
• Email: Send your complaint to flcd_complaints@sec.gov.ph

3. Credit Information Corporation (CIC)

The CIC is the central credit registry in the Philippines. While they don’t resolve complaints directly, you can reach out to them regarding concerns like:

• Inaccurate credit reports
• Issues related to your credit score

How to contact the CIC:

• Website: https://www.creditinfo.gov.ph/consumer-concerns

Important Tips:

• Gather Evidence: Collect any documentation supporting your complaint (card statements, communication with the company, etc.).
• Be Specific: Detail your complaint clearly, providing dates, amounts, and any relevant communication.
• Contact the Bank First: Generally, it’s advisable to try resolving the issue directly with your credit card company before escalating to regulatory bodies.