How to File a Complaint with the FCCPC (Step by Step)
The consumer-protection commission has real teeth against abusive digital lenders — if your complaint is built right. The full walkthrough.
The Federal Competition and Consumer Protection Commission (FCCPC) is the frontline regulator for consumer abuse by digital lenders in Nigeria — and it has form: apps have been investigated, sanctioned and removed from stores after borrower complaints piled up. The machine works when you feed it properly.
Step 1 — Build the file (do not skip)
Follow our documentation guide first: app identity, loan amounts and dates, screenshots of the abuse, contact-list messages, and your repayment receipts. A regulator can only be as sharp as your evidence.
Step 2 — File through the official channel
Submit via the FCCPC’s official complaint channels (the consumer portal on its website — fccpc.gov.ng — or the contact routes published there). Avoid third parties and social-media “agents” who promise to file for you; they harvest data.
Step 3 — Write it like a case summary
Structure the complaint in this order: (1) your name and contact; (2) the app’s exact name and developer; (3) loan date, amount disbursed, amount demanded; (4) a dated list of the abusive conduct; (5) what is attached as evidence; (6) the remedy you seek. Keep it to a page. Attach screenshots as images. State facts, not fury.
Step 4 — Track and escalate
- Save your complaint reference number the moment it is issued.
- Follow up politely in writing every two weeks, adding any new abuse with dates.
- If your contacts were messaged, also file with the data-protection regulator — their data was used without lawful basis, which is a separate violation.
- If the file is closed with no action, request the closure reasons in writing; that letter strengthens a later legal demand.
What outcomes look like
Realistic results: the lender is forced to stop the conduct, the app faces investigation or removal, and in clear-defamation cases borrowers have recovered settlements. The commission cannot forgive your debt — repay what you truly owe through official channels while the case runs. You are fighting the abuse, not the arithmetic.