Unfair Debt Collection Practices and Consumer Rights Violations
I’ve decided not to pay my bills with them in advance anymore. They’re quick to chase payments when they’re due but fail to appreciate customers with a strong payment history. Moreover, their debt collection practices are unjust and harassing—calls are nonstop regardless of the time or day of the week. This violates several consumer protection laws, including Republic Act No. 10173 (Data Privacy Act of 2012) for excessive and unauthorized disclosure of personal information, as well as Republic Act No. 7394 (Consumer Act of the Philippines) for unfair debt collection practices. Additionally, their actions may also be in violation of SEC Memorandum Circular No. 18, Series of 2019, which regulates unfair debt collection harassment, including excessive calls, threats, and public shaming.