Your Rights as a Consumer and Borrower

1. A Defective Product or a Bad Service

   Write to the store or provider, say what went wrong and what you want (repair, replacement or refund), and give a deadline. If they do not act, you can complain to the DTI.

   • TemplateComplaint Letter to a business
   • GuideConsumer complaints

2. An Online Seller or a Scam

   Keep screenshots of the listing, the chat and the payment. Report to the platform, your bank or e-wallet, and the authorities quickly.

   • GuideOnline scams

3. A Lending App or Collector Harassing You

   Threats, insults and messages to your contacts are not allowed when collecting a debt. Ask for a statement of account in writing and complain to the SEC.

   • TemplateLetter to a lending company
   • CalculatorLegal interest calculator
   • GuideDebt collection harassment
   • GuideLoans and Promissory Notes

4. Your Personal Data

   You can ask a company what data it holds about you, correct it, or object to its use. If it misuses your data, you can complain to the National Privacy Commission.

   • TemplateData access or correction request
   • GuideData privacy complaints

5. Getting Your Money Back

   A written demand comes first. A claim for a modest amount of money can go to small claims court, where you do not need a lawyer.

   • TemplateDemand Letter
   • GuideDemand Letters
   • GuideSmall claims
   • GuideBouncing checks

Not legal advice. This is general information. For advice on your own situation, consult a lawyer. If you cannot afford one, the Public Attorney's Office (PAO) or an IBP legal aid office may help for free.

Government fees, rules and requirements change, so always check with the office concerned before you go. Last reviewed October 8, 2026.