HELP! I received money from a loan company but I never applied for or borrow from them
UPDATE!!! AS OF 08.19.2026 Someone has contacted me claiming that they are the intended recipient of the funds. They called me a few times, so SUPER takot ko kasi baka ayan na. Ayan na yung scammers na mangha-harass sa akin.
But before interacting with them, I had already reported the incident to GCash, but they basically told me that they don't have the capability to reverse the transaction. Lala, di ba?
I also emailed BSP and SEC, as some Redditors suggested (tysm!!!!!). However, I wasn't able to file my complaint with the SEC because the form requires evidence that I had already reached out to the lending company before filing a complaint. I couldn't find the company's contact details online, so I called SEC customer service to ask what I should do, and they gave me information about the lending company. They said it was from a TikTok TrustLoan. BUT! There is also a post from the SEC saying that someone is using the loan company’s name, so....
I contacted the lending company, but no one was answering their phones. Jusq. I also emailed them, but still got no response.
Anyway, I contacted the person who was claiming the money and asked for some personal details JUST to be sure. After verifying their information, I decided to send the money back to them. They seemed legit naman since I also saw that their information matched the loan form they showed me (as well as some screenshots from tiktok CS). The only mistake was that one number was entered incorrectly, which caused the money to be sent to me instead. Malas lang na ako yung nasendan at ako yung nastress haha.
Let's just pray that the lending company won't come after me or make me pay for the loan. Lol.
That's it! This experience taught me a lot of lessons: 1st, SUPER hirap humingi ng human help kay GCash. Puro BOT!! 2nd, Maganda palang dumiretso at tumawag agad sa government agencies para mas mabilis masagot ang inquiries. 3rd, Please, please, PLEASE triple-check the numbers, especially when making money transactions.
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Hi, someone sent money to my GCash account, but I believe it may have been sent by mistake. The transaction appears to be from a loan company, but I have never applied for or taken out a loan with them.
I’m concerned that this could be a scam where money is intentionally sent to the wrong account and the sender later contacts the recipient. Also, Gigi is so frustrating. I can't file a ticket as it said they don't have a specific info for this type of incoming transaction??? STRESS!! Gusto ko lang naman ibalik yung pera kasi baka nga namali lang but wala pang nagmemessage or natawag sakin (but di ko rin naman sasagutin yung tawag kasi baka mahack ako hsjhd). Anyway, ayoko ako mismo ang magbalik nung money. I want Gcash to handle this since iyon din yung advice ni Gigi. Saan ko ba makikita yung ticket to file this??? Gigi just keep going around in circles.