A Nigerian man has taken to social media to call out popular loan app Easemoni_ng for what he described as a deceptive attempt to push him into fresh debt, just moments after settling a ₦53,000 loan.
In a detailed post on X (formerly Twitter), the man revealed he initially borrowed ₦44,000, but due to added interest, he repaid ₦53,000.
He thought the matter was closed — until a representative of the app reached out again.
According to him, the drama began when he tried to confirm the exact rollover charges after repayment.
A representative named Ella claimed the fee was 2%, but he pointed out that Opay, the app’s alleged partner, officially lists the charge as 1%.
Things took a strange turn when another staff member told him he still owed money and began making threats.
However, the tone quickly changed when he presented statements from the Federal Competition and Consumer Protection Commission (FCCPC), which appeared to make the agent back down.
Still recovering from the ordeal, the man was contacted again and asked to fill a “clearance form.”
But upon further scrutiny, he realized that filling the form would have automatically initiated a new loan without his consent.
He expressed his shock at nearly falling into what he described as a subtle trap, and condemned Easemoni_ng for attempting to exploit people already in financial distress.
He concluded by warning fellow Nigerians to be cautious, labeling the app and its tactics as “evil” and manipulative.
His post has sparked widespread discussion online about the ethical practices of loan apps in the country.
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Source: NewsandVibes.com
