Chioma Ogbu, an Akwa Ibom-based civil servant, has recounted to FIJ how Camel Loan, a fintech loan agency, is currently making her life miserable over a N6,000 loan she did not apply for.

Speaking with FIJ, Ogbu said that she was scrolling through her phone on July 11 to access some state government loans when she came across Camel Loan.

She stated that she was still reading their policies when she noticed that N6,000 had been disbursed into her account.

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“I was on the app reading their terms and conditions when I saw that N6000 had been disbursed into my account,” she told FIJ.

“I ransacked their app to see how I could refund it, but there was nothing like that.”

Ogbu said that 10 days later, she received a call from the loan app threatening to defame and expose her bank details if she if didn’t pay N13,000.

“While I was seeking how to return the money, I got a threat call from one of their agents, who said I had to pay back N13,000.

“I tried to explain that I didn’t use the money for anything. What do I need N6000 for? It is ridiculous compared to what I am seeking.

“When I begged the agent and he didn’t relent, he began to share defamatory messages about me to my contacts, and I started getting calls. When I could no longer bear the shame, I paid back the N13,000.”

The civil servant said despite paying more than twice what was disbursed to her, she received another call from the agency that she needed to clear the interest her loan had accumulated.

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“The day after paying the loan, another agent from Camel Loan called and said I had to pay N2,600 to clear the interest accumulated on the loan,” she told FIJ.

“When I tried to protest it, he also went ahead to share defamatory messages about me. I had to quickly pay another N2,600. That’s a total of N15, 600 for a loan I didn’t apply for, which is so painful.

“Today again, another agent called to say I hadn’t cleared my loan. I don’t understand what is going on. Camel Loan is making my life miserable.”

When FIJ called the number of the agent who defamed and threatened Ogbu, the phone number was unreachable. A text message sent to the number had not been responded to at press time.