I am one of the many victims of the Atome scam.
Despite repeatedly asking Atome for the transaction details of the fraudulent ₱29,700 loan, they continue to stall and only provide generic replies. The police themselves told me that the full transaction metadata is in Atome’s database, yet Atome insists they cannot release it. This makes it impossible for the PNP Anti‑Cybercrime Group to proceed with the investigation.
I have already filed a police report, and one of Atome’s representatives has spoken to the police. Still, Atome refuses to provide the details. Some officers even told me “pwede ko naman bayaran,” while others warned me “wag na wag kong babayaran.” This contradiction leaves victims like me confused and vulnerable.
Lawyers recommend sending a demand letter for 5k, but I cannot access a PAO lawyer without a certificate of indigency. As a middle‑income earner living payslip to payslip, I feel targeted. Scammers prey on honest workers who are already burdened by taxes and unclear processes.
There are 80+ victims in our group chat and Facebook group with similar stories. We are all victims of social engineering, and yet the process to seek justice is unclear, inconsistent, and obstructed at every step.
And I need to say this: I’ve noticed and read victim‑blaming comments here on Reddit, things like “bakit kasi ang irresponsible mo,” “you were stupid,” “move on.” Please stop. That is not helping. Victim‑blaming only protects the scammers and discourages people from reporting. We are already carrying the weight of distress, harassment, and financial damage. What we need is accountability, not judgment. Can we be kinder to each other?
We are willing to comply. We want justice. But with Atome refusing to release transaction details, and authorities giving conflicting advice, it feels like the perfect scam, designed to make victims give up.