SSS Loan Application Will Be Rejected Due to the Following Reason(s): Incorrect or Incomplete Personal Information
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SSS Loan Application Will Be Rejected Due to the Following Reason(s): Incorrect or Incomplete Personal Information
Introduction
You’ve done everything right — paid your SSS contributions, met the loan requirements, and applied online. But then, you receive a frustrating notice: “Loan application rejected due to incorrect or incomplete personal information.”
It’s a surprisingly common problem. Even a small mismatch in your records — like a wrong birth date, misspelled name, or missing bank details — can cause your loan to be denied. For SSS, accuracy isn’t just a formality; it’s a safeguard to ensure your benefits and loans are processed correctly.
Why Incorrect or Incomplete Information Matters
The SSS system matches your loan application details with the official records in its database. If any required field is missing, incomplete, or mismatched, your application cannot proceed.
Common Mismatches That Cause Rejection
Misspelled name – e.g., “Mariah” in My.SSS but “Maria” in your valid ID.
Wrong date of birth – a single digit error can block your application.
Incomplete address – missing barangay or city.
Invalid contact details – outdated phone number or email.
Bank account errors – wrong account number, non-PESONet bank, or mismatched account name.
Example Scenario
Juan applied for an SSS salary loan online. Everything seemed fine until the system flagged that his registered name was “Juan Dela Cruz Jr.” but his bank account was under “Juan Dela Cruz” (without the “Jr.”). Because the names didn’t match exactly, his loan was rejected.
Potential Causes
Outdated records from when you first registered with SSS years ago.
Errors made by your employer when reporting your information.
Typos during online registration in your My.SSS account.
Bank details mismatch with your enrolled disbursement account.
How to Fix Incorrect or Incomplete Information
Step 1: Check Your My.SSS Account
Log in to My.SSS and review all personal details.
Compare them with your valid IDs (passport, UMID, birth certificate).
Step 2: Correct Your Records
For name, birth date, or gender changes – Submit the Member Data Change Request (E-4 Form) at your nearest SSS branch with supporting documents.
For address, email, or mobile updates – Update directly through My.SSS → E-Services → Member Data Change.
For bank details – Update via the Disbursement Account Enrollment Module (DAEM) in My.SSS.
Step 3: Wait for Records to Update
SSS record updates may take a few working days to reflect, depending on the type of correction.
What You Can Do Yourself
Keep a personal record of your correct SSS details and bank info.
Regularly check My.SSS, especially before applying for a loan.
If you’ve already updated your records but the issue persists:
Visit your nearest SSS branch and bring proof of updates.
File a written request for data correction.
Follow up via SSS Hotline – Call 1455 or email member_relations@sss.gov.ph with your transaction reference number.
TL;DR (Too Long; Didn’t Read)
Your SSS loan application can be rejected if there’s any mismatch or missing personal information in your records. ✅ Always make sure your My.SSS account details exactly match your valid IDs and bank records. ✅ Update records before applying for a loan. ✅ Use the SSS Salary Loan Calculator to plan after your details are fixed.
FAQs
1. How long does it take for SSS to update my personal information? It can take 3–7 working days for simple updates, and up to several weeks for name or birth date corrections.
2. Can I update my bank details online? Yes, through the Disbursement Account Enrollment Module (DAEM) in My.SSS.
3. Do I need to submit a birth certificate for a birth date correction? Yes, PSA-issued birth certificate is required for this correction.
4. Can my employer update my personal records for me? No, you must file the update yourself, although your employer can help verify and sign forms if needed.
5. If my name on my bank account is different from my SSS record, will my loan be rejected? Yes, the names must match exactly for loan disbursement to proceed.
