My data was used to disburse a loan I…
My data was used to disburse a loan I never accepted
I used Fintonic to simulate loan options. I never accepted any offer. Days later, MoneyMan deposited €300 in my account with a contract I never signed, now demanding €477 back at a TAE of 5,378%.
MoneyMan confirmed in writing that they received my “application” through an external comparator, Fintonic/Atlantix. When I contacted Fintonic to understand how my data was transmitted and whether I ever consented to actual loan contracting (not just simulation), they responded that they “don’t know what conditions I accepted with third parties.”
That answer is not good enough. Fintonic is a regulated financial intermediary with direct GDPR obligations over how it shares user data with partner lenders. Passing my data to MoneyMan in a way that triggered an automatic loan disbursement, without my explicit informed consent for contracting, is a potential GDPR violation.
I have filed complaints with the Banco de España and the AEPD naming both MoneyMan and Fintonic. I would strongly advise anyone using Fintonic to read the fine print before simulating anything your data may be used to trigger loans you never asked for.
Reply from Fintonic
Our support team has reviewed your case in depth and has sent you a detailed response to the email address you used when contacting us. We encourage you to check your inbox for the full explanation and next steps.
We would also like to confirm that, according to our records, your account and data was fully deleted from our systems on January 29, 2026.
If you need any further clarification after reviewing the email, please feel free to reply directly to our support team so they can continue assisting you.