We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Bank

Atlas by TBO Bank

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Bank.

Reviews

Customer Review Ratings

1.07

Average of 21 Customer Reviews

Want to share your experience?

Leave a Review

Review Details

  • John C

    Date: 09/11/2024

    Borrowed $1400 dollars and I’ve already paid $2500 and they are telling me I still owe $8600

    Atlas by TBO Bank

    Date: 09/12/2024

    Thank you for your recent inquiry addressed to Atlas by Bank of Orrick. We are investigating your complaint and will respond directly to the personal email account provided if we can verify your identity through our internal records. For your protection, please do not provide any personally identifiable information through the BBB reviews. Kind Regards, Atlas Team

  • Florence M

    Date: 09/10/2024

    Please everyone if you get into a financial situation please don't contact these people they try to lock you into a loan that you will be paying for 24 months, say you take out a loan for $1600 they foolishly want you to pay them back $10,000, yes this business put you in more financial crisis and should not be allowed to run such a business, please beware.

    Atlas by TBO Bank

    Date: 09/10/2024

    Thank you for your recent inquiry addressed to Atlas by Bank of Orrick. We are investigating your complaint and will respond directly to the personal email account provided if we can verify your identity through our internal records. For your protection, please do not provide any personally identifiable information through the BBB reviews. Kind Regards, Atlas Team

  • Asiah T

    Date: 09/03/2024

    I took out a loan out LAST September for $1,700. I have so far made 25 $169.40 payments which equal too $4,235 & I will pay $7,108.80 by the end of the loan. The APR of 268.2675% outrageous & 10/10 do NOT recommend. That is almost TRIPLE what I received & would NEVER take a loan out from them again. I’m so far in debt trying to pay this loan down & want to close my account & talking to someone a few months back why my payments are literally not making any progress in the loan, response was rude & dismissive. I was in desperate need of money at that time & place & that’s making it impossible making payments that aren’t going anywhere on my loan. Response it horrible & APR is WAY too high, especially for people already in a terrible position financially. I just want to close the loan & be done. They’ve taken almost triple what I asked for in 25 payments not even a year later. APR like that should be & is illegal in most states.

    Atlas by TBO Bank

    Date: 09/03/2024

    Thank you for your recent inquiry addressed to Atlas by Bank of Orrick. We are investigating your complaint and will respond directly to the personal email account provided if we can verify your identity through our internal records. For your protection, please do not provide any personally identifiable information through the BBB reviews. Kind Regards, Atlas Team Submitted: 08/29/2024

  • Axel G

    Date: 08/28/2024

    I took out a loan for $1500, only to come to realize the insane interest rates i was getting charged. I was paying $110 weekly to realize the total amount i was gonna was going to be $10,800 for just a $1500 loan. I stopped making payment because i cant afford them and have no help to cancel or make a deal. At this point this bank sold my account to a collections agency and they dont want to give me info on who to make payments to. Im getting harrassed with calls and emails about this being a criminal offense on my part. I dont know what to do.

    Atlas by TBO Bank

    Date: 08/29/2024

    Thank you for your recent inquiry addressed to Atlas by Bank of Orrick. We are investigating your complaint and will respond directly to the personal email account provided if we can verify your identity through our internal records. For your protection, please do not provide any personally identifiable information through the BBB reviews. Kind Regards, Atlas Team

  • Madison H

    Date: 08/05/2024

    I took out a loan of 1300 dollars. The application process was easy and the customer service was good but something told me to check the loan agreement paperwork that I signed because it all seemed to good to be true and I saw that I would be making a payment of 107 dollars every month for 2 years which would equal to about 9,000 dollars. My APR was 417%. Taking out a loan of 1300 and having to pay back almost 10 times of that back is ridiculous. Thankfully I was able to cancel the loan in time. I wouldn’t recommend taking a loan out with them unless you are ready to pay back what you borrowed plus a thousands more. Unfortunately I feel like this loan company is taking advantage of people in need and putting them in a never ending cycle of debt and payments.

    Atlas by TBO Bank

    Date: 08/07/2024

    Atlas by Bank of Orrick is a state and federally regulated bank that offers loans in accordance with Federal and State Laws. Our goal is to always be transparent about the costs so that our customers have all the information to make the best decision for themselves. Terms are available for review in the customer journey and the loan agreement. This includes the full repayment schedule and terms in accordance with the Federal Truth in Lending Act. Customers should always thoroughly review their loan agreement prior to signing. Additionally, customers are never charged a prepayment penalty and are encouraged to make more than the minimum payments to reduce costs over time. We encourage you to reach out to our customer service team at 888.354.1532 to assist you with your concerns.

  • KEITH H

    Date: 06/25/2024

    I took a $3000 loan in August of 2023. I have paid over $4000 from by-weekly payments of $209. I called for the payoff amount and they are telling me that the payoff is over $3000. I realize that it is a high interest loan, but something should have went to principal in 10 months.

    Atlas by TBO Bank

    Date: 06/26/2024

    Thank you for your recent inquiry addressed to Atlas by Bank of Orrick. To ensure the most efficient handling, this correspondence was forwarded to the Atlas customer service team. The team is reaching out to the customer directly to resolve any issues. Kind Regards, Atlas Team

  • Gordon B

    Date: 06/07/2024

    This company is rumored to be running on the “rent a bank” scheme. I signed up for a loan out of interest and because I could use some quick cash. I had the intention of almost immediately paying it off because there is no early payoff fee. (We will see) They bury the APR in pages upon pages of documents. And the APR they gave me was a random 428% - this is illegal in most states, laughable and downright villainous. I will keep this loan for a few days and pass all information to the Illinois AG and possibly my personal Attorney unless they can explain themselves. I feel they should also change my personal interest rate to my State’s legal maximum interest rate and adjust payments accordingly. Do a Google search of the “Bank of Orrick” in Orrick, MO. You will find an old drive thru bank (this is their only location) with a crudely painted sign that says “bank of Orrick”. Indications from other online users are that it is a scheme, scam and capitalistic atrocity.

    Atlas by TBO Bank

    Date: 06/26/2024

    Atlas by Bank of Orrick is a state and federally regulated bank that offers loans in accordance with Federal and State Laws. Our goal is to always be transparent about the costs so that our customers have all the information to make the best decision for themselves. Terms are available for review in the customer journey and the loan agreement. Additionally, customers are never charged a prepayment penalty and are encouraged to make more than the minimum payments to reduce costs over time. If you have additional questions, please reach out to us at 888.354.1532.

  • Areanna G

    Date: 02/26/2024

    I filed for a loan but it never came through. I spoke to someone whose dog kept barking in the background and she said that if it was sent to a closed account then it’ll bounce back to them and the application will be closed. They are scammers. She emailed me a document stating I would owe them $10,000 on a $1,200 loan. DONT DO IT

    Atlas by TBO Bank

    Date: 02/29/2024

    Thank you for your recent inquiry addressed to Atlas by Bank of Orrick. To ensure the most efficient handling, this correspondence was forwarded to the Atlas customer service team. The team is reaching out to the customer directly to resolve any issues.
    Kind regards,
    Atlas Team

  • Alexi D

    Date: 01/16/2024

    This is preditory lending at its worse.the annual percentage rate is 148.5955 how is this legal. I was desperate and took the offer of 3,000.00 I've paid 1345.09 but my balance is now 3303.98....how is this legal Why is this Atlas loan not in my credit report? Like a ghost company....they should be stopped from doing any business....ever.

    Atlas by TBO Bank

    Date: 01/17/2024

    Thank you for your recent inquiry addressed to Atlas by Bank of Orrick. To ensure the most efficient handling, this correspondence was forwarded to the Atlas customer service team. The team is reaching out to the customer directly to resolve any issues.
    Kind regards,
    Atlas Team

  • Michael P

    Date: 01/08/2024

    I am curious as to why this loan company would ask for a bank account number and routing number upfront without even approving the loan. They also tried to charge me $125 per month payments for 24 months, for a $400 loan! Wtf!?! $3000 total for a $400 loan? That’s highway robbery. I can get a better vig from my bookie, with less risk to my credit. I doubt they have good intentions with my account information I was forced to give them just to see if I was approved. I’ll give another review if they attempt to withdraw anything

Atlas by TBO Bank is NOT a BBB Accredited Business.

To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

Why choose a BBB Accredited Business?

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.