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Business Profile

Bank

TBO Bank

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

  • 109 total complaints in the last 3 years.
  • 62 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:11/22/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I took out an emergency loan thinking my payments would be 132/biweekly. I login to see i owe more than what I borrowed and have made 5 payments already. This is such a scam - profiting off those struggling the most. DO NOT USE. READ ALL THE REVIEWS!

    Business Response

    Date: 11/22/2024

    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 will reach out to the customer directly to resolve any
    issues.

    Kind Regards,
    Atlas Team

  • Initial Complaint

    Date:11/16/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I just got a loan from atlas by to bank accidentally I really didn’t mean to get this loan and I haven’t received the money I would like to cancel it before I get the money becuase I really can’t afford paying the amount they asking

    Business Response

    Date: 11/18/2024

    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 will reach out to the customer directly to resolve any
    issues.

    Kind Regards,
    Atlas Team

  • Initial Complaint

    Date:11/14/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Somehow an account was created under my name and information with this company and I’ve tried multiple times to reach them to get the account closed and my money refunded but they will not respond. The only response I got was them saying no money was taken out of my account but I have proof and now they won’t respond to my emails at all.

    Business Response

    Date: 11/15/2024

    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 will reach out to the consumer directly to
    resolve any issues.

    Kind Regards,
    Atlas Team

    Customer Answer

    Date: 11/15/2024



    Complaint: ********



    I am rejecting this response because:

    No one is bothering to even contact me back and I am wanting a refund and account deleted, not an email. 

    Sincerely,



    ****** ********

    Business Response

    Date: 11/20/2024

    TBO Bank has done an extensive investigation into the complaint and cannot verify the existence of any payment or account associated with Ms. ******** We believe Ms. ******** has filed a complaint with the wrong company. We encourage her to research online '$8.99 Atlas credit card membership fee" and reach out directly with **************** to resolve the dispute. "****************" is not affiliated with Atlas Personal Loans by TBO Bank in any manner. 

  • Initial Complaint

    Date:10/17/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This company claims I signed up for a 200$ loan for a 392% interest rate so far they’ve gotten 709$ over the last year without me noticing I am in the middle of putting claims in.
    I’ve been living check to check trying to survive out here and you got companies like this screwing people over. I never gave them approval to do all of this and am unsure of how they got my info. No one on earth would sign up for a 200$ loan at 392% interest rate!!!

    Business Response

    Date: 10/19/2024

    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 will reach out to the customer directly to resolve any
    issues.

    Kind Regards,
    Atlas Team

  • Initial Complaint

    Date:10/14/2024

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I applied for a 1400 dollar loan from this company. I got the loan and gave them permission to draft my account on my paydays. A month went by and I wondered if they were getting paid because I didn’t see it on my statement. Long story short, they were trying to get the money on the day I get paid but too early before the money hit my account. Now I’m nearly three payments behind and I never got an alert about my payments even though they have all my contact info. I couldn’t even find the agreement made with them anywhere until I backtracked in my browser and that’s when I found out I was behind. The kicker and the main reason I am here is because they are predatory as I realized I am on the hook for a 398% APR which means for 1400 dollars I will owe them over 10,000 dollars and that makes no sense.

    Business Response

    Date: 10/15/2024

    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 will reach out to the customer directly to resolve any
    issues.

    Kind Regards,
    Atlas Team

    Customer Answer

    Date: 10/16/2024



    Better Business Bureau:



    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.




    Sincerely,



    ****** ******

  • Initial Complaint

    Date:10/08/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I took a $1600 dollar loan from you guys at the end of June. I have already paid back the total amount of the loan and plus some! I’m not understanding why there is over 300% interest rate, (which is not legal to do so) I sent an email asking why my total just kept going up and wouldn’t change after I made a payment and you guys only responded with saying that the faster I pay the loan the less the interest rate would be. Even though I have already paid it back! It doesn’t make sense that taking a $1600 dollar loan turns into having to pay over $9,000 back? So therefore I’m not understanding what I need to keep paying if I already paid the loan back and more in 3 months! I would really appreciate some answers that will help figure out what we need to do to resolve this situation.

    Business Response

    Date: 10/10/2024

    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 will reach out to the customer directly to resolve any
    issues.

    Kind Regards,
    Atlas Team

    Customer Answer

    Date: 10/10/2024



    Complaint: ********



    I am rejecting this response because:

    I have already reached out to the business before and nothing was done, my questions never got answered either. I feel as though I’m not getting the proper help needed. I’m being scammed and I will not be paying anything else until someone contacts me about what’s going on and fixes my issue. 

    Sincerely,



    ******* *******

    Business Response

    Date: 10/15/2024

    Thank you for your recent inquiry addressed to Atlas by Bank of Orrick. We continue to try to work through the process with *** ******* to find a mutually agreeable solution. 

    Kind Regards,
    Atlas Team

  • Initial Complaint

    Date:09/30/2024

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am a working single mom, also going to school, and I needed help with rent and found Atlas online and took out a $1200 loan. $107.22 comes directly out of my paycheck every Friday and my balance only keeps rising due to an APR of 348.0430%!!! How is this right? I have been paying on this loan for three months and my balance is $1,642.95. I am now fearing eviction and I would like my account settled and closed because I technically have paid this loan off already. Please please help me. I can't even receive my degree because now I cannot afford my last two classes.

    Business Response

    Date: 09/30/2024

    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 will reach out to the customer directly to resolve any
    issues.

    Kind Regards,
    Atlas Team

    Customer Answer

    Date: 10/02/2024

     

    Better Business Bureau:



    I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me.




    Sincerely,



    ******* *********

  • Initial Complaint

    Date:09/26/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I borrowed over 700 dollars from this company about a few months ago. I agreed to pay them 95 dollars twice per month for at least 4 to 5 months. I called them not too long ago to find out when will this loan be paid off. The agent told me it will take around 24 months to pay this loan off because they charge 6.22 each day. That was something that I was not aware of. They advise me to make extra payments to pay this off. If I were to only pay 95 dollars bi-weekly per month, they said I will have to pay this off in another 44 payments which is 24 months. I have never heard of that before and I feel like I'm being ripped off. So far I paid them 475 dollars.

    Business Response

    Date: 10/07/2024

    The Bank of Orrick attempted to contact the consumer directly by email on September 26, 2024 in an attempt to find a mutually agreeable resolution related to is complaint. There was an processing error that resulted in a response not being provided to the BBB. The Bank of Orrick will continue to try to work directly with a customer on the resolution.

  • Initial Complaint

    Date:09/25/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I recently took an emergency loan with this company in the amount of $1200. After making 6 payments totaling over $800, I checked today to see how much was still owed on my loan. It is somehow saying that I still owe over $1100! Making my apr over 300% which is illegal in Ohio! Not only that why is a loan and ON TIME payments not being reported to any credit reporting angency? This company is taking advantage of people!

    Business Response

    Date: 09/26/2024

    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 will reach out to the customer directly to resolve any
    issues.

    Kind Regards,
    Atlas Team

  • Initial Complaint

    Date:09/19/2024

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I entered into a loan with this provider not then knowing that they charge illegally high interest rates. It is a rate of over 300%, my states maximum is 38%. I have already payed them over $1000 and they expect over $3000 more, for a loan of $800.

    Business Response

    Date: 09/23/2024

    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 will investigated the complaint and reach out to the customer directly to resolve any
    issues once they've had time to gather some background information.

    Kind Regards,
    Atlas Team

TBO Bank is NOT a BBB Accredited Business.

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