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Business Profile

Bank

TBO Bank

This business is NOT BBB Accredited.

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Reviews

Customer Review Ratings

1.23

Average of 26 Customer Reviews

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Review Details

  • Jurmeine S

    Date: 07/01/2025

    Requesting loan cancellation within same day of application. I am acting legally within my contract deadline which stated 3 days of application or prior to funds being deposited to my bank account. I have submitted a request to ***** ******* customer service, ** *** ***** and all supporting team. Message was left with ******* *******, an employee of TBO bank who recorded this cancellation. I no longer wish to do business with this company as their interest rate is 283% which was not communicated prior to creating my account and executing on this loan.

  • Jessica M

    Date: 06/27/2025

    I don't even want to give it a star. Such a scam. I borrowed $800 and now they are saying I owe over $5500. I cannot afford this. This needs shut down. Interest rate over 300

  • Robert P

    Date: 06/27/2025

    Robert P

    Date: 06/27/2025

    I generally didn’t have a problem with them until I noticed that the settlement payment balance that I have been paying for months hasn’t been going down for at least two months. It’s been $936 for a while even though it should be somewhere in $800s. I tried emailing them six days ago, got no response. I wrote a follow up email, and still no response. I even tried logging into my account which I have never had a problem with in the past, but like the email, I’m getting nothing.

    I feel it’s wrong to pay a balance that should be going down but isn’t. That’s throwing money away. I want to know why it’s not going down and why no one is responding to my emails..

    TBO Bank

    Date: 06/27/2025

    Thank you for providing this feedback. It has been escalated for investigation and our Customer Service team will reach out to you directly to resolve.

    Best Regards,
    TBO Bank

  • Emily J

    Date: 06/22/2025

    Emily J

    Date: 06/22/2025

    I took out $2000 loan from ATLAS by TBO Bank, paid over two thousand already, but it didn't put a dent on the actual loan! It still says I owe $ 2255! What the heck! When I went to the website, they won't let you see your payment schedule. Is there anything the government can do about this predatory loan shark? Taking advantage of people that are already in desperate situations. Don't ever get a loan from them! 0 rating! Horrible company!

    TBO Bank

    Date: 06/24/2025

    TBO Bank is a regulated financial institution. Additionally, customers are required to review and sign appropriate disclosures prior to originating the loan and the payment schedule is available on the disclosures along with cost of debt. TBO Bank strives to work with our valued customers. Your review has been forward to our Customer Service team, they'll reach out directly to discuss available options.

  • Gerald M

    Date: 06/20/2025

    Gerald M

    Date: 06/20/2025

    They take too long to get back to me. They have yet to respond to my email, and it’s hard to get in contact with them through the phone.

    TBO Bank

    Date: 06/23/2025

    Mr. ****** - Thursday June 19, 2025 was a Federal and the bank was closed which could be impacting funding. Your inquiry has been forwarded to our Customer Service team to reach back to you directly as soon as possible.

  • Valencia J

    Date: 06/12/2025

    Valencia J

    Date: 06/12/2025

    Hi I recently took out a loan with TBO bank for a loan worth $1200 and recently went back to check my account and notice it says I will be paying back over $3100. I had to recently take out loan to pay my attorney and not sure if I would have to get another attorney involved to have this loan closed with a settlement amount as TBO has also input an APR% to my account of 446.6866% which is illegal and above the legal MO APR limit. I need assistance before reaching out to an attorney thanks. I’ve also made over a few payments and seen my remaining balance is not going down. I need assistance to reach a complete settlement before going to a lawyer. Because $3100 is absolutely insane.

    TBO Bank

    Date: 06/16/2025

    Thank you for providing feedback, our customer service teams are available. Our team is working to investigate and respond directly. It is important to note, TBO Bank is based in Missouri. We have a branch in a local community in the city of Orrick where our operations are based. TBO Bank is an FDIC-insured bank and NOT a state licensed lender. This means we are regulated by the FDIC and the state of Missouri. The loans are governed by Missouri state and federal laws, which allows the bank to provide this loan product. Please contact our customer service team at 888.354.1532 to discuss in more detail.

  • Christina K

    Date: 04/02/2025

    Christina K

    Date: 04/02/2025

    Has anyone received any response from TBO other than the form AI response to every review I have read? Yes, when you are in financial distress sometimes reading the fine print of contracts or believing in greedy, mean-spirited entities is not at the forefront of your mind. I agree - stay away from TBO!!!!!!!!!!!!!!!!

    TBO Bank

    Date: 04/03/2025

    Thank you for providing feedback, our customer service teams are available. Our team is working to investigate and respond directly. It is important to note, TBO Bank is based in Missouri. We have a branch in a local community in the city of Orrick where our operations are based. TBO Bank is an FDIC-insured bank and NOT a state licensed lender. This means we are regulated by the FDIC and the state of Missouri. The loans are governed by Missouri state and federal laws, which allows the bank to provide this loan product. Please contact our customer service team at 888.354.1532 to discuss in more detail.

  • Adrian H

    Date: 03/28/2025

    Adrian H

    Date: 03/28/2025

    The bank at hand is charging well over any bank and is robbing me of my hard earned money. I don't think 308% apr is fair and I want to know is there away that they can fix this?

    TBO Bank

    Date: 04/01/2025

    Thank you for providing feedback, our customer service teams are available. Our team is working to investigate and respond directly. It is important to note, TBO Bank is based in Missouri. We have a branch in a local community in the city of Orrick where our operations are based. TBO Bank is an FDIC-insured bank and NOT a state licensed lender. This means we are regulated by the FDIC and the state of Missouri. The loans are governed by Missouri state and federal laws, which allows the bank to provide this loan product. Please contact our customer service team at 888.354.1532 to discuss in more detail.

  • Branden L

    Date: 03/22/2025

    Branden L

    Date: 03/22/2025

    What is the maximum interest rate allowed by law in Minnesota?
    6 percent
    Minnesota statute limits interest rates to 6 percent in general, and 8 percent for written contracts. Exceptions to the limits include state banks, state credit unions, dealers under the SEC Act, and loans secured by savings accounts…

    So I got a loan from atlas bank for 2000 thinking it would be easy to pay back and would help with emergency repairs to our vehicle. Unfortunately to my surprise after making a few payments I logged on to see how much I had dented The loan down and I am being charged an interest rate of 238 percent. Minnesota laws allow 6 percent max! So either this company is not paying attention to legalities of the states they are doing business in or are just operating illegally.. any help would be sufficient on how to proceed before I file a court complaint for fraud.

    TBO Bank

    Date: 04/01/2025

    Thank you for providing feedback, our customer service teams are available. Our team is working to investigate and respond directly. It is important to note, TBO Bank is based in Missouri. We have a branch in a local community in the city of Orrick where our operations are based. TBO Bank is an FDIC-insured bank and NOT a state licensed lender. This means we are regulated by the FDIC and the state of Missouri. The loans are governed by Missouri state and federal laws, which allows the bank to provide this loan product. Please contact our customer service team at 888.354.1532 to discuss in more detail.

  • Nikketra M.

    Date: 03/07/2025

    Nikketra M.

    Date: 03/07/2025

    I recently got a loan from this scamming company.... I borrowed 1,500 just to find out I'll be paying well over 6,000 back!!!!! That's impossible and I can not afford to pay way more than what I borrowed!!!!! I need answers and if I don't receive any ill be contacting my lawyer!!!! Shouldn't be allowed to do this

    TBO Bank

    Date: 03/11/2025

    Thank you for providing feedback, our customer service teams are available. Our team is working to investigate and respond directly. It is important to note, TBO Bank is based in Missouri. We have a branch in a local community in the city of Orrick where our operations are based. TBO Bank is an FDIC-insured bank and NOT a state licensed lender. This means we are regulated by the FDIC and the state of Missouri. The loans are governed by Missouri state and federal laws, which allows the bank to provide this loan product

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