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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

  • Madison H

    Date: 08/05/2024

    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.

    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

    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.

    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

  • Areanna G

    Date: 02/26/2024

    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

    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

    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.

    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

  • cheri T

    Date: 08/10/2023

    cheri T

    Date: 08/10/2023

    This business is absolutely terrible you call and think things are straightened out and then they do just the opposite of what they say they took money from the wrong account and I ended up with over draft fees then I get a email saying they will take out 2 payments this month when I have emails stating it will be once a month they can't get things right do not do any business with them they are absolutely horrible they need put out of business for the way they do to people I'm out money on overdraft fees because of this company

    TBO Bank

    Date: 08/15/2023

    Hello, We received your BBB review. We apologize for nay issues you've encountered. Our customer service team has reached out to you directly to resolve any open issues. If you should have further questions, please contact us at ************* from 8am 5pm (Central Time) Monday Friday or at ***********************************************

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