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

Collections Agencies

Atlas Financial Services

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

Customer Complaints Summary

  • 13 total complaints in the last 3 years.
  • 8 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.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:06/03/2025

    Type:Product 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.
    Was misled about the atlas mastercard requested to cancel by chat because they have no direct phone number. They had someone email me and I was told it was canceled. Still was receiving bills.emailed them again with all the emails and was told that they know how frustrating it is when you think you canceled your account.

    Business Response

    Date: 06/04/2025

    We are We Collect Inc dba Atlas Financial Services a third party collection agency located in *********, **. We are not a bank and the information provided by the consumer in this compliant does not belong to our company. 

  • Initial Complaint

    Date:04/02/2025

    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 a personal loan with Atlas Financial Services because I needed money to be able to pay for my auto insurance. It was for $1200, here it is 13 month later, I am still paying $98 a week, and my amount owed on the loan is $1206. I have paid in the past year I have paid the company $5600(?) and still not made a dent in the amount borrowed. I understand high interest rates, but this is criminal. If I continued to pay the $98 over the next year I will have paid over $10,000 on a $1,200 loan. That is not just a high interest loan, that is a fraudulent loan. Companies like this should not be allowed to prey on the poor and struggling. They keep oppress the poor further. Because of this loan we have been having to pay $500 a week. That $500 a week has been keeping us from being able to pay on our rent, we are near to eviction. If we skipped a payment of $98, that interest would only grow exponentially making it impossible to get out from. It has deeply impacted my credit score as well. What I am seeking is the money back that I have paid them. I have more than paid on the loan, if I cannot have all of my money back, than keep the originally borrowed funds, and pay us back the rest. I feel that is fair compromise. Then our business can be severed and the loan considered completed. So that my credit can no longer be impacted by this loan.According to the consumer installment loan agreement, theres an annual percentage rate of ********% which i dont recall agreeing to.

    Business Response

    Date: 04/03/2025

    We are We Collect Inc dba Atlas Financial Services a third party collection Agency located in *********, **. We do not provide any type of loan or loan services. This information provided in this complaint by the consumer does not belong to our company. 

  • Initial Complaint

    Date:12/30/2024

    Type:Service or Repair 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.
    After reviewing my credit and bank history, Atlas financial have been charging me and impacting my credit for some months. I have never heard of this company, nor signed up for such program. I have reached out on multiple occasions to cancel and reverse all reports and payments from my credit and bank. However, no one to speak with or respond to the chat service.

    Business Response

    Date: 12/30/2024

    We are a third party collection agency out of *********, **. We are not a bank. I am not able to locate a consumer in our data base by the information provided. ********* is filed with wrong company.  

  • Initial Complaint

    Date:12/13/2024

    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 am filing this complaint against Atlas **************** due to their inadequate customer support and unreasonable restrictions on account management. Despite their AI system promising same-day responses when texting their provided number, I have not received any reply to my message sent 2-3 days ago. I also called the phone number they provided, where an automated message assured me that live agents are available to assist during normal business hours. However, I was never connected to a representative, and no one ever followed up. Additionally, I have to text during normal business hours to receive assistance, which further limits my ability to resolve issues efficiently. Furthermore, I recently found a bank that best fits my needs, but I am unable to add it to my account because of an absurd limitation that only allows me to link two bank accounts. Ive changed banks several times, and none of my other credit cards impose such a restrictionother issuers allow me to add as many accounts as I want. I also submitted a formal request to update my address, email, and bank account information, but it has not been processed or acknowledged. To make matters worse, their platform does not allow me to remove or update my bank account information independently, which is both frustrating and a potential security concern. The lack of a phone number to speak to a live agent seems highly unprofessional and frankly suspiciousno legitimate financial institution operates this way. This lack of access and failure to provide adequate customer service is unacceptable for a ******************** institution entrusted with sensitive personal and financial information. I request that Atlas **************** immediately address these issues, remove the unnecessary restrictions on account management, and provide a reliable method for customers to resolve their inquiries.

    Business Response

    Date: 12/16/2024

    We are Atlas Financial Services a third party collection agency located in *********, **. We are not able to locate anyone by this name or information in our system and we do not provide any credit card or loan services.

  • Initial Complaint

    Date:12/13/2024

    Type:Product 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.
    My experience here was a very terrible one. After I had made my second deposit I was blocked out. Nothing I did worked. I was so frustrated and giving up on my money when ****** ***** came to my rescue and helped me out with the issue. I would have been in a big mess if I had not met ****** ***** ( ******************* @ G MAIL COM ) personally by emailing them privately. I wish to recommend ****** to anyone in recovery of loss. She saves me and I believe She can also save others who have run into loss.

    Business Response

    Date: 12/13/2024

    We are Atlas Financial Services a third party collection agency located in *********, ***  We do not provide any kind of loan services also the information listed in the complaint email address and employee does not belong to us. I can not locate this consumer in our data base. This seems to be directed at the wrong company 

  • Initial Complaint

    Date:12/01/2024

    Type:Product 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.
    Subdivide Is Line

    Business Response

    Date: 12/02/2024

    I have reviewed the consumer and account details provided and we have no on in our system by the information provided.

  • Initial Complaint

    Date:10/07/2024

    Type:Sales and Advertising 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 received a letter requesting payment for an unpaid parking but no specific address where the parking occurred, no specific information about the vehicle that was parked. Just a demand for *****. Why would I pay this? The number on the letter to call for more information is a non working number ***************. Because of that I did not trust going to the website ***************************************

    Business Response

    Date: 10/18/2024

    We would like to clarify our position and provide accurate information regarding the recent complaint. Our agency does not buy debt. Please be assured that our agency is committed to full compliance with all applicable state and federal regulations. We rigorously adhere to the guidelines set forth by the Consumer Financial Protection Bureau(CFPB), the Fair Debt Collection Practices Act (FDCPA), and the Fair Credit Reporting Act (FCRA). The validation letter sent is the model validation letter created and approved by the ***** Our telephone number is correct and has always been in working order. 

    If *** or Mrs. ***** has any questions or requires further assistance, they are welcome to call our office directly and a representative would be happy to assist them further. 

    Customer Answer

    Date: 10/21/2024

     
    Complaint: 22393342

    I am rejecting this response because:
    In order to resolve this complaint I need specific information identifying my vehicle was present in the lot and in violation of the rules of the parking lot. If no such evidence can be provided I consider this matter settled. Any attempt to collect money from me without the specific identifying evidence of my vehicle will result in legal action. In addition, review the phone number of the letter sent to me, because THE NUMBER IS A NON WORKING NUMBER! To say that your company provided a working number is a misrepresentation of the facts I presented. 
    Sincerely,

    **** *****

    Business Response

    Date: 11/04/2024

    In reviewing the details of this complaint the requested information was sent to the consumer on file on 10-18-24. The consumer on file is not the individual filing this complaint therefore additional info can not be added to our response but has been mailed to the consumer. The consumer has responded with a request for us to cease and desist.  As previously stated our phone number is a current and active phone number. We would be happy to help answer or provide any additional information needed. Please contact  our  office at ************** or try our local number ************ a representative would be happy to assist you. 

  • Initial Complaint

    Date:09/10/2024

    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 had opened up an account with ********************** on 7/11/24 in hopes of having my credit score back up and saving some money since opening this account I have had $2500 in direct deposits and another 200 put into my deposit account from my personal checking account. Since this account has been opened I have noticed funds that were sent back to me from merchants were never credited to my account. Also after looking into my account I had noticed they had double charged me multiple times and repeated transactions that were not done by myself some of these transactions were on the same day same time Etc. and again repeatedly occurred over and over. I have made several complaints to them that they were charging me for even transactions they had even declined and no one has made any effort into rectifying any of these matters when trying to reach someone by phone I get a message that only states to leave a message and when finally someone responded they had frozen my deposit account and refused to have my funds transferred back to my account saying that I had owed them $.900 dollars I then stated how do I owe you guys anything you can see you guys charged me for transactions that were even declined since the beginning I expressed that they did not have the right to freeze my personal deposit account just because I started complaining. About a week and a half gone by and finally a person sent me a email but never spoke on the transactions or my account details just the fact that how they work and asked was there anything more. Also they had a statement on there website that states if you enable in smart save which starts with a portion of your checks get put into a savings deposit but yet that savings was never created by them. Only just the smart save which started at $500 every two weeks but they direct deposited $500 on 7/11 another $500 7/22/ 8/7) 8/12) 8/21 ) 9/4

    Business Response

    Date: 09/10/2024

    We are We Collect Inc dba Atlas Financial Services. A third party collection agency out of *********, **. We do not provide any loan or account ********************. The company information in the screen shots provided does not belong to our company and I can not find this consumer in our data base. It seems you have the wrong company. 

    Customer Answer

    Date: 09/12/2024

     
    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.
      I found the business is That I am seeking is in ************* what can I do in this situation?
    Sincerely,

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

  • Initial Complaint

    Date:07/01/2024

    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.
    Hello, I am disputing a "missed" payment on my account- Me and my wife both did an agreement on our loans to be auto payed for $***** on the 28th of each month from our joint checking account. My wifes payment went through and atlas said the other ***** for my account was rejected by bank (due to duplicate request) bank says they see no second transaction for this, however, atlas says it was rejected. I am assuming the bank thought this was an error from atlas being same amount, date and company- this was NOT our fault and due to this we are being told this will report on my credit as a missed payment, i do NOT agree with this Funds were available and this is an error NOT of ours and error somewhere else because I held up my end of agreement if the bank rejected due to thinking it was a duplicate error from atlas I should not be penalized for this. I am also being told now I cant go back to my original agreement- i do NOT agree with this either. I offered to make the payment with another account to prevent further duplicate errors but told It still don't change anything. this is not fair at all to me - My bank declining has nothing to do with me not holding up my promise to pay , funds were there, they must of thought it was a duplicate from atlas- this is NOT my fault, please fix this!!!

    Business Response

    Date: 07/10/2024

    We are Wecollect *** dba Atlas Financial Services a third party collection agency located in *********, **********. We do not provide any loan services. We are unable to locate this consumer in our database. It seems you have the wrong company. 

    Customer Answer

    Date: 07/10/2024

     
    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:10/18/2023

    Type:Service or Repair 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.
    Harassment over a debt that doesnt exist and using gangster methods to collect something that shouldnt exist. Representing a shady loan company. This is an organized crime ring not a real collection agency. Leave me alone or have a lawsuit filed against you

    Business Response

    Date: 06/26/2024

    We would like to clarify our position and provide accurate information regarding the recent complaint. At Atlas, all debt received from our clients is thoroughly reviewed to ensure its validity and to identify any discrepancies.
    Please be assured that our agency is committed to full compliance with all applicable state and federal regulations. We rigorously adhere to the guidelines set forth by the Consumer Financial ***************** (CFPB), the Fair Debt Collection Practices Act (FDCPA), and the Fair Credit Reporting Act (FCRA).


    If ******************** has any questions or requires further assistance, he is welcome to call our office directly.

Atlas Financial Services 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, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

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.