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

Consumer Finance Companies

Atlas - Rewards Credit Card

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Finance Companies.

Important information

  • Customer Complaint:
    Atlas Rewards Credit Card came to the BBB’s attention in May 2023.
    A review of complaints was completed in July 2025.

    Consumers are urged to review the bottom of the home page on the
    company’s website for information related to the services provided and membership
    fees.

    https://www.atlasfin.com/

Complaints

Customer Complaints Summary

  • 334 total complaints in the last 3 years.
  • 287 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:07/30/2025

    Type:Customer Service 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 filing this complaint regarding the poor customer service and lack of adequate support from Atlas Reward Card. My account was suddenly restricted without any clear explanation, and when I attempted to resolve the issue, I discovered that there is no immediate or accessible support team available.I was informed that I must wait 72 hours before a support representative can even speak with me about my account issue. This delay is unacceptable, especially since my funds and rewards are currently inaccessible during this time. As a customer, I expect prompt assistance, especially when the company takes unilateral action that impacts my account ***************************** Reward Cards support structure is clearly inadequate to handle complaints and urgent account issues. There is no direct phone line or live chat to speak with someone immediately, leaving customers stranded for days without resolution. This is unacceptable for a financial service that holds customer funds and promotes itself as a reliable rewards program.I am requesting that the BBB investigate Atlas Reward Cards customer support practices and hold them accountable for their failure to provide timely and reasonable assistance. I also seek immediate resolution of my account restriction and assurance that such extreme delays will not occur in the future.Desired Resolution:Immediate review and reinstatement of my account.Assurance that customers can reach a live representative in a timely manner for urgent matters.A review of Atlas Reward Cards support policies to ensure other customers are not subjected to unreasonable delays

    Business Response

    Date: 07/31/2025

    Hi ****,

    Were sorry to hear about your experience. Our Support Team has been actively assisting you and your account has been successfully unpaused following confirmation of the flagged transactions.

    We appreciate your cooperation and understanding these security measures are in place to help protect our users.

    If you need any further assistance, please dont hesitate to reach out to us *********************************************************************.

    Thank you,
    Atlas Support

    Customer Answer

    Date: 07/31/2025

    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:07/25/2025

    Type:Service or Repair 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.
    My paycheck was directly deposited to them and I still havent received it and I tried contacting them and they said give them a few days even though it has already been sent by my employer. Ive never received a card to withdraw my money. Ive been given the run around about my funds and thats bill money. I only get paid 1 a month.

    Business Response

    Date: 07/26/2025

    Hi ****, we're sorry to hear about your experience and truly appreciate you bringing it to our attention. Our Support Team has informed you of a known issue currently affecting ACH processing, which has caused a temporary delay in posting payroll. We assure you that our team is actively working to resolve the issue and your balance will be automatically updated as soon as the payment is received.

    We sincerely appreciate your patience and understanding during this time.

    Thanks,
    Atlas Support

    Customer Answer

    Date: 08/01/2025

    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. Because I closed my account and transferred my deposits to another place.

    Sincerely,

    **** ******

  • Initial Complaint

    Date:07/24/2025

    Type:Customer Service 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.
    Opened an Atlas account, my account has been restricted for days and I have not been given a reason, I have tried numerous Chat supports and calling the listed numbers and no response, I have completed to ID verification, I want my $60.00 that was direct deposited from my employer put back into my bank account and I am not paying the $8.99 membership fee for something I can't use or have access to

    Business Response

    Date: 07/25/2025

    Hi *******, were sorry to hear about your recent experience and appreciate you reaching out. We can see that our support team has verified your account details, removed the restriction and confirmed to you. In case you are in need of further assistance, please don't hesitate to reach out at ******************************************************************.

    Thank you,
    Atlas Support

  • Initial Complaint

    Date:07/22/2025

    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 canceled this acct then they will want to chat with you within 24 to 48 hours to confirm. They do their chat on this site to cancel your account. Then you woukd have to reactive your account once again to state yes you ******* cancel your acct. They then charge you another $8.99 to become active once again with out you realizing. I tried calling them they have option but when you select an option it states they have no one answer phone to go to the chat. I will have to pay bank fees to get them not to charge my bank acct due to them do ach withdraws.

    Business Response

    Date: 07/25/2025

    Hi ********, were sorry to hear about your recent experience and appreciate you reaching out. I can confirm that our Customer Support team has successfully closed your account, refunded the fees and communicated this with you.
    If you need any further assistance, please dont hesitate to contact us ********************************************************************* were always happy to help.

    Thank you,
    Atlas Support

  • Initial Complaint

    Date:07/21/2025

    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.
    This company has taken 4.99.out my account since 2/2024. I've never received A card. I left a .message and emailed about cancelation and money keeps getting withdrawn from my account. I am asking for ****** money ***** refunded as I've asked for cancelation almost a year ago.

    Business Response

    Date: 07/22/2025

    Hi ****, we're sorry to hear about your experience. I can confirm that our Customer Support team has successfully closed your account, issued a refund for two months of fees and communicated the details with you.
    If you need any further assistance, please dont hesitate to reach out to us at ************************************* were always here to help.

    Thank you!

  • Initial Complaint

    Date:07/21/2025

    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.
    My payment is due on July 24th. They paid themself automatically on July 17th and July 21st. before the due date.

    Business Response

    Date: 07/22/2025

    Hi *****, thank you for reaching out. Our Support Team has already addressed your concern regarding the SmartPay feature and shared details on how it works, along with guidance on managing your Atlas account. It seems you may have missed our latest response. If you have any further questions or need additional assistance, please dont hesitate to contact us at ******************************************************************.
    Thank you.

    Customer Answer

    Date: 07/22/2025

    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:07/21/2025

    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.
    So I received a letter from this business in the mail and acted on it and then I decided to start putting some of my check in this account and I paid for a yearly subscription but the other day they wanted me to ID myself, mind you this is months after I have been doing business with them and have had no problems with the card and I like that they reported the payments and could possibly help my credit go up but I sent them my ID twice and they said that didn't work or something and then they locked my account and I get paid next week and now I can't even touch my money and I did go in and stop the payment but now they're saying they are only going to give me 15 dollars back now mind you all this was started with my money so they get to keep my money and they are also keeping my yearly subscription as well and stated they are only giving me 15 dollars back but all they started with was 10 dollars and the rest of the money is mine. This company is definitely scamming people and then blocking you from accessing your own money and not refunding the money as promised because they can't tell me when I'm getting a refund and they can't tell me why I'm not getting my money back from the subscription so update now they say they gave me the money back from the subscription but even though the money that started the account was mine they are saying I owe them money and they are keeping 169 dollars of my money and I get back 15 dollars which is wild to me because they loaned me 35 dollars but now they are keeping 169 dollars of my own money and someone definitely needs to look into this company to see how many people they are doing this way and how much extra money they have kept from customers

    Business Response

    Date: 07/22/2025

    Hi *****, we're sorry to hear that you feel this way. Our support team has shared your transaction ledger, which details how $169.43 from your deposit was applied toward settling your account balances. If you have any further questions or concerns, please dont hesitate to reply to that thread or reach out to us at ************************************* we're here to help.
    Thank you!

    Customer Answer

    Date: 07/22/2025

     
    Complaint: 23629294

    I am rejecting this response because:
      I have been using my own money for transactions and you all did not give me anything so I don't accept this response and still feel like you all are scamming people and taking their money when they cancel your accounts because you have given me nothing but 35 dollars so you guys should not be allowed to keep my funds after I cancelled the account and I am looking into filing a civil lawsuit against this company because no matter how you say it, you guys are getting to keep my money and giving me nothing in return for it and the 15 dollars you guys have offered back was declined and can not go back into my account for some reason. So that makes me feel like it was a scam and my bank stopped the credit from hitting my account 
    Sincerely,

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

    Business Response

    Date: 07/22/2025

    Hi *****,

    We can see that our Support Team has further explained how your *********** works. Your available spend balance is calculated by subtracting your outstanding balance from the total of your deposit on file and the credit extended by Atlas.
    This means your deposit contributes to your *********** along with any unsecured credit. In your case, the outstanding balance was settled using the deposit already on file, so you were not charged again.
    Regarding the $15 refund, please share your bank details so we can process the refund. For further questions, please respond to our email from ******************************************************************.

    Thank you,
    Atlas Support

    Customer Answer

    Date: 07/23/2025

     
    Complaint: 23629294

    I am rejecting this response because: I still don't agree with the outcome or resolution and I definitely don't trust this company enough to give out my banking information through an email so just send a check but I still plan on having this company investigated because I think y'all are stealing money from people instead of giving them their money after they cancel 

    Sincerely,

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

  • Initial Complaint

    Date:07/18/2025

    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.
    Atlas takes 8.99 out of my account every month. Im not using their services. I have numerous chats asking them to stop taking money and to cancel my account. They do not allow you to speak with anyone. They refuse to help me. This is outrageous.

    Business Response

    Date: 07/22/2025

    Hi *******, we are sorry to hear about your experience. We have closed your Atlas account and refunded the fee payments. The credit will reflect on your bank account within 3-5 business days.
    Should you need any further assistance, please dont hesitate to reach out to us at ******************************************************************.
    Thank you!

  • Initial Complaint

    Date:07/18/2025

    Type:Customer Service 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.
    An app was downloaded on my phone and the wrong information was put on my phone. The app kept telling me i needed to complete the onboarding profile. I called the ********************** and was told a payment was processed on June 3, 2025 form ************. Since i didnt receive the payment i was told by the SS office that i would need to close the ************ account and i called ************ @ ************. I was informed that i would have to call Atlas because it was connected with ************.. After i called the phone number i was told i would have to go online and do a chat on the app.

    Business Response

    Date: 07/25/2025

    Hi *******, we are sorry to hear about your experience and thank you for reaching out. We are working with ************ to return your funds. As soon as we have an update, we'll share with you.

    Thanks,
    Atlas Support

  • Initial Complaint

    Date:07/18/2025

    Type:Service or Repair 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.
    this app is a scam, in 2023 I opened an account found out it was a scam and I attempted to close the account, after finding out there wasn't a way to close the account in disconnected my card and forgot about them. I opened a new bank account in 2025, they somehow got connected to it, and charged me 8.99 per month for every month I never used it over the 2 years. my check hit, they saw it and took my money, their response did you forget you opened an account with us? They give you no way to close the account or remove the bank account from the app. And I want a refund immediately. They stole my money from my business account, it wasn't even my money they stole.

    Business Response

    Date: 07/22/2025

    Hi *******, we're sorry to hear about your experience. I can confirm that our Customer Support team has been actively assisting you. As per the latest update, theyre awaiting your confirmation on whether you'd like to keep or close your account, given the recent transaction.
    Please let us know your preference and the team will proceed accordingly.
    Thank you.

    Customer Answer

    Date: 07/22/2025

    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,

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

Atlas - Rewards Credit Card 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.