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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

  • 337 total complaints in the last 3 years.
  • 289 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:04/10/2025

    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 found an app called Atlas that was supposed to help build and monitor credit with most customers being accepted in seconds for a ********************** card or something. I downloaded the app and went through all the prompts which include linking a bank account before the app is accessible to navigate. I was gathering information as you could not advance the process without pressing prompts to fill out sensitive information. At no point in time did the app mention during its adverts and multiple click prompts of monthly membership. It was misleading and said credit builder credit monitor and talked about people using the card to increase credit scores in short amount of time. As soon as I get to the home page I have automatically been enrolled and had a balance of $8.99. My account was already in bad standing. It was pressuring me to activate my credit card and activate my account that they would provide to the address I had already given or get a virtual one. I closed the app and decided to look over the app later after researching reviews online about the navigation. I genuinely thought I'd pressed the wrong button because I certainly would have not signed up. I just wanted information on what they offer and how they'd help me. After reading up online and watching the tutorials on the app and also seeing that there is no way to cancel your account after linking your bank information plus customer service is impossible to get in touch with, I decided to chat with customer service A/I bot through chat. I realize now that I probably won't get a response that makes sense for my situation. I haven't used any service other than downloading the app provided information asked. I have not activated any cards they provide or made any purchases. I haven't even been associated for more than three days! I would like to have my account and information permanently deleted as this feels like a violation of my personal information. Why would I pay for services I haven't received? Why?

    Business Response

    Date: 04/15/2025

    Hi *********,
    I can confirm that our Customer Support team has successfully closed your account and communicated this with you.
    Should you need any further assistance, please dont hesitate to reach out to us at ************************************* were always happy to help.
    Thank you,

  • Initial Complaint

    Date:04/10/2025

    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.
    I started the process for the atlas card and linked my bank account. But I didn't want to sign up for a membership I was just looking at what was offered. Now it is taking money from my account and I tried to chat with me and it's going to take days to hear back. I want the money that is pending to come out of my account reverse and I don't want anything to do with atlas.

    Business Response

    Date: 04/15/2025

    Hi *******,
    I can confirm that our Customer Support team has successfully closed your account and communicated this with you. Also, they've issued the refund for the fee and it's already reflecting on your account.
    Should you need any further assistance, please dont hesitate to reach out to us at ************************************* were always happy to help.
    Thank you,

  • Initial Complaint

    Date:04/09/2025

    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.
    I am filing a formal complaint against Atlas Financial regarding the unjust handling and closure of my secured credit card account, which resulted in financial loss and credit score damage.I opened an Atlas account to build **********************, and I funded it with direct deposits from my employer. I was never issued an unsecured credit line or cash advance. Every dollar used was from my own earnings. Despite this, my account was abruptly restricted and then closed for security reasons, with no valid explanation or evidence of a violation. I verified my identity as requested, yet the closure still *********** the time of closure, I had over $80 in available fundsfrom my own depositswhich were then labeled unsecured credit and used to cover a supposed balance. Atlas claimed my $1,500 deposit was used to settle a $1,534.50 pending balance but has failed to provide a full breakdown of these charges or proof of agreement showing this was an unsecured credit card.Additionally, after closing my account, ********************** removed their tradeline from my credit report, causing a 30-point drop in my scoredespite months of on-time payments. This completely contradicts the reason I signed up for the card in the first place: to improve my credit.I am requesting:A full breakdown or refund of funds taken from my account A clear explanation of how my balance and credit limit were determined A formal statement on why the account was closed Immediate reinstatement or correction of credit reporting If this is not resolved quickly, I am prepared to file with the ************************************ (****) and pursue legal action for the mishandling of my funds and damage to my credit profile.Sincerely,***************************

    Business Response

    Date: 04/16/2025

    Hi *******, were sorry to hear about your recent experience. We understand that our Support Manager has already been in touch with you. As mentioned, we are actively working with our engineering team and you can expect an update by tomorrow. In the meantime, wed like to confirm that there are no pending funds on your account at this time. If you have any additional questions or concerns, please dont hesitate to reach out to us at ******************************************************************.
    Thank you for your patience and understanding.

    Customer Answer

    Date: 04/16/2025

    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:04/09/2025

    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.
    Yesterday night I was charged $20 randomly! Im normally only charged $8.99 so this was really unexpected and I needed that money for another payment which I will now be late for and will have to pay extra for the late fee. So thanks a lot! Ive also been trying to delete my information/account but havent figured out how to for the past month so this really got me annoyed!

    Business Response

    Date: 04/09/2025

    Hi ******, we're sorry to hear about your experience. We can see that our support team has just addressed your concern. In case of further questions or concerns, please contact us at ************************************** Thanks

  • Initial Complaint

    Date:04/07/2025

    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.
    I obtained this app in order to improve my credit and make access to my finances a little easier and the time that Ive had theapp they have screwed up more times than one. They are quick to try to charge you money that you did not authorize and then hold money that youve transferred into that account to utilize to improve your credit hostage Because theres some policy or procedure that occurs when you account goes into the red and youre not even aware of it when you make a complaint customer service you are not met with a real person you are met with a bot that tells you youll be responded to in three hoursif you follow up again before anybody said anything back to you they then let you know thatll be another 48 hours from there almost like itspunishment if youve reached out to find out where the progress is with your complaint in your issue that you need resolved Im very unhappy with this app. They owe me now over $100 and a lot of my time and energy.

    Business Response

    Date: 04/09/2025

    Hi ******, we're sorry to hear about your experience. Our support team has already addressed your concern and reached out regarding the refund of your deposit. Please follow the instructions in their response. If you need further assistance, please feel free to contact us at ************************************** Thanks

    Customer Answer

    Date: 04/09/2025

     
    Complaint: 23173926

    I am rejecting this response because:
    This app was involved in fraudulent charges from my primary financial institution and will not acknowledge any fault. I have not access to the small amount of funds left in the account as it is restricted. Every time I request withdrawal of funds and to close the account, I am given excuses as to why I can access my money and/or close the account.  
    Sincerely,

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

    Business Response

    Date: 04/12/2025

    Hi ******, our support team has reached out via email and is awaiting your confirmation to proceed. Please respond at your earliest convenience so we can assist you further. Thanks

  • Initial Complaint

    Date:04/07/2025

    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.
    Part 1 of my issue with this company started on March 26th. For no unannounced reason I was unable to make a deposit to my deposit account so I could use the card. Well after messaging backwards and forth all night, on the 27th of March they tell me it's an issue with their banking partner. Ok well why didn't you mention this the day before instead of having me jump through hoops to get an answer? Fast forward to April 7th 2025 During the day I was able to use my card. Well I go to the pharmacy to pick up medication for my girlfriend who got diagnosed with pneumonia and bam can't use it. After jumping through hoops and waiting nearly 4 hours they tell me they closed my account down. Out of nowhere. No rhyme or reason. Just a generic response about security.

    Customer Answer

    Date: 04/09/2025

    From: ****************************************************************************************** <******************************************************************************************>
    Sent: Tuesday, April 8, 2025 8:56 PM
    To: info <**********************************************************************************************>
    Subject: Message from ************************

     

    This is concerning complaint ID ******** *********** I complained about and myself reached an agreement so I was needing to let the agency know we have came to an agreement, and that I would like to discontinue my complaint against them.

    Sent from ****** ****** (***********************************************************************************************************)

  • Initial Complaint

    Date:04/07/2025

    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.
    I signed up for promise of helping to rebuild credit. I asked to cancel membership. The delays resulted in being charged additional funds. I have asked repeatedly for my withdrawal and for the membership to be canceled. While waiting for customer support to cancel they keep taking money from my bank account. They do not provide live customer support. It is through app chat only. They are taking advantage of me in this regard. Continuing to charge me money, while I am trying to cancel. I want my funds withdrawn, and my bank account removed from access. There is no option to do it myself without going through their dumb chat. There is so many things wrong with how they operate. I will be reporting them to the attorney general. I have been trying to get my money and account canceled for 2 weeks now.

    Business Response

    Date: 04/12/2025

    Hi *****, we're sorry to hear about your experience. We can confirm that our support team has canceled your account and refunded the $20 deposit.
    If you have any further questions or concerns, please don't hesitate to reach out to us at ************************************** Thanks

  • Initial Complaint

    Date:04/05/2025

    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.
    I ve been trying to cancel since I downloaded app. They won't jet me

    Business Response

    Date: 04/06/2025

    Hi ******, we are sorry to hear about your experience. Upon review, we can see that your account has been closed and our support team has notified you. In case you are in need of further assistance, please reply to the same thread or contact us at ************************************** Thanks

  • Initial Complaint

    Date:04/05/2025

    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 have been getting charges seen on my bank report. The charges show from Atlas Financial ****** payment. I do not have any acknowledgment of having an account, or subscription of any kind with yall. If so not intentionally. I need anything if so canceled immediately.

    Business Response

    Date: 04/09/2025

    Hi ******, we are sorry to hear about your experience. We can see that our support team has cancelled your account and refunded the funds. In case you are in need of further assistance, please reply to the same thread or contact us at ************************************** Thanks

  • Initial Complaint

    Date:04/02/2025

    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.
    This company approved a credit card for me several months ago. I add have been adding money to the accounts via direct deposits from my payroll. Suddenly yesterday I was locked out of the app and then later received a message stating there was an internal security issue and they closed my account because of it. This is the only explanation theyve given me. They issued a refund of my monthly fee and the deposit amount in my account. I believe there is more funds *** accrued. But they will not give me an explanation or a statement. This is poor business practice! A manager messaged me back and said they could give me no further explanation but apologize for the inconvenience. They have no customer service number and the app only has an Ai representative.

    Business Response

    Date: 04/03/2025

    Hi *****, we are sorry to hear about your experience. We can see that our support team have reached out to you and addressed your concern. Kindly check our response in the app. In case of further questions, please reply to the same thread or contact us at ******************************************************************. Thanks

Atlas - Rewards Credit Card is NOT a BBB Accredited Business.

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