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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

  • 336 total complaints in the last 3 years.
  • 288 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:12/12/2024

    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.
    I was a platinum member, with my 1 year anniversary coming up in 2 days, in which I was to receive my double cash back from the entire year of spending. I needed to switch my linked checking accounts from one *************** account to a new one - which my direct deposit was recently switched to. ****************** is just an AI Chatbox, but what I needed accomplished was confirmed back to me in the chat, so I thought all was fine. Only to find out only a few minutes later, they fully CLOSED MY ENTIRE ACCOUNT and I have no access...can't log in at all. No responses when reaching out via email. I had to speak to a lawyer today, as my credit will now take a major hit, I am out money owed to me per their terms of service, and since I have to access, I have no way to pay off what credit was used. That was supposed to be paid tomorrow.

    Business Response

    Date: 12/13/2024

    Hi *****, we are sorry to hear about your experience and apologize for the inconvenience caused. We assure you that your account (opened using gmail) is very much active. Our support team has responded to your note from another email ID (************). The latter account was closed due to duplicity and our team is awaiting for your response. Additionally, our outbound team has left you a text and voice mail. In case you are in need of further assistance, please contact our support team at ************************************** Thanks

  • Initial Complaint

    Date:12/12/2024

    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.
    Tried to cancel. They are refusing to cancel.

    Business Response

    Date: 12/12/2024

    Hi ******, we are sorry to hear that. We've worked with our support team to cancel your account and refund the membership fee. The refund should reflect on your bank account within 3-5 business days. In case of further questions or concerns, please contact us at ************************************** Thanks

  • Initial Complaint

    Date:12/11/2024

    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 was charged by atlas without permission 8.99 after I had told them multiple times to close my account

    Business Response

    Date: 12/12/2024

    Hi ******, we are sorry to hear about your experience. Upon review, we can see that our support team has already addressed your concern and refunded the fee to your bank account. The refund should reflect within 3-5 business days. In case of further questions or concerns, please feel free to contact us at ************************************** Thanks

     

  • Initial Complaint

    Date:12/11/2024

    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.
    I was looking into this on 12/6/24, I actually wound up setting this up. Once I looked futher into this wanted to cancel, before anything was done with this. I have send NUMEROUS messages to cancel. I have not heard anything back on the chat.

    Business Response

    Date: 12/12/2024

    Hi ****, we can see that our support team has cancelled your account and confirmed it to you. In case of further questions or concerns, please reply to the same thread or contact us at ************************************** Thanks

  • Initial Complaint

    Date:12/11/2024

    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 opened a secured credit card account with ********************************************* card on 10/12/2024. Atlas has restricted from this secured credit card account from transacting on 2 separate occasions without providing written notification of my account status change. Additionally, there has been fraudulent activity on this account. I contacted ********************** to report the fraudulent transactions before they posted to my account and ********************** took no action to protect my account after reporting this fraudulent activity. Atlas also did not provide disclosures stating there is no phone number available to reach Atlas. Atlas uses unfair, deceptive and abusive practices because Atlas fails to provide consumers with the required regulatory disclosures concerning changes in secured credit card account status. There are also severe compliance concerns regarding fraud prevention and fraud resolution.

    Business Response

    Date: 12/12/2024

    Hi *****, we are sorry to hear about your experience. Upon review, we can see that our disputes team is on top of your request and are currently in the process of handling your disputes. In case of further questions or concerns, please reply to the same thread or contact us at ************************************** Thanks

    Customer Answer

    Date: 12/13/2024

    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:12/11/2024

    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.
    Their terms for their "credit card" are very vague. Once I created an account I found out what this really was and immediately requested this be cancelled. Over ******************************************************************************************** to confirm that I wanted to cancel. I confirmed that I wanted a cancel and have heard nothing back. Considering they have their hands in my bank account, trying to charge me for a service I immediately stated I wanted cancelled I want them to cancel this account.

    Business Response

    Date: 12/12/2024

    Hi *******, we appreciate your patience! We can see that our support team has cancelled your account and confirmed it to you. In case of further questions or concerns, please contact us at ************************************** Thanks

    Customer Answer

    Date: 12/13/2024

    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:12/11/2024

    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.
    They charged me $8.99 and then restricted account. So I wasn't able to use my spend power even though I paid. I asked multiple times to get money back and cancel. They said I had to wait 48 hrs just to wait on someone to look at my issue and after requesting that my bank account info be removed they said I had to wait ***** hours they have no options to remove your debit card or bank account you can't even update contact information without sending a message to an AI who says the same thing that you have to wait and it's being escalated. Very horrible because you can't speak with anyone and I find it very horrible that you can't even remove your bank account and debit card on your own. It's not the $8.99 I'm bothered by it's the fact my bank information is stuck on an account until they decide to remove it

    Business Response

    Date: 12/11/2024

    Hi ********, we are sorry to hear about your experience and apologize for any inconvenience. We can see that our support team has addressed your concern regarding the removal of your bank information. Additionally, your refund is in progress and it should reflect on your bank account within 3-5 business days. In case of additional questions or concerns, please reply to the same thread or contact us at ************************************** Thanks

  • Initial Complaint

    Date:12/08/2024

    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.
    I was told by the company site that I would receive up to ***** dollars in credits after spending one thousand dollars with my atlas card in 6 months. I did this in half the time and only got 10 dollars that was not deposited to my bank but was put back into the credit for my card. I am livid that I was lied to and very upset that I was taken advantage of. I would like a fare financial compensation amount credited to me fairly and to go to my banking attachment .

    Business Response

    Date: 12/10/2024

    Hi *****, we are sorry to hear that. The Atlas signup bonus functions like a sweepstake. After spending $1,000 on the card within the first 6 months, you become eligible for the bonus, which can range from $10 to $1,000. Rest assured, everyone is guaranteed to win a bonus.
    With Atlas, you start with a lower limit that may be automatically upgraded based on the balance in your linked bank account and your spending/payment history with us. To know more, please visit **************************************************************************************************************************************. Thanks

    Customer Answer

    Date: 12/18/2024

     
    Complaint: 22658544

    I am rejecting this response because: it was not stated that the $1000 credits were like a sweepstake as was just told to me in the response message.

    Sincerely,

    ***** ******

    Business Response

    Date: 12/19/2024

    Hi *****, you enter a sweepstake once you complete the signup bonus but you also receive points on top of that. For e.g., please see the attached screenshots. You received ****** points for your signup bonus and you redeemed it towards your balances the same day.
    Additionally, in the signup process, we've clearly disclosed our new member reward program. You can also see all our terms here ************************************************** and go to New Member Reward Program. If there's anything else we can assist you with, you can also reach out to us at ******************************************************************. Thank you!

    Customer Answer

    Date: 12/20/2024

     
    Complaint: 22658544

    I am rejecting this response because: This was not explained on sign up.

    Sincerely,

    ***** ******

  • Initial Complaint

    Date:12/07/2024

    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 never completed an application I even got a message from atlas they had saved my application but I didnt want to proceed as it seemed very sketchy. I then got multiple emails from them that they would initiate a transfer I did not authorize for a card I never finished applying for. I just want anything they did canceled and I refund for what they transferred without my authorization.

    Business Response

    Date: 12/10/2024

    Hi Lizete, we can see that your account was closed on Dec 7th, 2024 and refund to your bank account was processed successfully. In case of further questions or concerns, please contact us at ************************************** Thanks.

  • Initial Complaint

    Date:12/05/2024

    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.
    My status in my account says that its not activated but they are charging me for october and november late fees and they frose down my account. They are also emailing me threatening me saying its effecting my credit but the account isnt even activated. I want it shut down.

    Business Response

    Date: 12/10/2024

    Hi *********, we are sorry to hear about your experience. We've worked with our support team to close your account. In case you are in need of any assistance or have any concerns, please contact us at ************************************** Thanks

    Customer Answer

    Date: 12/11/2024

    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,

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

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

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