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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

  • 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:05/20/2025

    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've had my payroll deposited into this account and they shut it down no warning .and will not give my my money back that I deposited in this account... Not only that, I cannot get a hold of a live person there is no phone number that puts you in contact at all with a human, it's all through the app and you cannot speak to anyone that's not an AI it's robot. They will not let me withdraw my deposit it's completely locked down. I would like to close the account and get my money back I have been trying since 6:00 a.m. this morning it is now 11:00 p.m. with no luck.

    Business Response

    Date: 05/20/2025

    Hi ******,
    Were sorry to hear about your recent experience and appreciate you reaching out. Our Customer Support and Risk teams have been actively assisting with your request and have confirmed that your account has been reactivated.
    It looks like you may not have seen our latest messageplease check your in-app chat for an update.
    If you need any further assistance, feel free to reply there or contact us at ************************************** Were always happy to help.
    Thank you!

  • Initial Complaint

    Date:05/19/2025

    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.
    found a charge that I did not make that is dated on April 5, 2025 in the amount of $95.00.The purchase came Lowes in *******/Salem ************** for the amount of $95.00. Athletes, rewards credit card does not have a proper investigation to properly investigate. Consumer complaints. The agents at Atlas refuses to provide service to its customers and small claims court division that supports state section ******* revised statues of the state of Missouri regarding information on April 25, 2023 that supports the 17 section of the Missouri State Constitution. Atlas refuses to provide services to its customers and refuses to provide any information on proper complaint procedures that is offered by Atlas-rewards credit card. Atlas - Rewards Credit Card to provide service to refuse service to provide service to its customers and refuse to provide service, to the ********************** regarding weapons detection in order to gain access into the court. Atlas rewards credit card refuses to provide service and refuses to keep a safe environment among its customers. ********************** is a horrible service to get into and Atlas does not provide safety precautions to its customers with having a proper regarding disputes on the behalf of customers. The small claims court division already has the information on file regarding my dispute that can be found at ***************************************** by searching case number: 2516-CV11980.Atlas, rewards credit card has shown that they do not provide safety precautions to its customers by having a proper complaint for its customers.Information regarding this dispute can be found at the ********************** website that has already been available to the general public, and that any members of the general public can have access to this information of why I have agreements that supports information of the 17 section of the Missouri state Constitution as described within the 17 section of the Missouri state constitution.

    Business Response

    Date: 05/20/2025

    Hi ******,
    Thank you for reaching out. I can confirm that your account has been closed. While a review of your previous dispute was completed, we are not able to discuss further details through this channel. If you have additional questions or need support, our team is happy to help. Please reach out to us directly through the Atlas app or by emailing ******************************************************************.

  • Initial Complaint

    Date:05/18/2025

    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 applied for the Atlas credit card. Upon changing my deposit, I was told that it would unlock a 250 cash advance. I have reached out multiple times but havent received a clear response. The response was not on the topic that I asked.

    Business Response

    Date: 05/22/2025

    Hi Wilimenya, we can see that our support team has been actively assisting you and has already addressed your recent queries. If you need any further help, feel free to reply to the same thread or reach out to us at ************************************** Thank you.

  • Initial Complaint

    Date:05/17/2025

    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.
    Over the weekend I reached out to Atlas credit company regarding a transaction that I noticed on my statement for $87.64 at 11:42 pm 5/10 for a **************** I DID NOT make this charge. The first ***resentative said it hadn't been posted yet so I had to wait till it was posted to dispute the transaction and asked if I wanted a new card. I said yes, I need a new card as i did not make that purchase. Next *** said that it was not swiped, it was entered. So, she canceled my card and issued another. Then I got this Danika ***. Basically at the end of the conversation she says she researched, and it was legit which it was not. She also said they had my information and its a reoccurring charge so it waws legit. SO, I have done the research for her. On May 5th, YES, I clicked on an ad that I got on a ******** group for a free small coach bag you just pay shipping. So YES I did do the transaction on 5/5/2025 for $13.95 which was supposed to be the shipping charge. NO I did not receive any product. Next thing I know I have another transaction for $87.64 from the same people that I did NOT authorize! I did not realize it was a scam however now looking back I am one of the stupid ones that thought it was legit. SO it is a fraud. I did not make that purchase and never got the product for the shipping cost either. I have attached all the screenshots that i can for you. I have reached out to this *************** (which is some japanese acupuncture place in ** where I have never been. Have not had any response from them. BUT I did not make this purchase! It is fraud and need this fixed ASAP~ I see others have been scammed too. However, they said they correct this stuff in 3 business days. It's been 7 business days and no one is helping. They say well you have to wait for the first **** to respond back. However she is not responding back that I figured it out.

    Business Response

    Date: 05/20/2025

    Hi *******,

    Were sorry to hear about your experience and appreciate you reaching out. Our support team has opened a dispute case and issued a provisional credit of $101.59 while the investigation is underway.

    Please note that disputes may take up to 45 days to resolve. If the case involves a new account, point-of-sale transaction or a foreign-initiated transaction, the timeline may extend to 90 days. Youll be contacted as soon as the investigation is complete.

    Thank you for your patience. If you have any further questions or concerns, feel free to reach out to us at ******************************************************************.

    Customer Answer

    Date: 05/20/2025

    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. As long as they actually investigate it. They shrugged it off which caused me to do this in the first place. As long as they follow through then I am satisfied 

    Sincerely,

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

  • Initial Complaint

    Date:05/16/2025

    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 do not remember opening a credit card with them. I have reached out and they only have an Al that responds. I asked to cancel everything and i get responses to keep the card. I ssy no and was promised a response by someone in 4 hours. That never happens. I have tried many times to cancel with no response. They have tacked on a lot of fees. I have $26 in fees . I want this closed

    Business Response

    Date: 05/17/2025

    Hi ****** we're sorry to hear about your experience. I can confirm that our Customer Support team has successfully closed your account and communicated this with you. Additionally, no fees have been deducted from your bank account. If you need any further assistance, please don't hesitate to reach out to us at ************************************* we're always here to help. Thank you

  • Initial Complaint

    Date:05/16/2025

    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 am buying house and when I pulled credit I had something from atlas on there for $17 well I need to get it off but have received nothing from them! I need this off my report in the next week or settles I dont care Ill pay it just remove it! I cant get ahold of anyone!!!

    Business Response

    Date: 05/20/2025

    Hi ******, were sorry to hear about your recent experience and appreciate you reaching out. Our Customer Support team has been actively assisting with your request and has already provided the letter you requested.
    If you still need any further assistance, please dont hesitate to contact us at ******************************************************************.
    Thank you!

  • Initial Complaint

    Date:05/14/2025

    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 paid ***** to the current balance and then thinking I was transferring to my bank account another ****** was taken out of my deposit account and Im being told there isnt anything they can do. Thats ****** they have taken and I am left with no money at all.

    Business Response

    Date: 05/18/2025

    Hi ******, were sorry to hear about your recent experience and appreciate you reaching out. Our Customer Support team has been actively assisting with your request and has provided a detailed explanation of your current account balance. Theyve also noted that if the annual plan isnt the right fit for you, youre welcome to reply directly to the thread so they can help you explore other options.
    If you need any further assistance, feel free to contact us via the in-app chat or email us at ************************************* were always happy to help.
    Thank you.

    Customer Answer

    Date: 05/22/2025

     
    Complaint: 23330819

    I am rejecting this response because:

    Sincerely,

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

    Customer Answer

    Date: 05/22/2025

    I was never credited what I paid towards a balance I had never even used. They took my whole pay check and I have been without funds this whole time. 

    Business Response

    Date: 05/25/2025

    Hi ******, we can see that our support team has been assisting you with your refund inquiries. Based on the latest conversation, it appears that your concerns have been resolved to your satisfaction. If you need any further assistance, feel free to reach out via the in-app chat or email us at ************************************* were always here to help.
    Thank you!

  • Initial Complaint

    Date:05/13/2025

    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.
    Yes im facing severe hardship with my loan however tried to call company on multiple occasions but can't get through wanting to setup a plan to get on track however getting harassed in regards to the loan not trying to be difficult or anything like that but it's hard to get in contact with company and want the letters to stop i do not want to refinance or anything like that and would like account closed.

    Business Response

    Date: 05/16/2025

    Hi *******,

    Thank you for reaching out to us. We understand your concerns and appreciate the opportunity to assist.

    After a thorough review of our records, we were unable to locate an active account under your information. While we did find an account, it was never fully set up or activated. Its possible there may be a mix-up with another financial institution.

    Our support team has requested additional information to help clarify the situation. Kindly respond at your earliest convenience so we can assist you further.

    Thank you!

    Customer Answer

    Date: 05/16/2025

    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:05/12/2025

    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.
    Im having an issue that is not being resolved by customer service. I have submitted every documentation requested of me for some reason. Im still being told that my name is not correct on my deposit. I have submitted my ID a PDF form of my deposit slip with this account Linked to it and Im still waiting for somebody to respond and handed the situation at this point Im going to file a report with Better Business Bureau. I want my account closed and my deposit refunded immediately. I no longer want to do business with this company. Because you guys are so unprofessional.

    Business Response

    Date: 05/16/2025

    Hi **********, we're truly sorry to hear about your recent experience and understand how frustrating that must have been. We're pleased to see that our dedicated Support & Risk team were able to successfully reactivate your account. We appreciate your patience and are grateful for the opportunity to assist you.
    If you need any further assistance, please dont hesitate to reach out to us via the in-app chat or by emailing ******************************************************************.
    Thank you!

  • Initial Complaint

    Date:05/08/2025

    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.
    They advertise as if they are giving people with low credit a chance to get a credit card, just to access your bank account and personal info and CHARGE you $9.00 to sign up for an account that has a zero balance. False advertising and a scheme to play on people who are already struggling as it is!!!!!!!!

    Business Response

    Date: 05/13/2025

    Hi ******, we're sorry to hear about your experience and appreciate you reaching out. I can confirm that our Customer Support team has successfully closed your account, issued the refund 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!

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.

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