Review Time
I've had a loan through them for about 2 months now. My 4th payment was due on 10/17. I submitted that payment on 10/1 (it was the 4th "early portal payment" I have made). On top of that, I have paid about 500$ extra back ahead of time. So tell me why I have received 3-4 emails and a couple texts telling me my account is past due. I tried emailing support about this and all they did was explain to me what a missed payment is and very clearly did not read anything I mentioned in my email. I then tried to call customer support and it was the same frustrating response of "oh you missed a payment that was due on the 17th". It is like speaking to a brick wall. You'd think with the outrageous interest rates they charge they would be able to hire any competent people.
AVOID THIS LENDER AT ALL COSTS. This is an extremely predatory lender. I was involved in an online scam where someone was pretending to be a loan officer and sent this loan to me. Since September 12th, I have been making weekly payments to them for my original balance of $2900 that I borrowed and now my total loan balance is $2988.23 after paying them $686.52. I explained that I had a case open with the FBI, local authorities, and with my personal banking account due to the fraud and they did not care. They insisted I pay the full balance and would not offer a settlement even though AGAIN I WAS INVOLVED IN A FRAUDULENT transaction. I have tried to offer a settlement amount because I am going to have to file bankruptcy otherwise and they said they could not offer a settlement and only the system could offer that. They could not explain why only their system could offer a settlement and kept pushing me to make extra payments to try and get ahead. This is the WORST lender ever and has no empathy for someone who has already lost everything and is trying to do the right thing by paying back most of the loan.
Unfortunately this bank is ridiculous my daughter pulled out a loan for 2,500 has made all payments on time and instead of it going down it goes back up wtf is going on she’s already paid 2,500 back taking out 440 a month makes additional payments cause she wants this paid off and it’s not going nowhere at all
I took out a $2,600 loan with Atlas Credit (now TBO Bank) and have already paid over $2,088, yet only $150 has been applied to principal. The rest went entirely to interest.When I asked for a hardship-based resolution, TBO repeatedly sent misleading settlement offers, falsely claiming they were waiving interest — even though I had already paid over $1,900 in interest.I submitted formal complaints to the CFPB and BBB after TBO refused to acknowledge the overpayment or offer a reasonable solution. Their "offers" were predatory and ignored the financial hardship I disclosed.I revoked ACH authorization and will not make another payment unless they provide a fair resolution. I strongly caution others to read all terms carefully and document everything.This experience has been frustrating and exploitative. I urge TBO to review this case honestly and act in good faith.
For everybody complaining about high interest rates obviously you cant qualify for a regular lower interest rate on other lenders For me TBO is much lower rate than other bad credit sites and the loans are very transparent
This bank has got to be doing illegal practices. I got a $1700 loan. They’ve been taking about $500/month out of my checking account for over 6 months, and my loan balance went UP! Yes, they’ll loan you $1,700 but you’ll end up paying them almost $20,000 in interest. This is definitely predatory lending. I’m having an attorney research TBO (formerly Atlas), review their loan practices and the legality of them under U.S. laws. I see a huge class action lawsuit coming their way.
In a tough time and received an offer in the mail...(I know there's better ways to borrow money) but I decided to apply for the loan, I borrowed 2600, couldn't find anything on the APR % until after I completed the process, long story short paying the weekly amount of loan until it's paid off will cost me over 9500, over 200%apr....STAY AWAY FROM THIS PLACE
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TBO Bank is a community-focused financial institution with over 120 years of history, dedicated to building genuine, human relationships. Committed to personal service and modern convenience, TBO Bank offers a range of banking solutions—both in-branch and online—to help individuals and families reach their financial goals with confidence.
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