TBO Bank Recenzje 1519

Such a GARBAGE company. PLEASE do not use them. I had trouble in the month and called and asked if they could defer the payment to the end. The gentleman on the phone said sure. A week or so later got an email the account is past due. Emailed and no response. Got more threatening emails. Finally got an email back saying they can split the payment with the others till it is caught up. Great. Still getting threatening emails it is past due. Multiple reach outs to the company ZERO response. They are thieves and scammers. PLEASE do yourself a favor and DO NOT use them. There are plenty of other options out there.

Apr loans are ridiculously high as ell, but they will give you one! The company never answers the phone though, goodluck.

Amazingggg

Could not be more displeased.
I’d accessed a small loan from them a year ago and paid it off quite rapidly (1-2 months), and thought oh I’ll try them again this year. My interest rates nearly doubled, which was quite surprising considering my personal credit had gone up substantially since the year prior.
Just to give people a full understanding, I accessed a $2000 loan prior to my income tax return needing some extra funds for bills. Assuming I would pay it off in 1-2 months like the year prior.. sadly, my income tax return was delayed. Anyways, after three months of a $375.77 change monthly payment.. also an additional $75 payment one month, and an additional $150 payment another month (totaling $1327.31) the actual amount still owed of my loan was $1551. Not even $450 of $1300+ went towards principal in the course of 3 months!!!
Realistically, this is not an option for anyone unless they want a $2000 loan, and they want to pay back 10,000.
This is a poor people interest tax.
I do not recommend TBO loans.
Additionally, their email correspondence was rigid, lacked any sincerity, and showed light on the character of their company and its employees.
I will not ever recommend the use of TBO bank or it’s services to anyone.

Company like this deserves NEGATIVE stars. Unfortunately, desperate times like today causes you desperate things so when I received their loan offer in the mail, I thought that was sign from GOD because it came at the right time. I read through the terms but nowhere did it say that my interest would 300+%...So my $1,900 loan will really cost me $12,000 and that right there ladies and gentlemen is what you call a SCAM. Please stay away from these type of business who only wants to take advantage of people. I HOPE they go out of business or gets sued for everything they have. GO TO HELL!

THIS BANK IS THE WORST BY FAR....TBO BANK RIPS PEOPLE OFF AND KEEP CHARGING OR COME UP WITH A CHARGE EVEN WHEN YOUR LOAN IS CLOSED!!!! I PAID OFF MY LOAN ON JUNE, 6 MONTHS LATER THEY TXT ME SAYING I OWE THEM MORE MONEY DUE TO RETURN WHICH IS THEY CHARGED ME TWICE & THAT'S HOW I GOT A RETURN
CAUSE I PAID THE FIRST RETURN AND THEY CHARGED ME AGAIN. THEY WAITED 6 MONTHS AND WHEN AFTER ME FOR MORE MONEY CAUSE OF INTEREST. NOT TOO MENTIONED THE CUSTOMER CANNOT AND DONT KNOW HOW TO COMMUNICATE PROPERLY AND AGAIN PUT YOU ON HOLD CONSTANTLY....IF YOUR LOOKING FOR A PERSONAL LOAN FROM THIS BANK. I SUGGEST NOT TO OR ELSE YOU'LL BE IN A VICTIM OF TAKING YOUR MONEY BY HELPING THEMSELVES EMPTYING YOUR WALLET!

I had a $1500 loan. When it’s paid off I’ll have paid $7000. How does that make sense? I took out a loan because I needed the money and they expected me to pay it off in a week to avoid a high interest rate. Taking advantage of me that’s for sure and ruining my life!

had to do a search on these people and could not trace them, we did not obtain any type of personal loan from them and they are definitely not a catalog or mail order sort. they have been charging us close to $15 twice a month for almost a year which totals close to $700. Had to file a fraud claim with our bank. if they are in the business of loans we should not be on their list. there's a possibility of some kind third person fraud where we were put on a list or had our bank account info stolen. be sure to check your statements. TBO bank is not a credit card.

People who are asking for a loan typically are not in a good financial situation.
I was shocked and dismayed to discover that my interest rate was 335%. I continued to receive offers weeks after I had stopped applying for a loan. Unfortunately- I am stuck paying 10K back on $1600. loan. The next two years of my life are ruined. I am a Senior citizen and had no idea that terms would exceed 30% interest rate. They certainly obscured this detail during the application process...I erred greatly when I clicked on their marketing text without asking specific questions. Please beware.

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.

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.

If I could leave NO stars, I would!! Their interest rates are criminal. I've paid off this loan and haven't touched the principal. DO NOT get a loan with this company!!!!

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

Misleading! Horrible bank

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

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.

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.

Got offer for a $1400 loan that I was approved for. They expected me to pay $400 a month for over a year. Ending up paying back $11000??? For a $1,400 loan? No thanks you

I was desperate for a financial relief, I looked for help on personal loans and I found this bank, I was approved for the amount desired but I didn’t know until the the end that the loan cost 110% interest which is way too high! I wish it would be government control and regulation on that because it is taking of vantage of the consumer and it is a secured loan on your bank account, no matter what they getting their money and risking someone going hungry as a result!

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