Complaints

• Initial Complaint

  01/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have been dealing with health issues since May 2023 but still managed to make payments. Now I just found out Jan **** I have to under more surgery due to my vision changing and pains in head. Payment came due Jan 12 I have been in surgeons offices getting scans and preparing for surgery. I found out through my mom this company had someone come to my apartment leaving a letter for payment and she even informed them of my health condition. We have informed management who informed us this is harassment and concerned loitering of sort. I demand this company to stop harassing me as Im not even 30 days past due.

  Customer response

  01/26/2024

  Issue is resolved after speaking directly with company 

  

  Business response

  01/26/2024

  We have marked this to no longer be contacted at the residence.

  Customer response

  01/26/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  01/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to express my profound concern about the disclosure of my nonpublic information to credit bureaus and the resulting inaccuracies on my credit report, leading to significant financial and emotional distress.As outlined in 15 USC **** Section 602, I assert my right to financial privacy, expecting the confidential treatment of my information.Moreover, 15 USC **** Section 604(a)(2) underscores that a consumer reporting agency cannot furnish account information without my written instructions, which have not been provided.I have identified discrepancies on my credit report originating from ATLASCREDI, adversely impacting my financial well-being. I urgently request the rectification of these inaccuracies.Lastly, please be reminded of 15 USC 1666(b), preventing creditors from treating payments on a credit card account as late under specific circumstances.For your reference, my account details are as follows:Account Number: ************I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns may lead to legal action. I anticipate your prompt response and resolution.Thank you for your immediate attention to this matter.Sincerely,***************************

  

  Business response

  01/11/2024

  This statement is considered a credit dispute. We were unable to locate this customer in our system. Please have the customer contact home office directly by phone at ************ to confirm identity and update the account information.

• Initial Complaint

  12/26/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been a customer of ********************** for years. In April my son and I became homeless. I fell behind on my payments and now I am 3 months behind. I called today 12/23/23 and spoke to a very rude, disrespectful lady by the name of *****. I told her my situation and told her I could make a payment of $200 on 1/11 another full payment 2 weeks after that and then go from there. I told her my focus had been finding us a place to live and I did a week ago. Her response was if you can pay $50 today, I can hold the account for 20 days. Seriously!!! I told her again I dont have it and that I could pay $200 on 1/11. She then got upset and said well she couldnt do anything on her end. I told her unfortunately my answer wouldnt change I didnt have the money until then. She said hers wouldnt either. I ended up hanging up because she was so rude!!I called back to put a cease and desist on the account for ALL they had for me. Her response was what do you want me to do you owe us money. I said put a cease and desist on all numbers and she said she wouldnt. ***** was taunting and laughing. I have tried to make arrangements on this account with no understanding or empathy from this company. ************** violated the 7 and 7 rule of the ****** After we talked, she turned around (after I requested a cease and desist on the account) and left a detailed message as to why she wouldnt put a cease and desist on the account. Per this law, after we spoke there was to be no more contact for 7 days after a phone conversation which we had. I have tried to work this out and was told in writing through a text message if I didnt call or come by to resolve the account, there would be possible legal action. I have made an attempt to begin getting this account back on track.

  

  Business response

  12/27/2023

  We have ceased all collection efforts on this account. 

• Initial Complaint

  11/16/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to express my deep concern and distress regarding the sharing of my nonpublic information with the three credit bureaus, coupled with the inaccurate information furnished on my credit report. This has caused significant financial and emotional distress, as it not only jeopardizes my financial standing but also violates my right to privacy as outlined in 15 USC **** Section 602.According to 15 USC **** Section 604 A Section 2, a consumer reporting agency is prohibited from furnishing any account information without my explicit written instructions. It has come to my attention that my information has been shared without such consent, leading to erroneous entries on my credit report.Furthermore, under 15 USC **** B, a creditor, such as ATLASCREDI, is explicitly prohibited from treating any payment on a credit card account as late for any purpose under an open-end consumer credit plan. I urge you to rectify this situation promptly and correct the inaccuracies on my credit report.This matter has not only tarnished my creditworthiness but has also caused considerable emotional distress. I expect immediate action to rectify this situation, including the removal of inaccurate information and adherence to federal regulations protecting consumer rights.For your reference, my account number is ************. I trust that *************************** will promptly address these concerns and take corrective measures to ensure compliance with relevant statutes.

  

  Business response

  11/16/2023

  The customer does not have an account with ********************** and will the customer please provide evidence and the complaint..

• Initial Complaint

  09/27/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. ATLAS CREDIT COMPANY ACCT #: ************BAL. $712.00 Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business response

  09/27/2023

  The customer may go pick up said items from the branch office and give a police report for fraud please.

  We will then confirm identity and send over what customer may need.

  
  

• Initial Complaint

  08/01/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Got out a loan and was doing good, then family passed away and wasnt working and got into financial trouble. The workers of Atlas have been harassing me at work , by showing up, calling my work and threatening me for payment. I have told them not to call or come by my work because I will get fired and they continue to do so. We call to try and make arrangements with what I have and they continue to threaten me with calls and showing up at work. My boss has got after me and if I lose my job I will have nothing to live on, please accept my complaint because once we tell them over and over to stop because their interfering with my work they should stop. Thank You

  

  Business response

  08/01/2023

  Office will cease all communication with customers job, and note that on customers account per supervisor. 

• Initial Complaint

  03/15/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I already spoke with a ******** and informed when I would be able to make payment. This agent refused my payment arrangement and has called me several times per day from different phone numbers. Today, I have someone banging on my door. I answer and a white lady with glasses is at my door demanding payment. I shut my door and locked it. This business will need to *** me and we take the matter before an ************* judge.

  

  Business response

  03/29/2023

  Supervisor will contact office to handle field work at home.  

• Initial Complaint

  03/14/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Atlas Credit **** ** Location - Manager ******* and CSR. I took out a loan last year and due to emergency heart procedure , which they were informed about why there was a delay in payment, I inquired about help from a consideration firm, because it was possible Id have to stop working due to surgery, and wanted to make sure some form of payment could be made, but ended up not needing to do so. Manager ******* took issue with this and persistently called to discourage using the consolidation firm repeatedly even after being told I was hospitalized and couldnt speak. They sent a certified mail letter to my home while I was still hospitalized, and were told thats why there was no response. So literally the day I returned to work at the beginning of October, I was served with legal paperwork concerning the loan. I totally understood I was way behind and this unfortunately was the steps taken, because I was seeking the help of consolidation company. Once I took the steps to make recourse, I was able to speak with the Manager ********, we worked out a payment plan and moved forward. Every two weeks payment was made via debit card over the phone with no issues. Due to a hectic work schedule I often would honestly forget to call a day early prior to payday to inform that I would indeed be paying the next day on my regularly scheduled payday. Even though I would receive a payment confirmation via text, representatives would call my job, or reference contacts weekly without fail, even though they had my cell number, the number I called from and received receipt of payment to. Today 3/14 I spoke with a representative and inquired why they continue calling my references when you clearly have number. I AGAIN verified they had my cell, email, etc and advised them to call me first, as I have no problem answering the phone or making payments, and Im fact made a double payment today. I dont know what the deal is or if its being done on purpose, but it needs to be looked in to

  

  Business response

  03/21/2023

  Per supervisor, the employees are just following procedures. If customer does not make payment when scheduled, Atlas procedure is to call the following day via cell, job & one reference if Atlas can not reach the customer.

• Initial Complaint

  03/02/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I took a loan out with Atlas. I lost my job and was having issues paying them back. I did make several attempt to pay them so they would quit coming to my house and harassing me. I feel extremely threatened by them. I have every intention of repaying them soon as my income tax hits. But they still continue to send rude disrespectful letters. I will never do business with this pathetic company ever!

  

  Business response

  03/02/2023

  Supervisor and manager have said they have had no contact with this customer other than attempting to call references. 

  Customer response

  03/02/2023

   
  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

  02/22/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I have had numerous loans with this company. Since 2018 and have never been this late I been having a hard time since July and have totaled them on a lot of accounts that I plans to pay them I just don't have the money at this time, but I let them know as soon as I have, they will have it as well. They have taken the calls to far they have called my phone more than 6 times a day and including my job which I have told not to do because is cause me distress and effect my work and they continue to call. They have even called back-to-back which I find inappropriate. I work for a loan company before, so I do know the procedures.

  

  Business response

  02/23/2023

  Supervisor has contacted local office to remove work phone number. and hard solicit. 

*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. ↩