Atome Philippines — User Reviews & Complaints

I understand d importance of payment reminders, the volume of calls and the mention of a field visit made me feel harassed rather than assisted. A more professional and reasonable approach would help maintain positive customer relationships. Because of this experience, I have decided that after settling my balance, I will no longer use my Atome Card. I believe customers who are only minimally overdue should be treated with fairness, respect, and professionalism. 🍎

the card is too sloow to process

don't install this app, it's scam..

grabe sa cc app na to , parang makakapatay kayo pag di kayo binayaran ahh . puro pagbabanta kala ko mainam dito , hinde pala . pag stress ka na lalo kapa ma stress

Csr are not professional enough to handle calls parang galit pa palagi

layo sa adds nito paasa

Its been 9 months since im using this app but still my credit limit is not yet increasing. I have maintained my account in good standing by making payments on time and managing my financial obligations responsibly and still no increasing happens with my account

SAVE YOURSELF I highly don’t recommend this. Madaling mahack and someone got access to my Atome card. Useless customer services. Uutakan ka sa pera. Spamming. Grabe stress na pinagdaanan ko dito. They stole a lot of money from me and hindi ko nafeel benefits. Save yourself! Sa bangko nalang kayo!

Disappointed with Credit Limit Approval Process I’ve tried applying for an Atome card multiple times but unfortunately keep getting rejected without clear explanation. I understand that approvals depend on credit assessment, but it would really help users like me to know what factors are affecting the decision so we can improve our chances. The app itself is easy to use and the concept is great, but the lack of transparency in the approval process is frustrating. I hope future updates can provide clearer guidance or options for users who are not yet eligible.

Grabe kayo maningil 1 day pa lang delay. Kala ko joke yung ibang nag ssabi na grabe kayo tumawag.! Halos 50x kayo mag txt and mag call 1 day plng delay grabe kayo! Mtpos ko lng tong installment ko cut kayo sakin at sa buong pamilya ko!

trash I already rejected 3times I'll provide all valid requirements not recommend

Rewards It would be much better if we get rewards for every purchases that we can convert to cash

hayopppp

transactions are not organised. Because the need to pay, staggard payment, and previous transactions are combined. that's why it's confusing

kulit ng caller nila

THIS IS DISAPPOINTING!!! till when should I wait for that waitlist??!!??!!! HELLO??? it's been a month still nothing? THIS IS JUST THE START but it's a BIG NO!!! EVEN THE ATOME CARD declined mine??!!!?? SERIOUSLY???!!! I HAVE COMPLETE REQUIREMENTS THEN THIS APP KEEP DECLINING! AND THE WAITLIST IS SO USELESS!!! GOSH!!!! I WANTED HELP THROUGH ATOME BUT THIS IS TO TIRING!!!

IDs They don’t accept PRC ID

it's hard to get approved!

Customer service sucks. Doesn't know how to comprehend. I overpaid the Card repayment and I'm asking for a refund. For the third time, the reply keeps saying reach out to the merchant. YOU are the merchant. YOU are supposed to refund ME for the OVERPAYMENT. STOP ASKING ME TO REACH OUT TO THE MERCHANT WHEN YOU ARE THE FREAKING MERCHANT!

Unsafe institution The app allowed scams to get in. Atome is unsafe. Better not use it.

Bumabawas lng bigla sa credit score ko ng 1200+ every month. Kahit wala naman akong na link dito. Binabayaran ko yung utang na hindi mismo ako ang gumamit.

so disappointed in the updated version because they automatically choose installment payment even if you want to pay in full they wont allow you because there is no option for you to do that

di maganda

maganda

Due amount Increase?? As I remembered, I only owe 2,700+ then I applied for 6months installment I even add a voucher, and I paid the first term which is 500+ and it suddenly jump from 2700+ to 3,300+ what the hell??? Why I still owed 3,300???

Auto reject after 3days

there was a purchase on my Atome that I didn't purchase nor authorized. the day that I was notified I dispute yet but still your asking me to pay??? when I started it's over 5 star+++

WALANG KWENTANG FINANCIAL ASSESSMENT, No EXPLANATION I am writing to respectfully request a detailed explanation regarding the assessment of my financial and payment history that was used in evaluating my account/application. Based on my records, I have consistently fulfilled my financial obligations in a timely manner. In fact, I have made full payments on my dues without delays and, on many occasions, have paid before the due date. Given this positive payment behavior, I would appreciate further clarification on how my financial standing was evaluated and what specific factors may have negatively influenced the assessment. Could you please provide a detailed breakdown of: The criteria used to assess my financial and payment history. The information or records that were reviewed during the evaluation process. Any factors that led to concerns regarding my financial status despite my consistent and timely payments. Whether there are any adverse records, credit-related information, or other financial indicators that affected the outcome. The basis for determining that my financial profile did not meet your requirements, if applicable. As a customer who has maintained a record of full and early payments, I would like to better understand how my financial status was judged so that I can address any issues or inaccuracies that may exist. I would appreciate a comprehensive response and any supporting information that can help me understand the assessment process and the decision made regarding my account/application. Thank you for your time and assistance. I look forward to your response.

They don't have the customer service for review of bills. You pay the double amount for the installment after paying in full. You will ask for help for the app and billing but no one will help you. their support is for the promotion of the card and when you only lost it. if you want headache apply for this card.

Annoying Calls The calls are getting annoying even if I already paid my bills, they still kept calling me. I highly recommend not to get this app.

applied 6 times rejected 6 times. screw you atome.

Don't know if they're tripping. They let me wait for 3 days before the update of rejection. I'm not upset if they already told me that I am rejected, as in on the spot. But telling me to re-apply after 1 month after 3 days hahaha no thanks maybe I guess.

grabe harassment makukuha mo d2 madelay ka lang ng isang araw..haha..ang aggressive ng mga agents d2 sa text at tawag..kala mo mga tagapagmana eh.

Babahain ka ng tawag araw araw kada 10 minutes. Grabe dadanasin mo dito.

harassing pressuring customer

Kindly address this issue as soon as possible. I am starting to lose confidence in using this app. Atome Cash has been helpful, but how can we make early repayments if we encounter an issue in your app? I already submitted an email about this issue If this matter is not resolved and I am charged for late payments, thereby affecting my good credit standing, I will have no choice but to escalate this to BSP and SEC. Thank you for your immediate attention.

mahilig mangharras khit nagbabayad ka deleyed lng plagi dhil hindi akma sa sweldo pero pipigaiin ka ng paulit ulit at haharassin din ang mga contacts mo. wag kau gumamit ng atome

centavos nalang Yung babayaran nangungulit napabayad ako ng 16 pesos sa gcash para lang bayaran Ang balance na Yun grabe Naman Yung tawag ng tawag akala mo di babayaran

not letting borrow

The pay later zero interest is not true. The interest is skyrocket high. The listings of your monthly payment is not comprehensive.

I applied 2 times but it was requested due to expired the ID that I used even 10 years of validity before it expired.

I'm always rejected why?

ndi nmn ma-approve ei ilan beses n magtry

HARASSMENT sobrang oa mangharass malate ka lang ng isang araw, advance naman lagi magbayad sadyang nalate lang isang araw kasi nalate sahod tapos kung ano anong panghaharass na pinag gagawa. alam ba ng SEC yang harassment na ginagawa niyo sa mga nagloloan sa inyo?

tagal kong hinintay tapos hindi pala pwede.!

they don't help you resolve the suspicious transaction. You are going to pay an additional fee for them to help you. I won't recommend this apps.

i was realy disapointed with this app i was in my critical financial situation my father got hospitalized and i requested my payment to be moved on my 2nd paydate but they still harassing me tru phone msgs and email i already talk to some of their staffs but still its no use they will tell that their sorry and noted about your situation and they understand but still i recieve harassing messages ! annoying

The link I'm sharing from the app is not working no matter what browser I use.

i used this app for a while now. i buy goceries using atome card, its convenient to used..But im quit dissapointed for atome cash loan, after i paid my cash bills they offer a higher limit but when i request for loan , they says theres an issue in my account.

don't use this app, grabe harassment, one day late payment for collection and field visit agad. and disrespectful ang agent Nila tadtarin ka ng text tawag. OLA GALAWAN NILA DISSAPPOINTED.