Independent profile. Not owned, sponsored or endorsed by Mission Lane.

Mission Lane Reviews, Complaints & Contacts

Mission Lane LLC services Mission Lane Visa credit cards issued by Transportation Alliance Bank, Inc. dba TAB Bank, or WebBank, and says it is not a bank. This page collects its contact, dispute, closing, fee and arbitration terms from its own website, Help Center and Cardholder Agreement, its announced national bank charter approval, a federal court docket, and BBB and Trustpilot listings as displayed on October 22, 2026.

REVIEWS & COMPLAINTS0none submitted to USAComplaints yet · see external reviews
PHONE(855) 790-8860Customer service / account closing
WEBSITEmissionlane.com
HEADQUARTERSRichmond, VA
PROFILE CHECKED2026-10-22
Submit a Complaint Call (855) 790-8860 Official website ↗
VERIFIED

Contacts

PhoneEmailAddress

Customer service & general contact

Cancel, billing & returns

Account & login

VERIFIED

Locations

  • HeadquartersRichmond VA
  • Mailing addressPO Box 71084 Charlotte NC 28272-1084
  • Mailing addressPO Box 105286 Atlanta GA 30348-5286
EDITORIAL

Is Mission Lane Legitimate?

BBB, Trustpilot

Legal name
Mission Lane LLC
Founded
2018
Business type
Credit card program manager: Mission Lane LLC services Mission Lane Visa credit cards (unsecured and secured) that are issued by Transportation Alliance Bank, Inc. dba TAB Bank, or WebBank; Mission Lane LLC says it is not a bank
Website
missionlane.comSource: Mission Lane home page, checked 2026-10-22
Headquarters
Richmond, VASource: BBB profile for Mission Lane, LLC, headquarters listing 'Richmond, VA 23230-4438', checked 2026-10-22
Owned by
Mission Lane Holdings Inc.Source: Corporate Disclosure Statement, checked 2026-10-22

Mission Lane LLC states on its website that it holds NMLS ID 1857501 and lists state licenses and registrations in several states, and BBB's data lists it as a limited liability company incorporated in 2018 with an A+ BBB rating and BBB accreditation. The cards are issued by Transportation Alliance Bank, Inc. dba TAB Bank or WebBank; Mission Lane says it is not a bank.

The documented record includes 605 BBB complaints in the last 3 years and a BBB reviews average of 1.12 out of 5 from 83 reviews, a Trustpilot page at 4.5 out of 5 from 10,686 reviews, and multiple 2026 federal cases listed by Justia. Those sources measure different things and are not combined.

EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBBMission Lane, LLC, Richmond, VA (BBB Serving Central Virginia
83 reviews · 605 complaints · BBB business grade A+ · average customer rating 1.12 / 5
Trustpilot
10,686 reviews · TrustScore 4.5 / 5
EDITORIAL

What BBB, Trustpilot and this site's archive show for Mission Lane (as displayed October 22, 2026)

BBB. The BBB listing for Mission Lane, LLC in Richmond, Virginia (headquarters listing) shows a rating of A+ and says the business is BBB Accredited; the raw page data shows accreditation from 2022-07-01 and a BBB file opened 2022-06-17. The complaints tab says 605 complaints in the last 3 years and 165 in the last 12 months. The reviews tab shows 1.12 out of 5 stars from an average of 83 customer reviews. BBB states that customer reviews are not used in the letter grade. Review snippets visible on the profile include a complaint about cash advance fees and a complaint about closing an account; these are individual consumer statements published by BBB and were not verified.

Trustpilot. The page for missionlane.com shows 4.5 out of 5 from 10,686 reviews, of which 4,113 are dated in the last 12 months, a claimed profile (February 2024) with a paid Trustpilot subscription, an invitation policy of asking customers to review 'whether positive or negative,' and 'Replied to 97% of negative reviews.' Trustpilot says it does not fact-check reviews.

This site's archive. No published complaint reports are currently linked to this profile. A text search for the name returned posts about other businesses; the one text read, a 2005 post, mentions 'Mission Lane' as a residential street address. No posts are linked to this profile.

BBB, Trustpilot and the company's customer counts measure different things and are not combined or averaged here.

Had an experience with Mission Lane? Tell other people what happened.

Submit a Complaint
EDITORIAL

Mission Lane: how to contact it, dispute a charge, close an account and where to complain (checked October 22, 2026)

This page was compiled from Mission Lane's own website, Help Center and Cardholder Agreement, BBB and Trustpilot listings, and a federal court docket opened on October 22, 2026. No published complaint reports are currently linked to this profile.

Who you are dealing with. The site's footer says Mission Lane LLC 'provides services for your Account, but is not a bank,' and that the Mission Lane Visa is issued by Transportation Alliance Bank, Inc. dba TAB Bank, Member FDIC, or WebBank.

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The footer says the issuing bank is identified on the back of your card and in your Cardholder Agreement, which governs the account. Check which bank issued your card before reading its terms.

Contact. Mission Lane's Contact Us page says to call the number on the back of your card, Monday through Friday from 9 am to 8 pm ET, or send a secure message; for sign-in trouble it gives [email protected], to be sent from the address tied to the account.

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Payments go to Mission Lane LLC, PO Box 71084, Charlotte, NC 28272-1084, and general correspondence to Mission Lane LLC, PO Box 105286, Atlanta, GA 30348-5286.

Disputing a charge. The Help Center article distinguishes a merchant dispute (for example charged twice, a charge that continues after cancellation, merchandise or service not received) from a fraud dispute for unauthorized transactions, for which it says you may be asked for a police report if the card was lost or stolen.

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It says: 'For fastest resolution, call us at (866) 326-5115,' or write to Mission Lane, Attn: Billing Disputes, PO Box 105286, Atlanta, GA 30348, giving your name and the last four digits of the account number, the dollar amount of the suspected error and a description of why you believe it is a mistake.

Closing the account. The Help Center says there are two ways to request closure: send a Secure Message after logging in, or call the number on the back of the card Monday through Friday from 9 am to 8 pm ET.

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It adds: 'Once closed, your account cannot be reopened.' That page does not say what happens to an unpaid balance. The TAB Bank Cardholder Agreement (opened October 22, 2026) says: 'You may close your Account at any time by contacting us at 855-790-8860 or [email protected].' It also says: 'You must still pay us all amounts you owe—even for transactions that post to your Account after it's been closed or suspended – and the Agreement remains in effect until you pay the outstanding balance,' and 'We may close or suspend your Account at our discretion at any time.'

Credit limit. The Help Center article on credit limit increases says: 'requests for credit limit increases are not accepted. Instead, your account is automatically reviewed on a regular basis'; 'Your first automatic evaluation will be 7 months after you become a customer'; and 'a credit limit increase is generally only granted once every 8 months.'

Past-due payments. The Help Center's past-due article says that while an account is past due the card cannot be used and fees or interest may accrue, and that Mission Lane 'may report your account as past due to the credit bureaus if your payment is 30 or more days past due.' It invites customers who cannot pay in full to call.

Key terms in the TAB Bank Cardholder Agreement. The rates and fees table on the TAB Bank-issued Mission Lane Visa agreement page (opened October 22, 2026) shows purchase and cash advance APRs of 19.99 percent to 33.99 percent, an annual fee of $0 to $59, late and returned payment fees of up to $41, a cash advance fee of either $5 or 8 percent of the advance (whichever is greater), a foreign transaction fee of 0 to 3 percent, a minimum interest charge of $0.50, and a due date at least 23 days after the close of each billing cycle. The agreement contains an arbitration agreement under which either side may require arbitration, with no jury trial and no class action; it says a customer may opt out by mailing a signed notice to Mission Lane LLC, PO Box 105286, Atlanta, GA 30348, Attn: Arbitration Rejection Notice, received within sixty calendar days of the later of the application date or the date the agreement was made available.

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It also describes a 60-day pre-filing period after a claim notice. The agreement says the annual fee 'is applied to your account at the end of the first billing cycle in which you make a transaction and will reduce the amount of credit you initially have available,' and that 'You may still reject this plan, provided that you have not yet used the account or paid a fee after receiving a billing statement.' It says it 'is entered into between you and us in the State of Utah and we extend credit to you from Utah,' and that 'We may increase or decrease your Account credit limit or your Cash Advance credit limit without advance notice.' Its definition of a claim excludes individual actions brought in small claims court. The WebBank-issued and Secured Visa agreements are separate documents, and terms can differ by card and by account.

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Where to complain outside the company. The Cardholder Agreement points to the Consumer Financial Protection Bureau's website (consumerfinance.gov/learnmore) for information about credit cards, and the CFPB runs a public consumer complaint database. Mission Lane's cards are issued by banks, so a complaint can also concern the issuing bank. BBB's complaints tab has a 'Submit a Complaint' link.

EDITORIAL

Mission Lane regulators and the sources checked on October 22, 2026

State licenses. Mission Lane's Licenses page lists NMLS ID 1857501 'in some, but not all states' and licenses or registrations in Arizona (Consumer Lender License Nos. CL-1007184 and CL-BR-1008526), New Hampshire, New Mexico, Oregon, Pennsylvania, Texas, Vermont (loan solicitation license) and Wisconsin.

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National bank charter (the company's announcement). Mission Lane's news page says that Mission Lane Bank, N.A. (in organization) 'has received conditional approval from the Office of the Comptroller of the Currency for a new CEBA credit card bank charter,' that there is 'more work to be done to satisfy the remaining conditions ahead of full approval,' and that existing customers 'will see no disruption to their accounts, credit lines, or app experience.' The page also refers to a 'current 45-states footprint' and 'deep, collaborative relationships with our current bank partners, TAB Bank and WebBank.' The news page is undated. Banking Dive reported on September 28, 2026 that the OCC announced the conditional approval the preceding Friday, and, citing the OCC, that Mission Lane Bank must have $35 million of initial paid-in capital raised within 12 months and must maintain a tier 1 leverage ratio of at least 11% throughout its first three years of operation.

Enforcement. A title search of the CFPB enforcement actions page on October 22, 2026 returned no results for 'Mission Lane'.

CFPB complaint database. In the CFPB consumer complaint database's company search opened on October 22, 2026, a suggestion lookup and company filter for 'Mission Lane', 'Mission Lane LLC' and 'Transportation Alliance' returned no matching company, so no CFPB complaint count is shown for Mission Lane on this page. This does not show that no complaints about the cards were filed; they may be recorded under another company name.

EDITORIAL

Court filings naming Mission Lane (checked October 22, 2026)

Court records

CourtListener presented a human-verification check on October 22, 2026, so dockets were checked through Justia. A Justia party search on October 22, 2026 lists multiple 2026 federal cases naming Mission Lane entities, mostly consumer-credit and Fair Credit Reporting Act claims, often alongside credit bureaus or debt buyers. A filing is an allegation, not a finding. Only one docket was opened and read: Terrell v. Mission Lane LLC et al., No. 9:2026cv80800 (S.D. Fla.). The docket lists the nature of suit as consumer credit and the cause of action as a removal petition citing the Fair Credit Reporting Act. The claims themselves are those in the plaintiff's state-court complaint, which was not read. The subjects of the other listed cases are not described here, and state-court cases may also exist.

PUBLIC RECORD

Court & Public Records

Terrell v. Mission Lane LLC et al.

Filed

U.S. District Court, S.D. Fla.Docket 9:2026cv80800Source ↗

Filed — no final outcome recorded

Later entries were not available, so the current status is unverified.

Case details: Terrell v. Mission Lane LLC et al.Show less

Per the docket, a notice of removal was filed by Mission Lane LLC, Transportation Alliance Bank and WebBank, removing the case from the Circuit Court of Palm Beach County, Florida. The docket lists the nature of suit as consumer credit and the cause of action as a removal petition citing the Fair Credit Reporting Act; the plaintiff demanded a jury. The claims are the plaintiff's allegations, and the underlying complaint was not read. Per the Justia docket as last retrieved August 20, 2026: the court granted leave for a second amended complaint on August 10, 2026, the case was reassigned to Judge Jeffrey T. Kuntz on August 12, 2026, and on August 20, 2026 Mission Lane LLC and Transportation Alliance Bank moved to dismiss the second amended complaint with prejudice (responses due September 3, 2026). The second amended complaint (August 10, 2026) names Mission Lane LLC and Transportation Alliance Bank; WebBank is not listed as a defendant on the current docket header.

EDITORIAL

Mission Lane LLC: who it is and who stands behind the card

Mission Lane LLC is a limited liability company; BBB's raw page data lists it as incorporated on 2018-11-27 with business start 2018-12-14, and BBB lists its headquarters in Richmond, Virginia. A July 2026 corporate disclosure statement filed in federal court (see the litigation record) names Mission Lane Holdings Inc. as the corporate parent of Mission Lane LLC, Tab Bank Holdings, Inc. as the corporate parent of Transportation Alliance Bank, and Steel Partners Holdings, L.P. as the corporate parent of WebBank.

The company's home page offers four cards: Gold Line Visa (3 percent cash back on gas, travel and dining, 1 percent on other purchases, starting credit line up to $3,000), Silver Line Visa (1.5 percent cash back, up to $3,000), Green Line Visa (up to $2,000) and Secured Visa (up to $1,000 with a refundable security deposit). Its Contact Us page says the application is available in all U.S. states except Maine, Maryland, Nevada, North Dakota and West Virginia. The home page says 'Join over 3 million members'; its news page says 'almost 3 million customers.' These are the company's own figures and differ in wording.

VERIFIED

Company Relationships

  • Owned byMission Lane Holdings Inc.
  • Affiliated withTransportation Alliance Bank, Inc. (TAB Bank)
  • Affiliated withWebBank
EDITORIAL

Frequently Asked Questions

Who issues the Mission Lane Visa credit card?

Mission Lane's website footer says the Mission Lane Visa is issued by Transportation Alliance Bank, Inc. dba TAB Bank, Member FDIC, or WebBank, and that Mission Lane LLC provides services for the account but is not a bank. The issuing bank is identified on the back of the card and in the Cardholder Agreement.

How do I contact Mission Lane customer service?

Mission Lane's Contact Us page (opened October 22, 2026) says to call the number on the back of your card, Monday through Friday from 9 am to 8 pm ET, or send a secure message. Payments go to PO Box 71084, Charlotte, NC 28272-1084 and general correspondence to PO Box 105286, Atlanta, GA 30348-5286.

How do I dispute a Mission Lane charge?

The Help Center article says to call (866) 326-5115 for the fastest resolution, or write to Mission Lane, Attn: Billing Disputes, PO Box 105286, Atlanta, GA 30348, with your name, the last four digits of your account number, the dollar amount and a description of the problem. It separates merchant disputes from unauthorized-transaction (fraud) disputes.

How do I close a Mission Lane account?

The Help Center says to send a Secure Message after logging in or to call the number on the back of the card, Monday through Friday from 9 am to 8 pm ET, and adds that once closed the account cannot be reopened. The TAB Bank Cardholder Agreement adds that you may close the account by contacting 855-790-8860 or [email protected] and says: 'You must still pay us all amounts you owe—even for transactions that post to your Account after it's been closed or suspended – and the Agreement remains in effect until you pay the outstanding balance.' It also says: 'We may close or suspend your Account at our discretion at any time.'

What APR and fees does the TAB Bank Mission Lane Visa agreement list?

The rates and fees table on the TAB Bank agreement page shows purchase and cash advance APRs of 19.99 percent to 33.99 percent, an annual fee of $0 to $59, late and returned payment fees of up to $41, a cash advance fee of $5 or 8 percent (whichever is greater) and a foreign transaction fee of 0 to 3 percent. The WebBank and Secured Visa agreements are separate and were not read.

Does the Mission Lane Cardholder Agreement require arbitration?

The TAB Bank-issued agreement contains an arbitration agreement under which either side may require arbitration, with no jury trial and no class action. It gives a right to opt out by mailing a signed notice to Mission Lane LLC, PO Box 105286, Atlanta, GA 30348, Attn: Arbitration Rejection Notice, received within sixty calendar days of the later of the application date or the date the agreement was made available. The agreement's definition of a claim excludes individual actions brought in small claims court.

When can Mission Lane report a late payment to the credit bureaus?

The Help Center's past-due article says Mission Lane 'may report your account as past due to the credit bureaus if your payment is 30 or more days past due,' and that the card cannot be used while the account is past due.

What does BBB show for Mission Lane?

As displayed on October 22, 2026, the BBB listing for Mission Lane, LLC in Richmond, Virginia shows an A+ rating, BBB accreditation, 605 complaints in the last 3 years, 165 in the last 12 months, and a customer-review average of 1.12 out of 5 from 83 reviews. BBB says reviews are not used in the letter grade.

Is Mission Lane becoming a bank?

Mission Lane's news page says Mission Lane Bank, N.A. (in organization) has received conditional approval from the Office of the Comptroller of the Currency for a credit card bank charter, that conditions remain before full approval, and that existing customers will see no disruption.