OneUnited Bank
complaints

Rewrite complaint unsatisfactory: I’ve with one united bank for over 3 years NEVER have I ever had to go through this about MY MONEY. I’ve been attempting to get my money out of my checking account for 2 weeks now. I’ve been to the ATM and I’ve been trying to spend the money, my card keeps declining, no cash back. I’ve called customer service twice to close out both accounts and mail me my money. The representative supposedly closed both accounts, and mailed out my money 4 days. The accounts are still open, my money is still in the account . PLEASE GIVE ME MY MONEY.

I have an issue with my credit card and it has been extremely frustrating trying to find someone who can help me with my issue. All they can do is connect me with someone who handles lost or stolen cards and that is NOT my issue. My issue is that your company for some reason canceled my credit card and I keep getting letters telling me that my account is past due. How can this be possible if my account is closed? I have called many times and have had no luck. I would not recommend this bank even to my worst enemy.

I opened my account with oneUnited Bank more than 4 years ago. I moved from a residence about 3 years ago. Changed my address online. I contacted the bank for a dispute of $8100 in January 2023, claim #3501178. They transferred me to a company who they outsource disputes to. This company has my wrong address on file. Refused to update it, says they do not have the ability to change it as they service many bank's dispute in the USA, including OneUnited Bank. They require information from me for this dispute. They continuously mail this required information to an address where I no longer live. This is utter negligence, and total fraud. I have talked to several people at the bank, as well as this company Fiserv. I have even done a survey to cry out for help as this dispute company requires supporting documents to return my funds. How am I supposed to get this letter if the address is incorrect? God help me and so many others. I have had correspondence since January 13, 2023. I have finally got the email to send what they require now, my tax information, why? really? I received a response from that email saying they need my claim number and more information. Of which is in the email as well. Be aware, be careful. This is fraud and corruption. I am going to seek legal representation. It is impossible to get anyone at this bank to assist. My agreement and money is with this bank. My debit card expired as well and they said they have mailed me a new one. How, when I still did not receive it, and they have never sent me any correspondence. I have been doing everything online. Due to this disputed amount, I am not able to get any help, and documentation is needed. No one seems to help with this. Is this intentional fraud? It seems like it. I am closing near the 90 days of this dispute and to date have not received any documents.

I joined this bank because there was a lot of requests to "bank Black" and support people of color, which I am myself. I didn't need a bank account and I can count on one hand how many times I've used it. I added money to both checking and savings accounts and simply left them there. I paid a credit card bill live with the checking, a one time payment, and a couple of small payments to other things. It started with my checking account. I would add money and then I would receive a notification that my account was overdrawn by a few dollars. Initially it was small so I thought maybe I missed where they charge a fee to have the account. So I just added more money so that my balance was on the positive side. Then I received another notification of it being overdrawn around three dollars, which I thought was strange again. Then after a while it jumped to to $20 and some change. When I logged in to check out the account to see what was going on, the first thing I did was check all my settings. It stated my savings account was NEGATIVE OVER $200! There was no overdraft protection or anything on, and you have to apply for it which I did not. There were all of these charges for $37 and then a couple dollars, either $2.30 or $3.12, what is going on over there!? Starting with 9/10, 9/11, 9/17, 9/18, I know there were 2 $37 charges on 10/28, 11/9, 11/17, and 12/9. Then they had the nerve to close my savings account! I then decided to look up this bank. I hadn't done any kind of research, just heard about this bank and how everyone was joining for support. I then see all of these complaints describing what has been happening to me! Okay, so I'm not the only one they are doing this to. I sent an email to customer service stating all of this and have never received a response and getting through to someone on the phone is impossible. I want to clear this up and close my account immediately because I've been working on my credit for quite sometime and I do not want all my hard work to be destroyed by this company because they feel they can get over on a few people.

What is my position too this business . Is it president or general partnership . I order the *** from the *** They send it too me .but I want no still what my position is in this business .in order too get a tax certificate on the business u will have to be a owner or control the company . All my owner is from a trust set up in the year of *** . By the Rockefeller family standard oil companies *** station and *** international old owmer of all of this is deceased owner *** . ...his business *** exam address .please note .all this stuff is under trust care . So inorder too see what is what .u will have too do a *** exam from a *** company or go too the *** ya self . ...my owmer is huge. So it mite be the *** them self . Cause ucc *** . Hide my ownership . ...but a *** company my get it .try it . Filed in year of 2007 . ***. *** . *** . Trustee registration address ...the names on these property is business name .the *** exam will show the company name .those name or hiding . The name on the property are she'll names . The *** exam will show the real name of the business . *** real estate lp . Coldwell banker association *** .owmer too all this information in this message I was made beneficiary owner too all of this as a inheritance . *** . *** . I am ask for my owmer ship bank account too one united bank and cpa accounting too what the company got going on all business transaction . Cpa accounting ...trustee are *** . *** . His phone number . ...*** and *** . *** . ...*** .

I am DOD Civilian. DfAs deposited my LQA into my OneUnited Bank account. I tried to transfer $42000 into another bank on the base in *** so I could withdraw the money and pay my annual rent. I could not. I called the bank asking could they wire the money or something. The 1st lady (recorded call) told me I could transfer $20000 today and $20000 tomorrow. I asked about the other 2,000 she said I had to wait until next month. So I asked if that was what I was supposed to tell my landlord? I asked to be transfer to someone who could help (meaning a manger/supervisor). She transferred me to the next customer service agent. I immediately told her I wanted to talk to a manger/supervisor. She transferred me. I got got a voice-mail. I left a voice-mail asking to be contacted by email because of the time difference. I called back right away. I got another lady. Again, I immediately told her I wanted to talk to a manager/ supervisor. She asked me to explain the situation (again, recorded). I explain that I need all $42000 to pay my annual rent. She then asked me why I can't pay it monthly which was really know of her concern. She then tells me I could send an email to customer service to receive a check. I told her that would take another 3 weeks and I needed to pay my rent like now. I also explained that if the government wanted me to have a check they would have sent me one but they didn't they gave me direct deposit. I ask again to speak to a supervisor. I get another voice-mail and leave another message asking to be contacted by email. After leaving the voice-mail I go transfer the $20000. The next day I try to transfer the other $20000 and get a message saying I can not because I meet my monthly amount already. I was told I could transfer $40000 in a month. The day the money was supposed to be deposited into my account I get an email saying it didn't go through. Then I received a voice-mail saying they wanted to talk to me about my transactions. The same transactions that you have me on recordings multiple times saying I needed to make. Yet, I can receive a call about that and not a return email (as I asked) or a call back from the voice-mails I left? I want ALL of the money ASAP to pay my rent and close my account ASAP.

I've had an account with OneUnited for a few years. recently I had not been using the account as often due to my business being slow but to my last knowledge I had a small but positive balance in my account. Without my knowledge my account was overdrawn and my issue is multiple things. First I did not agree to have any overdraft protections set up on the account the last person whom I spoke to in regards to the matter of overdraft helped me with this and it was to my understanding that no transactions would be approved if the funds were not available. They allowed two LARGE transactions to go through via my debit card. OneUnited never contacted me to notify me of my account status, I just happened to attempt to log in one day and my accounts were gone! when I contacted customer service(which every time I speak to someone they are RUDE and NONCHALANT) the rep notified me that my accounts were closed due to being overdrawn, I asked why I wasn't notified, I didn't receive a phone call or letter she proceed to tell me that they emailed me. I never signed up for paperless anything! I was receiving letters with no problem I went through my emails and the only email I received was asking me do I want to sign up for overdraft protection. I didn't receive anything indicating that my accounts were overdrawn nor closed! When it comes to financial matters unless the customer specifically states they want paperless email should not have even been an option. I tried to complain to the rep about it and also see can the fees be removed and I would pay off the balance(I did find out where the charges were from and I have handled things with that company) the rep told me that I couldn't pay over the phone(um this is supposed to be a bank why is the only option to mail in a payment?) and that she can't do transactions on a closed account. I find all of this completely unprofessional I wanted to close my account because of too many previous issues but I wanted to simply support. I would like the fees removed and to pay off the balance and get this account removed from my *** report. Because of this situation it has completely slowed down everything. let me pay for the transactions minus the fees and move on from this unprofessional company.

On 8/27, in the evening time (7:30pm) I set up an online membership with One United Bank. After providing a username and password, all sensitive personal identifying information (name, SS#, DL#, primary bank card number etc.,) and making the initial $50.00 deposit; I was then redirected to set up the online bank account. That online process required again...a username ID and a password? (I used the former log in info that was used to set up the membership). The online account set up then gave an error message that the log in id and password information was incorrect. So, I then decided to use a secondary login ID and password (different from the membership log in). Still, no access to set up the online bank account. I then refreshed my search browser and attempted the process 3 additional times, after not being successful, I elected to wait until business hours the next day to try again, still same result! I then elected to call the company at (*** in the early morning of 8/28, I was on hold by the automated phone system for 1 hour 10 min, only to have the phone call disconnected. I attempted the phone call 4 additional times throughout the day, still same result. My last attempt at 4:01pm I was placed on hold for 45 min the automated music stopped playing and the phone was connected. There was silence on the line for about 1 min then I could hear background noise then the phone disconnected. I immediately called my primary bank and requested that the $50.00 charge to my account be investigated. An additional charge that appears to some sort of service fee of $5.00 was also charged. I will wait to see what the outcome of my primary bank's investigation will result in. I am upset and angry that this company has my personal information and now I have to worry about it being compromised. I only chose to try out this bank after it was advertised on *** radio. I feel that the customer service and the legitimacy of the company is questionable and they have my info and now I have to be overly concerned and worried that my personal info, banking info, driving info, home address info is floating around because of terrible online security of customers personal information. I regret my decision to ever consider this bank as an option.

Mid September i applied and was approved for the *** card- A secured credit card offered by One United bank. September 24 One United bank withdrew 1,000 from another bank account in order to open my secured credit card. On September 26 i received an email informing me i would receive my card within 7 to 10 business days. After not receiving the secured credit card i attempted to contact customer to notify them of me nit receiving the card. I was not successful. I also wanted them to change my address on file. i continuously received an error message from their website where i tried. The entire month of October i made numerous attempts at contacting One United Bank. I also sent an email and did not get a response till until the 26th of October from customer support. After countless tries i was able to change my address over the phone through answering security questions and also notified the individual of that i had not received my secured credit card and i was transfered to the credit card department. That individual transfer me to loss or stolen were i reported my card lost and another was sent out. December 1 I called One United again to inform them again tat i had not received my card. In the mean time my credit availability had gone up 1,000 dollars and a credit card account was add to my credit report going on a month now. December 3, i received a credit notification of a reduce in credit availability by 1,000 dollar so i called One United again. I informed the customer service representative that my credit report reads that my One United account was closed and that i had not received my refund of my 1,000 dollars in which i open my account with if it was in fact closed. The customer rep checked my account and told me that my account was still active and my card will be shipped out soon. I also verified with the representative my address on file and to my surprise it was not updated. December 18 i still had not received the card so i called and requested the account to be closed and my money returned. I asked for a complaint number and was given one on that December 18 phone call. Although i have called countless times i have the names and times of the individual's which i spoke to. I never received the *** card from One United bank.

I applied and was approved to open an account back in August. However, I didn't receive my card associated with my account until 1/4. Before that day I had called at least 2 times to explain that I still had not received my card. On one of my calls I advised the rep that I had been charged 4 months of monthly service charges despite never receiving my card to actually receive any services from them. The bank is located in *** (to my understanding) however, I live in *** so I am/was not able to walk into a location to utilize their service either. I asked to just close my account and just get my funds refunded, however, I was told that I must be at a 0.00 balance in order to close my account. On 1/5 I activated my card since I had finally received it the day before. I also noticed that they had once again already charged me another 10.00 monthly service fee on 12/31 despite me not receiving my card until 1/4 the representative told me that I would be refunded the 10.00 however I noticed as of 1/13 I have yet to receive my credit back to my account. I called customer service at ***. On my first call of the day it just dropped on me. I called a second time. I advised the rep of my situation, she said there was nothing she could do. I requested to speak to a supervisor she told me "They will just tell you what I just told you." I advised her to let them tell me then. I was then just transferred to a voicemail without any notification. I then hung up and called back for a third time. This time I spoke to a wonderful rep. I immediately requested to speak to a supervisor. I was informed that the supervisor was assisting another rep and she would attempt to assist me. I advised her as well of my situation. She then advised me that as a customer service rep the most they can do is a 1 time credit and since they had previously credited the $40.00 she couldn't do it again. Therefore it would have to be escalated to her supervisor. She placed me on hold again and came back and told me the supervisor was still assisting someone else and that her supervisor requested that I leave a message and she would return my call before the close of business on 1/13. The call time was 12:14pm. However as I type this at 8:42pm I have yet to hear back from anyone.

I opened a checking account with OneUnited Bank a few months ago and I only had issues getting in touch with customer service and with lengthy wait times. After signing up I spoke with an agent about deactivating my overdraft fees privilege and she guided me to where I could disable it myself online. I signed my agreement to have this feature disabled. Fast forward to this month I had fees that were scheduled to come out of my account, but knowing that I had no money in the account I was not worried about overdraft fees because this feature was deactivated from the get-go. However, I log into my bank account and I see a $37 charge for insufficient funds. I say to myself that this must be a mistake because I have that feature disabled. I try calling OneUnited customer service twice and after being on hold for over 20 mins both times I get disconnected before even getting the opportunity to speak with a representative. I try calling the next day, and I was on hold for over an hour and did not get to speak with a representative, so I had to hang up and go to work. The next day, I contact OneUnited via *** and ask if someone can reach out to me because I have been calling and no one is answering the phones. They respond to me a day later and say they will forward my information to the customer service team. After tw days without a response I try calling back and finally get in touch with someone who says she is a supervisor. By then, I had FOUR insufficient funds charges on my account. She tells me that there is another feature to deactivate charges from accounts (this was NOT in the app and was not was this visible on their website). I told her that when I initially signed up I made it my first point of duty to ensure that I would not be charged for overdraft protection, and now I am being told that there is another way that they are trying to charge me. She turned off this feature on her side and credited me for TWO of the overdraft fees but said each account only allows 2. That is completely unacceptable. I want the other 2 overdraft fee charges refunded as well. The customer should not be charged for something that was hidden. I really wanted to support this bank, but they are robbing black people. Don't play with my money. Customer service and service overall is atrocious. This bank is a scam!

Good evening and thank you for taking the time to review this urgent matter. I have had a secure credit card with this company for less than 1 year. Although I did have some dissatisfaction with the way they process their payments but this has to be the worst situation I have to deal with. Especially in hopes of trying to re-establish my credit. On February 15 I went on their website to make a payment and it was telling me that it was not working and to try again later. Paying online has always been my form of payment. I have tried serval times that day and then decided to try the next day. Feb 16tth I sign in again the website says the same thing. I end up calling the 1800 number on the website for web support, they have a separate number for customer service. Web support tells me to try again later, mail a check or call the 1800 number to make a payment. Since my payment was due on the 25th mailing was not an option. I then call the 1800 number to make a payment and it tells me that it is not able to process any payments at this time. At this point I am frustrated so I then call Customer Service to see what is going on. I speak with a specialist in Customer Service and they have no clue that their online website has been down for almost a few days now and tells me to mail a check. I then request to speak to a manager to let them know that I will attempt to mail a check, which would arrive late due to this inconvenience, not to charge me a late fee and to report to the credit bureau. Since this is the company's fault. I then schedule a bill pay with my primary bank and they mailed One United a physical check on Feb 23. As I write this on March 6th the company has YET to receive the check. I called One United again on March 4th to see if they have received it and they stated that they did not and the website did not have an issue, after checking that day and telling them that they did. Before writing you I checked the website an automated phone service and it is still down! In the world we live in I imagine that a lot of their customers rely on the Online payment service let alone the automated phone payment services. So for this company to tell clients they have the option and in reality do not is a big let down. I also want to bring up the fact that this company has such poor ratings I am surprised this company is still running as a bank!

First issue - I travelled out of the country recently and notified the bank in advance so I would be able to use my card to access my account. I arrive to my destination and attempt to withdraw money from an ATM and receive an error "Unknown Transaction Destination." I called the bank (incurring roaming charges) and after waiting 20 minutes talked with a Rep who said she didn't know why I received the error, or what it meant, because she saw the travel alert. She advised she added an "exception" and I should be fine. I tried the ATM again and received the same error. I called back and was told same thing, and that I would "receive an email update." Not even a phone call. I tried the ATM once again, same error. The bank's staff's incompetence would've left me stranded had I not had some cash on hand, and people kind of enough to loan me money in the interim. Second issue - I was charged nearly $400 in overdraft fees, although I had sufficient funds in savings to cover my transactions. I called the bank 7 (SEVEN) times over the course of 4 days only to be on hold for 20 minutes, once disconnected on their end, and once left a message for a callback that never came - but instead received a generic email telling me to call back. I called again today 3/18 at 10:05am ET and spoke with a rude Rep named "***" who told me I don't have overdraft protection, so the bank took the liberty of charging me 6 $37 fees per day and never bothered to call me to warn me or even make sure there was no fraud or other issue on my account. Never called to advise I don't have overdraft protection and should consider signing up. How ethical is that? But I'm not surprised, considering the poor reviews I see for this bank. And when I asked "***" about reversing fees she repeatedly told me the bank will not do that. That they could only do 3 maximum. And when I asked for her supervisor she advised they allegedly were too busy for the call and would not be calling me back either. There was ZERO effort on "***'s" part to resolve the issue or bring customer satisfaction AT ALL. Instead, her incompetence and rude behavior led to additional dissatisfaction, distrust, and aggravation. After both these incidents, seeing the reviews, and hearing feedback from acquaintances who bank with this institution, I am appalled by this bank's business practices, customer service, and ethics. It's unfortunate that they're able to operate this way.

In May I closed my secured credit card with One United Bank. On the call the customer service rep stated that my security deposit of $250 will be refunded to the account used to open the secured credit card. I ask the customer service rep where the security deposit would be refunded. The customer service rep was unable to provide that information. So, I asked the rep what would happen if the security deposit is refunded to an account that is closed. The rep reported that OneUnited will either issue a paper check or contact me by phone to updated my account information. On July 15 OneUnited reports that the security deposit was refunded to the account ending in ***. This debit card is linked to my checking account with ***. This debit card is also not active, but regardless of that fact the refund would have still posted because the checking account linked to that non-active debit card is still open. From October 27 until present day, I have been going in circles between OneUnited and ***. *** and I scanned all banking statements and all debit cards transactions; and were not able to located any activity on the account from OneUnited in the amount of $250. On October 30 OneUnited sent an email receipt to my email address showing that a refund of $250 were issued to my debit card *** account ending in *** (as I mentioned is no longer active). On November 4, I asked OneUnited if they could cancel the refund of the security deposit so that it may be routed to my bank account instead since it still has not been received by my banking institution. OneUnited replied that they are unable to cancel the refund of the security deposit because it has already been processed. I exhaustingly reported that the $250 is no where in ***'s system, therefore, it did not process, unless it went to the wrong account. On November 4, I filed a claim with *** to request their due diligence in searching their system for the missing $250. As a result several customer service reps were unable to locate anything in there system. *** has stated over and over, that the refund of $250 should have posted since it was refunded to a debit card (even with this debit card being non-active) that was linked to bank account. I also provided *** with a copy of the receipt provided by OneUnited to assist with their research with the *** claim. On November 5, *** sent a notice via email reporting that nothing was discovered in their system as the customer service reps have reported over and over. I have requested that OneUnited provide me with documentation showing the full account number where the refund of the security deposit was transmitted to. OneUnited reported that they could not provide me with the full account number due to security purposes. I asked the customer service rep, how are we going to find my $250 refund if we are unable to discover if it was refunded to an incorrect account.

On September 9, I purchased and mailed a money order to One United Bank to pay the full balance on my *** credit card. The amount of the *** money order I mailed was an even $90. My credit card statement only shows the last four digits of my credit card number as my account number, so I only wrote the last four digits of my credit card on the face of the payment/money order. On October 4, I received an e-mail from ***, notifying me that my ONE UNITED BANK account on my *** credit report was updated to Past Due. The news came as a shock to me, because I had never paid the account late, and I had mailed in a payment for the full balance. I then called One United Bank to find out why this negative information had been mis-reported. I was informed by a representative that the company had not received my payment for the current or previous month. I explained that I had mailed a money order on September 9 to cover both months, but I was assured that the money order was not received by One United Bank. I then went online and immediately paid the balance in full, which was by that time $128.38, including a late payment fee and a convenience fee to *** Service. I thought I might later locate my money order receipt and have the money order traced. In the meantime, I wrote a letter to One United Bank explaining the situation, pointing out my stellar payment history, and asking them to please remove the negative item, which was incorrectly reported. I sent my letter by both e-mail and regular mail to OneUnited on *** in ***. My letter was met with an insulting e-mail response on October 24 that read: "We received your correspondence requesting a 'Goodwill' adjustment and removal of your reported account information from the three credit bureaus/reporting agencies. OneUnited Bank cannot honor your request to remove the 30 day delinquency reporting from your credit profile. No payments were received on your account for August 25 and September 25 due dates. There were no payments posted between July 16 and October 11. We have reported your payment history accurately and cannot treat you differently from any other customer. We cannot arbitrarily treat you differently through no fault of the bank. This is disparate treatment and would subject the bank to regulatory scrutiny. OneUnited Bank is committed to furnishing information to the consumer reporting agencies that is both accurate and complete. We appreciate your choice in allowing us to serve you. If you have any additional questions or concerns about the status of your *** account please contact customer service at ***. Sincerely, Customer Support ***" Although the e-mail response claims that no payments were received for August 25 and September 25 due dates, a letter I received on behalf of OneUnited Bank dated September 25 indicates the opposite. Because I had been out of town, I had not checked my post office box where I receive all my mail during the month of September. In early October, I went to retrieve my mail from the post office, and found a letter from *** in ***, ***, with the money order in question enclosed. The letter indicated that my "credit card payment received by our company is being returned due to the following reason(s): Account number not supplied. Please provide a valid 16-digit account number in order to process. Other: PROVIDE CURRENT STATEMENT W/16 DIGIT ACCOUNT NUMBER". So although the e-mail and the phone representative with whom I spoke earlier both asserted that my money order was never received by One United Bank, the letter and returned money order contradicted those assertions. I have the letter and I made a copy of the returned money order. I saw no reason to write my entire credit card number on the face of my payment, and furthermore, my billing statements from OneUnited Bank also only display the last four digits of my account number, which is the same as my credit card number. Both my name and address are written on the face of the payment, which was returned to me at my post office box mailing address. Evidently, OneUnited Bank knew to which customer of theirs the payment belonged, and to what account when they received the payment that they told me by phone and e-mail that they never received. The minimum amount due was only $5 (five dollars), but I mailed a money order for the full balance of $90, and OneUnited Bank rejected my payment for no valid reason, and reported a negative item (30 days late $5 delinquency) to the credit bureaus. The most unfortunate consequence of OneUnited Bank's actions is that when the negative item was reported, I was in the process of closing on my first home purchase, but the purchase was aborted due to a steep fall in my credit scores near the end of the purchasing process, causing me to be unable to proceed. The false reporting to credit bureaus by OneUnited Bank of a late payment (even though in reality they received my payment far in advance of the 30-day mark) caused my credit score to drop by 67 points, according to ***. And OneUnited is a bank that invariably touts itself as an institution using claims like, "promote financial literacy, supporting urban communities, 'We Know You, We Respect You, and We've Got Your Back!', "we offer the personal service and respect you deserve from a Community Bank'," and claiming to want to help its customers build personal wealth and repair credit. The exact opposite was shown to me by OneUnited Bank.