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Business Profile

Bank

Ocean Bank

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Ocean Bank's headquarters and its corporate-owned locations. To view all corporate locations, see

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Ocean Bank has 21 locations, listed below.

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    Customer Complaints Summary

    • 7 total complaints in the last 3 years.
    • 3 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:01/30/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On January 21st, 2025 I requested a token to operate my Ocean Bank Account. Their customer service, which should be changed to anti customer service based on how rude they are, sent an email stating a second email will be sent with a secure information in order to get the token.I did not receive such an email ever. I called two different rude customer service **** who clearly cannot speak english and kept ignoring my requests and were chatting foolishness and clearly trying to avoid doing their job.I sent an angry email later and someone from customer service says I will get that email.Well guess what? No email has ever been sent.What a joke of a bank preventing me from doing my job because you cannot speak english.

      Business Response

      Date: 02/20/2025

      Good afternoon Mr. ******************* apologize for any inconvenience this process may have caused.  After an in-depth review, we have found the following instances took place related to your request for a token.

      January 21st
      Initial Token Request: The request for a token was submitted by the account owner **** ***** Chai on behalf of Mr. ******* ********, and the security token and instructions were sent to Mr. ******** on the same day.

      First Support Request: Mr. ******** reached out via the customer service inbox on the same day, stating difficulties with token installation. The customer service agent responded with installation instructions on 1/22.

      January 27th
      Follow-Up Issues: Mr. ******** wrote again, stating he did not receive the *** code needed to access the *** token.

      January 28th
      Escalation of Issue: Mr. ******** escalated his complaint, stating that he had called the Bank twice, but the representatives were unhelpful. Upon reviewing the call logs, we found that Mr. ******** ended both calls himself, stating that he would call back later.

      January 30th
      Resolution: We re-sent the token emails, and a ************** agent called **************** directly to assist with the installation. The token was successfully installed.

      As of January 30th, this token was installed, and the request has been closed.  If any additional support or information is required, please feel free to contact Ocean Bank **************** at ************, or ****************************************************************.


      Thank you,
      Ocean Bank

    • Initial Complaint

      Date:10/10/2024

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      *** not liable for this debt with OCEAN BANK and i dont have contract with OCEAN BANK. They did not provide me with the original application l *** i asked.

      Business Response

      Date: 11/18/2024

      Good day, 

      I wanted review the complaint further and/or understand if the person that is filing the complaint is the right person with whom we may have had business with: 

      On our records, we can only find a partial match of the complainant's details: only able to match a variation of the first name and phone number; however, email and physical address are not a match. 

      Our records show the account related to the individual was set to "charge-off" on August 6, 2020 - this was an account where the individual was a joint signer. If we are able to truly identify the complainant as the right person/match to our system, we can address accordingly. 

      Lastly, the complainant has not reached Ocean Bank directly as of today. 

      Several 

      Business Response

      Date: 11/19/2024

      Good day ******, 

      Upon further review of the complaint details on here, we require more details about the actual complaint while the customer responds. Could you provide  details on  the complaint allegations so we know what the person is complaining about and get the complaint over to appropriate department to review and handle.

      Business Response

      Date: 11/20/2024

      Please if you can provide all the details from this claim. We are unable to address the complaint without further details as stated on my previous email communication. I appreciate if you can forward the details in order for us to also document the claim on our end. 

       

      Thank you, 

    • Initial Complaint

      Date:05/28/2024

      Type:Service or Repair Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Ocean bank charged me for charges that I did not agree to make. I ensured ahead of time that I had the right coverage of insurance and they went ahead and purchased insurance for me. This then locked up my account with a $8,500 charge for almost a month racking up fees and interest. They then claim I only sent them proof of flood insurance and not hazard but in the email sent months prior she said my hazard was fine I needed more flood insurance. I sent them proof 2 months prior and they STILL went ahead and bought me flood insurance. This hurt and delayed home improvements because I did not have money to pay my workers and they ignored my emails and are refusing to help me for THEIR mistake claiming they can buy me insurance if mine does not have enough coverage. I told them they cannot do that if I sent them proof 2 months prior and they are refusing to listen to me.

    • Initial Complaint

      Date:03/24/2024

      Type:Service or Repair Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      In December of 2023, I noticed an almost $8,000 charge on my account. I asked ********************** what it was and it took them almost 1 month to tell me it was them charging me and buying isnurance for me because I did not have enough coverage. I then sent them an email thread from October where they told me I didn't and then I bought more and sent them proof. They then removed it in January but charged me interest and required me to pay my monthly interest charges for the month. This is not fair because the extra $8,000 charge put me over my limit and did not let me access and funds, it is not fair I have to pay for their mistakes. They keep saying (according to their lawyer), that they can do that if I do not have coverage but what they are FAILING to realize is I sent them proof in October and they went ahead and still did it 2 months later locking up my account and then forcing me to pay interest. They then screwed up my credit and I applied for a credit card but was denied cause that account was delinquent because of their poor managing. I want to be refunded for those monthly payments and interest as that is not my fault. They are a a poorly managed company and need to pay for their mistakes. They keep saying they are allowed to do that if I don't have coverage but what I told them 100 times is I sent them proof and they still did it.

    • Initial Complaint

      Date:09/17/2023

      Type:Sales and Advertising Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My paycheck was deposited into my account. I paid my landlord for my rent and had $900 left in my account when ********************** took the remainder of my balance and sent it elsewhere or made it disappear. Now my account is negative I could not pay for my cell phone and other automated payments are getting rejected Causing late fees and returned payment fees. Ocean bank does not have weekend customer service so I spent all weekend penniless without my cell phone service or any gas to get to work.

    • Initial Complaint

      Date:05/03/2023

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      First, this bank allowed a fraud charge to go through and then when I addressed the issue, they did not immediately resolve it. When I inquired if an overdraft fee, the representative said they were unsure if I would be charged one. Then, I was not just charged one, but two overdrafts. When I put in a balance inquiry, they only sent me a copy and paste message to contact my representative. So I contact using the email provided and the representative did not even bother to write me back. They replaced the money due to the fraud, but never resolved the overdraft fee. So down the road my account overdrafts due to a payment that went through automatically, but I covered it immediately. Then they still charged me not one overdraft, but two because their overdraft put me over again. I just put in a balance inquiry and I don't expect to get any help with it. Due to their poor hours, I can only email them, but their customer service is totally unresponsive.

    Ocean Bank is NOT a BBB Accredited Business.

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