Complaints

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

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• 

  OneUnited Bank

  100 Franklin St Ste 600 Boston, MA 02110-1537

  
• 

  OneUnited Bank

  3683 Crenshaw Blvd Los Angeles, CA 90016-4849

• 

  OneUnited Bank

  2343 Washington St Roxbury, MA 02119-3200

  
• 

  OneUnited Bank

  1495 N Wilmington Ave Compton, CA 90220-2412

  
• 

  OneUnited Bank

  3275 NW 79th St Miami, FL 33147-4619

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.

• Initial Complaint

  Date:04/17/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  I applied for the credit card secured and they took my money from my bank when I called them they tell me to keep calling back. Atill no update

  

  Business Response

  Date: 04/23/2025

  Thank you for your feedback. Due to this response being public, we have sent you a private email regarding your complaint.

• Initial Complaint

  Date:04/12/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Transfers $85 (minus fees it was $83.51) from ******* to my bank. Immediately after, my bank transferred $85 back to *******, which I did not initiate. I never received the money. Filed a dispute with ******* - denied. Filed a dispute with my bank - denied. My bank states I need to provide proof/a receipt. How does one prove something did not happen?!

  

  Business Response

  Date: 04/14/2025

  Thank you for your feedback. Due to this response being public, we have sent you a private email regarding your complaint.

• Initial Complaint

  Date:04/11/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  I lost my credit card in Dec. 2024. I am unable to pay my bill without the credit card number. Previously, when I did not pay the bill *************** reported me as delinquent to the credit bureaus. It was not until I reached to the BBB did I receive an email from the bank with a billing statement. I have since tried to receive another bill, however it is to no avail. I continually get redirected to the fraud and lost/stolen card department who cannot assist me. None of the systems are interfaced so the right hand has no clue what the left hand is doing. This is the third time that I have had to contact the BBB in order to resolve an issue. I need my credit card number in order to pay my bill in a timely fashion or another way to pay my bill without having to contact the BBB. Something so simple has been made so difficult.

  

  Business Response

  Date: 04/17/2025

  Thank you for your feedback. Due to this response being public, we have sent you a private email regarding your complaint.

  Customer Answer

  Date: 04/17/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  The response I received from the bank was regarding my bank account and not my **** credit card account.  This is a perfect example of the type of inaccuracies I have been complaining about.  The bank's responses are usually off and not pertaining to the issue at hand.
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******

   

   

  

  Business Response

  Date: 05/01/2025

  Thank you for your feedback. Due to this response being public, we will contact you to discuss this matter.

  Customer Answer

  Date: 05/07/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  ******* ****

• Initial Complaint

  Date:04/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  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. COMPANY NAME: ONEUNTEDBK ACCT #: ***. ********** $236.00/$236.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g 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

  Date: 04/10/2025

  Thank you for your feedback. Due to this response being public, we have sent you a private email regarding your complaint.

• Initial Complaint

  Date:03/01/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  I won a settlement for a car accident and my lawyer gave me a check that I deposited in One *********** it took nearly 2 weeks for the check to clear and once it did I paid some bills. 1 week later my account is in the negative saying the check did not clear I've been on the phone with customer service on three way calls between me the bank and my lawyer trying to get this resolved. My lawyer asked them to send some document saying the check was no good but have not yet received it yet after waiting a week to arrive. Now I received a letter saying they are closing my account because of insufficient funds. I have been given 2 different reasons for the check not clearing one being insufficient funds and also being told the account doesn't exist. This is sounding very fraudulent on their behalf since they refuse to send the letter for them to give me to give to the other bank to find where this money is since the other bank account shows the money being withdrawn.

  

  Business Response

  Date: 03/04/2025

  Thank you for your feedback. Due to this response being public, please check your regular mail for an update.

  Customer Answer

  Date: 03/07/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  Sharif

   

   

• Initial Complaint

  Date:02/26/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  I applied for the credit card secured and they took my money from my bank when I called them they tell me to reapply this makes no sense I also applied for a checking account which they said was approved but what about the credit card

  

  Business Response

  Date: 02/26/2025

  Thank you for your feedback. Due to this response being public, we have sent you a private email regarding your complaint.

• Initial Complaint

  Date:02/25/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 application ******* was rejected for unknown reasons Im not sure why. I dont have bad credit at all. I called customer service and they didnt help me with my problem. I didnt get the 25$ back its still pending on my banks end for a week. Please look into my application once again and open up a second review or should lift the credit freeze again..

  

  Business Response

  Date: 02/26/2025

  Thank you for your feedback. Due to this response being public, we have sent you a private email regarding your complaint.

  Customer Answer

  Date: 02/26/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [Y must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  

  they never email me or send me a email with the denial not sure if they have my email address spelled correctly 

  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  Jermmie

   

   

  

  Business Response

  Date: 03/04/2025

  Thank you for your feedback. Due to this response being public, we have sent you a private email to process your request.

• Initial Complaint

  Date:02/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Simple the bank closed my account without my knowledge and say They CANT reopen it yes they can my taxes the *** is sending to that account on this Tuesday on the 24th. THEY SAY THEY CANT OPEN SOMEBODY CAN OPEN IT INSTEAD THEM INTERRUPTING MY FINANCIAL LIFE MY HOME IS IN JEOPARDY OF FORECLOSURE BECAUSE THE *** SAYS IT CAN TAKE SEVERAL WEEKS THEY CLOSED IT ON 2/19/24! I BEEN WITH THEM FOR THREE YEARS YOU CAN NEVER GET A LIFE PERSON WITHIN THE DISPUTE DEPARTMENT MAKE A PURCHASE ON YOUR CREDIT CARD IT GETS DECLINE FOR POSSIBLE FRAUD INSTEAD OF ASKING F***T IRONICALLY I CLOSED MY CREDIT CARD THAT DAY ON 2/19 ONLY TO SEE THEY CLOSED MY CHECKING ACCOUNT

  

  Business Response

  Date: 02/24/2025

  Thank you for your feedback. Due to this response being public, we have sent you a private email regarding your complaint.

• Initial Complaint

  Date:02/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Hello,Reaching out because I was incorrectly charged an overdraft fee today (02/17/25) on (Error with ******** charging incorrect payment method for $37 today) which resulted in this particular circumstance. I am a college student and already dealing with **** as is. Wanted to reach out to see if you can please refund the Overdraft fee for this please? I have an upcoming payment on the way to cover the rest of the negative balance, that is gonna be posted on the account soon. Sorry for the ***************** on account: ********************** phone: ************

  Customer Answer

  Date: 02/24/2025

  I am writing to follow up on a recent issue regarding two overdraft fees of $37 each that were applied to my account (First one on 2/18, second on (2/19) due to an incorrect payment method being charged by ********* The transaction was intended to draw from my **************** account but was mistakenly processed through my OneUnited Bank account instead.
  
  I appreciate that one of the overdraft fees has been refunded; however, I am requesting that the remaining fee also be removed. Since I did not opt into Overdraft Protection and this situation was not caused by my actions, I believe it is only fair to have the full amount refunded.

  

  Business Response

  Date: 02/24/2025

  Thank you for your feedback. Due to this response being public, we have sent you a private email regarding your complaint.

  Customer Answer

  Date: 02/25/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]

  No, I am not at fault for this, and will not stop pursuing until this gets resolved. Reverse the second fee.

  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******

   

   

  

  Business Response

  Date: 03/04/2025

  Thank you for your feedback. Due to this response being public, we have sent you a private email to process your request.

• Initial Complaint

  Date:02/12/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  I lost my credit card and I am unable to pay my credit card ****. The only way you can pay your bill is if you have your credit card number. I have not been able to access my credit card number through any of the customer service numbers attached to One ***********. As a result of non payment, a negative report has been submitted to the credit agency. I have been passed around from department to department. The right hand has no clue what the left hand is doing. It seems as though the bank departments act independently from one another. My payment is $10.00 which is more than manageable. I need someone at the bank to tell me how I can pay my credit card bill without the credit card number and to remove the negative notation on my credit report. This is the second complaint I've had to make against ***************. The customer service is incredibly poor.

  

  Business Response

  Date: 02/13/2025

  Thank you for your feedback. Due to this response being public, please check your regular mail for an update.
  
  

  Customer Answer

  Date: 02/17/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  ******* ****