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Complaint Details
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Initial Complaint
05/25/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I bank with OneUnited Bank who uses predatory fee practices. I opted out of overdraft fee program and yet they still intentionally push ALL payments through and rack up hundreds of dollars in overdraft fees. I also bank with Chase and they actually honor the overdraft opt-out and in the even fees are incurred they reverse them without hassle. I don't know what else to do to recover my funds or warn others as this bank gains members by presenting themselves as a "black owned" business trying to help minorities when in reality they are preying on them and profiting off of their member's presumed ignorance. I will be closing the account but they have racked up over $300 (nine $37 NSF) in fees for less than $150 in transactions in one day. Example, I have a $37 fee for a $2 transaction from a stupid subscription linked to my debit card which is not ACH that was not supposed to go through because I have overdraft opt out. This happens regularly on my payday of all days so the funds are there pending yet they are posting everything BUT my check but then they will instantly reverse the transaction, so in other words they push it through to charge the fee then reverse the transaction while still collecting on the fee which turns into a vicious cycle because there are so many fees that it takes up the funds that are supposed to be available to cover the transitions to begin with which just turns into more fees, that makes no sense that my fees cost more that the transactions. This has happened on more than one occasion and every time I call its "too bad so sad" and there's never a manager to speak to the customer service reps play dumb or say they can't see my check pending when I can clearly see it on my desktop and mobile app or they offer an email follow up which is just an email saying there's nothing they can do . So much for "Banking Black" I filed a complaint with CFPB.Business response
05/26/2022
Thank you for your feedback. We made an update to your account to resolve your complaint also sent you a private email.Initial Complaint
05/15/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
********************* ******************************* (SECOND NOTICE TO FIX ERRORS & AND ORDER CARD NEVER MAILED)CONTACT ************ 05/15/2022 RE: CREDIT CARD ENDING IN **** RE: BILLING ERROR ADJUSTMENT REQUEST RE: REQUEST A CARD MAILED TO ME ENDING IN **************************************************** **** DEAR ONEUNITED,THIS IS MY SECOND ATTEMPT TO RESOLVED BOTH ISSUES THAT IS ONGOING NOT RESOLVED.THERES AN ERROR ON MY CREDIT CARD THAT HAS INCORRECT BALANCE OF ****** that was transfered to my new account ending **** and was billied 3 times for same third party processing payment as errors.CAUSING MY BALANCE TO BE OVER THE LIMIT AND IS REPORTING ON ALL CREDIT BUREAUS AS AN INCORRECT BALANCE UNDER THE **** LAWS ONEUNITED MUST BE IN COMPLIANCE IF THIS ISSUE IS NOT CORRECTED BY MAY 20,2022 I WILL FILE A CFPB COMPLAINT AND A BBB.ORG COMPLAINT.FROM YOURE PREVIOUS EMAIL YOU SENT ME YOU STATED THERE WERE ERRORS AND THAT IT WILL BE FIX IN ***** HRS THAT TIME HAS PAST AND NO CREDITS WERE ADJUSTED BUT MY BALANCE IS STILL GOING UP NOT DOWN.THERE WERE SOME FRAUD DISPUTES ON OLD ACCOUNT ENDING IN **** AND WAS TRANSFERED TO NEW ACCOUNT BUT THE TRANSFERED CREDITS WERE TRANSFERED AS A CHARGE NOT A CREDIT WHICH CAUSED MY BALANCE TO GO UP EVEN MORE.ALSO MY NEW CARD ACCOUNT ENDING IN ***************************************************** AT MY REQUEST BECAUSE ALL THE ERRORS ON THE OLD ACCOUNT AND NOW THERE MANY ERRORS AND NOT CREDITS BEING CREDITED AND REDUCE CORRECT BALANCE .THERE SHOULD BE NO BALANCE ON MY NEW ACCOUNT BECAUSE OF THE DISPUTE CREDITS THAT WAS TRANSFERED FROM OLD ACCOUNT.PLEASE FIX THESE ERRORS AND MAILED OUT MY NEW CARD BY MAIL AS REQUESTED TO ADDRESS ABOVE.EMAIL ME BACK THAT BOTH ISSUES HAVE BEEN RESOLVED.Business response
05/18/2022
Thank you for your feedback. Due to this response being public, we will contact you to discuss this matter.Customer response
05/19/2022
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.oneunited bank has resolved and corrected the billing errors and have ordered my new credit card i consider this complaint resolved satisfactory.
Regards,
*******************Initial Complaint
05/02/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
On 01/10/2022 I sent my monthly mortgage payment to *************** through the **** pay option on my ********** checking account. This is how I pay my mortgage payment every month. When I spoke with *************************** on 01/31/2022 she informed me that the payment hadn't been received but if I was able to hand deliver the payment before 4:00 p.m. then One United would not inform the credit reporting bureaus that I was late. My wife hand delivered a check at 3:00 P.M. on 01/31/2022 to ******************. The next time I checked my credit score it showed that I had paid my mortgage to One United late. ****************** had lied to me. When I spoke with ****************** and showed her the proof that ********** had sent the payment by mail AND had removed the payment from my checking account she said she would see what she could do about rescinding the late fee. She did not rescind the late fee. ****************** contends that although I can prove that the payment was sent by another financial institution, One United never received it before the statement due date 01/16/2022. In fact ****************** contends that the payment was never received at all. Given ********************** previous dishonesty I find it hard to believe that the mailed payment from ********** NEVER arrived to her. The late payment fee ,(it was not late and I have documented proof),is $328.80. I would like this fee rescinded and a letter to each credit reporting bureau sent to explain One United's mistake.Thank you for your time,*******************************Business response
05/06/2022
Thank you for your feedback. Due to this response being public,we have sent you a private email regarding your complaint.Initial Complaint
04/13/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
2/15/22 I closed the account (secured **** card).I opened the credit with an amount of $350.00. Which is what I am owed. The account with *************** was opened with an bank card from MECU (a ********* based credit union). I no longer Bank with MECU since April of 2021. *************** says they sent my refund from the secured credit card to MECU. I spoke with MECU and a representative told me when an account is closed they do not receive any funds from anyone. I spoke with an supervisor by the name of Tierra at ***************, and she refused to help solve the problem and told me *************** sent the money and will not do anything till they see the money was sent back. Now I asked an representative from *************** from the beginning of this process how were they going to refund my deposit and I was told with a check through the mail, this was on 2/15/22. Which would have worked because I knew the account was closed (MECU). I've called several times (***************) and they refused to help. All they need to do is call MECU so they can see they never received any money. I called *************** several times and ask for a supervisor and they send me to a voice recording and won't respond. Can you Please help me resolve this situation. Thank you. Account info:********************* Last 4 of account **** 5/22/77 birthday Last 4 of social security #****Business response
04/15/2022
Thank you for your feedback. Due to this response being public,we have sent you a private email regarding your complaint.Initial Complaint
04/06/2022
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
I was incarcerated October of 2021 which some of my possessions where stolen I was just recently released on March 22 2022 which then I received letters stating I owe a $600 bill. I called and tried to see how and there had to be fraud and was told my account was closed its in collections I can’t dispute and the couldn’t help me I tried to speak to supervisor fraud team nothing just a run a roundInitial Complaint
04/05/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I opened an account with them to try them out and support a black bank. I made a mobile deposit for my work check due to an error on my jobs part. I was told the check would be held for four days due to my account not being open for thirty days. This was no problem because I have other bank accounts. On the fifth day I realized the check hadn’t cleared just to find out it would actually take 9 days. Here we are on day 12 and over $1700 is being held for no reason other than my account is new. They refuse to reverse the check so that I can deposit it into a different account and told me all I can do is wait. They have done nothing to find a resolve. At this point my bills are due and there’s nothing I can do to pay it. STICK WITH THE BIG BANKS!Initial Complaint
03/04/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I am trying to work with OneUnited on a dispute for fraud on my account. On Feb. 8th I had $1200 transferred via ACH to MetaBank which left me at $93 roughly. My account is setup to let me know when a transaction over $100 occurs, and i did not get that notification so I continued using my account because I knew i had money since i didnt authorize the 1200 transfer. I didnt realize till the 14th that i was in the negative when trying to make a purchase for Valentines Day. I called and put in a dispute that day, after calling the next day for an update I found out it was done incorrectly and was cancelled. So I had another dispute entered correctly, but wasnt told paperwork needed to be submitted before the investigation could start. I found this out on the 16th but didnt get the email till the 17th. Now that it is under investigation, I have received no updates. I'm still getting overdraft fees and am now past 1200 in the negative. I have received multiple letters in the mail either letting me know about the countless overdrafts on my account, or warnings about getting my account out of a negative state, but nothing about the dispute. I called yesterday, and was told I couldnt be given an update and should have received something in the mail. I am definitely getting things in the mail from them, just nothing of substance. I cant get any info on a provisional credit, all the answers i get just tell me to wait for the mail. Its like I'm paying twice for an issue that I personally didnt cause. I'm not even going to bring up how far not having the money to pay bills has set me back. At this point I feel like i will never see my money again, and that in some weird way I will owe the negative balance on the account. Which is why I am here.Initial Complaint
03/02/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
In July 2019, I sent a ****** deposit to the bank to open a account. I received a debit card a few months later which I was never able to activate. After numerous attempts to get resolution, I finally spoke to someone in 2020. Of course Covid-19 hit the nation and in 2021, I finally spoke to someone to get a replacement cars. After a few months I finally received that card which I still couldn't activate. In Dec ************************************ Jan. ****** back the end of Jan and was told I would receive my card in ***** days which was by Feb 7th. Today is March 2nd and I still don't have me debit card. Pls help me to get my ****** deposit back. It's been almost 3 years and I have no resolution. I no longer wish to do business with this bank but I would like to have my money back. This is unfair and unjust treatment.Business response
03/03/2022
Thank you for your feedback. Due to this response being public,we have sent you a private email regarding your complaint.Customer response
03/04/2022
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.
I did not receive a email from you for the business just do I accept or decline. I don't know what they are offering because I don't see anything. All I want is my deposit back.
Business response
03/04/2022
Thank you for your feedback. Due to this response being public, we have sent you a private email to process your request.Customer response
03/07/2022
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.
Dear Sirs, I received a email from *************** to proceed with opening the account. I no longer wish to do business with this company and request a refund. This dates back to 2019 and its a bad business practice. I do not wish to do business with them any longer. I'm simply requesting a refund.
Business response
03/10/2022
Thank you for your feedback. We made an update to your account to resolve your complaint also sent you a private emailCustomer response
03/20/2022
I accepted the resolve to close my accountand accept a refund. I received a letter on 3-17-22 that my account has been closed but I still have not received my ****** deposit. I was told a check was mailed on 3-11-22 which I have not received .
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,
*******************************Customer response
03/29/2022
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.
Dear Sirs, I filed a complaint against *************** on 3-2-22. I agreed to close the complaint with the resolution of a refund of my ****** and closing my account. I was told from ****** at One United if I was due a refund it should have been issued when the account was closed. This is the problem I had with the company. They always insisted they mailed the debit card which I never got and that is why the complaint was filed. This has been going on since July 2019. This letter was issued 3-12-22 and the account was closed on 3-11-22. This is a terrible experience and I need help getting this resolved. Sincerely ******** Mahmood
Business response
04/01/2022
Thank you for your feedback. We made an update to your account to resolve your complaint also sent you a private email.Customer response
04/04/2022
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.
I don't understand what's going on. I requested my ****** refund. The account was closed on 3-8-2022. Where is my refund?
Business response
04/06/2022
Thank you for your feedback. Due to this response being public, please check your regular mail for an update.Customer response
04/07/2022
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 email from *************** was to contact their customer service, which I did on Monday ******. Spoke to Ebony she verified that my account had been closed on March 12th but she couldn't see in the system where the check for ****** had been sent out. She advised me I would get a email in 48 hours with a status update. This has been going on since 2019 over 2 1/2 years. I rejected their offer because all I want is my money back and they keep giving me the runaround. This is the reason I contacted you in the first place because I thought they would do the right thing and return my deposit.
Business response
04/13/2022
Thank you for your feedback. Due to this response being public, we have contacted you to discuss this matter.Customer response
04/15/2022
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.
I was given two non working fax numbers. Pls see attached and forward to One United Bank.
Business response
04/22/2022
Thank you for your feedback. Due to this response being public, please check your regular mail for an update.Customer response
04/29/2022
[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
03/02/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have had a pre-paid credit card with this company for several years. The card is still reported to my credit report. When opening the line of credit, I had to put $500.00 into the credit account. I have ask to close my account and have my deposit of $500.00 mailed to my address. I have called several different ***** and have gotten no resolve. The company states that they cannot locate my account and return my monies. However, it is still being actively reported on my credit file every month. I have gone online and seen 100's of reports of other customer's having the exact same issue. I believe this company is keeping people's money from the prepaid cards and not returning it when people wish to close their account as they are supposed to do. I have exhausted all forms of communication and resolution attempts with the company. I have attached the information from 2 credit reported agencies that I pulled in January showing that the account is still active.Business response
03/03/2022
Thank you for your feedback. Due to this response being public, we have sent you a private email to process your request.Customer response
03/16/2022
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.
I have not received any contact from the company
Business response
03/16/2022
Thank you for your feedback. Due to this response being public, we have sent you a private email to process your request.Initial Complaint
02/22/2022
- Complaint Type:
- Billing Issues
- Status:
- Resolved
i applied for and was approved for a checking acct with one united bank Dec.28, 2021. i was informed that i should receive my bank card within **** business day. applied direct deposit to the acct on the 28th of Dec. (in time enough time for my next pay cycle to go into acct. in jan when i did not receive the bank debit card, even though my direct deposit was added to the acct, i called one united to inquire about the card delivery, i was told again it would take **** business day. I waited the entire month of Jan for this card which i never received. the beginning of Feb. I called one united bank again to inquire about this card i have not received. The 1st card was cancelled and a new card issued against my wishes, because it was like starting all over again with the waiting period. I asked to have my card delivery expedited via fed ex or overnight and was told i would have to pay $50 for that services even though i've now been waiting over a month for a card they said would be delivered in **** business days. I called one united bank on feb. 22, 2022 to inquire about the 2nd card that have not received to be told sorry i would now have to wait **** business days. Sorry does not pay my bills, which are now behind, late fees charged and phones turned off due to non payment. i pay my mom cell phone ************** bills because my mom has Alzheimer's and now her phone has been turned off due to non payment causing a major issue. one united bank has done nothing to rectify this problem , but tell me to continue to wait. if i continue to wait, i will be homeless. I have not been able to pay my bills for two months now, **** services is totally unacceptable. i feel they are falsely advertising mailing times and has cause me terrible hardship.Business response
02/23/2022
Thank you for your feedback. Due to this response being public,we have sent you a private email regarding your complaint.Customer response
02/23/2022
[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,
*************************
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Contact Information
100 Franklin St Ste 600
Boston, MA 02110-1537
Business hours
Today,9:00 AM - 5:00 PM
MMonday | 9:00 AM - 5:00 PM |
---|---|
TTuesday | 9:00 AM - 5:00 PM |
WWednesday | 9:00 AM - 5:00 PM |
ThThursday | 9:00 AM - 5:00 PM |
FFriday | 9:00 AM - 5:00 PM |
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Get a QuoteCustomer Complaints Summary
152 total complaints in the last 3 years.
52 complaints closed in the last 12 months.