ComplaintsforOneUnited Bank

• Initial Complaint

  02/16/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  This bank is currently still holding a check that I deposited hostage. It has been now 8 days since the deposit of this check. Firstly I'm a stay a home mother and our family has been hit pretty hard by this pandemic. So much so that we get assistance with the state with utilities. We got this check and instead of getting it instantly cashed I figured I'd put it in my account. My account was overdrawn because of two subscription charges and two maintenance fees so i knew this could cover that. When I deposited the check on Feb 8th at first it seemed normal. I usually get $250 cleared and the rest will clear at about 7 days with whatever amount the check is. So it took a day for the check to clear and I noticed the money in my account on the morning of the 9th. But then I recieved an email a few hours later stating my check was being held 7 days due to excessive overdrafts. So I called the bank. The rep was awfully dry and she had no empathy whatsoever. She seemed annoyed to help me. I explained my situation and asked why my account was overdrawn in the first place. She told me the bank has a overdraft privilege program and I was opted in. I told her I don't authorize those kinds of transactions especially being unemployed and to opt me out. She removed me from that but that didn't fix me situation with my check being held. She basically had a whatever attitude and it is what it is there's nothing she could do. I felt like she had her nose up at me because she's working and I'm not. So now it is Feb 16 and my bills didn't wait on this bank to cash this check and I'm getting this cut off of services!! And I used this bank to deposit my refund but as soon as it deposit I will be closing my account with this bank. This bank is not a bank for people. I'm disappointed, sad, and angry now. A bank shouldn't be able to just hold someone's money like this! It's not even yours to hold!!!!

  

  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.

• Initial Complaint

  02/09/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I opened a bank account with this company in July 2016 submitting approximately 600 dollars of money I saved. Since that submission I have received no bank statements in the mail, only one follow up from the bank that gave no results and continue to receive emails claiming that if I click on the link I can access my bank statement online. However, the log in information never works and my request for outreach by email(since theyre on west coast time) results in no contact. The only time they reached out to me was when I gave a bad review on their ******** page. And that resulted in a dead end. Although my money was deposited almost six years ago theyre still technically doing ongoing business with my money but not making me aware of it.

  

  Business response

  02/11/2022

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

• Initial Complaint

  01/31/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  When I asked OneUnited how to close my credit card, they told me to withdraw all my funds & then they'd close it (email 07-12-21.) When I followed their instructions, they limited my withdrawal to only Half my funds ($250), treated my withdrawal as usage of credit, charged me fees, added interest & reported me to the credit agencies, which in turn, subtracted 31 points from my credit score for 'too high income to credit ratio' & 'late payment.'In addition:They contacted me under 2 different names, ******************************* which was confusing.All their correspondence is rudimentary & unprofessional.They consistently sent emails encouraging me to apply for a card they had recently sent me.They wont allow me to access my account online & they wont send me any Statements showing the card activity they claim & report. They repeatedly send me Only ********* '21 Statements, which show me nothing but balances after the fact. I don't know how they figure the balances & assume it's from when I tried to close my account & they blocked it.I want the rest of my ********* want my credit restored. Surely this is illegal.They claim they are sending me a check for $213.08 but it hasnt arrived yet.They refuse to remove their false reporting to the credit agencies.OneUnited advertises themselves as a card that helps folks rebuild their credit & they advertise on sites such as Experian. They should Not be permitted to advertise to folks who are most prone to become their victims.Im a 63-year-old, 100-pound ********* stow for Amazon; Im 1 of the top 3 in the two warehouses I work. It is the most physically-grueling assignment in an Amazon warehouse. For the month of July, I worked 60+ hours/week more hours than any of my 200 younger, bigger co-workers. I do Nothing at the end of every shift except sleep until the beginning of my next shift. I live extremely simply because I dont have the time/energy to deal with extremist companies that cause situations such as this one.

  

  Business response

  02/01/2022

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

• Initial Complaint

  01/23/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Opened my account 10/2020 and gave them a security deposit of $1000.00. During the time of having my card it was difficult to make payments because you could only make one payment a month throught the payment provider they used or or you had to mail in a check which took too long. I was charge late fees when I tried to make another payment also the webpage to make a payment was down at times and they still charged me a late fee. Also when calling the customer service number the reps seem so confused and states that they don't have the answer to that or talk all over you at times so you can't get a word in because they try to just get you off the phone. I was also charge for a yearly fee which I want back and any late fees also given back. The webpage also stated that refunds are within 15 days and here it is over 20 days and they still have not done anything to my account. One person told me that it would be returned to my bank used too make the deposit. I advised them I might of closed that account. They stated even though they have no processed it yet they still would send the money to the closed account and if it don't work then they will mail the money back to me. I asked if I could make sure the account is correct because I need to make sure it goes to the right person. They stated that they don't have access to that info. I need them to send back my deposit asap. Seem like they are trying to keep it since no one has answers. This place is so unorganized to be a bank it is scary. I won't be using this bank for any service again and hopefully others will warned about this bank as well. Deposit $1000 and the 2nd annual fee of $39.00 that was charged October 31, 2020 since the account is close. Below is the info that's on their page about the deposit. The security deposit cannot be used to payoff your outstanding account balance. Your security deposit will be refunded no later than 15 business days after your final payment.

• Initial Complaint

  01/11/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I have been attempting to transfer funds from my savings account in order to close my account due to a continuous history of issues with this bank and the bank has continually cancelled the transfers, put unexplained holds on the transfer attempts, and placed account verification holds (my account has bee verified three times). In addition, my transferred funds disappeared for a week before reappearing in the OneUnited Savings. I have talked to multiple representatives and supervisors and have had my new bank, Chase, on the phone with multiple OneUnited representatives and supervisors, multiple times, and the issue remains unresolved. I attempted to go to multiple **** convenience stores that OneUnited advises customers can withdraw money from the ATMs for free only to receive an error message that the transaction cannot be completed. I have had no direct access to my money in a month. I received a letter yesterday 1/10/22 stating that due to the number of transfers from my Savings (again due to the issues with OneUnited not transferring my funds so I can close the account) I was in violation of federal regulations and they are closing my savings and placing the funds in my checking account which will again defeat the transfer that is supposed to be in process. This cannot be legal. It is a frightening thing to have your own money held hostage by a bank.

  

  Business response

  01/12/2022

  Thank you for your feedback. We regret that you were not satisfied with our service. We sent you a private email.

• Initial Complaint

  01/10/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Last year 2020 in January I opened up 3 accounts with *************** 50$ in savings 50$ in checking and lastly 500$ in a CD. I was excited at first because all the emails and recruitment they where doing about Free ******************* I put my money in and submitted my Direct Deposit. I had no worries because it was a Free no fee account. So I thought, I noticed when I checked my account my checking account and savings account was going down. And surprisingly my 10% I chose for my Direct Deposit was not being deducted. I called for weeks and then I started emailing to get a response. I could not get a response from anyone but I kept getting advertisements to join, it was very frustrating. Finally I sent in a email to close my checking and saving account and place the money with the CD, and I would get all my money back the following January following the maturation date. Now I have been through 2 major moves out of state because of the Pandemic. I go in to get my money from my matured CD January 8th 2022 and I can not transfer are direct the money out of ***************ing system. They do not answer the phones and I have noticed that both saving and checking accounts have been closed but none of the money in the accounts are gone and not added to the CD. *************** Stole my Money through Fraud and is attempting to take my CD money of $500. And sent me a email saying if I do not get the money out of the CD account that it is subject to penalty fees. No one answers the phone or emails. And I am afraid they are trying to take my $500 in CD money. They have already taken $100 from me in equal $50 amounts in the Checking and saving account

  

  Business response

  01/12/2022

  Thank you for your feedback. We regret that you were not satisfied with our service. We sent you a private email.

• Initial Complaint

  01/06/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I called OneUnited Bank and closed my account on December 6, 2021 (Balance +****). The customer service agent stated I needed to claim the +**** before my account could be closed. I gave permission to disperse the +**** in order to close my account. The agent stated my account would close at midnight that same day. However, my account is currently open as of January 2022, and continues to occur maintenance fees ($10). The main reason for closing this account was excessive maintenance fees and poor customer service. I recently transferred money to bring my account to a zero balance and would like my account closed. Please close my account. As far as I'm concerned, at this point, I am done with OneUnited Bank. I tried (Bank Black?)!

  

  Business response

  01/12/2022

  Thank you for your feedback. We regret that you were not satisfied with our service. We sent you a private email.

• Initial Complaint

  12/29/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Upon checking my credit report this year I noticed my old credit card was listed as a charged off account. This raised red flags to me because I reported this card stolen years ago. It was a $250 OneUnited ********** secured credit card that was stolen years ago, presumably by a relative or someone who cloned my card. I don't know how it was marked as a charge off when it was prepaid with the security deposit. It is on my credit report as a $308 charge off. I disputed this several times with the company and the credit bureaus to no avail. I have sent it numerous letters to the bank to have this account removed. OneUnited responded saying there was nothing they could do about it, which is totally false. They said I have to pay the remaining $58 balance in order to remove the account from my credit report. Now after receiving my payment of $58 they are saying they cannot and will not remove it from my credit report even after seeing my identity theft report. Unfortunately, after banking with this institution for five years and putting up with their ridiculous fees and stipulations on what I can do with my money, I am closing my bank accounts due to the unethical and predatory nature of this company.

  

  Business response

  01/05/2022

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

• Initial Complaint

  12/23/2021

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On 11/13/2021 I used a bank machine affiliated with *************** to deposit money into my account. The money was deposited into the machine but when the transaction appeared to be done, the machine did not acknowledge the transaction and said error. It did not spit out the money. The money was gone, lost in the machine. I immediately called the number on the machine for assistance but they said that I would have to call *************** instead. I tried to do that but since it was a Saturday the bank was closed. The following Monday I called One United and they started a claim. A few weeks later they reached out to me by email to ask that I email them the evidence (the transaction receipt) which I did. I just got this letter in the mail today saying that they have denied my claim! I was not given my $211.00 cash back. I am quite upset as they have my money and won't return it to me. I want the $211.00 I was entitled to.

  

  Business response

  12/30/2021

  Thank you for your feedback. We regret that you were not satisfied with our customer service. We appreciate all feedback to identify ways to improve. We will reach out to you via email to address and fulfill your request. 

• Initial Complaint

  12/23/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  One united bank claims I have an account with them but I have NEVER opened an account with them. My wife had applied for a credit card with them, but that was about it. I've never signed up for this card or anything. But I have been receiving emails ever since the beginning of March 21' to "complete my application" and still receive them to this day to complete my application. I can forward all the emails showing for me to complete my application. I've never talked to anyone, called anyone, received a card or statement from anyone. What is also odd is that there is "no data available" from 4/21 to 8/21 in my credit report for this account.

  

  Business response

  12/30/2021

  Thank you for your feedback. We regret that you were not satisfied with our customer service. We appreciate all feedback to identify ways to improve. We will reach out to you via email address and fulfill your request. 

  Customer response

  01/07/2022

  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. 

  I have not received a response from this business, the only responses I've received is to "please complete your application" for this account which I've never completed but still receive negative remarks on my credit from.
  
  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

  01/14/2022

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

  Customer response

  01/26/2022

  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 yet received a message from this company. It seemed like an automated message response, so I am not sure of what to make of it. I did not open this account, my wife had opened this account and tried to add me as a authorized user. I was sent emails to finish my application, which I did not want the card nor authorize to be on this card so I never completed the application. I received those emails for like 10 months and I did absolutely nothing with the account. They finally did something and put me as a late payment. For a card I did not open, did not finish the application. 

  
  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

  02/01/2022

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

*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. ↩