Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
12/14/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I was told my replacement card was mailed out on 11/18/2021. It is not 12/14/2021 and I havent received it yet. I just called today and spoke with supervisor *********. Told me that I could do a bank to bank transfer with takes 3-4 business days which I replied would not be an option if I received my card already. In addition, she assumed I had another bank to transfer funds to! My money has been held up, not able to make payments due to the late arrival and I asked for free rush shipping as compensation for the inconvenience. ********* says I must pay for rush (which takes 3-4 days while I need my funds now!) or wait another **** business days, nothing else. Im closing my account ASAP
Business response
12/17/2021
Thank you for your feedback. Due to this response being public,we have sent you a private email regarding your complaint.Initial Complaint
12/11/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
This bank will not allow me access to my own money. Over ****** has been deposited and I keep getting the run around for 3 months now as to why I have not received a debit card to withdraw my own money. The transfers to my Chase account do not go thru. I want my own hard earned money. I want my account closed its impossible to get these people to give you access to your own money. I do not believe it takes 3 months for a card to be mailedBusiness response
12/17/2021
Thank you for your feedback. Due to this response being public,we have sent you a private email regarding your complaint.Initial Complaint
12/04/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
I put $250 down on the secured Unity Visa credit card through OneUnited Bank in February of 2021. I ended up never using the card. Months later, I got a notification on my credit report that the account was closed due to inactivity. At that point I was also unable to sign into the app associated with this secured credit card with the error code "user not found” popping up. I was told by a representative that I could use the card as if it were now a visa gift card to get my $250 back that I put down to open the card. I have used the card a couple of times, but, just got a notification that my credit score dropped 70 points for missing a $15 payment! I immediately called to make the payment, and paid off the $140 balance on the card. Furthermore, I listed my husband as an authorized user, but, he never completed the application process on his end and was never issued a card. He is still getting current emails from this bank to finish his application process, however, he also got a notification that his credit score dropped 70 points because of a missed payment. I would've never just skipped a $15 payment on a secured credit card that I got to improve my credit score. The fact that I was given incorrect information by an employee of this bank that ended up incredibly hurting my credit score is unacceptable! Regardless of being given this incorrect information, I immediately called and paid off the balance in full to protect myself from any further credit damage. On 12/4/21 I received a letter dated 11/21/21 to pay $5 to protect my account privileges and credit reporting. That’s not even an accurate amount, it was a $15 payment due and it took nearly two weeks to receive that letter! There was no other communication on their part prior to receiving this letter today. Due to being given inaccurate information via phone and mail, I feel it’s only right that this “late payment” PLEASE be removed from both mine, and my husband’s, credit report.Initial Complaint
12/01/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I did an external transfer to my verified external account that was very important as I was closing on a home purchase. $15,000 They said it would take 2-3 business days for the *** transfer to complete. On the 3rd day I called to check the status. They said wait another day. So I did. Still nothing. On the 4th day I called again and they told me the funds were never sent and they didn't know where it was, even though it came out of my account 4 days prior. How does a bank in 2021 lose that kind of money? Needless to say I couldn't close on my new home as scheduled. Which was devastating.Business response
12/06/2021
Thank you for your feedback. We regret that you were not satisfied with our customer service. We are reviewing your experience to see how we can address your needs. You will be sent a personal email regarding your wire request.Customer response
12/06/2021
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.
Sending an email does not resolve my concerns.
[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,********
Business response
12/09/2021
Thank you for your feedback. We regret you did not have a positive experience with us.Initial Complaint
11/22/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I went to check my account today and it was just closed out. No communication whatsoever and the remaining $80.28 is just gone. They didnt alert me at all. How do you just close an account? No fraudulent activity just closed my account and kept my money? For what reason. This is ridiculousBusiness response
11/24/2021
Thank you for your feedback. Due to this response being public, please check your regular mail for an update.Initial Complaint
11/15/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
I had other bank accounts with different banks.The only reason I opened and account with OneUnited it's their black dollar message.Well they are as bad as all other banks.I reported unauthorized transactions in my account they said there is nothing they can do since I have used that account to make a payment to the company that toke my money.Okay, fine cancel my card.I got a new card. They never cancel the first one and charged me 8-$37 in fees a total of $296 in a couple of weeks.I will take this all the way to Congress if need to be.Those banks need to stop doing that to customers.I have opt out of overdraft protection too.Business response
11/17/2021
Thank you for your feedback. Due to this response being public, we will contact you to discuss this matter.Initial Complaint
11/06/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
I was issued a secured credit card by OneUnited Bank back in 2014. The name of the credit card was *********** The credit card was charged-off & closed on April 2019. The entity (OneUnited Bank) reported that I have a balance on the account. Recently I took the necessary to pay the amount that I owe the company and have the account/tradeline removed from the credit reports. I have been calling customer service but to no avail. Therefore I sent them a letter in the mail but I received no response from them. I would like OneUnited Bank to reach out to me either by phone or mail so that the following can be accomplished: 1) Issue to me mode of payment to the past-due amount they say I owe them 2) Once I pay off the balance, request the credit bureaus correct/update the tradeline or request the tradeline removed from the credit reports.Business response
11/08/2021
Thank you for your feedback. Due to this response being public,we have sent you a private email regarding your complaint.Initial Complaint
10/28/2021
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I opened the account thinking it would be good to support my black owned businesses. I have everything stolen from me so a few time I had to make claims .. I stayed at hotel that continued to drafts my account they informed me that the card was closed but never was . So I did quite a few dispute which was not my ! fault, they then returned them and left me with a balance of ****. They told me in august they was closing the account , than in October I got a email saying they would work with me . So I had my money from US treasury come to the account to bring it back to good standing so when the money posted they took theyre money and closed the account after lying to me about paying the balance! So now I am out of my money and checking account is close ! I am so upset about this because I have fought with the us for 8 months to get what was owe to me only to for this bank to accept partial payment to get there money but not both payments. The lady said we wasnt just waiting on the funds we was waiting on transactions to clear, but ever thing was clear since august they just tricked me into making a payment because immediately after they received the payment 1 hour later the account was closedBusiness response
11/02/2021
Thank you for your feedback. Due to this response being public,we have sent you a private email regarding your complaint.Customer response
11/02/2021
[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
10/21/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
I started a CD account with OneUnited Bank back in June 2021, the account was a ******************************************* October. The initial transaction was done via an online portal, with no issues. I have been trying to withdraw my money since it matured and was told to contact customer service. I was told that I would receive my money via check and have yet to receive it. I have now been informed and told that my account has automatically renewed because I did not withdraw funds in 10 days. I was never informed of any of the withdrawal policies since they seem to vary between account types, nor was their unique practices posted anywhere on their website. I feel that this company is misleading customers and have noticed other complaints via their social media channels. The company's marketing ploy of solidarity, economic independence, and financial literacy among black Americans is nothing more than a ruse to take advantage of us.Business response
10/27/2021
Thank you for your feedback. Due to this response being public, please check your regular mail for an update.Initial Complaint
10/18/2021
- Complaint Type:
- Product Issues
- Status:
- Answered
I ordered my replacement card via phone before October 1st. I ordered another via the app after 7business days because it was taking long. I find out my card wasnt sent until 10/11/21. Now I have late fees for my rent that I still cant pay because my card isnt here. Everytime I call I get sent around and hung up on. I need my card. I need OneUnited to pay my late fees that were caused by their delay. They did NOT send my card until 11days into October. I ordered it before October even started.Business response
10/25/2021
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. ↩
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
Customer Reviews are not used in the calculation of BBB Rating
Customer Complaints Summary
152 total complaints in the last 3 years.
52 complaints closed in the last 12 months.