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Complaint Details
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Initial Complaint
04/15/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
After closing my account back in December, *************** cashed a check for $1,000.00 which was sent back in September of 2023. I also provided *************** with more than the $5,000.00 which was initially deposited onto my Secured Credit Card and they failed to return the overage which I estimate to be at approximately $400.00. *************** does not allow its customers to speak directly to an employee of its company and does not respond in a timely manner to its email and customer service requests. This Company is a complete failure in terms of its communication and customer service--as there's no responsiveness nor emphasis on providing an ideal experience. They have now improperly taken over $1k worth of my money and I am seeking assistance in resolving this as quickly and efficiently as possible. No financial institution should ever cash a check for an account which was closed six months earlier, and they definitely shouldn't cash a check which is older than 90 days--as their own instruments often limit the length of time after a check has been issued that it can be cashed.
Business response
04/18/2024
Thank you for your feedback. Due to this response being public, we will contact you to discuss this matter.Customer response
04/18/2024
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.
Their response was a generic automated message that didn't included any details of why they cashed a months old check for an account that has been closed since December. I am requesting a full refund of my money and an accounting of all payments received.
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,Mario
Business response
04/24/2024
Thank you for your feedback. Due to this response being public,we have sent you a private email regarding your complaint.Initial Complaint
04/14/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
My One United account has now been locked twice in one week. The first time they locked it because I tried to transfer money out to another bank, which they said was unusual activity. The second time was for the same reason. After I deposited funds in it is very difficult to withdraw funds.Very annoying!Business response
04/15/2024
Thank you for your feedback. Due to this response being public,we have sent you a private email regarding your complaint.Customer response
04/15/2024
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,*******
Initial Complaint
04/03/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I applied for a checking and savings account online. I made an electronic funds transfer from one of my other accounts at another bank. The withdrawal was made for the Fifty and another for a very small amount, around $0.21. However, a day or two later I received an email stating my application was disapproved on or about 3/21/24. I have yet to receive the funds that were transferred to One united bank. I have sent several emails that are not returned. I called the customer service line and was told my bank may have a hold on the funds. That's not the case.Business response
04/11/2024
Thank you for your feedback. Due to this response being public,we will send you a private email regarding your complaint.Initial Complaint
04/01/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I put OVER ******** dollars in the ***** secured card and over two weeks go by and they withdrawn my application and SCAMMED me out of all my MONEY AND WONT REFUND MEBusiness response
04/11/2024
Thank you for your feedback. Due to this response being public, we have sent you a private email to process your request.Initial Complaint
03/15/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I experienced fraud in both my checking acc and credit card. I have been getting the run around about the claim filing procedures and deadlines. For months I contacted OneUnited through several channels and was told by numerous employees that I could not file a claim due to the time despite finding the clause in the deposit accounts agreement that clearly stated otherwise. I have called written emails even contacted the bank through ******* asking to be put in contact with upper management and I have been given every excuse and Im fed up. There are federal laws that I feel like they are not following and its time to get some resolution.Business response
03/20/2024
Thank you for your feedback. Due to this response being public, we will contact you to discuss this matter.Initial Complaint
03/12/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
The bank is inaccurately reporting my account as a paid account that simply went past due when in reality it's an unpaid charge off.The seven year statue of limitations is up and because of the way the bank reported the account to my credit file it's still reporting. The account first went past due in March 2017, and it's now March 2024. It's been seven years!The credit bureau has contacted the bank recently to dispute this matter and the bank refuses to fix this problem.The Bank is violating the fair credit reporting act by keeping this unpaid charge off on my credit file and by denying the dispute.I need the account removed from my credit report immediately. I have a pending mortgage loan and this bank is causing me to possibly lose the opportunity to buy my house and if that happens then there's going to be much bigger issues.Business response
03/18/2024
Thank you for your feedback. Due to this response being public, we will send you a private email to regarding your request.
Customer response
03/18/2024
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 ************************************** has yet to contact me and I don't think that they will. I have no issue with them responding publicly. I simply want this matter resolved. This charge off has reached seven years and the account needs to be deleted from my credit bureau report immediately. Anything less is unacceptable.
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
03/26/2024
Thank you for your feedback. Due to this response being public, we have sent you a private email to process your request.Customer response
03/27/2024
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.]
You have not sent me any email. In fact I got an email from transunion this morning from their executive office stating that AGAIN OneUnited Bank has denied my dispute stating that the account is not a charge off.
What the heck is your problem? Why isn't this matter being cleared up? You want payment from me then call me today and I'll make payment to you as long as you properly report the account as a paid charge off. Per the Fcra this account should have been removed from my credit report last month.
You are evil people to deny my dispute.
Call me at ************. Also, I give my authorization for you to respond publicly. I don't care. I want the world to know how messed up your bank really is!
I am not satisfied with your inaction thus far.
FAQ
Regards,*****
Business response
04/15/2024
Thank you for your feedback. Due to this response being public,we have sent you a private email regarding your complaint.Customer response
04/16/2024
[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:Without any help of the Bank I was able to work with each of the credit bureaus and was able to rectify the situation to my satisfaction.
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
03/06/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
2/28/24, I updated my email address for online banking and connected my Chase account to transfer $150 to my One United account. Initially, the account connected via immediate verification/logging into my Chase account through the third-party verifier. Following, One United provided an error message that the system couldn't verify I owned the Chase account and that I'd need to complete a manual verification where they deposit two small amounts to my Chase account. 2/29/24, I completed the manual verification and received a confirmation that my accounts were successfully connected. I initiated the $150 transfer; after a few days, I checked to see if the transfer was complete. 3/5/24, I logged into the One United app, and my checking account was gone. Upon logging in, it said I had no eligible accounts. I called customer service to inquire about what happened. When I finally connected with an agent, she told me that it said I was sent an email. I never received any correspondence from One United regarding an account closure. The only email I received was a customer service survey request stating that I recently closed my account. I never closed the account! 2.) Where is my money?! My Chase account shows that One United withdrew the $150 from my account via an ACH debit on 3/1/24. The money has not been returned to my Chase account. 3.) I received a letter in the mail on 3/5/24 and thought it might be correspondence detailing the account closure. It was not! It was another confirmation of my updated email address. This is atrocious and negligent business practice. The online banking system is not maintained or kept up to date, leading to glitches and errors. The bank verification system doesn't work properly. The customer service phone line is a mess, and you can't get through the prompts to reach the proper agent. This bank is mismanaged, neglected, and not run efficiently. You try to support the cause, but black-owned businesses continue to disappoint. Disgusting!Business response
03/14/2024
Thank you for your feedback. Due to this response being public, we will contact you to discuss this matter.
Initial Complaint
02/22/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I ***************************** , I got a cashiers check myself from my chase bank branch. Cashiers check number : ********** Bank address: ********************************************************************************** on October 30th 2023 . It was mailed out on the 1st of November . Was received on the 2nd of November . And was deposited into *************** in Maimi branch ******************************************* on the 6th of November 2023 . Pay to the order of : ************** The amount on the cashiers check I withdrew from my bank is $55,000.The business committed to provide some interior designs for my new home . One united bank made the first $5623 available and the $49475 pending for 7 days .On the 7th business day it was returned on the 15th of November 2023 . From then till now it as not been resolved yet . I have not gotten the return into my bank account . Im writing you because I have tried all I can to get my money back but it as not been returned back to my branch . I have all my proof here with me . I sent an email to One United customer support but I never got any response .My bank which is chase bank could not cancel it because they told me *************** as to do the return back I hope I get some assistance because I have waited 3months now and I still have not gotten my return backBusiness response
02/23/2024
Thank you for your feedback. Due to this response being public, we will contact you to discuss this matter.Customer response
02/24/2024
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 # ********.
[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.]
I need to know when One United with reach out to me ? Also I have waited 3months for this return, and I still have not gotten anything yet still. I need it refunded as soon as possible. I am not satisfied with this response because I need One United to reach out to me As soon as possible .
and I need the return back into my account
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
02/28/2024
Thank you for your feedback. Due to this response being public, we have contacted you to discuss this matter.Customer response
02/29/2024
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 # ********.
One h item is saying theres nothing they can do because they already released the funds
But I need to know when and the date when the funds were releasedAlso I need to know who One United released it too
I added the attachment of One United response to my complaint
Thank you
Hope to hear from you soon
**************************;
[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
03/26/2024
Thank you for your feedback. Due to this response being public, we have contacted you discussing this matter.Customer response
03/27/2024
[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
02/12/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
They have no customer support. The phone number on there site is wrong. No response when i call to reset my password. The paper billing has wrong charges. The number on the paper bill is wrong.They have NO WAY TO CONNECTBusiness response
02/13/2024
Thank you for your feedback. Due to this response being public,we will contact you to discuss this matter.Initial Complaint
02/09/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Unity **** failed to return my $2000. I closed my credit card account on 1/1/24. I was told it takes 30 days to receive a refund. Instead of using my deposit towards my balance I received a $14.02 bill. On 1/21 I called to confirm my account was closed and get payment options. On 1/23 my $14.02 payment was received. On 2/9/24 I received a billing statement for $0, but no refund check. I called and was told my account was closed, but no explanation for the statement.Business response
02/13/2024
Thank you for your feedback. Due to this response being public,we will send you a private email regarding your complaint.
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Customer Complaints Summary
160 total complaints in the last 3 years.
52 complaints closed in the last 12 months.