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OneUnited Bank
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OneUnited Bank Reviews 28

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OneUnited Bank I had the worst experience with this bank and I only got with them because they're black owned

I had the worst experience with this bank and I only got with them because they're black owned. My card got stole and I got to watch my money disappear because there is no option to change my pin or lock my card. To change your pin they're closed, there is no other option other than talking to a person and you have to wait til they wake up. Nobody is ever on chat, never, no idea why they have that feature. When I did speak to someone we talked but she never put in my card was stolen, never even ordered me a replacement card. A week after talking to her I never heard anything back so I decided to call and this man had no record of me filing anything, it literally started from scratch because I decided to call. This is trash and I wouldn't recommend. If your card is being used without your consent after hours, you don't have a stop option, and might get someone that further does nothing but waste your time. I'm highly disappointed and in the meantime set up another account with another bank that I can at least change my pin without having to wait until the staff wakes up.

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J. Runolfsson
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If I could make it less than 1 star I would. This is the absolute worst Bank ever. The customer service is horrible to nonexistent. They steal your money and act like they didn't hear you say stop taking my money and give it back. They don't respond. They don't send the proper cards or documents in time. I HATE this Bank.

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P. Kutch
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Wow after complaining about my direct deposits not being put in my account early like said I started getting them two days early now today again my deposit is not in my account. I really feel this is being done on purpose to try to see if anything is presented for payment to just to see if you can get a NSF fee. Now I can see why you get so many bad reviews.

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S. McCullough
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Tried to do a wire transfer for $700 and something happened and One United couldnt complete the transaction but wouldnt put my money back in my account . After a month of trying to get my money back I had to threaten to get a lawyer ! My money was back in my account 5 minutes later ! I closed that account immediately after . I warn everybody I know to not use this bank .

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S. Windler
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I haven't received my card yet and I'm about to get paid in a few day, I need my money and it's been close to two weeks and still no card; they don't have even have a Zelle option.

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OneUnited Bank I opened an account with them and it took forever to get my card

I opened an account with them and it took forever to get my card. When I finally received my card the pin number that was mailed didn't work. I tried calling and calling and the automated system was a nightmare and every new pin that was generated didn't work. After so much time, I forgot all about the account until I received a letter stating that I had a negative balance. I called in and realized that they were deducting a monthly fee, which was fine, but at the time I just decided to pay off the balance and close the account. The customer service representative that I spoke with stated to just send a check with the amount to clear the balance. Well, I sent the check, and lo and behold three months later, I've received my check back with a sticky note on it stating they only accept cash or a money order to proceed with closure. A sticky note on my check and that's it. This company is not trustworthy and lacks the infrastructure to properly serve its customers. The customer service is poor and I only spoke with one representative who had any type of customer service skills. They have bad business practices and I wouldn't recommend banking with them at all.

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V. Turcotte
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I would not recommend this bank to anyone! This is what I get for trying to support a black business! I have had to pay them just to keep money in my account.10$ a month for them to hold my money?!?! BLASPHEMY! I had a new card sent to me to activate. I hadnt in their time frame and apparently they system booted my card without notice. I ask for a reasonable rushed replacement. They want to charge 50$ for a 3-5 business day delivery. I HATE THIS BANK! Then they are CLOSED ON WEEKENDS! What bank doesnt have a customer service on weekends?!?! I would understand a Sunday but Saturday too?!?! They got me effed all the way up. Im closing my account NOW! ZERO OUT OF TEN WOUKD NOT RECOMMEND!

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C. Rosenbaum
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I had fraud on my account on a Saturday there was no way to lock my card on the website or via phone. They were closed Which would have stop future attempts. When transactions were made I immediately took all my money off because my card was still open and active. The third time they tried to use my card I received a fraud alert that closed the card and ask that I call a number that will be open 24/7. That was a lie because they also was closed during the weekend. No protection.

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A. Johnston
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This bank is fraudulent! I deposited money into this account and Im unable to withdraw it. They closed my account while i had my money in the account and never sent me a refund or informed me that my account was closed. I do not trust this bank at all and will like my funds refunded to me and this account closed. I dont recommend this bank account to anyone.

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F. Goldner
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Shame shame shame! On this so called black banking institutions the way they conduct business is horrible! Your customer service is a joke it resolves no issues but gives you plenty of attitude. If I could give negative star rating I would ONE UNITED is an absolute disgrace to the black community.

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OneUnited Bank **** is a strong word!

is a strong word! I don't write reviews, so please know pure anger towards this incompetent bank is what brought me here. *** story short, forget the logos and their flashy website..RUN! DO *** HERE. Everytime you call each of the young interns that were hastily hired last year without training, will each tell you something different, if they don't hang up on you first! They post debits before credits/deposits to collect fees. They promise you will have your deposit 2 days early...lies. Depends on how they feel. They promise 'overdraft privilege', which is nice as long as they are getting 100's of dollars in fees and then will cut you off, if you even attempt to dispute. You will never ever get to speak with a supervisor...you will always be transferred to an unknown mailbox...I once supposedly transferred to a supervisor, but it ended up being an empathetic HR manager, who has been the only 'higher up' that I have had a chance to speak with. Save yourself the headache of trying to reason with the teenagers they hire to cover for them! I wanted the bank to win so bad in light of the cultural shift...but nan, they are not built for this industry. And that saddens me!"

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M. Thiel
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This bank is terrible ! I have been waiting on my card almost a month now when promised *** days when initially ordering the card. After I didnt receive my card when the days passed, I contacted *** support which is a JOKE ! They have no *** service skills and they told me they would expedite the card for $50 fee and it would then be 3-5 days. Still no card and Ty *** service is no help. I have all my money deposited there and I now have no access to my money at all. They wont allow even a transfer so I can access the money and when calling in for help they cant assist. Worst bank ever Im advising everyone to never bank with them !

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L. Monahan
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I had the worst experience with this bank and I only got with them because they're black owned. My card got stole and I got to watch my money disappear because there is no option to change my pin or lock my card. To change your pin they're closed, there is no other option other than talking to a person and you have to wait til they wake up. Nobody is ever on chat, never, no idea why they have that feature. When I did speak to someone we talked but she never put in my card was stolen, never even ordered me a replacement card. A week after talking to her I never heard anything back so I decided to call and this man had no record of me filing anything, it literally started from scratch because I decided to call. This is trash and I wouldn't recommend. If your card is being used without your consent after hours, you don't have a stop option, and might get someone that further does nothing but waste your time. I'm highly disappointed and in the meantime set up another account with another bank that I can at least change my pin without having to wait until the staff wakes up.

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R. WEST
EASLEY, US

I would not recommend this bank to anyone. My card was stolen and charges were made on my account that I did not authorize. I called to report the missing card and fraudulent charges. I went through that whole process and a few days later I noticed that only part of my money was put back into my account. I called to see when the rest would be put back into my account and find out why I was unable to transfer those funds to a different account at one of my other banks since I obviously didn't have access to my stolen card and was unable to access my funds. My other banks needed my one united debit card number which I obviously didn't have because I have not yet received my replacement debit card. I can't access my money. I was told by an agent to try setting up Zelle. Zelle asks for your debit card number. Cash app asks for your debit card number. Trying to do a bank transfer through the one united app didn't work because it said the routing numbers for my other banks were invalid even though I had successfully used that same information for other purposes. There is no virtual card number provided by one united while you wait for your replacement card. There is no way to lock your card through the app like all other banks have which would have most likely prevented the fraudulent charges in the first place. I spoke to 3 different agents just this morning because one told me to try Zelle which didn't work. One hung up on me. The third told me there is nothing that can be done until I receive my new card. As soon as I get the rest of my money put back into my account and receive my new card I will be either withdrawing or transferring my funds and then closing my account. I was so excited to have my money with one united and do business with a Black-owned bank but now I'm so over it. I'm disappointed beyond words that this situation has made it impossible for me to provide the last items needed for my granddaughter that is due any day now. One united needs to do better

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L. Kutch
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This bank is predatory. Their fees are the highest in the industry and the tech is decades old.

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OneUnited Bank This is the worst bank I have ever dealt with

This is the worst bank I have ever dealt with. I opened a CD account many many years age and never withdrew from it. Each month I would just let it roll over. I was in the "*** Property web site" and behold I saw my name there for my account at this bank, They never sent me a notice. So when the account rolled over (you have 10 days to do a transaction to avoid a penalty charge}. I have been to the bank 3 times to close out the account and they keep giving me lame excuses and for me to come back. You have to stand in line an hour or more before you get to the window to be told to come back because they had to get an authorization number from the head office and they were not answering the phone. She tells me If I dont want to wait that long not to come back on Monday because It's the first of the month. I feel they are trying to stall me with closing my account until the 10 days are up so they can either charge me a fee or keep my money for another month. It's sad when you try to support your own color and be treated this way. When I saw them make an elderly customer on a *** wait in that hour long slow line was what helped me make up my mind to close my account and I am a senior also.

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Z. Braun
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If I could give it zero stars I would. Ive been receiving direct deposit in this account for almost two years now and have always gotten it two days early. However I was told today that that has stopped but was not given an explanation as to why. When you have a disabled child in the home and look forward to have your funds available early only to be told no they wont be with no explanation. Bad business. Needless to say once it does post Ill be closing my account but it looks like I may have another complaint to file because it doesnt seem like they like to close accounts.

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K. Cole
Birmingham, US

Try to open an account online, Gave all of my personal information only for it to be declined with the reply they will send me an email, Sometimes I wonder if it is worth it setting up things online as opposed to going into a branch! Horrible online experience

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B. Breitenberg
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I opened up a checking account for $100 in support of this *** and as it turns out it was a scam. After several months of having an account open I received a letter advising me that my account was overdrawn by $5. When I called inquiring about my balance, I was told that the initial $100 deposited had been deducted for minimum balance fees. In doing so, it left me with a balance of $10.00.

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B. Glover
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I can't tell if this is a bank or a scam.1. I put $2500 into a checking account for 2 years, and somehow earned $0 interest in 2 years.2. I attempted to transfer money out of this account before closing it, but the transfer failed and my account was locked.3. I contacted customer service to unlock and close my account. They told me they would open a ticket, and that I had to EMAIL them a picture of my ID to close my account.4. When I did as instructed, I received an email telling me to fill out a form. When i filled out the form, they told me to send them an email. I still can't transfer money out of my account.This is ridiculous, predatory, and probably illegal. I'm filing a complaint with the *** and any other banking institution I can find.

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OneUnited Bank Trying to work with OneUnited Bank was one of the worst decisions ever!

Trying to work with OneUnited Bank was one of the worst decisions ever! They give us blacks a bad name. When I saw how terrible they were, I asked them to close my accounts (in writing and over the phone). (I still have receipts.) They didn't...and they refused to send me a check. They forced me to use PopMoney. Later, they took out fees from my checking and savings account. They then told me to transfer my money out to another one of my bank accounts at another institution. I did. (Of course, there are more fees to do that... PopMoney) The following month they took out more fees. I literally had a rep just try to act like she was looking for correspondence between me and the bank. So, I gave her the dates and started reading them so she could clearly understand that I have ALL the receipts. She tried to make the excuse that they get so many requests for certain transactions that if certain things aren't processed in time that they would still charge customers monthly fees AND keep the money. I put in a request to close all accounts 2 months ago! She finally closed my accounts, but of course, they kept what they owed me. At this point, I don't care. I just refused to be connected to bad banking like this. I love supporting Black-Owned Businesses. However, this is one that is NOT trustworthy and will not be handling me or any of my clients' affairs, if I have anything to do with it. Beware!

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OneUnited Bank I hate to have to leave this review but everything you see here is true in regards to customer service

I hate to have to leave this review but everything you see here is true in regards to customer service. I tried to open an account and it was declined. This notification arrived via email with no explanation as to why. I called and after waiting for close to 45 minutes for someone to answer I was told it was due to the lack of responses of the required security questions. I informed them I in fact did answer those questions. I am not sure how the application would even allow you to submit without answering them. The first lady I spoke with told me that I needed to reapply. I figured ok simple enough maybe it was a system glitch. Surprisingly the online process denied me from reapplying stating I have an application on file. There is no way to reapply. I called back and the same lady answered in 2-3 minutes. She said she can't help me and needed to transfer me to "customer service" where I waited over 30 minutes again! Went through prompts to get another person in the same department who was also incompetent and advised that I needed to speak to customer service. I asked for a number and was given the phone number to *** to file a complaint. Its sad but this banking institution isn't ready to accommodate us. Unlike others I am happy to report that my money isn't tied up in any way from what I can see. The ACH transaction hold was released and the funds never left my account. I guess I will just stay with my credit union.

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OneUnited Bank Like what many other people have said, I really wanted to stick around and support ***, seeing as they are the largest black-owned

Like what many other people have said, I really wanted to stick around and support ***, seeing as they are the largest black-owned bank in the country, but I have been let down too many times to not switch at this moment. I would switch now if I would have changed my Direct Deposit in time and my *** refund has not come yet.First the fraud prevention "feature" they have is lackluster and terrible. I\'ve had them notify me twice about potential fraud, which the first time I was trying to buy 20 dollars worth of items from my *** in town that I\'ve been to many times, and the second I was attempting to get gas from a station in-town. However, when someone skimmed my card info and made 120 dollars of fraudulent purchases, they never notified me and luckily I check my accounts daily because I would have never known. Next their phone system is terrible. It should be clearer how to get ahold of *** over the weekend because how they make it appear when you call is that all offices for them are close on the weekend or on holidays, making it seem as though if you have a card issue and cannot use it, your out of luck.Lastly, dont ever order a new card design from them because they will cut off access to your current card right on the spot, days before you get the new card. There system should be upgraded enough to know not to cut off card access until I activate the new card or notify them that I received it. '

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OneUnited Bank My wife and I opened a joint checking and savings account last summer (around July-August ) with the intention of having this just be a

My wife and I opened a joint checking and savings account last summer (around July-August ) with the intention of having this just be a secondary bank account to make small payments while supporting a ***. We've had nothing but issues since...first, around December we started getting reports of a couple of fraudulent charges for very small amounts on both of our debit cards (meanwhile I had *** ONCE used my card for anything so ***?) and got an email and text notification saying our account was being frozen (without our consent) and to call to discuss the matter. This happened on a Friday night and we could not get ahold of anyone over the weekend so we had to wait until the following Monday to speak to a human being. We both called separately to deal with our own unique debit card situation (apparently the charges had been made from *** or someplace like that) and they said they'd cancel our old cards and send us new ones in the mail between 7-10 business days. It took 3 WEEKS for us to get our new cards AND I got *** DIFFERENT ones in my name. *** to say I haven't activated either since now I DEFINTELY do not plan on using my account. On top of that, now (March ) I am finding out I have potentially been a victim of identify theft (someone has attempted to open a *** account in my name) and I can't help but think whoever got a hold of my card information (when I had *** used it online or in person or whatever) had to have gotten it from this *** account somehow. *** to say we'll be closing our accounts ASAP. "

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OneUnited Bank This company is not for black people

This company is not for black people. I have never been treated and ripped apart by a bank in my life the saddest part is that a bank that says it respect, care, unites, and support black people. They wrongfully reported to my Chex system that my account was closed due to suspect of fraud and all money owed to them was paid in full. causing me to be denied to all other bank due to their report. I never committed fraud and whatever they suspected if they needed to investigate or review i would of had no issue. If by chance I did not follow the agreement or terms they stated i did than fine close my account as i agreed to but do not suspect me of anything without proof. I called went to the branch to get this resolved and no one could help. A frozen account and all my deposit being returned the remaining balance of my bank account taken 3 week to be sent in form of check was the most scary time in my life trying to go to another bank and being denied was so embarrassing. on top of that I never paid them anything for them to report I paid all my outstanding balance in full. I had to file a complain with FDIC to finally get *** to say oh if I get a Notarize letter we can remove the suspect of fraud. so all this time of this bank telling me "our hands are tied" it wasn't until i brought the big dogs that there was something that simple I could of done to prove i wasnt doing fraud. This is suppression at it finest. Your not for the black people you just feel you can openly judge us cause your black as well. I won't recommend this bank with to anyone, read your contract and agreement carefully and when you do see the wrong you are signing into.

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OneUnited Bank I think I'll never bank Black again!

I think I'll never bank Black again!I love my community. I am all to familiar with the daily frustrations and obstacles that come with being Black in America. I thought I'd put my money where my heart is and open am account with *** My Aunt is a member and sang their praises, so I opened my account online and made my deposit. I even had a direct deposit set up in enough time to where my debit card would arrive before the first deposit. The card has yet to arrive and it's been 3 weeks. I call the customer service and they told me the card had another 2 weeks before it would be deemed out of time for delivery. Then when I inquired about paying a fee to have another card overnighted ( as I have done with non black banking institutions) it would cost me $50.00 and arrive within a week!? Overnight is a literal term. And for that expense it would need to be that! I tried to transfer funds from my account to my other bank account, but my other account won't accept One United's routing or account number, and vice versa. I tried their fly by Night Pop person to person transfer app and that thing blocked me out of the account. I'd hate to think that I've been duped and a fake bank is playing with my hard earned finances. I'd hate to think that this is what I get for trusting my business with "black folks". It hurts when you want to support your own people's businesses and they always seem to let you down. No one has any solutions, no one seems to want to raise the standard. The customer service was as helpful as they could be but once this issue is resolved I'm done with one united. One and done! It hurts my heart. I really want us to thrive, but we only seem to produce mediocrity.

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OneUnited Bank For starters I thought banking black would be great but when I tell you this bank is Im by far one of the most unorganized banks Ive ever been

For starters I thought banking black would be great but when I tell you this bank is Im by far one of the most unorganized banks Ive ever been with. I signed up for my account back on September 15th, they say the cards take *** business days to receive, I called October 1st told me to be on the look out it should arrive any day. October 4th comes around no card the rep verify my account and address and states she will reissue a new card but to allow another *** business days. Now October 15th is here speak to a representative oh you should receive is within a day if not call us back at this point Im thinking the bank is a scam. I call back October 16th no card a rep decides to dig deeper to come back to the call to inform me my card was never shipped this has been 2 cards I been waiting for as a new customer and they explain to me my card was never sent. So I immediately escalated the call to be told no manager is available to speak with Im not sure what type of bank this is but Ive always been about supporting my people but to have to wait for your card after a month in to signing up for the account to find out the first and second card was never shipped is very disappointing. We are suppose to trust banks with our money and this is what the problem is today. So I was able to get my card expedited took 2-3 days to come. So I am closing this account because theres no way in h*** as a first time customer you should be lying to your customers. I recommend to go elsewhere and bank with someone else they need more experience and customer service friendly representatives that take there jobs more serious because it took 4 to 5 calls before I was told my card wasnt even shipped. Never again!

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OneUnited Bank If I could give zero stars I would, two years ago I decided to bank black

If I could give zero stars I would, two years ago I decided to bank black. I opened a debit card with One ***, I took out $25 a week from my *** account to fund it. I funded it every week, but found that every month they took out $20 as a fee. For two years I felt I was just going to eat the fees and see if there was some benefit to the card in the long run. The answer obviously is no, its just a debit card that takes about $220 a year of my savings to hold it. After the *** of 2020 I decided it was time to shake loose of this *** of a company, black or no black banking. I had $52 left in the account and I transferred it out online early in January, I then a couple days later called to cancel the account. I was told that cancelling would stall my last transfer... I thought about it and decided while I had the time and the will to just be done with this company. I only asked that they not take any more money out of my *** account. The rep said no more debits would happen as the account was closed. Well you can guess that by the next week my account was definitely cancelled, but definitely they were still taking money out of my *** account. I called customer service today Jan 11th to complain and they gave me the run around as my money didn't post nor do I have a seeable account for them to check, it just got sent to the void or something. That call did not end well as the rep tried to get me a supervisor who did not come to the phone, the rep then wanted me to send my proof to an email, have me going in circles for weeks. I refused and that was that. I called *** and made a claim for my funds and to have the debits cease. This was a sad ending to something I wanted to be proud of. *** on them, *** of black people stealing from black people while saying they are doing it for the culture."

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OneUnited Bank I would not recommend this bank to anyone

I would not recommend this bank to anyone. My card was stolen and charges were made on my account that I did not authorize. I called to report the missing card and fraudulent charges. I went through that whole process and a few days later I noticed that only part of my money was put back into my account. I called to see when the rest would be put back into my account and find out why I was unable to transfer those funds to a different account at one of my other banks since I obviously didn't have access to my stolen card and was unable to access my funds. My other banks needed my one united debit card number which I obviously didn't have because I have not yet received my replacement debit card. I can't access my money. I was told by an agent to try setting up Zelle. Zelle asks for your debit card number. Cash app asks for your debit card number. Trying to do a bank transfer through the one united app didn't work because it said the routing numbers for my other banks were invalid even though I had successfully used that same information for other purposes. There is no virtual card number provided by one united while you wait for your replacement card. There is no way to lock your card through the app like all other banks have which would have most likely prevented the fraudulent charges in the first place. I spoke to 3 different agents just this morning because one told me to try Zelle which didn't work. One hung up on me. The third told me there is nothing that can be done until I receive my new card. As soon as I get the rest of my money put back into my account and receive my new card I will be either withdrawing or transferring my funds and then closing my account. I was so excited to have my money with one united and do business with a Black-owned bank but now I'm so over it. I'm disappointed beyond words that this situation has made it impossible for me to provide the last items needed for my granddaughter that is due any day now. One united needs to do better

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OneUnited Bank Complaints 15

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3:17 pm EST

OneUnited Bank Please release my money

Rewrite complaint unsatisfactory: I’ve with one united bank for over 3 years NEVER have I ever had to go through this about MY MONEY. I’ve been attempting to get my money out of my checking account for 2 weeks now. I’ve been to the ATM and I’ve been trying to spend the money, my card keeps declining, no cash back. I’ve called customer service twice to close out both accounts and mail me my money. The representative supposedly closed both accounts, and mailed out my money 4 days. The accounts are still open, my money is still in the account . PLEASE GIVE ME MY MONEY.

Desired outcome: Please release my money.

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1:23 pm EDT
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OneUnited Bank Can't speak with anyone who can help me with my issue to get it resolved.

I have an issue with my credit card and it has been extremely frustrating trying to find someone who can help me with my issue. All they can do is connect me with someone who handles lost or stolen cards and that is NOT my issue. My issue is that your company for some reason canceled my credit card and I keep getting letters telling me that my account is past due. How can this be possible if my account is closed? I have called many times and have had no luck. I would not recommend this bank even to my worst enemy.

Desired outcome: Contact me and give me a legitimate phone number so I can speak to someone who knows what they are doing and can help me. This is absolutely so ridiculous.

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4:19 pm EDT
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OneUnited Bank Handling of my personal information

I opened my account with oneUnited Bank more than 4 years ago. I moved from a residence about 3 years ago. Changed my address online. I contacted the bank for a dispute of $8100 in January 2023, claim #3501178. They transferred me to a company who they outsource disputes to. This company has my wrong address on file. Refused to update it, says they do not have the ability to change it as they service many bank's dispute in the USA, including OneUnited Bank. They require information from me for this dispute. They continuously mail this required information to an address where I no longer live. This is utter negligence, and total fraud. I have talked to several people at the bank, as well as this company Fiserv. I have even done a survey to cry out for help as this dispute company requires supporting documents to return my funds. How am I supposed to get this letter if the address is incorrect? God help me and so many others. I have had correspondence since January 13, 2023. I have finally got the email to send what they require now, my tax information, why? really? I received a response from that email saying they need my claim number and more information. Of which is in the email as well. Be aware, be careful. This is fraud and corruption. I am going to seek legal representation. It is impossible to get anyone at this bank to assist. My agreement and money is with this bank. My debit card expired as well and they said they have mailed me a new one. How, when I still did not receive it, and they have never sent me any correspondence. I have been doing everything online. Due to this disputed amount, I am not able to get any help, and documentation is needed. No one seems to help with this. Is this intentional fraud? It seems like it. I am closing near the 90 days of this dispute and to date have not received any documents.

Desired outcome: I want a letter from the bank to disclose who else they outscourced my information to and why is the incorrect information submitted to 3rd parties.

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Is OneUnited Bank Legit?

OneUnited Bank earns a trustworthiness rating of 100%

Highly recommended, but caution will not hurt.

Our conclusion: OneUnited Bank stands out for their exceptional legitimacy, according to ComplaintsBoard’s detailed analysis. This highlights OneUnited Bank's reputation as a trustworthy leader in their field. Customers can rely on OneUnited Bank's services, assured they're dealing with a highly reputable and fully legitimate company.

We found clear and detailed contact information for OneUnited Bank. The company provides a physical address, phone number, and 2 emails, as well as 4 social media accounts. This demonstrates a commitment to customer service and transparency, which is a positive sign for building trust with customers.

OneUnited Bank has registered the domain name for oneunited.com for more than one year, which may indicate stability and longevity.

Oneunited.com has a valid SSL certificate, which indicates that the website is secure and trustworthy. Look for the padlock icon in the browser and the "https" prefix in the URL to confirm that the website is using SSL.

Oneunited.com you are considering visiting, which is associated with OneUnited Bank, is very old. Longevity often suggests that a website has consistently provided valuable content, products, or services over the years and has maintained a stable user base and a sustained online presence. This could be an indication of a very positive reputation.

Several positive reviews for OneUnited Bank have been found on various review sites. While this may be a good sign, it is important to approach these reviews with caution and consider the possibility of fake or biased reviews.

OneUnited Bank website is deemed to be popular and indicating that it receives a high volume of traffic. It is important to be cautious when using a highly trafficked website, as it may be a target for cybercriminals looking to exploit vulnerabilities or steal personal information.

Oneunited.com regularly updates its policies to reflect changes in laws, regulations. These policies are easy to find and understand, and they are written in plain language that is accessible to all customers. This helps customers understand what they are agreeing to and what to expect from OneUnited Bank.

However ComplaintsBoard has detected that:

  • OneUnited Bank protects their ownership data, a common and legal practice. However, from our perspective, this lack of transparency can impede trust and accountability, which are essential for establishing a credible and respected business entity.
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OneUnited Bank I joined this bank because there was a lot of requests to "bank Black" and support people of color, which I am myself

I joined this bank because there was a lot of requests to "bank Black" and support people of color, which I am myself. I didn't need a bank account and I can count on one hand how many times I've used it. I added money to both checking and savings accounts and simply left them there. I paid a credit card bill live with the checking, a one time payment, and a couple of small payments to other things. It started with my checking account. I would add money and then I would receive a notification that my account was overdrawn by a few dollars. Initially it was small so I thought maybe I missed where they charge a fee to have the account. So I just added more money so that my balance was on the positive side. Then I received another notification of it being overdrawn around three dollars, which I thought was strange again. Then after a while it jumped to to $20 and some change. When I logged in to check out the account to see what was going on, the first thing I did was check all my settings. It stated my savings account was NEGATIVE OVER $200! There was no overdraft protection or anything on, and you have to apply for it which I did not. There were all of these charges for $37 and then a couple dollars, either $2.30 or $3.12, what is going on over there!? Starting with 9/10, 9/11, 9/17, 9/18, I know there were 2 $37 charges on 10/28, 11/9, 11/17, and 12/9. Then they had the nerve to close my savings account! I then decided to look up this bank. I hadn't done any kind of research, just heard about this bank and how everyone was joining for support. I then see all of these complaints describing what has been happening to me! Okay, so I'm not the only one they are doing this to. I sent an email to customer service stating all of this and have never received a response and getting through to someone on the phone is impossible. I want to clear this up and close my account immediately because I've been working on my credit for quite sometime and I do not want all my hard work to be destroyed by this company because they feel they can get over on a few people.

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K. Feil
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One *** charges NSF fees for transactions even when there are deposits made within the same time as a charge. I get biweekly payments that come to my account but a service fee is charged for them. Everytime the deposit and fee are processed to my account I get charged a $37 fee and have to call to have it reversed. Now they are refusing to reverse anymore fees. They are taking $37 from me everytime I get paid. Then I called to tell them a transaction was unauthorized because I had already paid the bill through other means while trying to get refunded for the multiple $37 charges that were on my account. They informed me that they would not stop the pending authorization. I told them I wanted to close the account and they stated that they would not because I had charges pending. Then the next day they charged another fee do the the unauthorized transaction that they would not stop.

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N. Konopelski
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Unverifiable and Misleading Information Reported. Delete this unverified and misleading account.

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N. Stehr
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My funds have been pending since 9/12/2022 where a payment did not get processed. My bank is still holding the funds stating I would need to contact the other financial institution to release them but this is a recurring issue that prevents me to use my funds. This is not a one time issue. It happens every week.

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L. Nikolaus
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Company incorrectly reporting missed payment to credit bureaus. Never missed payment, They tried to draft my account twice for same payment, my bank kicked it back. They closed account until error was corrected, but never missed payment any other time. Need this error corrected, in process of purchasing home.

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OneUnited Bank What is my position too this business

What is my position too this business . Is it president or general partnership . I order the *** from the *** They send it too me .but I want no still what my position is in this business .in order too get a tax certificate on the business u will have to be a owner or control the company . All my owner is from a trust set up in the year of *** . By the Rockefeller family standard oil companies *** station and *** international old owmer of all of this is deceased owner *** . ...his business *** exam address .please note .all this stuff is under trust care . So inorder too see what is what .u will have too do a *** exam from a *** company or go too the *** ya self . ...my owmer is huge. So it mite be the *** them self . Cause ucc *** . Hide my ownership . ...but a *** company my get it .try it . Filed in year of 2007 . ***. *** . *** . Trustee registration address ...the names on these property is business name .the *** exam will show the company name .those name or hiding . The name on the property are she'll names . The *** exam will show the real name of the business . *** real estate lp . Coldwell banker association *** .owmer too all this information in this message I was made beneficiary owner too all of this as a inheritance . *** . *** . I am ask for my owmer ship bank account too one united bank and cpa accounting too what the company got going on all business transaction . Cpa accounting ...trustee are *** . *** . His phone number . ...*** and *** . *** . ...*** .

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A. Feest
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Back in April there was a 30 day late payment for *** added to my credit report i did get any information on this ***. I called the company to see what was going on and how could this happen. the rep told me that there was a *** fee from the company that i wasn't made a wear of. and because the *** fee was not paid it received a *** late fee and because the late fee was not paid it was reported to my credit. I explained to the rep that i didn't get any information regarding this information but what i had received was several advertisements. The rep stated that she could credit me the late fee what i would need to file a dispute who the credit complanies and they would get it removed off. I did this the late came off one of the complanies the other two send information back stating that the *** that was 30 days late was vailed. I then called back and asked to speak to a manager the Supervisor came to the line and told me that i would need to mail in a letter and they would reply back with in 7 days. I mailed in a letter and i didnt hear anything back. So today i called I got a supervisor *** tho seem to be disengaged from the call and wanted to rush me off the phone instead of handing the issue. She came on the line reached to get me off and get me somewhere else. I have spoken to over 15 people who has provide me with different information including *** Today she tells me she will have the credit department to give me a call back and if i come hear from them in 48 hours to send a email. ( something just to get me off the phone.) It wasn't a sure resolution. I asked her to speak with her manager and she said i couldn't in so many words. All i want is this removed off my credit. Im not sure how to handle this or who to even talk to i have gotten pushed around to no one seem to want to assist me. i been told the steps to get it correct only to find out it not the right steps.

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V. Schaden
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Bank cards were reordered. We had to go a week without access to our money. We received the new cards but are unable to activate them due to a problem with their service number. Contacted the four separate times with no resolution to the problem. We have bills to pay and no money!

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F. Wintheiser
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After being spammed repeatedly via email and seeing continuous ads on *** I attempted to open a checking account with OneUnited on August 22, 2022. After completing the application and giving them my initial deposit via my *** debit card, I was declined. OneUnited states in writing that if one is not approved for an account then your deposit will be returned IMMEDIATELY. Four days later I still ave two pending charges on my current account and as many others have stated, emails go unanswered.

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OneUnited Bank I am DOD Civilian

I am DOD Civilian. DfAs deposited my LQA into my OneUnited Bank account. I tried to transfer $42000 into another bank on the base in *** so I could withdraw the money and pay my annual rent. I could not. I called the bank asking could they wire the money or something. The 1st lady (recorded call) told me I could transfer $20000 today and $20000 tomorrow. I asked about the other 2,000 she said I had to wait until next month. So I asked if that was what I was supposed to tell my landlord? I asked to be transfer to someone who could help (meaning a manger/supervisor). She transferred me to the next customer service agent. I immediately told her I wanted to talk to a manger/supervisor. She transferred me. I got got a voice-mail. I left a voice-mail asking to be contacted by email because of the time difference. I called back right away. I got another lady. Again, I immediately told her I wanted to talk to a manager/ supervisor. She asked me to explain the situation (again, recorded). I explain that I need all $42000 to pay my annual rent. She then asked me why I can't pay it monthly which was really know of her concern. She then tells me I could send an email to customer service to receive a check. I told her that would take another 3 weeks and I needed to pay my rent like now. I also explained that if the government wanted me to have a check they would have sent me one but they didn't they gave me direct deposit. I ask again to speak to a supervisor. I get another voice-mail and leave another message asking to be contacted by email. After leaving the voice-mail I go transfer the $20000. The next day I try to transfer the other $20000 and get a message saying I can not because I meet my monthly amount already. I was told I could transfer $40000 in a month. The day the money was supposed to be deposited into my account I get an email saying it didn't go through. Then I received a voice-mail saying they wanted to talk to me about my transactions. The same transactions that you have me on recordings multiple times saying I needed to make. Yet, I can receive a call about that and not a return email (as I asked) or a call back from the voice-mails I left? I want ALL of the money ASAP to pay my rent and close my account ASAP.

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G. Dare
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I logged into my OneUnited account and it said no account found. I have over 24k in savings. I called and the rep told me my account is closed because I filed a claim. I never filed a claim. Then she said it was being investigated. Again, I never filed a claim or received notice that my account had been closed. I need access to my funds. Account #

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B. Morar
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Like others have mentioned, this bank breaks the law by charging excessive/unwarranted overdraft/NSF fees. This has happened on several occasions, and Im tired. No one is helpful or informed when you call, and there is never the option to escalate your call to a real supervisor. I only banked with them because theyre black. HUGE mistake. It is shameful to see a business taking advantage of its own community. Now, on to the complaints. In June, I was on vacation and my husbands card was hacked. We immediately call them to freeze his card, reverse the charges, and not allow further transactions. Simple right?! Not for them. After speaking to 5 or so folks, we were told that they couldnt deny the charges (they hadnt even posted) because the vendor disagreed. Of course the person hacking your account isnt going to hand funds back over willingly. I was floored to be told oh well. Then, they proceed to allow additional charges on the alleged frozen card. They also refused to immediately release those funds. Mind you, Im on vacation, had just gotten paid, and then had my spending $$ stolen. They couldnt care less. Then, they finally refund the charges, but over credit my account. 2 weeks or so later, they take the over credit back (fine), overdraft my account, and then proceed to charge me 5 $37 overdraft fees. For their mistake, and somehow they could only refund 3. In the middle of all this, my next check, and a debit transaction, hit at the same time, resulting in a positive balance by end of business. Of course they let the debit come through first, then an overdraft fee, and then my pay, all before start of business, refusing to refund the fee. Then I asked to close the account (while it was positive) and they claimed they did, but let a charge clear the next day (charging another fee). They then say I can only close my account once its positive. In total, they refunded only 4 of these 7 charges, meaning they owe me $111. Pay me and close my account!

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K. Herzog
Verified customer This complaint was posted by a verified customer. Learn more

I am aware of the rights I have, which are protected by The Congress under the Fair Credit Reporting Act (FCRA). ONE UNITED BANK has violated my rights under 16 USC *** 15 U.S.C *** section 602 A which states I have the right to privacy. 15 U.S.C *** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions. Please remove from all three credit bureaus immediately. I have attached my proof of identity as well as proof of address

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A. Erdman
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My purse was stolen recently and my OneUnited debit card was in it. There are $600 worth of unauthorized charges posted to my checking account and no one can tell me when of if I will get my money back. Ive made several phone calls and left voicemails but no one from the bank will assist me with this matter. I requested further information about the fraud protection offered to customers and got nothing. Ive been transferred to a third party vendor several times, who I believe is in a different country and offers no help or information about my money being returned. My other banks had no problem providing credits and fraud protection but OneUnited has offered me nothing. Thieves have stolen my money and this bank is nothing about it at all. No alerts were sent to me either and Ive never made these type of charges with this account either. Once this is done Ill be closing my account. Im so happy I never transferred all my savings over to this account. Its simply not worth the risk.

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OneUnited Bank I've had an account with OneUnited for a few years

I've had an account with OneUnited for a few years. recently I had not been using the account as often due to my business being slow but to my last knowledge I had a small but positive balance in my account. Without my knowledge my account was overdrawn and my issue is multiple things. First I did not agree to have any overdraft protections set up on the account the last person whom I spoke to in regards to the matter of overdraft helped me with this and it was to my understanding that no transactions would be approved if the funds were not available. They allowed two LARGE transactions to go through via my debit card. OneUnited never contacted me to notify me of my account status, I just happened to attempt to log in one day and my accounts were gone! when I contacted customer service(which every time I speak to someone they are RUDE and NONCHALANT) the rep notified me that my accounts were closed due to being overdrawn, I asked why I wasn't notified, I didn't receive a phone call or letter she proceed to tell me that they emailed me. I never signed up for paperless anything! I was receiving letters with no problem I went through my emails and the only email I received was asking me do I want to sign up for overdraft protection. I didn't receive anything indicating that my accounts were overdrawn nor closed! When it comes to financial matters unless the customer specifically states they want paperless email should not have even been an option. I tried to complain to the rep about it and also see can the fees be removed and I would pay off the balance(I did find out where the charges were from and I have handled things with that company) the rep told me that I couldn't pay over the phone(um this is supposed to be a bank why is the only option to mail in a payment?) and that she can't do transactions on a closed account. I find all of this completely unprofessional I wanted to close my account because of too many previous issues but I wanted to simply support. I would like the fees removed and to pay off the balance and get this account removed from my *** report. Because of this situation it has completely slowed down everything. let me pay for the transactions minus the fees and move on from this unprofessional company.

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S. Koss
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ONEUNITED BANK IS SUBJECT TO FCRA VIOLATIONS FOR NOT REPORTING UP TO DATE MONTHLY ACCURATE ACCOUNT INFORMATION TO TRANSUNION, EQUIFAX, EXPERIAN ON TWO ACCOUNTS THE COMPLAINT IS FOLLOWS BELOW AND OF RESOLUTION TO MY COMPLAINT.COMPLAINT DETAILS MY OLD SECURED CREDIT CARD ENDING IN *** MAY 2022 BUT THERES BEEN NO UPDATES TO ALL CREDIT AGENCIES AS OF APRIL *** DISPUTE AT THAT *** BUT ONEUNITED BANK STILL REPORTED TO ALL CREDIT BUREAUS OF THE INCORRECT INFORMATION AND HAS STOP REPORTING MONTHLY AS REQUIRED BY FCRA LAWS. I AM ASKING THAT ONE UNITED BANK UPDATE ALL CREDIT BUREAUS ON ACCOUNT ENDING IN *** AS LOST N STOLEN WITH ZERO BALANCE AND ALSO REMOVE THE *** DISPUTE THAT PUT MY ACCOUNT OVER THE LIMIT WHICH LOOKS NEGATIVE ON MY CREDIT REPORTS AND MY CREDIT SCORE IS SUFFERED BECAUSE OF THIS ERROR.AS FAR AS MY NEW ACCOUNT ENDING IN *** IAM ASKING THAT ONEUNITED BANK HAVE THIS NEW ACCOUNT RE-INSERTED AS NEW ACCOUNT WITH CORRECT BALANCE OF ZERO AND REMOVE THE HIGHEST BALANCE REPORTED OF 489 BECAUSE THIS LOOKS NEGATIVE TO OTHER CREDIT LENDERS WHEN THEY SEE THIS ERROR HIGH BALANCES REPORTED.ALSO THIS NEW ACCOUNT ENDING IN *** IS NOT REPORTING AT ALL TO ANY CREDIT BUREAUS UPDATE: I CONTACTED TRANSUNION EXPERIAN AND EQUIFAX ON JUNE 2, 2022 THIS IS WHAT THEY ADVISED ONEUNITED BANK TO DO TO SHOW MY NEW ACCOUNT AND ALSO UPDATE OR DELETE LOST N STOLEN ACCOUNT SO IT WONT LOOK NEGATIVE ON MY REPORT.*** INSTRUCTED ONEUNITED BANK TO RE-INSERT ACCOUNT ENDING IN *** AS NEW ACCOUNT SO IT WILL APPEAR ON CREDIT REPORT.*** INSTRUCTED ONEUNITED BANK WITH TWO OPTIONS TO RE-INSERT LOST N STOLEN ACCOUNT ENDING IN *** AS NEW ACCOUNT AND UPDATE ACCOUNT OVERALL HISTORY AND REMOVE THE HIGHEST BALANCE OF 489 OR REQUEST DELEATION

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K. Padberg
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I deposited a cashier's check to my one united savings account on 5/21/22. $225 was available for withdrawal after the first business day. the remainder became available the 5th business day. after a small withdrawal yesterday, today the funds disappeared from the account without notice and put my account in the negative. *** said the check was returned for NSF and it will be mailed to me within ten business days. and that I could resubmit it. I called back in the afternoon with more questions for future reference of making atm deposits and was blasted with a different attitude and was hung up on while asking an important question why the check became available but then returned only the next day. I called back and a customer service person was agitated and aggressive in telling me the check was "altered", but only guessing in an alleged attempt to rip me off and this time saying it won't be returned by mail at all. I'm complaining about this attempt and that it is "impossible to alter a check" and I have never heard of this. this was mean, harmful, and threatening service being thrown my way with a personal greed motive to take money away from me as a hobby by a bad bank that makes bad calls. I'm complaining that is over the top and want to demand the funds be placed back into my account via the check resubmitted, or that the check be returned to me by mail as first said by customer service, before a seemingly planned or "better idea" came into the mind of the second or third rep I spoke with. I'm complaining that these actions by this bank are alarmingly irresponsible and are along the lines of theft. Account type: Savings account no: *** routing no: *** ACH:

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J. Greenholt
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While checking my credit report I noticed a OneUnited Bank credit card was listed as a charged off account. This was a secured credit card I had from years ago. I don't know how it could possibly be marked as a charge off when it was a prepaid card with the security deposit so technically it was my own money.It is on my credit report as a $23 charge off. I disputed this several times with the company and the credit bureaus to no avail. OneUnited has never responded to me nor will anyone on the phone help me as they cannot find my account. Then how can they verify it for the credit bureaus when I dispute it if they cannot verify my account when I call? I cannot even get an address to send a payment to, not that I would as supposedly I have no account on file with them. This company needs to do better at reporting correct information to the credit bureaus.

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L. Flatley
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I filed an original complaint on 5/25/2022 and OneUnited Bank has yet to clean up their predatory 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 or if there is a pending deposit charges are held until it post. I have relatives who are bankers who also pointed out the discrepancy. 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. They have racked up $222 (6 $37 NSF) in fees for less than $160 in transactions in one day although I have overdraft opt out which they have never honored. This happens regularly only on my payday of all days so the funds are there pending yet they post everything BUT my check, I prepaid 5 small bills under $50 each to post on or by 7/5 and the funds were available in my account to cover, not only were the payments held they pushed through a large charge over $250 to come out first which was not supposed to post until the following day 7/6 on my payday and as usual my paycheck is pending and everything else is conveniently going through. In doing so, it caused my account to be overdrawn BEFORE the smaller charges could clear causing multiple overdraft fees which could have been avoided had my transactions posted as they were submitted. I once again did my due diligence and called customer service and asked if I could speak to someone who was a banker and the agent cold transferred me to a VM without prior warning (poor customer service) I received a call back from another inexperienced agent who as always of no help, here we are AGAIN and will follow-up with another complaint to CFPB.

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OneUnited Bank On 8/27, in the evening time (7:30pm) I set up an online membership with One United Bank

On 8/27, in the evening time (7:30pm) I set up an online membership with One United Bank. After providing a username and password, all sensitive personal identifying information (name, SS#, DL#, primary bank card number etc.,) and making the initial $50.00 deposit; I was then redirected to set up the online bank account. That online process required again...a username ID and a password? (I used the former log in info that was used to set up the membership). The online account set up then gave an error message that the log in id and password information was incorrect. So, I then decided to use a secondary login ID and password (different from the membership log in). Still, no access to set up the online bank account. I then refreshed my search browser and attempted the process 3 additional times, after not being successful, I elected to wait until business hours the next day to try again, still same result! I then elected to call the company at (*** in the early morning of 8/28, I was on hold by the automated phone system for 1 hour 10 min, only to have the phone call disconnected. I attempted the phone call 4 additional times throughout the day, still same result. My last attempt at 4:01pm I was placed on hold for 45 min the automated music stopped playing and the phone was connected. There was silence on the line for about 1 min then I could hear background noise then the phone disconnected. I immediately called my primary bank and requested that the $50.00 charge to my account be investigated. An additional charge that appears to some sort of service fee of $5.00 was also charged. I will wait to see what the outcome of my primary bank's investigation will result in. I am upset and angry that this company has my personal information and now I have to worry about it being compromised. I only chose to try out this bank after it was advertised on *** radio. I feel that the customer service and the legitimacy of the company is questionable and they have my info and now I have to be overly concerned and worried that my personal info, banking info, driving info, home address info is floating around because of terrible online security of customers personal information. I regret my decision to ever consider this bank as an option.

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OneUnited Bank Mid September i applied and was approved for the *** card- A secured credit card offered by One United bank

Mid September i applied and was approved for the *** card- A secured credit card offered by One United bank. September 24 One United bank withdrew 1,000 from another bank account in order to open my secured credit card. On September 26 i received an email informing me i would receive my card within 7 to 10 business days. After not receiving the secured credit card i attempted to contact customer to notify them of me nit receiving the card. I was not successful. I also wanted them to change my address on file. i continuously received an error message from their website where i tried. The entire month of October i made numerous attempts at contacting One United Bank. I also sent an email and did not get a response till until the 26th of October from customer support. After countless tries i was able to change my address over the phone through answering security questions and also notified the individual of that i had not received my secured credit card and i was transfered to the credit card department. That individual transfer me to loss or stolen were i reported my card lost and another was sent out. December 1 I called One United again to inform them again tat i had not received my card. In the mean time my credit availability had gone up 1,000 dollars and a credit card account was add to my credit report going on a month now. December 3, i received a credit notification of a reduce in credit availability by 1,000 dollar so i called One United again. I informed the customer service representative that my credit report reads that my One United account was closed and that i had not received my refund of my 1,000 dollars in which i open my account with if it was in fact closed. The customer rep checked my account and told me that my account was still active and my card will be shipped out soon. I also verified with the representative my address on file and to my surprise it was not updated. December 18 i still had not received the card so i called and requested the account to be closed and my money returned. I asked for a complaint number and was given one on that December 18 phone call. Although i have called countless times i have the names and times of the individual's which i spoke to. I never received the *** card from One United bank.

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OneUnited Bank I applied and was approved to open an account back in August

I applied and was approved to open an account back in August. However, I didn't receive my card associated with my account until 1/4. Before that day I had called at least 2 times to explain that I still had not received my card. On one of my calls I advised the rep that I had been charged 4 months of monthly service charges despite never receiving my card to actually receive any services from them. The bank is located in *** (to my understanding) however, I live in *** so I am/was not able to walk into a location to utilize their service either. I asked to just close my account and just get my funds refunded, however, I was told that I must be at a 0.00 balance in order to close my account. On 1/5 I activated my card since I had finally received it the day before. I also noticed that they had once again already charged me another 10.00 monthly service fee on 12/31 despite me not receiving my card until 1/4 the representative told me that I would be refunded the 10.00 however I noticed as of 1/13 I have yet to receive my credit back to my account. I called customer service at ***. On my first call of the day it just dropped on me. I called a second time. I advised the rep of my situation, she said there was nothing she could do. I requested to speak to a supervisor she told me "They will just tell you what I just told you." I advised her to let them tell me then. I was then just transferred to a voicemail without any notification. I then hung up and called back for a third time. This time I spoke to a wonderful rep. I immediately requested to speak to a supervisor. I was informed that the supervisor was assisting another rep and she would attempt to assist me. I advised her as well of my situation. She then advised me that as a customer service rep the most they can do is a 1 time credit and since they had previously credited the $40.00 she couldn't do it again. Therefore it would have to be escalated to her supervisor. She placed me on hold again and came back and told me the supervisor was still assisting someone else and that her supervisor requested that I leave a message and she would return my call before the close of business on 1/13. The call time was 12:14pm. However as I type this at 8:42pm I have yet to hear back from anyone.

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OneUnited Bank I opened a checking account with OneUnited Bank a few months ago and I only had issues getting in touch with customer service and with lengthy

I opened a checking account with OneUnited Bank a few months ago and I only had issues getting in touch with customer service and with lengthy wait times. After signing up I spoke with an agent about deactivating my overdraft fees privilege and she guided me to where I could disable it myself online. I signed my agreement to have this feature disabled. Fast forward to this month I had fees that were scheduled to come out of my account, but knowing that I had no money in the account I was not worried about overdraft fees because this feature was deactivated from the get-go. However, I log into my bank account and I see a $37 charge for insufficient funds. I say to myself that this must be a mistake because I have that feature disabled. I try calling OneUnited customer service twice and after being on hold for over 20 mins both times I get disconnected before even getting the opportunity to speak with a representative. I try calling the next day, and I was on hold for over an hour and did not get to speak with a representative, so I had to hang up and go to work. The next day, I contact OneUnited via *** and ask if someone can reach out to me because I have been calling and no one is answering the phones. They respond to me a day later and say they will forward my information to the customer service team. After tw days without a response I try calling back and finally get in touch with someone who says she is a supervisor. By then, I had FOUR insufficient funds charges on my account. She tells me that there is another feature to deactivate charges from accounts (this was NOT in the app and was not was this visible on their website). I told her that when I initially signed up I made it my first point of duty to ensure that I would not be charged for overdraft protection, and now I am being told that there is another way that they are trying to charge me. She turned off this feature on her side and credited me for TWO of the overdraft fees but said each account only allows 2. That is completely unacceptable. I want the other 2 overdraft fee charges refunded as well. The customer should not be charged for something that was hidden. I really wanted to support this bank, but they are robbing black people. Don't play with my money. Customer service and service overall is atrocious. This bank is a scam!

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OneUnited Bank Good evening and thank you for taking the time to review this urgent matter

Good evening and thank you for taking the time to review this urgent matter. I have had a secure credit card with this company for less than 1 year. Although I did have some dissatisfaction with the way they process their payments but this has to be the worst situation I have to deal with. Especially in hopes of trying to re-establish my credit. On February 15 I went on their website to make a payment and it was telling me that it was not working and to try again later. Paying online has always been my form of payment. I have tried serval times that day and then decided to try the next day. Feb 16tth I sign in again the website says the same thing. I end up calling the 1800 number on the website for web support, they have a separate number for customer service. Web support tells me to try again later, mail a check or call the 1800 number to make a payment. Since my payment was due on the 25th mailing was not an option. I then call the 1800 number to make a payment and it tells me that it is not able to process any payments at this time. At this point I am frustrated so I then call Customer Service to see what is going on. I speak with a specialist in Customer Service and they have no clue that their online website has been down for almost a few days now and tells me to mail a check. I then request to speak to a manager to let them know that I will attempt to mail a check, which would arrive late due to this inconvenience, not to charge me a late fee and to report to the credit bureau. Since this is the company's fault. I then schedule a bill pay with my primary bank and they mailed One United a physical check on Feb 23. As I write this on March 6th the company has YET to receive the check. I called One United again on March 4th to see if they have received it and they stated that they did not and the website did not have an issue, after checking that day and telling them that they did. Before writing you I checked the website an automated phone service and it is still down! In the world we live in I imagine that a lot of their customers rely on the Online payment service let alone the automated phone payment services. So for this company to tell clients they have the option and in reality do not is a big let down. I also want to bring up the fact that this company has such poor ratings I am surprised this company is still running as a bank!

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OneUnited Bank First issue - I travelled out of the country recently and notified the bank in advance so I would be able to use my card to access my account

First issue - I travelled out of the country recently and notified the bank in advance so I would be able to use my card to access my account. I arrive to my destination and attempt to withdraw money from an ATM and receive an error "Unknown Transaction Destination." I called the bank (incurring roaming charges) and after waiting 20 minutes talked with a Rep who said she didn't know why I received the error, or what it meant, because she saw the travel alert. She advised she added an "exception" and I should be fine. I tried the ATM again and received the same error. I called back and was told same thing, and that I would "receive an email update." Not even a phone call. I tried the ATM once again, same error. The bank's staff's incompetence would've left me stranded had I not had some cash on hand, and people kind of enough to loan me money in the interim. Second issue - I was charged nearly $400 in overdraft fees, although I had sufficient funds in savings to cover my transactions. I called the bank 7 (SEVEN) times over the course of 4 days only to be on hold for 20 minutes, once disconnected on their end, and once left a message for a callback that never came - but instead received a generic email telling me to call back. I called again today 3/18 at 10:05am ET and spoke with a rude Rep named "***" who told me I don't have overdraft protection, so the bank took the liberty of charging me 6 $37 fees per day and never bothered to call me to warn me or even make sure there was no fraud or other issue on my account. Never called to advise I don't have overdraft protection and should consider signing up. How ethical is that? But I'm not surprised, considering the poor reviews I see for this bank. And when I asked "***" about reversing fees she repeatedly told me the bank will not do that. That they could only do 3 maximum. And when I asked for her supervisor she advised they allegedly were too busy for the call and would not be calling me back either. There was ZERO effort on "***'s" part to resolve the issue or bring customer satisfaction AT ALL. Instead, her incompetence and rude behavior led to additional dissatisfaction, distrust, and aggravation. After both these incidents, seeing the reviews, and hearing feedback from acquaintances who bank with this institution, I am appalled by this bank's business practices, customer service, and ethics. It's unfortunate that they're able to operate this way.

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OneUnited Bank In May I closed my secured credit card with One United Bank

In May I closed my secured credit card with One United Bank. On the call the customer service rep stated that my security deposit of $250 will be refunded to the account used to open the secured credit card. I ask the customer service rep where the security deposit would be refunded. The customer service rep was unable to provide that information. So, I asked the rep what would happen if the security deposit is refunded to an account that is closed. The rep reported that OneUnited will either issue a paper check or contact me by phone to updated my account information. On July 15 OneUnited reports that the security deposit was refunded to the account ending in ***. This debit card is linked to my checking account with ***. This debit card is also not active, but regardless of that fact the refund would have still posted because the checking account linked to that non-active debit card is still open. From October 27 until present day, I have been going in circles between OneUnited and ***. *** and I scanned all banking statements and all debit cards transactions; and were not able to located any activity on the account from OneUnited in the amount of $250. On October 30 OneUnited sent an email receipt to my email address showing that a refund of $250 were issued to my debit card *** account ending in *** (as I mentioned is no longer active). On November 4, I asked OneUnited if they could cancel the refund of the security deposit so that it may be routed to my bank account instead since it still has not been received by my banking institution. OneUnited replied that they are unable to cancel the refund of the security deposit because it has already been processed. I exhaustingly reported that the $250 is no where in ***'s system, therefore, it did not process, unless it went to the wrong account. On November 4, I filed a claim with *** to request their due diligence in searching their system for the missing $250. As a result several customer service reps were unable to locate anything in there system. *** has stated over and over, that the refund of $250 should have posted since it was refunded to a debit card (even with this debit card being non-active) that was linked to bank account. I also provided *** with a copy of the receipt provided by OneUnited to assist with their research with the *** claim. On November 5, *** sent a notice via email reporting that nothing was discovered in their system as the customer service reps have reported over and over. I have requested that OneUnited provide me with documentation showing the full account number where the refund of the security deposit was transmitted to. OneUnited reported that they could not provide me with the full account number due to security purposes. I asked the customer service rep, how are we going to find my $250 refund if we are unable to discover if it was refunded to an incorrect account.

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OneUnited Bank On September 9, I purchased and mailed a money order to One United Bank to pay the full balance on my *** credit card

On September 9, I purchased and mailed a money order to One United Bank to pay the full balance on my *** credit card. The amount of the *** money order I mailed was an even $90. My credit card statement only shows the last four digits of my credit card number as my account number, so I only wrote the last four digits of my credit card on the face of the payment/money order. On October 4, I received an e-mail from ***, notifying me that my ONE UNITED BANK account on my *** credit report was updated to Past Due. The news came as a shock to me, because I had never paid the account late, and I had mailed in a payment for the full balance. I then called One United Bank to find out why this negative information had been mis-reported. I was informed by a representative that the company had not received my payment for the current or previous month. I explained that I had mailed a money order on September 9 to cover both months, but I was assured that the money order was not received by One United Bank. I then went online and immediately paid the balance in full, which was by that time $128.38, including a late payment fee and a convenience fee to *** Service. I thought I might later locate my money order receipt and have the money order traced. In the meantime, I wrote a letter to One United Bank explaining the situation, pointing out my stellar payment history, and asking them to please remove the negative item, which was incorrectly reported. I sent my letter by both e-mail and regular mail to OneUnited on *** in ***. My letter was met with an insulting e-mail response on October 24 that read: "We received your correspondence requesting a 'Goodwill' adjustment and removal of your reported account information from the three credit bureaus/reporting agencies. OneUnited Bank cannot honor your request to remove the 30 day delinquency reporting from your credit profile. No payments were received on your account for August 25 and September 25 due dates. There were no payments posted between July 16 and October 11. We have reported your payment history accurately and cannot treat you differently from any other customer. We cannot arbitrarily treat you differently through no fault of the bank. This is disparate treatment and would subject the bank to regulatory scrutiny. OneUnited Bank is committed to furnishing information to the consumer reporting agencies that is both accurate and complete. We appreciate your choice in allowing us to serve you. If you have any additional questions or concerns about the status of your *** account please contact customer service at ***. Sincerely, Customer Support ***" Although the e-mail response claims that no payments were received for August 25 and September 25 due dates, a letter I received on behalf of OneUnited Bank dated September 25 indicates the opposite. Because I had been out of town, I had not checked my post office box where I receive all my mail during the month of September. In early October, I went to retrieve my mail from the post office, and found a letter from *** in ***, ***, with the money order in question enclosed. The letter indicated that my "credit card payment received by our company is being returned due to the following reason(s): Account number not supplied. Please provide a valid 16-digit account number in order to process. Other: PROVIDE CURRENT STATEMENT W/16 DIGIT ACCOUNT NUMBER". So although the e-mail and the phone representative with whom I spoke earlier both asserted that my money order was never received by One United Bank, the letter and returned money order contradicted those assertions. I have the letter and I made a copy of the returned money order. I saw no reason to write my entire credit card number on the face of my payment, and furthermore, my billing statements from OneUnited Bank also only display the last four digits of my account number, which is the same as my credit card number. Both my name and address are written on the face of the payment, which was returned to me at my post office box mailing address. Evidently, OneUnited Bank knew to which customer of theirs the payment belonged, and to what account when they received the payment that they told me by phone and e-mail that they never received. The minimum amount due was only $5 (five dollars), but I mailed a money order for the full balance of $90, and OneUnited Bank rejected my payment for no valid reason, and reported a negative item (30 days late $5 delinquency) to the credit bureaus. The most unfortunate consequence of OneUnited Bank's actions is that when the negative item was reported, I was in the process of closing on my first home purchase, but the purchase was aborted due to a steep fall in my credit scores near the end of the purchasing process, causing me to be unable to proceed. The false reporting to credit bureaus by OneUnited Bank of a late payment (even though in reality they received my payment far in advance of the 30-day mark) caused my credit score to drop by 67 points, according to ***. And OneUnited is a bank that invariably touts itself as an institution using claims like, "promote financial literacy, supporting urban communities, 'We Know You, We Respect You, and We've Got Your Back!', "we offer the personal service and respect you deserve from a Community Bank'," and claiming to want to help its customers build personal wealth and repair credit. The exact opposite was shown to me by OneUnited Bank.

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About OneUnited Bank

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OneUnited Bank is a leading financial institution headquartered in Boston, Massachusetts. Established in 1982, the bank has since grown to become one of the largest Black-owned banks in the country, with assets exceeding $650 million. The institution is committed to promoting financial literacy and economic empowerment in underserved communities, primarily in urban areas.

OneUnited Bank offers a range of financial products and services tailored to meet the specific needs of its clients. These include personal and business banking, online banking, mobile banking, and investment services. The bank operates a network of branch locations in several major cities in the United States, including Los Angeles, Miami, and Boston, and it services customers throughout the country through its online and mobile banking platforms.

OneUnited Bank is deeply committed to advancing economic and social justice in the communities it serves. As part of its mission, the bank provides financial education programs to help individuals and families build wealth, save for the future, and achieve their financial goals. The institution partners with a range of organizations that support economic empowerment and racial equality, including the NAACP, Black Lives Matter, and the Minority Business Development Agency.

OneUnited Bank is also dedicated to promoting environmental sustainability and has implemented several initiatives to reduce its carbon footprint. The bank has installed energy-efficient lighting and HVAC systems in its offices, promotes paperless banking to reduce paper waste, and actively supports environmental conservation organizations in the communities it serves.

In summary, OneUnited Bank is a socially responsible financial institution that offers a range of innovative products and programs to promote financial literacy, economic empowerment, and environmental sustainability. With its commitment to financial inclusion and community development, the bank has become a leading voice in the fight for economic and social justice in America.

Overview of OneUnited Bank complaint handling

OneUnited Bank reviews first appeared on Complaints Board on Feb 16, 2023. The latest review Please release my money was posted on Nov 20, 2023. The latest complaint What is my position too this business was resolved on Mar 17, 2023. OneUnited Bank has an average consumer rating of 4 stars from 28 reviews. OneUnited Bank has resolved 10 complaints.
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  1. OneUnited Bank Contacts

  2. OneUnited Bank phone numbers
    +1 (877) 663-8648
    +1 (877) 663-8648
    Click up if you have successfully reached OneUnited Bank by calling +1 (877) 663-8648 phone number 2 2 users reported that they have successfully reached OneUnited Bank by calling +1 (877) 663-8648 phone number Click down if you have unsuccessfully reached OneUnited Bank by calling +1 (877) 663-8648 phone number 0 0 users reported that they have UNsuccessfully reached OneUnited Bank by calling +1 (877) 663-8648 phone number
  3. OneUnited Bank emails
  4. OneUnited Bank address
    100 Franklin St Ste 600, Boston, Massachusetts, 02110-1537, United States
  5. OneUnited Bank social media
  6. Janet
    Checked and verified by Janet This contact information is personally checked and verified by the ComplaintsBoard representative. Learn more
    Oct 29, 2024

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