Oxygen.com
Reviews and Complaints

Over the past three months, I've been noticing some money going missing from my account without any transactions to explain where it went. Last month, I reached out to them regarding some pending transactions that shouldn't have been on my account, but they seemed to vanish without the money being returned. On November 12, I had a deposit of $850 in my account, but as of today, only $786.82 can be accounted for. Once again, there's a significant amount of money missing from my account.

I've been trying to reach out to this bank many times in the last month, but I haven't received any help. When I tried to upgrade my bank account for $20, my account got frozen. I can't access it, so I don't know how much money I have, and customer service hasn't provided any solution. I've emailed them six times and called them too. I want a full refund of the money in my account, and I also want $50 for the time and effort I've wasted. It's really frustrating. This bank is supposed to be a bank, but they don't act like one at all.

I got an account with *** and I've been asking them many times to close it. They never pick up the phone and they haven't replied to my emails for like 20 days now. My account has no money in it and I don't wanna bank with them anymore. It worries me that they haven't responded and I don't want this important issue to be left hanging. Their website says their mailing address is ***. It also says their email contact is ***.

Your name: ***
Merchant name: *** S
Transaction date: June 12th and June 29th
Transaction amount: $448.21 and $***.00
Reason for the dispute: Unauthorized transactions that I didn't approve and wasn't me. As well as of it being Identity theft for the hacking of my bank account. *** on both charges as soon as they were noticed. The 448 was reported on the 13th and the *** addition I had put a security question after the first transactions on the 13th that i was never informed about being an option prior. On the second transactions the security question was missing. I have also made a police report for both transactions and reported both transactions to FTC as being unauthorized. In addition I have mailed and official letter to the corporate office in ***. Also sent it to CFPB.

Company name: Oxygen Bank
Account number: [protected]
Merchant: ***, OKUS
ATM withdrawal on Saturday, September 4th at 6:24 pm
Amount: $202.50

I'm writing to dispute a charge on my account. I was charged twice for the same transaction, and I only noticed it tonight. I would really appreciate your help in resolving this issue. I need the money back in my account as soon as possible. Thank you.

I emailed Oxygen Bank about this on September 14th, but my account hasn't been credited yet. According to regulation E, all banks and financial institutions are required to provide a provisional credit within 10 days of filing a dispute. I've called them multiple times, but they haven't been helpful. They refuse to connect me to the dispute department and their behavior is unprofessional. I haven't received any emails from them, and when I try to call, they act inappropriately. It's frustrating that I've made several attempts to contact them, but they haven't been responsive.

On Sept. 9, I received a mysterious envelope from Oxygen.com. Inside, there was absolutely no paperwork or information. I tried calling the phone number on the card, but they were closed for the weekend. On Monday morning, Sept. 12, at 10 AM, I called and spoke with a representative named "M" (that's how she spelled it). She told me I might be a victim of identity fraud and advised me to contact the credit companies, which I had already done. I asked her to cancel the account and inquired about when the credit card was initiated. She mentioned it was requested online on Aug 28, but had no further details. I also asked if *** sends out cards without being asked, but she couldn't or wouldn't answer. I requested to speak with a supervisor. She put me on hold for a long time, then returned and said the supervisor would call me back. After ending my call with Oxygen, I consulted my financial advisor who suggested getting a written statement from Oxygen confirming the account closure. On Sept. 12, 2022, I sent both an email and a letter to Oxygen, requesting confirmation of the account closure. Today is Sept. 23, 2022, and I still haven't received a call back from a supervisor regarding the unsolicited card issue. Additionally, I haven't received a written response to my email or letter confirming the account closure.

On March 5th, I tried to rent a car from *** because I didn't have a valid credit card, only a debit card. Unfortunately, I couldn't use their service, but they still charged me $442.64. I reached out to the car company, but they hung up on me. So, I contacted oxygen banking *** since I use their card for my checking account. They also called the company, but they too got hung up on. They assured me that they would provide a temporary credit and investigate the charges. On March 9th, *** charged me $337, and on March 13th, they charged me another $250. These charges were made even though I couldn't use the car service because I didn't have a valid major credit card, only a checking account or debit card. Oxygen told me they would issue a temporary credit and refund the money once the investigation was complete. The investigation lasted for more than 10 days, maybe 15 at most. However, they informed me that they wouldn't provide the temporary credit or refund my money. I've called *** multiple times, but they keep hanging up on me, playing games on the phone, blocking my number, and ignoring my calls. When I did manage to speak to them, they said there was nothing more they could do and told me to stop contacting them. I'm extremely angry and want a full refund for a service I never received. Thank you in advance. I've also sent them emails, but they haven't responded.

On Monday morning, October 25th, around 10:20, my Oxygen banking account got suspended or frozen. I can't access my funds. At 10:20 am, I got an email asking me to call customer service to reinstate my account by verifying my identity and recent transactions. I called customer service at 11:10 am on 10/25. My first call didn't go well because the customer service agent was rude and kept interrupting me while I was explaining my issue. She said she couldn't verify my identity or transactions and would escalate my issue. After that call, at 11:57 am on 10/25, I called customer service again and spoke to a different agent about the same issue. Both agents asked me personal questions about my account and assured me they would make notes when escalating my issue. They both said I would be contacted by Oxygen's trust and safety team within *** hours regarding my account. It's now 2:10 pm on 10/27, and I still haven't been contacted about my account. Today, on 10/27, I contacted customer service again about the same issue. The agent asked me personal questions again and then told me they couldn't escalate my issue again because they haven't heard back from them about the first escalation. I asked to speak to a supervisor. The supervisor asked me the same personal questions about my account that I've already answered each time I called customer service. The supervisor said they would note it in my account when escalating the issue. I told the supervisor that what he told me was the same thing the previous customer service agents told me about escalating the issue. The supervisor assured me that I would be contacted within *** hours from today, 10/27. I told him I was already told this on 10/25, and I still haven't been contacted. I think they are giving me false information.