OneUnited BankReviews of oneunited.com

On March 5, 2024, I called to file a dispute about my money ($1380) got caught in the ATM. I called back a few days later to check on the dispute and I was told someone open a 2nd dispute with the same information from March 5. So they would have to move forward with the 2nd dispute that was open on March 11th instead of on March 5. I was okay with that until March 24 when I found out that they can not move forward with the 2nd dispute that was filed on March 11th because they only can work the original (March 5th). So now, my account was charged an over drafted fee and is over drawn $1376.60. And I'm okay with all of this because I understand things happen. But I'm not okay with being told they have not open the original dispute because the situation is above the heads of workers that take phone calls for the bank. And I'm not okay with my bank account risking being closed and placed on my credit report. All I'm asking is for the bank to work the dispute so they can get the $1380 from the ATM. It's been over 2 months and still nothing. I was also told they have 90 days to fix the situation, but my account will close and be place on my credit when account is over drawn after 30 days. Please Help Me!!!! No One From the customer service can helping me. Not even the managers from the customer service number. I live in South Carolina so I cannot just go inside a branch.

I will never bank with One United ever again... As a student, I decided to start banking all the way black, so I decided to deposit my paycheck in my One United account instead of my Truist account so I could put my money where my mouth is, I deposited my school check on the 19th, I got a text 5 min later saying it would take 5 business days to receive, which meant I should have received it this Friday. They are keeping my funds until the 30th, almost two weeks. As a student who pays rent weekly, I am now about to be evicted and am now stuck with late fees totaling over 120$. I have no gas to get to class this week and will be reduced to eating at the homeless shelter next week when I have 1000$ that should have been cleared as of tomorrow, this is not right. I am being punished for banking black from the black bank itself, does that make sense? Why should any of us bank black when the black bank keeps our money longer than the others, they don't even give a 100$ credit when you deposit 1000 or more like Truist. I see how people end up selling themselves in order to survive when they are away from their families, these policies should be considered criminal. Here I am earning an honest wage as a student, and because I decided to bank black i am now almost homeless, hungry, and almost hopeless because I don't know what to do to get my money released within the 5 business days that they told me when I deposited it. Why wasn't I told the hold would be that many days beforehand, it went from 5 business days to 11 days. I have never heard of a bank taking that long to clear a good check. I now feel that they owe me all of the late fees that I have and will have accrued. I am scared and don't know what to do, someone please help. I will be closing this account on the 30th because I will be homeless if i keep my money at One United...

None of the suggestions in the One United offered worked. I’ve talked with3 different representatives. It’s common knowledge that you cannot transfer to another institution, from that institution, only from the institution where the funds are. I was more than willing to let this end, however not on false statements.

I don’t like the fact that paying my credit card bill is inconvenient. As a customer I wasn’t informed that the online (Speedpay) was no longer in existence. My only option is Western Union or check by mail. Neither option is ideal. Bank of America doesn’t have OneUnited (credit card) listed as a Billpay option, but rather “loan”. Totally disappointed to know the largest black-owned bank is limited in its convenience for making a credit card payment. I don’t believe I’ll be using the card next year.

Worst bank ever! I STAND BY REVIEW! This is for those who didn't hear me in the back! Worst bank ever! 🙄

I received a late fee on my account. It surprised me because I don’t use the card as much as I would to use it ( it’s a pain to pay one’s bill). Because I had misplaced my card, I was not able to access my account. I just wanted to speak to a live person to ascertain how to rectify this concern over an unknown late fee. To my further dismay, I was not able to access the very complicated way to pay my bill through Western Union. Again, I just wanted to speak to a live person and I was denied. What a colossal mess! This experience has left me to feel unvalued and unimportant because no one thought that I would need to speak to a live person for what I deemed a simple customer assistance issue. If this is the way you value customers, many customers will just walk away and bank elsewhere. Annoyed but hopeful, Anthony

My husband complains every month about this bank regarding a secured card he opted for to build his credit so we can purchase a home. Long story short, they only allow you to make 1 payment per month. In turn, if you need to pay your balance off for a rescore with the credit bureaus to show your score increased to get preapproval for a mortgage - this company will not be in your favor to assist you in doing so. One thing I am is an advocate for what's right. I legitimately researched the company's CEO, COO, and whoever else is at the top of the food chain. They're all on LinkedIn! You can even access their email addresses through Google. My husband reached out asking them to please allow him to pay off his balance. Do you know this so-called "black bank" sent an email stating they only allow 1 payment - even after pleading that we are trying to purchase a home? Stay far away from this bank. Go to Capital One, Credit Unions, and other reputable banks that will help whether you are black or not! I am just disgusted by their ability to even have a mission statement that does the opposite of what they are actively doing to customers. You all should be ashamed of yourselves!

Update: The company response reinforces why there needs to be oversight and accountability. I cancelled my card on 1/1/24 and as of 3/6/24 I have not received a refund. The rep I spoke to on 3/1/24 couldn't even verify the address or date of mailing. All comments I made are my experience. The company points fingers, deflects instead of works towards resolving issues. Do not get a credit card from this bank. You can only pay once per month, and the maximum payment allowed is $600. They don't report to the credit bureaus, which means there is no building credit. They removed the Speedway online payment link, which forced me to pay by phone. Now, they are not refunding my deposit after I closed the account, even though it has been over 30 days. I recommend that everyone file a complaint with the BBB and FDIC so that this bank can be held accountable at some point.