OneUnited BankReviews of oneunited.com

I have an issue with my credit card and am unable to speak to anyone at this company to resolve the issue. I have called numerous times, and have only been able to speak with someone who will only help me if my card was lost or stolen. Also, the person I spoke with had such a strong foreign accent that I had problems understanding her and I had to keep asking her to repeat herself, which made her angry and copped an attitude. My issue is that for some reason my credit card account was closed, and who knows why since I have not been late on any payments. But even with it "closed" this company keeps sending me past due letters. Either it is closed or not?????? This situation has been a tremendously frustrating experience and the issue still remains unresolved since I can't get anyone to tell me what's going on and help resolve the issue. I wouldn't recommend this company to even my worst enemy. The latest is that because of my negative review on Trustpilot they claim they will contact me. I’m certain this will never happen. If it ever does I will update my post. As expected no word from OneUnited. I am now getting amessage from Trustpilot that I need to something to keep my review from being deleted. They are asking for a reference number and I have absolutely no idea what that is.

Update: Since mobile deposit on the 9th, they have reversed the fee for the incoming $1.82 from a closed bank. But still no access to my paycheck which the job reported was cashed days ago. Meanwhile my family and I are without food and believe it or not we're eating rice from my begging for money on the street. Sad, I liked the bank until they claimed to be a good bank and yet holding my funds to whenever they decide I can have it. Pray for my family I'm so scared they are going to hold my direct deposit in two days as well and we will be evicted after that. Also I had to miss days no money for gas and bills have been accessed late fees because the bank holding the funds. What started out as a bank that I bragged about having and being a minority bank and operated as such now become horrible immediately after giving the bank raving reviews and telling everyone to get an account there. My issue is that I mobile deposited a check into my account and was told it would clear in four days, then messages came that it would clear in 9 days then another final message came that it would clear in 23 days. It was my paycheck drawn on a Chase account and when I called customer service, they were rude even as I was polite and explained that it was a new account and there is nothing that could be done. I begged and pleaded that it was my paycheck and I have a family that depends on me as such I was not able to buy food, pay rent, or car note as such I am out begging for food while you guys make a profit off the funds you’re holding. I then received a wire transfer of $1.82 from a bank that I used for years and was closing in 6 days what did the bank that is supposed to have my back do, they charged me $20.00 for receiving the $1.82 so the bank has put me in dire straits and my family all because I chose them to bank with and I called customer service to see if they could waive the $20.00 fee and she rudely stated, "no not going to happen we don’t do that here in a rude tone then stated have a great day". What planet is this I am struggling, and they are doing everything possible to ensure that I am without a car, a place, and a job and can't provide for my family because the bank is taking everything from me and holding over $800.00 from pay drawn on a national bank? Now the landlord is stating I will get a notice for past due rent they are strict even if you are late two days but, in this case, a whole month because my bank won't release and say it's nothing they can. I am begging people for food for the family as I don't care about me but there is money just not mine until the bank says I can have MY money whenever that will be.

The service was good

I have had the best experience with One United and their amazing employees. Always helpful, understanding and courteous. I wouldn't want to bank anywhere else.

Best bank experience ever

Tellers are well trained

Horrible bank! Do not be fooled by their slogan of "The Largest Black-Owned bank in America". This bank treats their customers worse than white-owned banks. It is a shame that a bank owned by black people choses to treat their customers the way police officers treat blacks in America; like criminals. If you're desperate, go for it. But if you have other options, stay away. This bank is absolute garbage. A simple check takes 4 days to cash and be available in an account. I know banks that take seconds to cash a check. They lie to you about having 2-day early direct deposit. They show the money in the account however, you cannot access it until your normal pay day. What is the purpose of advertising that if you are going to release the money the day we are supposed to get paid? Stick with cash app. It's way better. In addition to this, the company has ZERO respect or sense of urgency for the customers. I was lied to yet again! They said they would void a check that I attempted to cash. I canceled the check cashing because I was told that it will take up to 9 days just to clear it! Ingo cashes checks instantly. Long story short, the company still has my check on hold and it seems like they are okay with stealing from people. Funny a black owned company like this is embarrassing itself by fitting the stereotype exactly; financially inept, late, and willing to steal from good hardworking people. Shame. It doesn’t matter what race you are. Just treat customers finances with respect. This company is unable to do so.

My experience was very engaging. She appeared to make every attempt to make sure that I understood every aspect of the information that I was seeking. Very professional, courteous, and all-around great experience.