OxygenReviews of oxygen.us

Would give 0 stars if I could. Closed my account out of no where due to violating their deposit terms and conditions…. I’ve only used the card a handful of times… but all my deposits were made with cash at CVS. As a server, that’s the only way I was ever able to deposit into the account. I use SoFi for all my banking needs, so oxygen closing my account isn’t a big loss or anything. However, I find it extremely unethical to close an account with no warning or information.

I received 2 hotel charges on a holiday due to the hotel having problems with their system. I disputed one of the charges. It has been more than 40+ days and my dispute has still not been resolved despite the hotel providing me with proof they accepted the claim that I was charged 2 times and should be refunded. Oxygen Bank refuses to finalize my claim and continue to send a blanket email response that they are still investigating. It doesn’t take a bank 49+ days to investigate.

On 06/04/2022 I made a purchase on a herbal site for 35.74. I contacted your dispute team by email a week after that because I never received my order(paid for priority shipping) . I never heard back from the dispute team after they sent an email confirming they had received my email. Another week went by and the herbal site issued a refund on their end . It’s been another week had went by, still haven't received it. I filed a dispute on 06/10/2022 for a transaction of $35.74, because I never received my order. On the 14th the merchant emailed me proving they have canceled my order and issued a refund. It's been over 3-5 business days and I still haven't received my refund nor and updates ! I want to know where my money is !

Oxygen bank is a scam . Got money from ppp paid into my account . They had to close the account without sending off the money . Now after a year , they want us to settle it at the court .so ridiculous. I want my money $20,530

I have faced financial difficulty recently and, myself, along with my three children, are set to be evicted from our home. To help, my family managed to raise the money needed to deposit into the court to prevent our homelessness. However, somehow the money was (accidentally) sent to an account I have with oxygen bank. After that, my phone was stolen by a previous roommate of mine and my account was drained via Cash App transfers. After realizing what happened, I contacted Oxygen to dispute the transactions and the police to file a report, with my (now ex) roommate as the suspect. I am certain it was her, as some of the money transfers were to a supplier for her business that I have encountered when partnering with her for a short period. I understand there is a process for disputes and credit. However, my family simply does not have 10 business days to wait. I just fear, after reading multiple reviews on different websites, that my money is gone forever and losing our home is inevitable. I am writing in hopes of helping me to have this matter expedited, as it is clear that this bank really does not care about it’s members. When you call, the representatives are unprofessional and their attention lies with whatever is causing all of the background noise, even the supervisors. I am aware that there are others who have filed claims and disputes but there should be an option to expedite whenever there is a serious matter as this. My family’s life is literally on the line and I feel helpless. EDIT: I was notified that a warrant has been issued for my ex roommate for stealing my phone and fraudulent use of my debit card. However, apparently that is not enough for Oxygen.

Worst customer service ever!!! They give you the runaround to cancel an account even. They claim that there is no account associated with your email but they never asked for an email. They tell you to call the customer service number but all it does is ask to confirm your card number then hangs up. Terrible, terrible, terrible. These guys are scam artists at best.

Worst bank and customer service all I cn say is hire a lawyer I did with the advice from the IRS take them to court they made funds available when my sister's return went to my account then froze it the next day said I needed a letter of intent from the IRS IRS said they r not the one who froze the account and that the bank deposited the funds and made the cash available so there was nothing they cld do now my sister is on the streets with her 2 sons and I cnt give her her money nor can I use mine this is the worst bank and dnt get me started on customer service

With my first bad review ever, it brings me great sadness to write it about my favorite banking app I've ever used. I remember signing up a few years back and looking at the app and falling in love, I really love the digital side of things and Oxygen was catering to everything I loved. They offered incredible features like unlimited digital and merchant cards, 2-6% cash back at some of the most popular places to eat and shop, and overall so many unique and amazing features that I simply fell in love with. I've used this app for over 3 years now and used their banking app exactly how they advertise... I have over 20 merchant cards, I use the one time cards on a lot of the online shops, and I utilize the cash back every chance I can get. But these perks Oxygen offers are all a coverup for the massive issue of this banking app, they DON'T control your money. The Bancorp Bank has control of your money. Why is this an issue? Because Oxygen is telling their customers they get "unlimited deposits to their account, unlimited digital cards, and 5-6% cash back, and so many other perks" but when it all comes down to it your account is going to get closed just like mine just did. I never thought I would be sad to not be using a banking app anymore, but I fell in love with how it worked and I thought this was the future of banking, my friends told me it was too good to be true and there's no way any bank can keep this up, and after even spending $199.99 to upgrade to their fire card (which they make you spend a ton of money on their card, and deposit over $6,000 per month), well, when you actually do these things... they PUNISH you for it. Soo the perks they offer are simply a cover-up. I trusted my bank with about 70% of my deposits, I mean they were amazing and I never once questioned they would ever do anything like they do today where they closed my account permanently, offered no explanation, and gave me no details of when I would receive the funds that were in my account. My app no longer works, and they are digital so obviously I can't go into the bank to get the rest of my funds. It brings me great sadness to say this bank is simply a fraud, I saw reviews and said "Oh they probably just had bad luck this bank is incredible" and sure enough, here I am, writing that same review, and I'm someone who deposited over $6,000 a month consistently, used the bank EXACTLY how they advertise it and encourage you to use it, but ultimately Oxygen has NO say, the final decision comes down to The Bancorp Bank. I thought this one was too good to be true, but after be able to use it for a few years I started to trust them with my deposits more and my payroll payments, I mean they literally offer these high end "Fire" perks that you have to spend an insane amount of money for, but in reality you will be punished and your account closed just like mine. Please save your heartache, as beautiful and amazing as this app is, it's truly a scam... you will get burned, it's just a matter of time. With great sadness, A former Oxygen banker