OneUnited Bank

wwarning!!! warning!!! warning!!!
this bank has lied to me time and time again about their policies!!! they are offering a bogus secured card that reports to banks as they please. customer service is no help and they reported me 2x as late when i was never late once. spoke to rep and they promised back and forth they fix the issue and even stated they would send me a letter stating they would correct the problem. at this point i have asked to close the «comeback» visa card because instead of helping it lowered my scores!!! when asked to speak with a manager, they blow you off and hang up on you and ignore calls. this is the worst experience ever. i have had to hire an attorney at 600 an hour to have this issue fixed. i shouldnt even waste my time but if i can keep someone from going through the same experience then my good deed is done.
stay away!!!
urban bank for urban people, i think not.
warning!!! warning!!! warning!!!

Havent had any issues with anyone here. All of my needs were met. No line and super kind staff.

Bank manager reached out to me to discuss my experience. Already opened at another bank, happy, but kudos to Sherry B. for trying.

I appreciate one of the executives at One United reaching out to me to rectify the bad experience and ensure the staff and management had been advised and should provide better service next time around. *see previous review*

This is a horrible bank every time I try and use my card it declines and then I put my car In the shop and go to Hertz to rent a car not only to have my card declined and when I called customer service they said they have a block on Hertz so I can’t use my money how I want to smh so then I call in to ask if I’m going to have any problems at any other rental companies and they assured me that I wouldn’t went to five different rental companies and my card declines at all of them wow what a huge inconvenience and then they are so bootleg you can’t get a hold to them through customer service ²⁴⁄₇ unlike the other banks but that’s what you get when u support the African American businesses I would never suggest this bank to anyone
You will never be able to use your money when and how u want with this bank I think there should be an investigation into the things they are doing I wouldn’t be surprised if they were committing fraudulent crimes and using the bank to cover it up
This bank is the absolute worst I wouldn’t recommend this bank to the poorest person living they don’t deserve anyone’s business the president needs to be put in federal prison for running this scam they try to call a black owned business
Now I see why people are skeptical about doing business with these so called black owned businesses they aren’t shit they we fuck and jerk you around and you are always always always going to get the ass end of the stick

I want to love this bank. I want to give an outstanding review. I can’t. The banking fees are to high. Extremely high. The interest rates aren’t attractive for savings, and the wait time inside is to long. I’ve only witnessed a total of 2 tellers every time I visit. There are more employees, but they are always standing around talking to each other. Why not help if you see a line of customers? We have to work extra harder if we want to compete. The only reason I’m doing business here is because I want to support my own. It’s becoming more trouble than it’s worth.

I am sorry the Baldwin Hills mall branch had to close. I loved their music and the bank tellers were always friendly and personable. I now go to this branch a little further north on Crenshaw and so far I have gotten good service. I’ve been banking with One United for more than ten years. I would recommend it to others.

Damn it, I have to rant again about something which has nothing to do with foodstuffs or other cool things on this site. It’s about investing. (Yeah, ok, move on…)
In my opinion (and evidently others’), this has to be one of the WORST online financial institutions in existence. Their customer support is abyssmal, phone calls are *rarely* answered, and if you’re actually lucky enough to get a human on the other end, or even an email response, the canned information provided is worthless. (Granted, on the phone, the reps are nice when you actually do get to speak to a human – worthless, but nice.)
Ok, so from the top – several months ago, I applied for an account with these folks. It took weeks (if not months – I can’t remember) to process my online account application (which seemed odd to begin with, given that my creditworthiness should not be an issue if *I’m* giving *them* money). Ok, fine, whatever. But then SURPRISE, they approve you and just help themselves to your money – straight from your bank account – before you ever actually *authorize* the transaction. (Thank god I had enough funds at the time.) Then – oh yes, it gets better – they locked me out of my account (theirs, not my bank’s – though they probably would have tried if they could), so that I could never see if the money ever made it from my bank account to their online account. And this remains true to this day; as of right now I have *never* seen my account information, because the site won’t ever let me log in, no matter how many times I fill out their online «registration» page. So, because I can’t get in my account, they won’t return my money.
And of course the customer service folks have no answers for me. Most of the time they don’t even respond when I email them trying to ask to just close my account. (If I’m lucky, I’ll get a canned response emailed to me a week later). I genuinely have to question the legitimacy of this organization; I think I could probably run a tighter operation out of my own bedroom.
Lest you think I am overstating my disgust and antipathy here, do some research yourself – type in «one united bank reviews» into Google (or any other search engine). Take a look at all the other poor bastards who got f – ed over just like me. In fact, I’ll save you the trouble – here are some reviews on emoneycentral:
Could this be a Ponzi scheme designed to con and exploit people who genuinely want to support a minority-​run business? Frankly, I’m inclined to write a letter to the DOJ – maybe someone ought to run an investigation. I for one would still like to know what the hell ever happened to my money.
***APRIL UPDATE!!!***
Well whaddya know, after only eight e-​mail requests which stretched over the course of the past two months, I am now able to login to my account. I now see my money, but there’s a catch – I still can’t touch it. Oh, no. I have to «re-​register» to transfer funds out of the account. This means providing all my credentials all over again to get «verified» once more, from scratch. This process took about a week or so last time, so I’m kinda psyched. I might actually get my money back by the end of this month! (Amazing.) Maybe they suspect that my bank account – the same god-​damned one they took my money from in the first place – somehow magically changed into something else. Or maybe they’re just a bunch of a-​holes trying to hang onto my money as long as possible. Either way, there’s light at the end of the sh*thole for me! :D