Oxygen
Reviews and Complaints

I contacted Oxygen Bank on January 13th to inform them that I needed to send in a written statement within 10 business days regarding a dispute over a $240 ATM withdrawal error on January 11th. I submitted the statement on time. After two months with no update, I emailed them on March 1st and was told the dispute was never filed but is now being processed. They requested the statement again, which I resent. Despite following up, I only received automated responses stating the investigation could take up to 90 days. On March 11th, I spoke with a supervisor who was unhelpful and rude, even hanging up on me after I tried to provide evidence of my previous contact. All I'm seeking is a provisional credit during the investigation.

I used a referral link to sign up. Both the person who made the referral and I had to hit up support several times to get the original referral bonus. They lied to us several times about it before they finally automatically credited us the referral bonus When I received a direct deposit that qualified the referrer and me for $100 each, this did not come through. We contacted support several times and they lied so many times to make us think we didnt qualify, and then lied several times about when it would come through. Every time we called their phone support, they would put us on hold to look into it, but then leave us on hold, sometimes for hours, until their office closed. Eventually we did get the money, only once they realized we were not going to stop bothering them about it, and realized we had ample evidence of our qualification and their lies. I found out through another app that Oxygen had opened a secret sub account. They denied this and said it was my savings account number, but would not provide any proof of this. I could not find my savings account number anywhere they told me to look. Shortly after I talked to support about this, they closed my account. So I can no longer see any of my transaction history and make sure they didnt steal anything from me. I noticed it the very next day, though it was probably right after that support chat. The next day after the chat, they sent me an email saying my account was closed AS I REQUESTED. I never requested this. The app that I found this out from was going to give me $250 as a cash advance (plus a $20 bonus), so I lost out on that because the Oxygen account was the only one that qualified for the cash advance I desperately needed. THIS IS A FRAUDULENT BANKING COMPANY THAT LIES AND LIES AND LIES UNTIL PEOPLE JUST GIVE UP. DO NOT BANK WITH OXYGEN.

I received an unsolicited debit card from Oxygen.us for an account I did not open. I emailed the company requesting that they close my account since this was clearly a fraudulent account. I had previously filed a police report regarding cards like these from other companies and submitted a fraud alert on my credit file. Oxygen ignored the fraud alert on my credit file and opened up an account nonetheless to these scammers under my name. I have repeatedly requested Oxygen to close this account and have numerously provided them with the debit card number and the name as it appears on the card. The continually request that I call customer service but when I do, the automated system asks to confirm the card number and last four of mystical. When I do that the call is disconnected. Consequently, leading me to email the company again, and again providing the unsolicited debit card number and my full name as it appears on the card. Then, Oxygen proceeds to request the debit card number via email and full name as it appears on the card. This seems to me as unethical business practices to try to deter customers from closing accounts. The issue is that this account was unsolicited and Oxygen refuses to close it without giving me the runaround for over a week. Why do they make it so difficult to protect victims of scammers? You need a better policy to remedy this kind of issue, or better yet, you need better protective measures to prevent this from happening in the first place. All I want is a prompt remedy to this issue and cancel any accounts associated with my name, especially the debit card number that was unsolicitedly mailed to my home address. And do yourself a favor, and improve your customer service skills. I have emailed once again with all the appropriate information to handle this VERY IMPORTANT MATTER!

I am sorry but I do not agree with the outcome of Oxygen Banks investigation for the events that happened on my account around November 10 and ending on November 12,2021 whenever the issues where discovered. I do not see how out of 9 transactions submitted that only 1 came back with errors when that one transaction happened on the same day with same vendor for the same person. Now when I use my oxygen card at the merchant cash app my transactions come back as CASH APP*** because that is my name. Now the transactions that happened on my account are under the name CASH APP*JORDAAN GE. You can clearly look and see that my name isnt Jordaan GE so that should raise a red flag right there that my account was compromised. Secondly my debit card that I had was my Oxygen Water debit card that ended in *** which stopped working on November 10. Now my Oxygen Fire debit card arrived in the mail on November 12 which ended in *** already ACTIVATED and ready to use. Shocker because I didnt know that the cards came already activated in the mail? So when I went to activate it that is when I noticed all the charges for CASH APP*JORDAAN GE*** in the total of $1,228.00. The transactions where in a span of November 10th-11th 2021. Here are the 9 transations:1. Cash AppJordaan Ge: $ 30.00,2. Cash AppJordaan Ge: $ 200.00,3. Cash AppJordaan Ge: $ 300.00,4. Cash AppJordaan Ge: $ 20.00,5. Cash AppJordaan Ge: $ 200.00,6. Cash AppJordaan Ge: $ 25.00,7. Cash AppJordaan Ge: $ 3.00***,8. Cash AppJordaan Ge: $ 40.00,9. Cash AppJordaan Ge: $ 410.00,Now last thing the transaction number 7 in the amount of $3.00 how did yall find an error with that transaction but not with the other transactions? Even tho they are the same merchant, same person, and same date, and same card was used.

I received a wire transfer to my account in the amount of $12,000 after the sale of a home that I lived in for about 10 years. The transfer was successful without any problems. However, Oxygen suspended my account falsely claiming that the transfer was sent to my account for someone else's benefit. I have confirmed with the sending Bank that I was the named beneficiary in the wire transfer. The letter that Oxygen sent was demanding that I send a copy of the wire transfer form for review. The *** from which the wire originated has sent the transfer form to oxygen several times to two different email addresses: *** and [protected]@oxygen.us. This was sent from an official Valley *** email address, but Oxygen is claiming that they did not receive the transfer form, although there is a record of it being sent from the Bank. My account should have never been suspended because the premise which they used suspend it is a false narrative as I am the named beneficiary of the wire transfer and on the account to which it was sent. They also suspended the amount that was there prior to the wire transfer, which had nothing to do with the transaction and should have been made available. Also, customer support continues to give me the run around, making it difficult to resolve the issue. I have alerted these people and have told them that the matter is making things very difficult for me because they are denying me access to my account as a whole. This may constitute interstate wire fraud and perhaps the appropriate federal officials should look into the practices of this bank. Again, my account was suspended upon a false premise and the company is creating difficulty in the resolution of the matter. This company is causing me undue distress and I have been a loyal customer for quite some time now with them.

As previously explained in my prior complaint *** - this company is atrocious at disputes and protecting their customers. I have banked here personally since 2020. I have held balances of over 10k$ both in my person and business banking. However - Once I filed a Complaintsboard.com and FDIC complaint about my last dispute being just utterly fraudulent the level of service I received was abhorrent. Fast forward to now - I had 3 fraudulant transactions process through my business debit card. I tried to work it through with the merchant and to their recommendation I filed a complaint with my bank. Providing prove the merchant acknowledged I did not hold an account with them and that they would accept the dispute in order to refund me. As soon as the dispute was filed for a total of 1800$, even though it is supported by an obscene amount of proof I didn't do it. Suddenly I am a business risk, my accounts are suddenly closed and I am notified all future deposits will be returned. That means this dispute. For the last year my account have been primarily used to accept funding for the business that had been applied for during covid and my personal account was used to have food delivery. I was in a nervous breakdown most of 2021. If it wasn't a hotel charge or food, it was a rarity. So how can I suddenly be a business risk the very next day after I file a dispute, if I didn't actively use the account in a negative way. If I held balances of over $10k, and if I have a well documented claim for return of funds. That took a week to even dispute because they swore up and down it didn't even go through, because they focused on my personal account despite me adamantly stating it was my business account. Further more, the 234$ I have so adamantly tried to recover from my savings account has without a transaction disappeared to support whatever claim that it wasn't there..but the math doesn't add.

On April 9, 2022 A dispute I filed for the amount of $120. It was a peer to peer transfer that went to the wrong person of whom u have never met and their name didn't even show up in my contacts as their name it appeared as the name of the person of which I was trying to send the money to. When I finally made contact with this unknown person like oxygen support subjected me to. I discovered this person doesn't use this bank nor do they know how to access the account to return the money. Oxygen then told me that I would have to file a dispute and it could take up to 90 days. When I informed them that I didn't have 90 days to wait I was informed by the employee that they would issue a previsionalb credit for my funds during the dispute which would allow me to access my funds right away. This has been going on for a week now. U have yet to receive the credit or any information in regards to my dispute. No one can seem to answer any of my questions and every time I call I am told something different about the policy every time. Yet not even one time has any employee gotten the policy in regards to disputes and the credit anywhere close to what policy states when I read the policy. They are all very rude and when you request to speak to a supervisor they are all quick to tell you that their supervisor isn't going to be able to help me either. I have even been hung up on by one employee when I asked them if they could email me a copy of the policy and procedures they a refurring to because it didn't match what I was reading and I need to make sure what I had was correct. This it ridiculous just cancel the darn transfer and apply my money back to my account. It's that simple. No other online platform seems to have this much trouble in solving these types of issues. And trust me once I get this resolved I will never use this account again nor will I ever recommend it to anyone I know

I was out to dinner one night. At some point in the night my phone had gone missing. Our waitress helped us look for it but we had no luck. About 1.5 hours later the door guy brought my phone up saying a couple had turned it in. When I went to buy dinner - my card came back declined. Luckily my girlfriend is always prepared. I immediately log into my bank app and see $220 was sent through cashapp. I had clearly been watched and had my phone grabbed at a time I had it unlocked. Possibly in the ladies room Im not sure. She/he/they sent them selves clearly a test transaction the police stated that is done to ensure the card is working. After that they try for bitter amounts until one goes through. They transferred everything I had minus 6$. And then turned it in as if they found it. I disputed it with cash app but they never refund. So the police told me to dispute it with the bank. So I did on 1/23/2022 after cashapp officially declined me. On 1/26/22 I got the email to file the dispute officially. On 1/30/22 i got a follow that they couldnt find transactions or the amounts. To which I immediately sent screen shots and they found it then. On 3/31 i got the determination email restating they had found the first trans for $20 was fraud but the second trans for $200 was not. How can a transaction that happens first fraud but the one less than an hour later is not. To the same person same burner account and during the time frame reported I didnt have the phone. This bank will do anything to not give you access to your money. In the last 120 days Ive been locked out of their app (the only way you can access their accounts) - had $240 held/frozen in my savings that they repeatedly tell me I dont have despite me showing I I can see it and can move between savings accounts - and now can some how claim only the first transaction of a clear digital crime was fraud but the follow through was not.

On October 1st I had filed a dispute to my oxygen bank account. My phone and wallet were stolen and I had unauthorized charges totaling to $3,088. On October 17th 2022 oxygen sent me an email with a resolution for my case. The email stated that error had occurred. It specifically states "Hi ***,This notice is to inform you that we have made a final determination regarding the claim(s) reported on October 1, 2022 in the total amount of $3,088.59.Based on our investigation, we have concluded an error occurred."Then shortly after I receive another email stating "Hi ***,This notice is to inform you that we have made a final determination regarding the claim(s) reported on October 1, 2022 in the total amount of $3,078.60.Based on our investigation, we have concluded no error occurred; therefore, no funds will be credited to your account."Confused I immediately tried calling them but as soon as I was connected to the fraud department the call was dropped. The next day October 18th 2022 I receive two more emails the first one states "Hi ***,We sent you a dispute notification dated October 17, *** that email: Based on our investigation, we have concluded an error occurred. The merchant has issued a credit in the amount of $9.99 on October 1, 2022. This credit is considered permanent and any applicable fee(s) have been reversed.Please see the updated language with necessary corrections for your dispute below." The second email states "Hi ***,We sent you a dispute notification dated October 17, *** that email: This notice is to inform you that we have made a final determination regarding the claim(s) reported on October 1, 2022 in the total amount of $3,078.60.Please see the updated language with necessary corrections for your dispute below.".

I signed up for Oxygen in Feb. I was approved and have been banking with them since. For the first few months, I really had no issues with them.Oxygen offers a refer-a-friend program and provides a unique link in the app. In May, I emailed my referral link to myself so it would be handy to send to friends as needed (I'm on my laptop/desktop much more than on my phone). I earned a handful of referral bonuses, and one of my signups also earned us the direct deposit bonus. Each time I'd refer a friend, I'd grab the referral link from my email - that I sent myself in May - and would send it to the interested party. In June, I couldn't log into Oxygen, getting an "account closed" message. There was no other communication about why my account was closed. I called customer service and had to follow up a few times before they reactivated my account a week later, telling me it was done in error and offering their apologies.This week, I referred a friend - *** email *** She signed up properly but didn't get her signup bonus. I called Oxygen on 7/18 who verified that *** tracked properly, and we'd both be getting our $5 bonuses, but it can take up to 10 business days. *** reached out to Oxygen this morning (7/21) and Oxygen told her my referral link was expired. Apparently, a link is only good for 30 days, and every 30 days, we must grab our new link from the app. NOWHERE is this stated in the app or anywhere else, and the link appears valid when using it. So I called Oxygen. They apologized, escalated the ticket so we could get our bonuses. Said it would take *** hours to hear back.A few hours later, I received an email saying my account was closed. I called to dispute and sent an email reply. I'm accused of violating deposit terms. I violated nothing. Worse, I have $125 in referral bonuses in my account that they're holding hostage.I've read their response to other complaints and this looks to be their M.O.

I would like to start off by saying that I have had no reason to ever complain about Oxygen and I've been faithfully with them 2 yrs but I was hospitalized recently for quite some time undergoing open heart surgery and had multiple multiple transactions fraudulently charged to my account. I made oxygen aware of this situation and all the details about my hospitalization about maybe a week before I was released. Well when I got out of hospital I had called to go over the dispute with them. And found out that they had determined to close my case and find no wrongful charges. I was pretty upset seeing this is about $950ish dollars all together. And on to top it off I had even had filed a police report but somehow all the evidence of this no way being me they found no issues with the charges. Oh except for 3 of the charges were FOUND WRONG AND IN MY FAVOR. but get this 2 were from the same company of many many multiple other transactions included in my dispute. SO how in the heck could you find 2 of the same company charges in my favor and wrong but all the exact same type of transactions from the same company not in my favor? I guess I somehow made 2 out of the what 10 transactions being disputed. Makes no sense. But anyways so I was furious as this was not me so I appealed their decision and here we still are now In November and not a word from the. Since appealing their decision. Oh wait I received one email since then from all the multiple times of contacting them asking what's going on. I'm sorry but I am a single mom of 4 kids and obviously not in the right physical state after having my mitral valve replaced on my heart. I have expressed my concern and asked if I can do anything else to get my money faster because I have rent coming up and my money well has run dry and I'm at risk of loosing my apartment now with my kids. They give no [censored]s about their customers at all. And even with proof of things they still believe what they want.

My name is Damauria. I am a small business owner, accepting various payment methods including cash app, paypal, venmo, and apple pay. I started banking with Oxygen bank in October , regularly transferring money from my cash app and apple pay. On June 9, 2022, after transferring funds from cash app, I received an email stating my funds were under investigation. It appeared that once a certain deposit threshold was reached, my account was locked. Customer service was unhelpful, offering no direct contact with the necessary department. They advised me to reply to the email about the issue, which I did. They requested a specific document, which I submitted. Despite repeated attempts to resolve the issue, customer service was unresponsive and evasive. They claimed all supervisors were occupied and promised a callback that never came. Persistent calls yielded no progress. Eventually, I spoke to the same representative as before, with no higher authority available. They advised a 24-48 hour wait for a resolution, which was fruitless. Further research revealed many customers experiencing similar issues with Oxygen bank, resulting in severe financial distress.

Im making this second attempt to get my money back from oxygen. I have documents that show why oxygen denied my dispute and how I told them that just because they assume what happened that does not determine my dispute of $2257 I owned a cash app account and disputed all transfers between cash app and my oxygen account after December 13th.. because cash app refused to help me with the fact that my money was being added to cash app without my consent they determined that $52 was my total.. also reason 1 stated I am the card holder and thats a reason my dispute was denied when Ive mentioned multiple times that was my account before 12/13/2022 and even when cash app sent $100 and took $40 out my oxygen account you again used that as a reason to deny my dispute. I transferred cash from my savings to checking regularly for my money management and my cash app was connected to my checking so of course when I pull from my savings the only money available is in my checking. I even reported to oxygen to cancel the card even though it was not stolen , cash app has been hacked and will not fix the issue and that is why I went to my bank in the first place because it is your responsibility to help us protect our money. Any money in or out from cash app after December 13th was due to cash app trying to resolve an issue with $100.. I also sent a screenshot of what cash app told me when I tried to talk to them about this. Even though your response for my last Complaintsboard.com complaint was that you were waiting on documents.. not from me. Regardless this is my account and before I stopped using oxygen i use to use it for daily use my patterns are based on me being a frequent user of this app which got me to update my account because of it. I want my $2257 dollars back in my account. The reasons for denial were false and opinionated not actual reasoning to why you have my money STILL. I did not respond to the previous Complaintsboard.com complaint *** but this is my response now.

I'm a victim of identity theft unfortunately and before I go any further with this complaint I would like to say that I have reported this to my bank multiple of times but thru never done anything.In November I had a fraudulent charge from my account to cash app for *** I dispute it the gave me a $400 provisional credit then they turn around and take it back out of my account claiming no error was found and yet my phone was stolen and that's how all my info was used on March 14th *** I had to dispute a ton of purchases that was made on *** play that was fraudulently done and long and behold they denied it saying there was no error resisted it and April 21st got the same thing it was denied then June 29th a dispute for $1,253.00 and a superate dispute for *** was filed against multiple charges to *** payments via cash app atm withdrawals it wasn't me because I was in the hospital at this time with a deep vein thrombosis and they denied my claim like always but then they send me a email stating $302.50 was credited back into my account bur I never received it now on my transactions I show 3 charges from that ATM and oxygen bank customer service told me there's multiple from that same merchant and that my account was over drawn and now keep in mind not 1 time did my account ever show that it was overdrawn.The way I see it is when I first told them about my identity theft situation and all my account info was compromised along with my personal information then they should have changed my account number and routing number and they wouldn't display my DEBBIT CARD info like the number exp date and the 3 digit cvc online but they only replaced my card and did not change my account and routing number and they displayed my new card info so u they should be placed as in the wrong as well I feel like they don't care and they aloud my money to be fraudulently taken from Me I have bills to pay too and medicine get and I'm on a fixed income of $841 a month.

October 25th 2022 I received my social security check on my new oxygen account I have not yet received my original card from when I first signed up and I do not do vital cards but I'm watching it today the 28th is my money is disappearing off my account I'm numerous times ask them to help and they told me it has to be done processing first but in this case I don't think that it does because someone's stealing my money somebody hacked oxygen obviously and it's stealing my money but yet they're going to make me wait until these things are done processing for another thing they're going to pay these thieves no where's my money at I asked them on a daily I don't get responses by chat I don't get responses and email they don't even call me it's like they don't care and I'm not and I've lost my house I've lost myself respect knowing I'm going to be broke for the rest of the month because I'm watching my money disappear in front of my eyes yet they're not willing to even bend over backwards to help me and I'm mad and I want to know where my money is Social Security on October 25th deposited $1, *** and I'm sitting here everyday watching my money disappear right in front of my eyes I need help I don't know what to do I need somebody to make oxygen understand that obviously their systems have that's why my money is disappearing I am not received the card yet I don't do vital cards and I can't sit here and watch my money disappear. So they haven't responded to me via text via chat via email or even a phone call to ask me what's going on they act like when I get a hold of them I'll chat like they don't want to talk to me all the sudden they get attitude they threaten to close my account for no reason I had one of the managers actually tell me that she was going to close my account because she didn't want to hear me complaining what lady I have a right to complain I said I'm watching my money disappear wouldn't you when you complain cold hearted now so right now Im helpless

Name - keiffa speed Account number - 27*** Oxygen is illegally blocking access to my account with several ongoing disputes. There are several disputes still open and ongoing on my account in which Oxygen has received written confirmation way in advance for all of these disputes and I am expecting a provisional credit for several of these disputes. It is violating banking laws to not allow me access to my provisional credits while they complete their investigation. Oxygen has put a block on my account so that I cannot have access to my provisional credits while there are several ongoing disputes. It is not only unethical but illegal and violating several banking laws for them to do this. My account cannot be officially closed while several disputes are OPEN and ONGOING and I am supposed to received provisional credit for these disputes and I am actually expecting a provisional credit today on 12/10 but my access is blocked. Regulation E states that the bank institution must allow the customer access to the provisional credit while the investigation is ongoing then blocking my access so I have no access to my provisional credit and cannot see what is going on with my account is not allowing me access to my credit while the investigation is ongoing. I called Oxygen customer support to get clarification on a disputes that was concluded in my favor because the customer service agent was giving me misleading and limited information, shortly after that phone call my account access was blocked. I need and demand access to my funds immediately as there are several ongoing claims and I have a right to my money and to see what is going on with my account. Oxygen cannot just block my access and refuse me access to my account when they are supposed to provide and I am expecting several provisional credits. My access needs to be restored immediately until the completion of all the claims or disputes that were already filed and in progress prior to Oxygen making the untimely decision to close or block my account. Attached is the complaint that was faxed and emailed to Oxygen: