Oxygen Opiniones 287

Great overall experience

I have seen so many negative comments about this virtual bank, and though my customer service experience hasn't always been amazing. Yesterdays experience was amazing, and I must give credit where credit is due.

I live and work abroad, but like most of us who earn US dollars, we like to keep that money in dollars. Sometimes this causes problems regarding automated security and fraud alerts....

I went to go and purchase a motorcycle, i had a large deposit into my account the night before, and I knew the purchase limits for signature purchases and pin purchases. So I decided to break my purchase into 2 large payments. I had never previously made such a large purchase before and I suppose that set off the fraud alert system due to the amount of incoming, and the amount of outgoing and the location I was doing it.

On my way to purchase items after the first payment on my motorcycle, I received an email informing me that my account was blocked due to a breach in the deposit agreement (the small print we all agree to when opening the account).
The exact issue provided was that the deposits were made, but the beneficiary name was incorrect and therefore a potential risk. I panicked.
I rushed home only to sit on the phone for 30 min, and to have the systems hangup on me after informing me there were no more representatives. Panicking again.
So i went to my app and pulled up the details of all my deposits to confirm in fact they were addressed to me as the beneficiary. I then got the screenshots from my mother who sent me the money to confirm she had addressed the beneficiary correctly, which she did as she has me saved as a permanent recipient... I wrote a polite yet urgent email and explaining how there must have been a system error, and sent the screenshots.
1 hour later I received an email informing me my account was active and an apology for any inconvenience.
I did not have to fight with anyone, or call for days, or demand to speak to an escalated representative. I want to thank the rep who reviewed my issue, Eric, as he understood completely and made my experience hassle free.

I received incorrect 1099-INT on Feb, and contacted them every week trying to correct it, every time they just say escalated to higher department, and their phone customer support never connected, email support is use less, and next week is the deadline of tax return and I’m still not receiving the new 1099, this is ridiculous 🤬

Just like others are saying, I had an active account for months and 2 days ago they randomly closed it without notifying me. Customer service can't tell you why, all they can do is process a check for your account balance which will take up to 14 business days. I got an email today that said "my account was closed due to a lack of proper identity verification". It's obviously an issue on their end but why they would jettison a customer instead of telling me what they need to get it fixed is sketchy. This is a shame because prior to this I really liked this bank and was planning to eventually make it my main bank. I even recommended them to family & friends. Now I just look foolish having to warn them away.

If you like banks that close your account with no notification and say they can’t tell you why the account was closed, then this is the bank for you.

I opened an account a few months ago everything was great. Then about 2 days ago they closed my account with no notification. I had to call them to figure out what was going on. They won't tell me why the account was closed or how I would go about reopening it. My only option is to take a check for my account balance. I thought I would try the bank due to the great perks it offers. Don't trust them. This is a common issue and they will not help you.

I frequently transfer money into and out of my accounts and everything has been flawless for me. I've seen some of the recent reviews and I'm just reporting my experience has been great. I have not had to contact customer service or file a dispute like some of the recent reviews so it's possible that experience may be different. I do have their "fire" element card and the benefits (such as reimbursement for netflix) are always accurate and timely

They stole $275 from me!! would not explain why ( nothing about it in transactions history) and kept telling me my birth date on file was different I sent in my driver's license and all. They have you on hold and give you the run around. They were great for a year then all of a sudden it get sketchy

Don’t open an account with them. I had two seperate fradulent transactions totaling $80 that were obviously made by a prisoner or family member of a prisoner (one was for a prison calling service and another was for a prison commissary). It was a whole run around trying to report the charges and get my money back. A few weeks after they refunded my money, I got another email saying that one of the charges had no error and they took the money from my account again. When I asked for documentation showing why it was an error considering the transaction was 100% not authorized or made by me, they never responded. The cash back offers are also a pain to redeem. Go with literally any other bank

I didn't have any problem with this bank for several months but then someone got ahold of my card information and/ or my account information and completely wiped me out of $1550 dollars. I filed a claim the very next day (because their customer service is so godawful that I couldn't get the phone answered before they closed) and then they had the audacity to say "no error" after a 10-day investigation when the purchases CLEARLY didn't match my spending history and the fact that all $1550 was spent within a total of 60 seconds!! I changed all the account information, got a new email, password, etc and was about to change the direct deposit for the my next check but this thief beat me to it for my Feburary 1st check and stole ANOTHER $1600!!

Now I've been on hold for almost 4 hours on and off because no managers are available and one of the reps even dared to hang up on me for dropping an F-Bomb because I was so utterly livid over the hardship this is causing me.

DO NOT TRUST THESE SCAM ARTISTS WITH YOUR MONEY!!!!

What an awful bank. I initially opened an account with them because I travel frequently, and I was tired of my previous bank locking my card all of the time. While this is a good feature of Oxygen, it is the only good thing they offer. If you ever lose your card, you are scr*wed. They say they mail a replacement card, but you never receive it. You have to contact customer service to receive a new one (again). It is a warranty that you will be on hold for upwards of an hour (if you can even get through, half of the time there is a recording saying you are being disconnected after having waited for a half hour). You can only deposit $500 in cash a day, and that is at a fee of $5. There app to upgrade to the Fire Element has been broken for around 3 months now, requiring you to deposit $60,000 PER MONTH in cash in order to qualify, lol. This is a mickey mouse operation that is ran by rude, unprofessional people. Also, the chat feature in the app is no longer available. Apparently, the "page has been moved." WHERE??? WHERE DID IT MOVE TO...?? Do not waste your time. Go to a reputable bank with in-person customer support. There are MANY out there that offer the cash-back feature that this terrible company offers.

Trying and waiting since November 18 for a replacement card, and after over 30 days I was told that it could not be expedited next or 2nd day , and that I would have to Pay 50.00, Now it is January 24, and still no debit card or access to the account. I am reporting this company for taking too long to get my atm card . and for poor customer service. The company started out good but has continuously gotten worse by the day.
Waiting 89 days for a ATM card . Its a bad deal for this company that started out strong , however cant explain why this happened

OXYGEN BANK.. What a joke.. customer service doesn't know anything and there dispute team .. Doesn't do r even look into your disputes .. Deny it comes quickly . Funny I called merchant told them.. What's up and asked if oxygen called. There dispute team . They said who . No.. They didn't .. So this banks a joke..
Hussein Ahmed
Hussein... The owner,,CEO. Man.. Sad. That your dream... Will be a memory when I get done with this lawsuit .. Cuz. . You're not walking away with my money .. your bank. .dispute team and your customer service.... All don't care about your bank . Dream. They don't treat customers with any respected.. Your dispute team doesn't do there job . And .. I'm over it. Banks 100% worthless a joke... Don't deal with them.. Though all sweet at first.. Your money will be gone and you'll dispute won't be in your favor..

They closed my account for NO reason. They tried to say i violated TOS. Not true. Fortunately it wasn’t my primary account. Stay away from them!!!!!

Loved the bank, the services for a year now. Then poof… something shifted. Chat support is no longer working. Contact attempts made se real times via call line only to be on hold forever constantly hearing “please hold the next available representative will be right with as you are next in line. However at any give time please press 3 to leave a voicemail.” Then some music that sounds like it belongs on a horror scene plays over and over.

This banks customer service literally sucks! If I could give negative stars I would. I opened my account 12/15, it is now 1/9 and I still haven’t received my debit card. Not to mention I paid $50 to rush the sending of a second card since I never received the first one, and yet I still haven’t received anything. I keep trying to reach someone and keep getting hung up on once I’m the next caller in line. I will be reporting them to the BBB. Save yourself a headache and don’t get this bank!

At first I was happy with oxygen. A few weeks later. The nightmare arrives lost card they tell me 5 days. So all my money is non accessible for a week. After ten days still no card. Called c/s lady was rude and told me to wait. Couldn't track it. Or tell me if it was on the way. She had no answers. 2 weeks passed I called again and asked what the problem was. I don't know why oxygen has c/s. If they can't help you with anything she tells me. She will fed ex me a card after two weeks of waiting. 4 days later card arrives. They charged me 50 bucks. This was my best experience with oxygen . Short time after 1,741.00 was drained from my account in two days. From overseas from an ATM over 3700 miles away from me. Well I put in a dispute thinking this is obviously a no brainer . I get an email that says" We reviewed our records and found no error. Then they closed my account for no reason. What can I do?

My account was hacked in the beginning of June. Called as soon as the customer service center opened. Out of 30000$ stolen they only refunded 5000dollars because quote I had a previous relationship with the person and I had my physical debit card on me. My account is still frozen after 5 months and customer service is no help. Nobody knows anything and the only answer I ever get is you have to wait for an email. Stay away from this bank.

Most unreliable bank I have ever see.

I had money transferred from Zelle to this bank for which Zelle provided confirmation of the transaction. Oxygen has no record of the transaction. When I called customer service I got the same woman over and over again that was completely rude, would not answer any questions, would only repeat "check in 3-5 days" even after it had been 6, hung up on me, left me on hold several times, refused to get a supervisor, and insisted on calling me ma'am even after I said that I am male (which is very obvious - my first name is john and I have a deep voice). Since she appears to be the ONLY agent on staff and there is only one phone number to reach Oxygen, all customers are at her mercy.

Terrible terrible terrible operation. May be ok if you never have a banking problem... good luck with that with a bank that can't work with its financial partners to move money around.

I received a card in the mail despite never opening an account. I called customer service to close the account which they did and sent me an email stating the account is closed. The customer service agent had an Indian accent and based on the phone call audio lag she was definitely operating out of a call center in India. Something interesting to note...While talking, the customer service agent confirmed they already had my email address on file for the account. I checked my email history and found ZERO records of "Oxygen" which means I never received an email about the account in the first place. Which means the company itself is creating these fraudulent accounts and choosing not to inform users via the email address on file. Or its also possible this whole thing was an elaborate phishing scheme designed to get users to call customer service and provide personal details that Oxygen didnt already have which will be used against you in the future.