Complaints

This profile includes complaints for North One's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  North One

  401 Park Avenue South New York 10th Floor, Office 823 New York, NY 10016

  
• 

  NorthOne Banking

  44 Montgomery St Ofc 3-105 San Francisco, CA 94104-4602

• 

  NorthOne Inc

  240 Richmond St W Toronto, ON M5V 1V6

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/16/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was mailed an unrequested debit card from this "Bank". I have read numerous other complaints on the site here and it appears that they are either doing this as some sort of shady business process or allow anyone to open an account in any other person or entities name with little to no process of confirmation.I would like any account that was opened in mine or my businesses name to be closed immediately,

  Business Response

  Date: 06/17/2025

  Hey *******,

  Thank you so much for bringing this to our attention. I see you've been in touch with our team who confirmed that the associated Account has been permanently closed. We sincerely appreciate your help with this.

  If you haven't already, we recommend contacting your current Banks as well as the credit bureaus, and local law enforcement. You might find it useful to visit the ************************'s website, *******************. This is the **********************************. It provides streamlined checklists and sample letters to guide you through the identity recovery process.

  Thank you
  North One Customer Care

  Customer Answer

  Date: 06/23/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  ******* ********
  
  
  
   
  
  

• Initial Complaint

  Date:06/06/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On June 4, 2025, I received a North One debit card in the mail that I did not apply for. There's no number to call on the back of the card and I didn't see a customer service phone number on their website to call.

  Business Response

  Date: 06/10/2025

  Hello ********,

  Thank you for bringing this to our attention, the associated Account has been permanently closed. We sincerely appreciate your help in bringing this to light. If you have any further questions, please email us at ************************************************************
  

  If you haven't already, it would be in your best interest to contact your current banks, as well as the credit bureaus. We strongly encourage you to reach out to your local law enforcement about this, they can help identify the individual who may have been responsible.
  

  You might find it useful to visit the ************************'s website as well: *******************. This is the **********************************. It provides streamlined checklists and sample letters to guide you through the identity recovery process.
  

  Thank you again,
  North One Customer Care

  Customer Answer

  Date: 06/13/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  ******** *******
  
  
  
   
  
  

• Initial Complaint

  Date:06/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received an unsolicited NORTH ONE business debit card in the mail addressed to my maiden name which I have not used in nearly TEN YEARS. This account needs to be flagged as FRAUD and CLOSED immediately.

  Business Response

  Date: 06/03/2025

  Hey ******,

  Thank you for bringing this to our attention. I see that you have spoken with our team who confirmed that the associated Account has been permanently closed. We sincerely appreciate your help in bringing this to light.

  If you haven't already, it would be in your best interest to contact your current banks, as well as the credit bureaus. We strongly encourage you to reach out to your local law enforcement about this, they can help identify the individual who may have been responsible.

  You might find it useful to visit the ************************'s website as well: *******************. This is the **********************************. It provides streamlined checklists and sample letters to guide you through the identity recovery process.

  Thank you again

  North One Customer Care

• Initial Complaint

  Date:05/05/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a North One Business Debit card in the mail that I did not apply for. I have never even heard of this company. They list "phone numbers" on their website, but when trying to call and speak to someone, you get an automated message... "Thanks for the call. Configure your numbers voice url to change this message. Let us know if we can help you in any way during your development" and then it hangs up on you. I am assuming this is a scam, or somebody has stolen my identity to open up an account. I received an email back from someone at this supposed company wanting me to take a picture of the information on the card and send it to them. Absolutely not, if this is a scam then you have the card number to use at your convenience. I would absolutely love to speak to an actual human being on the phone. What type of banking/technology company doesn't have a phone line? Can you provide me with a phone number to ************ NA possibly?

  Business Response

  Date: 05/05/2025

  Hi ****,

  Thank you so much for reaching out to us about this. I see that our team was able to confirm that the associated Account has been permanently closed, and provided you with some helpful info on your best next steps here.

  We do strongly recommend you reach out to your local law enforcement. They'll be able to help you figure out how to proceed, and can also help you in identifying the responsible party. The ************************'s website is also a great resource to help if your identity has been compromised: *******************.

  Thank you again for your help in locating and closing this Account.

  ********************** Customer Support

• Initial Complaint

  Date:05/02/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I got a debit card in the mail randomly. I feel like its a shady marketing approach based off these other complaints.I emailed them and they told me they would close the account and someone would be in touch. Seems they are letting anyone with stolen info open accounts in innocent peoples names. I would stay away from this bank. I tired to call and no good number.

  Business Response

  Date: 05/02/2025

  Hey *****,

  Thank you for bringing this to our attention. North One does not send out cards as marketing or promotional material. If you received a North One MasterCard Debit Card and did not open an Account, it is possible that your information has been compromised.

  I do see you've been in touch with our team through email and they were able to provide you with some further details about this. You can feel free to respond in that same thread if you have additional questions. Due to privacy laws surrounding customer information, there are things we aren't able to share with a subpoena present. That being said, a great next step for you is to contact your local law enforcement if you haven't already. They can help you to along the way.

  We do recommend that you contact your current Banks, as well as the credit bureaus. You might find it useful to visit the ************************'s website, *******************. This is the **********************************. It provides streamlined checklists and sample letters to guide you through the identity recovery process.

  Thank you again for reporting this.

  North One Customer Care

  Customer Answer

  Date: 05/11/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  I have asked them to provide me the company any of the consumer reporting agency they used to verify the information submitted. They refused to tell me what service they made an inquiry before opening an account. I have requested reports from all the consumer reporting agencies I can find.  I really feel that are being extremely difficult. All they need to do is tell me where they inquired so I could have that FRADULENT inquiry deleted.  If they do not provide this info, I will take additional steps. I will be reaching to to ****, ****,any other regulatory agency they are regulated by. It would be a lot easier for them just to provide the info so that I can ensure all my records are correct. They also have not provided anything in writting as I asked for that states the deleted the inquries.   

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ***** *******
  
  
  
  
   
  

  Business Response

  Date: 05/21/2025

  Hey *****,

  I certainly understand your concerns. Unfortunately we are limited in the amount of information we're able to share since we are obligated to adhere to banking privacy law, as well as internal security measures. Your best next step here is to contact your local law enforcement, if they reach out to us on your behalf we will be able to provide more detailed information about the Account and about our processes to them. They'll also be able to help you in tracking down the responsible party, and ensuring that your information is secure.

  As always, feel free to send us an email at *********************************** We'll work with our Account Safety team to answer your questions as best we can while you work with law enforcement to help us offer more.

  Thank you

  North One Customer Care

  Customer Answer

  Date: 06/01/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  i asked them to provide the agency they use to check consumer info.  Not asking for any personal details. Most banks or institutions use ***********, early warning, credit reporting agencies? I need to know where they inquired on my social security or tax id.  They still refuse to provide that info.  This is not consider private information.  Im simply asking what consumer reporting agency they used to check the personal info submitted   I need to have that inquiry removed.  The police are not going to reach out to them to ask what agency they used.  I will be sharing this communication with federal regulatory agencies as other consumers need to know how difficult and how non service oriented North One is.  Based off this experience I would NEVER do business with them.  Until I receive the information so I can assure my record is corrected this issue will be unresolved.  Very simple ask here.  In the victim of fraud and they are making it worse. 

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ***** *******
  
  
  
  
   
  

• Initial Complaint

  Date:04/23/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a refund check from NorthOne from a dispute. My account was closed so they mailed me a check. I've been to numerous ******** and check cashing places and they all couldn't cash the check. Ace Check Cashing said it's possibly fraudulent. I haven't received an email response from customer service yet.

  Business Response

  Date: 04/24/2025

  Hey *******
  
  Thank you for reaching out about your concerns. I see youve been in touch with our team through email and they were able to help you.
  
  As they mentioned, some check cashing services do have limitations or restrictions, and its best to deposit this check directly into a bank Account instead.
  
  If you need a hand with anything else, feel free to reach back out trough the same email of ************************************************************
  
  Thanks again
  North One *************

• Initial Complaint

  Date:04/10/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was banking with NorthOne for my business and out of no where, after I had to dispute a few items, they put my account under review and then closed it right away with no explanation. Theyve been withholding my funds for over 30 days with major lack of communication and me left with out my funds. I was told I would be issued a refund check for the remaining balance and can take up to 30 days to received and weve surpassed that 30 day *****

  Business Response

  Date: 04/11/2025

  Hey *******,

  I reviewed your Account and I do see that you've been in touch with our team about this. As they mentioned, a check has been sent to the address that you provided to us and I would expect it to arrive within the next 2-4 business days. If you don't see it within that period of time, just let us know so we can get a new one sent out as soon as possible.

  All financial service companies are required to evaluate their products, services, and customers periodically. Based on our review, we may choose to discontinue certain products, services, and, in some cases, customer relationships.

  Thank you

  North One Customer Care

  Customer Answer

  Date: 04/15/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  ******* *********
  
  
  
   
  
  

• Initial Complaint

  Date:04/10/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I got a debit card in the mail for something that I never applied for and cannot get a response from these people

  Business Response

  Date: 04/11/2025

  Hey ****,

  Thank you for bringing this to our attention. I don't see a record of your outreach to us, but I was able to use the information attached to your review to flag the associated Account to our Account Safety team. They will investigate this and ensure that the Account is permanently closed. If you'd like us to follow up with you once that's complete, or if you have any further questions, please email us at ************************************************************.

  We also recommend that you contact your current Banks to notify them that your identity may have been compromised, and that you contact your local police department in order to receive a police report. North One does work with law enforcement. You might also find it helpful to visit the ************************'s website: *******************. This is the **********************************. It provides checklists and sample letters to guide you through the identity recovery process, if needed.

  Thank you again,

  North One Customer Care

• Initial Complaint

  Date:04/02/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a business card from this bank that I have never spoken to or request it to open a bank account. It has my full name in it and my address. I want to know what this is about without having to share your personal information to this company called north one. As a senior citizen there are a lot of scams and this seems to be one of them especially since I have never heard of this company and do not have a business that it is claiming I have on the card.

  Business Response

  Date: 04/02/2025

  Hey ****, 

  Thank you for bringing this to our attention. The information included in your review is sufficient for us to begin investigating this, so no further personal info is needed.

  However, if you'd like any additional information (such as confirmation once any associated Account has been closed) please email us at ************************************************************.

  We also recommend that you contact your current Banks to notify them that your identity may have been compromised; that you contact your local police department in order to receive a police report. North One does work with law enforcement and if a subpoena or other legal documentation is provided, will cooperate.
  
  You might find it useful to visit the ************************'s website, *******************. This is the **********************************. It provides streamlined checklists and sample letters to guide you through the identity recovery process.

  Thank you,

  North One Customer Care

• Initial Complaint

  Date:02/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  NorthOne has completely failed to protect my account from fraudulent transactions and is blatantly violating banking regulations. I filed a dispute on December 18, 2024, and as of February 5, 2025, I have yet to receive any reputable update or provisional credit. Instead of handling fraud cases responsibly, NorthOne outsources all disputes to a third-party company, Galileo, and claims they have no insight into the dispute process or timeline.Even more concerning, NorthOne openly states on its website that they do not issue provisional credit, which I dont understand how they can legally get away with. This directly violates the Uniform Commercial Code (UCC) and Mastercards Zero Liability policy, which require financial institutions to protect customers from unauthorized transactions. By refusing to issue provisional credit, NorthOne is breaking industry standards and leaving customers financially *********** make matters worse, my account has been accessed by an unauthorized party for weeks. Every time they log in, I get kicked out of my own account. Despite reporting this critical security issue, NorthOne has done absolutely nothing to fix it.

  Business Response

  Date: 02/14/2025

  Hey ******,
  
  I see that youve been working with Customer Support team on this and that your dispute has been resolved and your Account has been actioned. We appreciate your patience while we worked with our partners to investigate the claims, I understand these situations can feel stressful.
  
  Should you have any further questions regarding your disputes, contact our customer support team at **********************************

  Customer Answer

  Date: 02/17/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

  I am rejecting North Ones response because on Friday I notified North One Support ********* and ****** about two ATM no cash dispensed issues I had. I have not heard back from North One Support as of yet and Ive sent them numerous emails and they are blatantly ignoring my chat messages. I have provided screenshots to show that they have not responded to any of my messages and no dispute has been raised for the no cash dispensed. I also provided my drivers license so that they could change my mailing address could mail me any documentation or checks thats due to me and I have not heard back on that either. They practice very shady unethical business practices and need to be investigated which is why I involved the Comptroller of the Currency, CFPB, ************ and the **** as well. 

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ****** ****
  
  
  
  
   
  

  Business Response

  Date: 02/26/2025

  Hey ******,
  
  Ive reviewed your Account and can confirm that your address has been updated, and your new disputes have been actioned.
  
  Thank you again. Should you have any further questions regarding your disputes, contact our customer support team at ************************************************************