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:01/06/2025

  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.

  I've not had access to my account for about a week. They updated their app and website, ever since then I've had issues logging in to my account. At first, I was able to get access to my account online only. However, I've now lost the ability to login online. They have been working on the login issue for over a week now and I still don't have access to my money. I've asked them to transfer my money to a different institution and they will not do so until they fix the login issue. A business (mine) cannot not have access to their funds, I need my money. I don't want to wait anymore for them to fix their issue, I just want them to send my money to a different business.

  Business Response

  Date: 01/06/2025

  Hi ****,
  
  Thank you for bringing this to our attention. From our records, it looks like you confirmed with us last week that you are able to access your Account as normal. Im also seeing several successful transfers since that date. You should be able to send your funds to whichever Account youd like. 
  
  If youre having trouble sending a transfer, or if youre unable to access your Account, we will happily help you. Youll just need to reach out and let us know through email at *********************************** Please provide details on the specific error youre encountering.
  
  We sincerely apologize for any inconvenience.
  
  Thank you,
  North One ************* Team.

  Customer Answer

  Date: 01/07/2025

  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:12/26/2024

  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.

  We opened an online banking account and made a substantial deposit through an ACH deposit. After that the login ceased working. Through a series of emails then a zoom call, the person had no idea what the problem was after trying various new login options. I was informed that they chose not to open my account, after they had my deposit. They claimed their team sent an email regarding such, but there is in fact no email. Now they tell me after two weeks with my money, after review, they will send funds. I have three homes, 3 brokerage accounts, three banks accounts and excellent credit, if they choose their customers in any such a way, that is their ********************** . while failing at reasonable correspondence and also maintaining someone's funds is unaccacctable. Do not open the account and accept funds. I see you have many complaints there and can understand why.

  Business Response

  Date: 12/30/2024

  Hey *******,

  Thank you for your feedback. I do understand your frustrations regarding this process. Our team has initiated the request to have the funds returned to the originating Account, but we do need to wait on a response from them before the transfer can be completed. I see our Account agent provided you with more details on who to contact and what information to provide. I do encourage you to do so as this can help speed up the return process.

  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. As stated in the Deposit Account Agreement, the decision to exit your relationship is based on the overall evaluation of your Account or by request of the customer.
  
  Thank you
  ********************** ************* Team

• Initial Complaint

  Date:12/17/2024

  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.

  Nov 1st: I opened a new account for my new second business Nov 19th: I funded my account with a $1,000 from another business account elsewhere. My deposit was confirmed. Nov 19th: I left for vacation Nov 19th and Nov 26th, North One emailed me about additional documentation needed but I never saw those emails until after my vacation. This is a new business for me and a new email.Dec 11th: I saw the emails and immediately responded to the same person about how to send the required documentation. I wanted to send my documentation securely. North One did not respond. I tried to login to my account and it was locked. Dec 11th: I sent an email to the regular customer support email address explaining my issue and no response. Dec 12th: I sent another email to the same North One customer *** and still no response. My account was still locked.Dec 13th: I sent an email to the founder (***** **********) and the regular customer support email and still no response.There is not a working phone to call and the chat feature only works inside of the account which I can't access. I want my money returned and want to close this account permanently.This is unacceptable behavior for a bank.

  Business Response

  Date: 12/19/2024

  Hey ******,

  Weve checked up on your case using the email you provided, and I do see that youve been in consistent communication with our Accounts Team who has included some additional details in their messages. I can confirm that the request to have your funds returned to your other Account has been made, and that our team is waiting on a response from them so that we can send you final confirmation once theyve accepted the request. We thank you for your patience during this process.
  
  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 again
  North One ************* Team

  Customer Answer

  Date: 12/19/2024

  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:

  My bank said there is nothing "awaiting response".  North One just needs to stop stalling and send my money via ACH. There is nothing needed from my bank as this is a very simple transaction to complete. Attached is my bank's response. 

   

   

   

   

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

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

  Business Response

  Date: 01/08/2025

  Hey ******, 
  
  Thank you for following up. On our end, Im seeing that the funds have been returned to your other Account. Our team did send you a message confirming this, so if youre seeing something different on your end, please reply to that email so that we can identify the issue and help return these funds through a different method.
  
  We do apologize again for any inconvenience as I understand this process can sometimes be lengthy.
  
  North One ************* Team.

  Customer Answer

  Date: 01/09/2025

  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:12/10/2024

  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.

  North One has it legally opened up an account in my name. I have a physical business debit card that prompted me to put in my Social Security number in order to set up a pin. Though I contacted the **********************, they refused to email me back. This is not legal for a company to set up a business and debit business account in your name that requires the qualifications for actually having a business wish I do not and I dont even have a bank account. How dare ********************** participate in criminal activity and not even have a telephone number to reach out. I can prove that I have no response to emails. This company should be closed down indefinitely until they show proof and signatures of every account thats being complained about on here and how it was opened. Somebody needs to do a report on North One from local the news. The *** needs to press criminal charges on a financial company that doesnt even have a telephone number to call. You are a representative to speak to live or AI. Those should be the qualifications for any company to even be able to be open how dare you guys allow this to even go on and bureau that supposed to protect the people?

  Business Response

  Date: 12/12/2024

  Hey *******, 
  
  I do see youve been in touch with our team through email and theyve provided you with some additional details. I can confirm that the Account associated with your name has been permanently closed. There were no charges to the account and no credit extended, or information reported to any credit agencies.
  
  We recommend you contact your current banks, as well as local law enforcement, and the credit bureaus to let them know that your identity may have been stolen. They can also help you identify any businesses that may have been opened using your personal information.
  
  You can also visit the ************************'s website, *******************. It provides streamlined checklists and sample letters to guide you through the identity recovery.
  
  Thank you again for your assistance in identifying and closing this ************************************************

• Initial Complaint

  Date:11/26/2024

  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 am submitting in behalf of my elderly parent. My father received a debit card in his name at his home mailing address for an account he did not initiate with this organization, and he was not able to speak personally with a live human employee to resolve the matter. My concern is that he is a victim of identity theft and this bank is not conducting due diligence to prevent fraudulent activity.They should be investigated.

  Business Response

  Date: 11/26/2024

  Hi there, thank you so much for bringing this to our attention. If you havent already, please email us at ********************************** with any information we may be able to use to locate and close the associated Account. We also recommend that you contact your fathers current Banks to notify them that his identity may have been compromised, and that you contact your local police department in order to receive a police report. 
  
  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 ************* Team

• Initial Complaint

  Date:11/21/2024

  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 have never contacted or done business with this company.I am receiving links asking for my private bank account and identity information.I have read the responses to lots of other people being phished by this shady fintech startup and you're full of ****.BBB please review further - there is no way this is a legitimate business that deserves a high BBB rating. Answering complaints with worthless false statements should NOT clear them of ****************** does not have an active phone number and does not reply to digital communications.I cannot find any actual proof that this is a real business providing goods or services to anyone anywhere.There is clearly massive fraud being actively pursued here. Please delist this business immediately.

  Business Response

  Date: 11/22/2024

  Hi there,
  
  It sounds like you may have had some form of outreach regarding a North One Account that you did not apply for. If this is the case, please email us at *********************************** We will investigate and close down any unauthorized Account, and send you confirmation once thats complete.
  
  If you suspect that your information has been compromised, we also recommend that you contact your current banks, local law enforcement, and the credit bureau. You may 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 Answer

  Date: 11/27/2024

  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 categorically and unequivocally deny that any response by North One has occurred.

  The "response" is a cut-and-paste dismissal unrepresentative of any actual action, concern or contact by North One.

  Insulting, given that my complaint specifically noted this word for word copied response as being problematic and indicative of a company obviously not addressing problems.

  There is no way for me to verify the safety of my identity and information; the crux of this complaint.

  North One has provided no support or path to resolution.

  These are not the actions of a competent, well managed, legally compliant financial institution.

  To BBB: please do better - a high rating for North One is in no way accounting for complaints it clearly has not and does not intend to address.

  Companies cannot justly be freed of responsibility or liability by cutting and pasting the same non-response repeatedly during a clear crisis without resolving the complaints and systematic lack of institutional control.

   

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

  
  Sincerely,
  
  **** ****
  
  
  
  
   
  

  Customer Answer

  Date: 12/11/2024

  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:

  This information is already contained in my complaint.

  I provided this information to North One repeatedly before ever contacting the BBB.

  North One has never answered or attempted to answer any communication attempt on my part.

  North One absolutely refuses to act like a legal business.

  Congrats on avoiding a cut-and-paste response however the effort is completely pointless if you are still REFUSING TO ADDRESS MY STOLEN IDENTITY or even making a cursory effort to perform in a fiduciary manner.

  My complaint remains URGENT,  CRITICAL and UNADDRESSED.

  To BBB: what are you doing? Why is this company allowed to avoid responsibility for actual recorded financial crimes???

   

   

   

   

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

  
  Sincerely,
  
  **** ****
  
  
  
  
   
  

  Business Response

  Date: 12/12/2024

  Hey ****, my name is ********* and Im the ************* Lead at **********************.
  
  I have searched our records using the information I have available through this platform, and I can confirm that we do not have an Account in our system that matches your name or email. Im also not seeing any record of communication associated with your email address.
  
  If you have a different email, or if your concerns about a North One Account are attached to a different name, please reach out to us at ********************************** and we will be happy to continue helping you in identifying and closing any associated Account.
  
  Thank you

• Initial Complaint

  Date:11/06/2024

  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 an email asking me to agree to an account opened in my name. i never asked for or attempted to open an account. The email account in question was *******************

  Business Response

  Date: 11/06/2024

  Thanks for letting us know about this.
  
  North One was made aware of similar reports regarding verification emails sent to individuals who didnt apply for an account. The email you received is a verification prompt from our application process, which requires verification to proceed. I can confirm that no account was officially opened, as unverified applications cannot be submitted. North One has reviewed all related incidents and taken the necessary steps to prevent unauthorized applications from moving forward. In this case, I can confirm that no Account was officially ever opened and no further action is needed on your end. 

  For any further questions, please contact ************************************************************.

• Initial Complaint

  Date:11/05/2024

  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.

  North One send me an email, asking me to verify my email and I have never opened any account with the bank. They're not responding to emails I sent them.

  Business Response

  Date: 11/06/2024

  Thank you for bringing this to our attention. Upon review, I dont see any communication from the email listed here. If you havent already, you can contact ********************************** for further assistance.
  
  However, North One  has received similar reports regarding verification emails sent to individuals who didnt apply for an account. The email you received is a verification prompt from our application process, which requires verification to proceed. I can confirm that no account was officially opened, as unverified applications cannot be submitted. North One has reviewed all related incidents and taken the necessary steps to prevent unauthorized applications from moving forward. In this case, I can confirm that no Account was officially ever opened and no further action is needed on your end. 
  
  For any further questions, please feel free to reach out to **********************************.

• Initial Complaint

  Date:11/05/2024

  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 debit card from NorthOne a week ago. After doing research I saw that my personal information (social security, DOB, name) had all been part of a data breach and that my personal information had been used to open a fraudulent account with **********************. Once I received the debit card I emailed NorthOne informing them of this and requesting that the account be shut down - given that I didn't open the account and it was someone who stole my identity. NorthOne respondent, Namara, would email me vague responses such as you believe "someone may have opened an unauthorized account" and "we have concluded our investigation and taken any appropriate action deemed appropriate." Given this vague language, I was uncertain of 1) whether NorthOne has taken my complaint and request seriously and 2) what exactly is the appropriate action. I asked them for more details regarding their investigation and they stated "due to privacy and security reasons for all parties we cannot give you that information." I am the party that is affected, I was the one who had a fraudulent account opened under his name and that NorthOne allowed to occur because they didn't bother to do a proper security check before allowing these individuals to open an account under my name. I asked them if they could at least tell me if the account has been closed as that is all that matters to me and they still refused to do so. I tried to reach out again and they have since ignored my emails and refuse to answer. They also refuse to schedule a phone call, which is reserved for customers only. I am not a customer but I am someone affected by their poor business practices and they can't give me a phone call or at least tell me if they shut down the account. This bank favors anyone who is looking to open a fraudulent account and does not care about identity theft. All I want to know is if the account is shut down and what other actions were taken as the sole affected party its my right. See emails below.

  Business Response

  Date: 11/06/2024

  Thanks for letting us know about this matter, and happy to clarify further here.
  
  If you havent already, we strongly encourage you to contact your current Banks to notify them that your identity may have been compromised. You can 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.
  
  At North One, security is our top priority. When a claim of this nature is reported, we promptly review it and take all necessary actions. Regarding the Account in question, typically only Account information is able to be shared with the primary Account owner. However given the situation, I can confirm all appropriate and necessary action have been taken on the Account in question, including a full closure.
  
  For any additional questions, please contact ***********************************

• Initial Complaint

  Date:11/05/2024

  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.

  Yesterday, 11/3 I received an email from North One New York stating that I had opened an account with the financial firm and to verify my email address; though I did not open an account with them. Upon reaching out to North One, all they told me 11/4 to "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"- but no information about how to close, access, or get any information about this account that was NOT verified by me. I've locked my credit reports, am blocking my social security, but would like further help with a resolution regarding this matter. Please advise, Screen shots of emails attached. Thank you.

  Business Response

  Date: 11/06/2024

  Thank you for letting us know about this situation. We take all security reports and treat them at the highest priority at North One. 
  
  We received similar reports around this timeframe, and I can confirm that North One has taken appropriate actions to prevent unauthorized applications from continuing further. The email you received is an initial step in the application process; without email verification, the application cannot be submitted, and no account can be opened. Rest assured, all necessary actions have been taken to prevent unauthorized applications from moving forward. In this case, I can confirm this in your specific instance, and no further action is needed on your end.
  
  If you have any further questions, you can always contact ************************************************************