Oxygen Avis 

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.

I referred my brother when they had promotion free 10 bucks for both. He had his paycheck direct deposit and someone did atm withdrawals in Canada he's never been to Canada. He's out a whole paycheck and they refunded $5 for one fee when there were several $5 international fees. They haven't done anything to find out who and how they didn't have his card but it says they used his card it's been in his pocket the whole time. Over a thousand is felony charges they better get to finding out who has access to that information and refund his money

Love the damn thing..........

I can create free disposable virtual cards to pay online. So smart and secure.

I was able to save without much planning and the interest is 2%

Used to pay $500 for stupid credit cards; now I get it all and more

4% cashback, 2% interest and airport lounge access

Great perks, benefits, and features. Great referral program.

Knew of them from Brex and loving it

Best app, cashback and savings interest

Brex sent me to Oxygen and I can't thank them enough

Oxygen has much more features, a lot more perks and a real slick app

Save more than 2000 dollars and making 2% interest

I received a card in the mail with my name from Oxgen. Looked suspicious. I call the CS and she said I may be a victim of identity theft. I asked for her to tell me what info they have and how it was submitted. She said she can't provide me that info. I cursed her out and told her that's BS. It is my right to get what you have on file under consumer act. Ppl don't fall for this s@#$. I asked her to send me proof of the account closed and the b@#$% sends me a generalized letter. I then proceed to tell her why isn't the account on there and she says that's all she can give me. Again BS.

Received a strange email advising my account has been flagged by their security monitoring system. WHAT ACCOUNT? I've never even heard of this company and DEFINITELY didn't open an account. The whole thing sounds like a scam. Very concerning. Has me wondering what other information of mine is out there.
I'll be sure to report this to the BBB

I received a card that I never applied for. i tried calling to close this account as I never applied for it. Customer Service is horrible. Seems like a scam to me

Fraud account opened under my email and phone number not associated to me was on the account

I'm sorry to hear about so many bad experiences with this bank. I knew something was fishy when I received emails from them about an account I never setup. They also said that I received a card. Glad I did a review instead of contacting them or clicking any links. I will just block them from my email. Thanks for all the reviews guys and sorry for your losses.

This “bank” sent me e-mails and a debit card that I didn’t ask for. Why? Looks like a horrible scam because they want me to deposit money. Crazy. I don’t want to waste time calling them.