Coastal Community Bank レビュー 

​Coastal Community Bank acts as the chartered partner bank behind fintech apps like OnePay, but they fail to oversee how fraud disputes are handled.
​After an unauthorized $1,800 transfer occurred due to a compromised device, the claim was automatically rejected in under 60 seconds by a bot—without a human ever evaluating network telemetry, server logs, or basic facts.
​When challenged under Regulation E (12 CFR § 1005), the bank and its fintech partner used invalid arguments (like "virtual card viewed") to deny liability and shift the burden of proof onto the consumer, which explicitly violates CFPB staff commentary and federal law. When forced to address the issue on consumer dispute platforms, Coastal simply uses privacy deflections instead of resolving the regulatory breach.
​Official complaints have been filed against Coastal Community Bank with the Federal Reserve Board (FRCH), the CFPB, and the FDIC for third-party BaaS compliance failures and refusing to conduct a lawful error-resolution investigation.
​Consumers beware: if your money is stolen on a platform backed by Coastal Community Bank, do not expect a real investigation.

Case ID: 89989936780DA55C

After several chats and emails through Brigit, this problem remains unresolved. As stated in my complaint with them. I never asked or applied for o loan note. This was done without my consent I will be seeking legal assistance to resolve this issue. The company has never contacted me regarding this problem. I let you and them know that I only signed up for a cash advance for $50.00. Not a loan from Costal Community Bank. When I called Coastal Community Bank they let me know that they don't have access to Brigit accounts. If that's correct how could I have open an account with a company I had know knowledge of? Since BBB cannot provide assistance I will rate the Brigit and Coastal Community Bank as fraudulent. My personal rating for this company is a flat out "F"
Lisa Williams

Well my experience at coastline credit union west kempsey was absolutely a mindblowing bag of lies in had opened a 50 50 equal share signatory partnership joint account with set conditions no debit or credit cards to our account and requires both signatures to use money from the cheq account.we opened with a 4,500;ballence in 1 day that account had 1,583 left in the account it was a solid account either of us couldn't not take out that money 6 and a half years later I find out our cheq account wasn't even used it was put under the rug while my partners personal account operated our business my partner laundering all our money and coastline have said not one word about this account they say it doesn't exist yet I have evidence of the account and still sit there and lie straight though their teeth im Terrence smart and 5 stars to coastline credit union they destroyed my life my family's aswell

I had a very frustrating experience with the Robinhood Gold Card dispute process.

I disputed a charge after I paid for an online service that I was immediately unable to access. I provided screenshots showing my account no longer had permission to log in, explained the situation in detail, and responded to every request for additional information.

Despite providing everything I reasonably could, my dispute was denied for "not enough evidence." I repeatedly asked what evidence was used to reach that decision, whether the merchant had provided any documentation, and why my evidence was considered insufficient. I never received a clear explanation.

The process felt extremely one-sided. It seemed like all of the burden was placed on me to prove I didn't receive the service, while I was given no visibility into what, if anything, the merchant submitted. At one point I was even told I had initiated a cancellation, which was simply not true and something I repeatedly corrected.

I understand that not every dispute will be resolved in the customer's favor. However, I expected a fair investigation, transparency about the evidence considered, and a clear explanation of the decision. Unfortunately, that was not my experience. Based on this experience, I have very little confidence in Robinhood's dispute resolution process.

A year of complaints. Not one dollar back.

Seen charged me a $59 annual fee on my first statement — a fee I wasn't clearly made aware of when I signed up. I requested a refund multiple times given the confusing marketing and my financial situation. Seen refused every time.

Over the next 13 months I filed formal complaints with the CFPB, the Federal Reserve Bank of San Francisco, and the California DFPI. None resulted in a refund. Seen's official regulatory response stated the fee was disclosed in their January 2025 direct mail offer, but the disclosure clearly wasn't prominent enough for me as a consumer to understand what I was signing up for.

I'm not disputing that fine print existed. I'm saying that when a customer comes to you confused, financially stretched, and asking for a $59 goodwill refund on an account they barely used — a company with good values finds a way to make it right. Seen did not.

The absolute worse support ever! they lack the basic Banking knowledge and common sense implemantation. A debit card is linked to a Checking account simple right? not so with anyone working at Onepay! debit cards get hacked or replaced but the replacement cards are still linked to the original checking account which is the banking industry norm, even a kid knows that! I got a refund from a merchant sent to Onepay, onepay claims it canot be processed because the debit card used to purchase is voided now due to a card replacement,Onepay told me to ask the merchant to issue the refund to my new debit card which is absurd! No Merchant will do that since their policy is refund to ORIGINAL card only which is also the norm. Onepay knows the refund belongs to my checking account but they are so clueless and suggested I file a dispute with merchant who is in the right! been 3 weeks now and zero refund in my account. I just filed a complaint with, Attorney general, BBB, CFPB, Division of Banks. Onepay perks do not worth the headaches, STAY AWAY FROM ONEPAY. Update, The reply from Onepay has zero merits since Their support line AGAIN on 6/8 still lack competency to resolve the issue.

Very concerning experience dealing with Coastal Community Bank dispute operations regarding what appears to be an extremely abusive chargeback case against our business, Circa Watch Laboratories LLC-FZ.

Customer Nasib Kharel filed Dispute ID du_1SqD8gHBqmTMrESID7uvZrzI falsely claiming that his watch order was “not delivered” despite overwhelming proof confirming successful delivery.

The package was delivered

We provided:

* JCEX tracking confirmation
* USPS delivery confirmation
* Delivery photos
* Matching postcode and shipping address verification
* Multiple independent tracking platform confirmations
* Customer email acknowledgements confirming receipt

The customer even directly admitted through email that the watch had been received and stated he intended to withdraw the chargeback once delivery was confirmed.

Despite this, our business was still forced to spend time and resources fighting a completely unnecessary dispute after the customer already acknowledged possession of the merchandise.

Another major red flag was that the billing and shipping addresses did not match:

Yet despite these discrepancies and overwhelming delivery evidence, legitimate merchants are still forced through stressful and costly dispute processes while customers retain the merchandise.

From our experience, Coastal Community Bank’s dispute handling procedures place far too much trust in cardholder claims even when merchants provide confirmed proof of delivery and direct customer acknowledgements.

We are preserving all records, tracking information, emails, and delivery evidence regarding this case and escalating the matter further due to the financial and operational damages caused to our business.

this is the bank behind robinhood credit card. the worst service I have ever seen.

They service Till Financial which is a terrible company. Terrible company. Terrible customer service. They refuse to close out my accounts. I have gone through hoops with customer service for months. I'm at a loss and customer service is horrendous. NOT WORTH IT!!!!!

These crooks are the ones who run the Robinhood credit card. They froze my account that was in good standing, claiming that I couldn’t verify my identity, which I tried multiple times over the app with different types of identification. They never reopened my account; they just closed it. I thought it was very suspicious, like they were defaulting. I couldn’t even make payments; it was very shady activity. Do not trust them.

Critical Warning for Business Owners – Bluevine / Coastal Community Bank Froze & Closed My Accounts Without Justification

I’m writing this review to warn other business owners about my deeply concerning experience with Bluevine, whose banking services are provided through Coastal Community Bank.

At 4:00 PM on the Friday before Labor Day weekend, Bluevine abruptly froze both of my business accounts without any prior notice or explanation. This action completely shut down my business operations, including my ability to run payroll for my staff — a devastating blow heading into a holiday weekend.

After the holiday, I spent four business days on the phone with customer service, trying to get answers. I was transferred multiple times, kept on hold for extended periods, and received no clear explanation for the account holds. Eventually, one of the two accounts was unlocked, just enough to pay my employees, but the second account — containing $81,000 in cleared funds — remained locked with no reason provided.

Then, the very next day, Bluevine / Coastal Community Bank closed both accounts entirely, again without explanation, and informed me that my over $100,000 in business funds would NOT be returned. This has crippled my business, delayed vendor payments, and forced me to begin pursuing legal action for negligence and damages.

This level of mishandling, lack of communication, and disregard for the impact on a small business is beyond unacceptable. For a financial institution that claims to support small businesses, Bluevine and Coastal Community Bank have proven to be completely unreliable and opaque.

Bluevine and Coastal Community Bank — you need to make this right immediately. Return the funds you are holding and take accountability for the disruption and harm you've caused to my business.

I strongly urge other business owners to exercise extreme caution before trusting either of these entities with your money. If you rely on consistent access to your funds to run your business, look elsewhere.

I have truly no idea what all these other reviews are talking about. CCB as an entity is split between two spheres: their core bank operations (the branches which serve bank customers) and CCBX which provides services to partnerships with other financial companies (and these are unrelated to the core bank and its customers and products). Coastal does not offer credit cards last time I checked, so anyone complaining about them may be complaining about one of the partner companies that Coastal services a card for—but in those cases they are not having issues with Coastal Community Bank and have just come here to complain.

Coastal is a great community bank that has done more for its local businesses and residents than any other in the region, and it was the first in the country to provide small business loans during COVID due to its organization and training. I wouldn't bank anywhere else, and I wouldn't listen to these people who just need to complain about things they don't understand.

Do not do business with nor send money to anyone with an account at this bank. They are a "sponsor" bank for OnePay and other Fintech entities, which they claim basically claims to absolve them from any liability or customer service.

Basically the wire can say their bank name, their address, have valid account numbers etc. but they have no idea about where the money is because "they can't do anything".

This bank helps obe finance,/one bank/ one app scam customers and has told them to always bring up their name plus they are FDIC insured and a full legal bank when they aren't. I tried to reach out to the main office for coastal community bank in the state of Washington without any luck. I have already had to file many reports with the fbi, ftc,fcc bbb, and many others, because that is what I was forced to do buy both companies.

This "bank" that claims not to be a bank is some sort of clearing house for something called "One Card". They sent a mailed unsolicited debit card. The debit card company number goes to a call center in India who "has no fraud department", and hangs up on inquiries. Why do business with such a shady outfit.

Problems with customer service. They manage Prosper credit card. Blocked my credit card because I denied a merchant's unauthorized charge. Not fair.