Lead Bank Refuses to Help or Take Responsibility for OnePay Customers
I contacted Lead Bank after OnePay abruptly closed my account and withheld my remaining balance of $630.70. OnePay’s own materials publicly list Lead Bank as their financial partner, so I expected at least some level of assistance or accountability.
Instead, Lead Bank responded that my OnePay account “is not associated with Lead Bank” and that I should contact another bank — Coastal Community Bank. This completely contradicts OnePay’s own disclosures and public information showing Lead Bank’s connection to the program.
Lead Bank has refused to provide any clarification or help recovering my funds. Their response has been dismissive and evasive, even though state regulators — including the Missouri Division of Finance — have now confirmed they are reviewing the matter and have contacted Lead Bank directly.
I’ve also filed complaints with the OCC, CFPB, FTC, and FBI IC3. Lead Bank’s unwillingness to assist consumers impacted by their fintech partner is unacceptable and raises serious questions about their oversight and transparency.
If you value accountability and honest communication from your bank, avoid Lead Bank.