Optum Bank, Inc. Consumer Complaints
Optum Bank, Inc. has received 854 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Jun 1, 2026Key Takeaways
- 854 total complaints on file with the CFPB.
- Most complaints are about Checking or savings account (667).
- Timely response rate: 98.2%.
- Consumer disputed rate: 0.0% of resolved complaints.
Complaints by Product
The following table shows how complaints against Optum Bank, Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Checking or savings account | 667 | 78.1% |
| Money transfer, virtual currency, or money service | 59 | 6.9% |
| Prepaid card | 44 | 5.2% |
| Credit card or prepaid card | 25 | 2.9% |
| Payday loan, title loan, personal loan, or advance loan | 22 | 2.6% |
| Credit card | 18 | 2.1% |
| Debt collection | 14 | 1.6% |
| Credit reporting or other personal consumer reports | 4 | 0.5% |
| Debt or credit management | 1 | 0.1% |
Most Common Issues
These are the specific issues consumers most frequently report about Optum Bank, Inc..
Company Response Breakdown
When consumers file complaints, Optum Bank, Inc. responds in one of several ways. The breakdown below shows how Optum Bank, Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 840 | 98.4% |
| Closed with monetary relief | 14 | 1.6% |
Complaints by State
Top states where consumers have filed complaints against Optum Bank, Inc..
| State | Complaints |
|---|---|
| California | 96 |
| Texas | 84 |
| New York | 52 |
| Florida | 46 |
| Illinois | 44 |
| Colorado | 41 |
| Maryland | 40 |
| Arizona | 34 |
| Georgia | 34 |
| Minnesota | 31 |
| Washington | 27 |
| North Carolina | 25 |
| New Jersey | 23 |
| Wisconsin | 21 |
| Ohio | 20 |
| Virginia | 20 |
| Connecticut | 18 |
| Indiana | 17 |
| Massachusetts | 17 |
| Michigan | 14 |
Your Rights
What to do if you have a complaint against Optum Bank, Inc.
- Contact Optum Bank, Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Optum Bank, Inc. have?
Optum Bank, Inc. has 854 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Optum Bank, Inc.?
The most common issue reported is Managing an account with 509 complaints.
-
How do I file a complaint against Optum Bank, Inc.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Optum Bank, Inc. respond to complaints on time?
Optum Bank, Inc. has a 98.2% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed June 2026.