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Data / Consumer complaints / Optum Bank, Inc.

Optum Bank, Inc.: 660 CFPB consumer complaints in the last 3 years

Optum Bank, Inc. drew 660 consumer complaints in the CFPB database in the three years to November 6, 2026, and 950 since 2020. The largest group, 502, was about checking or savings account, and the most common issue was “Managing an account” with 397. The company responded on time to 97.9% of the complaints, and 0.0% closed with monetary or other relief. The CFPB records the company as OPTUM BANK, INC..

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 660Complaints, last 3 years
  • 950Complaints, all years
  • 97.9%Responded on time
  • 0.0%Closed with relief
  • 8Products
  • Oct 27, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 6220
2025218
2024193
2023166
202291
202149
202013

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Issues

IssueComplaintsShare
Managing an account39760.2%
Closing an account598.9%
Problem with a lender or other company charging your account284.2%
Trouble using the card162.4%
Other transaction problem142.1%
Money was not available when promised132%
Problem caused by your funds being low121.8%
Getting the loan101.5%
Problem when making payments101.5%
Charged fees or interest you didn't expect91.4%
Problem getting a card or closing an account91.4%
Problem with a purchase shown on your statement91.4%
Unexpected or other fees91.4%
Problem with a purchase or transfer81.2%
Attempts to collect debt not owed60.9%
Incorrect information on your report60.9%
Problem with a company's investigation into an existing problem50.8%
Problem with additional add-on products or services50.8%
Trouble using your card50.8%
Opening an account40.6%
Advertising30.5%
False statements or representation30.5%
Closing your account20.3%
Lost or stolen money order20.3%
Other service problem20.3%

How the company responded

Company responseComplaintsShare
Closed with explanation65599.2%
In progress50.8%

States

StateComplaintsShare
California7511.4%
Texas629.4%
New York467%
Florida395.9%
Illinois375.6%
Maryland294.4%
North Carolina253.8%
Minnesota243.6%
Colorado233.5%
Georgia233.5%
Arizona223.3%
Washington182.7%
Connecticut172.6%
New Jersey172.6%
Ohio172.6%
Massachusetts162.4%
Tennessee152.3%
Virginia152.3%
Wisconsin152.3%
Pennsylvania121.8%
Indiana91.4%
Missouri91.4%
Alabama71.1%
Kansas71.1%
Oregon71.1%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 27, 2026Money transfer, virtual currency, or money serviceLost or stolen money orderClosed with explanationconsumerfinance.gov
October 24, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 22, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 22, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 22, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 21, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 20, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
October 20, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 16, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
October 14, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
October 13, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 12, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
October 12, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
October 12, 2026Money transfer, virtual currency, or money serviceMoney was not available when promisedClosed with explanationconsumerfinance.gov
October 12, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
October 9, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 8, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
October 6, 2026Credit cardProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 6, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
October 2, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 1, 2026Checking or savings accountManaging an accountIn progressconsumerfinance.gov
October 1, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
September 29, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
September 28, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
September 28, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 25, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 18, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
September 17, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
September 16, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
September 15, 2026Prepaid cardTrouble using the cardClosed with explanationconsumerfinance.gov
September 14, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
September 10, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
September 6, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
September 4, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
September 1, 2026Money transfer, virtual currency, or money serviceMoney was not available when promisedClosed with explanationconsumerfinance.gov
August 31, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
August 27, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
August 26, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
August 25, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
August 24, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
August 22, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
August 20, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
August 20, 2026Prepaid cardUnexpected or other feesClosed with explanationconsumerfinance.gov
August 19, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 18, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
August 17, 2026Credit cardTrouble using your cardClosed with explanationconsumerfinance.gov
August 16, 2026Prepaid cardTrouble using the cardClosed with explanationconsumerfinance.gov
August 15, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
August 11, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
August 10, 2026Prepaid cardTrouble using the cardClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.