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..
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- 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.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 220 |
| 2025 | 218 |
| 2024 | 193 |
| 2023 | 166 |
| 2022 | 91 |
| 2021 | 49 |
| 2020 | 13 |
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.
| Product | Complaints | Share |
|---|---|---|
| Checking or savings account | 502 | 76.1% |
| Prepaid card | 42 | 6.4% |
| Payday loan, title loan, personal loan, or advance loan | 40 | 6.1% |
| Money transfer, virtual currency, or money service | 37 | 5.6% |
| Credit card | 20 | 3% |
| Debt collection | 11 | 1.7% |
| Credit reporting or other personal consumer reports | 7 | 1.1% |
| Debt or credit management | 1 | 0.2% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Managing an account | 397 | 60.2% |
| Closing an account | 59 | 8.9% |
| Problem with a lender or other company charging your account | 28 | 4.2% |
| Trouble using the card | 16 | 2.4% |
| Other transaction problem | 14 | 2.1% |
| Money was not available when promised | 13 | 2% |
| Problem caused by your funds being low | 12 | 1.8% |
| Getting the loan | 10 | 1.5% |
| Problem when making payments | 10 | 1.5% |
| Charged fees or interest you didn't expect | 9 | 1.4% |
| Problem getting a card or closing an account | 9 | 1.4% |
| Problem with a purchase shown on your statement | 9 | 1.4% |
| Unexpected or other fees | 9 | 1.4% |
| Problem with a purchase or transfer | 8 | 1.2% |
| Attempts to collect debt not owed | 6 | 0.9% |
| Incorrect information on your report | 6 | 0.9% |
| Problem with a company's investigation into an existing problem | 5 | 0.8% |
| Problem with additional add-on products or services | 5 | 0.8% |
| Trouble using your card | 5 | 0.8% |
| Opening an account | 4 | 0.6% |
| Advertising | 3 | 0.5% |
| False statements or representation | 3 | 0.5% |
| Closing your account | 2 | 0.3% |
| Lost or stolen money order | 2 | 0.3% |
| Other service problem | 2 | 0.3% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 655 | 99.2% |
| In progress | 5 | 0.8% |
States
| State | Complaints | Share |
|---|---|---|
| California | 75 | 11.4% |
| Texas | 62 | 9.4% |
| New York | 46 | 7% |
| Florida | 39 | 5.9% |
| Illinois | 37 | 5.6% |
| Maryland | 29 | 4.4% |
| North Carolina | 25 | 3.8% |
| Minnesota | 24 | 3.6% |
| Colorado | 23 | 3.5% |
| Georgia | 23 | 3.5% |
| Arizona | 22 | 3.3% |
| Washington | 18 | 2.7% |
| Connecticut | 17 | 2.6% |
| New Jersey | 17 | 2.6% |
| Ohio | 17 | 2.6% |
| Massachusetts | 16 | 2.4% |
| Tennessee | 15 | 2.3% |
| Virginia | 15 | 2.3% |
| Wisconsin | 15 | 2.3% |
| Pennsylvania | 12 | 1.8% |
| Indiana | 9 | 1.4% |
| Missouri | 9 | 1.4% |
| Alabama | 7 | 1.1% |
| Kansas | 7 | 1.1% |
| Oregon | 7 | 1.1% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 27, 2026 | Money transfer, virtual currency, or money service | Lost or stolen money order | Closed with explanation | consumerfinance.gov |
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 22, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 22, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| October 22, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| October 21, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| October 20, 2026 | Checking or savings account | Managing an account | In progress | consumerfinance.gov |
| October 20, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| October 16, 2026 | Checking or savings account | Managing an account | In progress | consumerfinance.gov |
| October 14, 2026 | Checking or savings account | Managing an account | In progress | consumerfinance.gov |
| October 13, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| October 12, 2026 | Checking or savings account | Managing an account | In progress | consumerfinance.gov |
| October 12, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| October 12, 2026 | Money transfer, virtual currency, or money service | Money was not available when promised | Closed with explanation | consumerfinance.gov |
| October 12, 2026 | Checking or savings account | Problem with a lender or other company charging your account | Closed with explanation | consumerfinance.gov |
| October 9, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| October 8, 2026 | Credit card | Problem with a purchase shown on your statement | Closed with explanation | consumerfinance.gov |
| October 6, 2026 | Credit card | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| October 6, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| October 2, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| October 1, 2026 | Checking or savings account | Managing an account | In progress | consumerfinance.gov |
| October 1, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| September 29, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| September 28, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| September 28, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| September 18, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| September 17, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| September 16, 2026 | Checking or savings account | Closing an account | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Prepaid card | Trouble using the card | Closed with explanation | consumerfinance.gov |
| September 14, 2026 | Checking or savings account | Closing an account | Closed with explanation | consumerfinance.gov |
| September 10, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| September 6, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| September 4, 2026 | Checking or savings account | Problem with a lender or other company charging your account | Closed with explanation | consumerfinance.gov |
| September 1, 2026 | Money transfer, virtual currency, or money service | Money was not available when promised | Closed with explanation | consumerfinance.gov |
| August 31, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| August 27, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| August 26, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| August 25, 2026 | Checking or savings account | Closing an account | Closed with explanation | consumerfinance.gov |
| August 24, 2026 | Checking or savings account | Problem with a lender or other company charging your account | Closed with explanation | consumerfinance.gov |
| August 22, 2026 | Checking or savings account | Closing an account | Closed with explanation | consumerfinance.gov |
| August 20, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| August 20, 2026 | Prepaid card | Unexpected or other fees | Closed with explanation | consumerfinance.gov |
| August 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 18, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| August 17, 2026 | Credit card | Trouble using your card | Closed with explanation | consumerfinance.gov |
| August 16, 2026 | Prepaid card | Trouble using the card | Closed with explanation | consumerfinance.gov |
| August 15, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| August 11, 2026 | Checking or savings account | Managing an account | Closed with explanation | consumerfinance.gov |
| August 10, 2026 | Prepaid card | Trouble using the card | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Checking or savings account complaints
- Every company with Prepaid card complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Every company with Money transfer, virtual currency, or money service complaints
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- All consumer complaints
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.