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Data / Consumer complaints / Optum Bank, Inc. / Prepaid card

Optum Bank, Inc.: 42 CFPB complaints about prepaid card, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Optum Bank, Inc. drew 42 consumer complaints about prepaid card in the CFPB database in the three years to November 6, 2026, 6.4% of its 660 complaints in that time. The most common issue was “Trouble using the card”. The company responded on time to 97.6% of them, and 0.0% closed with monetary or other relief.

The request: Watch Optum Bank, Inc.: each new CFPB complaint about prepaid card by issue, with the date and the company response. $10 of work on sign-up, no card.

Watch this company's complaintsGet every company for this productGet prepaid card in California

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.

  • 42Complaints, last 3 years
  • 6.4%Share of the company's complaints
  • 97.6%Responded on time
  • 0.0%Closed with relief
  • Sep 15, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20261228.6%
12 months to Nov 6, 20251331%
12 months to Nov 6, 20241740.5%

Issues

IssueComplaintsShare
Trouble using the card1638.1%
Problem getting a card or closing an account921.4%
Problem with a purchase or transfer819%
Unexpected or other fees614.3%
Advertising37.1%

How the company responded

Company responseComplaintsShare
Closed with explanation42100%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
California716.7%
New York511.9%
Wisconsin37.1%
Connecticut24.8%
Delaware24.8%
Massachusetts24.8%
North Carolina24.8%
Tennessee24.8%
Texas24.8%
Alaska12.4%
Alabama12.4%
Florida12.4%
Illinois12.4%
Indiana12.4%
Kansas12.4%
Kentucky12.4%
Louisiana12.4%
Michigan12.4%
Minnesota12.4%
Missouri12.4%
New Jersey12.4%
Oklahoma12.4%
Pennsylvania12.4%
Washington12.4%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
September 15, 2026Prepaid cardTrouble using the cardClosed with explanationconsumerfinance.gov
August 20, 2026Prepaid cardUnexpected or other feesClosed with explanationconsumerfinance.gov
August 16, 2026Prepaid cardTrouble using the cardClosed with explanationconsumerfinance.gov
August 10, 2026Prepaid cardTrouble using the cardClosed with explanationconsumerfinance.gov
May 26, 2026Prepaid cardProblem getting a card or closing an accountClosed with explanationconsumerfinance.gov
May 4, 2026Prepaid cardTrouble using the cardClosed with explanationconsumerfinance.gov
April 29, 2026Prepaid cardProblem with a purchase or transferClosed with explanationconsumerfinance.gov
March 28, 2026Prepaid cardProblem getting a card or closing an accountClosed with explanationconsumerfinance.gov
March 14, 2026Prepaid cardTrouble using the cardClosed with explanationconsumerfinance.gov
February 7, 2026Prepaid cardProblem getting a card or closing an accountClosed with explanationconsumerfinance.gov
December 20, 2025Prepaid cardProblem getting a card or closing an accountClosed with explanationconsumerfinance.gov
November 13, 2025Prepaid cardProblem with a purchase or transferClosed with explanationconsumerfinance.gov
October 29, 2025Prepaid cardProblem with a purchase or transferClosed with explanationconsumerfinance.gov
October 28, 2025Prepaid cardProblem getting a card or closing an accountClosed with explanationconsumerfinance.gov
October 22, 2025Prepaid cardTrouble using the cardClosed with explanationconsumerfinance.gov
October 10, 2025Prepaid cardUnexpected or other feesClosed with explanationconsumerfinance.gov
September 15, 2025Prepaid cardUnexpected or other feesClosed with explanationconsumerfinance.gov
August 29, 2025Prepaid cardTrouble using the cardClosed with explanationconsumerfinance.gov
July 17, 2025Prepaid cardProblem with a purchase or transferClosed with explanationconsumerfinance.gov
May 28, 2025Prepaid cardProblem with a purchase or transferClosed with explanationconsumerfinance.gov
May 17, 2025Prepaid cardProblem getting a card or closing an accountClosed with explanationconsumerfinance.gov
April 19, 2025Prepaid cardProblem with a purchase or transferClosed with explanationconsumerfinance.gov
April 15, 2025Prepaid cardProblem with a purchase or transferClosed with explanationconsumerfinance.gov
February 12, 2025Prepaid cardProblem getting a card or closing an accountClosed with explanationconsumerfinance.gov
February 11, 2025Prepaid cardTrouble using the cardClosed with explanationconsumerfinance.gov

Also on SpecStream

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.