CFPB · Single-product concentration
Optum Bank, Inc.
872 CFPB complaints · 77.6% in "Checking or savings account" · top issue Managing an account.
Optum Bank, Inc.: 77.6% of 872 CFPB complaints sit in "Checking or savings account". Timely 98.3% · relief 1.6%. Allegations, not findings.
- Single-product concentration
- +992.3% filings 2020 to 2026
CFPB relief outcome brief
CCDB company optum-bank-inc
1.6% relief · 98.3% timely · 872 filings · Checking or savings account
Same-product relief peers
Nearest relief peer: East West Bank (1.5% relief)
Optum Bank, Inc. closes 1.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Optum Bank, Inc.'s 872 filings include narrative text
53% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Optum Bank, Inc. complaint mix by product
- Checking or 677 78.2% – 2% relief
- Money transfer, 60 6.9% – 2% relief
- Prepaid card 44 5.1% – 0% relief
- Payday loan, 27 3.1% – 0% relief
- Credit card 25 2.9% – 4% relief
- Credit card 18 2.1% – 0% relief
- Debt collection 15 1.7% – 7% relief
How Optum Bank, Inc.'s 872 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Checking or savings account | 677 |
| Money transfer, virtual currency, or money service | 60 |
| Prepaid card | 44 |
| Payday loan, title loan, personal loan, or advance loan | 27 |
| Credit card or prepaid card | 25 |
| Credit card | 18 |
| Debt collection | 15 |
| Credit reporting or other personal consumer reports | 5 |
| Debt or credit management | 1 |
Nationwide filing states for Optum Bank, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 11.5% of this company's filings
Optum Bank, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 142
- +992.3% vs 2020
Top States
| State | Complaints |
|---|---|
| CA | 100 |
| TX | 86 |
| NY | 53 |
| FL | 47 |
| IL | 44 |
| CO | 41 |
| MD | 40 |
| AZ | 35 |
| GA | 35 |
| MN | 31 |
| WA | 27 |
| NC | 27 |
| NJ | 23 |
| OH | 21 |
| VA | 21 |
| WI | 21 |
| CT | 18 |
| IN | 17 |
| MA | 17 |
| PA | 16 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 517 |
| Closing an account | 93 |
| Problem with a lender or other company charging your account | 35 |
| Other transaction problem | 28 |
| Problem caused by your funds being low | 19 |
| Trouble using the card | 18 |
| Problem with a purchase or transfer | 17 |
| Money was not available when promised | 13 |
| Problem with a purchase shown on your statement | 12 |
| Problem getting a card or closing an account | 12 |
| Opening an account | 11 |
| Unexpected or other fees | 9 |
| Problem when making payments | 8 |
| Attempts to collect debt not owed | 8 |
| Getting the loan | 8 |
| Trouble using your card | 6 |
| Charged fees or interest you didn't expect | 5 |
| Other service problem | 5 |
| Incorrect information on your report | 5 |
| Other features, terms, or problems | 5 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2020 | 13 | 100% |
| 2021 | 49 | 100% |
| 2022 | 91 | 98.9% |
| 2023 | 166 | 99.4% |
| 2024 | 193 | 98.4% |
| 2025 | 218 | 95.4% |
| 2026 | 142 | 100% |
Source: CFPB Consumer Complaint Database
Optum Bank, Inc. filings cluster in one product
Optum Bank, Inc.'s 872 logged complaints reach a nationwide footprint - 49 states have at least one filing. 53% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2020 through 2026-06-24.
Optum Bank, Inc. answers 98.3% of complaints inside the CFPB's tracked window and closes 97.6% with a written explanation. 1.6% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Checking or savings account" draws the most filings, most often for "Managing an account."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Optum Bank, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Optum Bank, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 872.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.3%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Optum Bank, Inc. (98.3% timely; 1.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration