2026 data Public-data reference Official source

Optum Bank, Inc.

872 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

PlainComplaint home → About this data
872
Total Complaints
98.3%
Timely Response
0%
Disputed
1.6%
Relief Provided
49
States Active
2020
Since

Data updated June 2026

Timely response rate 98.3%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 1.6%
Industry median

Share closed with monetary or non-monetary relief.

Optum Bank, Inc. complaint mix by product

Total complaints: 872

Optum Bank, Inc. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 872 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Checking or: 677 complaints (78.2%), resolution 1.6% Checking or 78.2% Money transfer,: 60 complaints (6.9%), resolution 1.7% Money transfer, 6.9% Prepaid card: 44 complaints (5.1%), resolution 0.0% Payday loan,: 27 complaints (3.1%), resolution 0.0% Credit card: 25 complaints (2.9%), resolution 4.0% Credit card: 18 complaints (2.1%), resolution 0.0% Debt collection: 15 complaints (1.7%), resolution 6.7%
  • 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

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 CFPB Consumer Complaint Database

What the CFPB Record Shows About Optum Bank, Inc.

Optum Bank, Inc.'s 872 logged complaints reach a nationwide footprint - 49 states have at least one filing on record. 53% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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..

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.

Frequently Asked Questions

How many CFPB complaints does Optum Bank, Inc. have?

872, per the CFPB's public complaint count for this company (see the full breakdown above).

Does Optum Bank, Inc. respond to complaints on time?

98.3% of the time, measured against the CFPB's 15-calendar-day response window.

What is the most common complaint about Optum Bank, Inc.?

"Managing an account", filed under the "Checking or savings account" category - see the issues and products tables above for the full ranking.

Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.