CFPB Consumer Complaint Profile
Optum Bank, Inc.
Consumers have filed complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 799
- Total complaints
- Among the highest
- 218
- Last 12 months
- 98.1%
- Timely response
- Below median
- 49
- States affected
The verdict
By CFPB complaint volume, Optum Bank, Inc. is #381 out of 3,843 financial companies. For answering complaints on time it stands at the 48th percentile in the 100+ complaint peer group.
- Checking or savings …
- most-complained product
- CA
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Optum Bank, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.1% Around the middle higher than 48% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 193 in 2024 to 218 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2020 | 13 |
| 2021 | 49 |
| 2022 | 91 |
| 2023 | 166 |
| 2024 | 193 |
| 2025 | 218 |
| 2026year in progress | 69 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Optum Bank, Inc.
Optum Bank, Inc. draws a nationwide spread of CFPB complaints, filed by consumers in many parts of the country. The single largest complaint category is "Checking or savings account," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Managing an account" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Optum Bank, Inc. have?
The CFPB has logged 799 complaints against Optum Bank, Inc. to date, of which 218 came in over the last 12 months.
Does Optum Bank, Inc. respond to complaints on time?
Optum Bank, Inc. has a 98.1% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Optum Bank, Inc.?
"Checking or savings account" draws more CFPB complaints against Optum Bank, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Optum Bank, Inc.?
The most common issue reported by consumers about Optum Bank, Inc. is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Optum Bank, Inc.?
You can file a complaint against Optum Bank, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Optum Bank, Inc.?
The CFPB has recorded complaints against Optum Bank, Inc. from 49 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.