CFPB Consumer Complaint Profile
Optum Bank, Inc.
Consumers have filed 799 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 799
- Total complaints
- 218
- Last 12 months
- 98.1%
- Timely response
- 49
- States affected
The verdict
799 CFPB complaints put Optum Bank, Inc. at #381 out of 3,848 financial companies ranked by complaint volume. 98.1% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #381
- of 3,848 companies by volume
- 98.1%
- answered on time
- Checking or savings …
- most-complained product
- 49
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2020 | 13 |
| 2021 | 49 |
| 2022 | 91 |
| 2023 | 166 |
| 2024 | 193 |
| 2025 | 218 |
| 2026 | 69 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Optum Bank, Inc.
Optum Bank, Inc. carries 799 complaints in the CFPB's database, 218 of them filed within the past 12 months. Consumers spanning 49 states and territories have weighed in, giving this a nationwide footprint. 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.
98.1% of CFPB-forwarded complaints against Optum Bank, Inc. get a reply inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. 1.8% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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.
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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~799)
Also handles Checking or savings account
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.