Bank · complaint record
Optum Bank complaints
Filed under OPTUM BANK, INC.
Consumers have filed 958 complaints about Optum Bank since 2020, 256 of them in the last 12 months (+21% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical bank. The most common problem is managing an account. It is the 33rd most complained-about of 188 banks & credit unions this year.
Average response record. How it works
- Complaints on record
- 958
- Last 12 months
- 256
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 15
- Rank
- #33 of 188
Since May 2020
+21% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Nov 3, 2026
Most complained-about banks & credit unions
Optum Bank complaints by month
The busiest month was February 2026 (34 complaints). Complaints in the last 12 months are up 21% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Optum Bank answered last 12 months
- Closed with explanation25097.7%
- In progress62.3%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend8/15+21% vs last year
What Optum Bank complaints are about
Top Optum Bank problems last 12 months
Inside "Managing an account"
- Funds not handled or disbursed as instructed 175
- Deposits and withdrawals 112
- Problem accessing account 101
- Problem using a debit or ATM card 44
- Fee problem 43
- Problem making or receiving payments 42
Where Optum Bank complaints come from
Most complaints: California (108), Texas (95), New York (59), Florida (52), Illinois (48).
Optum Bank compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Mountain America Federal Credit UnionBank accounts | 72 | 281 | B |
| 2 | Alliant Credit UnionBank accounts | 60 | 275 | C |
| 3 | AlbertBank accounts | 45 | 274 | D |
| 4 | Golden 1 Credit UnionBank accounts | 50 | 267 | C |
| 5 | Boeing Employees' Credit UnionBank accounts | 43 | 267 | D |
| 6 | Optum BankBank accounts | 53 | 256 | C |
| 7 | Webster BankBank accounts | 54 | 249 | C |
| 8 | First Horizon BankBank accounts | 73 | 240 | B |
Compare side by side: Optum Bank vs Mountain America Federal Credit Union · Optum Bank vs Alliant Credit Union · Optum Bank vs Albert · Optum Bank vs Golden 1 Credit Union
What people say about Optum Bank
All experiencesNo experiences with Optum Bank yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Optum Bank complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 3, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Nov 3, 2026 | Bank accounts | Closing an accountCan't close your account | Explained |
| Oct 30, 2026 | Bank accounts | Managing an accountBanking errors | Explained |
| Oct 30, 2026 | Bank accounts | Managing an accountFunds not handled or disbursed as instructed | Explained |
| Oct 28, 2026 | Bank accounts | Managing an accountFee problem | In progress |
| Oct 28, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | In progress |
| Oct 27, 2026 | Money transfers & apps | Lost or stolen money order | Explained |
| Oct 27, 2026 | Bank accounts | Managing an accountProblem accessing account | Explained |
| Oct 24, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Oct 22, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Oct 22, 2026 | Bank accounts | Managing an accountFunds not handled or disbursed as instructed | Explained |
| Oct 22, 2026 | Bank accounts | Managing an accountProblem making or receiving payments | Explained |
Questions about Optum Bank
How many complaints does Optum Bank have?
Optum Bank has 958 complaints on record since May 2020, including 256 in the last 12 months and 15 in the last 30 days. That makes it number 289 of every company by complaints this year.
Does Optum Bank respond to complaints?
Yes. Optum Bank answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 53/100 (grade C).
What do people complain about most with Optum Bank?
The most common problems are managing an account (560), closing an account (101), problem with a lender or other company charging your account (39).
Is Optum Bank legit?
Optum Bank is a real company with a public complaint record: consumers have complained about it 958 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Optum Bank legit? for the signals, red flags and how to protect yourself.
Are complaints about Optum Bank going up or down?
Up. There were 256 complaints in the last 12 months against 211 in the 12 before (+21%). See every month.
How do I file a complaint against Optum Bank?
Complain to Optum Bank in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Optum Bank complaints come from?
Most come from California (108), Texas (95), New York (59). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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