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Payday & personal loans

Optum Bank payday & personal loans complaints

Consumers have filed 40 complaints about Optum Bank's payday & personal loans, 25 in the last 12 months. Optum Bank answered 100% on time and closed 0% with relief. See the whole Optum Bank record.

Optum Bank against other personal & payday lenders

#Company12 monthsChangeOn timeReliefAll time
1Affirm2,316+167%100%0%4,371
2Paramount GR904+262%99.8%0%1,538
3OneMain Financial765+18%100%7%3,344
4Klarna652+212%94%13%1,034
5Block (Cash App)447+213%96.2%2%702
6Enova (CashNetUSA, NetCredit)434+7%100%0%2,775
7CCF Intermediate388-18%99.7%8%1,368
8Upgrade291+62%100%2%923
9Upstart276+35%99.6%2%910
10SoFi276+57%100%10%563
11Truist274+37%99.6%11%958
12Uprova Credit257+118%100%0%466
13Optum Bank25new100%0%40

Every lender ranked

Latest Optum Bank payday & personal loans complaints

ReceivedAboutIssueStateAnswerOn time
Oct 24, 2026Payday & personal loansProblem when making paymentsDEExplainedYes
Oct 22, 2026Payday & personal loansCharged fees or interest you didn't expectAZExplainedYes
Oct 12, 2026Payday & personal loansProblem with additional add-on products or servicesMAExplainedYes
Oct 6, 2026Payday & personal loansProblem with additional add-on products or servicesFLExplainedYes
Sep 28, 2026Payday & personal loansCharged fees or interest you didn't expectTXExplainedYes
Sep 25, 2026Payday & personal loansStruggling to pay your loanMSExplainedYes
Sep 18, 2026Payday & personal loansProblem when making paymentsCAExplainedYes
Sep 6, 2026Payday & personal loansGetting the loanUTExplainedYes
Aug 19, 2026Payday & personal loansCharged fees or interest you didn't expectCAExplainedYes
Aug 7, 2026Payday & personal loansProblem with additional add-on products or servicesCOExplainedYes
Jul 30, 2026Payday & personal loansGetting the loanNYExplainedYes
Jul 17, 2026Payday & personal loansCharged fees or interest you didn't expectTXExplainedYes
Jul 13, 2026Payday & personal loansProblem with additional add-on products or servicesLAExplainedYes
Jun 24, 2026Payday & personal loansCharged fees or interest you didn't expectOHExplainedYes
Jun 8, 2026Payday & personal loansProblem when making paymentsGAExplainedYes
Jun 2, 2026Payday & personal loansCharged fees or interest you didn't expectNCExplainedYes
May 27, 2026Payday & personal loansProblem when making paymentsCAExplainedYes
May 14, 2026Payday & personal loansProblem with the payoff process at the end of the loanCAExplainedYes
May 6, 2026Payday & personal loansCharged fees or interest you didn't expectILExplainedYes
Apr 8, 2026Payday & personal loansProblem with a company's investigation into an existing problemWas not notified of investigation status or resultsMSExplainedYes
Apr 6, 2026Payday & personal loansProblem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phoneMSExplainedYes
Mar 11, 2026Payday & personal loansProblem when making paymentsTXExplainedYes
Feb 18, 2026Payday & personal loansProblem when making paymentsALExplainedYes
Jan 23, 2026Payday & personal loansProblem when making paymentsALExplainedYes
Dec 12, 2025Payday & personal loansGetting the loanTXExplainedYes
Oct 10, 2025Payday & personal loansCharged fees or interest you didn't expectGAExplainedYes
Aug 24, 2025Payday & personal loansProblem when making paymentsFLExplainedYes
Aug 23, 2025Payday & personal loansGetting the loanILExplainedYes
Jul 22, 2025Payday & personal loansProblem with additional add-on products or servicesMAExplainedYes
May 22, 2025Payday & personal loansIncorrect information on your reportAccount status incorrectFLExplainedYes

Your rights with personal & payday lenders

You can revoke permission for a lender to take automatic payments from your account by telling the lender and your bank. Many states cap interest or ban payday loans altogether, and the Military Lending Act caps most loans to active-duty servicemembers and their families at 36% APR.

Scam warning: A real lender never asks for a fee up front, a gift card or a "deposit" before sending a loan. Check the lender is licensed in your state.

General information, not legal advice; rules vary by state. Plain-English guides

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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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