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

The most common issue consumers report about Optum Bank, Inc. is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 15 complaints filed with the CFPB.

Are complaints against Optum Bank, Inc. increasing or decreasing?

Complaints against Optum Bank, Inc. are falling. The company received 2 complaints in the last 12 months, showing improvement over prior periods.

What is Optum Bank, Inc.'s reputation grade?

Optum Bank, Inc. has a reputation grade of C (score: 56.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Optum Bank, Inc. respond to consumer complaints?

Optum Bank, Inc. has a 93% timely response rate to CFPB complaints.

In how many states does Optum Bank, Inc. operate?

Optum Bank, Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from Florida (3 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Optum Bank, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

8
False statements or representation

4
Written notification about debt

2
Took or threatened to take negative or legal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record optum-bank-inc Optum Bank, Inc.

Grade C · 15 CFPB filings · 93% timely · lead issue: Attempts to collect debt not owed · vol #2158 · compose #3040

VOL 15
GRADE C
12MO 2
STATES 7
TIMELY 93%
ISSUE Attempts to collect debt n…
RANK #2,158
COMPOSE #3,040

Volume peers

Nearest volume peer: Accounts Advocate Agency (15 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Optum Bank, Inc.'s 15 CFPB complaints sit next to Accounts Advocate Agency on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Spiky monthly series

Florida is the plurality state for Optum Bank, Inc. (20.0%)

The 2016-01 spike coincides with a 882-place gap between volume rank #2,158 and composite #3,040. Corpus placement method.

Plurality state: Florida 20.0%; Mid-band (15–30%) · 7 states with ≥1 filing
Spike month: 2016-01 66.7%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,158 volume; #3,040 composite; Cleanest-composite ladder is 882 places worse than volume

How does Optum Bank, Inc. compare to its peers?

How does OPTUM BANK, INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

OPTUM BANK, INC. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

93%

79%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-01 2016-07

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	8
False statements or representation	4
Written notification about debt	2
Took or threatened to take negative or legal action	1

Where do complaints against Optum Bank, Inc. come from?

Optum Bank, Inc.'s own per-state count, not a national baseline.

Florida

3
Texas

3
Washington

3
Minnesota

2
California

1
Georgia

1
Wisconsin

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Optum Bank, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 15.

4 peers

Know your rights before responding to Optum Bank, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.