Total CFPB complaints
14
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 14 complaints
OPTUM BANK, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about OPTUM BANK, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- False statements or representation
False statements or representation
4 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
- Problem with customer service 1
Problem with customer service
1 complaints
C
Grade C · 61.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about OPTUM BANK, INC.?
OPTUM BANK, INC. has accumulated 14 total CFPB complaints across 7 states, with 2 filed in the most recent 12 months against 12 historical complaints before that window. The trailing-12-month volume represents 14.3% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 7 states, led by Florida with 3 and Washington with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.0/100 places OPTUM BANK, INC. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
14.3% of total history
Falling ↓
States active
7
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Reputation grade
C
61.0/100 composite
Response-quality profile
How OPTUM BANK, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 92.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does OPTUM BANK, INC. compare to its peers?
OPTUM BANK, INC. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2021-04 2025-05
Top Consumer Issues
Attempts to collect debt not owed7 (%)
False statements or representation4 (%)
Written notification about debt2 (%)
Problem with customer service1 (%)
Most common issue: Attempts to collect debt not owed — Debt was paid
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt was paid | 7 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Problem with customer service | — | 1 |
Where do complaints against OPTUM BANK, INC. come from?
The states where consumers have filed the most CFPB complaints against OPTUM BANK, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against OPTUM BANK, INC.
Across 7 states with at least one filing
- Florida
Florida
3 complaints
- Washington
Washington
3 complaints
- Texas
Texas
2 complaints
- Minnesota
Minnesota
2 complaints
- Georgia 1
Georgia
1 complaints
- Illinois 1
Illinois
1 complaints
- Wisconsin 1
Wisconsin
1 complaints
Frequently Asked Questions
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 14 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: 61.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if OPTUM BANK, INC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If OPTUM BANK, INC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |