OPTUM BANK, INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/19/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	CA 91001	Web
In XXXX XXXX I discovered that my Optum HSA debit card had been stolen in XXXX. I was unaware that it was stolen sooner, as I wasn't aware it was in my wallet that was stolen because we had deliberately stopped using the account, as we decided to permit the funds in the HSA to accumulate for use later in life. As we did not use the account at all, we did not regularly check the account. As soon as I was aware of the issue, I immediately contacted Optum. While Optum initially provided a credit for most (possibly all?) of the charges, they reversed the credits for a large number of the charges. As Optum sent more than a hundred separate letters during the process (opening dozens and dozens of different ostensible investigations), it is difficult to calculate the total of credits reversed, but it appears to be in excess of $XXXX in funds stolen from the account that were not returned. Optum's form letter give little in the way of explanation and there is not a clear pattern on charges that were and were not returned. I am asking that ALL credits for the stolen funds be re-credited to the HSA account. Optum utterly failed to protect me as a consumer by failing to have a process in place that would have identified very obvious fraud on the account. Instead, Optum ignored all red flags and allowed the account to be completely looted. The withdrawals from the account were a blatant departure from past use that should have been a warning to Optum. That should have been further enhanced by the fact that the withdrawals were from a different account than where I live. And the nature of the payments should have made it clear to anyone giving it a cursory glance that the charges were improper: This was an HSA account for medical expenses, and so many of the expense were obviously not medical expenses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and so forth and so on--including cash withdrawals. Any remote oversight over the activity would have stopped the fraud. Moreover, by designing the debit card to process through XXXX XXXX rather than through the debit system, Optum removed the protection a PIN would have provided to stop the fraudulent transactions. Optum should make good on ALL of the funds that were stolen from the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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12/07/2023	Yes	Checking or savings account Other banking product or service	Closing an account Fees charged for closing account	NJ 07302	Web
After many years of holding an XXXX with Optum Bank, I decided to switch XXXX from Optum to my new ( employer-sponsored ) bank, XXXX. Before making the switch, I wanted to move the remaining {$49.00} out of my Optum Bank XXXX. I called Optum on XX/XX/XXXX at XXXX ( Optum Call reference # XXXX ) and was walked through the process by a phone agent, who suggested I should simply do the transfer online. I was notified about expected processing times for the transfer, but I was never notified about any bank transfer fees that would be incurred as a result of such a transfer. I only realized that I had been charged a ridiculous {$20.00} transfer fee out of that {$49.00} ( XXXX 40 % ) when I checked my XXXX XXXX account activity for XXXX and saw that only {$29.00} had been transferred. Confused, I called Optum and was told by an agent and then supervisorthat I had been charged {$20.00} for the transfer. When I challenged them about the hidden fee, I was told that the fee disclosure could be found on Optums website online and, since my account had already been closed, nothing more could be done. To make sure I hadnt missed something so important and obvious during this transfer process, I XXXX Optum Bank XXXX transfer ( like any reasonable person would ). The following websites/ forms displayed as the top search results : Managing a health savings account ( HSA ) ( optumbank.com ) XXXX ( optumbank.com ) As you can see from the websites, there is absolutely no mention whatsoever of any transfer fees. I logged into my Optum Bank account and checked for possible tabs or links that I may have missed within my account dashboard, but again I couldnt find any. I called Optum Bank several more times over the next few weeks and was essentially strung along, wasting countless hours with no meaningful resolution. Several agents and supervisors told me completely different things, supposedly submitted multiple complaints on my behalf, and supposedly escalated the issue. I was later told by subsequent agents that some of these supervisors were, in fact, NOT supervisors. I must have made at least a dozen phone calls to Optum between XXXX and XX/XX/XXXX. All these calls should be recorded ( as any registered bank should keep such phone records for auditing purposes ), but I dont know if Optum Bank keeps such records. It seemed that the most valuable, effective, and efficient phone call was the second-to-last one I had on XXXX XXXX at XXXX where the agent finally directed me to email XXXX rather than wasting any more of my time with the ineffective customer service. I received an email this morning from their customer care to click on a link, create an account, and then have access to the message- which seems like an extremely cumbersome and risky ( in terms of cybersecurity ) way to communicate with their customers. They don't even have a secure message center when you log into your online account, which pretty much every single bank has nowadays. I read the email, which stated " Due to the nature of your question, it would be best to assist with your request over the phone. Please call our Customer Care line at XXXX and a representative will be happy to assist. The reference number for this request is XXXX. '' I tried that number, and it was the same old Optum customer service number that I had called at least a dozen times over the previous XXXX months - and just another agent with no clue about my case other than stating, " there is nothing we can do because your account is closed. '' The bank had given me the run-around, this time via email, for the last time. It is clear that they have absolutely no intention on adequately addressing or resolving my case and lack any sort of competent management that should - but couldn't - even handle any of my numerous phone calls or email. For a bank that has no physical branches anywhere - and hence relies solely on phone and email communication for service - this should be completely inexcusable. Therefore, I would like to formally list the following complaints against Optum Bank and request reimbursement for the {$20.00} hidden fee as well as a written apology from this bank for wasting my countless hours, blatantly lying to me, and essentially stringing me along for XXXX months with no adequate resolution over what should have been a simple issue so that this NEVER happens to any other customer : XXXX. Complete failure to disclose an XXXX transfer fee by their phone agent on XX/XX/XXXX when I asked about doing an XXXX transfer over the phone. By comparison, when I recently transferred retirement savings b/w XXXX other accounts, I was notified right away by the customer service agent via phone that a {$25.00} fee would be incurred. No such notification from Optum Bank, which is beyond unprofessional. It seems to violate bank transparency law. XXXX. Related to the above, the website and account management both do an inadequate job of notifying customers about this XXXX transfer fee as well. I couldn't find it. Unrelated but also important, some of the basic online banking functions, account deposit and withdrawal, were both inadequate and malfunctioning at important times late in XXXX which should be unacceptable for an institution with no physical branches that relies solely on online banking. I detailed exactly what transpired in XXXX during one of my phone calls with them and I hope they possess that phone record b/c it's just too much info for this complaint and a bit out of scope - but still important to note. XXXX. Optum customer service has been completely abysmal. Totally unreliable and the worst bank customer service I've ever experienced in my life. I would argue that it's virtually non-existent, with no chance of the customer being able to reach Optum supervisors or management to resolve an issue. Ever since I was erroneously charged a monthly account maintenance fee of {$2.00} late last year, even though I met the minimum balance requirement to avoid such a fee at the time ( again I dont wish to spend any more time on the matter here but it should be on several phone call records I had with them late last year as well ), I have been given so many explanations by so many different agents for so many issuesthat I cant trust anything that Optum customer service tells me anymore. They would rather waste the customer 's valuable personal time by giving him/her the run-around rather than coming to an efficient and effective resolution to a matter that should be intuitively obvious. Total lack of supervision / management at this bank. The bank clearly has not trained its staff about disclosing hidden fees, does not adequately document such fees on its website, and now it wants to avoid accountability for the egregious lack of transparency. And based on all the online reviews/complaints about this bank, it looks like I'm FAR from alone! I hope this Division can research this matter a bit and take my complaint and notes into consideration. This XXXX transfer fee was such a hidden fee, and I feel I was basically robbed of some of my money while subsequently enduring an inexcusable lengthy process- with no adequate resolution.
02/11/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	VA XXXXX	Web
I am writing you in regard to a bill that is claimed to be outstanding. For your information, I have a high deductible health plan ( HDHP ) and a health savings account ( HSA ) with Optumbank. I received a bill from XXXX XXXX for {$340.00} sometime in XX/XX/XXXX. I paid the bill on XX/XX/XXXX, using Optumbank. The payment confirmation number is XXXX. Around XX/XX/XXXX, I received another bill from XXXX XXXX for the same amount. I contacted XXXX customer service sometime in XX/XX/XXXX. I informed them I already paid. They claimed they did not receive payment. Around this same time in XX/XX/XXXX, I reviewed my Optumbank account and noted that the money {$340.00} left my Optumbank account bank in XX/XX/XXXX. I contacted Optumbank. Optumbank confirmed the payment went out to XXXX XXXX and that the payment was processed. The money in the amount of {$340.00} is no longer in my Optum bank account. I obtained a copy of the payment confirmation via email. In XX/XX/XXXX, I provided XXXX XXXX billing department with a copy of the confirmation of payment by mail. This included the transaction date, transaction amount of {$340.00}, and the transaction confirmation number of XXXX. This also included a contact number for Optumbank for Optumbank to provide more information for locating payment at XXXX. In the end of XX/XX/XXXX, I received another bill from XXXX XXXX claiming that I still owe the same amount of {$340.00} for the same service date. On XX/XX/XXXX, I once again sent proof of payment to XXXX XXXX XXXX Department. This includes the transaction date, transaction amount of {$340.00}, and the transaction confirmation number of XXXX. This also included a contact number for Optumbank for Optumbank to provide more information for locating payment at XXXX. On XX/XX/XXXX, I contacted Optum Bank again. They once again confirmed that I paid XXXX XXXX {$340.00} on XX/XX/XXXX. They sent me confirmation of payment via email. This includes the transaction date, transaction amount of {$340.00}, and the transaction confirmation number of XXXX. This also included a contact number for Optumbank for Optumbank to provide more information for locating payment at XXXX. I asked them if there was anything else they could give me to show proof of payment. They said this confirmation information was all they could give me. On or about XX/XX/XXXX, I received an email confirmation of the same payment. This includes the transaction date, transaction amount of {$340.00}, and the transaction confirmation number of XXXX. This also included a contact number for Optumbank for Optumbank to provide more information for locating payment at XXXX. On XX/XX/XXXX, I am sent the same payment confirmation that was provided by Optum Bank yet again. This includes the transaction date, transaction amount of {$340.00}, and the transaction confirmation number of XXXX. Please find a copy of the payment confirmation attached to this letter. On XX/XX/XXXX, at approximately XXXX am Eastern time, I called XXXX XXXX XXXX Department. I informed XXXX XXXX XXXX Department that I paid the alleged outstanding bill of {$340.00} back in XX/XX/XXXX. I told them I also sent XXXX letters containing the payment confirmation from Optumbank. They hung up on me. At this point I do not know which entity is at fault. Optumbank claims they transferred the money and deducted from my account. Optumbank claims the only proof they can give me of payment is the information they provided by email with the transaction date, transaction amount and confirmation. XXXX XXXX XXXX Department claims I never paid the bill and that I never contacted them. However, I contacted them twice by phone and now three times by letter showing proof of payment. I think I have exhausted all attempts at administrative remedies and no further phone calls or showing of proof of payment will make a difference. All I know is I am out of {$340.00} from my XXXX account and now XXXX XXXX is threatening to send my alleged unpaid bill to collections so it can affect my credit history. Someone has {$340.00} of my money, and I am without wherewithal to find where my money went. Please help. I think I have done everything I can to rectify this situation but neither Optumbank nor XXXX XXXX XXXX Department are willing to help me. I dont know what to do anymore. Thank you
02/17/2023	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	GA 30316	Web
XXXX XXXX XXXX XXXX Optum Financial sent my XXXX funds to the wrong XXXX trustee and my {$6200.00} is in banking limbo and Optum isn't taking any initiative to make it right. XX/XX/XXXX : request initiated through XXXX to XXXX transfer funds and close my XXXX account with Optum Financial ( Optum ). XX/XX/XXXX : Optum dashboard indicates that {$6200.00} was transferred out of my account and account closed. XX/XX/XXXX : Funds not received by XXXX, contacted Optum to determine status. At this time we learned that the funds were sent XX/XX/XXXX so still well within standard transfer timing. XXXX XXXX : Funds still not received by XXXX so a XXXX representative joined me on the line to gather more information and requested a copy of the check and routing details to determine whereabouts of the funds. XX/XX/XXXX : Optum email me a copy of the check and transfer information. At this point I learn that Optum sent the funds to XXXX XXXX ( XXXX ) based on a transfer request form dated XX/XX/XXXX. XX/XX/XXXX : I called XXXX to see what happened to the funds. At this time I was told the check was received but had been flagged in their system as not having an active account to apply to toward. I requested that the check be sent to XXXX and the XXXX customer service person created a case # and told me the request would be initiated within 3-5 business days. XX/XX/XXXX ( # XXXX ) : Call XXXX to determine the status of the request as the XXXX funds are still not in my account with XXXX. XXXX customer service tells me the check was marked returned in their system on XX/XX/XXXX. XXXX Rep sounds unsure but tells me this means it was returned to me because that what returned means in their system. XX/XX/XXXX ( # XXXX ) : I email XXXX to make sure this is okay because I know that once XXXX funds are out of an account the 60 day clock starts ticking before the IRS treats the funds as income and charges an early withdrawal penalty. XXXX tells me I need a letter from XXXX explaining the circumstances to cover my bases but otherwise shouldn't be a problem. XX/XX/XXXX ( # XXXX ) : Call XXXX again to request a letter detailing why the funds were mailed to me but the XXXX Rep couldn't tell me where the check was returned to or why but surmised it actually went to Optum. XXXX XXXX created another case to request this information from the relevant department and told me to call back the following day. XX/XX/XXXX ( # XXXX ) : Call Optum to see if they have received the XXXX funds back from XXXX but the Optum Rep has no record in their system. They create a case to investigate whether than funds have been received. XX/XX/XXXX ( # XXXX ) : Received an email message from Optum asking me to call them for more information about my active case with them. Immediately called the number provided in the message and after some confusion Optum Rep tells me the investigators need a copy of the check or documentation on where XXXX sent the funds. XX/XX/XXXX ( # XXXX ) : Call XXXX to see if I can get a copy of the check and confirmation it was sent to Optum but the XXXX XXXX says they can't access this information so they created a case to gather this information. XX/XX/XXXX ( # XXXX ) : Call XXXX to see what they learned in the investigation and they tell me that they don't have any information about where the check went but that I should just assume it means back to sender ( Optum ). XX/XX/XXXX ( # XXXX ) : Call Optum hoping they can come up with a way forward, such as cancelling the check and issuing a new one to me or XXXX but the Optum Rep says they can't do that in their department. I asked to escalate to a supervisor, was put on hold and waited for about 30 minutes but eventually gave up. ... and the saga continues [ cue the XXXX XXXX music ], help me CFPB you're me only hope!!!
01/18/2023	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	MN 55345	Web	Older American
Optum Bank wrongly processed my HSA transfer request submitted in XXXX 2022 and I lost {$2100.00} due to their wrong operation. My HSA transfer request is to partially transfer my fund from Optum HSAXXXX to XXXX XXXX XXXX XXXX. ( Optum HSA account remains active ), I submitted a transfer request in XXXX. 1. On XX/XX/2022, Optum Bank sent me an email which stated that they could not do transfer investment in-kind. See Attachment # XXXX. XXXX I called Optum and was told I had to liquidate investment account and move the fund from investment account to HSA cash account. I did it accordingly. Note : For each HSA customer, Optum Bank maintains two accounts : cash and investment account. The cash account is used to reimburse the medical claims. The investment account is used to invest mutual funds. 2. On XX/XX/2022, Optum Bank created a transfer check by dropping {$100000.00} from my HSA cash account. The check was directly sent by Optum Bank to XXXX. See Attachment # 4. Optum Transfer Check.pdf. ( date is XX/XX/XXXX ) 3. On XX/XX/XXXX morning, I saw an email dated XXXX XXXX at XXXX XXXX from Optum Bank and the emails stated We're writing to confirm a recurring transfer from your Optum Bank health savings account ( HSA ) to your chosen investment* elections. If you did not request this transfer, please contact us immediately. See Attachment # 2 : XXXX The XXXX wrongly stopped the transfer check which had been sent to XXXX and moved the fund to investment account. I called Optum Bank immediately and talked to the supervisor of customer service. I clearly stated that this recurring transfer was wrong and please stop it. The transfer check should not be stopped because Optum Bank had already sent the check to XXXX and XXXX had received it. See Attachment # 4 : XXXX XXXX XXXX. ( The check issue date : XX/XX/XXXX. XXXX received the check on XXXX XXXX ). I was told by the supervisor that he would resolve this problem. The fact is that he did not fix the problem. The pending transfer check {$100000.00} was wrongly stopped and the fund went into market and then it went back to HSA cash account. This wrong processing lost {$2100.00} ( $ XXXX {$100000.00} ) See Attachment # 4. XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, Optum Bank refuse to pay the transfer check ( ( {$100000.00} ). See Attachment # 3 : XXXX XXXX XXXXXXXX XXXX See Attachment # 6 : XXXX XXXX XXXX XXXX : Optum Bank Problem Summary. 1. Optum Bank did not complete the transfer right after dropping the money from my HSA cash account on XX/XX/2022. The transfer check set aside for days before it being sent to XXXX. Note : Based on the date stamp on the check, XXXX received the check on XX/XX/2022. 2. Optum Bank wrongly stopped the transfer check which they had sent to XXXX. Its fund was back to cash account and recursive transfer happened because HSA auto-transfer flag was on. Note : Optum Bank has a HSA auto-transfer flag which controls moving fund from HSA cash account to investment account. It was off status while I moved the fund to HSA cash account for this transfer. One week after Optum dropped {$100000.00}, I turn on the flag so my future contribution will automatically do auto-transfer. 3. Optum Bank did not stop the wrong recursive transfer after receiving my call on XX/XX/2022.
01/23/2021	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	NV 89117	Web
CFPB CONSUMER COMPLAINTS by FAX XXXX XXXX XXXX XXXX Billing Tax ID Number : XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Full Bank Name, City, and State where bank is located : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX, UT XXXX, of XXXX XXXX XXXX Type of product involved : Setting up ACH account for payments that XXXX and its OPTUM BANK, OPTUM PAY are to provide under the CARES ACT but these are incompetent, negligent and discriminatory groups. Detailed explanation of the issue : Optum Bank and Optum Pay, as part of XXXX have intentionally and incompetently mishandled setting up our covid uninsured reimbursement account for over 6 weeks, by negligently failing to set up a simple ACH. They are retaliating against me for my complaints against Optum Bank-Optum Pay and XXXX, and or that I am a minority owned medical practice, serving minorities as well as undocumented persons in my community. It is a complete outrage. I have easily set up dozens of ACH accounts over decades, including twice with Optum Bank in 2020 for CARES ACT 'relief ' program. Only when it became known that I am a minority serving uninsured, undocumented persons and other minorities, did Optum Bank, Optum Pay and XXXX begin obstructing payments by disregarding my ACH set up. They fabricate a new issue with the paperwork every single call. They cant read my writing, check doesnt match after they confirmed it does match, they dont like white paper, I print instead of cursive, copy is too dark, copy is too light etc. Each revision they demand, as a form of harassment, discrimination and abuse, will fail as they will simply fabricate a different issue each time. Optum Bank call centers appear newly formed under their lucrative government contract. Service is incompetent and atrocious as if to obstruct or harass callers with abysmal line quality, language barriers, and poor and incompetent service. Calls are passed constantly back and forth between various Optum offices in XXXX, XXXX or dozens of sites, or even outside offices, and no one knows anything about prior efforts. A recent call to Optum in XXXX XXXX # XXXX, XXXX is an example of a negligent untrained bank agent giggling and ridiculing my complaints regarding Optums total incompetence. This has XXXX or usurped me of my time and labor for 10-15 hours over 6 weeks, for a 10 minute task by any other bank. XXXX is currently being sued for over one billion dollars [ {>= $1,000,000} ] by the US Dept of Justice regarding its services to seniors. How the government could then select XXXX and Optum Bank as its administrator is inexplicable. It is an outrage that this XXXX and incompetent group can be allowed to obstruct our small practice 's mission to treat uninsured and or undocumented or other minority groups, by neglecting to set up our ACH account. Instruct bank is to reimburse us ASAP after competently processing ACH set up immediately. see also https XXXX XXXX Description of the resolution you seek : Reimburse us immediately after competently processing the ACH set up immediately. Regulatory action as applicable regarding Optum Bank, Optum Pay, XXXX XXXX XXXX XXXX and or discriminatory action.
03/07/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	GA 30601	Web
I am writing to file a complaint about Optum Bank ( https : //mycdh.optum.com ). I participated in my employer 's XXXX medical flexible spending account ( medical FSA ), managed by Optum Bank, and the account was funded by my XXXX salary for the purpose of pre-tax savings. Per IRS regulations and the nature of my FSA account, I have till XX/XX/XXXX to file eligible expenses incurred between XX/XX/XXXX and XX/XX/XXXX for reimbursement. On XX/XX/XXXX, I filed 5 eligible claims, all incurred between XX/XX/XXXX and XX/XX/XXXX, against my remaining balance left in my FSA account, but the status shown within my account had been " pending '' for several days. On XX/XX/XXXX, 6 days after the filing, I wrote to a senior customer service representative to ask about the claims, but he wanted me to call the customer service line, and told me his email was not a service email -- -- the reason why I had access to his contact is because of a previous inquiry, and another complaint submitted to cfpb in XX/XX/XXXX. The next day on XX/XX/XXXX, I called the only contact phone number my account has referred me to : XXXX, but both the initial representatives I spoke with couldn't locate my account, then finally I was transferred to another representative at a different department, who could finally locate my account-she said my claims have been approved, the fund would be released and directly be deposited by XX/XX/XXXX ; before hanging up the phone on XX/XX/XXXX, I asked that specific representative if there's a contact number that I could reach to someone at Optum, who can locate my account, since I had spent so much time speaking to representatives who could not locate my account, and repeated so many times of my credentials to robots ; she gave me the exact the same numberXXXX, and she didnt have any other number, and representatives at Optum Bank do not make outbound calls. I did not receive the reimbursement for my approved claims on XX/XX/XXXX, so I called the service line again on XX/XX/XXXX ( XXXX ; Optum Bank does not have a general email contact information ). I subsequently went through another 4 representatives who could not locate my account, and after expressing my experience from XX/XX/XXXX to the last representative, I got to speak with the 5th : XXXX ( the name she gave me ), she said I was at the wrong department earlier, and that my 5 claims had been approved and it would take 3-5 business days for the fund to be directly deposited into my bank ( the same as what I heard on XX/XX/XXXX ), she also said that from her end, she could see the fund would be deposited by the next day XXXX or the day after ( which was different from what I was told on XX/XX/XXXX ). Unfortunately, today my 5 claims ' status are still " pending '', 20 days after filing. Today is XX/XX/XXXX, and if I don't use out my balance before XX/XX/XXXX, the fund will be forfeited ( by IRS or Optum? ). The phone call on XX/XX/XXXX has a reference number : XXXX, after which I wrote to the previous senior representative ( the one told me that his email was not a service email ) and expressed my concern, but no response so far.
05/17/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	FL 346XX	Web
I made two participant contributions to my HSA account with Optum Financial through my employer in XXXX. XXXX on XX/XX/XXXX for {$3600.00} and one on XX/XX/XXXX for {$3600.00}. On XX/XX/XXXX I checked the transactions/balance on my Optum Financial account and noticed an HSA Contribution Reversal had been made on XX/XX/XXXX for {$3600.00}. I had not requested this reversal and received no notification about it. I checked with my employer who confirmed they did not request this reversal. My employer did not receive this reversal of funds back into their bank account. I called Optum Financial on XX/XX/XXXX to find out what happened. The rep I spoke with confirmed that he could see the reversal had occurred but could not give me any information as to why the reversal had occurred or where the money was. He created a claim with their Research department to investigate this reversal and have it re-issued back into my account. I told him I wanted to know where the request came from and where the funds went. The only insight he could give me was that there was a major website upgrade in XXXX and that maybe an error/glitch occurred in their system. On XX/XX/XXXX, I received an email from Optum advising me that all actions were completed on my case opened on XX/XX/XXXX. No further information was provided. My account did show a credit for an HSA Contribution of {$3600.00}. With no further information provided, I still had no idea why or how this happened without authorization or notification to me or my employer. I called Optum again that same day ( XX/XX/XXXX ) and spoke with another rep. After explaining the situation, I asked her to provide a tracker for the transaction. She said she didnt have one because the case file only had a note indicating a duplicate transaction. I asked her where the money had gone. She replied that information was not present. I asked her where the authorization or request came from to reverse the contribution. Again, she replied that information was not present. I told her that the transactions in XXXX were on different dates. She confirmed that was also what she saw. I asked her where the duplicate transaction conclusion came from. She replied she had no way of knowing. I asked her to transfer me to the Research department. Her reply was that there was no way to reach them by phone and since the case was marked as closed, she didnt have a way to contact them about the case. The only solution she was able to provide was to open another case referencing the previous one with a note asking that I be contacted and given the missing information. As of XX/XX/XXXX, I have not received a call or an email with any additional information. It is troublesome that money in my account disappeared. It wasnt until I caught their error that Optum Financial fixed it. It is even more troublesome that they can not or will not provide an explanation as to why this occurred without authorization from my employer or myself and without any form of notification that a reversal had occurred.
04/23/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	CA 94607	Web
I have an XXXX XXXX account with OptumBank. The account comes with an ATM card, that I do not use. On XX/XX/2021 I logged into my Optum XXXX account to retrieve a tax form. I immediately noticed fraudulent ATM activity. I pulled my ATM card from my cabinet and saw that expired. I called Optum immediately that day and reported the fraud. While on the phone I asked the representative to cancel ALL ATM cards. I asked the rep to remove ATM access from my account entirely as I do not use the ATM card and I didn't want another one reissued. She confirmed she did this on XX/XX/2021. Optum apparently reissued a new XXXX card in XX/XX/2021 but they did not notify me by email or phone. Unfortunately, there was rampant mail theft during that time. On Optum 's website it says they protect us by " monitoring the account for fraudulent activity '' - for 3 months I never heard from anyone about this very obvious fraudulent activity ( ATM withdraws and gas stations on an XXXX card? ). Additionally, you would also think that given that this followed the issuing of a new card this would have been flagged. On or about XX/XX/2021 the charges were still on my account and I had not received any correspondence from Optum. I called again to ask for an update. They said " fraud was reviewing and would reach out ''. I asked when, they could not tell me. All the supervisors were out that day. I asked the rep ( again ) to confirm that ATM access had been suspended, she confirmed. On XX/XX/2021, I logged into my account again. And much to my surprise there were NEW fraudulent ATM Charges on my account! Even though they had confirmed twice that all ATM access had been cancelled. In addition, all the previous fraudulent charges remained on my account still. I still had not heard from the Fraud department. At this point over {$2800.00} has been fraudulently withdrawn from my account with no action by Optum. I have spent over 3 hours of my time on the phone with them. After my call on XX/XX/XXXX I was assured 1 ) that a supervisor would call me back within 24 hours to confirm my claim was received and the ATM card had been cancelled ; and 2 ) the claim would be submitted within 24-48 hours. As of today XX/XX/2021, I still had not received a call from a supervisor. And they said my claim was submitted but it would take 3-5 days for the funds to be returned to my account. The money has been missing from my account since XX/XX/2021 and I reported it XX/XX/XXXX. I would remove my funds from this institution immediately if it were not an HSA through my employer. I have reported this to my employer as well and they are also looking into this. If you are an employer considering this company for your employees I encourage you to look somewhere else. I am afraid to leave my money with this institution. For over a month I have had to watch my savings get drained with no action by Optum Bank. I've done everything I can to protect myself. Optum is a custodian of our XXXX money. This is not Custodial behavior.
07/25/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	TX 756XX	Web
Dear CFPB, I have submitted a formal customer complaint regarding the handling of my FSA account held with Optum Bank/Optum Financial , which was through my former employer, XXXX XXXXXXXX XXXX XXXX The catalyst for this complaint stems from the bankruptcy of my prior employer, XXXX XXXX XXXX, on XX/XX/2023. This unfortunate event has had a considerable impact on my FSA account as it currently holds nearly {$3000.00}. Despite my continuous efforts to resolve this matter with Optum since XX/XX/2023, I have yet to reach a satisfactory resolution. Throughout this arduous process, I have been shuffled between different departments and provided with an array of phone numbers to call for assistance. However, each call has led to further frustration, as nobody has been able to assist me effectively. In a last-ditch effort to find a resolution, I submitted an email complaint that was subsequently followed by several more, but to no avail. After waiting for weeks, I was disheartened to receive an email on XX/XX/2023, stating that my FSA funds had been forfeited on XX/XX/2023 - an action that was taken without my consent or prior knowledge. In hopes of finding some semblance of assistance, I immediately contacted their customer service line once more. However, the direction I received was dishearteningly familiar - I was given yet another number to call during certain hours, only to be met with unhelpful responses. Frustrated by the lack of progress, I requested to speak with a supervisor, and I was directed to a gentleman named XXXX. To my dismay, even the supervisor failed to address my growing concerns adequately. When I asked XXXX to document a formal complaint, as required by regulations, he callously directed me to complain to the IRS or file a complaint through an online process. Moreover, he dismissed my plea for assistance, leaving me to fend for myself. It is blatantly clear that Optum has unlawfully held my funds in the aftermath of my former employer 's collapse, without offering any substantial assistance throughout this ordeal. I find it imperative that Optum rectify the situation immediately by promptly repaying the FSA funds they have illegally withheld. I have spent a significant amount of time and effort addressing this matter. This unfortunate situation has added an unnecessary burden to an already tumultuous time in my life, marred by job loss/uncertainty and the loss of my retirement funds from my XXXX and shares held with XXXX XXXXXXXX XXXX XXXX Optum, as a proposed reputable financial institution, needs to take swift action to resolve this matter and restore my confidence in our banking and healthcare systems. I have kindly requested a written acknowledgement of the complaint, detailing the steps that Optum intends to take to address and rectify the situation outlined above. As of this written submission, there has been no resolution. Please let me know if you need any additional information. Thank you.
09/16/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NV 89107	Web
I wish to formally address an ongoing concern regarding unauthorized transactions on my XXXX card, established through my employer with Optum Bank. Please refer to the attached " XXXX XXXX XXXX '' for a detailed breakdown of all account activities. From XX/XX/XXXX through XX/XX/XXXX, numerous transactions amounting to over {$6000.00} including ATM withdrawals, charges from XXXX, XXXX, XXXX, and others were executed without my consent. Actually, all the withdrawals and charges in that period were not authorized by me. It is strange to think that someone would use an XXXX card for such expenses. By XX/XX/XXXX, I became aware of these unauthorized activities a realization that came very late, for reasons I'll detail below. Consequently, I promptly disputed all these charges with the bank. I also immediately initiated an " Account transfer '', moving the funds to XXXX, to protect the remaining balance. The account transfer arrived at XXXX on XX/XX/XXXX, and was recorded as XXXX separate account transfers on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a refund of approximately {$2900.00} via the " visa/mastercard debit card credit '' process. However, a significant amount is still in dispute. After that, I didn't get any refunds from them. I also observed refunds labeled " visa/mastercard debit card credit '' but were subsequently debited back using the " XXXX liability process ''. This action was taken without providing any clear explanation, which I find concerning. I'd also like to point out that I believe Optum Bank should take full responsibility in this matter. I was locked out of my online account until XX/XX/XXXX, hindering my ability to monitor my account for over a year. Despite my attempts to reach out, my concerns remained unaddressed until XX/XX/XXXX. For instance, I was once redirected by a customer service representative to a phone number of another department who supposedly managed my account ; however, they never answered the phone call. On another occasion, the customer service told me they would perform an investigation and I was assured a call-back after investigation, but that call never came through. Additionally, they didn't send any paper statements during that time, which compounded my challenges, leaving me uninformed about the unauthorized transactions. This situation makes me question Optum Bank 's commitment to ensuring customer security and awareness. Had I been granted access or received regular paper statements, I would've been alert to these unauthorized transactions sooner. For your reference, I've also attached " optum mails.pdf '' which contains correspondence from the bank regarding decisions on some charges. However, it's important to note that these mails don't encompass all the disputed transactions.
12/08/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 91030	Web
This is for a Health Savings Account ( HSA ) with Optum XXXX. On XX/XX/XXXX, at my request, XXXX HSA submitted a Transfer of Assets request ( aka in-service rollover ) to Optum XXXX with instructions to transfer {$7000.00} CASH from Optum to XXXX. The Optum XXXX HSA balance at the time of the request was {$11000.00}. Optum XXXX received the signed instructions from XXXX on XX/XX/XXXX. Optum decided to instead process the request as a closure and proceeded to suspend the account from any further transactions, no claims for medical reimbursements were allowed. I placed a call to Optum on XX/XX/XXXX @ XXXX XXXX and spoke to a customer service representative named XXXX ( case # XXXX ) to inquire about the suspension. Representative advised me they processed the transfer request as a close in error and were looking to reinstate the account and fulfill the original request for transfer. Resolution was to be expected in XXXX business days. On XX/XX/XXXX Optum XXXX closed the account and transferred the full balance of {$11000.00} without my authorization. XXXX has not received the funds. I'm currently still enrolled with my employers HDHP and they have NOT changed the HSA administrator. I called Optum on XX/XX/XXXX @ XXXX XXXX XXXX to inquire on why the account was closed. I spoke to customer service representative XXXX XXXX case # XXXX ) and asked to speak to a supervisor since she was unable to assist or understand why the account was closed. I was instead advised no supervisor was available because they were all in a meeting at the time and I had to call back later or be given a call back. The person advising XXXX of the meeting was named XXXX. I called back to speak to a supervisor on XX/XX/XXXX and was able to get a hold of XXXX XXXX ( case # XXXX ). She was unable to explain the reason for the closure and confirmed that the initial call on XX/XX/XXXX didn't resort in any corrections due to the representative failing to file the needed documentation although she stated she would. Today, XX/XX/XXXX no resolution has been reached and the funds have not been made available to me. XXXX XXXX states it will be resolved in XXXX business days but can't reassure me of it and suggest I call back if not resolved. Also, she was unable to provide me with a mailing tracking number for the check and/or check number. I'm unable to use any of the funds to pay for my family 's medical expenses because Optum shows a XXXX balance nor has XXXX received the funds. If needed I have a copy of the signed Transfer Request form from XXXX showing all instructions of the transfer along with a transaction history from Optum XXXX.
12/02/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	MA 02122	Web
I gave birth on XX/XX/XXXX, and my child received care from the hospital ( XXXX XXXX XXXX XXXX XXXX in XXXX, MA ) from XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX, I saw claims for this care in my XXXX XXXX web portal and paid them using my Health Savings Account ( HSA ) from Optum Bank. These payments were in the amounts of {$160.00} and {$170.00}, owed to XXXX - XXXX at XXXX. Funds were withdrawn from my XXXX for these amounts. However, on XX/XX/XXXX I received a pre-collections notice from XXXX - Neonatology at XXXX stating that my account was overdue, including the {$160.00} and {$170.00} I had already paid. I proceeded to call Optum Bank and speak with representatives on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX to determine where my payments were. During those calls, I was told the XXXX payments in question were sent via physical check to the hospital department. Customer service reps confirmed the physical address the checks were sent to. This address was incorrect and I provided the correct po box over the phone. I was told a Stop Payment Order would be issued for the XXXX checks and new ones would be submitted to the correct address ( I also called hospital billing to share this info, where I was told they often had problems with HSAs like this ). During these calls with Optum, I was promised numerous times that I would be emailed a receipt of payment. I clarified my personal email address to ensure delivery, but never received any communications. On XXXX I received a final collections notice from XXXX - Neonatology at XXXX for the amounts of {$160.00} and {$170.00}. I proceeded to call the billing department and pay the full {$330.00} using my XXXX debit card to avoid being sent to collections. Since I had been told the payments were via physical checks, I thought payments could be stopped and I wouldn't lose any money. I then called Optum Bank on XXXX to ask for stop payments and was told new information : That the checks were electronic and no stop payment could be issued. I told the customer rep I had received conflicting information previously, to which he had no explanation. I asked if the payments could be reversed or canceled and was told no. I asked what would happen if the hospital billing department never processed the payments and if there was any sort of deadline for processing and was again told no, the payments would just stay in limbo. The only possible solution would be for the hospital to call Optum XXXX. So now I am out {$330.00}, with no way of reversing charges or getting the money back, due to numerous mistakes and misinformation on Optum 's part.
01/27/2022	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	GA 30504	Web
XXXX XXXX XXXX XXXX engaging in Unfair Deceptive Abusive Act or Practice ( UDAAP ) regarding paper statement fees. The employer I work for, XXXX, is in the process of transitioning our accounts from an old to new XXXX ( Health Savings Account ) both with Optum Bank. I was charged a paper statement fee on my new account today, XX/XX/2022. I called Optum Bank/Financial on XX/XX/XXXX to ask them to turn off paper statements, as I had already signed up for electronic statements with them on my old account and expected the same would carry over. ( 1 ) The customer service agent with Optum told me that my prior selection to have paper statements does not carry over to my new account, which makes no sense with the HSAs both being with the same company. I promptly told the agent I wanted paper statements turned off again and asked him to refund my fee. ( 2 ) The customer service agent said it is company policy not to refund this fee and that nothing can be done and while he would like to help me. Management would not allow or approve of refunding this fee. Ask to pull the recording of my call to confirm. ( 3 ) The customer service agent told me instructions to turn off the paper statements again and information on the fees would be included in my XXXX statement, which has not even yet been received by me. In short, Optum is charging me a fee without giving me the appropriate notice and time to avoid being charged the fee. Regardless of the fee being only {$1.00}, Optum Bank/Financial is acting. I have looked on the XXXX employee message board this week ( the week of XX/XX/2022 ) and Optum Bank/Financial has committed this UDAAP not only to me, but to thousands of other XXXX employees that also have HSAs with them. This would result in thousands of dollars in fee income for Optum, which is the root motivation for the company taking advantage of customers, like me, that don't have a choice and have to use them since this is who my employee chose for my company to use for their HSAs. I am asking for the CFPB to hold Optum Bank/Financial accountable . If necessary, a Consent Order should be used to make sure the company must not only lose the fee income they earned from engaging in XXXX when charging customers in the manner they do, but also hold Executive Management at this company accountable for their actions. It is unacceptable to be charging not only XXXX employees for a paper statement fee without giving them the proper notice and timeframe to opt out of paper statements, but any and all customers. This is clearly a deceptive tactic to make additional fee income.
03/23/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	GA 30319	Web
Optum Bank holds my health savings account, established through my previous employer XXXX XXXX in XXXX, XXXX. The account balance is about {$4600.00} ( account no. ending in XXXX ). In spite of numerous protracted, redundant requests to have access to my account, via their online platform, the Bank will not provide it. The Bank uses an outsourced customer service provider who is the only means of contact for XXXX matters, who only offer to send a debit card, mail an account statement, or email an account statement ( each time after I go through a long identity verification process ). However, the debit card and account statements are not sent, and the emailed account statement is actually only a link to the online access that I do not have. Online access requires entry of the full account statement. When I ask about the mailed card/statement, I have been told variously that the request was entered but did not process ; the request is not showing up ; or the request was made and it is not clear why the card/statement did not show up ( after least 10 business days- in any event, over the past 12 weeks, nothing has been sent per my request ). Optum Bank has sent two required mailings to me so it is not an address issue, and, customer service has confirmed the address on file multiple times. I sent a written complaint to the Bank at the only available address ( see attached ). Today XX/XX/XXXX I called the Banks customer service again, in an express attempt to escalate, and after being verified for 10 minutes, was put on hold to wait for a supervisor to speak to me as I requested. After 15 additional minutes on hold, I was told she was unavailable as she was busy with other things to do today, but would call me back in 24 to 48 hours. I reiterated that my request was to have access to my account, which requires the full account number that I do not have. I asked for an account statement to mailed to me by trackable express service or to be emailed to me but the representative would not do that and instead said I had to speak to the supervisor. Bottom line, I am in an infinite loop with Optum Bank, with no access to my XXXX, while Optum Bank wrongfully denies my account access, and effectively, to my funds- and charges me a {$3.00} monthly fee. As there is apparently no way to resolve this with the Bank, I am asking the CFPB to please intercede on my behalf to cause the Bank to give me access to my XXXX and my funds. Thank you. XXXX XXXX, XXXX XXXX XXXX XXXX, NE, XXXX XXXX XXXX, XXXX.
01/27/2023	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	TX 78613	Web
I have a Health Savings Account ( HSA ) with Optum Bank , Inc., doing business under the name " Optum Financial ''. For the past XXXX months, ever since I terminated mXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, my account has been incurring a monthly " account maintenance fee '' which I did not agreed to. This fee did not and still does not appear on the fee schedule on Optum Financial 's website, either before I XXXX XXXX XXXXXXXX or at any time thereafter, and I did not receive any notification about it by mail or e-mail. I have contacted Optum numerous times about this issue, starting on XX/XX/XXXX when I first noticed the discrepancy. At first, they told me that the fee had previously been paid by XXXX, and that they started charging it to my account when I XXXX XXXX XXXX XXXX. I asked why this fee was deducted when the written schedule of fees doesn't authorize it, and they were unable to provide any justification. I was told that the discrepancy would be investigated, and I called back about XXXX times over the next XXXX weeks but was continually told that the investigation was still pending. The company repeatedly promised to call me back with updates but never did. Dates of my phone calls : * XX/XX/XXXX * XX/XX/XXXX ( XXXX calls ) * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX On XX/XX/XXXX, I spoke with an Optum Bank supervisor named " XXXX '' on a recorded phone call. She confirmed that Optum Bank was aware that the monthly maintenance fee was not included on the schedule of fees, but said that regardless, it would not be refunded because the maintenance fee was as-is. Please see the attached documents in support of this complaint : * Account statements showing the monthly maintenance fee ( charged aXXXX XXXX XXXXXXXX, XXXX times between XX/XX/XXXX and XX/XX/XXXX, totaling {$30.00} ) * The current " HSA Fee and Interest Schedule '' ( dated XX/XX/XXXX and still current as of XX/XX/XXXX, accessed via the Optum Financial website ) which does not show a maintenance fee * The " HSA XXXX XXXX '' governing the account, which states that the " Schedule of Fees '' is the authoritative document governing fees that I owe ( unless XXXX notice is given ) l see highlighted sections on page XXXX XXXX XXXX XXXX * The XXXX XXXX consent policy '' stating that Optum Bank 's website is a legally recognized means of delivering the account agreement and fee schedule
07/11/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	GA 30121	Web
I still do not know why the entire balance of my account was transferred. I put in for a {$5000.00} transfer to my XXXX XXXX account but Optum transferred the entire balance of {$9400.00}. Yesterday I called and waited on hold for 1 hour before talking to the Optum representative in the attached phone call. She said XXXX, my employer, did a batch transfer of their employees accounts. I don't think this is true because as an employee I received no advanced communication about such a transfer. I also do not know for sure where this money went. I certainly hope it was sent to my XXXX account but it's unknown to me and the representative I spoke to yesterday could not answer that question. The other outstanding issues which I'll leave to Optum Bank and their remaining customers to solve, are the following questions which after numerous phone calls, emails, in portal messages, and escalations to the Consumer Finance Protection Bureau remain unanswered other than the same response from Optum " Insperity made the change ''. Optum offered an option to set up a XXXX XXXX account and link it to the Optum HSA account with the Optum app. This was also found under Optum 's portal. I followed the steps to set up the XXXX account however when I came back to Optum a few days later they stated that they were just kidding about the XXXX account and I can not transfer my fund over to XXXX for investment. They only allow their own mutual plans. My issue is that this is not what was advertised. I contacted Optum via email on XX/XX/23 and again by phone XX/XX/23. The later person was rude, interrupting me, and placing the call abruptly on hold for several minutes. I still have received no answer to date. Optum has conveniently purged my sent messages with the portal related to this matter and every time I received back a call they said this was XXXX 's doing and that they were prohibiting the use of the XXXX XXXX account. However, the open question remains, why promote and waste everyone 's time by offering this in the Optum app and portal to begin with??? There remains a link under my Optum account to an unknown XXXX XXXX account. I still do not know what account this links to as I closed the aforementioned XXXX Account after learning this was a broken feature in Optum 's portal and app. I am missing {$9400.00} in funds. It neither appears in my Optum account nor in my XXXX Account
01/04/2021	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Lost or stolen check	GA 30601	Web
I am writing to file a complaint about Optum Bank, https : //mycdh.optum.com/ I have participated in my employer 's flexible spendingaccount ( FSA ), both on medical and dependent care. The accounts will automatically withdraw funds from my salary and put it into FSA, managed byOptum Bank for the purpose of pre-tax savings. Due to the CARES Act, employees are allowed to have a new election to put more fund into account mid-year, therefore I selected additional {$480.00} this past XXXX into my XXXX medical FSA, in effect beginning XX/XX/XXXX, as you can see in the attached pictures. On XX/XX/XXXX, I submitted a medical claim incurred as copayment {$250.00} ( I had a biopsy in XXXX and another excision biopsy in XXXX, resulted in twice {$250.00} XXXX, here I only submitted the first one ), then it was partially denied and the reason was insufficient fund, which was incorrect as I already had new fund elected and the total of my balance at the time was {$490.00} in that account ; I called the Optum customer services after several failed attempts re-submitting the remaining " denied '' amount {$230.00}. I received their phone call back in late XXXX telling me it was approved and I should receive my claim within 3-7 days, but I didnt receive the claim check, so I called their customer services again, then received a call saying it was approved, but still did not receive the check after a week. It's already been several cycles of me calling them and they responded in either calling back or sending me secure messages. During these past 3 months, much of my time and energy has been spent on this single claim/matter. On XX/XX/XXXX, the representative told me via secure message that I needed to provide the receipt for that claim, even though I already submitted the receipt over 2 months ago XXXX ( and many times XXXX and was approved, before my claim could be " approved again ''. On XX/XX/XXXX, I received a secure message from customer service asking me to call them, with my name spelt incorrectly.To date, I still have not received my claim and have not been able to subsequentlysubmit my second {$250.00} copay incurred in XXXX. I still have {$490.00} remaining balance that is withheld ( illegally ) byOptum Bank.
11/30/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	MO 631XX	Web
I submitted a Trustee to Trustee form from my new bank to my old HAS bank ( XXXX ) and they they mailed a check to my new XXXX bank ( Optum Financial ) on XXXX. XXXX is showing that the check was cashed on XX/XX/XXXX but Optum has been unable to find my funds and deposit them in my account. I contacted Optum in mid-XXXX asking where my XXXX funds were and they told me that it can take 6-8 weeks for a transfer to be completed and to wait until XXXX to see if the funds were deposited. I contacted them the week of XX/XX/XXXX because my funds were still not in my account and they told me that they would launch an inquiry. During this time I received the check number and amount as well as where it was mailed to from XXXX. Optum completed an inquiry and never contacted me to let me know that they could not find the check. I had to follow-up with Optum only to find out that they had closed the inquiry and could not find my funds. I double checked the mailing address, check #, check amount, and check clearing date with XXXX. XXXX was also able to send me a copy of the check. I reached back out to Optum on XX/XX/XXXX and told them that the check had been written to Optum Bank XXXX Optum Bank changed to Optum Financial so they are the same institution ) and the CSR so that it was not their problem and they would not launch another inquiry into where the check was because the check was written to the wrong institution, even though I had proof it was mailed to their XXXX XXXX and had been cashed. Their customer service has been wholly unhelpful and has most recently recommended I have a conference call with them and XXXX in order to find out where my money is even though they have clearly been sitting on it for XXXX months. XXXX told me that Optum has a history of cashing all checks they receive and putting them in a holding account until they determine where the funds should go. What I can't get over is that a financial institution does not have solid enough records to find a check based on the Financial Institution it was received from, the check number, and the amount the check was cashed for. This has been an altogether frustrating experience and I am still trying to determine where my funds are.
12/19/2022	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	IL 60630	Web
Dear Sir or Madam, I have been trying to obtain reimbursement for my child care expenses from Optum Financial for the past two and half months. My attempts at appealing their decision to approve my claims, yet withhold payment, has been unsuccessful. My story begins on XX/XX/22 when I submitted all my child care expenses to XXXX ( Optum Financial ). I went to my child care provider 's website to generate the necessary documentation of expenses. Right at School, the provider of before and after school care for our elementary, has been the company used by the school since my kids were in kindergarten. So, I have submitted expenses and documentations for my child care spending account since kindergarten. The process is an annual routine with the only disruption being remote learning cause by the pandemic. However, this time reimbursement was delayed. I contacted the Optum via their chat and was told the documentation submitted did not have a description of service provided. The representative recommended that I fill out a claim form to address the deficiency. I did look at the suggested form and was perplexed by the form as it would necessitate the resubmission of all my claims. Then, I spoke to an Optum representative in hope of resolve the issue without having to submit the claim form. Now, I was told that I could provide a website with descriptions of services provided by Right at School. This was a much more reasonable solution to the deficiency. I submitted the website documentation on XX/XX/22. All my claims were subsequently changed to approved, processing reimbursement. Unfortunately, I have not been reimbursed for my legitimate child care expenses. Now, Optum is saying I submitted the documentation after the XX/XX/22 deadline. I have written XXXX to appeal their withholding of money I have designated for my legitimate child care expenses. The company has yet to respond to my appeal. I have been engaged and will continue my efforts to resolve this matter. My hope is that the CFPB can help me and other by being an advocate against corporate excesses. I will attach the list of child care expenses claims and my appeal letter to XXXX. Respectfully, XXXX XXXX
12/17/2021	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	AR 727XX	Web
XXXX transferred my HSA in late XXXX. I got my first statement in XXXX XXXX. XX/XX/XXXX I called asking for a closing form. I was told I had to wait 24-48 hours for that to process. XXXX I called. XXXX said she would add a 'ticket ' to the request. I was told to wait 24-48 business hours. XXXX I called. XXXX immediately emailed me the closing form and explained that I needed a 12-digit account number and the 16-digit access number which should have been sent to me separately. I had not received this and asked for these to be sent as this can only be done by mail. XX/XX/XXXX I calledXXXX said the kit had been mailed XX/XX/XXXX and the card on XX/XX/XXXX so I should wait. She said they are sent in " unmarked white envelopes. '' XX/XX/XXXX I called. XXXX said that the account had been closed and a check had been mailed on XXXX XXXX. She refused to state where the check was mailed. ( XXXXXXXX XXXX XXXX, at my request, had mailed a request to transfer the HSA in early XXXX ). XXXX now refused to remail the kit and card because the account was " closed. '' XXXX I called because neither I nor XXXX XXXX had received a check. XXXX stated that the check was mailed XXXX and she did not know why XXXX would say XX/XX/XXXX. ( though I notice that that way I was prevented from receiving my needed account numbers ). She refused to say where the check was sent. XX/XX/XXXX I checked with XXXX XXXX. They had not received a check nor had I. XX/XX/XXXX I spoke to XXXX who had assured me they could help if there were any problems with the transferred HSA. After inquiry, they found that because the HSA had been transferred twice and also because of the privacy act they could not give me any account numbers or help me in this matter. Both XXXX and XXXX refused to say where my money was sent. XXXX seems to have made up the XXXX XXXX date and thereby continued to deny me the account numbers I needed to control my account. Not until I talked to the 3rd person did some one stop pretending they could not immediately give me a transfer form. My money has effectively been stolen by XXXX XXXX XXXX XXXX I can not get access to it. I do not know where it is.
12/26/2022	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	CO 80238	Web
On XX/XX/XXXX, I opened a personal XXXX account ( rather than XXXX through my employer ) with XXXX in order to close an existing XXXX with XXXX XXXX XXXXXXXX ( Optum Financial ) due to being charged $ XXXX after terminating with the employer who had previously sponsored the account. I was advised by XXXX the following week that Optum had rejected the transfer request and that I needed to work directly with Optum in order to complete this transfer. I physically mailed an account closure request to Optum Financial in early XXXX and never received a response. When I later called on XX/XX/XXXX, I was informed that a ticket was opened in XXXX and closed either the same day or the next day without action. I was later told in the same phone call after further prompting that the failure response was sent to my defunct Salesforce employment email address despite my statements and other official documentation going to my current personal email address. No physical mail was sent back to me, and no further attempts were made to contact me after that email bounced back to Optum. I was advised that Optum could not proceed with account closure until I liquidated my assets, which meant I manually had to sell the stock into which my funds were invested. I was informed this would take multiple business days. I did so and called again on XX/XX/XXXX, and XXXX to confirm not only that the funds had liquidated, but also that my account closure was in progress. On XX/XX/XXXX, I was informed that the standard account closure XXXX was XXXX - XXXX weeks, and that there was no value in continuing to monitor the status of this transaction. I asked multiple times whether there were any additional steps I needed to take or whether I could validate progress and was told no. On XX/XX/XXXX ( the sixth week ), I contacted Optum Financial ( XXXX XXXX XXXX ) again because it appeared that, not only had the account not been closed, the funds themselves had been automatically reinvested on XX/XX/XXXX. I was told I needed to re-liquidate the assets, at which point I informed Optum verbally that I was filing a complaint with the CFPB.
02/15/2023	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Late or other fees	VA 22030	Web
I am filing another Consumer Protection Bureau ( CFPB ) complaint against Optum Financial regarding the unfair, discriminatory account treatment until the wrongful maintenance fee billing can be resolved. I also filed in small claims court and arbitration until we can resolve this in a fair matter. If these fees were intentional, this case will be taken to criminal court. You have 30 days to respond to this matter. Please see the attached Optum transactions statements and email/phone/fax correspondence dating as far back as XXXX. The monthly maintenance fees first started in XX/XX/XXXX after I ended my employment with XXXX. Since then, I have continuously asked Optum to close my HSA account by A ) reimbursing the funds my HSA for qualified medical expenses and 2 ) transferring the HSA account to the HSA under my new employer so that I would not have to incur an unnecessary tax penalty to close my account. As you can see from my medical records, the qualified transactions I wanted to reimburse myself for dated in XXXX, but for three years, Optum/HSA Bank have blocked my account from reimbursing myself with account issues and unauthorized transaction disputes. If the HSA account bank refuses to let me reimburse myself my own money, do you think this is fair? Over the phone, the customer care representative informed me that the HSA Maintenance Fee will be waived as compensation for the troubles that Optum has caused me from dragging on the unauthorized transaction disputes, the account access issues, that have prevented me. I believe this is the least that Optum can do for me since it is Optum 's fault that I could not access my account and reimburse myself in order to liquidate the HSA account. This amounted to over {$180.00} in maintenance fees that I should not have been charged due to Optum 's fault. Please investigate into this. If Optum is deemed to purposefully delay my account closure just to charge me more maintenance fees, this would be considered fraud and I will escalate the case to criminal court until a fair resolution can be done.
11/01/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	TX 75024	Web
Experiencing an issue with Optum Financial and missing funds in a Flexible Spending Account. Transactions occurred in the following manner : XX/XX/XXXX Routine eye exam followed by purchase with XXXX {$730.00}, use XXXX. XX/XX/XXXX XXXX XXXX from Optum that {$270.00} ( prescription sunglasses ) did not meet guidelines. Instructed to reimburse XXXX. XX/XX/XXXX Contacted Optum and spoke with an agent. Requested an explanation for dollar amount that was not covered and why. Stated that no notes in system on how the analyst reached the decision and she could not determine based on the documents uploaded in the system. Opened an investigation and advised I should receive a reply in the mail. Requested an itemized statement that shows approved and not approved. XX/XX/XXXX Received correspondence from Optum which did not address or provide the information requested, itemized statement of what and why not covered. Only addressed that I reimburse the account. XX/XX/XXXX Reimbursed XXXX {$270.00}, posted XX/XX/XXXX XX/XX/XXXX Returned sunglasses to XXXX and {$230.00} refunded to XXXX. XX/XX/XXXX Contacted Optum regarding the refund from XXXX and whether I will be reimbursed. Agent communicated that XXXX refund {$270.00} posted on XX/XX/XXXX. Explained that the amount is not from XXXX but stems from my reimbursement. Next, the agent explained that he located the refund from XXXX but it was applied to XXXX expenses. Suggested I contact XXXX and have the correct it and apply to XXXX. After explaining it does not work that way, he agreed to open an investigation, XXXX opened case # XXXX, no update provided. Never received any communication. XX/XX/XXXX Placed subsequent calls to obtain factual information and what are my rights as far as what is due. No follow up from Optum. XX/XX/XXXX Followed up with Optum per refund from XXXX has not been posted to my FSA. Based on the claims, my reimbursement, and refund from XXXX, XXXX should reflect {$490.00} but instead only account for {$250.00}.
02/20/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CO 805XX	Web
I opened an XXXX XXXX account through my employer, XXXX, and their benefit program last XX/XX/XXXX at Optum Bank in XXXX XXXX XXXX, Utah. Once opened, I requested a debit card so that I could use my XXXX funds. It took Optum Bank over 2 months to provide my debit card to me to enable use of my XXXX funds for medical purposes. This delay harmed me. Once I received the card, I registered it and attempted to use it. The card was declined for " insufficient funds ''. I called Optum Bank and was put on hold for a long time before a representative told me that my account was empty and that they were contacting their fraud team and that I would be contacted within 12-24 hours by the fraud team. On this date ( XX/XX/XXXX ), I had over {$9300.00} in my Optum Bank XXXX account. No one from Optum Bank 's fraud team every contacted me. I called a few days later, was put on hold for a long time again, and was told that my account was " closed by mistake '' by the Bank. I asked them where my money was and was told that my funds would be back in my account within 12-24 hours. This did not happen. Finally, on XX/XX/XXXX, Optum Bank reopened my account and redeposited my funds in my account. I then attempted to use my funds and the debit card continues to decline my use of my funds. I have tried to email Optum several times since they reopened my account and returned my funds but the secure portal will now allow downloading of the correspondence from Optum, making written communications impossible. I tried again to use my debit card without success. The delays in access to my XXXX funds, the negligence by Optum Bank in closing my account without my knowledge or consent, and repeated failure to enable use of my debit card to pay my medical bills is harming me. I want Optum to correct their failures immediately and enable my access to my funds held by their institution. Thank you for processing this complaint, XXXX XXXX
02/06/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MN 55345	Web	Older American
Optum bank never wrote and gave any written response for the claims I sent to them. Thanks to CFPB, Optum gave the response to CFPB request XXXX. The mistake Optum made is that Optum wrongly stop the check which has been sent to XXXX. Optum response says On XX/XX/23, you contacted the XXXX XXXX XXXX to advise that XXXX XXXX was not in receipt of check # XXXX for {$100000.00} and per your request a Stop Pay was issued and the funds were redeposited into your Optum Bank HSA balance. I am astonished that Optum can make such untruthful statement based on no fact. So, the problem I initially reported ( XXXX ) become the dispute which is who requires stop check. My request is to transfer HAS funds from Optum to XXXX. I called both parties to urge them to complete the transaction. All calls I made is to urge them complete transaction. There is no motivation and reason to stop the transaction. The fact is that I never filled any form or called Optum to stop check. Stopping check is completely again my goal of transferring funds. When I blame Optum for their mistakes, I provided very evidences to support my argument in XXXX. Optum needs to provide evidences for their response. Optum said per your request a Stop Pay was issued, Optum should provide evidence to support this statement. Note : All conversations between I and Optum are recorded by both Optum and ME, so it is not difficulty to see who is telling untruthful. I kindly remind who wrote per your request a Stop Pay was issued thinking twice before providing perjury because you ultimately will take the legal responsibility. ( not Optum ). CFPBs responsibility is to protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law I hope CFPB contacts Optum for the evidences of their responses because what Optum is doing is a deceptive practice.
11/10/2022	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	WA 98103	Web
I am trying to close my Optum XXXX account and transfer funds to my XXXX HSA. In XX/XX/XXXX, I submitted a " transfer of assets '' form to Optum to close the account and transfer funds to my XXXX XXXX. In early XXXX, I called to check on the status and was told that I needed to liquidate the investments in the Optum account. On XX/XX/XXXX, I liquidated the investments. I called Optum in XXXX XXXX and was told that the transfer was in progress. The money disappeared from the Optum account and I was told that a check had been sent to XXXX and should take XXXX days to reach XXXX. XXXX never received the check and Optum told me I needed to wait XXXX weeks. After over XXXX weeks, money was still missing. On XX/XX/XXXX, Optum cancelled the original transfer ( they said they canceled the check ) and the money was deposited back into my Optum XXXX cash account with the expectation that they would attempt again to transfer the money to XXXX. On XX/XX/XXXX, Optum reinvested the money without my permission. I was not notified and did not know about the reinvestment. On XX/XX/XXXX, I had a conference call with Optum and XXXX so that XXXX could provide the information needed to wire the funds. On XX/XX/XXXX, after calling Optum, I was told they could not transfer because the money was invested. I liquidated the investment again after losing {$2400.00} from the amount that was supposed to be transferred to XXXX in XXXX. I called Optum again XX/XX/XXXX and found that they still have not initiated the transfer. They have not credited the {$2400.00}. They keep giving me case numbers but when I ask about previous case numbers, cases have been closed with no resolution. In XX/XX/XXXX, I requested the transfer of {$61000.00}, but to date they are still holding my money hostage.
03/15/2023	Yes	Checking or savings account Checking account	Closing an account Fees charged for closing account	ND 58201	Web
I had an XXXX Account with Optum Bank for a number of years while I was working for my former employer. After obtaining new employment, I began being charged a {$2.00} monthly maintenance fee on my account. Since I established as XXXX Account through my new employer, I called Optum Bank and inquired whether I could transfer the remaining funds to an XXXX account with a different bank to avoid incurring the monthly maintenance fee going forward. I was told to complete a form and fax it to Optum Bank. At the time that I made this inquiry, my account only had a low balance. I was never informed that there would be a {$20.00} fee associated with making the transfer. The form I signed made no mention of the transfer fee or indicated my agreement to pay fees for the transfer. Therefore, I was caught off guard when I received notice that only {$100.00} was being transferred to my new XXXX account and that Optum Bank was retaining {$20.00} as a transfer fee. Customer service at Optum Bank profusely apologized and said no funds should have been transferred without my consenting to the {$20.00} transfer fee. Customer service told me that Optum Bank prohibits customer service, including supervisors, from refunding the {$20.00} transfer fee under any circumstances. She said that there is nothing that can be done at this point to get the {$20.00} transfer fee reversed. The {$20.00} transfer fee is unconscionable. Had I been advised about the fee, I would have opted to continue using the account until the funds were fully spent, even if it resulted in a monthly maintenance fee of {$2.00}. I would like a refund of the {$20.00}, so I can use it for medical expenses rather than for a payment of an arbitrary administrative fee that I never agreed to pay.
06/03/2023	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	TX 780XX	Web	Older American
I started the transfer process to move my XXXX from Optum Financial to XXXX XXXX on XX/XX/2023. All investments were transferred to cash at Optum on XX/XX/XXXX. XXXX overnighted the documents to Optum to request the transfer on that date. I received a {$3.00} HSA Account Maintenance Fee on XX/XX/2023, then a {$20.00} transfer fee on XX/XX/2023. The transfer out which took the money out of the account creating a XXXX balance was on XX/XX/XXXX as well. So it took a month from request to closure. However, the story has not ended there. XXXX has still not received the funds as of XX/XX/XXXX. I called Optum a couple of times between XXXX and XXXX to find the status. Their customers service was totally lacking as the only thing they could tell me was what I could already see online. I called on XX/XX/XXXX after I received a call from XXXX asking if I could follow up with Optum as they still have not seen the funds. When I called Optum, they said it was going to take another 4-6 weeks to cut a check. I said that was unacceptable and asked for this issue to be escalated. They said someone would contact me within 48 hours. On XX/XX/XXXX, I received an email from Optum simply saying that we have completed all actions on your request. Case # XXXX. What action? I had asked for a call back to see why it was taking so long. I called them back at that time and was told that the check was actually mailed to XXXX on XX/XX/XXXX. As the check never made it to XXXX, I asked them to reissue the check. They said they would, but now it has been over two months, and I have over {$19000.00} that has been sitting in limbo not growing or earning anything. It is like they are purposely trying to XXXX the customer so they can earn money on the float.
01/23/2022	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	AZ 85308	Web
I opened an HSA account with XXXX XXXXXXXX XXXX in XXXX. In XXXX, XXXX XXXXXXXX XXXX sold its XXXX accounts or business to Optum Bank. As part of this transfer, Optum Bank provided the existing XXXX XXXX Bank HSA accountholders with its assurance that the transfer of accounts will be seamless, which included an assurance that the current XXXX XXXXXXXX XXXX fee structure would continue to be applicable to our accounts. This fee structure provided a fee waiver in the event your HSA account ( cash and investments ) exceeded {$5000.00}. I have attached a pdf of the Frequently Asked Questions flyer prepared by Optum Bank evidencing this representation. Optum Bank honored its commitment until XX/XX/XXXX. My HSA account had a balance greater than {$10000.00}. In this month, Optum Bank charged my account a {$2.00} monthly maintenance fee and a {$3.00} investment fee. I contacted Optum Bank to contest the fees assessed with a reference to the prior representations made my Optum Bank. My request was denied. In order to prevent the continued erosion of my HSA account through this aggressive fee schedule, I closed my account ( allowing Optum Bank to charge me a {$20.00} transfer fee ) and transferred my account to XXXX. I have been diligent about monitoring my HSA account for fees that included at least one prior instance that a fee was assessed and subsequently reversed. I believe Optum Bank should be held accountable to honor its representations to the former XXXX XXXX HSA accountholders and they should be required to investigate and make public its findings as to any fees erroneously assessed on the former XXXX XXXX HSA accountholders and to make to pay any appropriate refunds and penalties that are deemed warranted.
04/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with cash advances	CA 90274	Web	Older American, Servicemember
I have a XXXX XXXX account with Optum Bank ( FDIC # XXXX ) with a balance over {$6000.00}. They sent debit/credit cards for myself and my wife. The card indicated to to activate and set a PIN, call... XXXX XXXX XXXX XXXX That number is for an automated recording with no ability to take to a person. The first time We both called, after following the directions we received the recording that the card service can not process your request, please contact customer or member services. We called that number, which appears to be a foreign call center. They said they could only activate the credit card, but could not provide a PIN to activate the debit card, and said only the automated number can issue the PIN, so call again. We made many attempts but could not get a PIN. We called the customer service again who issued XXXX new cards. Again the automated number refused to activate and provide a PIN, and referred us again to the foreign call center. Again they activated the credit card, but not the debit card. They said only the automated number can do that. We made a number attempts to activate the debit card and each time were informed call customer service, who said they have only the ability to activate the credit card, but not the debit card. When informed that our primary use would be at XXXX, which does not accept this credit card, the said we could seek reimbursement. It appears that Optum bank makes it impossible to access my own funds via a debit card, but wants to keep the float, requiring that I pay up front and seek reimbursement, by refusing to give customer service the ability to activate the debit card. The banks web site does not provide a telephone number for its main office location in XXXX, XXXX
12/05/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	VA 229XX	Web
Optum Bank has reassigned mutual funds from an open XXXX account to a closed XXXX account where it can not be accessed. This is the second occurrence of this issue. It is happening without my knowledge or consent. I opened a new XXXX account with Optum Bank in XX/XX/XXXX due to a change in employment and a new health insurance plan. I had another XXXX account with Optum Bank through a previous employer, so I consolidated the accounts in XX/XX/XXXX. The assets in the investment account were transferred without liquidation and the old account was closed ( account closure confirmation email attached ). Between XXXX and XX/XX/XXXX, the investment assets were reassigned back to the closed account ( account statements attached showing a discrepancy between ending XXXX and beginning XXXX balance with no explanation ). I discovered the issue in XX/XX/XXXX and had the funds moved back to the open account after several calls to customer service ( XX/XX/XXXX account statement showing proper balances attached ). Between XXXX and XX/XX/XXXX the same issue reoccurred ( account statements attached showing a discrepancy between ending XXXX and beginning XXXX balance with no explanation ). I discovered the issue in XX/XX/XXXX and called customer service on XX/XX/XXXX to resolve it. I was promised the issue would be fixed within XXXX business days. XXXX weeks later the issue is not resolved. I called customer service again on XX/XX/XXXX and was unable to make any progress. Screenshot from online portal showing current balances attached. The first account with an investment balance is the account that has been closed since XX/XX/XXXX. The second account is open and should contain all funds.
12/09/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	TX XXXXX	Web	Older American
On XXXX XXXX I tried to access my Flexible Spending account with Optum Bank and had my account frozen due to improperly inputting my password. I called their technical support line and went through their procedures with their tech to unfreeze my account. Due to some IT issue, they were unable to restore my account and I was told a 'Tier 2 ' technician would be either emailing or calling me. I waited two days, didn't hear from them and called them again yesterday, XXXX XXXX. Their tech insisted I go through the same process again, even though I told them that it wouldn't work. She was unyielding even after seeing that a ticket had been submitted to Tier 2 so I wasted another 1/2 hour until the new tech came to the inevitable conclusion that I needed Tier 2 help. I asked to be transferred to their Tier 2 department and was told that she couldn't transfer me but would attempt to get them on the line. I was placed on hold for 15 - 20 minutes until she came back on the line and told me that no one at Tier 2 was available. I then asked, and had to ask multiple times to speak to a supervisor. She finally relented and placed me on hold to get a supervisor on the phone. After another 15 - 20 minutes she comes back on the line and tells me no supervisors are available but one would contact me by phone shortly. It's now a day later, no emails from Tier 2, no phone calls from a supervisor. Frustrated, I called their corporate phone number to request assistance and was bounced around from department to department with no one able or willing to help me. I'm undergoing a procedure on XXXX XXXX to XXXX a potential malignant XXXX and I need my FSA account unfrozen to pay for the procedure.
08/04/2023	Yes	Checking or savings account Savings account	Closing an account Can't close your account	NM 87111	Web
The " resolution '' to complaint XXXX is unacceptable. I hereby quote the full text I sent to Optum Bank on XX/XX/XXXX : " '' '' Effective XX/XX/XXXX, please close account # XXXX. As of this date, I revoke all authorization for Optum Bank to serve as custodian or in any other way administer this account in my name. I revoke all authorization for XXXX Bank to contact me by email or other electronic methods, including text message and phone call. Please send confirmation of the closure of this account via USPS first-class mail no later than XX/XX/XXXX. " " '' I very clearly revoked authorization for Optum Bank to send me electronic communications. I never received any message to the email address associated with that account -- " XXXX '' Optum Bank is once again lying in their reply stating that " On XX/XX/XXXX, we received your email request and we responded via email confirming that your account had been closed with no further issues noted ''. I will continue submitting complaints until I receive a written confirmation of account closure mailed via USPS first class mail. Please note that my revocation of any form of electronic communication with Optum Bank is still in effect. Original complaint text : On XX/XX/XXXX, I instructed Optum Bank to close my HSA account. The balance at that time was {$0.00}. I requested written confirmation of account closure to be sent via USPS first-class mail within one week ( no later than XX/XX/XXXX ). It has now been three weeks since I instructed Optum Bank to close my account, and I have yet to receive any written confirmation from them. This is unacceptable, and is yet another example of Optum Bank 's poor customer service.
01/31/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Confusing or misleading advertising or marketing	GA 30135	Web
Optum is the XXXX XXXX for my employer. I added a bank account for reimbursement of a procedure for my husband on their website XXXX. I waited the XXXX days and as of XXXX there were no test deposits to initiate a claim for reimbursement for the procedure. Each employee including supervisors provide different information. The supervisor XXXX that I spoke with on XXXX advised there was an issue and the account should have been confirmed. He offered to send the payment to me overnight if the bank account wasn't confirmed once the claim was processed or I could change the account and within 3 days see the test deposit. On XXXX, I changed to a XXXX bank account and here it is XXXX there has been no test deposits. On XXXX the uploaded receipt was sent and email to XXXX XXXX requesting a paper check overnighted to me. The claim was approved and a check has been issued without any response from XXXX XXXX XXXX XXXX she would get back to me and XXXX XXXX dated XXXX noted Monday ) with the overnight information. This company has been very hard to deal with. Everyone provides different information as timeframe and I paid for services yet the company has yet to reimburse me which is what they are holding funds for. I would like my payment sent to me overnight as I was told and it is now XXXX with no response from XXXX whose email notes she would respond XXXX. They have been incompetent in answering basic questions and finding the issue in their system to link bank accounts to receive funds quicker than a paper check in this modern time. I have screenshots the banking information is correct yet not receiving any deposits which is on the companies side not mine.
08/16/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NC 28376	Web
I recently started a new job and as part of that I had a XXXX XXXX XXXX with my previous employer and a new XXXX XXXX XXXX with my new employer. I've been trying unsuccessfully since XXXX to transfer my old XXXX to my new XXXX. Both XXXX are part of Optum which apparently operates separately with Optum Financial and Optum Bank. XXXX of my XXXX is with Optum Bank and one is with Optum Financial. I talked to representatives at both parts of Optum and was instructed to download a transfer form to send in. The first time I followed the instructions and they responded and said it wasn't valid. Then I talked to them and asked them to walk me through exactly what they needed. The representative directed me to the location on their website to download the form and walked me through the fields to fill out as well as where to upload it. I did it just like they asked. Now they have done the opposite of what I needed and closed my new XXXX, transferring the funds to my old employers XXXX. In calling them today rather than help me solve it, the representative just kept telling me it was my fault because I filled out the wrong form. They are literally the same company, how can this be so difficult? I asked to have the call connected to a manager to which I was told he could handle it. Had to push to get a manager on the line to which I've now been on an excessive hold and I have very little faith they are going to help me get this resolved. They have also been charging me account maintenance fees on my old XXXX monthly because my old employer is no longer paying the fee and they charged me a transfer fee from my new XXXX. This is exceedingly frustrating!
11/02/2023	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	MI 48329	Web
The account is with Optum Financial for a health savings account. This past XXXX I noticed a low balance on the account when I was updating my transactions into XXXX. I identified XXXX frauduent transactions and then called Optum. This inital contact was on I believe XX/XX/2023. I got an intial case # of XXXX and subsequently another case # of XXXX. They intially stated they would investigate and get back into contact with me. The account card was closed and a new card reissued. I never heard back on any progress and thus called back in XXXX. At this time they stated that I needed to complete a form to get any action on reimbursement. They claimed the form should arrive in a few weeks. I called back in XXXX when no form arrived in the mail. They stated that it was sent out, but they would reissue and verified my address. I called back on XX/XX/XXXX, I had still not received any form to complete and none of the fraudulent transactions had been reimbured to the account. At this point I asked them to email me the form. I called back on XX/XX/XXXX no email, and yes I checked the junk files. They tried again and stated it should arrive in XXXX days. I told them at this time if it did not arrive I would register a complaint. Nothing has come. Reportedly the operator I talk to is not the one to actually sends out the form or email, it goes to their fraud department which has not acted. The XXXX transactions total {$340.00}. On a previous complaint to CFPB regarding another institution that Bank suddenly became quiet helpful in resolving the issue. I would appreciate your help here. thank you
12/11/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	WA 98115	Web	Servicemember
My XXXX card was lost/stolen. Someone found it and started to withdraw money from my XXXX account. My complaint is that the bank did not take appropriate measures to secure the bank account. The card was used over and over again to withdraw money. My family and I are never sick so I did not actively monitor the activity on the card. I was unaware that cash could even be withdrawn from an XXXX account. I have been reimbursed according to Optum Bank policies and FDIC federal laws. I understand my rights however, the bank should be liable for taking measures to protect money I have placed in their bank in good faith- I feel reasonable measures were not in place. 1 ) How did the unauthorized user get a pin to withdraw cash from a teller machine? 2 ) There were 182 unauthorized transactions, why didn't the bank have appropriate safeguards in place to protect funds set aside for the specific purpose of healthcare and notify me that there were anomalies in my account like other banks do? The FBI is reporting, " causes tens of billions of dollars in losses each year. It can raise health insurance premiums, expose you to unnecessary medical procedures, and increase taxes '', a simple pin or notification that a cash withdrawal took place would have prevented this. I was approximately 25 days past the 60 day requirement to notify the bank of unauthorized activity. I have lost over {$17000.00} in XXXX funds and was reimbursed for about {$20000.00}. Optum Bank should put into place basic security for XXXX account holders.
06/22/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	KY 40515	Web
I have an XXXX account with Optum Bank. Optum bank maintains an expense history that I can reimburse fully or partially from. Their bank has recently broken the ability to partially reimburse an expense and their agents have said they can't do anything until the back office responds by email. This is a problem since I have a payment plan for an orthodontic bill. I'm needing reimbursed from my XXXX as the partial payments are due. When I tried to do a partial reimbursement, as I have in the past, I discovered the Optum bank app has been changed and they've removed historical expense management from the XXXX app. Trying to use the website, the functionality for partial payments is broken ( I've previously only used the XXXX app for this function ). I reached out to Optum 's technical support by phone and they acknowledged the functionality is broken on the website and missing from the app. The only solution they offered me was to wait for an email from their back office and they were unable to help me on the phone. This means that I can't issue a partial payment for an existing expense due to their system breakage. I attempted to escalate the problem with a supervisor but have not received an acceptable response- they said they would notify the back office of my feedback and said that's the best they can do. As a bank, being able to withdraw funds to issue payments is critical. I'm currently unable to do so due to their website & app issues. No such functionality is offered by the bank via the phone.
12/07/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	AL 352XX	Web
This is an XXXX account with OptumBank. I discovered a significant amount of fraud on my XXXX account yesterday ( XX/XX/23 ). Over XXXX transactions, starting back in XXXX, totaling over {$5000.00} are fraudulent. I reported the fraud yesterday and requested the card be canceled. Additional chargers were attempted today ( XX/XX/23 ) and I called back to learn the first call did not close my card. I also learned that I should expect Optumbank to only go back 60 days on refunding fraud, as that is all that they are required to do by law. I told them I was going to dispute that and unfortunately for me 60 days would not get me to 50 % of the total funds stolen. I shared with them that I am disappointing that suspicious activity, like charges to retailers like XXXX, XXXX ( I trading card protector company! ), XXXX XXXX, XXXX XXXX engine repair, and XXXX ( an autoparts store! ) are not reported to me unless I monitor the transaction log. Also, disappointing Optum bank could not identify suspicious patterns like in XX/XX/XXXX individual transaction ranging from under {$5.00} to almost {$150.00}, totaling to over {$1200.00} at samsclub.com. Of those XXXX charges XXXX are under {$10.00} and occur in blocks of XXXX to XXXX charges a day. This is basic stuff that my credit cards report to my attention. I would think for an XXXX account these transactions would be even easier to identify. I am not sure how the card number was stolen, I am wondering if the breach was on their side.
04/07/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	CO 80206	Web
On XX/XX/XXXX my XXXX hit me with some significant extra charges at the point of service, so I paid them out of pocket because upon calling my XXXX and verifying myself over the phone, I was informed that they would not help over the phone. This set off a chain of events over two weeks, multiple attempts to access my account, and it's become clear that Optum Bank XXXX uses layers of rigid corporate policies to discourage customers from using their funds. I have called them XXXX times in the two weeks since and despite every time, verifying my ( 1 ) social, ( 2 ) DOB, ( 3 ) address, ( 4 ) dependents, ( 5 ) phone number and ( 6 ) employer they REFUSE to update my mailing address, send me a new debit card, mail the reimbursement request form, or even provide my XXXX account number. All of these refusals were because I could not also verify any activity on an account that has had no activity due to not being able to access my funds in this account, and despite correctly verifying the other six ( 6 ) above listed fields. This is clearly a company going out of its way to not help customers and keep their funds rather than making them available for the intended use of an XXXX. More frustratingly, I can't do anything about this. I can't go to another XXXX because we don't have a choice in the matter. So I guess my funds will just sit forever with Optum instead of helping me access healthcare, which is obviously the ideal outcome for Optum.
05/25/2023	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	KS 662XX	Web	Older American
On XX/XX/23 I tried to use my HSA debit card at a dental office and again the same day at a dermatologist office - neither could process the HSA debit charge and paid out of pocket. I called Optum Bank on XX/XX/23 while at the dental office and was first made aware that Optum Bank HSA inactivated my card a while back and sent replacement cards. I told Optum I was NOT given notice or made aware of this before they deactivated the account nor did I receive a replacement card ; ending that call they ordered a new card. I received the new card on XX/XX/23 and activated it by calling the number on the sticker on the new card on the afternoon of XX/XX/23. Two days later, on XX/XX/23 I tried to pay for prescriptions ( about {$100.00} ) with the new card, but got a denial code : " Debit not available appr. code = XXXX '' I called Optum again while standing at the pharmacy checkout counter and waited for nearly an hour on hold to talk to a supervisor who could only apologize for the inconvenience... WHAT? This is more than an INCONVENIENCE!!!! I could not pick up my prescriptions. When I got home I logged into my account and it shows a very old card number, not even the most recent card number and certainly not the new card received XX/XX/23. I am beyond frustrated!!! Optum is WRONGFULLY withholding this acount holder access to their funds!! I want to transfer this account to another HSA account ; Optum Bank is acting unethically and illegally.
03/12/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	TX 75034	Web
I have a XXXX Account with Optum XXXX. I submitted a claim for reimbursement on XX/XX/2022. On XX/XX/2022, payment in the amount of {$420.00} was issued as a check. But the check was send to my old address and I never received the check. On XX/XX/2022, I contacted Optum XXXX and I was told that the check has been cancelled and an ACH has been issued. On XX/XX/2022, I contacted Optum XXXX again and I was told that since the ACH has been issued, there is nothing Optumn XXXX can do in this regard. When I login to my XXXX account, I can clearly see that there is no bank account associated with the ACH that issued. Although, there is a bank account saved on my account and hundreds of reimbursements have been issued to my account over the years. I need Optum XXXX to take responsibility of issue and resolve this matter. Below is the transaction details from the Optum XXXX website : SERVICE INFORMATION TOTAL CLAIM AMOUNT {$420.00} APPROVED AMOUNT {$420.00} PAID AMOUNT {$420.00} NOT YET PAID {$0.00} STATUS Paid VENDOR / PROVIDER XXXX XXXX XXXX TYPE Optometrist Services SERVICE FOR XXXX XXXX DATE OF SERVICE XX/XX/2022 SUBMIT DATE XX/XX/2022 XXXXE Reimbursement Request ACCOUNT ( XXXX ) PAID FROM XXXX {$420.00} PAY TO BANK NAME ACCOUNT NUMBER ACCOUNT TYPE CHECK SENT TO XXXX XXXX PAYMENT DETAILS ACH # XXXX PAYMENT SENT XX/XX/2022 PAYMENT CLEARED AMOUNT {$420.00} CHECK # XXXX PAYMENT SENT XX/XX/2022 PAYMENT CLEARED AMOUNT {$420.00}
04/19/2023	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	FL 34120	Web	Older American, Servicemember
This is in reference to my inability to access my XXXX XXXX Account. I also have a XXXX XXXX Account with this same company, Optum Bank. I started calling in XXXX when my XXXX was being funded. That appeared online in XXXX, but I no longer can see my XXXX. I have called numerous times and submitted trouble tickets. I received a secure message from Optum Bank telling me the XXXX routed the ticket to the wrong department and that I should call them back and tell them to resubmit it to the correct dept! I did do that. I called back later to check the status, and the XXXX, with a crying baby in the background, simply told me to call back in 3 business days! Yesterday I called back and was told that the ticket had been resubmitted, but was then closed with a note saying No hold on this account. Case closed. In the meantime, I can not access my tax forms nor can I get access to my money. After being on hold for XXXX hour and XXXX XXXX minutes yesterday, the XXXX gave me her email address and suggested I send her an email in a couple of days to have her check if there was any updates! I sent an email to XXXX per instructions on their website, but have had no response. I have been told by a few different CSRs that there can not be more than XXXX account with the same social security number. My response is always the same I have XXXX XXXX and XXXX different accounts. I have had these XXXX accounts for over a year.
10/15/2022	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	CA 92612	Web
Continuation of XXXX Have been repeatedly told that my balance check was mailed to me on XX/XX/2022 and that it could take 7-10 business days to arrive. Here we are on XX/XX/2022 and I have not received said check, I do not know of any existent USPS shipping service that takes more than 3 weeks to deliver a ( first-class I assume ) piece of mail. Company has been seemingly hesitant to void the mailed check and re-mail me a new one, the sum is XXXX and represents a portion of my savings that I have been needing. They will not allow me to ACH the balance out, thats fine. But where is my check? I am inclined to give them the benefit of the doubt, but like any sane consumer, that comes with a mutual understanding and assumption that there is a sense of reasonability in their action towards resolution. I would not be filing this complaint if I did feel there was that mutual reasonability, as the notion that a USPS check mailed from UT to CA would reasonably arrive in <4 days at maximum, and its been over 21 days. Domestic mail simply doesnt work like that, further, I dont understand how and why they would be hesitant to simply void and re mail me a new check given that the original has never arrived in what is now far beyond a reasonable time-frame. I hope this compels them to take action and treat me ( the consumer ) with fairness and to concurrently protect their reputation as a financial institution.
11/17/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	OR 97402	Web
I have a Health Savings Account with Optum Bank, this account has been active since XXXX. I attempted to login to my HSA account, today, XX/XX/XXXX, to begin the process for reimbursement for a qualified expense. They were unable to locate my account, and I was unable to login with my credentials. I called customer support, and talked with a front-line staffer, who did all within her power to locate my account. She informed me that all of my online account activity and presence has been erased. I additionally learned my email address had been modified by an optum staffer to some other email address - not mine. I asked to speak with a supervisor, and it appears that one of their computer algorithms decided to terminate my account credentials. The supervisor and I both tried to create a new account but I kept getting an error message. We attempted several troubleshooting methods and it did not work. I have a case number with Optum bank - Optum Case # XXXX If I didn't notice this error, and bring it to Optum 's attention, my entire health savings account could have been lost or stolen via identity theft This would cause significant hardship for my family, who depend on this account for ongoing medical expenses. Optum has repeatedly been reckless with my account, making significant and drastic account changes without notice ; they should be heavily scrutinized by the proper regulatory authorities.
11/21/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NY 11104	Web
I have an account with Optum Bank that is supposed to distribute funds to me for my transportation expenses associated with my employer. However, Optum Bank has continually denied my requests for reimbursement of transportation expense because they claim that my request was not timely filed. According to their own rules, however, this claim is false. As you can see from the submitted evidence, in Question number 10 on Optum 's FAQ regarding transportation services, " you must file claims within 180 days of date of service. '' I filed my claims on XX/XX/XXXX for expenses incurred from XX/XX/XXXX through XX/XX/XXXX -- well before the supposed 180-day deadline. I received a confirmation email from Optum Bank on XX/XX/XXXX confirming submission of my claim. Yet when I followed up with Optum Bank on multiple occasions via telephone and email, customer service representatives and managers continue to deny my claims because they say I had to file within 60 days of the date of service, which is in direct contradiction to Optum Bank 's own rules they disseminate to their customers. It is my belief that Optum Bank is making up rules as they go along with the intent of denying rightfully submitted claims to their customers. They are doing this because they are greedy and unethical. Please assist me in getting my rightfully deserved reimbursements from Optum Bank. Thank you for your time and attention.
06/18/2021	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	MN 553XX	Web
I'm not able to access my online account with Optum Bank since I no longer remember the password to the account. I would like to re-set my password. I sent an e-mail to Optum Bank on XX/XX/2021, stating that I don't remember the password to my account and I no longer have access to the phone on file, and asking if my password can be reset. I received a secure message that I would need to call. I e-mailed on XX/XX/2021 stating that I don't have reliable access to a phone. I asked if my password could be reset and tax forms e-mailed to me. I received two secure messages with the requested tax forms. I also received a secure message that these forms would be mailed to the address on file, which is not what I requested. I received a secure message asking me to provide the following information : -First and Last name -Date of birth -Current phone number -Last four digits of your Social Security Number -Mailing Address I e-mailed this information on XX/XX/2021. I received a secure message that I would need to re-send my e-mail as a secure message through XXXX. I sent this information through XXXX. I then received secure messages that I would need to call. I've gotten confused with several of the messages I've received from Customer Care. I would like my password reset. I've been able to do this with another financial institution without having to call.
03/31/2022	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	CA 92647	Web	Servicemember
Hello and thank you for helping me with this, I am afraid my money is gone and I do not know what else to do. I changed jobs last year as I am sure many other people have as well. I attempted to close my XXXX account through my previous employer and transfer the balance to my personal XXXX account to avoid fees and restrictions on that balance. I submitted a paper form and followed the instructions on their website. I was told to wait 8 weeks for the balance to transfer as a " trustee to trustee transfer ''. After 8 weeks with seemingly no movement on the account I reached out to them and requested an investigation, the results of that investigation produced guidance for me to again fill out a form and mail it to a different address than originally instructed. This time in 8 weeks the money had left my existing account with my ex-employer and the account was marked closed, but no money had arrived to my new personal XXXX account. I reached out to both the new and old XXXX companies with dismay and they both opened investigations. Unfortunately, the new XXXX company simply had not received anything from the old XXXX company. The old XXXX company has opened an investigation into the transfer issue, but simply closed it in 5 days with no change to my account, no refund of my money, and no correspondence. How can I get my hard earned XXXX money back?
03/31/2022	Yes	Checking or savings account Savings account	Closing an account Can't close your account	NC XXXXX	Web	Older American, Servicemember
I am a retiree. I am writing regarding a health savings account, with Optum Financial, previously called Optum Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. I have tried four times to close this account and get my remaining money out. I have been repeatedly assured the account has been closed, and I would receive a check within about 10 days. Each time, the check has failed to arrive. After looking online and finding hundreds of complaints about this bank, I am reporting it. It is a travesty when most bankruptcy occurs via medical debt, and our health insurance system is broken, and powerful interests want to eliminate Medicare and Social Security, and etc., that people who save money for health care are being treated like this. I tried to close this account on XXXX, XXXX, XXXX, and XXXX. Believe me, I have complained to them with increasing intensity. Apparently the bank changed in management during this period, however, the same problem has occurred with both the old and the new management. Something needs to be done. Thank you XXXX XXXX. I never expected to need the services of the CFPB. I never expected that an actual bank could get away with something like this. Also, I believe Optum is owned by XXXX XXXX. Is this not a major health insurer? This is just a travesty, that these big corporations who hold such power are failing so badly.
05/04/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 96150	Web
I have an XXXX account with Optum Bank, which was offered through my employer. I separated from my employer late XXXX and had upcoming medical procedures to be completed, so I needed the funds. I called Optum to cancel the XXXX investment portion in mutual funds and spoke with their representative. The rep said she put the order in and their back office would work on it over the next week. I waited a week and nothing happened, so I called back. The next representative said that I had to liquidate the mutual funds myself online and walked me through the process. The funds were liquidated and transferred back to my XXXX account after another week of waiting. Then, the funds were automatically transferred back to the mutual funds, invested, and Optum Bank charged me fees. The prior representative never informed me that the funds would be transferred back, nor advised if I needed to do anything further regarding the auto transfer process. I was clear with Optum that I needed the funds for a medical procedure and that I no longer wanted the investment account. Yet their system still transferred the funds back, churning my money so they can charge fees. This is an extremely deceitful and deceptive practice. I am requesting that all fees be refunded and my assets be fully restored to their original balance as of the time of my original request.
05/25/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NY 10016	Web
I initiated a request to transfer my XXXX from Optum Financial to XXXX at the start of XXXX in XXXX. At some point in XXXX, I noticed my Optum Financial account was closed out and emptied. However, towards the end of XXXX I noticed that XXXX still had not received my transfer money. Optum Financial told me the check was mailed out around the beginning of XXXX and said at this point, it should have arrived. I checked with XXXX and it hadn't arrived and XXXX suggested that I put a stop payment on the first check so they can expedite a second check out. This was around XX/XX/XXXX, and the assumption was that the second check would be expedited and sent out a few days later. A month later, I'm finding out that the money was put back in my Optum account, my account was reopened, and I need to sell the investments and start this process over again. Optum will not provide a tracking number on the check they mail out, so once this happens there will be no transparency where the money is again even if it's been a month. At this point, a process that was supposed to take 4-6 weeks is still ongoing XXXX weeks in. Different representatives at Optum have also told me differing information. I was told that they can expedite a new check to XXXX, but then was just told they need to restart the process over and there's no expedite process.
03/17/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	MD 21136	Web	Older American
Optum Financial has managed my XXXX account while I was employed by XXXX XXXX XXXX XXXX. In XXXX of XXXX I initiated trustee to trustee transfer request between Optum Financial and Lively, in which the funds were transferred directly between providers. On XX/XX/XXXX, this transfer took place successfully and I never had to take possession of these funds. However, in XXXX Optum Financial has issued a 1099-SA form for XXXX tax year, in which it claimed that I received a 30k+ distribution, which created for me a large tax liability to IRS. When I called Optum Financial in an attempt to correct this error, the customer service rep. ( XXXX ) told me that Optum has issued a check # XXXX that I cashed and therefore closed my account. Off course this wasn't true, and it never happened. The rep told me that there is nothing more she could do for me. At my request, the rep promised to email me and have a supervisor contact me about this problem. None of these things ever took place. I request that Optum Financial correct their error and reissue corrected 1099-SA form, so I can proceed to file my income tax return. I have all the necessary documents supporting my claim. I request that Optum Financial resolve this error as soon as possible, because I can not file my income tax based on their incorrect 1099-SA..
09/12/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	NY 10029	Web	Older American
In early XXXX, Optum Bank, the custodian for my Health Savings Account, advised that my debit card ( to expire in 2027 ) would need to be replaced by the end of XXXX with a card being sent to me. After the card didn't arrive, I established that Optum had a dated apartment number for me, in my current building. I updated the address online and requested another card be sent, which was to arrive in 7 to 10 business days. This began a sequence now involving 4 requests for resending of cards that did not arrive. Each time, I called and was told that the send was initiated, and each time, no card. Yesterday, on XXXX XXXX, I called and demanded that a card be expedited to me by an overnight service that would track the mailing. I was told that this time, it would be received within 3 to 5 business day, but that no tracking option was available. So I don't know whether it will arrive or not. My complaint is : Optum insisted on replacing a card that did not need replacing, it terminated the former card within an abrupt period of time, it repeatedly failed to get a replacement card to me, and it incompetently can not track its own expedited mailings. It is not a worthy financial institution to be administering Health Savings Accounts.
04/20/2023	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 34232	Web	Older American, Servicemember
On XX/XX/XXXX I sent the finance company a dispute letter of the XX/XX/XXXX charge in the amount of {$24000.00}. They replied with a letter dated XX/XX/XXXX that they had issued a provisional credit until they finish their research. Their next letter received dated XX/XX/XXXX, stated that they had issued a PERMANENT credit for the disputed amount ( {$24000.00} ) + interest and fees accrued. This should have brought my balance to {$0.00}. About a month later I received a statement showing the provisional credit of $ XXXX was credited on XX/XX/XXXX. It also shows the provisional credit was REVERSED on XX/XX/XXXX. This transaction occurred 1 day before the letter that stated that the provisional credit ( $ XXXX ) would be permanent. There is also a direct transaction credit from the Merchant of only {$20000.00}. This transaction wasn't authorized and such credit leaves the account with a balance of {$3000.00} + a finance charge of {$20.00} = {$3000.00}. I don't know why I owe this when the dispute was settled, and I didn't authorize this. The finance company explained to me that the merchant credited less and that I would have to talk to them. When I spoke with the merchant, they told me that " what was done is done. ''
12/15/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	NC 282XX	Web
At the beginning of XXXX, I realized I had an XXXX account with Optum Financial. I initially didn't realize this because I never received a debit card from them. I created an online an account but was unable to validate it without the card number. At that time, I called and ordered a new card. In XXXX, I had not yet received a card so I called back. I was told that cards that were ordered during a certain period never went out due to a glitch in their system - though I was never notified. I requested another card, I believe on XXXX or XXXX, and still have not received it. I have called several times and no one will provide me any information as to where my card is or when I will receive it. Different associates have given me different, contradicting answers. I have asked for a way to access my online account without validating it by a card number- but have been refused. So I have no way to access my online account or to receive a card for funds that will expire on XX/XX/31. I have asked to be e-mailed a form so that I can submit for reimbursement via fax. Both times I have asked for this, I never received the e-mail I was promised. I have looked into this company online and dozens of people have the same complaints.
03/29/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NJ 07030	Web
I have a Health Savings Account ( HSA ) with Optum XXXX On XX/XX/2022 I received a reimbursement check from my medical insurance company that I had used my HSA to pay for. Understanding that money taken out of my HSA must only be used for medical expenses I called Optum XXXX to ask how I could deposit the refund into my account. The first woman I spoke with advised me that I should just deposit the money into my personal account and keep it. I advised her this would be fraud, and only then did she give me a XXXX XXXX XXXX mail a personal check to. On that same day ( XX/XX/2022 ) I mailed a personal check for the total amount of {$320.00} to Optum XXXX XXXX claim department : ( Attn : Claims Department, XXXX XXXX XXXX XXXX, FL XXXX ). The check was not cashed until XX/XX/2022. After the check was cashed I continued to wait for the funds to show up in my HSA. It wasn't until XX/XX/2022 that {$200.00} showed up in my account. I have called Optum XXXX at least 6 times regarding this matter. I have attempted to use their " callback '' option on at least two other occasions and never received a return call. I would like to know where the {$120.00} is. No one can locate that money and Optum XXXX does not seem to care.
01/06/2023	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 94109	Web
I registered for a XXXX XXXX and a XXXX XXXX card in XX/XX/2022. My company 's plan with Optum Financial began in XX/XX/2022. I was going to use the card to pay for a very expensive dental procedure. Optum assured me the card would arrive within 5-10 business days. I have called Optum Financial approximately once per week for the past 2 months, and they have kept saying that the card will arrive in 5-10 business days, but it's been over 2 months. They keep rejecting my request to speak with a manager, they do not provide any additional information, and I still have not received my card. XXXX is over, and I have not been able to use my XXXX, which expires at the end of the year. Further, Optum won't let me log into my online account without having a card, so I can't log in and request them to stop debiting my wages to fund my commuter benefits card. So they refuse to send me my XXXX XXXX card, but keep taking money from my wages each month while they do so. This is completely unacceptable. I want Optum to send me back every single cent they have stolen from me. I consider this theft because they have taken my money and refused to provide me with a payment card. I want the money sent back to my wages.
08/07/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	NC 27502	Web
My employer opened an account for me at Optum Bank in XXXX, XXXX. I did several deposits and had an investment account with them. I was able to access my account back then. In XX/XX/XXXX, a new employer opened a new account for me with Optum Financial. It turns out Optum 's system does not allow two accounts with the same SSN so they closed my account with Optum Bank. I didn't pay much attention until I needed the money recently and was not able to access my old account. I called them several times ( transferred 6 times from Optum Bank to Optum Financial and vice-versa ). I was on the phone for FOUR hours between waiting times and their terrible customer service. I was able to partially retrieve some money - just the HSA money that was not invested. I can not see any of the statements or transactions from that account either. They told me the investment is with XXXX XXXX. So two big problems : 1. I was not contacted when they closed my first account ; 2. They are withholding my money. If they were able to close the account they should at the very minimum notify the owner so the action can be taken. They had my email and phone number and have sent me other notifications throughout the years.
07/13/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MI 48188	Web
Date : XX/XX/2023 Amount : {$930.00} Company to provide refund : XXXX XXXX XXXX, MI XXXX XXXX Company to provide credit : XXXX XXXX XXXX Problem : Due to overcharge XXXX XXXX XXXX XXXX tried to pay me back {$930.00} as a credit to the original form of payment, which was my HSA ( Health Savings Account ) through " XXXX XXXX XXXX XXXX XXXX claims they never received the funds from XXXXXXXX XXXX, making the amount disappear. XXXX XXXX claims their transaction was successful on their side ( and do not see any failure or a credit to them later ). Prior to the above ( around XXXX ), I had requested for my HSA funds rollover to a new HSA custodian- '' Benefits Wallet '' ( the new HSA custodian for my employer ). The day the transaction happened, XX/XX/XXXX, XXXX XXXX closed my account with the rollover to Benefits Wallet. I did notice a " pending transaction '' in my XXXXXXXX XXXXk HSA account for XX/XX/XXXX, but it disappeared later. That suggests to me that the transaction was attempted with XXXX XXXX I have contacted both XXXX XXXX XXXX XXXX XXXX numerous times, but the situation has not changed. The amount, supposed to be given to me, has disappeared. Appreciate the support and response
07/07/2023	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble using the card to spend money in a store or online	CO 80012	Web
My former employer offered an Optum Bank Mastercard for health flexible spending AND transportation ( parking, bus, light rail ). The funds loaded to the Mastercard were deducted from my paycheck. My employment was terminated XX/XX/XXXX. At the time of my termination there was approximately {$1600.00} available for transportation expenses. Sometime around XX/XX/XXXX I called Optum Bank to find out if the funds could be sent to me via check, minus taxes since it would have been income. I was told it was not possible BUT the funds would remain available for use indefinitely ( until depleted ). I did not have an opportunity to use the Mastercard for parking until XX/XX/XXXX. The card was declined presumably because it was expired. On XX/XX/XXXX, I called Optum Bank to ask for a new card. I was told the account was closed upon my termination and the funds were returned to my former employer. I asked for proof that the funds were returned to my former employer and was told by a supervisor XXXX XXXX XXXX " we don't have records going back that far ''. He said I needed to contact my former employer. Contacting my former employer is not an option.
03/15/2022	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	NC 28211	Web
On XX/XX/2022 I opened an HSA account with XXXX and submitted paper work to initiate a transfer from Optum Bank HSA to XXXX account. I contacted XXXX a few weeks after that to ensure I didn't have to submit any more paperwork and they said that the ball was now in Optum Banks court. Last week I called Optum Bank inquiring about the status of the account. I noticed i still had money in my optum bank account, when it all should have been liquidated. They had no trace of the rollover. I spoke to two different people. One of them requested I fill out this form : XXXX XXXX XXXX even though this form clearly states its for transferring an account from an institution INTO optum bank, not the other way around. The person advised I liquidate my investing portion of optum bank, as they wouldnt be able to transfer what was invested. I have liquified my investments, and now I am worried that it is going to take a long time for them to straighten everything out and I could lose out on potential market gains. I initiated another transfer from XXXX hoping that this time it will actually go through.
08/16/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	MD 21117	Web
Optum Financial issued me a check for a reimbursement claim on XX/XX/XXXX. The check stated it was valid for 120 days. I went to deposit the check XXXX days later on XX/XX/XXXX and the check bounced, incurring me a {$30.00} returned check fee. I was not notified in any way that the check had been cancelled, although Optum claims they sent me an email. I have received emails in the past regarding checks nearing their expiration date for previous reimbursements which is why I know I did not receive an email for this instance. Even if I had received an email from Optum for this claim, their emails are a general template that state, " Our records indicate the check has not been cashed. If you have not done so already, please cash the check before the expiration. '' In this case I was cashing the check at XXXX days, which is before the 120 day expiration date. At no point ever ( in emails, on phone calls with customer service agents, on public websites or forms ) does Optum state that their checks expire before the stated " Void after 120 days '' clearly printed on their checks.
09/29/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 96150	Web
I called in to have the account fees reversed and account closed. The first representative I spoke w/ seemed to understand the request, which I believe was completed but no written confirmation was received. I then asked her a question about my XX/XX/2023 statement. She stumbled over a few words, then the line went silent but remained connected. So, I called back to restart the entire process over again and this time, reached someone else who seemed to be working overseas and not entirely fluent in English. Same process. He confirmed that the fees would be refunded and account closed ( please double check ). I then asked him a question on my XX/XX/2023 statement : transfers from investments reflects {$9300.00}, and assuming they were transferred out of investments and into the XXXX XXXX, if {$6000.00} was withdrawn YTD, where is the remaining {$3300.00}? Or, how do the figures in this YTD table read? I've had to call twice, spending 32 minutes on the phone now, and nobody is able to answer. 1. Please reverse the fees and close the account. 2. Please address my question
08/18/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	IN 46060	Web
XXXX XXXX I opened XXXX accounts for my self and my employees at Optum Bank. On XX/XX/ I deposited {$1000.00} into each of my employees as well as my XXXX account. Almost immediately, Optum Bank has managed to lose my deposit, per their website there was a ACH withdrawal of {$1000.00} the same day I made the deposit, except I had no access to the account and the funds weren't even available at that time. I discovered this error when my wife tried to use the XXXX debit card and it was rejected. Optum has given multiple excuses, including a security breach and system errors, however they have done nothing to resolve the issue, On XX/XX/XXXX I was told they are trying to resolve the issue in batches meaning this has happened to multiple people. Optum Bank has essentially held my money hostage for XXXX weeks and can give no estimate as to when it might be released. I have asked Optum to credit my account for the {$1000.00} until the resolve the matter they have refused. they literally lost my deposit within hours of me making it and clearly in no hurry to resolve the matter
09/12/2022	Yes	Checking or savings account Other banking product or service	Closing an account Company closed your account	VT 051XX	Web
My employer 's payroll company required that my XXXX change from XXXX XXXX XXXX Optum Bank. I opened account and initiated a trustee to trustee transfer. Optum required identification verification. I missed the first email and then took too long getting info to them, they closed the account. Calls were made to find funds deposited into Optum account. XXXX deductions they received went back to XXXX XXXX and were included in my pay. Optum told me that transferred funds went back to account of origin. XXXX claims not to have received them. Optum claims not to have funds either. Last verified record of the money was check # XXXX for {$1600.00} from XXXX to Optum sent XX/XX/2022. XXXX sees that check was cashed on XX/XX/2022. The Optum account was closed on XX/XX/2022. No one admits to having record of that money since. I have made many phone calls over the last 7 months trying to find my savings and transfer it to my new, self-administered XXXX with XXXX. I have hospital bills due and have not been able to access the money I saved. Please help! Sincerely, XXXX XXXX
12/14/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX 75024	Web
Associated to CFPB Complaint ID # XXXX As a result of the aforementioned Complaint filed with CFPB, Optum Financial issued a refund/reimbursement of {$270.00} on XX/XX/2022. However, Optum Financial sent a forwarded a " Payment Card Transaction Denial Notification '' letter dated XX/XX/2022 and advised me that {$230.00} was denied and I am required to reimburse my XXXX for the noted amount. I dispute that I owe that amount or any amount considering the merchandise associated with the denied claim or transaction was returned to the merchant, XXXX. On XX/XX/2022, I returned the merchandise tied to Optum 's claim and XXXX returned the funds to XXXX account in the amount of {$230.00}. The fund is whole and there should not be any pending funds associated with that particular claim. To this day, they have no honored my request for an itemized statement that details what was approved, denied, and why. Optum Financial is responsible for locating the returned funds and applying those funds to the appropriate record or associated claim. Optum Financial Claim Number XXXX
06/04/2023	Yes	Checking or savings account Savings account	Managing an account Cashing a check	TN 378XX	Web
In XX/XX/XXXX I closed my HSA account with Optum Financial. I received a check, in the amount of {$3500.00} on XX/XX/XXXX. I tried to cash my check and it was declined. I called Optum Financial on XX/XX/XXXX to tell them I could not cash my check. They said they could reissue me a replacement check. On XX/XX/XXXX I received a replacement check. Check number XXXX. I tried to cash the replacement check and it was also declined. I reached out to Optum Financial customer service again and they informed me that the first check, check number XXXX had been cashed. Which was news to me because I did not cash the check. I would like to. I have since opened 10 cases with Optum Financial regarding my check. I have reached out to XXXX XXXX the president of Optum Financial Bank. I was corresponding with XXXX XXXX via email. I have completed and returned 2 forged check affidavits one in XXXX of XXXX and another XX/XX/XXXX. I have contacted XXXX XXXX via email to see when I can expect a check or to get a status update on my check and he will not reply to my emails.
04/19/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	AZ 85042	Web
I had bill pay set up through my optum HSA account. I set up the payments to auto pay XXXX XXXX Bank, as it is a credit card I opened for a medical XXXX. XXXX XXXX payments of {$30.00} on XX/XX/XXXX, and XX/XX/XXXX, were never credited to my XXXX account but have still been debited from my Optum HSA Account. I called Optum to do XXXX stop payments and was told they just changed their bill pay recently to send over electronic card numbers instead, and that XXXX did in fact receive said payment. I have called back and forth and no one will Help me. I need a XXXX statement from Optum bank but it is mid XXXX and still nothing. I have to prove to XXXX bank that the payments were debited from my account, paid to XXXX and I can't as I can not get a statement from Optum. I attached a transaction snapshot from XXXX bank as I receive paper statements and don't have a scanner. I disputed missing payments on their end and they closed the dispute as it's been 30 days, and I have NO statement to show them proof from my Optum account.
09/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77802	Web
XXXX ( XXXX XXXX ) harassing me all of a sudden after XXXX years without no billing notification, mail or email notification telling me I owe {$1100.00} in medical bills. XX/XX/21 XX/XX/21 XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, PA XXXX Billing Office : XXXX This is terrible after XXXX years without notification that these debt XXXX are harassing me that I owe them. I didn't have any chance to file a complaint at the time of service, I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature. This medical service at the time was under an attorney for medical malpractice. I am filing a complaint, I would like this to stop.
02/10/2023	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	FL 33130	Web
I have an account with Optum Financial that was transferred to them after I left my employer. Originally the account was held by XXXX XXXX but transferred to Optum Financial. I have been in contact with Optum 's help line since XX/XX/2022 trying to resolve a {$40.00} charge to my account. After XXXX calls and countless hours trying to get an answer, they have not answered my questions about why {$39.00} was charged in one month when their weekly fee is {$3.00}. They also redirected me 3 separate times to XXXX XXXX, who I also called and said they were not the ones who charged the fees -- Optum did. In my most recent open case, the company never called me back as they had promised and instead closed the case with no explanation via email. I have run out of ways to resolve this directly with the company as they are not responsive and I do not want to continue wasting hours on the phone with them. It is unacceptable that a company charges fees and then gives consumers no way to understand or dispute them.
10/23/2023	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	PA XXXXX	Web
I have an Health Savings Account with Optum Bank through my former employer. After leaving my job, I was mailed a notice, dated XX/XX/2023, which included a Truth In Savings disclosure that quoted a {$0.00} monthy account maintenance fee that was described to " now apply to your account. '' However, I have been charged a monthly maintenance fee of {$2.00} on XX/XX/2023, XX/XX/2023, and XX/XX/2023. I wrote a letter to Optum on XX/XX/2023 and did not receive a response. On XX/XX/2023, I wrote an electronic message to Optum and received a reply that was not responsive to my concern. The message stated that " Our records show the plan you're currently associated with has a {$2.00} monthly maintenance fee '', however the company 's response did not address the information I provided regarding the disclosure I received over mail that quoted a {$0.00} fee. Attachments : Letter from Optum dated XX/XX/2023. Letter to Optum dated XX/XX/2023. Electronic communication with Optum Customer Service on XX/XX/2023.
02/10/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NY 14226	Web
I initiated a transfer of funds from an XXXX account held by Optum XXXX on XX/XX/22. I filled out a transfer form on XXXX 's web site to make the transfer, and updates on the XXXX site indicated the transfer was in process and should be completed by XX/XX/22. I called XXXX on XX/XX/22 to ask why the transfer wasn't complete, they had no information, had not done any follow up with Optum, and told me I had to call them. So this is complaint XXXX - their website implies they will handle the transfer, but there is no follow up. I called Optum on XX/XX/22, they had no available record of the transfer request and said they will " investigate '', but warned me it can take 6 weeks to transfer the account. I'm guessing they're not sending rolls of coins on horseback to XXXX, this is a ridiculous amount of time to transfer an account, while charging me monthly fees. So complaint 2 is why Optum doesn't have record of a transfer request and why it will take 6 weeks to do an electronic transfer.
04/14/2023	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	IL 60031	Web
I have an HSA account at Optum Financial with my old employer. I left the company but the account remained open since XX/XX/XXXX. On XX/XX/XXXX I submitted a form to close and transfer this balance to my active HSA account with my new employer. Not only did Optum not honor the transfer, unbeknownst to me, they created a new Optum account, and transferred the balance internally without my consent. I received no communication that a new account was opened, or any information on how to find this new account. I've attempted to verify why the account was open, what forms were filled out, and who authorized this new account, but Optum is unable to confirm any information. All the while, they have been charging me an " Account Maintenance fee '' & " Paper Statement Fee '' There was no reasonable way for me to know that I would need to Opt into a paperless statement, because I had no idea the account existed and was opened without my approval, but they still charged me a paper statement fee.
08/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CO 802XX	Web
The custody of my HSA account transferred from XXXX to Optum Financial on XX/XX/2022. I had a pending {$340.00} Credit to my account at XXXX that became a permanent credit as of a letter received XX/XX/2022. On XX/XX/2022 I called Optum Financial to ask them to transfer the {$340.00} that was apparently " stuck '' at XXXX. I was assured that the funds would be debited from XXXX and credited to Optum and was provided case # XXXX. The funds were debited from XXXX on XX/XX/2022 and were never credited to Optum. On XX/XX/2022 I called Optum and requested status but there was no record of my previous requests so I submitted a new case # XXXX and provided a copy of the letter I received from XX/XX/2022 showing the {$340.00} credit was permanent. I was told the credit would apply to my account in 3 business days. On XX/XX/2022 and XX/XX/2022 I called both Optum and XXXX and both at the same time on a conference call. Neither bank shows any record of the {$340.00} ever being credited to me.
04/18/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	IL 60622	Web
On XX/XX/2023, while filing my taxes, I learned I had over contributed to my HSA held with Optum Financial. That same day, I submitted a form requesting that they remove the excess contribution from my account. It is now XX/XX/2023 ( Tax Day ), and they still have not removed the excess contribution. I have contacted Optum Financial five times in the interim to check on the status of the request. For weeks they told me they had the form and were still processing it. Then, on XX/XX/XXXX, they told me they never received the form. I was traveling at that time and didn't have the ability to re-submit the form. On XX/XX/XXXX, I called and requested assistance with this issue. I was told I would get a call back the same day as this was an urgent issue. I never got a callback and they still have not removed the excess contribution. Now, I will have to re-file my taxes and pay the 6 % extra tax on the contribution because they have refused to manage my account in the way I've requested.
10/04/2022	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	WA 980XX	Web
XX/XX/2022 - I requested to close my Health Savings Account at Optum , Inc ( https : //employer.optumfinancial.com/ ) and transfer all the funds ( $ XXXX ) to XXXX. XX/XX/2022 - Optum claimed that they issued a check to XXXX. XX/XX/2022 - XXXX told me they still haven't received any check or notifications about the transfer. Then I contacted Optum again and they told me that they will reissue a new check to XXXX. XX/XX/2022 - When I tried to contact Optum to inquire about the status, I was told that the case was closed and there's no resolution. The customer service basically told me there's nothing they can do and can't wait to get rid of me by " Is there anything else I can help you with today? '' At this point, my HSA funds at Optum was basically scammed. It's been 1.5 months since I requested the HSA account transfer via mail ( which is another pain point ) and my funds ended up swallowed by Optum. I'll have to take legal action against Optum if this can't be resolved.
07/29/2020	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	TX 78259	Web
XX/XX/2020 - I called Optum Bank XXXX to request statements for my Health Savings Account by mail because I am unable to access their online system. Their website crashes my system when using XXXX or XXXX web browsers. Their site is the only one that has this effect. They informed me that there will be a {$1.00} fee for each statement mailed or emailed. They stated it is legal to charge this fee and I have no recourse. While it is not going to cause me undue financial harm to pay this fee, I find it disturbing that in order to see my transaction history I can not receive a free paper statement. I think about the people who do not currently have access to the internet that are being charged this fee. It likely has some true financial impact on them to have to pay for paper statements. I know this is not unique to Optum Bank as it occurs on my XXXX account as well and I'm disturbed that we allow financial institutions to take this unnecessary fee from customers.
09/21/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77802	Web
Opum ( XXXX XXXX ) harassing me all of a sudden after XXXX years without no billing notification, mail or email notification telling me I owe {$100.00} in medical bills. XX/XX/22 and XX/XX/22 Optum XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, PA XXXX Billing Office : XXXX This is unjust billing practices after XXXX years without notification that these debt collectors are harassing me that I owe them. I didn't have any chance to file a complaint at the time of service, I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature. I am filing a complaint, I would like this to stop.
06/30/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	VA 22310	Web	Servicemember
On XX/XX/, I called Optum Bank, my XXXX and XXXX provider, and asked for an explanation as to why my and my husband 's new XXXX cards were sent addressed to my husband only, particularly because I am the primary account holder, the account is through my employer, and I am the only one actively managing the account. I expressed concern about how this possibly could have happened and strongly suspect gender bias is integrated into Optum 's systems. It is in our recent history that women were allowed to have bank accounts without the permission of their husbands, and this bypassing of myself could be indicative of wider problems with Optum 's apparent bias and inclusion. I am requesting a written explanation for how this happened and an action plan for how Optum is going to prevent this from happening to myself and other women in the future. I asked to be escalated to a supervisor and am still hold. I've been on hold for over 45 minutes now.
02/09/2023	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	VA 228XX	Web
I have HSA account with https : //www.optumbank.com but there is zero interest rate that they pay on the money which is parked there. why is this? On the other hand they charge maintenance fees. I want to invest this money in US treasury bonds via treasury direct so I can at least get some return or at least maintain the value of that money. Because inflation is also eating away this money. But there is no such option through the bank website or mechanism to do that. This issue is with all the HSA a ccount managing banks who likely give kickbacks to employers so you can not even choose your own HSA bank. This is total rip off of all the workers depositing in HSA accounts being pushed by IRS for tax saving purpose but yet there is no enforcement of ways to invest that money at consumer 's terms. Consumers of these HSA schemes is loosing money both in inflation and fees. You need to work on getting some protection for these consumers.
11/26/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	NY 10019	Web
Since opening the XXXX account around XX/XX/XXXX, I have been unable to invest the funds in my XXXX account with Optum Bank. I have tried approximately 7-8 times on their website ( " We are unable to process your request at this time. For assistance, please contact us or try again later. We apologize for any inconvenience this may cause. " ). When I emailed support, they sent me an encrypted message on XX/XX/XXXX that was incredibly cumbersome to open with nothing helpful " Due to the nature of your question, it would be best for us to assist with your request over the phone ''. When I called on XX/XX/XXXX, I spend way too long on hold. I need to invest these funds as markets have increased, leaving me with over {$300.00} in missed gains. Optum Bank should be stripped of its FDIC membership. They have continually failed to resolve the basic issue of INVESTING. My money, and the money of other hard working Americans, is not safe here.
04/08/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	MD 20874	Web
On XX/XX/2021 I went on the online portal of Optum Bank who administered my then XXXX with XXXX XXXX. Through the portal I made a payment of {$45000.00} to a medical provider. This transfer is showing on my XX/XX/2021 statement, but it never arrived at my providers office. They have been very patient, but my account is about to go into collections now, if I can not prove that I made the payment. I have called and emailed Optum Bank multiple times, and they always assured me that the payment had been made and that they would send me proof of the transaction via email. I never received a single email from them ; and yes, I checked my spam folders. In addition, they offered to send the documentation directly to the provider. Needless to say, nothing ever came through. If Optum Bank does not provide me with the necessary paperwork, I will have to pay the amount again, just to prevent it from going to collection.
11/04/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	MI 486XX	Web
My XXXX account was transferred by XXXX Bank XXXX Optum XXXX around the beginning of XXXX. On or around XX/XX/21, I submitted an XXXX claim to reimburse myself for some XXXX work. My claim was denied and my account frozen/suspended. I contacted Optum XXXX to inquire as to why my account was suspended and I was hung up on twice with no resolution. After calling back again and again, I was finally connected to a XXXX who seemed to be a little helpful, however, this institutions internal policy dictates to the customer when my account will be unlocked and available for my use again. XXXX business days I was told due to my account being cited for fraud. I haven't been able to gain access to my account since XX/XX/21. I feel like my account was transferred to an inferior company with consumer finance compliance shortfalls and technology-related issues that prevented access to my account and money.
04/20/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	AZ 85022	Web	Older American
I have a Health savings account with Optum financial. For the past 2 weeks, I have been unable to access my account ; it keeps asking me to reset my password which I do and it is in this perpetual cycle and never lets me in. I have contacted Optum and had a case created ( # XXXX ) and they subsequently closed it, without addressing the problem. I was on the phone today with technical assistance for 45 mintues XX/XX/23 and they are unable to resolve it. I have been sent a link to reset the password, only to get an error message from the company. Something is clearly broken and not working at this company. They can't resolve this matter and I don't know what else to do. I am unable to submit claims to access my own funds. I have no issues with accessing my financial information with any other bank and credit card company. Please help me get access to my own funds. This is unacceptable.
01/25/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	CO 80907	Web
I called them to send me the remaining amount from my prepaid credit card that was paid directly into credit card. They had refused since I dont remember old address. They refused accepting my new address to update. They required old address! XXXX! It took months later then I found my old address from file. I called them. I called them to close acct and mail me the entire amount which was about over {$350.00}. They did update the address and would mail me the check. The confirmation nbr is XXXX XXXX XXXX. I called on XX/XX/XXXX only to learn today on XXXX that they did not close my acct!!! The guy does not even have the info of why the acct was not closed! Nor check was not sent to me. They still have my money! I suspect it is their way to charge lil by lil for it is for THEIR WORK. Dirty! It is a sly work of theirs. I need the check to deposit before I move to Alaska this XXXX of XXXX.
03/16/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	IL 60714	Web	Older American
I have an XXXX account with Optum XXXX. On XX/XX/2021 I went to Optum website to pay my doctor bill. So, I created distribution from my account to my doctor. Optum deducted requested amount ( {$130.00} ) from my account but my doctor never received this money. Now after 4 months doctor office is sending me to the collection agency. In meantime I called a few times my XXXX bank to resolve this case and my bank is unable to provide me with any proof of payment. They can not find the check cashed by the doctor. They even don't know check number issued to the doctor. They also don't want to return this money back to my account. I got multiple promises to get some solution and nothing happened. Seems like they just play for time. Each time they are assigning different case number. After a few days I am receiving email with info that case is closed. My last, still open case number is : XXXX.
04/13/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WI 54913	Web
I have been receiving emails from Optum that state '' Your XXXX Advantage Medical Savings Account ( MSA ) has been overdrawn since XX/XX/XXXX. It's important we inform you that, according to our records, your MSA has been overdrawn in the amount listed above since XX/XX/XXXX. Please bring your MSA current by XX/XX/XXXX to avoid account closure. '' I don't have an account with Optum bank since I switched to a different Insurance this year. I don't know how I could have over drawn an account that doesn't exist. I emptied that account in XXXX. I believe this is bank fraud preying on seniors or it may be phishing scheme. I don't believe that Optum is so XX/XX/XXXX as to allow someone to overdraw on an account that is closed. This is a small amount of money that could be some internal mistake of the bank accounting fee that I should not be responsible for. thanks for your help. XXXX XXXX
10/23/2023	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	CA 900XX	Web
On XX/XX/XXXX, I used the Optum XXXX method to transfer {$560.00} to the provider account associated with an Optum bill. The provider, however, never received this payment, and I paid them afterwards using additional funds from my HSA. Optum has not credited or returned to my account the {$560.00} that I sent in error. I have tried to resolve this issue with them over the past year, starting in XX/XX/XXXX, when the provider notified me of non-payment and I first learned of the error. Optum sent me an email with the information related to the errored payment, and I asked them to credit my account with the balance, but they have failed to provide me with confirmation that it has been returned. Additionally, the balance has not been returned to my account. I am frustrated with the service I have received and would just like to have the balance credited back to my account.
03/27/2022	Yes	Checking or savings account Savings account	Problem caused by your funds being low Non-sufficient funds and associated fees	CA 92694	Web
Hi, I have an HSA account through Optum Bank. I used to be a XXXX XXXX employee when this XXXX account was created. I believe the HSA account monthly service fee was waived when I was employed at XXXX XXXX. I just recently checked the balance on my HSA and noticed I had been getting charged a XXXX fee since XX/XX/2020 which is when I left XXXX XXXX. As a consumer, I have the right to be notified that Optum Bank was going to charge a monthly service fee and I shouldve been provided the ways to avoid the monthly service fee. Unfortunately, I never received any paperwork from Optum Bank notifying me that a fee was going to be charged. Thats a violation of my rights as a consumer. I asked for a refund from Optum Bank but they said their policy only allows for 3 fees to be waived per year. Im sure theres many others as me who are also experiencing the same issue.
12/14/2023	Yes	Prepaid card Government benefit card	Unexpected or other fees	CT 060XX	Web
I had an HSA ( Health Spending Account ) in XXXX. As XXXX approached the end, I contacted Optum Bank to ask when my access and ability to charge medical costs to the card. I was told that I would have no access to the account since I had to use all of the funds I contributed to it no later than XX/XX/XXXX In the first quarter of XXXX, it turned out that the account was still active and could be used to pay for medical costs. Last month, I realized that the full turnaround from " the account is closed '' was worse than I had thought when I realized that Optum bank was charging monthly fees on the card at {$2.00} a month. To reiterate, the bank went from your account is closed and you can not use it to the bank themselves using it to get fees. I find this to be harmful to the consumer especially when it is a card intended to be used for medical expenses.
11/28/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	OK 74012	Web	Servicemember
Company was contacted XX/XX/XXXX, I said I want to move the funds out of Optum financial, I was told to go to the app and request a reimbursement. This was done, after a few weeks the funds did not arrive, I contact them again and was told it was best to close account, I was sent a form and a mailing address, the rep said this was the only option. I filled out the form and mailed it off. The funds still did not come, I contacted them and was informed it needed to be liquidated before funds could be sent out, this was not told on the previous calls. I then learned an electronic way to send it docs was available. I followed instructions to liquidate funds and was assured the check would be sent out. That was on XX/XX/XXXX. In the mean time they have taken XXXX dollars a month since XXXX when they knew I was trying to terminate the relationship shop.
03/31/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 94568	Web
I hold my FSA account with Optum Financial. I submitted a claim under my XXXX and XXXX XXXX account on XX/XX/XXXX for reimbursement. The customer support department continue to re route to different departments or try to ignore the requests than helping me resolve the reimbursement request. I held {$86.00} in my account which can be claimed if I submit the claim by XX/XX/XXXX which I did on time but still Optum Financial is not able to fix the issue and have displayed " Processing reimbursement, sent if future funds received '' although funds are present in my account. After my multiple requests to call them and wait for hours and speak to different representatives they're still not able to resolve this. Today is XX/XX/XXXX and they've forfeitured " - {$86.00} '' for no reason although I've a claim still to be processed.
06/09/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	NM 87111	Web
This is a direct follow on to previous complaint # XXXX. Optum Bank continues to falsify records about when deposits to my XXXX are actually available. Yesterday, XX/XX/2023, my bi-weekly paycheck was issued, which included a {$110.00} contribution to the XXXX. Yet, this morning, XX/XX/2023, there's no reflection of that transaction ( see attached screenshot ). But I'm sure when the statement comes out at the end of the month, Optum Bank will show that the money was available on XX/XX/XXXX. XXXX other financial institutions that receive funds from my paycheck, and they all properly show funds available this morning from yesterday 's deposits. Furthermore, in the single email I received from the previous complaint, I was promised " updates as they become available '' but I never heard anything else from XXXX XXXX.
05/24/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	GA 30121	Web
Optum bank holds my HSA funds. My employer 's benefits provider selected this bank. Optum offered an option to set up a XXXX XXXX account and link it to the Optum HSA account. This was found under Optum 's portal. I followed the steps to set up the XXXX account however when I came back to Optum a few days later they stated that they were just kidding about the XXXX account and I can not transfer my fund over to XXXX for investment. They only allow their own mutual plans. My issue is that this is not what was advertised. I contacted Optum via email on XX/XX/23 and again by phone XX/XX/23. The later person was rude, interrupting me, and placing the call abruptly on hold for several minutes. I've contacted my employer 's benefits provider but unfortunately there are no other HSA banking options other than Optum
01/26/2022	Yes	Checking or savings account Savings account	Closing an account Fees charged for closing account	DE 19808	Web
In XX/XX/XXXX I terminated my employment with XXXX XXXX. However, I chose to allow my XXXX account to remain as I had no issues with the account or its servicing. By letter dated XX/XX/XXXX from Optum Bank, it was made known that XXXX was selling its XXXX business. On XX/XX/XXXX, my funds were transferred to Optum. Trying to explore options, I submitted several questions to Optum, one of which pertained to its fees. Prior to submitting the questions by email, I had attempted to locate the information on its site. The short of the matter is that I was charged an account closing fee in the amount of {$20.00}. Optum had my funds from XX/XX/XXXX to XX/XX/XXXX not thru my choice, did not provide a list of its feesnor did I ever locate oneand notified me about the termination fee when I received the in the check.
05/18/2022	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	IL 60061	Web
I submitted the proper forms to Optum financial to transfer the balance of my XXXX XXXX balance that was held by my former employer to my new XXXX XXXX institution XXXX for my new employer. I submitted the form in XXXX and have followed up approximately 10 times and over 10 hours on those calls. One day I spent over 2 hours waiting on hold and finally demanding to speak with a supervisor named XXXX who looked at my form and assured me they would process the payment in the next few work days. That was 2 weeks ago and I've followed up a couple time with them and asked them to flag XXXX to get me an update. I have heard nothing back and my transfer has not been initiated. Their phone number always has a long wait, I've asked for my item to be escalated, but there is no movement or follow up.
11/11/2021	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	GA XXXXX	Web
On XX/XX/2021 I elected to close my Heath Care Savings Account ( HSA ) with Optum Bank. The account with Optum was established when I was working with a former employer. I wanted to move the funds to XXXX XXXX where I currently have an HSA account. To start the process, I called Optum Bank and ask for directions and they told me to contact the XXXX XXXX and start the process. XXXX XXXX contacted me today about the transfer and I learned that the process has not been completed. Calls were made ( three ) to Optum Bank to determine what the issue ( s ) were and I learned that the paperwork was not received, XXXX XXXX sent the paperwork over within a few days of receiving my competed paperwork. I then reached out to XXXX with the fax number and an Email to resubmit the paperwork.
07/13/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	IL 628XX	Web	Older American
I arranged a transfer in the amount of {$2400.00} from a personal checking account at XXXX XXXXXXXX XXXX to my Optum XXXX XXXX account on XX/XX/2023. The money was withdrawn from my personal checking account at XXXX XXXXXXXX XXXX on XX/XX/XXXX. It is not available as of XX/XX/XXXX. I have called Optum Bank on three occasions this week trying to find out when the funds would be available as I need to pay a large hospital bill in timely fashion. If the aount is not available, I can not pay the hospital bill, and I will be assessed damages for late payment. I currenty have spend nearly XXXX hours on the phone with people from Optum Bank. They acknowledge that they took the money from my personal account on XX/XX/XXXX, but can not offer any explanation as to why it is not available.
03/10/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	GA 310XX	Web
The Company in question " Optum Bank '' is a Financial Health Services company that handles our HSA. As of right now we have 9 requests for reimbursement from our HSA that has been marked as " Stop Pay '' by the company. This has been the third consecutive time this has happened and each time we have contacted the company to find out the problem. Each time we have been told that the problem has been handled and to resubmit the requests and it should go through however every 24 days it returns to being labeled as " Stop Pay ''. The HSA account itself has {$2000.00} in it and should easily cover the accumulated {$770.00} cost of the reimbursements. We had first applied for these reimbursements in early XXXX of XXXX and are coming into the forth month of struggling with this.
01/11/2023	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	VA 22030	Web
error within 60 days from the date the item first posted to my account. '' Call and fax logs to Optum Financial Bank from my cell XXXX XXXX XXXX and email XXXX indicate that I have repeatedly notified Optum Financial of this issue from XX/XX/XXXX until XX/XX/2022, less than 60 days from the unauthorized transaction posted date of XX/XX/XXXX. XXXX, a representative who handled my case, confirmed he received my unauthorized transaction dispute faxed in XXXX as well. Opened cases XXXX, XXXX, XXXX all indicate Optum is at fault for not processing my unauthorized dispute in a timely manner and falsely blaming me for not communicating promptly. Therefore, I believe CFPB should intervene and have Optum revisit my dispute and correctly refund me the {$270.00} disputed amount.
12/05/2023	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	TX 750XX	Web
I have an HSA account with Optum Bank. It has a cash portion and an investment portion with Betterment. On XX/XX/ I initiated the transfer of my investment with XXXX to my Optum HSA account. The transfer was initiated XXXX XXXX XXXXXX/XX/XXXX. Since then, my HSA account is still showing two separate accounts : cash and investment. Checked with XXXX, their answer was the transfer was done from their side. XXXX XXXX XXXX my account was updated and the investment portion disappeared XXXX XXXX XXXX. Called Optum without success. Provided account snapshots as of XX/XX/ and statements showing both accounts with right amounts. Optum is not responsive. I have reference numbers and emails showing my interaction with them. I did not receive explanation about the missing funds.
12/22/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA 94044	Web
My complaint is regarding Optum Bank. They are the provider for my XXXX. I made a payment in the amount of {$640.00} to XXXX XXXX XXXX XXXX using Optums online bill pay service. The amount was debited on XX/XX/22, but never received by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is asking for a receipt so they can look for the payment ( e.g. check #, transaction ID, etc. ). I just spoke with XXXX at Optum Bank who refused to provide me with any information I would need to find the payment or put in a claim on his end to research the payment. Now I am out the money from my Optum account and still owe the money to XXXX XXXX XXXX XXXX with no recourse for getting my money back. How can I move forward to resolve this and find out where my money is?
06/22/2023	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	NJ 086XX	Web
On XX/XX/XXXX I reached out by phone to the banks customer support line because my online access randomly was revoked preventing me from accessing my account. The company said they would resolve the issue as it was back end. Fast forward to XX/XX/XXXX after making 5-6 calls to customer support I still don't have access to my account. I just had a newborn and need to pay bills and the company refuses to fix my account issue. I have lost money waiting for them to resolve this issue as I have an HSA investment account and am required to sell investments. I raised the concern with the XXXX XXXX XXXX but they did nothing to help the situation. Since the XXXX claim it has been an additional 48 hours without a response on fixing my access issue.
09/25/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NH 03110	Web
I had submitted a claim from XXXX XXXX XXXX account for {$770.00} on XX/XX/XXXX. I received a check soon after and I thought I was all set. As we know, the XXXX funds must be spent within the XXXX 's plan year. I was sure that I had spent all the funds. But now, when I am checking again, it looks like I still have {$770.00} left on my last year 's XXXX XXXX XXXX account and I am left with no option to do anything with that amount as the claiming period already ended on XX/XX/XXXX. At the same time I can see in the transaction history that there was deduction of {$770.00} from XXXX on XX/XX/XXXX. So, it is a double whammy - My {$770.00} from my XXXX XXXX XXXX are lost and XXXX account has got a wrongful deduction of {$770.00}.
06/20/2022	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	CO 80921	Web	Servicemember
I attempted to rollover my Health Savings Account from XXXX to Optum Bank ( part of Optum Financial ). Initial rollover request was submitted to XXXX on XX/XX/XXXX. XXXX sent the check which were lost by Optum Bank and eventually cancelled by XXXX. This was repeated three times. Finally, check # XXXX dated XX/XX/XXXX for {$34000.00} ( image attached ) was received by Optum Bank and cashed. XXXX confirms they have the canceled check. The funds have never appeared in my HSA account and Optum Bank says they can't find them. I have called numerous times ( call log with reference numbers attached ) and asked this be escalated - to no avail. Optum Bank told me the only way to resolve is to file complaints with CFPB, XXXX and FDIC.
09/16/2023	Yes	Checking or savings account Other banking product or service	Closing an account Fees charged for closing account	CA 94133	Web
Hi CFPB- I am trying to consolidate my XXXX and XXXX accounts as I have XXXX of both now after a couple of jobs and then the company changing their externally used sources for both. I have transferred my XXXX account money from Optum Bank to XXXX XXXX Account. I was surprised to see Optum charge me a {$20.00} fee to make the transfer. I have found XXXX and XXXX mostly make it very difficult to close accounts and consolidate. I am never doing it because I dislike the companies- it is just because it gets out of control having XXXX accounts separately and then they separately charge their own fees. Is it ok for Optum Bank XXXX to be charging a {$20.00} fee when I am just moving my funds from point a to point b?
11/01/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	AZ 863XX	Web
Optum Bank, XXXX XXXX. I wrote XXXX checks between XXXX and XXXX All the merchants indicated the checks were returned by Optum Bank. Upon contacting Optum Bank and reviewing notices posted within my online account, I could not find any notice that paper checks can no longer be written. When I asked why, they said to check my email on file ( XXXX ) and my spam folder, and that this change went into effect on XXXX I checked and did not find a notice. I still do not see any notices posted within my online account. Nor do I see any notes within my online bank account that these checks were listed as returned. Poor communication and lack of notice has caused us to suffer returned check fees from our merchants.
02/11/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	WI 53704	Web
XXXX XXXX Account XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Doing business as XXXX XXXX, refuses to provide any explanation as to why it has not disbursed the money for the claims that I submitted on XX/XX/2022. I called on XX/XX/2022 to inquire why the money had not been disbursed. I was told it would take up to 5 business days. I called again on XX/XX/2022 and they would not disclose why the funds had not been disbursed or even give me any timeframe for the resolution. I have not been allowed access to the funds that the plan with this company establishes for 2022. I submitted a reimbursement request for {$30.00} and another one for {$150.00} on XX/XX/2022.
03/28/2022	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	MO 63128	Web
On XX/XX/2002, I tried to invest {$2000.00} in mutual funds from my XXXX account. They removed the money from my cash account, but never put the money in any investments. My cash account is down {$2000.00}, and my investment account is still {$0.00}. There is {$2000.00} missing. This has put my cash account into the negative, which means I can not use my XXXX funds to pay medical bills. My medical bills are piling up, and aren't getting paid. It is all Optum 's fault. I've called/chatted with the company 10-15 times. They keep saying they will fix it, but they haven't. They say they will call me back, but they don't. I feel like I'm at a complete loss of options for help at this point.
10/02/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	CO 80205	Web
I am trying to use my XXXX debit card to make a purchase. It denies my purchase. I have the funds to cover it. I call and ask why. They tell me its not at an approved location. No one ever told me I can use my funds only at approved locations. Then they tell me it is frozen for XXXX hours. Then I reluctantly have to wait the XXXX hours. I try to use it after the XXXX hours ant what is supposed to be an approved location and it denies again. I call again and I get the same XXXX and XXXX XXXX. Over and over I can not access my money and they keep telling me I need to wait another XXXX hours. Its been over XXXX hours and I still cant use my money and they keep XXXX XXXX with me.
06/20/2022	Yes	Checking or savings account Savings account	Managing an account Fee problem	WA 98012	Web
In XX/XX/XXXX, I left XXXX so my XXXX provider Optum Financial started to charge me Connect Your Care ( CYC ) Stand Alone Fee, which I was notified about. Starting XX/XX/XXXX, because something happened between CYC and Optum Financial, Optum stopped charging me CYC Stand Alone Fees, XXXX dollars per month. But this XXXX Optum Financial started charging me CYC Stand Alone Fee again without notifying me or updating the agreement. Starting XX/XX/XXXX I was also charged XXXX management fees XXXX dollars per month without being notified. I called them on XX/XX/XXXX, they just told me to refer to the FAQ rather than showing me supporting documents that state the charges are legal.
01/10/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MD 20854	Web
I submitted my receipt for a non covered dental service to my XXXX provider ( XXXX XXXX XXXXOptum Financial ) on XX/XX/23. The receipt clearly shows the date of services, the amount and other relevant info for XXXX XXXXeimbursement. My claim was marked pending despite all the documentation and the company is requesting non relevant EOB information. The service is not covered by dental insurance and is marked as such on the receipt and other supporting information. This is not the first time this company has denied legitimate XXXX claims and put up roadblocks for reimbursement despite sending receipts and other supporting documentation. The claim number is XXXX
11/22/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	WI 544XX	Web	Servicemember
I wanted to rollover my XXXX money from my previous employer with XXXX XXXX as my XXXX account holder, into Optum bank, to my new XXXX account. I printed out their form from the internet and sent it to XXXX XXXX to transfer the money. XXXX XXXX sent a check to Optum bank to rollover the money. Optum bank said that they did not receive the check. I contacted XXXX XXXX, and they sent me a copy of the check that was cashed by Optum Bank, with the dates and routing numbers on the check. I contacted Optum bank several times to try and resolve this issue, but all they keep saying is that the money did not go into my account, so there is nothing they can do.
05/06/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	TX 78660	Web
I submitted a previous complaint about Optum Bank making it difficult to close their HSA account. They responded quickly after the complaint was submitted and transferred the HSA funds to my new HSA provider, XXXX. However, they have used ACH instead of electronic wire or physical check. XXXX can not receive the funds through ACH due to tax implications. Optum did not follow the delivery instructions given to them by XXXX The level of incompetency at Optum Bank is unmatched. This issue needs to be resolved. However, when I reached out to Optum Bank, they did not resolve the issue and only said that a case has been opened with no resolution in sight.
03/31/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	WA 981XX	Web
I had an HSA account through my Employer with Optum Financial. I have recently retired and I am trying to consolidate the balance of that HSA account into my XXXX HSA Account. I followed thier instructions and filled out the transfer form, mailed it to them ( weeks ago now ) and they tell me today it will be 5-6 weeks to get my money transferred, without getting any interest while I wait, and I may have to pay some undetermined fees to get my money. This is rediculous. There is no reason they can not transfer my money via EFT to my XXXX account immediately. Can you help me? Optum Financial XXXX Thanks XXXX XXXX XXXX XXXX XXXX
02/02/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NJ 072XX	Web
On Friday XX/XX/2022, I initiated a transfer of funds out of Optum Bank. On Tuesday XX/XX/2022, I received an email from an Optum Bank Risk Analyst that there was an issue. I responded to the email approving the transfer. On Wednesday XX/XX/2022, Optum Bank reversed the transfer and locked my account. I then spent over 5 hours on the phone attempting to resolve the issue and to have the funds sent immediately as requested. However, Optum Bank advised that they are unable to do so. Optum Bank prevented me from accessing my money and is still in control of said funds. I am unable to access this money as requested on XX/XX/2022.
08/22/2022	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	PA 19147	Web
My employer uses OptumBank to manage XXXX account funds. They charge a {$1.00} quarterly fee for any mailed statements. In early XXXX after receiving my first quarterly statement and noticing the fee, I changed my elections to online only. In XXXX I transferred the assets out to another custodian that I prefer, and they closed the account without my permission. I complained at that time about the closing and they reversed the closure on XX/XX/XXXX. In doing so they did not restore my preference for online statements and defaulted back to mailed statements which caused a second {$1.00} fee to be assessed on XX/XX/XXXX.
09/21/2021	Yes	Checking or savings account Savings account	Managing an account Banking errors	TX 76116	Web
My previous HSA account holder, XXXX XXXX sent my account balance to Optum Bank for a trustee to trustee transfer. The check was for {$48000.00} and XXXX XXXX showed the check as being cashed on XX/XX/XXXX. However, Optum Bank has not credited my account with the balance as of XX/XX/XXXX and has been unable to locate the funds. I've reached out to their customer service multiple times and had cases opened and closed with no resolution. Representatives have refused to escalate my case to a manager to help, and have promised managers would call me back but they never have. My money is missing to this point.
11/20/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	MD 21228	Web
I wrote a check to my doctor 's office against my Optum account, which had sufficient funds. My doctor 's office informed me that the check was returned unpaid, and assessed a { {$30.00} } returned check fee. I reached out to Optum three times, asking them to reimburse me for the fee, which was caused by them. They advised that they stopped honoring checks against Optum HSA accounts, but they never gave me notice of this. They have refused to make me whole despite failing to honor my check. I have attached messages with them attempting to resolve this, but they made no meaningful effort to make it right.
08/30/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	AL 354XX	Web
I wrote a check to my doctor 's office against my XXXX account, which had sufficient funds. My doctor 's office informed me that the check was returned unpaid, and assessed a {$35.00} returned check fee. I reached out to XXXX XXXX twice, asking them to reimburse me for the fee, which was caused by them. They advised that they stopped honoring checks against XXXX accounts, but they never gave me notice of this. They have refused to make me whole despite failing to honor my check. I have attached messages with them making two attempts to resolve this, but they made no meaningful effort to make it right.
11/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	CO 80601	Web
I called them today to have them change the address. They refused to accept the info to send me new card since this card was expired. The card was from XXXX XXXX for the XXXX... money goes into the card for medical purposes so when I tried to use it last XXXX or XXXX, 2021. It was not working. The money is still there..about {$330.00} or under. The call staff wont mail me the new credit card and wont change my current address. They have my old address which I do not even remmy which address they had. They refused help me further and are WITHHOLDING MY XXXX MONEY! My own money!!
11/18/2020	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	OH 45840	Web
I opened an HSA ( Health Savings Account ) with OptumBank. I attempted to fund the account with the maximum contribution limit of {$7100.00}. Somehow, the transaction was processed twice and my account was debited twice. No pending transactions were listed on my account management page at the OptumBank website and my account balance registered as {$0.00}. When I contacted OptumBank about the error, they told me there was nothing that could be done and that I would be charged as making an excess contribution. They could not tell me where the excess funds went or why this occured.
10/23/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	MA 02302	Web	Older American
I call Optum Bank the bank provide the card I put every monts many in the card my company I work put same many but I call the bank I see transaction suspicios and the bank say the bank reemplace card this accion i do 3 mont ago end recibing card the same nomber have complain in i call secontime say the card is the same i have and bank say make mistake end resend new cards but the no recibing card and tray to speack againg no attended not have nating information and close my account and have many in the card i dont no wats i need to do thank you. I am sory for my Engles.
02/17/2022	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	CO 80403	Web
Optum Financial opened an account under my name without my consent. I've tried to get them to close it, but they want all of my personal information, or register on their site in order to close an account I never opened. I told them they just need to close the account because I never opened it. I don't not have the account information because I never opened the account, but they keep emailing me at work regarding my Optum account. This is an XXXX account which I have repeatedly told my employer I DON'T WANT. I never agreed or consented to an account with Optum/
02/24/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	WA 980XX	Web
I am writing in regards to 10 approved but unpaid claims on my HSA account with Optum Financial. The claims were filed more than 7 weeks ago ( between XXXX and XXXX XXXX ) and have all been approved since XXXX. The 10 claims total over {$550.00} and I have called customer care 4 times ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and every time I am given a new case/ticket no. but with zero updates or progress. Previous tickets have been closed without any resolution and every time a new ticket is created with no updates. Requesting help with my payments.
05/24/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	FL 33054	Web
Optum Bank DBA Optum Financial is the XXXX of my Health Savings Account Case # XXXX I closed my Health Savings Account and requested my funds be deposited into my account. The account on file as closed, so the bank returned the deposit {$350.00}. For almost 2 months I have called and I have been told different things by different representatives. I was told that a check was mailed last month. I was told yesterday XX/XX/2022 that the XXXX would deposited into the account today XX/XX/2022. Nothing has happened. I still don't have my funds
01/25/2022	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	IN 46033	Web
I initiated a trustee to trustee transfer from my health savings account with Optum XXXX. I specifically requested a certain amount be transferred to a new trustee and that Optum XXXX do not close my account. Optum XXXX transferred a different amount than what I requested in my written form. Optum XXXX does not know what to do and doesn't know that consumers can perform trustee to trustee transfers WITH OUT closing their account. I am not sure I am comfortable with them holding my money if they can't read and follow instructions.
06/23/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	GA 30076	Web	Older American
Optum Bank took over the XXXX XXXX Reimbursement Accounts from XXXX XXXX at the end of XXXX. The money was supposed to be transferred from XXXX XXXX on XX/XX/ to Optum Bank. Attached is a copy of the transaction history from XXXX XXXX. It shows {$29000.00} being processed on XX/XX/. That money never showed up at Optum Bank. I have been working with Optum Bank for over 2 months but no resolution. I never get a call back, when I call they open another ticket and say wait 3-5 business days. Nothing appears to be happening.
03/14/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NY 10014	Web
I had put money into a transportation reimbursement account through XXXX, my old job 's payroll vendor, which was managed by Optum Bank. I had {XXXX} left in the account when the firm I worked for shut down. At some point in XX/XX/2021 Optum Bank said they had returned my money to my old employer, but my old employer no longer existed. I have tried multiple times to get a straight answer about where my money is and have never received one. I followed up with XXXX and they said that the money was irretrievable.
04/25/2023	Yes	Checking or savings account Savings account	Closing an account Funds not received from closed account	TX 75023	Web
My HSA with Optum financial was closed on XX/XX/23 because my employer has moved over to a new custodian and I requested a roll-over of my funds approximately {$25000.00}. I received an email confirmation of account closure and it was stated the funds will be released in XXXX business days. When I contacted customer service on XX/XX/23, I am being told that it will take up to 8 weeks to get the funds. I would like to know if the bank is allowed by law to keep my money up to 8 weeks after closing my account?
01/26/2022	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	WA 98118	Web
The fee schedule on the account is {$3.00} a month if minimum balance is below {$3000.00}. I have maintained a balance above {$3000.00}. They have been charging me {$2.00} monthly maintenance fee. I called ( repeatedly ) and they finally emailed me back that the fee schedule is $ 2.50/month if minimum balance is under {$5000.00}. The policy they are charging me for is not the policy listed on my account on their website. I suspect they have probably done similar to thousands ( or even millions ) of customers.
07/13/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	TX 78006	Web
I currently have an XXXX with Optum Health Bank and they are not accepting my weekly payroll deposit into my account even though the funds are withdrawn from the company bank. It is even stated clearly on my check that the funds have been submitted to Optum for deposit. Optum continually refutes this problem and denies that a deposit has been made. Our company and company bank states that the money has been withdrawn from the account and deposited, our payroll concurs as stated on payroll slip.
03/12/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CO 80922	Web
XXXX XXXX XXXX They created a plan for my husbands XXXX XXXX and charged {$2300.00} for it and XXXX weeks later said they were closing and they couldn't issue refunds but to transfer care to their siblings practice. Called OPTUM financial on XXXX XXXX XXXX and was told a form would be emailed in XXXX hours. Never received the form. XX/XX/XXXX call reported a dispute and was told XXXX hours but never came. XX/XX/XXXX was told the form was sent yesterday to husbands email...
07/21/2023	Yes	Checking or savings account Savings account	Closing an account Can't close your account	NM 87111	Web
On XX/XX/2023, I instructed Optum Bank to close my HSA account. The balance at that time was {$0.00}. I requested written confirmation of account closure to be sent via USPS first-class mail within one week ( no later than XX/XX/2023 ). It has now been three weeks since I instructed Optum Bank to close my account, and I have yet to receive any written confirmation from them. This is unacceptable, and is yet another example of Optum Bank 's poor customer service.
12/29/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble using the card to spend money in a store or online	CA 92883	Web	Older American
A {$75.00} charge from XXXX XXXX on XXXX was cancelled but Optum Mastercard debit card won't return my balance back to my card. I had a three way phone call with myself, XXXX XXXX and Optum bank on XXXX that I though had cleared up this matter but as of today XXXX their has been resolution. Customer service tells me that matter has been expedited but no one has tried to contact me. Nor have they credit back my {$75.00} please help.
01/03/2023	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	TX 78006	Web
I had XXXX XXXX account with Optum Financials. For more than XXXX XXXX XXXX or even longer time, evey time when I tried logged into my account, there was problem with my login. Either I have to reset my password, or I have to call them to reset my account. It has been wasted me so much time to call them again and again. If they can not do the job, then close their business, and let other banks that can do it to take care of it.
11/09/2021	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	AZ 85018	Web
I requested a transfer of my XXXX from Optum XXXX to XXXX XXXX on XX/XX/2021. As of XX/XX/2021 the account still has not been transferred and when both XXXX XXXX and myself call we are told it is still awaiting approval. In the meantime, Optum XXXX has been charging a monthly fee, which I would not pay at the new provider. Thus, there have been two monthly fees attached along with my XXXX not being transferred.
09/13/2022	Yes	Checking or savings account Savings account	Closing an account Can't close your account	CA 92612	Web
have sent official bank closure letter signed dated and with identification all provided. My attorney looked over it before it was sent. Optum bank has refused to close my XXXX account and mail me a check for my balance as indicated. It has been no less than 3 calendar months of attempts to get resolution, but still nothing. Please help me get my money! Shadiest financial institution I have ever encountered!
05/01/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	WI 549XX	Web
am trying to transfer my funds from an existing XXXX account to a new one and they have given me 2 different dates that they issued checks yet I have not received either one of them. My money has been gone from their account since XX/XX/XXXX. I do not have the funds, can not use it to pay medical bills and am losing interest on this amount. Every time I contact them the check and time I will receive it changes,
01/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 95762	Web
Optum Financial opened Account XXXX XXXX without my consent. I never gave consent to open the account, nor should they have any of my information. They wont let me close the account without verifying said information they should have. One of the questions is if there is anyone else tied to the account... how should I know this if I never opened the account in the first place? They refuse the close the account.
02/10/2021	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	IN 469XX	Web	Older American
Optum Bank is the custodian of my HSA. I can not access online as required-the account remains locked after several days of active effort by phone. Five years ago also, but I gave up, not needing the funds. {$1800.00} is available but not the {$150000.00} in " investments ''. I am XXXX yrs old possibly in cognitive decline. I've not learned to use computer well. All I need is reasonable accommodation.
09/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MN 558XX	Web
On XX/XX/XXXXXXXX Optum Financial approved my medical claims and repayment was made to my FSA XXXX account ; however, Optum Financial has failed to update my balance to reflect these payments and continues to show the same negative balance, triggering collection efforts from my employer XXXX XXXX XXXX XXXX XXXX for {$480.00}. My repeated efforts to correct this problem have met with failure.
06/14/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	FL 32832	Web
I have a FDIC account in my HSA ( health savings account ) with Optumbank. Website does not work and has been down for days. Called customer service ( XXXX ), and supervisor ( XXXX ) to access funds. They did not help. Only stated i could try to access website some other time. Not acceptable to prohibit access to an FDIC account for days. Please investigate Optumbank.
09/19/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 92683	Web
Optum Bank continually denies eligible purchases for the HSA. They will continue to send emails asking for receipts even though they have been submitted several times. Customer service is useless and tells you to email the receipts which does not work either. Then after months of this run around they suspend your card. This company is scamming consumers.
10/22/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	TX 76012	Web	Servicemember
Initiated a xfr of funds ( {$2000.00} ) from XXXX checking acct to my Optum Bank acct on Monday XXXX XXXX. As of XXXX XXXX the funds are still not available to move from Optum to my outside XXXX XXXX brokerage acct, This is nonsense that simple, cleared, cash funds are not available within one day for TRANSFER not WITHDRAWAL to my brokerage acct.
08/17/2023	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Can't stop withdrawals from your account	IL 60067	Web
Optum Bank has been charging me {$3.00} for account " service charges '' for my former company 's HSA savings account from XXXX of 2023 to current day without my knowledge. I would like to file a complaint to get them to be more transparent to their customers as to what will happen if their account is no longer serviced by an employer.
08/12/2020	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	CA 94070	Web
Optum bank has lost payments, let unconfirmed payments to providers sit in escrow for more than 90 days without notifying me, and is refusing to cancel rejected transactions and credit my account. Additional payments have been 'lost ' and are untraceable leaving me with credit damage and without audited account debits
10/26/2023	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	TX 78741	Web
Have tried multiple times by phone and through the banks online contact page to get {$3000.00} in fraud charges removed from my HSA savings account. The bank issued a debit card on the account which I never received. I did get the card stopped, but the bank refuses to respond to the fraud reversals.
08/11/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	TX XXXXX	Web	Servicemember
I requested a {$36.00} payment to my dentist and attached the invoice. They are fusing to issue payment and are demanding an explanation of benefits from my insurance provider and that this is an IRS requirement. This is not a requirement from the IRS ( please reference IRS Publication 502 ).
11/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CO 80226	Web	Servicemember
I filed a complaint already that the Optum Financial was falsely filing charges against my account. After they received your notice they fixed the problem. Then I closed the account and twice theyve told me they would send me the amount in my account. And twice they have refused.
10/13/2023	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	DE XXXXX	Web
Compensation in regards to missing funds from XX/XX/2023 to XX/XX/2023 total amount of funds missing was {$1200.00} it turns out XXXX XXXX used XXXX XXXX XXXX third party vendor failed to timely process the funds refunded on XX/XX/2023 and funds did not return until XX/XX/2023.
09/17/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	DE XXXXX	Web
XXXX reversed XXXX XXXX separate payments on XX/XX/2023 in the total amount of {$1200.00} as of today these funds have NOT been returned to my utility spending account. I have just learned that XXXX XXXX uses a thirty party payment vendor called XXXX owned by XXXX XXXX.
09/21/2023	Yes	Credit card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	OH 45424	Web
I attempted my card at a drugstore in my home town for a medical ailment that Optum bank should be well aware that I have and since I have used other times for supplies for the same ailment. I have over XXXX of funds on the card they are my funds that I deposited.
09/20/2023	Yes	Prepaid card Government benefit card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	DE XXXXX	Web
XXXX reversed XXXX XXXX separate payments back to my Utility Benefit Spending Account this a is a government related benefit by XXXX and XXXX XXXX refuses to return the funds to my Utility Benefit Spending Account and total amount due to be returned is : {$1200.00}
02/11/2022	Yes	Money transfer, virtual currency, or money service Traveler's check or cashier's check	Lost or stolen check	TX 799XX	Web
I have called multiple times since the beginning of XX/XX/XXXX regarding a check that was supposed to be issued XXXX business days after the stated date. They institution keeps giving me the run around regarding that check and i have yet to receive those funds.
10/17/2023	Yes	Prepaid card Government benefit card	Trouble using the card Trouble using the card to pay a bill	DE XXXXX	Web
I recently had a issue with my XXXX XXXX XXXX XXXX XXXX what happened is that on XX/XX/XXXX XXXX refunded twenty five separate transaction payments back to my Utility Spending Account but it did not get returned to that account until XX/XX/XXXX XXXX
09/02/2021	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	NY 137XX	Web
My previous employer allowed me to open an HSA account. I have since left that employer. The HSA account is now charging me $ XXXXmonth and the bank Optum Bank refuses to close the account. I just want the accounts closed and my {$3.00} refunded.
12/08/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	PA 173XX	Web
This is a XXXX ACCOUNT.. THEY LOCK MY ACCOUNT THST I USE FOR MEDICAL .. Money is taken from pay check. Communication XXXX., there over {$2000.00} in the account they lock up make it hard to pay for medical bills and XXXX bills
12/07/2021	Yes	Checking or savings account Savings account	Closing an account Company closed your account	IL 60193	Web
Optum bank closed my H.S.A account on XX/XX/XXXX. They checked in their records and they confirmed I did not authorize this. Optum also has withheld a {$220.00} deposit from XX/XX/XXXX and has thus far not returned these funds.
03/29/2022	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	TX 75024	Web
My Optum HSA accountXXXX has closed since XXXX, XXXX. I made several attempts for Optum bank to issue me {$500.00} refund check for the credit balance. The bank refuse to give me any tracking number or expedite my issue.
11/20/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MI XXXXX	Web
From XXXX through XXXX, There were unauthorized electronic payments and transfers to various Banks created through Optum XXXX using my Business Tax ID, Group XXXX and Individual XXXX Numbers as a XXXX XXXX XXXX
09/13/2022	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	CO 80226	Web	Older American, Servicemember
Optum bank charged my account for {$100.00} on 3 seperate occaisions. XX/XX/2022, XX/XX/2022, and XX/XX/2022. Then teice for {$200.00} on XX/XX/2022 and XX/XX/2022. Ive filed disputes with them to no avail.
12/11/2020	Yes	Checking or savings account Other banking product or service	Opening an account Confusing or missing disclosures	CA 92691	Web
I'm moving to XXXX for employment and they offer HSA through Optum Bank. Both XXXX and Optum Bank say the other party should be providing me with a full and complete schedule of fees.
10/18/2023	Yes	Prepaid card Government benefit card	Trouble using the card Trouble using the card to pay a bill	DE XXXXX	Web
XXXX returned {$1200.00} to my Utility Spending Account on XX/XX/2023 but the funds went missing for XXXX full months and did not return to the account until XX/XX/2023.
01/29/2024	Yes	Checking or savings account Checking account	Closing an account Can't close your account	FL 346XX	Web

01/26/2024	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	NJ 07302	Web

01/25/2024	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	WA 98115	Web

01/25/2024	Yes	Prepaid card Government benefit card	Trouble using the card Trouble getting information about the card	DE XXXXX	Web

01/24/2024	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	NY 14217	Web

01/20/2024	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	MD 20832	Web	Older American

01/20/2024	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	IL 60660	Web	Older American

01/20/2024	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Unexpected or other fees	WA 98686	Web	Older American

01/19/2024	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	NY 10036	Web

01/18/2024	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MD 20832	Web	Older American

01/16/2024	Yes	Prepaid card General-purpose prepaid card	Trouble using the card Trouble getting information about the card	CA 92040	Web	Older American

01/11/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32092	Web

01/10/2024	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NC 275XX	Web	Older American, Servicemember

01/08/2024	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	IA 50131	Web

01/08/2024	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	NE 69138	Web

01/05/2024	Yes	Checking or savings account Savings account	Managing an account Banking errors	KY XXXXX	Web

01/04/2024	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	MD 20832	Web	Older American

01/04/2024	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	MD 20832	Web	Older American

01/03/2024	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AZ 85013	Web

01/03/2024	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	MN 55439	Web

01/02/2024	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	TX 782XX	Web

01/02/2024	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	MD 20832	Web	Older American

01/02/2024	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CT 06611	Referral

01/02/2024	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	CT 06479	Web

12/26/2023	Yes	Credit card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	KS 66213	Web

12/25/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	MD 20832	Web	Older American

12/22/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NJ 076XX	Web

12/22/2023	Yes	Prepaid card Government benefit card	Problem getting a card or closing an account Trouble closing card	IL 603XX	Web

12/21/2023	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	KS 672XX	Web	Older American

12/20/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MD 20832	Web	Older American

12/20/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	GA XXXXX	Web

12/20/2023	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	MD 20832	Web	Older American

12/19/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OH 452XX	Web

12/18/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 92040	Referral

12/12/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	NJ 07070	Web

12/11/2023	Yes	Prepaid card Government benefit card	Unexpected or other fees	TX 77070	Web

12/08/2023	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	CA 94582	Web

12/06/2023	No	Checking or savings account Other banking product or service	Closing an account Can't close your account	CO 80215	Referral

11/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32092	Web

11/22/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 90254	Web

11/17/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	GA 30067	Web

11/17/2023	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Non-sufficient funds and associated fees	NJ 07901	Web

11/14/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	NY 11373	Web

11/07/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CO 80215	Referral

11/03/2023	Yes	Checking or savings account Savings account	Managing an account Banking errors	WA 98671	Referral

10/25/2023	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	AL 36116	Web

10/23/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	TX 78218	Web

10/20/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	VA 22209	Web

10/17/2023	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	CA 92109	Referral

10/15/2023	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	AZ 85298	Web

10/09/2023	Yes	Checking or savings account Savings account	Managing an account Banking errors	CO 80908	Web

10/09/2023	Yes	Prepaid card Gift card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TX 78749	Web

10/09/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 94553	Web

10/06/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	ID 83858	Web

10/03/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	DE 19901	Web

09/27/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33706	Postal mail	Older American, Servicemember

09/25/2023	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	MN 55106	Phone

09/21/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	TX 75109	Web	Older American

09/20/2023	Yes	Checking or savings account Savings account	Problem caused by your funds being low Late or other fees	GA 30345	Web

09/09/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	DE 19901	Web

09/06/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MO 64157	Web

09/06/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	MD 21755	Referral

08/30/2023	Yes	Checking or savings account Other banking product or service	Problem caused by your funds being low Late or other fees	PA 17078	Phone

08/26/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	UT 84127	Web

08/25/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	DE 19901	Web

08/25/2023	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	VA 22310	Web	Servicemember

08/17/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NH 03055	Referral

08/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Overcharged for something you did purchase with the card	CO 80134	Phone

07/24/2023	Yes	Checking or savings account Savings account	Managing an account Fee problem	WA 98144	Web

07/21/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	NJ 07661	Web Referral

06/28/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	TX 76401	Web

06/28/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	CA 94121	Web

06/10/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	NY 10021	Web

06/07/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	MD 21755	Referral

06/01/2023	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	FL 33771	Referral

05/25/2023	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	MD 21755	Phone

05/24/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	IN 46375	Web	Servicemember

05/23/2023	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	NJ 07760	Web

05/22/2023	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	MI 48168	Web

05/18/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	WA 98052	Web

05/16/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	TX 75214	Web

05/12/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	FL 34120	Web	Older American, Servicemember

05/11/2023	Yes	Checking or savings account Checking account	Managing an account Cashing a check	FL 32937	Web

05/09/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	NM 87111	Referral

04/28/2023	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	NJ 07302	Referral

04/24/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	FL 32828	Web

04/23/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	CA 95252	Web

04/19/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32836	Web	Older American, Servicemember

04/14/2023	Yes	Checking or savings account Savings account	Closing an account Can't close your account	MT 59404	Web

04/13/2023	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	IN 46321	Referral

04/12/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	TN 37920	Web

04/07/2023	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	VA 20120	Web

04/03/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	CA 90025	Web

03/22/2023	Yes	Checking or savings account Savings account	Closing an account Company closed your account	CO 80537	Web

03/07/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	MD 20832	Referral

03/04/2023	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	AZ 85257	Web

03/03/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MI 48723	Web

03/02/2023	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	MD 20855	Web

03/01/2023	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	NY 11201	Web

02/15/2023	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	NY 14226	Web

02/10/2023	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	IN 46702	Referral

02/07/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MI 48103	Web

01/26/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	KY 40509	Web

01/19/2023	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	OH 43615	Referral

01/11/2023	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	TX 76013	Web

01/08/2023	Yes	Checking or savings account Other banking product or service	Opening an account Didn't receive terms that were advertised	CO 80921	Web

01/02/2023	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	AZ 85331	Web

12/06/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	TX 77070	Web

11/18/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MD 20854	Web

10/17/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MO 631XX	Web	Older American, Servicemember

10/13/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MI 48069	Referral

10/05/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	AZ 85331	Referral

09/29/2022	Yes	Checking or savings account Savings account	Managing an account Fee problem	WI 53211	Referral

09/21/2022	Yes	Checking or savings account Other banking product or service	Opening an account Confusing or missing disclosures	CA 93221	Referral

09/17/2022	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	CO 80210	Web

08/30/2022	No	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CT 06906	Web Referral

08/07/2022	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	IN 46526	Web

08/01/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	WI 53718	Phone	Older American

07/22/2022	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	CO 80204	Web

07/12/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	IL 61701	Postal mail

06/02/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Late or other fees	OH 43512	Phone

05/20/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	DC 20003	Postal mail

05/17/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	IL 61701	Referral

05/16/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NJ 08050	Referral

05/09/2022	Yes	Checking or savings account Savings account	Managing an account Problem accessing account	MN 55110	Referral

05/03/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	AZ 85611	Referral

04/25/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	TX 78240	Web

04/15/2022	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	TX 78660	Web

04/01/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	SC 29715	Web

03/30/2022	Yes	Checking or savings account Savings account	Closing an account Can't close your account	AZ 85260	Referral

03/23/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	NY 11959	Web

03/03/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MO 64058	Referral

02/23/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	CO 80112	Web

02/22/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MD 20854	Web

02/19/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	MN 55417	Web

01/22/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MN 55068	Web

01/21/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TN 37128	Referral

01/21/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 78726	Referral

01/13/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MN 55068	Web

01/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 91602	Postal mail

01/10/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CO 80222	Web

12/21/2021	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	MD 21901	Referral

12/20/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	OH 43004	Web

12/18/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92106	Referral

12/10/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CT 06498	Referral

12/03/2021	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	TX 75234	Web

11/30/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	MI 49682	Referral

11/13/2021	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	AZ 85749	Web

11/10/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CA 93314	Web

10/05/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32931	Referral

09/28/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 78660	Web

09/07/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 90703	Referral

07/17/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	VA 22207	Web

07/12/2021	Yes	Credit card or prepaid card Government benefit card	Trouble using the card Trouble using the card to spend money in a store or online		Phone	Older American

07/07/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Late or other fees	CA 94510	Referral

06/18/2021	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	IA 52402	Referral

06/11/2021	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NY 10025	Web

06/04/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Wrong amount charged or received	AR 72956	Web

05/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

05/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	UT 84098	Web

05/25/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	TN 37130	Phone

05/05/2021	Yes	Checking or savings account Checking account	Managing an account Fee problem	AZ 85296	Referral

04/07/2021	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	TX 75231	Referral

04/02/2021	Yes	Checking or savings account Savings account	Managing an account Fee problem		Phone

03/15/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	GA 30350	Referral

03/12/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AZ 86325	Referral

02/01/2021	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	WA 98686	Postal mail

01/19/2021	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	MA 02143	Web

01/04/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CO 80233	Phone

12/17/2020	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	XXXXX	Web

12/17/2020	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	IN 46962	Referral

10/01/2020	Yes	Checking or savings account Savings account	Closing an account Fees charged for closing account	CA 94107	Web

10/01/2020	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account		Phone

06/28/2020	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	VA 20171	Web

06/12/2020	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	PA 17022	Phone	Older American, Servicemember

05/19/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	CA 91016	Phone	Older American

05/06/2020	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	MN 55112	Referral