BANK
INSUFFICIENT VOLUME · DIRECTIONAL ONLY
Complaint rate · per 1,000 customersscale 0–10
Sector median 0.48 · Lowest in dataset 0.21
Complaint volume is below the threshold for confident scoring — position against peers shown is directional only.
Methodological confidence: DIRECTIONAL · n=780 complaints over 14 years
Customer ratio
1 in 2,056
customers filed a federal complaint
Resolved with relief
2%
received monetary or non-monetary relief
Daily volume
0.4
complaints per day · 2011–2025 average
2.3× the rate of WEBSTER BANK, NATIONAL ASSOCIATION (lowest); 1.0× the sector median.
24-month trajectory · monthly complaint rate
Where complaints concentrate · top 3 product categories
Checking & savings
0.38/1k
615
Money transfers
0.08/1k
121
Credit cards
0.02/1k
38
5 nearest rates in scored dataset
0.45/1k
0.48/1k
0.49/1k
0.53/1k
0.54/1k
Federal data sources
CFPB↗OCC↗FDIC↗FTC↗Independent analysis · not affiliated with any government agencyWHAT THIS MEANS FOR YOU
OPTUM BANK, INC. is a low-risk institution based on federal complaint data.
At 0.49 complaints per 1,000 customers, this institution is below our low-risk threshold of 0.50 — placing it among the better performers in our dataset of 2,333 scored US financial institutions. Complaint rates are normalised for institution size, so this score is directly comparable across banks large and small.
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Always review your specific product category and the complaint breakdown below, as overall rates can mask issues in specific areas like credit cards or mortgages.
Most common words in federal complaints about OPTUM BANK, INC.
fundscheckhsamoneyaccessneveragainxxxxyearemployertimes
Extracted from 427 consumer complaint narratives · CFPB database
Complaint Profile
Rate / 1,000 customersCFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.0.49/1k
Total complaints (2011–2025)Total complaints filed with the CFPB since 2011. Use the rate above for a fair cross-institution comparison.780
Year-on-year changeChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.+13%worsening
Timely response rate% of CFPB complaints answered within the required timeframe. Below 90% indicates the institution is failing basic regulatory obligations.98.1%
Complaint rate normalised per 1,000 estimated customers. Lower is better. National median ≈ 0.30/1k for well-rated institutions.
Regulatory Enforcement Record
OCC (Office of the Comptroller)
Federal Reserve
CFPB (Consumer Financial)
FinCEN (Anti-money laundering)
FTC (Federal Trade Commission)
HUD (Mortgage Review Board)
GSE Suspension
○ No enforcement actions found across 7 federal agencies. Grey dots indicate no formal regulatory action on record.
Financial Health Indicators
Net charge-off rateLoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.0.33%✓ healthy
Tier 1 capital ratioCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher means a stronger buffer against losses and financial stress.17.0%✓ adequate buffer
Loan loss reserve ratioFunds set aside to cover anticipated loan losses. Higher reserves suggest the institution expects deteriorating credit quality ahead.0.81%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
Top Complaint Categories
6000%
1130%
370%
Breakdown of complaint types filed with the CFPB by customers of this institution. Use this to understand which products or services generate the most problems.
Timely response rate98.1%✓ good
% of CFPB complaints answered within the required timeframe. Below 90% is a warning sign.
Risk Flags
✓ No risk flags identified across 21 data sources. This institution has no recorded government bailouts, regulatory enforcement, GSE suspensions, or federal litigation.
Data Sources Used (23 Layers)
●CFPB Complaints
●OCC Enforcement
●Fed Enforcement
●CFPB Enforcement
●FinCEN / AML
●FDIC Failures
●HMDA Denial Rates
●CRA Rating
●TARP Bailout
●Call Report (NCO/T1)
●DFAST Stress Test
●FTC Enforcement
●HUD MRB
●GSE Suspension
Green = data available for this institution. Grey = source exists but no data for this institution in that category.
FULL DATA BREAKDOWN
COMPLAINT RATECFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.
0.49/1k
National median ≈ 0.30/1k
Source: CFPB →ⓘDirectional confidence
YEAR-ON-YEAR TRENDChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.
↑ 13%
Worsening trend
NET CHARGE-OFF RATELoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.
0.33%
Loan losses written off
Source: FDIC Call Report →TIER 1 CAPITAL RATIOCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher = stronger buffer against financial stress.
17.0%
Regulatory min ≈ 10%
Source: FDIC Call Report →CRA RATING
Outstanding
Community Reinvestment Act · FFIEC
BETTER-RATED ALTERNATIVES
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Read the guide →Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›