Credit card -- Getting a credit card -- Complaint #7540080
Complaint Overview
Complaint ID: 7540080
Company: Optum Bank, INC.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Problem getting a working replacement card
State: New York
ZIP Code: 10029
Date Received: 2023-09-12T12:00:00-05:00
Date Sent to Company: 2023-09-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
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.
Frequently Asked Questions
What is Complaint #7540080 about?
Complaint #7540080 was filed against Optum Bank, INC. regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2023-09-12T12:00:00-05:00.
How did Optum Bank, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Optum Bank, INC.?
Yes, visit the Optum Bank, INC. company profile at readthecomplaint.com/company/optum-bank-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.