Checking or savings account -- Problem caused by your funds being low -- Complaint #7882205
Complaint Overview
Complaint ID: 7882205
Company: Optum Bank, INC.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Non-sufficient funds and associated fees
State: Maryland
ZIP Code: 21228
Date Received: 2023-11-20T12:00:00-05:00
Date Sent to Company: 2023-11-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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.
Frequently Asked Questions
What is Complaint #7882205 about?
Complaint #7882205 was filed against Optum Bank, INC. regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2023-11-20T12:00:00-05:00.
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 (Checking or savings account) 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.