Checking or savings account -- Managing an account -- Complaint #8143734
Complaint Overview
Complaint ID: 8143734
Company: Optum Bank, INC.
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed
State: North Carolina
ZIP Code: 275XX
Date Received: 2024-01-10T12:00:00-05:00
Date Sent to Company: 2024-01-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
On XXXX, I submitted a claim for {$1100.00} against my XXXX XXXX, which at the time showed {$2900.00} available. This claim was for my XXXX annual payment of my XXXX supplement type XXXX XXXX, with XXXX XXXX. I submitted the claim online, and included a copy of the bill for {$1100.00}, and, for proof of payment, a copy of a page from the XXXX XXXX website showing my policy was paid to XX/XX/XXXX. I even high lighted the paid to date. At XXXX XXXX Tuesday XXXX, I received an email that Optum Bank calls " advice of deposit ''. This is a very meaning less email because it fails to mention which claim it is associated with. It tells you to check your account to see which claim has been paid. When I checked my account I did not see any new claim marked paid, but later saw they had debited my XXXX the amount of the {$1100.00}, showing a balance of {$1800.00}. Therefore, I assumed they were in the process of paying that claim. Today XX/XX/XXXX, at XXXX XXXX, I received an email saying my claim had been denied. When I checked my account, my XXXX balance is back to {$2900.00}, and the details of the claim show it was denied due to lack of proof of payment. This is even though My documents submitted with the claim show the policy is paid until XXXX
Frequently Asked Questions
What is Complaint #8143734 about?
Complaint #8143734 was filed against Optum Bank, INC. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2024-01-10T12:00:00-05:00.
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.