Complaint sub-issue: Unable to open an account

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.