Consumer complaint received 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OPTUM BANK, INC. (NY)

I was contacted by XXXX who requested additional information from me. I provided the information. He gave me fake email address that doesn't work. I have verified by my phone recordings that i did put the email address as he articulated. i made XXXX aware of this and he still provided non working email. I have not recipient a call back or any updates as to my application and its been almost 2 weeks or more. I contacted Optum today and I spoke with XXXX who said she was told not to communicate with my organization Or give me any information. I question this adverse action but she said she was told by Legal. I asked to speak to legal and she denied me request. I asked for a supervisor and She refused to transfer me to a supervisor. She had no idea who XXXX was and told me that my application was transferred outside of Optums domain but then reneged that when i ask for the chain of custody or who has the application. She then said it was the same company but i should contact legal. I asked how to contact legal and she said she dont know. I explained to her that i have been trying for weeks unsuccessfully and if she exist internally in the organization and dont know to contact legal that there should be no realistic expection of me reaching someone. She then told me to continue speaking to who i have been speaking to as leagl is handling the case. I told her i have only been speaking to XXXX who has not returned my several phone calls in long period of time or provided me with a working address. I was then again told i will not be provided any information ( reason for the denial, accepted billing methods at the time of application, prospectus, chain of custody of my application and security, who is XXXX XXXX, how to contact legal, mailing address etc ) as she is under instruction not to communicate with my organization. She said her team is not handling my application and proceeded to hang up the phone on me after i informed her that all my affidavits remained unanswered, and unrebbutalled which dissolved the matter in my favor under the maxins of law and i am fully standing in all my rights as per UCC 1-308 and the United States Book of Codes. At this juncture of time i do not understand the nature and cause of these adverse actions proclaimed against me and was provided no valid reason for said adverse actions. XXXX maintained that she is not providing me with nothing and rudely hang up the phone. I can provide multiple testimony of different organizations that has received funding from Optum while having the same billing methods as me. Additionally i can provide thier testimonies that will highlight the fact that i was asked to provide information that they were not asked to produce. At this juncture of time i have received no response to my affidavits, no written correspondence, and no valid reason for the denial. Optum has been evasive and willfull in misleading me by providing numbers and email that dont work and evading my calls. Additionally optum has provided false statements to the CFPB in saying i did not meet their qualification for the loan when the sole and singular reason for the denial was the billing method which i already proved that they do accept. I began facing these issues after i disclosed my medical condition to XXXX. After that time i was treated unfairly, and notably different from other applicants. I can provide my phone records, logs, recordings, documents etc. Optum must return my application security withing 5 ( five ) days or agree to pay me 3 times the value of the application security thereafter. This is my contractual term made on the authority of the Uniform Commercial Code in its entirety.