Consumer complaint received 2024-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
In all my time practicing, and represent people in consumer law, i have never witnessed such a blatant disregard for the letter of law as demonstrated by Optum Temporary Funding Assistance. I Categorically deny stating that my application was " denied with no explanation provided. '' As recorded and certified with the CFPB itself bearing witness i stated that i was provided no written explanation, as required by law and that the sole and only reason given for the denial given was the billing method of billing to medicaid ( via a conversation with XXXX ) .I subsequently lawfully requested a writted correspondence to articulate the nature, cause and all factors considered in the denial to which i was verbally told i will not be provided anything as Optum is not a traditional lender and dont have to follow the law. I confirmed that they did infact funded other business with the same billing methods and even informed that that i also billed XXXX working with service members. Optum assert and maintain that i am am ineligible but ignored multiple lawfull affidavits, and FOIA requests with facial consideration/relevance to the matter. I swear under penalty of Pujury that Optum provided no reason for the denial other than the building method then failed to respond to my consumer requests, demands, and affidavits to provide their accepted billing methods before during and after my application. Optum never asked me to provide any proof that i was impacted by the " XXXX XXXX XXXX interuptions ... '' The resolution i seek was stipulated in the multiple affidavits, and multiple certified complaints on the CFPB platform. Furthermore, upon receiving delivery notification of the affidavits sent via certified mail being received by Optum, i called and verified to which they confirmed that they were in recipt of my Zip Exempt mail sent under the custody of the post master general with my seal and they verbally verified recipt. if Optum received my application and didn't process it, but is presenting justification for denial then they have and is still commiting consumer fraud, if Optum did infact process my application then that is effectively a consumer transaction to which i did not receive a consumer loan. Refusing to honor my affidavits, telling their employees and affiliates, not to provided me with anything including phone numbers, mailing address, emails, setting appointed time to call back but didnt, ignoring my phone calls, hanging up on me, giving me wrong numbers etc is a blatant subversion of my due process and denial of my consumer rights. Under those grounds i verbally informed Optum that i had conceded to them not issuing me a loan and asked that they returned the security value to me. This is now a document case of theft of security and consumer fraud. It as after that junction of time Optum began to assert that their investigation found me ineligible. Yet they again ingnored my lawful request to have a record of said investigation and to be informed of the findings of the investigation by law and my subsequent rights thereafter. It is under these grounds i presented the affidavits of rental as the matter of the loan application was lawfully concluded in my favor, as the truths expressed in my affidavit ( s ) were unrebutted and stands as truth in commerce by law, thereby executing Judgement in commerce as an expressed matter was left unresolved in the lawfully stipulated time frame. Effectively speaking Optum Acquiesced their rights to any lawfull counter claims or recourse to challenge me as they have left the battle first and lost by default as a lean or claim can only be satisfied only through a rebuttal by a counter affidavit point by point ; a resolution by a jury ; or payment. At this Juncture of time, JUST TO BE CLEAR i seek payments as resolution. Based on a conversation with one of my direct competitors i believe Optum may have been acting on a flase and calculated tip to undermine my business. In commerce Truth is sovereign and all are equal. OPTUM has denied me equality, and due process as they said they would do and provably conspired to do so. At this Juncture of time it is more than just about the application denial and the wide body of consumer rights, CFPB violations, TILA violations, CRF violations, FTC violations, FDCPA violations, UCC Violations, USC violations, CFR violations, FCRA violatons Etc. Which Optum has skillfully evaded address and reverts to address the alleged loan application ineligible which is pointless at this point in time. 
And by their on admission they have reviewed the totality of this over 5 times. 
Given the totality of the situations, I am formally and conditionally making this final and nominally charitable offer to Optum : Deposit {$450000.00} into my business account on file before Saturday XX/XX/year> and i will waive Optum from all future claims regarding this matter and dissolve all standing contracts and claims. I also conditionally agree to a complete non-disclosure of information inwhich i will not share any of this information to anyone for any reason at all. Optum can demonstrate Performance acceptance by this term, Or mailing a check for {$450000.00} to be received no later then XX/XX/year>. 
Optum can demonstrate rejection of this offer by ignoring it, and or challenging it with a CFPB response or otherwise to which i will gladly anahilate them in court.

All Rights Reserved UCC 1-308

Company response to consumer: Closed with explanation