FIRST NATIONAL BANK OF OMAHA

2018-10-31

Dilworth, MN

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-31

Greece, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-29

Rochdale, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: This company had me on a payment plan for a year were they took out the money directly from my bank account after the year the bills was paid in. After a month past they started calling saying Im late I asked how could that be when you were taking the money out of my account the rep said she was gon na look into it and get back to me that never happened and the bills kept coming.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-29

Dearborn, MI

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-29

Sebring, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, you remove your unauthorized inquiries from my credit profiles send me confirmation that you have complied with my requests.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-26

Lafayette Hl, PA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-25

Fisher Island, FL

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Complaint: First National Bank of Omaha is continuing to report a debt that was placed on my XXXX report around XX/XX/2018 that is not a mine, rather a debt caused by identity thief. This company has ignored a police report, affidavit and a report from identitythief.gov which is recognized by other financial institutions and credit bureaus as a legal and substantial document. On XX/XX/2018, the company sent a response about holding me responsible, however, they followed up with another correspondence dated XX/XX/2018, stating they needed to do additional research, which they have failed to follow up any additional correspondence as well. Furthermore, First National Bank of Omaha has not supplied the legally requested disclosure of the application with my signature that was used to open this account, that they are legally required to disclose if asked, as well fully knowing under several laws/statues under the Fair Credit Act that if this proof can not be disclosed they have to remove any negative reporting information from my credit bureaus, in particular, XXXX and any responsibility to the debt. Either they dont know the laws or neither care about following them, possibly dont have the document, or realize they have made an error ; however, they are legally required to produce and disclose this application/document with signature if requested. This financial institution has conducted itself in a somewhat Mafia-style Shake Down to get me to pay these monies that I do not owe to remove this fraudulent trade from my XXXX report, its been unbelievable. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-24

FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/XXXX I use a credit for a payment in a XXXX XXXX XXXX XXXX miles. Advertisement as a good condition. guarantee for two years by XXXX XXXX XXXX. OnXX/XX/XXXX I returned a car to the dealer that was not even close to the one he guarantee. It was XX/XX/XXXXInstead to XX/XX/XXXX. An speedometer started on XXXX rpm and miles seem to be manipulated. A car had also an extensive water damage all over that it was trying to cover with paint and cleaning. I have to be score by police since a person was threatening at me. Police officer knows dealer in the area scam people before. Also he suggested me to dispute a payment since the dealer refuses a return my money. So I place a dispute with a credit card and I email it all proofs ( pictures and documents ). After a few months a credit card give the money to the thief and he also had a car. A car that He was trying to sell few days after I returned. On the same website OFFER UP As a Fair Credit Billing Act, I have the right to dispute for a quality of goods and Services, this person advertised and promote a service that I never had. On the contrary a merchandise was total loss and altered miles. Even if he said a sale is AS IS. He wrote in the contract a guarantee. He also advertised two years whatever it happens. A credit card suppose work for me and my money. So what Happened now??? I have to pay for a merchandise I don't have and a service that I did not received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-24

Culver Cty, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-23

Brooklyn, NY

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

You never received your bill or did not know a payment was due
Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-23

Buford, GA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-10-22

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-21

Abram, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-10-19

Pacific City, OR

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Complaint: I accepted a balance transfer offer from XXXX for a XXXX University-associated card. The first bill included the full balance transfer fee plus the minimum balance calculated, for a first payment of nearly 10 % of the balance due. The fee is less than the remaining available balance. The Cardmember Agreement does not identify this fee as payable immediately or indicate in any other way that the transfer fee would be required to be paid in full. I called the company and they pointed to a small paragraph on the back of the mailing card ( 1 of 4 documents ) stating that the minimum paying would be " ... the current cycle fees and finance charges plus 3 % of the new balance '' and claimed that the balance transfer fee qualifies. I have done several balance transfers with multiple cards over the years and not one single time has a company tried to front-load the fee. This is not standard for the industry and was not disclosed clearly at any point, certainly not before I agreed to the transfer. In addition, the Cardmember Agreement expressly states in Section 18 " Other Terms '' that " This Agreement replaces any prior communications between you and us '' and the Agreement does not identify, disclose, or even suggest that the fee would be due immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-18

NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: For approximately the past two months I have been harassed by First National Bank. They leave messages for a person other than me to contact them. I am not that person, and I have had this phone number for the past 15 years at least so most likely that person never had my number. I answered the harassing call once and advised the person on the other end of the above but the harassing phone calls have continued. Most days they call twice per day, sometimes 3 times per day.
Company Response: Closed with explanation

Timely Response

2018-10-17

Houston, TX

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-10-12

Birch Run, MI

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-12

Albany, NY

Incorrect information on your report

Checking or savings account: Other banking product or service

Information belongs to someone else
Company Response: Closed with monetary relief

Timely Response

2018-10-11

Abram, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-11

Abram, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-11

OR

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I never received notices or phone calls that I owed them money. They said that they called and sent letters but I never received anything. The fees and charges that they sent me seem excessive and abusive. The only reason I realized they had debt against me was because I saw it on my credit report that I looked up on XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-11

Brooklyn, NY

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Complaint: For 5 years with this Credit Card we always paid the full balance before the due date on-line. InXX/XX/2018 I called the reward department and was informed that a {$100.00} reward credit will be applied to our balance the same day I called, it was a few days before the due date. OnXX/XX/18, a day before the due date, I paid the full balance on-line, a {$100.00} less, relying on the reward credit, which was posted XX/XX/XXXX, a day later than the due date. It comes down to {$100.00} one day after the due date. To the XXXX charge a {$94.00} interest was added due XX/XX/XXXX. On XX/XX/XXXX I paid the full balance including the interest. Since this was a Business credit card and I was going to retire on XX/XX/XXXX I have closed the card which was associated with my position in the Company. Received a confirmation that the card was closed and cut it in pieces. However, an XXXX statement arrived with a charge of {$84.00}. I called the credit card they said it was another interest on the same {$100.00} in addition to the {$94.00} I have already paid. Their explanation was that even if the hole amount was paid before the due date but a dollar is paid even a day after, they care interest on the full balance and interest on the next month balance, regardless if it's being paid before the due date. Isn't this taking advantage of the consumer? I'm starting to think that the rewards department intentionally posted the {$100.00} reward a day after my due date while telling me that it will be posted a few days before it. I consider it very much unfair. The bank is : XXXX XXXX. Credit card address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-11

Phoenix, AZ

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Company Response: Closed with explanation

Timely Response

2018-10-09

Garrett Park, MD

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I received a credit through XXXX on a hotel in XXXX which I booked for months ago and paid my visa bill in full for it. My recent visa bill shows XXXX due and a credit of {$990.00}. My bill is due on the XXXX of each month and I pay each month in FULL the entire bill. I have had this card for many years through XXXX Visa. I requested a refund for my credit on XX/XX/18 and was told it mailed out on XX/XX/18. I called re : the check on XX/XX/18 and was told they were holding my refund against purchases made AFTER the closing date on which the payment is not due again until XX/XX/2018.I am current and my bill clearly states XXXX payment due until XX/XX/2018. In essence they are holding my money as a DEBIT card transaction instead of a CREDIT card where payment is not even due until XX/XX/XXXX. If my payment was late, I would be assessed interest and a late charge, but they can hold my credit in advance of any payment due and not pay me interest. I find this fraudulent, my credit card is being treated as a debit card and they REFUSE to send me a refund of my credit.
Company Response: Closed with explanation

Timely Response

2018-10-08

Warren, RI

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response