FIRST NATIONAL BANK OF OMAHA

2018-10-06

Staten Island, NY

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Since XX/XX/2018 - Present this company claims to be National Bank of Omaha calls from phone # XXXX repeatedly starting at XXXX hangs up calls each minute after back to back 3x a day and they do this every single day even though theyre blocked they keep harassing.
Company Response: Closed with explanation

Timely Response

2018-10-05

San Diego, CA

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: Car rental company misrepresented terms and conditions of the car rental process and even with what the company says is not being done : email outlining how to use partial credit received upon cancellation not received ; the credit not posted to the account ... not to mention that the credit was limited to certain type of rental that wasn't outlined in the rental agreement. I filed the dispute with XXXX. I did not get anything in the mail from XXXX yet but the dispute was closed in favor of the merchant despite providing proof that the agreement was violated by the car rental company and no credit received. In email received from XXXX, first told XXXX can't control how the credit being used and ask me to contact the company by phone to figure out why the credit not posted to my account. I disagree with XXXX position as feel they dropped the ball and let me take the hit. I have disputed the charge as services not rendered and since the rental never finalized and I have never received any type of credit from the car rental, the XXXX should have reversed the charge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-02

Foothill Ranch, CA

Fees or interest

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

Problem with fees
Complaint: I called XXXX to cancel my XXXX XXXX rewards credit card before the first anniversary, to avoid an annual fee and was told that they would not cancel the card and worse that they would still be charging me an annual fee ( even if they let me cancel ). I politely asked if the {$59.00} fee would be refunded as I was not using the card past the first year and I was told they would not do so.
Company Response: Closed with monetary relief

Timely Response

2018-10-02

Columbia, MO

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-10-02

Sun City, AZ

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-10-02

Albany, NY

Incorrect information on your report

Checking or savings account: Other banking product or service

Personal information incorrect
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

2018-09-28

Colver, PA

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
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

2018-09-27

Waynesburg, PA

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

2018-09-25

So Effingham, NH

Getting a credit card

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

Application denied
Complaint: I applied for the XXXX XXXX XXXX on XX/XX/18 and was informed via email on XX/XX/18 that a decision had been reached on my application. I logged into the website and it listed my application as declined, stating that I would receive a letter in the mail with further details in 7-10 business days. When said letter did not show up as of XX/XX/18, I called customer service on XXXX and was asked to call back on XX/XX/18 if I did not receive the letter by then. I called back on the XXXX, explaining that the letter still hadn't arrived and was informed that a new letter would be sent out. I have not received either letter as of XX/XX/18.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-22

NE

Fees or interest

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

Problem with fees
Complaint: I received my monthly statement for the billing cycle that closed XX/XX/18. Upon opening the statement I noticed that I had been billed a {$19.00} annual fee. I contacted FNBO on XX/XX/18 and asked for the fee to be waived or for them to close the account and waive the fee. I was told that even if I closed the account I would be responsible for the fee. I asked for a supervisor and was told the same thing.
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

2018-09-21

El Cenizo, TX

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

Timely Response

2018-09-21

Hazleton, IN

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2018-09-20

Omaha, NE

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-19

Caesar, MS

Getting a credit card

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

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

Timely Response

2018-09-18

Durham, NC

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 non-monetary relief

Timely Response

2018-09-17

Newport Beach, CA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-10

Discovery Bay, CA

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: I have lodged disputes with XXXX XXXX, First National Bank of Omaha, and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Company Response: Closed with explanation

Timely Response

2018-09-06

Ferryville, WI

Fees or interest

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

Problem with fees
Complaint: Two years ago, my wife made a reservation on XXXX XXXX XXXX. While taking the reservation, the clerk persuaded my wife to apply for the XXXX XXXX XXXX Visa credit card, telling her that possession of the XXXX XXXX XXXX Visa credit card would entitle her to check one piece of luggage at no charge. My wife received the credit card, never used it once and was surprised last month to receive a bill in the mail from XXXX XXXX XXXX Visa Credit Card for {$69.00}, payable by XX/XX/XXXX. She called and learned that the fine print for the credit card stipulated that after 1 year there is an annual fee of {$69.00}. This was never mentioned by the reservation clerk when she was selling her the airlines credit card. My wife promptly canceled the card. When we called XX/XX/XXXX XXXX XXXX, they directed her to complain to the credit card company [ XXXX XXXX / XXXX XXXX XXXX / XXXX, XXXX XXXX/ telephone : XXXX ]. Not surprising, the credit card in turn directed her to complain to XX/XX/XXXX XXXX XXXX. Both companies were in agreement that they were not responsible. We strongly protest these sales tactics. My wife would never have signed up for the card if she had been warned up front of an annual fee. We are currently using a credit card that gives us reward points. I assure you that we would never have signed up for a card with a {$69.00} annual fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-06

NE

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
Complaint: I have a First National Bank ( First Card ) XXXX XXXX credit card. My XX/XX/XXXX statement showed a {$59.00} annual fee. I called customer service on XX/XX/XXXX and told them to cancel the card as I was not interested in paying a {$59.00} annual fee to keep the card active. They said that they would cancel the card but that I would still owe the {$59.00} annual fee. I do not understand how that can be possible when I am cancelling the card. They said it is their policy that once charged, it can not be waived. Supervisor XXXX confirmed this policy. They claimed I was notified of this in my XX/XX/XXXX statement. I had NO activity during XX/XX/XXXX and did NOT receive an XX/XX/XXXX statement, nor does one appear on my " on line '' account. No XX/XX/XXXX statement was generated, so I was not notified of their unreasonable policy prior to being charged. She could not explain that flaw in their system. The credit card was cancelled on XX/XX/XXXXbut they insist on leaving the annual fee on my account. In my many years of using credit cards, I have never had to pay an annual fee when cancelling a credit card within 24 hours of the fee being charged to my account without notice or approval.
Company Response: Closed with monetary relief

Timely Response

2018-09-05

Des Moines, IA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-05

Butte, MT

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-05

Castle Rock, CO

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

Timely Response

2018-09-05

Morris, IL

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-29

NY

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 protested XXXX charges appearing on my XXXX First Bankcard XXXX. Still unresolved are XXXX of those initial XXXX protests ; XXXX being a charge by an XXXX XXXX XXXX store in XXXX, XXXX for {$1500.00} and the second was a charge from Hot Leathers of XXXX, XXXX for {$55.00}. On XX/XX/XXXX, I received a letter by regular mail requesting additional information on the disputes and I replied immediately, sending all the requested documentation. I know they received this information in a timely fashion because they acted on all of the protests in my initial request except for the XXXX mentioned above. On XX/XX/XXXX, I returned home from work at approximately XXXX XXXX XXXX XXXX and found a message on my answering machine telling me I had to immediately call dispute resolutions back at XXXX to discuss dispute # XXXX, and the message went on to say today was the last day. I immediately called the number given only to get a recorded message saying they had " left for the day ''. There was no alternative offered by the recording : no voice mail, no email, no way to advise that I returned the call. I tried calling again each day over the weekend but got the same recording. On Monday morning, I stayed home from work and called in first thing and spoke with a XXXX XXXX XXXX at Billing Resolutions. I explained that I sent all the required paperwork along with paperwork on ALL the protests made in my XX/XX/XXXX letter, and she acknowledged that they HAD received paperwork on the other protests but insisted they had not received the paperwork on the XXXX XXXX XXXX protest. ALL of the paperwork went in a single envelope ( why on earth would I send multiple/separate mailings to the same place? ) I asked her how someone is supposed to respond to a previously unknown deadline given on voicemail at XXXX on a Friday afternoon when they shut the phones off with no way to leave a message at XXXX? She offered no explanation or resolution to that and she could not explain why they got the paperwork on all the protests but somehow didnt get the XXXX XXXX XXXX paperwork. Regardless, I IMMEDIATELY sent her another complete PDF copy of the XXXX XXXX XXXX protest paperwork by email and then doubled back and confirmed that she received it. Despite the fact that it was clear that they somehow misplaced the original XXXX XXXX XXXX paperwork, she was reluctant to do anything to help me, using the missed deadline and also saying it was a point of sale transaction, and left me saying she would look into it. When she used the " point of sale '' excuse, I requested a copy of the credit card receipt ( backed up he request in writing ) with my signature which they did not produce. In a response to an earlier complaint made, they acknowledged that they tried, TWICE to contact XXXX XXXX XXXX regarding this purchase but XXXX XXXX XXXX DID NOT RESPOND. The fact that there was no credit card receipt, no signature and NO REPLY OR COUNTER FROM XXXX XXXX XXXX to their request for supporting information on the charge should confirm the protest was legitimate yet they refuse to issue the credit to my account. On XX/XX/XXXX, I sent a letter to the CEO of First National Bank of Omaha explaining in detail the problem and I included a check as payment in full for all legitimate charges outstanding and my cards ( cut in two ) demanding that the account be closed immediately. I know they got the correspondence because the cancelled check shows being processed on XX/XX/XXXX. Yet on XX/XX/XXXX, DESPITE THE FACT THAT THE ACCOUNT SHOULD HAVE BEEN CLOSED, they posted yet ANOTHER fraudulent charge to my account totaling {$1100.00}. ( XXXX XXXX ) Clearly First Bankcard/First National Bank of Omaha has serious issues with the ability to process mail received with any accuracy or in any timely fashion. On XX/XX/XXXX I received another letter advising they were rejecting my protest on the second dispute listed above ( Hot Leathers of XXXX, XXXX ) for {$55.00}, despite the fact that the charge dates back to XXXX and the " resolution '' comes over 90 days since protested in writing. Even more troubling, the reasons cited for the rejection of the protest include 1 ) ) at the time, I had informed VISA that I would be traveling through the " area '' where the merchant is located in. During that time, we took a trip from upstate XXXX to XXXX and the copy of the credit card receipt included CLEARLY shows the vendor is in XXXX XXXX, which was nowhere near our travel route, not to mention the receipt has NO signature, has NO 3 digit card security code and NO expiration date. shows the vendor this explanation makes NO sense in that this charge is from XXXX XXXX and I was no where near XXXX any time in XXXX. 2 ) at the time, I was in constant contact with XXXX, which is true because, despite the fact that we had notified them of our travel plans ( and all charges on the card were paid in full ), XXXX still put repeated holds on the account, which hampered XXXX LEGITIMATE charges and created significant delays, embarrassment and frustrations, with VISAs repeated excuse for shutting the card off being " suspected fraudulent activity ''. Amusingly, they hampered XXXX legitimate charges but missed the XXXX charge that was genuinely fraudulent. 3 ) VISA somehow determined the card was physically present during this charge and that other valid card transactions occurred after this charge, yet the only evidence they sent was a receipt showing a purchase made in XXXX, ( when we were XXXX miles away in XXXX ) with no signature, no security code and no expiration date - only the credit card number, which obviously is easy for thieves to use successfully if VISA security procedures are lacking. This charge is not valid and despite overwhelming evidence, XXXX is insisting we pay it plus interest and fees. On XX/XX/XXXX I received a letter responding to my XX/XX/XXXX letter to the CEO cancelling the account, and after repeating the same old excuses for rejecting the protest, it advises that " as a courtesy '' they will " review the matter again ''. They are asking for copies of all the information I have already sent them TWICE and they are asking for a copy of the " contract '' - as I told them before, there is no contract that pertains to the purported charge! So, I am betting this is the excuse they will use again when denying the protested amount. They can't get the vendor to respond to verify the charges, they cant provide any sales or credit card receipts, with OR without my signature, and yet they want me to spend more time duplicating paperwork I have already sent. ENOUGH IS ENOUGH! Regulation Z is clear on consumer obligations for disputing charges - I have met every one of them - while the vendor has provided, literally, no concrete evidence of anything pointing towards a legitimate sales transaction, yet they refuse to credit the account the result of which has cost me considerable time, frustration and can possibly affect my credit history going forward. That's not to mention they are allowing fraudulent charges to post to my account AFTER I REQUESTED IN WRITING THAT THE ACCOUNT BE CLOSED. I have also complained to the XXXX Attorney General and the Office of the Comptroller of Currency. The XXXX Attorney General 's office advises that the Consumer Financial Protection Bureau initiated a suit against this same institution in XXXX for illegal credit card practices. Clearly the information and proof I have submitted shows similar violations are still ongoing and I am at a loss as to why you are not doing something about it. If I cant get help from the very governmental agencies tasked with protecting consumers, then I'm left with the only option of writing my state and federal elected officials.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-29

Memorial Square, GA

Written notification about debt

Debt collection: Other 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