FIRST NATIONAL BANK OF OMAHA

2018-06-18

Oak Grove, MO

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-16

Newnan, GA

Fees or interest

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

Problem with fees
Complaint: I am a XXXX hurricane disaster victim that has struggled to get back to normal since XXXX. I will be charged a late fee of {$37.00} on my credit card at the closing of my billing cycle, which is XX/XX/XXXX. I was not aware that First National Bank of Omaha ( XXXX XXXX XXXX ) strictly required a payment to be paid via central time on my due date referencing my credit card. I have taken immediate steps to eliminate the problem via starting to pay my credit card bill online with a scheduled payment, but the banks website does not update immediately for me to perform this simple action that is a hindrance. Therefore, I would like to respectfully request an adjustment of {$74.00} be returned to my credit card and ask that First National Bank of Omaha ( XXXX XXXX XXXX ) credit card department try to understand that a disaster does cause people to have struggles in life that are natural in occurrence and I am most certainly not just simply a customer that do not pay their bills on time. I also set-up auto pay to eliminate any further late fees, which took 30 days to set-up by First National Bank of Omaha ( XXXX XXXX XXXX ), and my account incurred an additional late fee of {$37.00}, simply shocking! The customer service agent said I was read a disclaimer which I did not completely understand because the agent spoke in English and not XXXX, meaning some things I understood and some I did not. My GOD, where is the humanity here? There are some moments in time ( disaster victims ) need help beyond the norm, especially when First National Bank of Omaha ( XXXX XXXX XXXX ) know that disaster victims do not have any control over a natural occurrence of nature and the disasters made headline news. All of my creditors worked with me, but I have concluded that First National Bank of Omaha ( XXXX XXXX XXXX ) is " HEARTLESS. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-16

Flushing, NY

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: XXXX approved me for its credit card offering 0 % financing for the first six billing cycles, to which I set up auto-pay for the minimum. Upon receiving the fifth bill statement, I sent secure message XXXX XX/XX/XXXX XXXX XXXX : " My promotional zero percent financing will end in the sixth billing cycle, XX/XX/XXXX, auto-payment on XX/XX/XXXX. Can I set that and all future payments for the full balance to avoid any finance charges? '' XXXX, XXXX, replied : " Changes to the AutoPay amount will not take effect until your account has gone through a complete billing cycle. '' Since the fifth cycle, XX/XX/XXXX, already completed with a minimum auto-payment set for XX/XX/XXXX, I successfully changed auto-pay for the sixth cycle, XX/XX/XXXX, to full balance for its XX/XX/XXXX payment due date, just as I had asked and XXXX instructed. My XX/XX/XXXX statement shows full payment credited on XX/XX/XXXX, but " XXXXnterest Charged ... .+ {$24.00}. '' I complained to customer service, but XXXX merely replied that since the intro rate expired XX/XX/XXXX, payment for all charges through XX/XX/XXXX was due on XX/XX/XXXX. I argued : " I reasonably relied on your reply that I should set auto-pay to full balance ; you did not say that I must pay the XX/XX/XXXX balance by XX/XX/XXXX, which is impossible. If you had said that I must make full payment by any later day [ ( XX/XX/XXXX ) ] to avoid any interest charges, I would have done so. '' I repeatedly asked to escalate my complaint to a supervisor, who still has not responded.
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

2018-06-15

Columbia, MD

Closing an account

Checking or savings account: Savings 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

2018-06-14

East Rockaway, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act # 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

2018-06-14

Oak Grove, MO

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Money was taken from your account on the wrong day or for the wrong amount
Complaint: After I complained about XXXX the next day I received a call from XXXX who lied and said the bank was out of mo why because of me and told me things that were discriminatory in nature. I had XXXX report her to manager. Government orders First National to pay more than {$35.00} XXXX - remember this? First National Bank of Omaha will pay more than {$35.00} XXXX in restitution and fines for deceptive marketing practices and illegal billing of add-on products. The bank, the largest in Nebraska with {$18.00} XXXX in assets, agreed to consent orders levied by the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency, which were made public Thursday. The bank will pay a {$3.00} XXXX civil penalty to the OCC, a {$4.00} XXXX civil penalty to the CFPB and nearly {$27.00} XXXX in restitution to roughly 257,000 customers. Or this CFPB Orders First National Bank of Omaha to Pay {$32.00} XXXX for Illegal Credit Card Practices 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

2018-06-14

Effingham, KS

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: Failed Bank Information for The XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX On XX/XX/XXXX, The XXXX XXXX XXXX XXXX XXXX was closed by the Office of the Comptroller of the Currency. The FDIC was named XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX acquired all deposit accounts. The FDIC as Receiver for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX has taken all actions necessary to terminate the Receivership Estate. The Receiver published a legal notice of intent to terminate the receivership on XX/XX/XXXX and has made all dividend distributions required by law. Effective XX/XX/XXXX, the Receiver was discharged and the Receivership Estate was terminated and ceased existence as a legal entity. Feds close XXXX XXXX XXXX XXXX XXXX ; XXXX takes over XXXX XXXX XXXX is the 19th-largest bank in the XXXX XXXX area based on market share of deposits. It has {$2.00} XXXX in assets. Founded in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX was the first nationally chartered bank established in XXXX County. Led by CEO XXXX XXXX, it passed {$1.00} XXXX in assets in XX/XX/XXXX. However, the bank hasnt been able to maintain the minimum capital reserve required by regulators since the second quarter of XX/XX/XXXX. The Office of the Comptroller of the Currency officially declared the bank in troubled condition in XX/XX/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

2018-06-14

Staten Island, NY

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

2018-06-13

Sagle, ID

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

2018-06-13

Orangeburg, SC

Closing your account

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

Can't close 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

2018-06-12

Rncho Domingz, CA

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 repeatedly been billed for merchandise that I have never ordered or received. I have spoken with the merchant 's customer support department on several occasions and they tell me that their computer system shows that someone submitted an order using my credit card number and an address that I haven't lived at in six ( 6 ) years. They claim that they do not store records of orders so they can't provide me with any proof that I placed such an order. On XX/XX/XXXX I contacted my bank regarding these fraudulent charges. They reversed a few of them from XXXX but continue to allow this merchant to charge my credit card on a monthly basis even though I informed them that I did not authorize these purchases. On XX/XX/XXXX I again contacted my credit card company and submitted a dispute to these charges. On XX/XX/XXXX they wrote me telling me that the merchant claims that I requested this merchandise. They also tell me that they won't reverse the charges. They had the unmitigated gall to tell me to read the terms and conditions of a merchant that is processing a fraudulent order. They refuse to block further charges or reverse the charges for merchandise I am not receiving and did not order. The idea that the merchant doesn't maintain or store authorizations records because they are an online merchant is nonsense and irreverent. I do not live at the address where this merchandise is supposedly being delivered. I did not order the merchandise. I did not authorize any person to order this merchandise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-12

Appleton, WI

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

2018-06-10

Stafford, VA

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

2018-06-08

Atlantic Highlands, NJ

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

2018-06-06

GA

Other features, terms, or problems

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

Other problem
Complaint: I applied for a secured credit card with First National Bank of Omaha ( FNBO ) in XX/XX/XXXX. After verifying my identity, I was approved and opened the card with a {$1000.00} deposit in XX/XX/XXXX. I closed the account on XX/XX/XXXX, at which time there were credits on the card ( in the form of store purchases that were refunded ), totaling {$520.00}. Both in FNBO 's User Agreement and during the phone call on XX/XX/XXXX when I closed the account, I was informed that I would receive a refund of my secured deposit ( {$1000.00} ) and all remaining credits ( {$520.00} ) within 30 days. This has not happened. It's been over two months and I haven't received anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-05

Staten Island, NY

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

2018-06-04

Keystone Heights, FL

Other features, terms, or problems

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

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

Timely Response

2018-06-04

Dilkon, AZ

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-02

Bay Shore, 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

2018-05-31

Oak Grove, MO

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: The lady who helped me at this bank was very nice and this saddens me to file the complaint because she is a good person : but Ive tried to work this out and my time is being wasted. It seems nothing gets done right unless I file these. So here we go - First off I was lied to by a division of the bank and A guy named XXXX XXXX from XXXX who do merchant processing. He told me he needed my personal info but would not check credit and I received a hard inquiry he then said was a soft pull. I have screenshots of text proving I told him dont touch my personal credit for the business or I would not sign up. He lied. I filed a complaint with the FTC, and that inquiry accounts for 10 % of my score and stays on my report years. Missouri law says I may bring action against anyone who harms me or my credit report. I demand financial compensation for XXXX XXXX XXXX lies and actions in the amount of {$250000.00} for deception and fraud. Next up is a nice kid named XXXX who I asked to updated my business address. I told him its fine to leave my personal address but my business needs to be right and matching all other docs and accounts. He told me he updated it but my card keeps being declined and will only work when I use the old zip code I asked to be updated. I called and a guy name XXXX transferred me to XXXX who was rude at the customer service number and it upset me. They are also forcing me to provide my ssn number on business account when I call in even tho I have a ein or duns number they can use for verification. I own a llc which is a desperate entity from the business owner under Missouri state law. Again I have the right to bring civil actions against anyone accessing filing they should not. By requesting my ssn for my business account daily my rights are being violated. I dont mind providing it up front when opening account which I did to prove Im not a terrorist or money laundering as XXXX XXXX explained. But after passing the know your customer check my business should be respected as a separate entity. I wont request money from fnb because I like XXXX as a person and she has helped me and been nice. Im going to simply politely ask you to have customer service use ein to verify when I call in and update the address on biz account to grandview like I asked XXXX to do. I dont demand compensation because you have treated my fair in the past. Im very sorry to file this complaint on your bank but the way XXXX treated and talked to me when I called in is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-30

Navasota, TX

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: hi! THIS CREDIT CARD COMPANY DID NOT SEND OUT THE FIRST BILL, ARE WAS STOLEN AT XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, IN WHICH THE CLERK STATED THAT SHE HAD 5 KEYS TO THE MAIL BOX! WHEN I GOT THE BILL FROM XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, IT WAS THE SECOND BILL AND OVER THE CREDIT LIMIT BALANCE BY ABOUT {$280.00}. THEREFORE THERE WAS OVER {$1000.00}. DOLLARS OF FRAUD ON IT! THE XXXX COMPANY WOULD NOT RELEASE THE FIRST MONTH BILL UNTIL THEY FOUND OUT MY BANK AND WHAT I OWNED! PROBABLY ATTEMPTED IDENITY THEFT. I PAID DOWN WHAT I THOUGHT THAT I OWED, FOR ONE MONTH USE! THEIR BALANCE KEPT CHANGING ALL THE TIME, JUST LIKE THEIR STATEMENT BILLS! NOTHING BUT BLATANT FRAUD ON THIER PART, AND GOING THROUGH MY PERSONAL PROPERTY AT WILL WITH XXXX 'S, ARE FALSE PROPHETS, 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

2018-05-29

Inglewood, CA

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: Requested the Method of Verification to XXXX XXXX XXXX. XX/XX/2015 ( 2 yrs, 9 mos ) Account status Open Type Factoring Company Account ( debt buyer ) Responsibility Individual Account. Remarks Consumer disputes this account information Collection account Original Creditor Name FIRST NATIONAL BANK OMAHA Closed No Info This is Identity fraud ive done police reports, and FTC.GOV XXXX is continuing to report this fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-29

Frederick, MD

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

2018-05-29

Houston, 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

2018-05-27

Bedford, TX

Incorrect information on your report

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

Account status incorrect
Complaint: I applied for a XXXX XXXX card with First Bank of Omaha for XXXX XXXX. There was a XXXX charge. I moved and told the agent to put the account on auto pay. It was not setup and the XXXX charge turned into a 30 day late payment on my credit report. I have all my accounts on autopay for this problem. It is crazy they are reporting a XXXX payment 30 days late. I have paid the account off. they reversed the late fee. but they are taking their time reversing the late payment. I am now having a hard time getting a house loan for a XXXX fee that was on my 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