FIRST NATIONAL BANK OF OMAHA

2018-05-23

Fort Lupton, CO

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

2018-05-21

Rncho Domingz, CA

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
Complaint: Over the last 2 months First National Bank of Omaha has been lowering my credit limit even though my credit score has gone up by over 80 points, and my credit usage has been dropped by over 30 %. For months when I had over 1750 dollar balance they did not lower my limit. Now that I have been paying off the card each month, and carrying a lower balance they have dropped my limit by over {$1000.00}. All they tell me is that I can request a hard pull on my credit report, and they MAY increase my limit. MY credit score is now back to where it was when they originally gave me the card. I have NEVER missed a payment on their card, and I pay above the minimum every single month. Right now, their decisions are affecting my credit score, and no one can give me a good reason why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-20

Stafford, VA

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Personal line of credit

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

Timely Response

2018-05-19

PA

Other features, terms, or problems

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

Other problem
Complaint: XXXX XXXX XXXX cut avabile credit XXXX, after I paid card off and used it for a month on XXXX limit was XXXX now XXXX I put XXXX through it today I get email notice that I'm {$60.00}. over the limit just made a XXXX payment on Monday, called them she said check credit report on XXXX XXXX it shows XXXX and has been going up they show XXXX and has for the pas few months, it seam that this is just an attempt to keep the debt ratio high, XXXX has done the same as the balance gets paid off the limit is lowered to maintain the same high debt ratio, this needs to be investigated, im sure ill get charged for a over the limit fee even though the lowered it with no notice XXXX at least sent a notice. if this would have happened before I completely paid the card off I would not think any thing of it funny I have a limit of XXXX now they shoe a balance of XXXX and say im over the limit paid another XXXX today, also what's with taking 5 to 7 days so show cred it out of my account the same day just 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

2018-05-18

Creston, IA

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

2018-05-16

Castro Valley, CA

Other features, terms, or problems

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

Problem with rewards from credit 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

2018-05-16

Castro Valley, CA

Other features, terms, or problems

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

Problem with rewards from credit 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

2018-05-15

Walthill, NE

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

2018-05-15

LA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: Opened a credit card account with first national bank of omaha on XX/XX/XXXX. Got laid off for a long time so i couldnt pay it. Last payment made was on XX/XX/XXXX. First national bank of omaha sold the balance left {$2800.00} to XXXX XXXX XXXX on XX/XX/XXXX. I have received a few letters from them over the last couple of years stating the balance i owe, but as i have been laid off for almost 2 years total out of the last 3 years, i still could not pay it. I was served citation papers saying the were suing me today, XX/XX/XXXX, & i do not know what to do. I just recently started a new job with a new company & at this point i still can not afford to pay this bill. I do not want to be sued but i have no idea what i should do. Someone 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

2018-05-15

Bedford, TX

Fees or interest

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

Problem with fees
Complaint: On XX/XX/XXXX my husband and I visited an XXXX at the XXXX XXXX XXXX in Texas. We put {$50.00} on her account. We paid an additional {$4.00} for the transaction for a total of {$54.00}. When we got the credit card bill today from First National Bank Omaha XXXX, there was a charge of {$29.00} and a fee of {$15.00}. So the XXXX only received {$29.00} of a {$54.00} transaction. That adds up to {$44.00} ( {$29.00} + {$15.00} ) in the first place, so where is the missing {$6.00}? But the {$15.00} fee is outrageous and you are not warned, except in the vaguest of language, that this might occur. I would have expected maybe a small fee on top of the {$54.00}, but not basically clipping people for {$15.00} and then a {$1.00} interest charge!!! And where did that extra dollar go -- seems fishy. On top of that there is a minimum interest fee {$1.00}, even though the bill is not due until 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

2018-05-14

Wattenburg, CO

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 explanation

Timely Response

2018-05-14

Wattenburg, CO

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 explanation

Timely Response

2018-05-04

CO

Fees or interest

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

Problem with fees
Complaint: Bank appears to have deliberately delayed processing a payment so as to put the account into default so that they could charge late fees and interest. I've gone back through account statements ( & checkbook ) and I have discovered a disturbing pattern. Most payments are processed on either the 2nd or 3rd day after the payment check is written, however, every third month ( i.e. quarterly ) payments are not processed until either the 6th or 7th day after the check is written. I normally make my payments early enough that I haven't been dinged for a late payment or interest charges until the payment that was due XX/XX/XXXX, check was written and mailed on XX/XX/XXXX, considering how efficient and consistent the USPS is, payment was delivered to the bank on XX/XX/XXXX, or at the very latest on the XX/XX/XXXX, however, the bank did not process the payment until XX/XX/XXXX. I sent a letter of complaint to FNB Omaha regarding the delayed posting and their response has a number of factual errors. First the response claims that they received my complaint on XX/XX/XXXX, the USPS certified mail receipt indicates that it was delivered on the XX/XX/XXXX. Second the response claims the payment was due on XX/XX/XXXX, the statement clearly shows that the due date was XX/XX/XXXX. If they are trying to cheat me by delaying processing payments, they are doing it to hundreds if not thousands of others. If I hadn't noticed that they delayed this one payment, I wouldn't have gone back through my records and established a consistent pattern of delayed payments. They are engaged in criminal activity and I can help you prove it. Documentation to support my allegations will be supplied on request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-03

Napoleon, ND

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: First National Bank of Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-30

Arvada, CO

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

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

Problem with personal statement of 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

2018-04-30

Holmes, PA

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

2018-04-28

IN

Other features, terms, or problems

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

Other problem
Complaint: Back in XX/XX/XXXX, I signed up for the official XXXX XXXX XXXX credit card ( issued by the First National Bank of Omaha ) to further support the organization and its support of the shooting sports, youth education and the Second Amendment rights were all guaranteed by the Constitution. In XX/XX/XXXX due to social pressure from the media and anti-gun organizations, they terminated the program - without notice to card holders. Many of whom who dont have multiple lines of established credit to fall back on. When I heard of this from the XXXX newsletter I contacted the bank ( on XX/XX/XXXX ) and was told that my card and account would not be renewed and basically given no option other than to close my account. ( Keep in mind that my account has always been in good standing and was always paid as agreed or better than agreed. ) Banks are required by law to be equal opportunity lenders and to not discriminate against their customers. In this case Im being discriminated against because of my membership in the XXXX and being an American citizen who supports and respects our constitution and the law. Im also effectively being denied credit based on their own political beliefs. This practice of virtue signaling and imposing their own political agenda goes completely in the face of laws guaranteeing equal opportunity to banking customers and anti-discrimination/fair credit rules.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-28

Horseheads, NY

Other features, terms, or problems

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

Other problem
Complaint: I applied for a XXXX Visa card and was sent this load of XXXX in return : Customer feedback has caused us to review our relationship with the XXXX. As a result, First National Bank of Omaha will not renew its contract with the XXXX XXXX XXXX to issue the XXXX Visa Card. I want to know if this bank holds the same policy with XXXX XXXX, XXXX, or some other group!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-26

North Aurora, IL

Getting a credit card

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

Problem getting a working replacement 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

2018-04-26

Friedens, PA

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Personal line of credit

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

Timely Response

2018-04-25

MN

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: First Natl Bank of Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-24

Garber, OK

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: FNB Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-24

Garber, OK

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: FNB has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-24

Belmont Shore, CA

Trouble using your card

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

Can't use card to make purchases
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-23

IA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: First Natl Bank of Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response