FIRST NATIONAL BANK OF OMAHA

2018-04-21

Anaheim, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Received a summons to appear in court for a credit card that was never opened by me which can be verified by my credit report. Never received notices just went straight to a summons. The summons only included the last 4 numbers of the account and no transactions except a {$25.00} payment. I am going to send a certified letter to collections company regarding validation of debt and a letter to the credit card company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-20

Brock, TX

Improper use of your report

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

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

2018-04-17

Youngstown, OH

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: NOTE : This is a CHALLENGE as I am NOT DISPUTING. I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. The items attached are non-compliant as per the FCRA and CROA requirements!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-10

Bronx, NY

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

2018-04-06

Walthill, NE

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 monetary relief

Timely Response

2018-04-06

Foothill Ranch, CA

Other features, terms, or problems

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

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

Timely Response

2018-04-06

Anaheim, CA

Fees or interest

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

Charged too much interest
Complaint: When I received a statement in the mail from First National Bank of Omaha, I believed I made payment in full. I made a full payment of {$1400.00} before the due date in XX/XX/2018. According to the terms, if I make full payment there should be no accruing interest in the next months billing period because there is no balance forward to charge additional interest. On XX/XX/2018, I called them and spoke with XXXX. He told me that Frist National Bank of Omaha may charge the interest because of how it reads on the back of my statement. I disagreed and asked to speak with his supervisor. Supervisor, XXXX got on the phone and supported XXXX statement. There is a section of HOW TO AVOID PAYING INTEREST ON PURCHASES. I meet this criteria. However, XXXX and XXXX only cared to listen to how they may charge me and not that I paid the balance in full and I met this criteria. Can credit card companies and/or financial institutions charge future interest on a XXXX balance or a balance in the past when you have made full payment before the due date?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-06

Austin, TX

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

2018-04-05

Alta, CA

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX XXXX XXXX XXXX & XXXX XXXX XXXX are continuing to report negative with a balance on an account that was included in my discharged Chapter XXXX Bankruptcy DOCKET XXXX. It even shows on my report it is in bankruptcy but they are in clear violation of the Bankruptcy courts. I have disputed it and they claim it is valid & XXXX sent results showing valid so they are in violation. It is absolutely not valid and I have contacted my Bankruptcy attorney and I will be taking legal action.
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

2018-04-05

Houston, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. I have never done business with the First National Bank of Omaha. This account was opened due to 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

2018-04-05

Berthoud, CO

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

2018-04-05

Beechhurst, NY

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

Timely Response

2018-04-05

Cornell, IA

Managing an account

Checking or savings account: Other banking product or service

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

2018-04-04

Ankeny, IA

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

2018-04-03

Sunnyvale, CA

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: On XX/XX/XXXX, a credit from a flight was posted on my credit card account - {$45.00}. I could not understand where this credit was coming from therefore I contacted First National Bank to inquire about it. I was assured it was coming from the merchant. I contacted the merchant to make sure the flight hadn't been cancelled and the merchant assured me they did not issue any credits. The type of credit card product I have with XXXX is a travel credit card that includes a {$100.00} travel credit for travel incidentals. I inquired with the bank if the credit could be from those funds and I was told by XXXX that the XXXX XXXX XXXX ( XXXX ) did not match a transaction that would trigger those credits. Later in the year, when I complained as to why the credits were not being posted on the account, I was told by the bank that the {$45.00} was actually from the previously mentioned pool of credits and that all the allowed {$100.00} were credited on the account. This is completely unacceptable and misleading. On the last correspondence from the bank, XXXX acknowledges bank error and providing misleading information, yet refuses to correct it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-01

Brooklyn, NY

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

2018-03-28

PA

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: A few months ago, I attempted to make a normal, monthly payment to my account statement over the phone, using my debit card attached to my checking account. I thought the payment had gone through okay, as I received a confirmation number. A month later, however, after seeing my printed statement, I noticed the bank indicated that I had made a stop-payment on the amount I had paid. Realizing it was an error ( I had never requested any stop-payments on my account ), I contacted my bank who issued the debit-check card and the First National Bank of Omaha, to whom I had made the payment. I then did a 3-way conversation with my bank and the Bank of Omaha customer service to try to rectify the error. It appears when I made the phone payment, I may had inadvertently left out one of the numbers in my checking account when putting my information in. Even though The First National Bank of Omaha customer service rep realized it was an error, the person I spoke to was extremely rude and condescending, and refused to rectify the situation. I received a letter stating my account had been closed for delinquency, although I had no past-due amount assessed to the card. As a result, my credit has been damaged and I am struggling to pay the card off, as they are adding on late fees and interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-22

Detroit, MI

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: Good morning all, I have two credit cards that were opened in my name. These are not my accounts due to someone opened these accounts without my knowledge. I am disputing these charges and the credit card companies are moving forward trying to collect the money owed on the accounts. I have filed a complaint with the Federal Trade Commission. I want these accounts taken off my report as I'm not responsible for the charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-21

Howell, 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

2018-03-11

Alachua, FL

Problem when making payments

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

Problem during payment process
Complaint: Payment due date was one day earlier than I made payment online. No issues with my failure to comply on time. As I never revolve on these accounts, my concern was the average daily balance and interest continuing to accrue until the average daily balance was XXXX or less for the entire billing cycle. Discontinue using card for several months and paying extra to cover one extra day of interests and prevent minimum {$2.00} charge next month was my plan. 4 Options for payment online were 1 ) Full 2 ) Last Statement Balance 3 ) Minimum and 4 ) Other Since first 3 options all were for {$10.00}, I tried to pay {$15.00} using Other amount option. Would not allow stating it could not exceed Full amount. Full amount does not include unposted fees even though we all know they are accruing. This clear effort to prevent intentional over payments to avoid credit balances while also increasing revolving credit interest income seems very deceptive. To force me to mail or wire a separate payment via other means is not very efficient or consumer friendly in my view and I would ask that the Consumer Finance Protection Bureau seek to end this practice of preventing consumers the option to intentionally overpay to avoid additional fees or interest. Thank you for your consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-08

Florence, NE

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with monetary relief

Timely Response

2018-03-08

Cypress, TX

Improper use of your report

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

Reporting company used your report improperly
Complaint: I HAVE ASKED NUMBER OF TIMES TO HAVE MY NAME REMOVED OFF THE ACCT AND CREDIT REPORTS ASAP. XXXX XXXX SS # XXXX XX/XX/XXXX ACCT # 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

2018-03-08

Cypress, TX

Incorrect information on your report

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

Account information incorrect
Complaint: 1ST : MY BALANCE IS PAID OFF TO XXXX : WHY DOES IT STILL SHOW $ XXXX BALANCE? 2ND : I ASKED TO HAVE MY WIFE REMOVED OFF THE ACCT AS WELL OFF THE CREDIT REPORTS, WHY HAS IT HAS NOT HAPPEN? XXXX XXXX ss # XXXX. Acct # 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

2018-03-07

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

Timely Response

2018-03-05

Arvada, CO

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response