FIRST NATIONAL BANK OF OMAHA
Consumer Complaints
There are over 1354 complaints on file for FIRST NATIONAL BANK OF OMAHA. Dated between 2019-12-04 and 2011-12-02.
Complaints Page 18
2018-01-29
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-25
Neenah, WI
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: I went to buy a used truck from a local car dealership to get a better used truck since I had a stable job and had a good credit score ( 9 months prior to XXXX 2015 it was around 750 ). I had no thoughts that I wouldnt be leaving that day with the same one I had rode in with but thats what happened..the financial guy came out and asked me about some delinquent credit cards on my report to which I had no idea about. Turns out there were 4 fraudulent cards made in my name and I had no idea about any of them. Within the next few days I had my SSN froze, a police report filed at the local police station and at least 20 different disputes over the last few years with multiple credit bureaus/creditors stating that it was identity theft and slander but XXXX XXXX is refusing to remove it. They have made no effort to resolve said issues and I have made more than enough of the effort. All of the other accounts that werent mine have recognized the fraudulent activity and removed the accounts immediately.
Company Response: Closed with non-monetary relief
2018-01-24
Wann, OK
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Card was charged for something you did not purchase with the card
Complaint: XXXX XXXX card reported stolen end XXXX, beginning of XXXX. I continued to be billed for purchases and interest. Notifed 3x in XXXX, employee stated he was the one who handled original call and would be mailing out a fraud form that must be completed. I never received form. I called two weeks later and spoke with XXXX, who stated the problem had been fixed and the form with be received in 10 days, I then spoke with XXXX again on XX/XX/XXXX and his supervisor XXXX who promised the issue would be RESOLVED. Nothing has been mailed nor resolved, and I continue to be charged interest since XXXX.
Card issuer has been contacted at least 5x since XX/XX/XXXX in an attempt to resolve this issue.
I have also reached out to XXXX corporate headquarters with no response.
I greatly appreciate your assistance in this matter.
Sincerely, XXXX XXXX XXXX XXXX issuer XXXX First National Bank of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-22
Edgewater, 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-19
Lincoln, NE
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-13
Anaheim, 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: OM XX/XX/XXXX WE BECAME AWARE OF A FRAUDULANT CREDIT CARD OPENED IN OUR NAME. WE WROTE AN EMAIL TO XXXX WITH NO RESPONSE.
XX/XX/XXXX - MADE XXXX AWARE OF THE ISSUE BY EMAIL ON THEIR WEBSITE XX/XX/XXXX - CALLED BANK AND TOLD THEM IT WAS FRAUD - THEY ARE INVESTIGATING XX/XX/XXXX - FILED IDENTITY THEFT LETTER WITH FTC XX/XX/XXXX - MAILED LETTER TO XXXX XXXX XX/XX/XXXX - IT APPEARED ON CREDIT REPORT AS NEGATIVE XX/XX/XXXX - XXXX TALKED TO BANK AND " THEY ARE INVESTIGATING '' XX/XX/XXXX - RECEIVED PHONE CALL FROM COLLECTIONS XX/XX/XXXX - RE-WROTE LETTER FROM FTC FOR IDENTITY THEFT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-11
Getting a credit card
Credit card or prepaid card: Store credit 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
2018-01-10
Neotsu, OR
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 am writing to respond to XXXX XXXX of First National Bank of Omaha 's response to our complaint regarding XXXX XXXX 's credit card with the bank ( CFPB Case No. XXXX ) regarding our request that {$11000.00} in gambling charges and fees be removed from XXXX XXXX 's account. In her response, XXXX says that " these transactions occurred from XX/XX/XXXX through XX/XX/XXXX, when you closed the account '' and that " during the time the charges in question were being made by XXXX XXXX, neither you nor XXXX XXXX sought to terminate XXXX XXXX ability to use the account, or informed FNBO of any concerns about the charges XXXX XXXX was making. Rather, the billing statements that reflected these charges were consistently paid. '' I did not know until the fall of XXXX, when I came to XXXX, TX to review my mother 's finances and put her in assisted living, that she even had a credit card with you, let alone that her grandson was using it. As soon as I found out what was going on, I closed the account, telling your company that I strongly suspected fraud on XXXX XXXX 's part, and I also asked for a copy of past billing statements. After I received the billing statements from XX/XX/XXXX to XX/XX/XXXX, I reviewed them and discovered over XXXX mysterious charges that we determined where from offshore illegal gambling companies. Once we were able to ascertain what the charges were and totaled them up, we talked to your company on the phone about them, but were told you would n't remove these illegal gambling charges. After that, we submitted a claim with the Consumer Financial Protection Bureau on XX/XX/XXXX with Case No. XXXX. FNBO 's position is that, according to the response they provided for this claim on XX/XX/XXXX to CFPB, " FNBO relies on payment system operator policies and procedures designed to thwart unlawful Internet gambling. The XXXX does not obligate FNBO to police proactively for potential illegal activities underlying charges made on credit card accounts. '' However, according to your own deposit agreement as seen at https : XXXX, you say on Page 25 of the document that " You agree not to use your account for unlawful internet gambling. We may block any Transaction that we identify as a restricted Transaction under the Unlawful Internet Gambling Enforcement Act of XX/XX/XXXX or other applicable law. '' On Page 32 of that agreement, FNBO also says that cardholders " agree not to use your card to engage in illegal activity or online gambling. '' It says nothing there about relying on " payment system operator policies and procedures designed to thwart unlawful Internet gambling '' while you stick your fingers in your ears and proclaim to be shocked, shocked gambling was going on with an FNBO credit card. No, the agreement says that you " may block any Transaction that we identify as a restricted Transaction under the Unlawful Internet Gambling Enforcement Act of XX/XX/XXXX or other applicable law. '' So why would you allow such transactions to go on? Why did your company not identify over 250 offshore gambling charges, with foreign transaction fees to XXXX and XXXX, when we could figure out what they were shortly after first seeing them? Most credit card companies can pick up such shenanigans quickly. Why did n't yours? Note that you are not denying that these are illegal online gambling charges. At any rate. you would think that after the 5th or 10th strange foreign transaction fee connected with a company with a name like " XXXX XXXX, '' that your computers ' algorithms would realize something was awry. Instead, you let over 250 such transactions go through without any issue, or with giving any alert to the primary cardholder. My mother was in her mid-XXXX by then, had bad eyesight, was not internet-savvy and did not grasp what her grandson was doing with the card. Instead, she paid the bills without understanding what those mysterious charges were. It was your company 's job to protect her, and you failed. So we are still seeking the sum of {$11000.00} to be removed from this account. If your company still refuses to take responsibility for this situation, we may be compelled to pursue other avenues to resolve this claim, including legal action. Thank you for your time and attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-09
TN
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: Never received my sign up bonus for my First National Bank of Omaha Travel Elite card.
Contacted company but never received the account bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-09
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-08
Syringa, VA
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-01-05
Bitter Lake, WA
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
2018-01-04
Staten Island, 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: I am writing to respond to XXXX XXXX of First National Bank of Omaha 's response to our complaint regarding XXXX XXXX XXXX credit card with the bank ( CFPB Case No. XXXX ) regarding our request that {$11000.00} in gambling charges and fees be removed from XXXX XXXX XXXX account. In her response, XXXX says that " these transactions occurred from XXXX XXXX through XXXX XXXX, when you closed the account '' and that " during the time the charges in question were being made by XXXX XXXX, neither you nor XXXX XXXX sought to terminate XXXX XXXX ability to use the account, or informed FNBO of any concerns about the charges XXXX XXXX was making. Rather, the billing statements that reflected these charges were consistently paid. '' I did not know until the fall of XXXX, when I came to XXXX, TX to review my mother 's finances and put her in XXXX XXXX, that she even had a credit card with you, let alone that her grandson was using it. As soon as I found out what was going on, I closed the account, telling your company that I strongly suspected fraud on XXXX XXXX XXXX part, and I also asked for a copy of past billing statements. After I received the billing statements from XXXX XXXX to XXXX XXXX, I reviewed them and discovered over 250 mysterious charges that we determined where from offshore illegal gambling companies. Once we were able to ascertain what the charges were and totaled them up, we talked to your company on the phone about them, but were told you would n't remove these illegal gambling charges. After that, we submitted a claim with the Consumer Financial Protection Bureau on XXXX XXXX, XXXX with Case No. XXXX.
FNBO 's position is that, according to the response they provided for this claim on XXXX XXXX, XXXX to CFPB, " FNBO relies on payment system operator policies and procedures designed to thwart unlawful Internet gambling. The UIGEA does not obligate FNBO to police proactively for potential illegal activities underlying charges made on credit card accounts. '' However, according to your own deposit agreement as seen at https : //www.firstnational.com/common/iws/pdf/deposit_agreement.pdf, you say on Page 25 of the document that " You agree not to use your account for unlawful internet gambling. We may block any Transaction that we identify as a restricted Transaction under the Unlawful Internet Gambling Enforcement Act of 2006 or other applicable law. '' On Page 32 of that agreement, FNBO also says that cardholders " agree not to use your card to engage in illegal activity or online gambling. '' It says nothing there about relying on " payment system operator policies and procedures designed to thwart unlawful Internet gambling '' while you stick your fingers in your ears and proclaim to be shocked, shocked gambling was going on with an FNBO credit card. No, the agreement says that you " may block any Transaction that we identify as a restricted Transaction under the Unlawful Internet Gambling Enforcement Act of 2006 or other applicable law. '' So why would you allow such transactions to go on? Why did your company not identify over 250 offshore gambling charges, with foreign transaction fees to XXXX and XXXX, when we could figure out what they were shortly after first seeing them? Most credit card companies can pick up such shenanigans quickly. Why did n't yours?
Note that you are not denying that these are illegal online gambling charges. At any rate. you would think that after the 5th or 10th strange foreign transaction fee connected with a company with a name like " XXXX XXXX, '' that your computers ' algorithms would realize something was awry. Instead, you let over 250 such transactions go through without any issue, or with giving any alert to the primary cardholder. My mother was in her mid-XXXX by then, had XXXX XXXX, was not internet-savvy and did not grasp what her grandson was doing with the card. Instead, she paid the bills without understanding what those mysterious charges were. It was your company 's job to protect her, and you failed.
So we are still seeking the sum of {$11000.00} to be removed from this account. If your company still refuses to take responsibility for this situation, we may be compelled to pursue other avenues to resolve this claim, including legal action. Thank you for your time and attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-03
Simi Valley, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I was alerted by XXXX XXXX because my identity was stolen on XX/XX/XXXX that FNB Omaha had accepted a fraudulent application for credit. Upon notifying them by telephone they refused to disclose any information to their fraud department because they said they could not prove it was me, but after 24 hours I received an alert that they closed my legitimate XXXX credit account and lowered my credit score in doing so even though that was not what I was told they were going to do, or not do.
Now I have to worry that FNB Omaha has an open application for credit that was done online by a thief using my ssn, dob and full name.
HELP! They should not be allowed to keep that account open that is FRAUDULENT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-12-28
Winnsboro, LA
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 non-monetary relief
2017-12-27
Erwin, TN
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
2017-12-24
Jupiter, FL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: my wife and I own three account with this bank for over three year. XXXX XXXX XXXX XXXX XXXX failed to accept us as good loyal customer. we guess it because both of our age on or about XX/XX/XXXXXXXX we request a credit increase of XXXX for XXXX for our grandkid and was denied why? just because of a credit score which in fact they cause the account was open inXX/XX/XXXX with a XXXX credit line with a income home of XXXX. and a mortgage payment of XXXX and XXXX XXXX equity in our home both car pay for and over a million dollar in assets and about XXXX XXXX in credit card per month payment but frist nation bank charge us a month XXXX interest on one card that they reduce for no reason at all. that card had a credit line XXXX and they reduce that line XXXX that drop the credit score about 32. that put any one into a high credit usage now with this card that we ask for an increase that usage is about 71 %. think it unfair for the bank to say that they are not discrimination, and what they are done tell you what you can do with out re-evaluate history as a paid customer. it wrong and unfair to denied a person credit increase for XXXX went you are take XXXX XXXX a month interest went that customer never being late. never failed on his schedule payment in a total 48 month on time ever month. that unfair and treat wrong in ever level of business particle for a bank that a customer have never not pay there month statement. I challenge XXXX XXXX XXXX XXXX to examine my and my wife payment history with this bank. and if you find any error in payment history please contact us and we will pay this account out and closed. that is for any account hold in my name. and for this bank to denied me a increase of XXXX to purchase XXXX and with the payment history with bank I.am not an attorney but something is wrong with this picture.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-12-21
Bellevue, NE
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit 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
2017-12-19
Lakeville, IN
Getting a credit card
Credit card or prepaid card: Store credit card
Card opened as result of identity theft or fraud
Company Response: Closed with explanation
2017-12-19
Austin, TX
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
2017-12-18
AL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Complaint: XXXX XXXX sent me an offer via mail for the XXXX XXXX XXXX XXXX XXXX an 8.99 % fixed APR on transfers made within the first XXXX billing cycles. The cards are issued by First Bankcard. I was provided a " XXXX XXXX '' & the option to apply online at the following web address : yourbankcard.com.
I applied online & never received any information stating that I was approved, much less the credit limit I was approved for. I was never sent an email confirmation or anything similar.
Not too long after that, I received credit cards in the mail in my & my husband 's names w/ instructions on how to active them. On XXXX XXXX, I called the phone number listed on the card to get more details & it was then that I discovered the card 's limit & that the card was already assigned to me - as in tied into my credit. I talked to a rep & informed him that until my call, I was unaware of the credit limit assigned. Had I known, I would have declined the card. I needed to transfer more than twice the amount XXXX XXXX assigned as the limit. He & I went back & forth on the difference between " applying for '' an offer & " accepting '' an offer. I find it hard to believe that someone 's application process serves as an agreement to terms that are n't provided. I do n't believe it 's moral to provide partial information to lure someone to apply for something & use the application as a binding agreement to unstated terms.
The XXXX rep I talked to on XXXX XXXX said the terms were provided during the application process, yet when I asked for a copy of the terms he was referencing, he nor his supervisor were able to supply them. Furthermore, I was told that " if the terms were n't provided during the application process, they would have been sent with the credit cards. '' However, that 's my point : I do n't want to discover the terms after I 'm already committed to it. I want to know the terms ahead of time so I can decide if the offer fits my needs. I want this card removed from my credit history all together, not just closed.
In addition, my smartphone will not clear data from the website " yourbankcard.com. '' I 've even conducted a hard reset, yet that website retains the same amount of data. I applied for the card on my laptop, & my phone is n't synced to the laptop. Any insight on removing this data would be appreciated as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-12-15
North East, MD
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
2017-12-13
Dallas, TX
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-12-13
Reader, AR
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: XXXX which provides XXXX services has a technical glitch with XXXX and XXXX browsers. After trying to make payments, session logs out and when I brought this to customer service notice, they were rude and charged me late fees. THis is a way of making money off of customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-12-12
Beasley, MS
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