FIRST NATIONAL BANK OF OMAHA

2017-07-26

Fort Mill, SC

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-07-24

Gretna, NE

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2017-07-21

Omaha, NE

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2017-07-20

Grangeville, LA

Incorrect information on your report

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

Account status incorrect
Complaint: FNBO was included in my husband 's bankruptcy case. A discharge was ordered. FNBO forwarded by file to a collection attorney. My attorney wrote 2 letters for which FNBO attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. FNBO bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The supervisor, XXXX in the Bankruptcy department stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. FNBO has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with FNBO I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.
Company Response: Closed with explanation

Timely Response

2017-07-17

Queens, 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: Upon setting up my online account I m ixed up two number s on my bank account. Because of this mistake my payment was returned. Since this was a typo setting up my account I called the credit card and asked if they can return the {$25.00} I was told they can not return to fee.
Company Response: Closed with monetary relief

Timely Response

2017-07-12

Schuyler Falls, NY

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

2017-07-10

AL

Problem when making payments

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

Problem during payment process
Complaint: In the early XXXX 's I had a credit card called XXXX. It went out of business long ago but I am still paying on my balance. They put up a website to take payments but they make it nearly impossible to get into it. Every single time I try to log in it gives me trouble by not taking my password. It asks to change passwords often too, and then it wo n't take the new password. Once you try three times it locks you out for three hours. Today is my deadline and I tried to get in to make my payment. It would n't take my password and then locked me out for three hours. By the time three hours is up, I will have a late charge because my payment will be late. I tried calling their XXXX number to pay by phone but there 's apparently no way to get anything but balance, etc from that number. This is ridiculous and I am tired of becoming anxious every time I try to pay this bill. Maybe they will answer you but I doubt it.
Company Response: Closed with explanation

Timely Response

2017-07-07

Shindler, SD

Problem when making payments

Credit card or prepaid card: Store credit card

You never received your bill or did not know a payment was due
Company Response: Closed with explanation

Timely Response

2017-07-07

Omaha, NE

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2017-07-06

Rumpus Ridge, SD

Problem when making payments

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

You never received your bill or did not know a payment was due
Company Response: Closed with explanation

Timely Response

2017-07-05

Erwin, TN

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: Closed with explanation

Timely Response

2017-06-30

NC

Incorrect information on your report

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

Account information incorrect
Complaint: I paid my account in full, no warning showed up that there were any interest charges pending. {$2.00} and some change in interest charges kicked in after I Paid the balance in full. No email or other warnings were sent until I logged in to my account and found out that the {$2.00} was built up to {$26.00} and have been reported on my credit report as late payment. I have two cards with this bank and both of my cards should have been on auto pay but this particular card for some reason was n't on auto-pay but should have been on auto-pay.
Company Response: Closed with explanation

Timely Response

2017-06-27

Nyc, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: After firing a Financial Advisor, XXXX XXXX, for stealing XXXX from my IRA which I recovered, I received back my documents. Among them were three fraudulent XXXX advice of Credit ordering from XXXX XXXX XXXX XXXX XXXX acct XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX said it did not have an account under my name or social security number and the account number does not link to me. XXXX can not identify the transactions but has not reported the fraudulent advice of credit forms to the police and has told me that it is a civil matter. The XXXX Advice of Credits may be dated in XXXX format which would place them in 2012. I do not know the reason behind these fraudulent bank documents and am concerned that an unknown account at XXXX XXXX may in fact have my money.
Company Response: Closed with explanation

Timely Response

2017-06-24

Knightsville, SC

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 non-monetary relief

Timely Response

2017-06-23

Coral Springs, FL

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

2017-06-21

Bartlett, TN

Problem when making payments

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

Problem during payment process
Company Response: Closed with monetary relief

Timely Response

2017-06-18

MD

Other features, terms, or problems

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

Other problem
Complaint: My name is XXXX XXXX , last four of my social at XXXX . My mailing and billing address is XXXX XXXX XXXX XXXX MD XXXX . Date of Birth XXXX XXXX XXXX . I have been blocked out of getting any info or using my credit card with First National Bank of Omaha. I followed their instructions in getting my identity verified by getting notarized ID and bills and sending it to the bank. THe bank is now forcing me to try to get a local bank to call the bank to verify my identity and I have tried and no bank in my area has that policy to do so. In addition, per the fair credit billing act, and fair credit reporting act, credit card companies can not verify identity in such way and unreasonable behave such that they do not provide me any information or allow me to use my card. I have fraud on my account and I expect the ban k First National Omaha to completely XXXX out my balance as any charge on that account in the past 2-3 months would have been used fraudulently without my consent unless it is my family member, which as of now we have no idea as First National is not shari ng with me. Hence, I request First National to follow the instructions I sent them via statements USPS mail and look at the circled charged on that statement and file them as fraud and re credit my accou nt so that my account has XXXX TOTAL balance now. In a ddition I request First National to remove the block on my account and call me to discuss deta ils of my account at XXXX as I have already proven my identity via notarized documents.
Company Response: Closed with explanation

Timely Response

2017-06-15

Phenix City, AL

Managing an account

Checking or savings account: Other banking product or service

Problem using a debit or ATM card
Company Response: Closed with monetary relief

Timely Response

2017-06-14

Central Islip, NY

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-06-14

Beaumont, TX

Other features, terms, or problems

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

Other problem
Complaint: I was the victim of a scam and feel as though the crdeit card company was complicit in the scheme ( whether knowingly or not. ) The scheme could not have worked without the credit cards process that i find to be at fault. I was beginning to work for company and as a part of my probationary period I was to make purchases. The first of these purchases were XXXX XXXX Gift Cards. I was to use a credit card that had a high balance on it. The company employing me would make a payment on this balance and then I would use the resulting credit to purchase the XXXX XXXX gift cards. I used the credit cards mobile app to see when the payments were made, when the credit was available and when the charges for the gift cards would appear on my account. My starting credit card balance was a little over {$7000.00}. The company employing me authorized a payment to my credit card on X/XX/17 in the amount of {$4500.00}. When that showed on the credit cards mobile app as available credit on X/XX/2017 ... I used the avaiable credit to buy {$3900.00} in XXXX XXXX cards. The company employing me instucted me to make a XXXX XXXX dollar payment to my credit card when the first XXXX XXXX purchase was applied to my balance. So on XX/XX/2017 I made a {$6100.00} payment from thier bank to my credit card account. When that payment resulted in the mobile app indicating I had the available credit on X/XX/2017, I purchased another {$6000.00} worth of XXXX XXXX cards. I waited until the charges for those cards appeared on my credit card mobile app and then as instructed on X/XX/2017 I made another {$6100.00} payment from my employers bank to my credit card. When that payment showed as available credit on the mobile app on X/XX/2017, I made another purchase of {$6000.00} worth of XXXX XXXX cards as instructed. The alledged employer cashed out the XXXX XXXX Gift Cards before I was aware. Subsequently the alleged employer reversed all the payments to my credit card and left me with a balance owed of over {$24000.00}! When I spoke with my credit card company about it they informed me that a bank has 15 days to reverse it 's payment to the credit card. My question then is why did the credit card company show that the payments were good and therefore I had the credit avaialable. I never would have charged the XXXX XXXX cards had they waited the 15 days to show the credit was available. The payments would have been reversed before then and I would have not had the credit available. I feel my credit card company aided in this scam by showing available credit when they should not have. I spoke with the credit card company several times and no one could answer my questions about why the available credit showed on my mobile app. They said it was standard procedure to post payments on accounts before the 15 day reversal period is over. How can that be? It would seem that scammers know that! It would even seem that maybe the people pulling off the scam have a very deep knowledge of credit card flaws and how to abuse people using them. The scammers may even be ex credit card company employees ... or current employees! What matters here is that a flawed policy has left me owing a balance that I will never be able to pay back. If I make minimum payments it would take XXXX years ( I will be XXXX years old. ) Making the minimum payments ... I would pay back over {$61000.00}! It is easy to see that the system allowing credit when it should not be allowed has seriously injured me and my family financially. I am also apply for work for which I need a government license and this may hurt my chances there as well. All because of a flawed process by the credit card company for which I firmly believe they are liable.
Company Response: Closed with explanation

Timely Response

2017-06-11

Norfolk, VA

Getting a credit card

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

Application denied
Complaint: I applied for two credit cards with XXXX XXXX XXXX XXXX XXXX on or about XXXX XXXX, 2017. The XXXX they say were declined because of too many inquiries. The XXXX XXXX was denied they say because I answered security questions incorrect. There seems to be a major problem with this bank. First of all both applications should of been declined if one application has too many inquiries. Secondly, I had an fraud alert on my credit report that I am trying to have removed. I am being told declined because I did n't answer security questions correct. Lets discuss this issue. One of my security questions was asking me about a phone number I had n't used in over 30 years. I am now XXXX years old so do you think I am going to remember an phone number from over 30 years ago. Why could n't they have sent an security text code to my phone like XXXX and XXXX XXXX. In some instances I was able to fax information such as social security card and current utilitiy bill proving it was me that applied for the credit card. I feel XXXX XXXX did n't want me to carry their credit card and just made up stupid reasons why credit was n't extended. This is why I am not doing any more business with XXXX website. Furthermore it seems too frivilous to come up with different reasons why I was denied a credit card. If too many inquiries then both applications should of been denied based on that reasoning. If both products pulled XXXX credit reports which the bank pulled then why was n't an security questions asked for XXXX XXXX card. After all, The fraud alert should have effected both applications! If the bank going to declined an application for unable to verify identity then it should effect both applications instead of one. XXXX XXXX just did n't want to issue me an credit card it seems. I feel I am being discriminated against because I am XXXX year old man!
Company Response: Closed with explanation

Timely Response

2017-06-10

South Florida, FL

Problem adding money

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: The account was opened on XX/XX/XXXX and never was provide the service by the sales person, XXXX XXXX representing the merchant for the use of the credit card machine. In addition, I paid {$35.00} extra for an upgraded wireless credit card merchant processor . Again ne ver received the item. Since then the machine only functioned during the month of XX/XX/XXXX never again. I complained serval times to the sales rep, XXXX XXXX ( ev ery month ) and was told that the company would replace the machine which never arrived and that the monthly service charges would be refunded. I was ignored and lied too continuously as no action to correct this matter was taken by the Merchant. I have also been charged an Annual fee of {$120.00}. I contacted their customer service on XX/XX/XXXX and spoke to XXXX , also on XX/XX/XXXX and spoke to XXXX to complained about the Annual Fee and Monthly Charges as well as to complain about the credit card machine still not working and the sales rep not responding as promised. Both XXXX and XXXX , Customer Service Reps advised that the company would refund the Annual fee and the monthly charges. I followed up again with their customer on XX/XX/XXXX and spoke with XXXX since the refund was not done. XXXX said that she would research what happened as their system showed I was to be refunded. She said that she would follow up with a response no later than XX/XX/XXXX but I never received a call back. I called again and spoke with XXXX on XX/XX/XXXX to explain the above was promised a replacement credit card machine which was received in XX/XX/XXXX and on XX/XX/XXXX the business was sold. I informed th e Sales Rep, XXXX XXXX of the sale and completed a new agreement with the new owner of the business and that my lease agreement would be cancelled without penalty. The sales rep, XXXX XXXX that same day the new account was signed with the new owner took the credit card machine that was assigned to me. The new owner received a new credit card machine later that week. I continue to receive calls and am being charged for services I no longer am responsible for. This unjust and criminal. As of XX/XX/XXXX the total amount taken from my back account is {$370.00}.
Company Response: Closed with explanation

Timely Response

2017-06-08

Fort Collins, CO

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2017-06-02

Spring Hill, FL

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: I called First National Bank of Omaha in XX/XX/XXXX and made an offer to start making regular payments and when I told the lady how much I wanted to pay she was extremely rude. They did not agree. They have charged multiple fees and then charged interest unfairly including interest on the fees. These fees have made my balance increase {$600.00}. <P/> They have been calling my place of employment. They called today XX/XX/XXXX and once before. They are harassing me at my job! I told them to stop calling my job and they just continue.
Company Response: Closed with explanation

Timely Response

2017-05-26

Skanawan, WI

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: Closed with explanation

Timely Response