FIRST NATIONAL BANK OF OMAHA

2017-05-22

Omaha, NE

Money was not available when promised

Money transfer, virtual currency, or money service: International money transfer

Company Response: Closed with explanation

Timely Response

2017-05-21

Burlingame, CA

Getting a credit card

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

Application denied
Complaint: In XXXX XXXX , I applied for FNBO Travelite car d and I was rejected b y FNBO ( First National Bank of Omaha ). And I respect their decision based on whatever criteria they used. However, in XXXX XXXX I received an exclusive invite from FNBO to ap ply for the same card with a custom invitation code. I applied and was rejected again. This rejection is not only completely misleading but also adds an unnecessary hard pull to my report making it harder for me to get credit elsewhere.
Company Response: Closed with explanation

Timely Response

2017-05-20

Norfolk, VA

Getting a credit card

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

Application denied
Complaint: I applied to First Bankcard XXXX, XXXX for a XXXX visa card XXXX credit cards on XXXX and XXXX XXXX 2017 since I like ordering products from those websites. Receive an email stating they may need to verify my identity. I contacted the above bank and had them verify my identity. I was told I was declined for both cards several days later and that I would receive an letter stating both applications were declined. I received the decision letter between XXXX XXXX, 2017. One letter stated I was denied credit while the other application stated unable to verify identity. I was told once again on phone both applications were denied for too many applications. I assume the representative was rushing to get me off phone instead of trying to help me. If both applications were denied because excessive inquiries then both letters should of stated this information. I am therefore filing complaints because this just is n't right! I will be forced to file additional complaints since this bank being too difficult to get a card with. I do n't feel this bank cared enough to help me. I was just another application to them!
Company Response: Closed with explanation

Timely Response

2017-05-19

North Hollywood, 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: I notice d FNB Omaha on m y credit file and did not know what is was for. I am a victim of identity theft and filed a police report, FTC claim, and put alerts on all XXXX bureaus in XX/XX/XXXX . I have been able to resolve alot of the issues, but for some rea son FNB Omaha still rem ains an issue. I have sent them a copy of the police report and disputed it since XX/XX/XXXX . The information they 've provided me with is the following : My name, date of birth, social security, and address, which were all mine. The problem is I never had an account with them or ever applied or authorized an account opening. After my dispute and attempt to get this account out of my name and off my files they deemed it legitimate. Here 's the information they gave me : - a check with my name and address at the top from some authorized signer in the amount of {$35.00} which was not cleared. I asked them who endorsed the check? and they claimed that it was an automatic payment which never cleared. Then they spoke to someone who was supposed to be me who told them : '' it was a fraudulent account and would call back with new account information. '' Also they notated " do not delete tradeline '' on the account. Then they claim the account has been sitting there for 2 years just dormant even after I made a fraud claim. It still remains on XXXX of my credit files. I have never received any mail or calls regarding this so-called legitimate debt. I was also informed there were alot of auto charges on it, rental cars, and charges in states I do n't even reside in. Lastly, I told them I never heard of them or ever had this account. If it was legit : I asked them to simply do 2 things : T ell me how it was applied for and where was the card sent. They are unable to provide that information and said they sold the account. How could a bank sell a fraudulent account? After sending them a final affadavit in XX/XX/XXXX , they sent me back a letter stating they received my dispute and stated that " any failure for them to provide me with any information or documentation I 've requested does not mean that I do n't owe the debt or that I 'm not obligated to pay the debt. '' They said I 'm responsible for the following reason s : 1. I o pened the account XX/XX/XXXX ( which I never have and asked them how was it opened. I live in XXXX XXXX how did I get an account fro m Omaha which I never heard of ) 2. The address I provided in my dispute letter matches the address provided at account opening and which periodic statements have been mailed. ( which made me ask for proof of how it was opened via online, phone, or walk-in. They should have that info since they claimed it was provided at account opening. Plus, they sent me 3 co pies of statements in this response with due dates o f XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX showing just the total amount with my name and address at the top. Like I said photocop ies. Plus, the represenative told me they sold the account. None of this makes sense. ) 3. I 've mad e payments on this account affirming my responsibility for it. ( They sent me a photocopy of a check issued by XXXX XXXX XXXX XXXX who I never banked with and it included an authorized signature from some unknown for {$35.00} whic h never cleared. ) 4. Copy of My billing rights. 5. A copy of my dispute letter which included a copy of my license and ss card which I 've provided with the affadavit as authe ntication. If they do n't resolve it immediately I 'm going to have to file a motion and pursue litigation.
Company Response: Closed with explanation

Timely Response

2017-05-16

Pardeesville, PA

Incorrect information on your report

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

Information belongs to someone else
Complaint: Account was not verified or Consent was not givin prior to reporting under the FDCPA.
Company Response: Closed with explanation

Timely Response

2017-05-11

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: Closed with explanation

Timely Response

2017-05-09

Yonkers, NY

Struggling to pay your bill

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

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2017-05-08

Alachua, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2017-05-02

Clarksville, TN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-05-01

Newnan, GA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: In XXXX XXXX , I got behind on my credit card with First National Bank of Omaha due to having a baby and being on unpaid maternity leave. I could n't catch up and pay the minimum amount due so I ignored it for a while. About a year later, a debt consolidation company XXXX XXXX ) contacted me on First National 's behalf in order to consolidate. I worked out a deal where I would pay back half of the debt over a course of a year which amounted to about {$2400.00} and the other half would be reported on a XXXX Cancellation of Debt which I filed on my taxes for the year XXXX . Since then, I keep having call after call from a different company/firm trying to collect on this same debt. I tell them that I have fulfilled the debt through a debt consolidation company and they say thank you and we will take care of it. Then a month or two later, I get another call from another company with the same story. So I tell them again what I did and they leave me alone. I have seen where they are going so far as to call my brother in another state and my in laws trying to find me. This is utterly ridiculous and I need help! Any help you can provide would be fantastic.
Company Response: Closed with explanation

Timely Response

2017-04-30

Franklin Lks, NJ

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: Closed with explanation

Timely Response

2017-04-27

Roseville, CA

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: Closed with explanation

Timely Response

2017-04-26

Cocoa, 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

2017-04-20

Cocoa, FL

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-19

Roseville, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

Cocoa, FL

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

Wonder Lake, IL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Someone trying to open a credit card under my name from XXXX and XXXX first bank card.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

MO

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: In XX/XX/XXXX, I applied for and received a credit line for a company that I was employed by The company used the credit line after I left the company in XX/XX/XXXX. In XX/XX/XXXX, the company requested that I be removed from the account altogether and that another individual be added in my place. The company made this request in writing, pursuant to the instructions that accompanied the credit application. The bank did not remove me from the account, but did increase the companies credit limit in XX/XX/XXXX, using my credit score, and once the company started to miss payments, has pursued me personally for 100 % of the corporations debt, though they have written confirmation that I was not an employee of the company and that the company requested to remove me from the account in XX/XX/XXXX. I should have been removed from that account, and that account should have been closed, or remained open with the other individual 's credentials, not mine.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Gallatin, TN

Closing/Cancelling account

Credit card:

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

Disputed: No Timely Response

2017-04-09

Phoenix, AZ

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-05

Desert Hot Springs, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-01

Federal Way, WA

Billing disputes

Credit card:

Complaint: Hello, I am not getting a refund of {$89.00} from National Bank of Omaha credit card company. I have talked to them on the phone 2-3 times and documented emails agreeing to send this refund. It 's been more than a month and they are still running me around. Please advice. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-31

Palos Park, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

AZ

Customer service / Customer relations

Credit card:

Complaint: Have an XXXX card from 1st Bank, Omaha, Advertising tells of many benefits including points for room cost reductions. Can not get full info on what points are worth. Many hoops to jump through to convert points so may use etc. Neither XXXX nor the bank is helpful on explanation. Bank is now ignoring requests for information.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Queens, NY

Delinquent account

Credit card:

Complaint: Hi, My credit card bank ( XXXX ) just close my account recently and report 2 late payment to a credit monitoring company ( XXXX ) witch result to dropping my score from excellent to good..well I always have issues getting my statements by mail and a reported that to them in many occasions, last 3 months they just stopped sending statements and all I got from them is a letter that state my account was closed and about {$75.00} of late fees..i called them to discuss the issue and their response was total ignorance ...
Company Response: Closed with explanation

Disputed: No Timely Response