FIRST NATIONAL BANK OF OMAHA

2016-12-16

Delray Beach, FL

Application processing delay

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-15

East Millstone, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-14

Roseville, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-13

Omaha, NE

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-12

Enon, VA

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

Fountain Hills, AZ

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-08

Lederach, PA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-07

Oxford, GA

Cash advance fee

Credit card:

Complaint: I used my First Bankcard credit card to purchase {$50.00} commissary voucher to a prison inmate. My credit card has charged my account {$15.00} as a cash advance transaction. I requested to the customer representative XXXX, then to the supervisor XXXX that the {$15.00} fee be waived because I did not consider the transaction to be a " cash advance ''. My request for the fee " one-time '' to be waived was denied.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-06

Rosenhayn, NJ

APR or interest rate

Credit card:

Complaint: I took an offer for a balance transfer promotion from First National Bank of Omaha ( First Bankcard ) in or around XXXX XXXX. The promotion was for a lifetime 5.99 % APR. Then in XXXX of XXXX, I made a purchase for {$3100.00}. Since then my minimum payment every month has gone to reducing the balance of the lower APR promotion while the bank has continued to charge my the higher 15.25 % on the purchase from this year. I was under the impression from the XXXX Act that my payment would go to the higher interest charge and would allow me to continue to take advantage of the promotional rate on the balance transfer. Upon calling I was informed this was incorrect. That they can apply the payment as they see fit, first to interest and fees, then to the lower APR. If this is true, it certainly is not in the spirit of the XXXX Act and was not disclosed to me at anytime. I would not have used this card again until I had taken full advantage of the lower APR promotion. Now in effect I am not getting that promotion because my payments are being applied to the lower APR balance first. I take the bank at their word that this is legal, but it is definitely not consumer friendly. This was not disclosed in any way, in effect voids the offer that I accepted from the bank on that balance transfer, and actually increases my interest payment each month. As the lower APR balance is paid first, the remaining balance accrues interest at the much higher rate.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-05

Omaha, NE

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-29

Niles, IL

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-22

NE

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: I have a loan through first national bank of omaha that originated in XXXX of 2007. The loan was for XXXX. I have been paying XXXX a month for the last 9 years for a total of XXXX in payments. I checked my statement as i am interested in selling the house the loan is on and I still owe XXXX. So out of the XXXX in payments only XXXX went to principle. I was not made aware during the agreement that this loan was so insane.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-16

Burlington, MA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-12

Ladies Island, SC

Other

Credit card:

Complaint: First National Bank of Omaha has broken 2 Federal Laws, the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) and the Fair Debt Collections Practices Act Section 807 ( 8 ) in which it is stated that if a consumer disputes the information on their report the defendant is required to : a ) Provide documentation of the debt bearing the consumer 's signature b ) Mark the consumer 's credit report as disputed within 30 days. Neither of these things were done. The initial dispute was sent via certified mail and signed for on XX/XX/2016. I have included evidence attached showing that within 30 days, which would have been XX/XX/2016, none of the XXXX credit agencies had marked my credit reports as disputed and there was never any validation of the debt bearing my signature. I filed a small claims lawsuit initially XXXX from the bank proceeded to bully me ( during a phone conversation on XX/XX/2016 ) into dropping the lawsuit by arguing me about the facts of the law and then making a counterclaim against for an incorrect debt that has already been charged off anyway. He misstated the laws and would not hear my side of the story, so this is my last recourse to get the information removed from my credit report. I am including as attachments 1. Original dispute to the First National Bank of Omaha 2. Evidence of date it was signed for on XX/XX/2016 3. Subsequent letters to the First National Bank of Omaha 4. Evidence of dates they were signed for XX/XX/2016 5. Screenshot showing the information was not marked disputed by XX/XX/2016 -- was not even marked disputed by XX/XX/2016 when credit report was run
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-11

Brooklyn, NY

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-09

Omaha, NE

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-05

Carmel, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-05

Watkins, CO

Late fee

Credit card:

Complaint: I missed my XXXX XXXX, 2016 payment by mistake and called the company on XXXX XXXX, 2016 when I realized my error. They waived the late fee and, in order to prevent this problem from happening again, we discussed changing my due date from the XXXX to the XXXX. I was told that future payments would be due no later than the XXXX. I even set up auto-pay to ensure I would not be late again. Today, XXXX XXXX, 2016, I received an email notice that claimed I missed another payment. I immediately called the company who confirmed that they changed the due date and setup auto-pay for me. However, they claimed that the due date change was not take effective until XXXX 2016 and the auto-pay would not start until XXXX XXXX, 2016. I was not advised on the phone or in writing that the due date change would not be effective for the XXXX 2016 period. Further, the company sent me the XXXX 2016 statement on XXXX XXXX, XXXX, but I spoke with the representative on XXXX XXXX. Thus, the XXXX XXXX statement would not reflect this representation and change by the company. The company has now increased the late fee from {$23.00} to {$37.00} and refuses to waive it. I relied on their representation that my due date was changed for all future periods, including the XXXX 2016 period. The company is now attempting to charge me a fee for its mistake.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-04

RI

Unsolicited issuance of credit card

Credit card:

Complaint: About 5 years ago I opened a savings/checking account with XXXX Bank. The institution without my consent sent me a credit card which I did n't apply for. I consulted the banker back then and was informed that it would hurt my credit if I cancelled/closed the credit card account so I decided to keep the card. Today, I requested the bank copies of my initial application and they refuse to provide them ( application no longer available ). The representative further stated that the bank may now close my account due to the fact that the credit card account was opened fraudulently. I informed the representative that I am fully responsible for the current charges and I have always made payments on time for the last 5 years. I am now afraid that the closure of the account will affect my credit score and this will greatly affect me in the future. Further, I am concerned that the bank will require me to pay the full balance.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-04

Orange, CA

Cash advance fee

Credit card:

Complaint: I have been a member of XXXX bank for many years but this year 2016 I had obtained a cash advance in the amount of {$10000.00} from the union bank on XX/XX/<YYYY> XX/XX/2016 with 5.99 % interest rate as a promotion. At that time XXXX bank was using The first bank Card services and I had always made the monthly payment on time and never late. Starting XX/XX/XXXX, I received a phone call that the payment was never received and charged late fee which was post it in XX/XX/2016, after I had made the payment and received a confirmation number?? My account was transferred back to XXXX bank with a new visa card and I was being charged 14.99 % interest rate since XX/XX/XXXX. When I called to inquire about the increase interest rate, I was told because my account now was with XXXX Bank?? it seemed rather strange that my account had always been with the XXXX bank. The monthly statement reflected 5.99 % rate and still my payment showed I am responsible for 14.99 % according to the XXXX Bank representatives? many phone calls and hours and hours of being placed on hold have not resolved the issue and the discrepancy?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-03

Lenzburg, IL

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-03

Evans, CO

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-01

FL

Problems caused by my funds being low

Bank account or service: Savings account

Complaint: In response to CFPB Complaint Case number : XXXX Thank you for your response to CFPB Complaint Case number XXXX. However, I am not satisfied with your response. XXXX acknowledged that they engaged in XXXX actions that I consider unfair and predatory. First, XXXX switched the order of ACH transfers that resulted in XXXX charging XXXX Returned Item Fees instead of XXXX. Second, FNBO re-submitted these transfers, without my consent, and after I had already attempted to rectify the issue, resulting in XXXX being able to charge XXXX Returned Item fees instead of XXXX. Despite this, XXXX did not offer to waive XXXX additional XXXX XXXX fee as requested. As a result, I am filing a new complaint with the CFPB and will continue to keep doing so until at least XXXX of the remaining XXXX XXXX XXXX fees on my account is refunded.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-31

Tabb, VA

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-31

Orlando, FL

Billing disputes

Credit card:

Complaint: I have maintained a credit card with XXXX XXXX XXXX XXXX XXXX for several years. I made several attempts to close this account over the years and for some reason or another I was unable to do so and continued to receive billing statements. In the last few months I escalated my efforts to close this account as the bank has began to send collection reports to the credit agencies for a nominal amount after claiming to have been unable to contact me. The bank has my telephone number and I did not receive a single phone call from them on this matter and the only reason my address was out of date is because I had believed my account had been closed. I have had my account past due in the past and recall receiving automated calls from the bank notifying me of the same. I would have gladly paid these nominal amounts and again attempted to get rid of this credit line had I known about the issue. I attempted to deal with the bank directly to was told initially that a supervisor would review my record and listen to the recorded telephone calls over the past years and get back to me - which they never did. I again had to follow up with them as I received yet another bill but this time was able to learn a little from this process. When I would call the bank and try to XXXX the account out - the bank would take payment for the past due amount but not for the interest and charged thereon which would then come out on my next statement thereby preventing my account from actually being closed. The bank was also very resistant to sharing information with me regarding my file and has left me in a situation where I do not have all of the facts I need to show them ( the bank ) that they need to resolve this matter. They have also told me that they are unable to communicate directly with the credit reporting bureaus once a report has been filed and I need to deal with them on my own to fix my credit score. When I called my home bank ( XXXX ) i was informed that the affiliation with XXXX XXXX XXXX XXXX XXXX had been terminated for similar complaints.
Company Response: Closed with monetary relief

Disputed: No Timely Response