FIRST NATIONAL BANK OF OMAHA

2016-10-30

Speegleville, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-30

Speegleville, TX

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-30

Mason, OH

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

Brunswick, GA

Closing/Cancelling account

Credit card:

Complaint: ON XX/XX/2013 I OPEN A CREDIT CARD ACCOUNT FNB XXXX THE CREDIT LIMIT WAS XXXX I WENT OVER THE LIMITED THE CREDIT LIMITED BUT PAID THE ACCOUNT OFF AND RECEIVE MY XXXX DOLLARS DEPOSIT BACK INFORM OF CHECK AFTER CLOSING MY ACCOUNT WITH THEM MY ACCOUNT WAS REPORTED TO THE CREDIT REPORTING COMPANY AS A CHARGE OFF ACCOUNT AND I HAVE TRY TO DISPUTED AND TRY TO REACH OUT TO THIS COMPANY MULTIPLE TIMES THEY HAVE ADVISE ME THAT THEY CA N'T GET IN TOUCH WITH COLLECTION DEPARTMENT AND DO N'T HAVE NUMBER FOR THEM. I HAVE TRIED AND TRIED AND THEY WANT HELP
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-27

Gordon Heights, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-27

Watkins, CO

Billing statement

Credit card:

Complaint: First Bankcard froze my credit card without notifying me alleging late payment which included a recurring payment to XXXX XXXX that I had specifically told First Bankcard was not valid. As a consequence, my truck repair could not be paid using the First Bankcard and I am on foot in XXXX, Colorado without access to medical care. First Bankcard customer service told me I had to call XXXX to cancel my account which I had already sent a written response to XXXX at the XXXX XXXX address. My credit available showing is well over {$4000.00} but my credit card was frozen for {$45.00}, which I paid electronically today. Despite that payment, First Bankcard is unwilling to unfreeze my credit card until midnight tonight. I can not get my truck until tomorrow which puts me in hardship and I now have an XXXX in my foot which requires medical attention.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-26

Simi Valley, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

Cibolo, TX

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: Yes Timely Response

2016-10-20

Riverview, MI

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Cherry Brook, MA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-18

Benson, NE

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Lenzburg, IL

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-10-17

Wichita, KS

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-16

Bay Lake, FL

Problems caused by my funds being low

Bank account or service: Savings account

Complaint: I mistakenly submitted a bank account transfer to another bank account ( an ACH " push '' ) twice, the second of which would have resulted in a negative balance. As soon as I realized my mistake less than 24 hours later, I made an attempt to cancel the second transfer. The bank would not allow me to cancel it even though it had not processed. Instead, I submitted a transfer back into the account to fund the second transfer, such that I would not be charged any fees. As a result of this single mistake, I was charged {$130.00} in returned item fees, despite a bank policy of automatically refunding the first returned item fee in a year. Even so, the posted returned item fee is supposed to be {$33.00}, not {$130.00}. I can not comprehend how a single transfer in error, which was corrected before any fees were charged, would result in four times the posted fee.
Company Response: Closed with monetary relief

Disputed: Yes Untimely Response

2016-10-14

New Hamburg, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-14

Mountain View, OK

Rewards

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-13

Lenzburg, IL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-12

Discovery Bay, CA

Closing/Cancelling account

Credit card:

Complaint: XXXX XXXX XXXX - XXXX ( " XXXX '' ) reduced my credit line and then closed my credit card account in violation of the implied covenant of good faith and fair dealing. Senior management at XXXX also misrepresented how my account would be handled and I believe this was intentional. Based on the circumstances I also believe this entire matter also constitutes an unfair business practice. The history is as follows : Last year I received a letter from XXXX dated XXXX/XXXX/15 stating that my account limit was being reduced to {$500.00} for reasons that included utilization, delinquency and balances. I was shocked both because none of my information had changed since account opening and because two weeks earlier I had just received a round of letters from other creditors increasing my limits in recognition of my " excellent '' credit history. Something was amiss. I soon learned that erroneous information was being reported by way of a false account history entry, which was deleted after making a cfpb complaint. XXXX sent creditors that had looked at my credit report updated reports as required by law. Nevertheless, several creditors, citing the same information as XXXX, reduced my credit lines to the balance making it appear as though I had charged to the account limit. I contacted XXXX in writing to explain but hearing nothing in response I telephoned and ultimately ( upon request ) spoke to a manager. In a very matter-of-fact tone and manner informed me that there was nothing he ( for XXXX ) could or was willing to do but advised me that the account would not be closed because of the additional negative credit scoring implications that would have. He represented that " nothing further would happen '' as the " account can simply just stay like that '' because the reduction to {$500.00} was how they handled these accounts. I further understood that the account would be eligible for the credit line to be increased again once their automated processes reviewed the updated history reflected in the scoring. At the time I explained I probably would n't be using the account much because it had a miniature limited and he said " that 's fine. '' I have since continued to maintain an excellent credit history with all my creditors, making large monthly payments in excess of the minimum due while utilizing my accounts for various promotions. Nothing changed with XXXX until now - I received a statement in the mail today which advised that my account had been closed, citing the same reasons as last year 's correspondence! XXXX clearly misrepresented the way they would handle the account and have damaged me by closing it ( a negative credit act by a creditor ). XXXX is damaging me by hurting my credit history ( and thus my score ), therefore adding to the very reasons they claim are the basis for their acts. My credit monitoring has no negative entries but I pulled all XXXX major credit bureau reports today and all three say there is no negative account information ( XXXX, no or none for negative accounts, collections or public records ). Even looking at XXXX 's own information my credit score is XXXX points higher! Oddly, their statement of today says they used a score from XXXX XXXX ( two months ago )?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-12

MN

Billing statement

Credit card:

Complaint: I had a First Bankcard ( XXXX ) credit card that apparently has changed to a Union Bank credit card in the last couple of months. I was only notified of this change after it occurred and I received a new Union Bank credit card in the mail. I have since had alarming communications from Union Bank that I was told yesterday by Union Bank customer service representative did not come from Union Bank ( even though it appears that they did ). I have received two mailed notices from Union Bank that my account is past due, despite the fact that I made regular, automatic, online payments. When I called customer service, at first I was told that the system changed and that the online payments were abruptly cancelled without any notice to me. I was ( and still am ) unable to login in to Union Bank 's website ( nor am I able to login to First Bankcard 's website ) and in three calls to their customer service line I have been told that there is nothing they can do to help me. ( Indeed, there has been an acknowledgement that I am unable to login and an absolute refusal to remedy the situation. ) This has made me extremely suspicious. Even though I ca n't access my account online and I have not received paper statements for the last two months, I received two fraudulent past due notices. The only way I can check on the status of my account is to call the alleged customer service number on the back of my Union Bank credit card. When on called on XXXX XXXX, I was told that I had a payment due, which I made over the phone. The customer service representative ( on XXXX XXXX ) asked for my full social security number, which raised more alarm bells. After I made this payment, I received another past due notice yesterday, dated XXXX XXXX, saying that my account was 47 days past due, despite two payments made during this time period. The letter contained a " collections '' number that I called and immediately got hold music with no answer and no identifying information. I then called the number on my credit card and was told that my account was current and there was no record that anyone at Union Bank has ever sent past due notices. I am very concerned that Union Bank has either mishandled my personal and financial information in such a way that I am being targeted by fraudsters, or that Union Bank is so inept at managing my information that they are unable to send me accurate information regarding my account. I am in the process of closing the account and have registered complaints to Union Bank 's customer service and fraud departments. I have received no communication regarding the status of my account in response to my complaints.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-04

Palmerton, PA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-04

Houston, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-03

New Hamburg, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-03

Kenhorst, PA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-01

Houston, TX

Credit determination

Credit card:

Complaint: I applied for a credit card as well as a mortgage loan and was turn down when at that time when I applied for a mortgage with a XXXX XXXX and I was turn down and now a simple credit card I was turn down all because I think of my race all because I 'm a XXXX man who work XXXX jobs and no criminal back ground and a honest paying tax payer so how in the XXXX I do n't get approve shaking my head on this matter ... ..I think I need to sue everyone that 's involved in this set back
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-29

George School, PA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response