FIRST NATIONAL BANK OF OMAHA

2016-09-26

Tonto Basin, AZ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-24

Chicago, IL

Billing disputes

Credit card:

Complaint: I missed a minimum payment of {$35.00} on a TCF Bank credit card which was due on XX/XX/2016. ( I forgot it was due, because of a family emergency. ) On the morning of XX/XX/XXXX I realized this had not been paid, and I immediately paid the {$35.00} minimum due by paying online. Immediately thereafter, I called their customer service number and asked them to waive the late fee. They told me their policy is limit XXXX waive per year, XXXX in a lifetime, which is fine. Because this was the first time I asked, they said they would waive the late fee of {$26.00}. Their version of waiving is unique. Rather than tell you on the phone that your new amount owed for the next month is lessened to XXXX from XXXX -- whereby they subtract the late fee because they waived it -- they told me this : The new bill has gone out. You now owe {$74.00} minimum next month. I asked how that could be when I routinely owe about {$35.00} per month ( minimum payment ). They explained that I have to PAY the late fee XX/XX/XXXX and it will be CREDITED in XX/XX/XXXX Further, I have to pay them approximately {$18.00} in interest -- up front -- next month. AND I have to pay my minimum due for XX/XX/XXXX Total amount now due : {$74.00} minimum. They did subtract the {$35.00} I paid that morning as the new statement was reflecting an XX/XX/XXXX minimum due of {$100.00}. This is not 'waiving. ' This is having to expend more money the next month, then waiting another month for that 'waive ' to credit. And why am I owing interest as as an additional payment? And if they were able to subtract the {$35.00} payment of that morning by phone ( statement having gone out ), why were they not able to waive the late charge that morning by phone ( statement having gone out )? All I should owe for a bill due XX/XX/XXXX is roughly {$35.00}. Period. Thank you for contacting this company.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-23

Brooklyn, NY

Taking/threatening an illegal action

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

Attempted to/Collected exempt funds
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

San Diego, CA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

Fort Stockton, TX

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2016-09-16

New Hamburg, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-16

Palos Park, IL

Billing disputes

Credit card:

Complaint: TODAY I RECEIVED A LETTER SAYING THAT THEY TERMINATED MY ABILITY TO USE MY CREDIT CARD WITH FIRST NATIONAL BANK, OMAHA. INCLUDED IN THIS LETTER, WAS A DEMAND FOR THE CURRENT BALANCE OF {$250.00}. THEY INCLUDED A CONTACT NUMBER TO MAKE IMMEDIATE ARRANGEMENTS TO PAY THE OUTSTANDING BALANCE. WHEN I CALLED, THEY INFORMED ME THAT THEY HAD TERMINATED THE ACCOUNT, DUE TO A SERIOUS LATE AND NO PAYING BEHAVIOR PATTERN. WHEN I SPOKE TO A LADY, SHE STARTED NAMING OFF DATES THAT BOUNCED CHECKS, NFS AND CONSISTENT LATE PAYMENT BEHAVIOR WHILE USING THEIR CREDIT CARD. FIRST OFF, I DO N'T USE ANY CHECKS. THEY REFUSED TO GIVE ME THE CHECK #. WHEN I ASKED THEM TO SEND ME A LETTER DOCUMENTING ( DATES ) BOUNCED CHECK NUMBERS, CONSISTENT NFS AND LATE PAYMENTS, OVER THE PAST YEAR OF HAVING THEIR CC., THEY SAID THEY COULD NOT DO THAT. THEY THEN SAID THEY WERE REFERRING TO AN NFS ON XX/XX/XXXX & XX/XX/XXXX AND A BOUNCED CHECK ON XX/XX/XXXX, PLUS THE ATTEMPTED TO AUTO DEBIT XX/XX/XXXX BUT I HAD CLOSED THE ACCOUNT. I AM NOT REQUIRED TO HAVE AN AUTO PAYMENT ARRANGEMENT. THIS WAS CREATED TO MAKE SURE THAT I DID N'T FORGET TO PAY THEM AGAIN. I CLOSED THE AUTO PAY ACCOUNT AND MADE A ONE-TIME PAYMENT ON THE XX/XX/XXXX. THEN THEY SAID THAT 2 LATE PAYMENTS CONSTITUTED A VERY SERIOUS DEROGATORY PAYMENT PATTERN, BEHAVIOR. TO BEGIN WITH, THIS WAS AN ACCOUNT THAT I HAD TO PAY TO OPEN AND I THOUGHT I HAD A GOOD PAY HISTORY WITH THEM. I DO NOT WANT THE ACCOUNT REOPENED. INTENT IS MY CONCERN. THIS ACTION ALLOWS THEM TO SEND A BAD REPORT TO THE XXXX CREDIT BUREAUS AND BY ASKING FOR THE TOTAL BALANCE, WOULD ALLOW THEM TO FURTHER DO THEIR CHARACTER ASSASSINATION, BY COUNTING THE DAYS IT TAKES TO GET THAT TOTAL OUTSTANDING BALANCE. INTENT IS THE ISSUE HERE, AS I SEE IT.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

New Hamburg, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Anaheim, CA

Late fee

Credit card:

Complaint: I set up the credit card for auto pay. The user interface at the Web site ensured me that the card was set up for AutoPay for entire balance each month the card became due. Attempts to pay the balance were met with the Web site warning " Your account is currently set up for AutoPay ''. The card issuer did not process the AutoPay payment claiming they do n't do it the very first month it 's set up, which resulted in late fees and interest charges I specifically wanted to avoid.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

NE

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: XXXX at XXXX XXXX Bank in XXXX, Nebraska XXXX offered a rate match for our mortgage verbally. I sent all documentation to him as requested, including the rate documentation from our credit union. Three weeks later, after many inquires of rate locks he told me they are now unable to match the rate. We are now at risk of not having a mortgage at the closing of our new home.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

New Hamburg, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-12

Fort Pierce, FL

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-09

Ankeny, IA

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-06

Wakefield, MA

Customer service / Customer relations

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-02

NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I initially forwarded my complaints to the incorrect agency, so I apologize if you receive duplicate complaints. I had opened an account on XXXX/XXXX/16 through FNBO Direct, to which was open without issue until I had my student loans ( XXXX ) deposited on XXXX/XXXX/16 in the amount of {$15000.00}, to which the bank has held my funds and will be now closing my account, but first holding onto the funds for a period of 15 days including the first hold that was placed on my direct deposit. I first called the bank and also e-mailed the bank whether student loans being direct deposited in this amount would be alright given that the account is somewhat recent and I have to pay for my semester living expenses/bills and I was told yes ( I can provide all documentation ). These funds were posted 2 days later on XXXX/XXXX/16 ( despite the disclosure agreement stating the same day ), and once they finally posted late, I was able to use my checking account debit card for the day they were deposited, but then they put a hold on my account with no notification given for a period of 24 hrs ( this had devastating consequences - I was unable to eat or get things I needed for the academic year, and the bank made no accommodation - since FNBO Direct is an online bank they could have notified me that they were going to hold the funds instead of allowing access then denying access, as it is stated in the disclosure statement that I must be made aware if any funds are being held if you read the disclosure statement which is brief in comparison to other banks ). The following day the hold was released and I was able to make some purchases, but when they first placed the hold on XX/XX/XXXX, they first just about accused me of fraud by saying on the phone that the " First National Bank of Omaha can hold my account funds at any time and they need to protect the bank from fraudsters. '' I had filed a complaint with the wrong agency ( the complaint will be forwarded I received notice ) after this had transpired. Next, on XXXX/XXXX/16 I made a series of purchases, paying primarily for bills, taking money out of the ATM to get a money order for some other bills, and a couple purchases for things I needed to furnish my apartment at XXXX and XXXX XXXX, but when I went to pay my mechanic the card was declined, I found out the real truth that they were holding onto my funds for another 10 days. After talking to the bank for over an hour on the phone, I found out that they were closing the account and that the risk department would hold all my money {$8300.00} for 10 days before closing the account, since " the bank needs to protect itself against fraud. '' After speaking with a supervisor I was told that they would try to release some of the funds since I was not notified that they were going to do this ( and told that they would send a letter in this instance that they would close the account ), but having no notice to close the account left my in a position of devastation. I have felt discriminated against for making purchases that are primarily bills and are purchases that will get me through the academic year, and because of this, I have {$0.00} and was unable to pay rent on XXXX/XXXX/16. I have not had food in 2 days ( again ) since I have no outside resources to help me and I specifically inquired whether the direct deposit would be alright in the first place and was told it should be fine as will be shown in the documentation from the online secure message center. Nobody will get back to me to let me know when I will receive my money, since I was most recently quoted that I would be sent out a check on XXXX/XXXX/16 but also told that was wrong and it would be XXXX/XXXX/16. I do n't think I 'll survive that long on {$0.00}, when I will likely be evicted and will be in starvation mode at that point in time. They could at least wire the funds to another bank since that is an account closing option.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-01

Palos Park, IL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-31

Bayside, WI

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Kansas City, MO

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

2016-08-27

IL

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: I noticed an article today about Bank of Omaha, and their illegal credit card practices. I am so glad you nailed these guys. They basically ruined my life when they added me to my wife 's credit card account. When the strain of the fees and charges broke her, it took me down as well, causing us both to lose our house, bankruptcy, and nearly our marriage. This was about 7 years ago or so. Any discomfort you cause them, know they deserve all of it, and probably a lot more.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Leeton, UT

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

New Hamburg, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-25

Texas City, TX

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Lawrenceville, GA

Balance transfer

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

Natrona Hts, PA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Brooklyn, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response