FIRST NATIONAL BANK OF OMAHA

2016-08-16

Austin, TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-15

Lewisville, TX

Deposits and withdrawals

Bank account or service: Checking account

Complaint: The bank in question is First National Bank XXXX located at XXXX XXXX XXXX XXXX TX XXXX. The bank has put hold on my funds in my business account in name of XXXX XXXX XXXX XXXX. I am a XXXX customer.Bank never issued me hold notice when deposits were made or even on next day as required by reg cc. The deposits are now 2 to three weeks and are collected as I understand. This hold was an afterthought. I was told that the funds will be held for 30 days with out mentioning from which day and irrespective of when it was deposited. I believe that this is not with the reasonable timeframe of reg cc. The bank confirmed that funds would have been collected by now. That eliminates the ground for concern that the fund in check will not be collected. I need help from CFPB in the following. 1. Please bring to notice of the bank that they have violated the norms by holding the funds with out giving me notice. 2. It may be a violation to hold the funds after the funds are collected, the hold is for unreasonable period and should be lifted. 3. Customers trust the banks with their money. If banks do not give customer 's money, it is attack on institution and I need CFPB to make sure that. 4. I was told by the branch manager that he is following advice of their legal department. Please investigate the legal and compliance team to make sure such unreasonable actions violating the norms are not taken. Thanks XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-13

Oxford, GA

Late fee

Credit card:

Complaint: I am wanting to report an issues with XXXX of my creditors auto payment that will not withdrawal properly from my bank account even after several setups causing me to have to constantly log in and pay manually and I finally figured out that the issue was not on my end for being reported late and impacting my credit report. After the several attempts before of setting up autopayment and it not paying. I figured I was thinking to myself that I may have forgotten to so I did a manual payment before. I was basically second guessing myself since I was thinking a creditor website should always have this working. This is during the beginning year when starting to use this creditor. Then I just started to just continue to log in and pay manually until around XXXX and XXXX I decided to set the autopayment again. Not thinking I didnt log back in because of my busy schedule to the site to check and thought it would go through this time. After later on finding out that I got a negative report that I was 30 days late. I decided to try one last time and setup autopayment after I got that. Then I logged back into their site and found out I was late yet again and no auto payment from my bank account yet again, fortunately I logged in again and did a manual payment before the 30 day mark. This creditors system is not functioning properly to do any autopayments for me. I am requesting for them to remove my 30 day late negative report for their haste of system issues. The third time setting up autopayment and not working is a charm to finally wake me up and understand that their website is not fully doing any proper auto payments. Do you know what are my options on getting this resolved to have the negative report removed. Do I need to submit a claim to a court to have them get this removed? Did they violate any laws for this? This is certainly not my fault for having a negative report if you relying on the creditor website system to do what it should be doing. If you look at my credit report. I have never had a late payment ever. After moving to this creditor and using their website system to make on time payments. It has ruined a bit of my credit. I have had on-time payments since I was XXXX and now XXXX. This is the first time every running into a creditor that system does not work the way it should or I would like. I relay on these autopayments to work so that I do n't have to login everytime to pay due to busy schedules. With my XXXX child its already hard to get some free time to spend for these things. The creditor I am mentioning about is the following below : FNB OMAHA XXXX, NE-XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

Hollywood, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-11

Wascott, WI

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

Braden River, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-04

Loganville, GA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-02

Palos Park, IL

Payoff process

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-01

Dallas, TX

Shopping for a loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

Azwell, WA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-07-26

Jupiter, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I.am file this compliant base these three factor : ( 1 ) excellent credit Rating. ( 2. ) execptional. ( ( XXXX. ) exceptional. ( 3 ) trustworthiness, and qualify to obtain I could not believe this is the position that my bank was taking. and me as a value customer. I was denial asamll business credit. my nwife apply for this same card on or XXXX XXXX and apply again XXXX/XXXX/XXXX and was still declined a card. the factor was excessive credit reporting agency inquire. I belief its a rigged system against small XXXX XXXX business who want to build there company with bank. now apply for the card in my name and I only have XXXX inquire on my credit reporting agency. so it appear that I have good credit but still was I belief these or the fact : as follow : I belief and feel here is unfair, treatment to be denial any XXXX credit who is trustworthiness. and have excellent credit rating. let be clear here I have relationship with these bank and I all way pay my bill on time over the amoun of the above payment that schedule. never missed any payment to first national bank. some XXXX need to review my credit history its very strong.my XXXX said that credit usage 23 % and well qualify and trustworthiness. and that is the base for issues credit to custom er I have on XXXX inquire on my file and XXXX is FNB.they pull my credit back on XXXX/XXXX/XXXX and granting the card. now they are denial me credit. it clear something is wrong with this picture because on or XXXX Reference Letter # XXXX XXXX XXXX Thank you for apply for the commercial credit card. we are unable to offer you credit on the terms that you requited because that offer has expired. please contact the financial institution you received your application from to re-apply. the question. would be is why? XXXX XXXX XXXX business have to fight so hard just to get credit and then they to me is although we were unable to fulfill your request at this time we think you for aplply. we are trying to build new south lease company credit with this bank, Reasons why I belief we should be grant credit. XXXX XXXX XXXX no excessive credit report agency inquire. XXXX. XXXX excellent credit. ( XXXX ). XXXX scores ' XXXX XXXX XXXX Never missed any payment all waymy bill on time make payment above credit payment all way pay down balance and for this bank to denial me credit. I am ask the bank to approve my request thank you. is this all because of my age why? make me understand we pay our bill on time
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-24

Ft Wayne, IN

Other

Credit card:

Complaint: I am reporting First National Bank ( XXXX XXXX ) again for making harassing phone calls for credit card payment. I reported them a week or so ago and am still getting harassing phone calls from them. Please let them no that I do n't want any more calls on my phone. Thanks.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-23

Baton Rouge, LA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: 1ST NATIONAL BANK OF OMAHA XXXX XXXX XXXX XXXX, NE XXXX Re : Unauthorized Credit Inquiry Dear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing on XXXX XXXX, 2014. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. Thanking you in advance, XXXX XXXX XXXX, XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-20

Wonder Lake, IL

Late fee

Credit card:

Complaint: Credit card statement with due date of XXXX showed purchase made XXXX in the amount of {$33.00}. I returned some items XXXX XXXX and made a payment of the amount which was still due on XXXX XXXX The problem is that next month, First Bank charged me a late fee of {$25.00} and minimum interest charge of {$1.00} in spite of the fact that there was no past due obligation. When I called First Bank, I was told that the credit for my return did not actually remove my obligation for payment - that their computer system would not deduct returns from the current billing cycle. First Bank removed the " late '' fees when I called, but warned me that I was in danger of ruining my credit score unless I was " very '' careful. I resent that. I was told that I should have sent payment in full even though I had returned the item. I could not argue that this might be necessary if the return was made in another billing cycle, but it does n't make sense when the entire transaction takes place within the same billing cycle.. Once the store accepts the return and processes my credit, I should no longer have an obligation. I am making this compliant about First Bank because I feel that this policy is unfair to consumers, and sneaky. They hope to get use of money which has been credited back to me, and in addition, they try to impose fees which are patently ridiculous.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-19

Omaha, NE

Other

Credit card:

Complaint: I am starting to be harassed by phone for XXXX for my American Express credit card. I want this to terminate from happening. Thanks for looking in to this matter. I am sick and tired of this Bank harassing me for payment.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-15

Clarksville, TN

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

2016-07-13

Phila, PA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Williamston, MI

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-06

Hardin, TX

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-07-04

Cumberland, RI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-30

San Jose, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Cibolo, TX

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Rocky Ridge, MD

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-22

Palmyra, MI

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: A debt collector from ( XXXX ) XXXX called me at my work phone number and cell phone number. They says that they are collecting for Bank of Omaha. They never attempt to send me a notice because they do not have a mailing address for me. I asked them to contact who they are working for and get the mailing address they attempt to send mail to. The debt collector refused to contact the bank to get a mailing address. They threaten to leave voice messages on my phone.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

Geddes, NY

Balance transfer

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response