FIRST NATIONAL BANK OF OMAHA

2016-06-17

Effingham, KS

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Complaint: On XXXX/XXXX/2016, I called First National 's automated system to check my available credit. It stated it was about {$330.00}. My statement also confirms this, Specifically, it states {$350.00} is available. Therefore, I paid {$300.00} on a credit card that I used to pay for an air conditioning repair. On XXXX/XXXX/2016, I received a letter in the mail from First National stating the check was returned for {$300.00} ; Moreover, they charged a {$33.00} NSF fee. When I called their automated system, it stated the balance is now {$8700.00}. So there is money that is unaccounted for on the account that has recently come through that they never informed me about through the mail or through their online system. Moreover, the {$300.00} paid to the credit card company is the only recent transaction completed by me on this account since about XX/XX/XXXX. They never should have returned this check and they should given the correct balance when I called.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-16

Hardin, 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: No Timely Response

2016-06-16

Cleveland, OH

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-14

Clermont, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-14

Manhattan, NY

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-14

Beechhurst, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-10

Alexandria, VA

Credit card protection / Debt protection

Credit card:

Complaint: There was a non authorized transaction on my credit card ( that had a XXXX balance ). The company, First National Bank of Omaha, allowed for the transaction to take place. While I disputed the charge, the company proceeded to charge me " late fees '' in excess of {$100.00}. I now have a negative outstanding item on my credit report with XXXX. I ask that this be corrected immediately. My consumer rights were violated by multiple institutions and I ask for CFPB 's assistance in making me whole. I ask that the item at XXXX be removed from my credit report immediately.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-09

E Brunswick, NJ

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-07

MA

APR or interest rate

Credit card:

Complaint: I transferred $ XXXX, they charged me a 4 % transfer fee they have a fixed apr of XXXX per year, but they charge you a 3 % on your remaining balance every month. This is not a deal!!!! I thought I was just getting 5.99 % per year, NOT in addition they charge 3 % on $ XXXX or less each month that you have this card. FirstBank Credit Card
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-25

Birmingham, AL

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-18

Foothill Ranch, CA

Balance transfer

Credit card:

Complaint: I was notified by my credit card company ( firstbankcard ) of fraud on my card. They immediately cancelled the card and notified me that a new card would be issued and that my old card balances would be transferred onto my new account. In addition, I would not be able to access my online account until the new card and balances were transferred. When I got the new card and viewed the online statement I was charged late fees and interest for an overdue payment on the old account/card which I had no way to access or know about. When I contacted the credit card company the fraud investigator ( XXXX ) from firstbank card was hostile and told me I just should have known it was owed or called them. I told her I could n't even access my online account during the time period in question because they closed it out and I do n't even have any detail on the balance due that I supposedly should have paid.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-12

Ponte Vedra, FL

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-11

Bozeman, MT

Advertising and marketing

Credit card:

Complaint: In XXXX of XXXX I received a solicitation from XXXX XXXX Bank XXXX XXXX with an offer, " 0.00 % APR on all Purchases and Balance Transfers good until XXXX XXXX ''. I have received several similar offers since then, with the words inserted after balance transfers, " when you use these checks ''. Had that wording been on the offer I received, I would have behaved very differently. As it was, since I had a zero balance at the time, I preceded to make purchases with my credit card, " all purchases '', and to pay the minimum balance due. I have participated in many 0 % on purchases offers previously and since this one. I have always paid off the balance before a higher rate of interest started. While I had been paying attention to not go over my credit limit, it was not until XXXX that I noticed a large amount of interest was being added. When I called the bank, I was told that they did n't mean " all purchases '' ; just the ones made with the XXXX checks enclosed. Since no one I talked to at the bank offered any recourse, I immediately paid off the balance on my account, which included over {$800.00} in interest. Even if I had written a check for the entire amount of my credit line. The fee that I would have paid would have only been about {$340.00}. They must have realized that their wording was deceptive to have changed it so quickly after their 1st offer, but so far they have refused to acknowledge this to me or to the XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-21

Flower Mound, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-20

North Tunbridge, VT

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

2016-04-18

Falmouth Foreside, ME

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-17

Hiram, GA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-12

OK

Other

Credit card:

Complaint: To Whom it May Concern, I would like to file a complaint, because I noticed a discrepancy in my credit report. I noticed that there 's a credit card on there with a balance of {$840.00} with FNB of XXXX. Please help me resolve this problem as soon as possible. Thank You!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-12

Garrett Park, MD

Balance transfer

Credit card:

Complaint: I have a credit card with FNB Omaha, I 'm unable use a service with the card because I 'm using the card. Makes no sense to me. I have n't been late on any payments, I made a cash advance and XXXX transfer. Since that time my account has still been paid on but I 'm being told I ca n't do another balance transfer because I 've used the card more than they think I should have. I 've had the card for nine months. Got XXXX credit limit increases. I would like to be able to use my offer to transfer a balance. I have XXXX pending offers to do so.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-09

Jurupa Valley, CA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-04-05

Bronxville, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-02

Tacoma, WA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: I got a voicemail from a debt collector saying I needed to return the call because they were trying to serve me with papers for a lawsuit but were unable to find me so I had to call and update my address. When I called they said it was about a lawsuit ( court date was supposed to happen within 10 days from the call I received, on XXXX XXXX ). They offered me to settle for more than 60 % less than what I I supposedly owed. I knew I had a debt with said original creditor but did not remember the exact amount which appeared to be way off. I gave them my email address and asked them to send me details about my account as I did not remember the exact amount. After hanginf up with them I went online and ordered my credit report. As I suspected, the amount did not match what the debt collector said ( The original debt on my credit report states {$4.00}, the debt collector said it was {$3.00} and offered me to settle for {$1.00} ) Also, the collection agency which holds my debt as it is on my credit report is XXXX XXXX XXXX not XXXX XXXX which is the one who contacted me. Different name, different number, different address. I also did a search online on the Stete of Washington Courts and called the court in my city as well to find out if I had really been taken to court. No records were found under my name whatsoever. So I called the agency who contacted me and told XXXX XXXX XXXX that I needed proof that they really owed my account and were legitimate as I could not confirm any of the information they gave me as correct. He then proceeded to threaten me saying my wages were going to be garnished and before he hung up on me he said " We will see you on court on XX/XX/XXXX ''. I have the copy of the validation letter they sent me along with the proposed settlement. Not sure how to proceed as the information does not match and also think it was not professional and very suspectful that he became upset and simply hung up on me after being confronted and requested further information. Also, came to learn later on that a guy named XXXX XXXX who had contacted me before at work, had also contacted a family member revealing private information about the referred debt and also leaving a message saying if I did not call them back, they were going to garnish my wages.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-31

Robertsdale, AL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-30

CA

Closing/Cancelling account

Credit card:

Complaint: My credit card experienced unauthorized charges. The credit card company, First National Bank of Omaha, did reverse all the charges, however after concluding their investigation and that I was not responsible they closed my credit card account. I request respectfully that they reconsider and re-open my credit card. The fraudulent activity in this matter appears to trace to an address in a crime stricken area of XXXX XXXX where I do not live and have never lived, about XXXX miles away from me, and a proper investigation by XXXX has proven that I have nothing to do with that address as well. Why is it that insult has been added to injury and my credit card closed when I have done nothing wrong?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-28

Brown Springs, AR

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response