FIRST NATIONAL BANK OF OMAHA

2016-02-02

Queens, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-29

Chicago, IL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-29

Jupiter, FL

Other

Credit card:

Complaint: on or about XXXX XXXX 2015 my husband and I apply for a business commercial for the company in the name XXXX and this bank know that my husband already have an account with the bank. and that we have good credit on all of our account. .. the branch manage of the bank said went you and your husband apply for the commercial account. please contact bank and explain to card service about the inquiries that being use for personal and business account and in your house hold. that why we have so many inquires. I do not belief that some one who is already a good and loyally customer at the bank would be get denial just because of a score and a number and not look at the fact these is our loyally customer. is it because of our age. it can not be because our good credit. because you will not can not find any information to warrant a denial in my credit file. my fico is a XXXX, we want to stop use my credit for business. and build the business credit line. I think its unfair to being denial base on a score with out look at my husband account that already with this bank. if we are not approve. we can not get the tax credit at the end of the year. that why we apply for a business commercial account. so we could get the tax credit to writer off company expense and stop use personal credit for the business..
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-28

Ernul, NC

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-26

Sacramento, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-25

Lincoln, NE

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-25

Maiden Rock, WI

Credit line increase/decrease

Credit card:

Complaint: On XXXX XXXX 2016 I made a significant payment to my XXXX XXXX First BankCard XXXX credit card in preparation for our family vacation in the XXXX Keys. I wanted to have security when traveling ensuring a great trip and no financial worries. I had called to notify the credit card company on the XXXX that I would be traveling starting the XXXX and made a {$3000.00} payment to the card. The money was directly taken from my checking account and available the next day. I had never made a late payment on this credit card or any other debt I owe. My credit limit was set at {$4500.00} and had been since I received the card a year ago. During the trip, I used the card for everything, then XXXX night we were eating dinner and I went to pay for it. The woman said the card was declined! I told her that was impossible and to run the card again. She said it was still declined so I had to pay with the little cash that I did being with me. When I arrived back at the hotel I went into my credit card account to see what was going on. To my HORROR, it indicated that my credit limit had been changed from {$4500.00} to {$2600.00} leaving me with NO money! I called customer service and talked with a rep then her supervisor ... .they said that they can drop the limits at any time, and that they sent me a letter that day! They did not care that my family and I were STRANDED and had NO MONEY! To say there are no words to describe how enraged I was is an understatement. I can see making an adjustment if need be but when I was on vacation and it was documented in their system that I was on vacation and would be using this card ... .that is totally wrong on all levels of human decency!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-25

Kyana, IN

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-24

Saint Paul, MN

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: in XXXX of 2015 I received a phone saying I was behind in my XXXX air credit card payments. this was very shocking to me since I have been on auto pay for years and have never had a problem. the representative said they were from first bankcard of Omaha. I was also told that they bought my account from XXXX bank. through conversation I found out that when they made the purchase they did NOT transfer any of the auto pay data and that I was 3 months behind and had to make a {$2200.00} payment immediately. of course I freaked out!!! I was never informed of any of this. I do n't read the bill, that 's why I 'm on auto pay. I paid the bill, and worked with the service person on restoring my auto pay feature sto avoid this in the future. XXXX 2015 this repeated again with a threat to sue me for the money that I thought was being paid. I told them about the XXXX problem, they said nothing was done. I complained that they were acting irresponsibly and this was a trick of some type and told them I would have my attorney contact them. They would n't even talk to them. now they hired attorneys to sue me for a problem they created by being incompetent. I 'm not arguing about the money owed. I 'm complaining about the lack of responsibility of there actions that are now causing me damage for no real reason, other that poor banking practices. thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-21

Kyana, IN

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-16

Bronxville, NY

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Lexington, SC

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-15

Eden Prairie, MN

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-12

Baltimore, MD

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Denver, CO

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: First National Bank Omaha - horrible customer service. Of course - they are the BANK so they are always right. I am only the customer confused by the inundation of unwanted offers and e-mails from the BANK. So decided to try an offer - a balance transfer from XXXX XXXX. I wanted to transfer {$200.00} using their " no transfer fee '' offer. Apparently I used the wrong check and was charged {$10.00} on a {$200.00} transfer. Usurous. That is an instant 5 % penalty. They were VERY unsympathetic. They got my {$10.00} for that tiny transfer! High fives!!! When I contacted the BANK and told them I intended to use a different offer, they were VERY unsympathetic and just told me they could n't do anything. We all know they could - so not only are they customer unfriendly but they are liars. They got my {$10.00} and to XXXX with what I wanted. They also misclassified the transfer as dept store/ retail - not a balance transfer from another card. But they are the BANK and always right. Note the unsympathetic response. Here is the classification they claim is correct : XX/XX/XXXX XX/XX/XXXX BALANCE TRANSFER - FNBO Retail/Department Stores {$200.00} XX/XX/XXXX XX/XX/XXXX BAL TRAN FEE - XXXX Retail/Department Stores {$10.00} This was a transfer from XXXX XXXX business cards so we can clearly see that the BANK did everything correctly. The classification of the transfer is my fault. Somehow. How do my balances increase when I have n't made any charges - I 'll include on example, there are others. Charge Summary XXXX 2015 Purchases 13.99 % ( v ) {$670.00} XXXX {$7.00} XX/XX/XXXX PR Special 9.99 % ( v ) {$620.00} XXXX {$5.00} XX/XX/XXXX BT Special 5.99 % ( f ) {$490.00} XXXX {$2.00} Charge Summary XXXX 2015 Purchases 13.99 % ( v ) {$670.00} XXXX {$7.00} XX/XX/XXXX PR Special 9.99 % ( v ) {$620.00} XXXX {$5.00} XX/XX/XXXX BT Special 5.99 % ( f ) {$550.00} XXXX {$2.00} How did the balance increase from {$620.00} to {$620.00} when I had made NO charges. This BANK is horrible. XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-05

Beach Center, CA

Making/receiving payments, sending money

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-05

TX

Billing disputes

Credit card:

Complaint: I rented a car over the internet. I agreed to pay {$130.00} to rent the car over a four ( 4 ) day period. I never saw the contract. I picked up the car in XXXX, Ga, and used it for the four days. I paid for the rental with an American Express credit card, issued by the XXXX XXXX XXXX XXXX XXXX. Open returning the car, I signed a receipt acknowledging the return of the car. After signing the receipt, I was informed, for the first time, that the card had to be returned by XXXX. Because it was after lunch and I had already signed the receipt, I took no immediate action. I feel that I was " baited and switched '' into paying additional fee that I was not informed of prior to signing an acknowledgement. I contacted the card issuer ( XXXX, XXXX ) and disputed the {$30.00} additional charge. On XXXX/XXXX/15 I was informed by the credit card issuer that because I had unwittingly signed an acknowledgement that they would " not have the authority to continue to persue the credit from the merchant on your behalf. '' Because of the small amount and fraudulent bill, XXXX, XXXX, has just " rolled over '' for the merchant. And I 'm out {$30.00} on a " bait and switch '' scheme.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Fullerton, CA

Billing disputes

Credit card:

Complaint: I attempted to file a graduation application during " no fee '' period but XXXX computer system did not work, would not allow me to file. XXXX charged me {$50.00} for graduation fee, but then acknowledged in writing that I was not at fault because their computer system did n't work. Merchant now refuses refund. I disputed charge with card issuer First Bankcard, submitting copy of XXXX fee schedule showing no fee due and the email acknowledging I was not at fault. The credit card person apparently either did n't read my letter or did n't understand simple XXXX, and arbitrarily disallowed my dispute.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-18

Corvallis, MT

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-14

Wichita, KS

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-11

Newman Grove, NE

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Allen Jay, NC

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

2015-12-10

Aurora, CO

Overlimit fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Middletown, DE

Privacy

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Blm, IL

Balance transfer

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response