FIRST NATIONAL BANK OF OMAHA

2015-12-08

Kagel Canyon, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-08

Burke, SD

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-02

Lexington, NE

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-02

Weston, CT

Credit card protection / Debt protection

Credit card:

Complaint: I have had a XXXX credit card with First Bankcard ( ACCT # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) which was used by my small business, XXXX XXXX XXXX. An employee had access to this card and once they had left the company, I had called First Bankcard and asked them to suspend it to prevent unauthorized use or fraud. I was told that I could have another card reissued and provide access to the new employee once I the hiring process was complete. The problem is that First BankCard disqualified me from accessing the XXXX reward points I had painstakingly accrued over the past few years. According to them, all of their obligations regarding the reward points have been eliminated because of my attempt to prevent fraud.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-28

Brkn Arw, OK

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-25

Fort Wayne, IN

Convenience checks

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-25

NJ

Credit line increase/decrease

Credit card:

Complaint: Unfair business practices - These crooks drastically reduced my credit limit after I made a huge payment and without proper notification. Yesterday I made a {$5000.00} credit card payment to my First National credit card. I paid down 70 % of the balance from {$7100.00} to {$2100.00} so there should have been {$4800.00} avail today. I tried to use the credit card today to business invoice with part of the {$4800.00} that should have been available. After multiple failed attempts to pay the invoice online I called the credit card company to find out the problem. 1. They first told me they hold 80 % of the payment until it comes out of pending status. I told them that I need access to my available credit Today. 2. They had me do a conference call with my actual bank to verify the funds were good. 3. After the bank conference call, my credit card company tells me they reduced my credit limit. I did n't get any notification that they were reducing my limit. The bank says they made that decision yesterday. My response was " yesterday after you receive my payment. I told them could have sent me a letter the day after you did n't receive payment XXXX XXXX XXXX XXXX, ie the first day it was past due on your books but you deliberately waited until you got a large payment ''. ( My payment was 12 days past the due date but I 'm aware that credit card payments are not considered late until the next billing cycle comes and goes and no payment is made. ) 4. I also asked, " When was I going to receive a letter about the credit limit decrease. '' The person I spoke with said they were going to mail XXXX out today. 5. I asked " well what is my new limit '', these crooks said my new limit is the {$2100.00} that 's now available after my {$5000.00} payment. 6. When asked how do you come up with a decision to give me a 70 % reduction of my credit limit that was available just yesterday ... .. '' Well you make minimum payments and on the due date instead of before the due date ; you 've been late 4 times in 24 months, your at the peak credit limit and your XXXX credit report shows delinquents on your report. Nonsense, missing the due date does Not make you late on credit reports and your credit report story is a flat out lie ... ..Sure enough, after arguing with them, I pull my credit report and I have No late accounts and No Delinquent accounts. I have a copy of the credit report.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-24

KS

Account opening, closing, or management

Bank account or service: Savings account

Complaint: My husband died XXXX XXXX, 2015. We had a savings account that we deposited our monthly accruals into because it paid a higher interest rate. After XXXX died I took a certified copy of his death certificate and the account was promptly put in my name since I was his POD. On XXXX XXXX, 2015 I successfully transferred {$50000.00} into my checking account to pay for his funeral expenses and XXXX quarterly taxes. I have also received XXXX statements showing myself as owner of the account. On XXXX XXXX, 2015 I tried to transfer {$5000.00} out of that account to pay bills. I no longer receive my husbands military pay or social security. I was denied access so I called customer service. I was told that the problem was " due to my internet browser ''. I called my local branch representative and was told that they " could n't find the signature card and needed to determine ownership ''. Shortly after XXXX fell XXXX XXXX I visited the bank in person as we were each others power of attorney and verified all accounts and that I was in fact his POD. My husband had set up a trust for me naming First National Bank as trustees. My attorney and I fired them for several reasons. I feel like they are punishing me for relieving them of their trustee duties.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-15

Omaha, NE

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-12

Independence, MO

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-11-12

Echelon, NJ

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-10

TN

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I sent a letter to my bank, asking nicely for some forgiveness on late payments I had on a line of credit. I offered to sign up for automatic payments from another bank account on the line of credit in exchange for erasing the late payment marks on my credit score. I was contacted by XXXX ( ext. XXXX ) at First National Bank. He told me they would absolutely be willing to erase the late payments from my credit score in exchange for my signing up for automatic payments on the line of credit. He said that someone from the bank would contact me about erasing the late payments, and that he would send me the paperwork for signing up for automatic payments. The paperwork arrived, but I was never contacted by anyone at the bank about making good on their promise to erase the late payments. I filled out the paperwork and sent it back with another letter, outlining the terms that I was told about. I was still never contacted by anyone about erasing the late payments. The automatic payments have been going for several months now, but the late payments have not been erased from my credit score. I have called the bank several times to try and speak to someone, but I just get endlessly transferred around and told that they are not able to do anything to help me. XXXX, the original man I talked to, is nowhere to be found, and the extension he had is no longer connected. I am extremely upset about being lied to and would like to try and get this resolved, and have the company make good on the promises that their employee made to me. I have done my part of the agreement and signed up for automatic payments. Now it is time for the bank to make good on the promises their employee made to me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-08

NE

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: Please see complaint : XXXXThey responded today with : Dear XXXX : Thank you for contacting First National Bank. In order to fully assist you with your request, please contact us at XXXX. Sincerely, XXXX XXXX. Customer Care Senior Specialist. The only problem is ... ... .There is no XXXX XXXX at the XXXX.?? I spent 27 minutes on the phone with the company, today ( XXXX/XXXX/2015 ). Asking for XXXX XXXX ... ... she docent exist according to XXXX Customer Service people. No XXXX XXXX and the President of the Company goes by XXXX Different names??? Whats up with 1 st National Bank Omaha? ABA routing number : XXXX ... ..at least according to their website. But, who knows? Do they pay their FDIC premiums on time???????? Thank YouXXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-08

IL

Bankruptcy

Credit card:

Complaint: I filed for chapter XXXX bankruptcy and was confirmed in XXXX 2013 and first national bank of omaha was XXXX my creditors. they are reporting late payments and overdue balance in violation of the agreement. i believe this is in violation of the fair credit reporting act and an aggressive attempt to get me to pay a debt that is under bankruptcy protection. i have tried and failed to get any resolution from them and this is destroying my efforts to rebuild my credit and preventing me from doing an fha streamline on my home.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-03

Omaha, NE

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-02

Campton Hills, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-29

Bedford Heights, OH

Payoff process

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-27

Orion Twp, MI

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-15

Nyc, NY

Other fee

Credit card:

Complaint: First National Bank of Omaha has charged my credit card a {$25.00} Fee for a Dishonored check in the amount of {$20.00} payment that I made online using First National Bank online banking now allow me 2 inform you that the payment was not Returned by the Bank the payment could n't be process key word '' PROCESS '' I believe it could n't be " PROCESS '' is because unknown 2 me First Bank was in the process of overhauling their erratic website which I believe had something 2 do with my payment not being process keyword is process not Returned.This is not my first problem with First Bank back in XXXX 2014 they allowed {$400.00} in credit card fraud be applied 2 my account.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-09

WV

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: On XXXX/XXXX/2015 XXXX XXXX Sales and Rentals of XXXX XXXX XXXX XXXX WV XXXX started processing a new merchant account / credit cards through " XXXX product of First National Bank of Omaha address XXXX XXXX XXXX XXXX XXXX Member FDIC XXXX. XXXX XXXX number XXXX with a Point of contact of XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX XXXX XXXX. 1. First problem no written/signed copies of your signed agreement with the Bank and us, none was provided back to us. 2. The Bank rates differ greatly from the in writing promised rates. 3. Fees different as promised. On XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I wrote the following email " Dear XXXX, I just got my bank statement and XXXX XXXX is {$800.00} more than what you quoted us. You Promised we would save {$200.00} on our fees so, that makes us {$1000.00} in the red. Please contact me as soon as possible. '' Reply on XXXX XXXX XXXX the following- " XXXX XXXX ', checking the situation out. What ever, their will be a credit on next months bill to straighten things out. Frankly, I believe it was the XXXX " SALES SUPPORT '' teams fault. I had a bad feeling about the situation when I sent the deal in. The " Sales Support '' team member did n't fully understand that we had done a price comparison program with you all and he entered the rates as if it were a new account accepting credit cards without the card holder being present. That rate is higher, but we had worked out a comparison program based on your previous statements. In my talking to XXXX regarding this it seems that the Sales Support Team Member I got who 's job it is, is to see that applications are filled pout properly took it upon himself, without consultation with me, to enter the rates as if XXXX XXXX was a new merchant with no processing experience. So he, the Sales Support Team member entered our highest rate. I was told the Sales Support Team Member was a relatively new employee and not totally familiar with systems. I am getting it straightened out and will have credits issues for this most recent months statements and last months partial statement.I 'll call you when I have more definite word. I deeply apologize for the mistake and inconvenience. XXXX XXXX " XXXX '' XXXX XXXX " XXXX was to be 2.25 % now 4 %. Has been no further contact from anyone at XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-06

Smyrna, GA

Cash advance fee

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-10-06

Billerica, MA

Other

Credit card:

Complaint: This complaint is in regards to my First Bankcard Account through Omaha Bank. I make automatic monthly payments through my bank electronically. XXXX XXXX I was notified that my account was closed by the grantor for late payments and being over my balance. I made payments every month, however due to the company 's billing cycle dates they recieved one paymetn 2 days early making it look like I made2 payments in one month and none the next. I was assessed late payment charges and interest which brought my balance over my limit. I called the bank and called to their attention the fact that I made payments every month with one month being 2 days early and requested them to have the account reinstated since I HAD NO LATE PAYMENTS. I got no satisfaction. This has damaged my credit rating because it is reporting a late payment and that the grantor closed the account making it drop XXXX points. I requested that my account be reinstated and the reporting to the credit agency to be corrected which the bank is refusing to do.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-01

Charlottesville, VA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-28

Lexington, NE

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-28

CT

Unsolicited issuance of credit card

Credit card:

Complaint: Pulled credit report without permission.
Company Response: Closed with explanation

Disputed: No Timely Response