FIRST NATIONAL BANK OF OMAHA

2015-09-25

Culver Cty, CA

Applied for loan/did not receive money

Payday loan:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-15

Brandy Station, VA

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: I submitted loan application data online for a debt consolidation loan, a " XXXX '', then received a call over the telephone from First National Bank Omaha, ( " FNNII '' ), XXXX. Subsequently, FNNI requested proof of identity, my active XXXX Drivers License and proof of address, a current year Utility Bill or a current year Bank Statement. All of my Utility Bills and my Bank Statements are set up to go to my PO Box listed on my XXXX Drivers License. I submitted my active XXXX Drivers License and my active XXXX Voter Registration Card which shows my name and my current physical home address. FNNI says they do not usually accept XXXX XXXX XXXX to comply with the " US Patriot Act '' rules. FNNI says that they can not process the loan without a Utility Bill or a Bank Statement! FNNI says that they are declining the loan because they can not confirm my identity or my physical home address.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-11

Garrett Park, MD

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-10

El Paso, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-10

New Berlin, WI

Making/receiving payments, sending money

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-10

East Troy, WI

Fraud or scam

Money transfers: Domestic (US) money transfer

Complaint: I was sent {$25000.00} by a company that I assumed owed money to a woman I had been talking to. I then sent her a majority of that money and shortly there after the money was requested to be returned. The company was XXXX XXXX XXXX out of Nebraska and they use the First National Bank of Omaha. They now have all of my accounts at XXXX bank frozen.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-09

Carlsbad, CA

Overlimit fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-08

RI

Credit card protection / Debt protection

Credit card:

Complaint: My credit card was used with out my knowledge or authorization by my XXXX year old son. I had previously bought online gaming for him. And I did not realize the credit card information was stored on the computer. My son did n't understand he was using my credit card. There are multiple and duplicate transactions that if you were to look at my statement anyone could realize something was n't right. According to my credit card contract I have zero liability for transactions made with outmy authorization. However I was told in writing that I am responsible and its not considered " fraud ''. I never said it was fraud, its " unauthorized transactions '' I believe this wording of theirs is what is protecting them and not me as in my contract with them. Please advise, XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

Palo Alto, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-03

San Jose, CA

Credit card protection / Debt protection

Credit card:

Complaint: On XX/XX/XXXX, a process server dumped a summons that had my name on it to my wife while I was not on premise. Regarding a credit card I held once with a banking association called FIRST NATIONAL BANK OF OMAHA. I do remember I did have a conversation with that institution once, informing them of my unemployment status, but not aware of the balance nor did I have any information in the form of statements to what that balance was. That particular credit card was destroyed, by myself, two years ago in XX/XX/XXXX. Now I am being sued, by a law firm called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Tel : ( XXXX ) XXXX. I have never heard of this firm, this the first time I 'm seeing anything related to a credit card account that is in arrears, and given 30 days to respond in the Superior Court of California, XXXX XXXX County, where the financial institution, First National Bank of Ohama, has never sent me any email, phone call or mail that to let me know of an outstanding debt. I have not even been given an opportunity to verify whether the debt is mine or not ( my identity was comprosed three years ago when my XXXX credit card was stolen and used- which is why I destroyed the credit cards and issued a statement, in writing, to all of the credit card companies that someone had my account information ). This law firm, XXXX, as far as I can determine, was required to at least send me a letter letting me know they had been retained to settle a debt on behalf of the finanical institution. If they had, I would have worked with them. Instead, I 'm getting hit with a lawsuit, without any warning, or being informed prior, that there is a debt out there with my name on it. And with any credit card, according to the Fair Debt Collection Protections Act of XX/XX/XXXX FDCPA, I was supposed to be informed and given ( x ) amount of time to contact to find out if the debt in question is mine. I was not given this. Instead, no communication from the financial institution, no communication from the " debt collection '' law firm it apparently was handed to. What I know is I have a right to review the debt, with all relevant information pertaining to it, PRIOR to having a lawsuit filed. This financial institution and this debt collection law firm violated my rights to review the debt to determine whether it was mine and respond in a timely manner. Instead, my wife gets hit with a summons of a debt that is addressed to me, and me solely, when I was not there, without any form of prior attempts of communication by the firm or the financial company. Which is a violation of the FDCPA and my rights as a consumer, over a debt I do n't even know if it 's mine. Thank you for your time.
Company Response: Closed with explanation

Disputed: No Untimely Response

2015-09-02

Burlington, IA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-01

Fort Bragg, NC

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-01

Jamaica, NY

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-31

Campton Hills, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-24

NE

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I went to the First National Bank XXXX XXXX XXXX to see if I could qualify for a mortgage. I had a short sale roughly 4 years ago in the spring of 2011 and the bank was aware of this the first day. Because I had relocated for my job I was forced to give power of attorney to my father to complete the short sale. By neglecting to tell me it is 4 years from the settlement date of a short sale before they can give any kind of mortgage, they moved forward by approving me for a loan of up to {$130000.00}. At that point I put {$500.00} earnest money down on a house. Then I liquidated my XXXX to the tune of {$25000.00}. I was also charged an appraisal fee of {$450.00}. After about a month the bank contacted and told me that they were denying me financing because my short sale had not reached a full four years. The bank was fully aware of this short sale and its settlement date from the very first day I went in and they neglected to be thorough in doing a financial background check. Due to the incompetence of the employee I am now responsible for fees and penalties of up to and over {$3000.00} and have nothing to show for it. First National should have denied me financing the very first day I walked in the door instead of telling me I was getting a loan. I then contacted the employee I was dealing with and was spoken to very disrespectfully when all I wanted was an answer as to why they were so irresponsible with there loan process. My goal in filing this complaint is to be refunded the potential fees of over {$3000.00} and if possible to refund me the {$25000.00} I withdrew from my XXXX. Keep in mind this was the very first time I set foot in this bank and this is how they treat potential customers. Please note the date on the attached conditional loan approval letter and the date on the attached good faith estimate paperwork are over a month apart. There was more than enough time for them to find any information about my short sale and inform me of what to do.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-22

Farmville, VA

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Clarkesville, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-14

Doylestown, PA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-14

Hoard, TX

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Baltimore, MD

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-06

TN

Billing disputes

Credit card:

Complaint: My complaint is about a dispute improperly handled by the credit card company. My credit card ( XXXX card ) was originally issued through XXXX. In XXXX 2015 I disputed a charge of {$100.00} for a XXXX night stay at XXXX XXXX TX, because the services provided were not as advertised or as expected. ( Very briefly : We did not get an accessible room as requested, and my XXXX husband XXXX. There were various other problems as well, none of which were corrected. ) I provided plenty of evidence supporting my claim. The bank issued a conditional credit while investigating. After about XXXX weeks I received a letter from the bank stating the charge was placed back on my account because I stayed in the hotel, i.e. received the service. I disagree with this decision because : -I never denied that I stayed in the hotel. My reason for dispute has consistently been that the services were substandard, not as advertised or expected, and the management made no effort to correct the problems despite repeated requests. -The bank was fully aware that I stayed at the hotel when they first placed the charge in dispute. If there 's no recourse they would not have initiated the dispute in the first place. -XXXX offers protection to customers for services that are substandard or unsatisfactory, as do other credit cards. " Services rendered were not as expected or advertised '' is XXXX of the specific reasons provided by credit cards for disputing a transaction. I provided ample evidence to support my dispute under this option. When I called to appeal their decision, I was told that the credit card has been transferred to a new bank, and I should contact them. I contacted the new bank, First National Bank of Omaha, and submitted my rebuttal to them. The representative said she would talk to a supervisor and see what she could do, but so far I have heard nothing and the charge remains on my account. My email to her attached. I then emailed XXXX XXXX XXXX, Executive Vice President of Consumer Banking in First National Bank of Omaha. Again heard nothing. My email to him attached, with supporting documentation about the dispute. It appears that neither credit card company protected my consumer rights provided through XXXX or Fair Credit Billing Act. I am requesting your help to get this dispute processed correctly and issue the refund. Thank you.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-08-05

Chatsworth, CA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-03

Plattekill, NY

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-26

Hinsdale, IL

APR or interest rate

Credit card:

Complaint: I used my credit card with a PIN not knowing it was a credit card transaction. I was charged hundreds of dollars in cash advance fees. I cancelled the card and paid it off prior to the due date and they charged me another 30 days worth of interest on the entire balance. The first time I called to rectify it the man I spoke with insisted it was correct and it was being charged at a periodic daily rate. I then calculated the interest on my own to prove they charged me for another 30 days. I then called back and the represenative told me she was going to waive it. I am reporting this so that other consumers are not abused by their interest calculation methods. XXXX and First Bankcard.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-07-26

Hazleton, IN

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response