FIRST NATIONAL BANK OF OMAHA

2015-07-22

Capitol Heights, IA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-21

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-20

Foothill Ranch, CA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: There is a company named XXXX XXXX XXXX that continues to call me and threaten me with a law suit. They will not provide a validation notice and have made threats of lawsuits, coming to my place of employment to serve me, and stating that they will find me through my family. They have personal information about me such as my social and address and it concerns me. They offer a settlement over the phone and say I need to pay them through credit card immediately. This feels fraudulent and I am concerned they may be trying to commit identity fraud or collect debt that is not real.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-19

Cornelius, OR

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-14

Houston, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-09

Kawaihae, HI

Billing disputes

Credit card:

Complaint: XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, HI. XXXX, XXXX XXXX Re : My A/C # XXXXDear Sir, I am sorry for not responding earlier to your XXXX fictitious credit card bill charges of XX/XX/XXXX and XXXX 2015 as I was medically incapacitated. I had XXXX XXXX in XX/XX/XXXX and was XXXX for a week in XXXX for XXXX. The XX/XX/XXXX statement shows a {$12.00} charge for an XXXX XXXX. The XX/XX/XXXX statement shows the very same charge again of {$12.00} for XXXX XXXX. Added to that is an interest charge of {$1.00} for a total due balance of {$27.00}. I did not incur these XXXX debts and have never purchased anything for {$12.00}. This is the handy work of the criminal enterprise known as XXXX. As its credit card company, you are also now its accomplice. The only XXXX items that I purchased at separate times recently were XXXX generic stereo earphones. XXXX was on sale for {$6.00} and the other was on sale for {$4.00}. I paid for these XXXX items with my accumulated " XXXX Super points ''. I currently have have a total of XXXX or {$24.00} left. Now, please tell me why I would chose to pay for these XXXX items via my credit card when I have the Super points to use? Which idiot would do that? But XXXX has devised a way to double dip for the same purchased item : Once via the Super points at the sale price and once again via the credit card at its full undiscounted price which I presume was {$12.00}. Please allow me to tell you how they get to XXXX from their customers twice : once from deducting the purchase price from your Super Points and again by sending a bill to the credit card company for the full undiscounted price for the same item. XXXX has devised a very clever way to achieve that : When you purchase an item intended to be paid with the Super Points, the " Payment Option Page '' prior to check out does not include the option to pay with your Super Points as a payment option. Imagine that. But in order to proceed to checkout, you must give them a credit card number, including the " secret number '' on the back of the card. When I emailed XXXX asking them why do you need my credit card number since I intend to use my Super points, they answered that it 's for security reasons. What security is that? They know exactly how many Super Points I have and whether I can pay for the merchandise via this method. Only at the very last page of the " check out " process, there is a small window at the very bottom to indicate payment with Super Points. They then deduct the discounted purchase price from your Super points and simultaneously send a bill to XXXX card company for the full " undiscounted price '' of the item. This is the most blatant type of fraud and thievery. I am requesting, in closing, that you reverse the charges totaling {$27.00} and send me a statement reflecting a zero balance due. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

Bakerville, WI

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

Anthony, IN

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-08

Altamonte Spg, FL

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-02

Lenexa, KS

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-01

Oxford, GA

Balance transfer

Credit card:

Complaint: In XXXX of 2015 I did a balance transfer from XXXX of my credit cards with a higher interest rate to my First National Bank of Omaha card. The rate on the original balance was at 12.99 % and the rate being offered by FNB was 5.99 % guaranteed for the life of the balance and with no fees involved. The amount of the transfer was {$7400.00} and was posted to the FNB account on XXXX/XXXX/15. The monthly payment on this amount on the original credit card was {$140.00}. The monthly payment on the FNB card before the transfer was {$170.00}, which resulted in a total per month of {$310.00} for both cards. Now the payment on the FNB card has increased to {$410.00} per month, {$98.00} per month more than I was paying before the transfer occurred. My question to FNB was how can my payment increase {$98.00} per month when the interest rate on the {$7400.00} amount went from 12.99 % to 5.99 %? Also, in the '' minimum payment warning '' of their statement it was explained that if I were to only make the minimum payment of {$410.00} every month it would take XXXX years to pay off the balance BUT if I were to make payments of $ XXXX it would be paid off in XXXX years saving me over {$1000.00}. FNB insisted that my minimum payment was indeed $ XXXX. When I suggested that I make the $ XXXX payment that was shown for early payoff I was told I would be charged a late fee every month. When I asked the customer service supervisor to explain the " fuzzy math '' to me, his answer was " That 's just how it works. '' So, by attempting to save money every month by lowering my interest rate by a full 7 % I am now spending {$98.00} more each month instead. I wonder how many other unsuspecting consumers have been mislead by FNB into transferring their higher percentage balances to this company and thinking they would also reduce their monthly payment by taking advantage of the lower rate.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Pflugerville, TX

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

CO

Taking/threatening an illegal action

Debt collection: I do not know

Sued w/o proper notification of suit
Complaint: I received a phone call from an unknown number on XX/XX/XXXX saying that I was being served of a court order due to unpaid debt from XXXX in XX/XX/XXXX and that I need to call the number ASAP ( XXXX ) XXXX, however, I have never heard of this before or recevied any letter. They told me I need to pay the debt ASAP or I am being served to go to court. However, when I looked at court orders in XXXX or XXXX, I did not find a record. I call the next day to look into what I can do as a consumer, I asked for contact information and professional license number. They provided me with the contact information but not the professional license number as they said they will not provide this. Additionally, I asked if I can get a written description of what I owe, e.g., agreement of credit, information of the credit and what I owe and they said I will never get XXXX as they have bought the debt from another company. The company name is XXXX XXXX XXXXXXXX Contact Information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. Phone number : XXXX XXXX XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Groton, MA

Sale of account

Credit card:

Complaint: For years, I have had a XXXX Rewards Program credit card through XXXX. Many months ago I received notification that the rewards program is being discontinued and that another bank - First National Bank of Omaha - will be issuing a new credit card. I recently received a letter stating that my XXXX XXXX Card will be invalid as of XX/XX/XXXX and that reward points will remain until XX/XX/XXXX. Here 's my complaint and problem : I plan to use the reward before XX/XX/XXXX, but I do not want another credit card issued ; i do n't need an additional credit card. The Are Lingus Rewards card was requested specifically for the rewards. So, I contacted First National Bank of Omaha and told them what was mentioned above. They were n't sure if i would lose points if the transfer was n't accepted. I then contacted XXXX. They informed me that if i cancelled the XXXX XXXX card, my points would be lost, but if i rejected the First National Omaha card, the points would still carry over. I then called First National Bank of Omaha again saying i do not wan t their card issued. They told me XXXX ( XXXX XXXX ) has to deal with it. If I cancel the XXXX XXXX card lose all my accumulated points. Am I forced to accept a card i do n't want issued, one I did not apply for? Like many people i have multitude credit cards ; I do not need or want another one. Please let me know what i should do. Over the years I have cancelled store cards and credit cards, yet they still are listed on my credit reports. I DO NOT want another card issued. Thank you.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-20

El Paso, TX

Late fee

Credit card:

Complaint: First National Bank of Omaha XXXX card does not waive more than XXXX late fee for the life of the card. I paid my XXXX card online at XXXX., XXXX XXXX, the day the card payment was due. However, this card like many has early deadlines. This payment was due at XXXX., CDT, XXXX., my time, MDT. I had XXXX late fee waived on this card more than a year ago. I asked to have {$10.00} late fee waived when I called card on XXXX XXXX. I talked to customer service rep., and XXXX supervisors. They would not waive the fee. I closed this card some time ago, so I can not close it. I am trying to pay it off. Now, bank added {$10.00} fee it will not remove. Yes, I know it is likely in my card agreement, as I was told. But most credit card issuers will waive at least XXXX late fee a year. This {$10.00} fee should be waived in this case routinely. I overlooked paying the card until the night it was due. The bank is getting a fee for nothing. It got the payment six hours after its early deadline. I want to know what other federal agency I should file a complaint. This is not a just late fee. It is getting money only to make it more difficult for me to pay off the card.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-18

Omaha, NE

Settlement process and costs

Mortgage: VA mortgage

Complaint: As a new home buyer trying to purchase a XXXX ( Seller ) through First National Bank of Omaha ( Lender ). Neither Seller/Lender communicated clearly what need to be done to locking in a interest rate. In addition, It appeared that Lender intentionally delayed the loan approval process to go beyond the XXXX day lock in period. I had just recently been approved by the Lender for a mortgage that fell through because of the appraisal, but they continued to come up with reasons for delaying the new loan request. Also, between loans they where inconsistent on how to lock in the interest rate. The XXXX loan was through a form, the new loan with Seller needed to be locked in via email. Now due to my contract with Seller, I have no options to protect myself from this Lender and have to continue the process no matter what the Lender decides to do, even at closing. Of course, I 'm sure the Lender was completely aware of this when I tried to dispute my case with upper management for a reasonable resolution.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-17

Sarasota, FL

Application processing delay

Credit card:

Complaint: On XXXX occasions XX/XX/XXXX and XX/XX/XXXX First Bankcard, XXXX. XXXX XXXX, XXXX XXXX XXXX charged my account a late fee plus interest and then revolving account interest the following month for payments that were sent via on-line banking and received by First Bankcard on or before the due dates above. I always pay 100 % of the balance due each month. In the first instance for the payment due XX/XX/XXXX, First Bankcard credited my account for the late fee and interest when I provided evidence that the payment was deducted from my on-line checking account on the due date, but not posted to their system until the following business day but they have not credited the interest charged the following month ( statement dated XX/XX/XXXX ) of {$38.00}. More recently, the same set of events occurred on XX/XX/XXXX and involves a {$26.00} late fee, {$71.00} interest in their statement dated XX/XX/XXXX and an additional {$62.00} in interest on their XXXX statement. First Bankcard Customer Service XXXX refused to credit the XXXX fees and interest because they had already done this for me once - without regard to the fact that they obviously have a cash posting problem since this has occurred twice in the last XXXX months. I have written XXXX XXXX complaint letters on XX/XX/XXXX and on XX/XX/XXXX outlining in detail the circumstances mentioned above and have not received any response. I communicated ( message reference number XXXX ) with First Bankcard Customer Service on XX/XX/XXXX to find out if they had received my letters. The response was that there were no notes on my account as to the letters or who may have them or if any action was being taken to correct the billing on my account. I have discontinued using the First Bankcard XXXX card and have left a balance of {$190.00} on the account the represents the erroneous late fees and interest mentioned above and have advised them that I will not pay for the fees or for any late fees or interest going forward. I have used credit cards from various banks for years and have been using on-line banking since the middle XXXX 's and have never had this happen once. This has happened at First Bankcard XXXX in the XXXX months. Probably happening to more people than just me - concerned that they are making money by not posting payments promptly when they are received - and then refusing to credit the late posted payments. In both cases, the payments were posted the next business day following the due date. I actually began scheduling the payment to them XXXX day in advance of the due date since the XX/XX/XXXX incident to provide more time for them to post the payments. The XX/XX/XXXX ( a Friday ) payment was actually scheduled in my on-line baking account to be paid on XX/XX/XXXX ( Thursday ) but was not posted by First Bankcard until XX/XX/XXXX - Monday. It was sent by my bank on XX/XX/XXXX.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-06-11

Fort Worth, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-06-09

Rosenhayn, NJ

Delinquent account

Credit card:

Complaint: credit card company is harassing me on my job, I do n't even know how they got the number they call our general number and have left messages with my coworkers which has caused me numerous issues.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-06-06

Charlotte, NC

Billing disputes

Credit card:

Complaint: XXXX XXXXCard # : XXXX XXXXHello, My name is XXXX XXXX and I am writing as a very disgruntled card holder of your bank. On or about XXXX XXXX. 2015, I submitted through my Online Bill payment system, a payment in the amount f : {$67.00}. This check was apparently sent to your bank and received, and cashed on XXXX XXXX, 2015. But the funds never made their way to my Credit Card account as a payment received. I am not satisfied with this action, because your bank played a role in proactively making sure my payment was late and never posted. I had to send in additional funds to cover the minimum balance due at that time. As a customer with ALL XXXX Credit Cards that your bank offers, this really makes me think in a negative light about the actions and day to day activities at your bank. Not only could you look up my name and address on the front of the check - it even lists my credit card account number. Yet, the money still has not been posted to my XXXX XXXX account. The actions of your company has caused such a strain between me and the customer service team at my bank. You also caused continuous stress on me and your own customer service agents due to the fact that I CONTINUALLY CALLED AND AGITATED YOUR AGENTS ABOUT A PAYMENT THAT THEY TOLD ME I DID NOT MAKE. I know I am not mentally ill and I have the proof of such a payment. I 'm not sure who you have working for your company in accounts receivable, but they should to be replaced ASAP! Where is the money? I demand to be financially compensated for this shoddy error on your behalf. I would like the payment of : {$67.00} credited to my XXXX XXXX XXXX account immediately. I also would like an additional adjustment/credit made to my account for the exact amount of : {$67.00}, or I am requesting a Credit Limit Increase made to all of my XXXX/First National bank accounts immediately. Thank you, XXXX XXXX
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Disputed: No Timely Response

2015-06-04

Manhattan, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

Fort Pierce, FL

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-01

Rochester, WA

APR or interest rate

Credit card:

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-05-29

Glendale, CO

Billing statement

Credit card:

Complaint: I had previously used a 0 % interest check, in which for several months I had abalance, and I did make timely payments. During XX/XX/XXXX that balance was paidin full, ended with a XXXX balance. My XX/XX/XXXX statement shows a startingbalance of XXXX, I made a couple purchase transactions during XX/XX/XXXX, and alsoa partial payment on my account. I should have had an ending balance of {$40.00}, although I was instead charged {$1.00} minimum interest, as I had abalance I was told, even though the credit card agreement clearly states Ican avoid paying interest if I pay for purchases in full during the billing cycle. So the way I understand it, I would have until the due date to pay the $ XXXXto avoid interest. It was later explained that their systems calculated interestif the account was " coming off of a 0 % promo '' even though it had been paid infull timely.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Disputed: Yes Timely Response

2015-05-21

Andersontown, PA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response