FIRST NATIONAL BANK OF OMAHA
Consumer Complaints
There are over 1354 complaints on file for FIRST NATIONAL BANK OF OMAHA. Dated between 2019-12-04 and 2011-12-02.
Complaints Page 5
2019-05-20
San Antonio, TX
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: First National Bank of Omaha closed my Visa card with no prior notice. This company solicited me to open an account and then later closed it with no warning. These unfair practices damage consumer 's credit.
On XX/XX/2019 I called FNB to ask that the account be reopened in order to pay down the balance. They could then lower the credit limit, if they so chose. A much better alternative to closing the account completely.
I was told by a rep and then a supervisor the closed status was final and had already been reported to a credit agency ( XXXX ) My payment history was good ( rare if any late payments ) Balance was high because I use it for my XXXX account.
FICO score is fair.
I understand the risk factor but where is the personal relationship with the customer? A simple phone call or notice by mail would have resolved this. And if I was unable to lower my balance to alleviate their risk, then at that time they could make the decision to close the account. But this method is so drastic! Closing credit cards without offering the option to pay it off first is not even a good business choice.
Why does a bank of this stature want to hurt their customers arbitrarily? A faceless entity - big banking - already despised in our country for milking the public with card debt and high interest rates, now adding to their bad image with automatic closures and adverse credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-15
Plymouth, MI
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-05-15
Northside, NC
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: I attempted to use my XXXX credit card at XXXX on XX/XX/19 around XXXX. It was repeatedly declined, so I contacted customer service. The representative told me that my account had been suspended without notice prior to such action, or even the possibility of such action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-14
Salton City, CA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: On XX/XX/2019 I was contacted by First National Bank Of Omaha for the collection of a debt of {$18000.00} and on XX/XX/2019 for {$25000.00}. Both from First National Bank of Omaha. Two separete debts. After going through my paperwork, I was unable to find any contract between First National Bank Of Omaha and I. On XX/XX/2019, I requested in writting a contract with my original signature for both debts, and was unable to receive an original contract with my signature. Then on XX/XX/2019 I received letters from their Attorney. I also requested an original contract between First National Bank Of Omaha and I.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-12
Marietta, GA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-10
E Pennsboro, PA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-05-10
Farmville, VA
Took or threatened to take negative or legal action
Debt collection: Payday loan debt
Threatened to sue you for very old debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-10
NY
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: Credit Account with First National Bank of Omaha incorrectly froze account despite on-time payments, because of accidental payment from incorrect account. After fixing the issue, was told account would be unfrozen ( despite that it should never have been froze in the first place ) then told it would be unfrozen after 3 consecutive payments, now being told to wait till XXXX. Despite being told it would be ok on XX/XX/26 then XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-08
Heidelberg, TX
Incorrect information on your report
Vehicle loan or lease: Loan
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-07
Pardeeville, WI
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-06
Clifton, NJ
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-04
NC
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: statement date XX/XX/19 last bar. XXXX charge XXXX XXXX payment XX/XX/19 XXXX payment XX/XX/19. XXXX statements date XX/XX/19 last bal XXXX late chg XX/XX/19 XXXX late charge was applied because I made early payments I have other cards that recognize early payments made before cycle end and do not make charges.
I was told I needed to understand how there system works. there is not anything on their web site that states that they do not recognize these payments as satisfying a payment due in a statement due out in the next few days.
I was penalized for early payment and payments that far exceeded any payment amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-03
Shirleysburg, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-02
Lenexa, KS
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-02
New York, NY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-02
KY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: On XX/XX/XXXX ; my {$400.00} dollar payment to First National Bank Omaha was deducted from my checking Acct. as usual by bill pay via XXXX from my XXXX XXXX XXXX acct. This was an XXXX VISA Card issued by FNB Omaha Acct.
FNB Omaha received the payment.
Several days later my card was declined at two separate stores. I knew my credit limit was in excess of about XXXX XXXX dollars. FNB Omaha had recently increased my credit limit due to my very good payment history. Years of payments to this institution. Never late. Always well above the total due each month.
Returned home and called First National Bank Omaha. Rep. said all old accounts had been purged from data base in XX/XX/2019. Rep. said my payment had been returned to my bill pay at my bank. Also said I needed to update my bill pay XXXX to show my new account number ; as they could no longer accept my payments as previously under the old Acct. number.He said my account had been temporarily suspended due to my late payment. I told him that this was no fault of mine and that the fault lay with First National Bank of Omaha. I logged in to my XXXX XXXXXXXX XXXX and changed the number to that on my VISA card.
Several days later the {$400.00} dollars never came back into my checking acct. I called my bill pay customer service and they began an inquiry to FNB Omaha as to where the payment money was at. Two days after that I called bill pay again and they told me the payment was never returned to my Acct. I then called FNB Omaha again and the representative told me they had found the money and applied it to my acct. I had told them in both these two calls that I would not accept a late payment mark against my credit score. They had told me it was my fault for not changing the old account number and that a letter had been sent to me explaining this. I may or may not have received such a letter ; and if I did I may have shredded it or burned it thinking it contained blank promo checks etc.
The third call to FNB Omaha I spoke to a Rep. and then to her Supervisor. I again reiterated that I would not accept a late payment report against my credit score as they had held my payment too long before applying it to my new acct. number. Supervisor told me that it was not their fault and that I should have changed my number when I saw the XX/XX/XXXX statement. I do not remember anything about it on my paper bill from XX/XX/XXXX. I did find theXX/XX/XXXXstatement and there was no such warning on it. I disputed with the Supervisor and told her that due to my awesome payment history and years of card use I would not accept a late payment mark and also they never returned the money to my Acct. and it took several days for them to process this payment. I then told her to close the account and she did. I told her this was a terrible way to treat a card holder with an exemplary payment history as I had.
First National Bank Omaha and the XXXX ended their association in XX/XX/XXXX. This may or may not have been bias against XXXX members such as myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-05-01
Groves, TX
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Complaint: I recently received a letter ( copy attached ) attempting to collect a debt from a law firm, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, on behalf of First National Bank - Omaha. The letter was sent to a former address. I responded by letter ( copy attached ) requesting proof of debt and other records certified by custodian of records for FNB. In response, the law firm sent a photo copy of a purported judgement, obtained in XX/XX/2016, from a Justice of Peace Court in XXXX County. I was never served with a subpoena or summons, and was unaware of the judgement, which I am yet to independently verify as truthful. I responded, informing the firm I was not accepting that document, and again requested bank records. Yesterday I was made aware that the firm sent documents via US Postal ( regular mail ), again to a former address. Said documents were in an envelope that appears to have been opened and resealed with tape. Said documents included my complete social security number, and other person identifiers and information. The same documents also contained a great deal of incorrect information. I believe said documents were obtained from an on-line data service that collects public records ( such as XXXX ). Again, they failed to comply with my request for actual bank records. Of greater concern is the gross misconduct of exposing personal data in such a manner. I know this firm is nothing more than a debt collector engaging in the purchase of outstanding debts. I do not believe they have the means to produce the records requested. I am also aware that this firm has had a number of complaints filed against them, and was named in lawsuit filed by the Mississippi Attorney General. I believe they are disregarding consumer rights and laws pertaining to debt collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-28
Key Biscayne, FL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: INQUIRY I DONT RECOGNIZE BEING REPORTED
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-26
Main Office, VA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: On XX/XX/XXXX, I sent a payment of {$150.00} to FNB Omaha via my eBill pay service, as I always have for the past decade ( at least ).
On XX/XX/XXXX, I sent another payment of {$130.00} via the same method.
Between XXXX and XX/XX/XXXX I had received a missed payment notice via email, but assumed it was in error since I had confirmation from my bank that the funds had been sent.
On XX/XX/XXXX, My bank refunded the {$150.00} payment I made on XX/XX/XXXX. At that point, I called FNB Omaha to inquire why they hadn't accepted my payment. The representative I spoke with told me that she could not see my account because they were updating the system and no account information was available, so she couldn't tell me why they were rejecting my payments - I would have to call back some other time because she also could not take a message and call me back when the system was up again. Since the {$130.00} had gone through, and with this new information, I assumed the {$150.00} had been returned because of the system update.
On XX/XX/XXXX, I called again to inquire. Because I didn't have the card with me, the account rep I spoke with initially told me she could not look up the account because I didn't have the card. As she was about to end the call, I actively asked if she could look the account up another way, and she admitted that she could. Initially, she said she didn't see any account tied to my name and seemed to insinuate that I was wasting her time. When she finally found it and started doing the research, she let me know after 25 minutes that I had reported a card lost or stolen in XXXX and that the account number had changed. As a courtesy they had been sending my payments to the new account. But they stopped doing that for me at the end of XX/XX/XXXX, so that's why they were rejecting my payments. I asked if they had notified me about the change - as I had no idea this has been happening for five years ( no one ever asked me if I wanted them to apply the funds to a different account ). She said that they had put a note on a statement. I explained that they don't send me statements - I don't even get notified when there is a new one available. But since I can see anything pertaining to my account simply by logging in and looking at my activity, payments, payment due date, rewards - EVERYTHING that is typically included on a statement, I don't ever look at my statements. The information has never been any different.
I asked to speak to a manager, who treated me with the same disrespect ( never an understanding of how I could have not known they were making a critical change to my account ). I asked if they had tried to contact me to tell me that there was a critical change happening to my account? The answer was no - they let me know by putting it in a statement that they don't send to me. They said that there was probably a note in the new card when they sent it to me in XXXX, so I asked them to send me a copy of that. I wanted it for my records, to see how I could have missed it, and also for the instructions to update my eBill payer account with my credit union. She said she would put in the request and I should have that communication via email in 48 hours.
Same day, I called my credit union and asked if they could find the money that had been removed from my account on XXXX but had not made it to the intended recipient. They returned the money to my account on XX/XX/XXXX.
Around XX/XX/XXXX I received a collection call and explained to the representative all of the above, and let him know that the letter I had requested was never received. He tried to tell me they sent it to me, so I searched my inbox and found nothing. The very next day, the attached letter was sent to me via secure email. This is clearly not what I requested.
I have spoken to four representatives since then, each of them telling me that I should have known that critical information that isn't on my personal account page would only be accessible in a statement they don't send me. I argued that something this critical should be communicated in a more direct way. On XX/XX/XXXX, XXXX ( ID XXXX ) told me that she checks her statements every month to see if they have made changes to her eBill pay account. I have been building credit for almost 30 years and have never heard of this ( and I also work for a large financial institution and have never even heard of this as a best practice ).
On XX/XX/XXXX, a {$600.00} payment was sent via my bank and this one is now being rejected as well. I still have not received that letter telling me that I have new account info and how to update my eBill payer account with my credit union. But I HAVE deleted FNB Omaha from my list of payees. I have alerted FNB Omaha that as soon as my bank refunds the last payment of {$600.00}, I will send it via some other method. But I do not feel confident I will ever receive the information I requested so that I can update my account. Perhaps it was never sent to begin with.
XXXX refunded the late fee and said they would not report anything to credit bureaus if they receive payment before mid XXXX. My bank asked me to check back on Tuesday XX/XX/XXXX to see if the funds had been rejected yet. I have informed the FNB that I will send that money to them as soon as the funds are put back into my account.
While there might not be any lasting damage to my credit or account ( obviously this is still TBD ), I still want to understand how it is a reasonable expectation that a high-value customer would be aware of critical account changes when that communication is delivered via an indirect method. I was told that I should be looking at my statement every month to see if there are eBill pay changes, even though they don't tell me when new statements are available. I asked why they couldn't communicate that to me on my account page, via postal mail, email, or phone, and I was told that it isn't their responsibility to hold my hand when bills are due ( ignoring the fact that I had actually been making payments, and the bill being due is not the actual issue ). Meanwhile, they raise my credit limit $ XXXX every year because they have never had to hold my hand ever before. I asked them why they never communicated to me over the past five years that they were reallocating my payments without my knowing. They told me it was my responsibility to know this - I should read the statements they don't alert me to. I noted that I had no idea there was an account change - I log into the same account with the same user name and password every time with no issues. How would I know there was a new account to look for? I was repeatedly told I should have known to look at my statement to see if they were changing my eBill pay information. In 30 years no one has ever changed my eBill info without telling me before - only this organization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-04-25
Glendale, CA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: My XXXX Master Card with First National Bank, account number XXXX was lost or stolen and incurred charges totaling to {$35000.00} statement with due date on XX/XX/2019 Last statement they sent is totaling to {$35000.00} I've contacted the bank with phone number XXXX, spoke to customer service rep named XXXX and reported the fraud on XX/XX/2019.
I clearly stated that I personally I have nothing to do with any of charges posted on that card.
Today XX/XX/2019 I received letter stating that my claim was denied based on the matter that I personally called and confirmed transactions from my phone.
They provided me with new number XXXX then XXXX XXXX for additional assistance.
At the time of the claim opening I specifically stated that I never called and confirmed any of the charges.
I contacted my phone company to find out if technology used today can give access to someone else 's phone without their knowledge and was confirmed that it is unfortunately a possibility.
I am clearly a victim of identity fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-25
TX
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: XXXX are incorrectly reporting me as an Authorized User on the FNB OMAHA Credit Card partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called FNB Omaha and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-23
Hazle Township, PA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-23
Long Island City, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I opened a new credit card with First National Bank Of Omaha a few months back. On the first statement, I owed {$1100.00} but mistakenly only paid {$1100.00} ( I shorted them {$19.00} ). On my second statement my purchases came out to {$1100.00} + {$19.00} = {$1100.00} Which was paid in full ( The statement did not show I had owed more ). On my third and most recent statement the credit card company charged me {$77.00} in interest from an unpaid amount of {$19.00} from the first statement but was only made aware of it on the third statement.
When I called to see if I can have this waved I was transferred over to a supervisor that was very rude and said that it was a valid charge of {$77.00} on a {$19.00} balance that was paid 20 days late. I had asked her if I could speak to anyone else that can address this or who can I contact to complain and her exact words were " I'm not going to educate you on who to complain to! '' I also asked her for her information so I can name her in this complaint and all she would give me is XXXX XXXX. I had asked her if she can give me her full last name or supervisor ID # and she refused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-19
Chicago, IL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-19
Atlanta, GA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: On or about XX/XX/2019, I changed my AutoPay settings online from payment in full to minimum payment only. Section 1 ( f ) of the terms and conditions ( attached hereto ) indicate that such changes are acceptable if made at least three business days before the payment date, which was XX/XX/2019.
Upon making such change, the next screen on the FNB website is substantially in the form attached hereto, which indicates explicitly that such " changes will take effect on the current billing cycle. '' On or about XX/XX/2019, FNB Omaha attempted to make an unauthorized withdrawal of {$3900.00}. This was unauthorized because my instructions to FNB, and accepted by FNB, only authorized the minimum payment only to be deducted. I was then charged a {$29.00} NSF fee by my home bank due to this unauthorized withdrawal by FNB ( shown in the transaction attached hereto ).
On XXXX XXXX and XX/XX/2019, I reached out to FNB Omaha to notify them of the situation. I spoke to supervisor XXXX at or about XXXX on XX/XX/2019, who advised me of FNB 's deceptive practice of ignoring AutoPay changes for the current billing cycle. I told him about the Terms and Conditions to the contrary, as well as the explicit notification on the website that " changes will take effect on the current billing cycle, '' and XXXX confirmed that FNB 's practice was in fact the practice routinely used and what he advises to all of FNB 's other customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief