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 6

2019-04-18

Fremont, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-18

Saint Paul, MN

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I obtained a HELOC loan to pay off some credit cards in XX/XX/2019. XXXX XXXX issued a Cashiers Checks to pay off my XXXX 's account. The check was written out for {$80.00}, paid to the order of XXXX XXXX. However, they accidently sent the check XXXX XXXX to First National Bank of Omaha. First National Bank of Omaha deposited the money into their account, and because the account number on the check was not an account of theirs, the money, obviously, was never credited to. my XXXX account. As well, it was not credited to the account I have with First National Bank of Omaha : a XXXX XXXX VISA card. Basically, the cashiers check was cashed by First National Bank of Omaha, but never credited to any account I hold. On XX/XX/XXXX the check was received and deposited. I called XXXX for months to try to figure this out, and finally on XX/XX/XXXX, Macys informed me that the check was cashed by First Naitonal Bank of Omaha. They gave me the phone number for FNBO, On XX/XX/XXXX, I spoke with a Customer Service Rep and they told me to fax a copy of the check and the receipt from XXXX XXXX for this transaction and they would get back to me. I have since called them several times, written them letter and to no avail. They tell me they did not receive the faxed copies, or the written copy. I need help getthing this oney back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-17

Woodmoor, CO

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-17

Closing an account

Checking or savings account: Other banking product or service

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

Timely Response

2019-04-16

Chicago, IL

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: On XX/XX/2019 I received an email alert from XXXX XXXX notifying me that XXXX XXXX XXXX had charged my credit card for an UNAUTHORIZED amount of {$200.00}. But when I called XXXX XXXX ( the issuer of the credit card ) to inform them that this was a fraudulent charge, and that XXXX XXXX XXXX was stealing my money. They told me I had to contact XXXX XXXX XXXX and request a refund or wait until the charge actually post to my account and then file a dispute. WHAT? So in other words they told me I had to first wait until XXXX XXXX pay the thieves, then I had to call and ask the thieves for my money back. And if the thieves didnt give my money back, I had to contact XXXX XXXX a second time and dispute the stealing. This is absolutely terrible and totally unacceptable. How can a bank or any other company create a procedure like this? Whats the purpose of receiving alerts about fraudulent activity on my account if the bank much first pay off the transaction before I can dispute the fraud. The Consumer Financial Protection Bureau must make banks change their policies in order to better protect consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-15

MA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: Hello, Today 's date is XX/XX/19 I have a First National Bank ( FNB ) of Omaha Orvis Credit with a {$3000.00} credit limit, which is paid off monthly. FNB allowed a transaction to be posted against my credit card which allowed my credit limit to be exceed. I have NOT opted in to over-limit fees so the expectation that any transaction is declined if there isn't enough available credit to cover it. I have contacted FNB and their representatives indicated have no hard stop of purchases that exceed credit limits as they find their card holders to be upset and they do not wish to have to communicate with them, so they allow over limit purchases. I asked if I could have a hard limit set on my account and they said no, they can not do that. I have contacted two ( 2 ) out of three ( 3 ) credit bureaus and they said that FNB should provide a later to sort this indicating FNB 's misstep. When this was communicated to FNB, they said no, they will not. At this point, given the above I have to accept what appears to be a business practice of FNB that is in direct conflict with the " Credit Card Accountability Responsibility and Disclosure Act '' which indicates that over limit purchases should be declined.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-05

Austin, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Have been receiving repeated calls from First National Bank of Omaha, purportedly about an " XXXX Store Card '', which I do not have. I paid this account off in full years ago and cancelled the account, so I can not fathom what I might possibly owe them, or even why. This collection company repeatedly calls my work number -- two and three times a day, sometimes more. I have had to put my phone on silent because it disrupts my coworkers. When I checked the voicemail messages this company had left, I was astounded : 77 messages in about the period of two months. The number that the call came from is XXXX. I have no idea what this is about, but I want the calls to stop until I get this sorted out with the retailer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-03

San Antonio, TX

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: On XX/XX/2019 I paid out what I was told was my balance on my 1st Bank of Omaha, {$8800.00}. My payments aren't due until the XXXX of each month. therefore I was " way ahead '' of payment due date. 3 days later I email the company on their web page asking the account be closed permanently. 1st Bank Omaha responded email on XX/XX/2019 informing me the account was closed. Come XX/XX/2019 I get an email from 1st Omaha informing me my account has a {$25.00} balance I am responsible for? I immediately call them. I spoke to the 1st rep who immediately informs me the bank " Does Not '' provide payout amount telephonically to customers, after I try to tell her my account is closed. I ask for a supervisor, who comes on line only to inform me that the {$25.00} balance is interest accured from the XX/XX/2019 to the date of when " THEY '' produced their next statement of XX/XX/2019. I explain on how I tried to get a pay-out from a rep before XX/XX/2019 to no avail, but she had told me the amount on line was amount due. I don't understand how I accrue interest on a closed account ( XX/XX/19 ) with XXXX balance? 1st Bank 's supervisor, simply tells me that if I want my account to dissapear, basically I just need to pay the amount. There was much more spoke, not enough room on page.
Company Response: Closed with explanation

Timely Response

2019-04-02

San Gabriel, CA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: Re : First National Bank of Omaha XXXX XXXX Credit Card Annual Fee. On XX/XX/2019, around XXXXXXXX XXXX Pacific time, while making the monthly payment for the XXXX XXXX charge card issued by First National Bank of Omaha, I notice an annual membership fee of {$19.00} posted on XX/XX/2019 ( see attached statement ) to my account. The membership fee was for the coming year. It was too late to call the bank ( headquarter in Nebraska ) to discuss this charge, so I made the call on XX/XX/2019, around XXXX XXXX Pacific time. Spoke to the customer service representative on XX/XX/2019, explained charge on my statement and her to cancel my charge card and refund the membership fee. She put me on hold to speak to a supervisor and came back to me and said that they can cancel the card but can not reverse my membership fee. Then I explained to her that the fees charged was for the future year and as I do not want to use the card I should not be charged a fee for a service that I do not want. She replied that there is nothing she can do. Next, I asked to speak with a supervisor and the customer representative said that the supervisor is going to say the same. I insisted that I talk to a supervisor and after being on hold for about 5 minutes I was connected to a supervisor named XXXX. I explained to her that I notice this fee posted to my account, on XX/XX/2019, while making my payment on XX/XX/2019. Also, I told her that it was within 30 days of the charge being posted on my account and I should have the option to cancel the charge card and not be charged an annual membership fee. She said that she could not reverse the fee. As I realized that I was not getting anywhere with her and she was oblivious to reasoning. I asked her to cancel my card as of XX/XX/2019, and decided to seek your agencys help. This kind of strong-arm tactics by financial institutes and/or by their staff should be curtailed. They know that they hold our credit future at ransom, thereby refusing to listen to reasoning and use common sense. Most financial institution are professional and do try to work with the consumer to address their grievances. It is in my opinion that I think that as a consumer I should have the right to dispute a charge within a reasonable time, in this case approximately 11 days, and not pay for a membership I do not want. Please look into this illegal charge and hopefully come up with a favorable outcome.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-01

Little Rock, IL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-29

AL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I was contacted by XXXX XXXX XXXX ( XXXX XXXX and XXXX XXXX ) XXXX for a debt owed to XXXX XXXX. They threatened to sue me, but would not confirm the last four of the account number, the amount owed, or provide a debt validation letter. They said they are absolutely unable to send me anything regarding this debt. The issue is that I have paid this debt, and was attempting to verify it was the same one. I only ever had one XXXX XXXX Card. I have contacted the original attorney that had the collection. I received a paid in full letter with the last four of the account number on it. XXXX XXXX XXXX would not confirm the account number. They would not provide a debt validation letter. They would in no way attempt to verify the amount paid. They would not give me anyone else to speak to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-27

Primm Springs, TN

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-03-27

Durham, 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: First National Bank of Omaha XXXX credit balance I lost my wallet in XX/XX/2018. I notified First National Bank who ternimated that card number. I failed to contact them within the next billing cycle to reissue a new card, and the account was automatically closed. I understand why it was closed, however the {$160.00} credit balance was not automatically returned to me. I understand they have five months to return a credit, but that should only be on a current account. By not automatically returning my credit upon closing the account, I believe they are acting fraudulently by keeping the money for 5 months, as there was no way for me to use it. Also, I continuing getting statements that show I have a XXXX dollar credit limit, and there is no indication on those statements that it is closed. That is very misleading.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-26

Williamston, MI

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

Timely Response

2019-03-25

Saint Paul, MN

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-03-22

MN

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: I was notified by First Bankcard that my account was closed due to delinquency reports on my credit report. This report was an incorrect report that has since been corrected. See attached letter to confirm.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-22

Oak Grove, MO

Closing an account

Checking or savings account: Checking account

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

Timely Response

2019-03-21

Effingham, KS

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: This bank closed my account and has almost {$2300.00} of my money plus some other funds. They called randomly and said Im banned from the bank but I have not even been to their location. This is unjust.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-20

Chicago, IL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-20

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-15

Oak Grove, MO

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Please notify the bank it is violatingThe Gramm-Leach-Bliley Act ( GLB Act or GLBA ) is also known as the Financial Modernization Act of 1999 repeatedly It is a United States federal law that requires financial institutions to explain how they share and protect their customers ' private information. To be GLBA compliant, financial institutions must communicate to their customers how they share the customers ' sensitive data, inform customers of their right to opt-out if they prefer that their personal data not be shared with third parties, and apply specific protections to customers ' private data in accordance with a written information security plan created by the institution. This bank is giving my information of to a third-party named XXXX XXXX and Im being harassed and by XXXX and XXXX XXXX who have no business contacting my work phone, or personal email. Please notify this bank they are not authorized to share my information with any other parties and owe me a contractural obligation and duty which is being breached. This stems from me receiving a payment from a major music distributor and attempting to buy a chain and pendant for my XXXX birthday which the seller was scamming me on the gold and diamonds etc. After filing a dispute I attempted to retrieve my cash from my account when the seller promised a refund after almost waiting 2 weeks. This has now prompted the bank to send XXXX XXXX which upon a XXXX review look like a endangerment to my life to say they are dealing with me for the bank. This third-party company is not a bank and should not have my information nor contact me as this is unlawful. If I were on the property of the bank causing issues then this would be expected but in the comfort of my own home after work hours aXXXX XXXX XXXX XXXX XXXX receiving phone calls and emails at XXXX is a violation of my rights, as a consumer this is not ok for any business especially a bank to do this. The primary data protection implications of the GLBA are outlined its Safeguards Rule, with additional privacy and security requirements issued by the FTC 's Privacy of Consumer Financial Information Rule ( Privacy Rule ), created under the GLBA to drive implementation of GLBA requirements. The GLBA is enforced by the FTC, the federal banking agencies, and other federal regulatory authorities, as well as state insurance oversight agencies. Customers must be notified of private information sharing between financial institutions and third parties and have the ability to opt out of private information sharing. Private information must be secured against unauthorized access. User activity must be tracked, including any attempts to access protected records. The GLBA requires that financial institutions act to ensure the confidentiality and security of customers ' " nonpublic personal information, '' or NPI. Nonpublic personal information includes Social Security numbers, credit and income histories, credit and bank card account numbers, phone numbers, addresses, names, and any other personal customer information received by a financial institution that is not public. The Safeguards Rule states that financial institutions must create a written information security plan describing the program to protect their customers ' information. The information security plan must be tailored specifically to the institution 's size, operations, and complexity, as well as the sensitivity of the customers ' information. In order to achieve GLBA compliance, the Safeguards Rule requires that financial institutions pay special attention to employee management and training, information systems, and security management in their information security plans and implementation. Once a GLBA non-compliance allegation is proven, the punishment can have business-altering, and even life-altering, ramifications. Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits " unfair or deceptive acts or practices in or affecting commerce. '' This prohibition applies to all persons engaged in commerce, including banks. Financial institutions found in violation face fines of {$100000.00} for each violation. Individuals in charge found in violation face fines of {$10000.00} for each violation. Individuals found in violation can be put in prison for up to 5 years. Deceptive Practices An act or practice is deceptive where a representation, omission, or practice misleads or is likely to mislead the consumer ; a consumer 's interpretation of the representation, omission, or practice is considered reasonable under the circumstances ; and the misleading representation, omission, or practice is material. Unfair Practices An act or practice is unfair where it causes or is likely to cause substantial injury to consumers ; can not be reasonably avoided by consumers ; and is not outweighed by countervailing benefits to consumers or to competition. Public policy, as established by statute, regulation, or judicial decisions may be considered with all other evidence in determining whether an act or practice is unfair. Furthermore, the prohibition against UDAP not only applies to all products and services offered by banks, but to every stage and activity, from product development to the creation and rollout of marketing campaigns, and to servicing and collections. Therefore, particular focus should be paid to new or modified systems or products and third-party arrangements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-14

Longmont, CO

Struggling to pay mortgage

Mortgage: Conventional home mortgage


Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-13

MA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I have been trying to negotiate a debt settlement with my original credit card company ( First National Bank of Omaha ). In the midst of this negotiation, I received a notice from that original credit card company stating they sold my debt to a specific debt collection company ( XXXX XXXX XXXX XXXX XXXX ) and that company was prohibited from reselling my account to an entity other than to an affiliated entity without the approval of the original creditor. I sent a negotiation letter to that debt collection company as soon as I received the letter from the original creditor. Soon after, I started getting collection phone calls from a different company to my place of employment. I then received a notice in the mail from that different company ( XXXX XXXX XXXX ), telling me that I need to send payment to XXXX. I sent them a verification letter on XX/XX/XXXX/2019. To date ( XX/XX/XXXX/19 ), I have only received copies of my credit card statements and a notice stating that XXXX was permitted in the State of Massachusetts. However, I do not, nor ever received, a letter stating that they are authorized by the original creditor to collect the debt. The 2nd debt collector has bad marks about their unsavory debt collection practices and I don't trust them. The 30 day period is over for giving me this information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-13

Queens, NY

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Complaint: They are very XXXX this bank is horible with my Im a victim of Id theft and they refuse their is a guy their XXXX with the fraud dept refuse to help me saying I can never have an account when I filed my complaint with this company about it their president sent me a letter apologizing Telling me I can apply for a card with no problem well i just did and they are XXXX saying no that I cant and thats as high as it will go this bank has to be shut down they treat me like XXXX they approve me then say they made a mistake horible customer service they dont agree with what I say complete dishonest bank
Company Response: Closed with explanation

Timely Response

2019-03-12

Kansas City, KS

Problem when making payments

Credit card or prepaid card: Store credit 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

Timely Response


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