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 7
2019-03-10
LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: XXXX XXXX Card is showing my account 30 days late on all three credit reporting companies XXXX, XXXX and XXXX ) for the very month I paid the card off.
I had a {$7500.00} credit limit and after I paid them off they showed a reduction in my credit limit to {$1000.00}. Both of these reports have caused negative results in my credit score and they refuse to correct the problem. I paid this company every month and was never 30 days late. They charged me an additional {$18.00} one month after I paid them off telling me it was accrued interest from the previous month. I need this information to be corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-10
Grandview, MO
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-10
Ewa Beach, HI
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
2019-03-09
San Antonio, TX
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Complaint: This debt was discharged in bankruptcy, they filed a lawsuit illegally and did not notify me about it and obtained a default judgment. Neither myself nor my bankruptcy attorney was notified.
In addition, the charges they disputed were from a stolen credit card for which a police report was filed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-08
San Antonio, TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I filed for chapter XXXX bankruptcy in XX/XX/2018. I also had my house burglarized during the same month - a police report was filed. Many items were stolen, and my credit card. Fraudulent charges were made on my card. The day before my discharge they told my attorney they are disputing the discharge.
My attorney informed them the charges were fraudulent and to disregard them. We believed rightfully that to be the end of it. In XXXX I receive a notice of default judgment. THe credit card company and their attorneys fraudulently and under perjury claimed they served us notice of a lawsuit for which they did not. There was no process server, my attorney had no knowledge of it, and the county clerk said that they only have a sworn statement from their lawyer, now a criminal, that he properly served the notice of the lawsuit.
Neither me nor my lawyer were given notice, and as such no chance to defend the allegation, or present the police report that would have easily cleared me of wrongdoing - especially since the credit card policy is no liability for fraudulent charges.
Unfortunately, this blatant lie will cost me no less than {$1500.00} in attorneys fees to countersue and have the court date reset and judgment dismissed - which obviously if I just filed Ch XXXX I DO NOT HAVE.
The attorney claimed he served notice via first class mail, which is not proper serving of A LAWSUIT. I have attached a letter that arrived -after- the lawsuit was finalized ( dated by the post office )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-07
El Paso, TX
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
2019-03-06
Chaska, MN
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-03-05
Basking Ridge, NJ
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-01
TX
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: OnXX/XX/2019 I had my First National Bank of Omaha bill in hand ( due XX/XX/19 ) and logged in to my account to get a current balance to pay off my account. The balance online was slightly higher than my statement balance, and I paid that balance in full. 8 days later I received a statement from First National Bank of Omaha stating I had a balance of {$110.00}. I called and asked what this amount was, and was told it was interest. I told the Rep I paid my " current balance '' as of the day I paid it off, so I asked the interest to be waived. The rep I spoke to told me First National Bank of Omaha bills interest 2 months behind, and that what was on my bill was legitimate and owed. I asked why and how they billed in that manner, she said they " just did. '' She offered to reverse any late fees I'd ever accrued, to which I replied, " I've NEVER been late! My account is in excellent standing! '' To which she replied " Then I can't help you. '' Every other credit card I have ever paid off has had the current balance available online, or has reversed any interest that hit after payoff.
I paid the amount shown online as my total balance due. If I paid that balance, represented as " current '' ( which was higher than my statement ), there shouldn't be any high dollar surprise 8 days later. I feel First National Bank of Omaha has found a way to rip off customers by doing this " late '' billing of interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-03-01
Lake Balboa, CA
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
2019-02-28
Jersey City, NJ
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Company Response: Closed with non-monetary relief
2019-02-27
Lewisville, TX
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I received a letter dated XXXX XXXX that FIRSTBANKCARD WAS CLOSING MY ACCOUNT and that I no longer be able to utilize my credit line and was advised to destroy all cards related to this account. I called the company upn receipt and of course they refered me back to the letter to get an explanation. from what I gather my credit score has went down so they determine I was not worthy of their card anymore. I have been a customer since XXXX XXXX ( 5years,11 months ) never had a late payment which I have provided proof in this complaint, and for them to close my account and damage my credit with a CLOSED Account For whatever reason is unacceptable and unreasonable. not only does it lower my credit score it damages my rating and future attempts to apply for any credit with that CLOSED status on my credit file
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-27
Tucson, AZ
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Billing dispute for services
Complaint: Back in XX/XX/XXXX I pruchased a product from XXXX XXXX XXXX ( appliance ). It was a defective product which they refused to correct so I sued them in Small claims court and won judgement in XX/XX/XXXX. Part of the courts ruling was that I was not liable or responsible for the remainder of balance. Although the terms of contract became null and void, XXXX XXXX showed it as a charge off on my credit. This was back in XX/XX/XXXX and XXXX keeps showing negative on my credit report even though I have disputed this negative report. Because of this XXXX XXXX has lowered my credit limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-26
Marshall, WI
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I had a credit card account with XXXX XXXX, a division of First National Bank of Omaha. I had a payment due on XX/XX/XXXX. My internet service was out and so I wasn't able to make payment until the XXXX. A few days later I called the company and asked if the ( outrageous ) late payment fee could be waived since I was only hours late and had consistently been paying on time.
At that time, I was told that my account had been closed in XX/XX/XXXX. The person I spoke to refused to give me the reason and indicated a letter had been sent to me explaining. I did not receive the letter and requested another be sent. I was told it would be.
I did not receive the second letter after a couple of weeks so I called again to request a 3rd letter be sent. It has now been approximately 6 weeks and I still have not received a letter or any explanation as to why my account was closed. When I go to my account online there is nothing that says the account is closed.
I have consistently made payments on time on all my accounts. I have had one negative report recently. In XX/XX/XXXX I received an exceptionally high utility bill from XXXX XXXX. I was only able to pay 1/2 on time. The balance I paid with the next payment. I was only one month late with 1/2 of payment due. I have had service at my present location for almost 30 years. I have never had service disconnected nor had a poor report sent to a credit bureau. This was exceedingly unfair and just plain mean.
The credit card company closing my account without any apparent reason and refusing to advise the reason is inexcusable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-24
Quartzsite, AZ
Improper use of your report
Credit card or prepaid card: General-purpose credit card or charge card
Reporting company used your report improperly
Complaint: My credit card account was suddenly and unexpectedly closed. The company cited my credit score as the reason why it had closed the account. I've always paid the account on time and did not authorize any credit checks. The company XXXX is located in XXXX XXXX XXXX, Utah and uses the name XXXX XXXX XXXX. This is further part of harassment that I'm being subjugated with while in Arizona.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-24
Detroit, MI
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Tried to utilize my credit card in XX/XX/XXXX, card declined, I noticed the card was expired, called to have a new card sent out on XX/XX/XXXX, was advised to allow seven business days. Upon ordering this replacement card, i was advised one had been sent previously in XX/XX/XXXX, rep assured me it wasn't activated so everything was fine. Received a letter dated XX/XX/XXXX advising they can't send a replacement card because the account was closed. I called customer service yet again on XX/XX/XXXX and rep advised at that time that i was sent an email dated XX/XX/XXXX advising me the card had not be utilized and that could result in account being closed ; i never received that email and even when back to view my email account after rep verified the address, that email was not located, asked rep if he could resend for verification he stated no and advised i should have received a letter in XX/XX/XXXX about the account inactivity, advised i didn't receive that either as i try to make sure i utilize each of my credit cards/debit cards at least once a year. I asked rep how can i appeal this he advised he would escalate to the office of the President at the organization and i should receive a letter in approximately seven business days of the determination, we verified the address and thus far nothing has occurred. Closing of this account has caused my credit scores to drop over 20 points. I work hard to maintain a great credit history and believe companies, especially those where members are long standing and in good standing should have to validate/approve for an account to be closed before companies close an account for due to inactivity. that 20+ points is very quickly loss, yet very difficult to recover.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-24
Holiday Hills, IL
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-22
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
2019-02-21
Everett, WA
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
Complaint: After a lengthly phone conversation in XXXX with somebody claiming to be from XXXX ( the XXXX I work for ) and from the Bank of Omaha, I was sent a pair of credit cards for my wife and i which I was not expecting, and there was a balance transfer of over {$2000.00} which they claimed came from my credit union and I never authorized. Got a letter on XX/XX/XXXX19 saying the balance transfer exceeded my credit limit. Credit union has no record of any balance transfer, but now this credit card company wants me to pay it, and the interest rate shoots from 0 % up to 24 % in two months! Got that letter XX/XX/XXXX19, followed shortly by the two unsolicited credit cards.This puts my ( and my wife 's ) credit in jeopardy and is absolute fraud and theft! Shutting down all access to my accounts, big inconvenience and hours on the phone is what will become of all this. Called the XXXX XXXX number listed on the card, and some very rude customer service man there said I owe the {$2000.00} and that was that. Spoke to XXXX from the fraud department at bank of Omaha and she recommended I file this complaint! Currently have not received a statement from this company, and will not be paying it if I do.
Company Response: Closed with explanation
2019-02-20
Pulaski, MS
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Closed my account with no warning called three times for explanation with no real answer except letter in mail letter dated XXXX2019 recurved XX/XX//2019 not explanation vague answers I have 0 missed payment in 4years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-19
FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I have been traveling with my job since XX/XX/XXXX. Last week, I received noticed from my credit card monitoring program that my card has been closed. I never recieved any notifications before this point. I have been a card member since XX/XX/2013, with this company and I never paid late or went over my credit limit. Back in XX/XX/XXXX I lost my job and was searching for work for several months. I loss my job do to technology replacing people. During this time I to use my credit cards to make it through this transition. Never paid any thing late. Now my balances are pretty high on some cards which I will be paying them all off here in the next month. I have sold my house. My problem is I am going to get a new mortgage. Now I have to explain this to my lender for my new mortgage plus this also lowered my credit score. Just a single mother trying to make it in this unfair world we live in. Funny how the middle class keeps getting penalize for something that isnt their fault. These huge financial institutions shouldnt be able to do this to us. I mean I had no advance notice this is was going to happen. Plus, I just received my new card from XXXX XXXX XXXX through the mail. Never received the letter they are telling me about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-19
PA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: My account with XXXX XXXX was closed XX/XX/XXXX due to insufficient number of points and I just received the letter today, XX/XX/XXXX. The account at the time of closing was in good standing and still had an open credit limit. I called the company to ask why and was told that they have the option to close an account at anytime even if it is in good standing based on a credit review. My concern is that there was no prior warning of being in any danger of having the account closed. The payments were made monthly and I was not in default. Had I been out of my home area with only this card to use, this could have been an issue. To my knowledge, there was still credit available and I could have been stranded with a declined card. Im also concerned as to why this letter dated XX/XX/XXXX is just reaching me now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-17
Atascadero, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-02-15
Sandy Hook, CT
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Billing dispute for services
Complaint: Mid-XX/XX/XXXXI received a letter from the XXXX XXXX, XXXX XXXX XXXX, XXXX, NE XXXX Fraud Prevention Department that they had placed a temporary block on my account because of suspicion of fraud and asked that I call them about the matter. Because I am XXXX XXXX I can not use the phone so responded to their letter by USPS mail telling them that I had not used the credit card involved in over 6 months and it indeed was probably a case of fraud.
I received NO RESPONSE.
Mid-XX/XX/XXXX I received an exact duplicate of their XXXX letter.
Later in XXXX I received an invoice from XXXX XXXX MasterCard for {$180.00} with a transaction date of XXXX listed as a description " XXXX XXXX '' XXXX I noted on copy of invoice that it was a fraudulent charge and sent them a copy of my XXXX letter. NO RESPONSE.
Asked my daughter to contact them by phone to settle the matter and get a replacement card. Received replacement with an expiration date of XX/XX/XXXX. Card no good.
Daughter called again requesting a corrected card but card never arrived. Daughter called again and was told there was a balance due on card and new card could not be issued. Fraudulent charge had been deducted but interest they charged was still listed as a balance due. Daughter called again and asked to cancel card because of difficulty dealing with them, to which they agreed.
The next day I received an email from credit card services telling me that my FICO score had been changed from XXXX to XXXX.
XX/XX/XXXX I wrote to XXXX XXXX, Customer Care Sr. Specialist ( only name I had through all correspondence concerning the matter ) that they request my credit score be reinstated immediately because of their error or I would file suit against XXXX XXXX. It is now 14 days later and I have had NO RESPONSE.
XXXX XXXX is deliberately jeopardizing my credit rating and I am contacting you for advice and help before I file suit against them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-02-15
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation