FIRST NATIONAL BANK OF OMAHA

2019-02-08

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

2019-02-08

Oxford, GA

Other features, terms, or problems

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

Other problem
Complaint: Upon having my credit report run in order to qualify for a mortgage about one month ago, I was surprised to see an active, joint credit card account with my ex husband of 3.5 yrs. with no pmnts made in 90+ days. I called FNB Omaha ( creditor ) to request to be taken off acct due to my divorce in XX/XX/XXXX and my not being responsible for overdue balance whatsoever. On XX/XX/XXXX, FNB emailed me their required " request for one party to be removed from a joint acct '' form for both me and ex to sign and have notarized then mail ( I priority mailed instead ) back to them. I called FNB on XX/XX/XXXX to confirm receipt of form and the person I spoke with said that if I bring the acct current ( just over {$900.00} ), I would be removed from the acct! This was a surprise, but I quickly complied, making a {$1000.00} pmnt. FNB told me to wait until Mon., XX/XX/XXXX for my pmnt to post. So, I called XX/XX/XXXX and they confirmed it had indeed posted. I asked to be removed from acct asap and they said they'd have to have someone else call me back with that answer. I then proceeded with releasing a home inspector for {$320.00}, thinking I was in good standing to qualify for my mortgage. On XX/XX/XXXX, XXXX w/FNB called to inform me that I could not be removed because my ex 's credit score wasn't high enough. I explained what I'd been told on XX/XX/XXXX, so she put me on hold while she listened to that recorded conversation then proceeded to tell me she'd send my case to their President 's office for further review since I'd been given " mis-information '' that she indeed heard in that XX/XX/XXXX recorded conversation. Essentially, I was given misinformation on XX/XX/XXXX and XXXX herself confirmed that to me in my conversation with her. XXXX also asked that I email her my entire Divorce Decree that shows the effective date of XX/XX/XXXX. So, then I waited. I placed several calls to FNB seeking an answer and instead received delay after delay from no less than three FNB employees, with whom I'd have to repeat my entire story. My most recent call to them on XXXX ultimately yielded a final answer of " NO, I can not be removed from the acct '', despite my paying {$1000.00} under false pretenses. I in fact held up my end of their deal and FNB did not. I even mentioned " deceptive collection practices '' and that I brought the acct current under " false pretenses '', but they didn't seem to be phased or to care. I spent {$1000.00} in the expectation I'd be removed from the account, plus another {$320.00} to have a house that I now can not buy, inspected. FNB Omaha is misleading and more importantly, dishonest, and others need to know.
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

2019-02-06

Indianapolis, IN

Fees or interest

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

Charged too much interest
Complaint: My complaint is with the First National Bank of Omaha, XXXX XXXX XXXX XXXX Nebraska XXXX. I have a credit card issued by First National for which I paid the full statement balance for the statement ending XXXX XXXX 2018 prior to the due date of XXXX XXXX 2018. Interest in the amount of {$15.00} was applied to the statement ending XXXX XXXX 2018. After looking at the statement ending XXXX XXXX 2018, I called First National on four separate occasions to clarify the interest charge and request that it be removed. I requested for a letter from First National with an explanation ( including calculations of the balance amount, days of interest and interest rate ) showing how the interest charge of {$15.00} was determined. I have not received such a letter, just a generic users agreement. During one of the calls to First National, I was informed a " Tail End Interest Policy '' allowed them to apply the interest to the statement ending XXXX XXXX 2018. The " Tail End Interest Policy '' is essentially applying interest over two statement periods. If XXXX XXXX is permitted to apply interest over two statement periods, their credit card customers should be able to pay their statements ( without penalty ) once every two months! Even if I agreed to the terms of the " Tail End Interest Policy '' in the user agreement without realizing it, the interest charge of {$15.00} was applied for a unpaid balance of {$28.00} on the statement ending XXXX XXXX 2018!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-05

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: Closed with explanation

Timely Response

2019-02-05

Pinellas Park, FL

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

Timely Response

2019-01-29

Hi Vista, CA

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
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

2019-01-26

Flushing, NY

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

Timely Response

2019-01-26

Elyria, OH

Problem when making payments

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

Problem during payment process
Complaint: Before the end of 2018, them my fianc and I changed, partly due to my identity was stolen and issues with our bank which is another story. So when I set up the auto pay feature on this account because we have two accounts with our bank, I mistakingly flubbed up the account numbers and I got them confused so I bit some pieces from each account number in the other one and it took a month or two to figure out why the payments werent going through, which leads me to now, twice in XXXX I called and we figured out that the account number was one digit off I was told that it was changed in the auto pay, and I was good to go, so the auto pay happens does not make the total minimum amount due only pays XXXX dollars when it shouldve been XXXX and I had been trying for at least two months to call and change the account number from the payment account and I was told it was done hum, and then the payment still werent going through, that disable the auto pay without being told it was XXXX therefore it wasnt automatically making payments, - I call just several days ago and still have not heard anything back of whats going on and now that you have marked our credit report as delinquent and they are the ones flubbing it up now - It is not our fault that the auto pay did not work as it should - What sport the original phone call was I tried to make a payment online and it wouldnt let me I have a screenshot of that as well that I will include
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-25

Beyersville, TX

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

2019-01-25

Flushing, NY

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

Timely Response

2019-01-25

Flushing, NY

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

Timely Response

2019-01-24

Glendale, CA

Closing your account

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

Company closed your account
Complaint: Dear CFPB I am writing to assist me to reopen my credit card that was closed what card issuer claims due to returned mail and not verified address. I applied this card 2011 and since then i did not change my address. I called card issuer was told that mail was returned and its flagged by system and they couldn't deliver my new card when old one expired. Card issuer had my email address and my phone number and i did not receive any phone call or any email from them that they can not deliver my new card. I never changed my address i can only guess mail returned only because maybe usps delivery guy made mistake and couldn't deliver it properly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-24

Flushing, NY

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

Timely Response

2019-01-23

Bellaire, TX

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

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

Timely Response

2019-01-22

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-01-21

Elkins Park, PA

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: I had a visa credit card account with First National Bank of Omaha. I could only access the account and received statements for the account online via website with login credentials. I lost those credentials in XX/XX/2018 and since then have not been able to access the account. In mid-XX/XX/2018 I received notice of civil action from the county court of PA stating that another company XXXX XXXX XXXX XXXX is suing me for what they allege to be the balance of that cc account. I do not know nor have ever done any business with XXXX XXXX XXXX XXXX. When I contacted the First National Bank of Omaha, mid-XX/XX/XXXX, to resolve the account they said the account was already sold and they could not provide any further information. Both First National Bank of Omaha, and XXXX XXXX XXXX XXXX failed to notify me of the outstanding balance or the sale. Neither First National Bank of Omaha, nor XXXX XXXX XXXX XXXX contacted me otherwise regarding the outstanding balance or the sale. The civil complaint is the first notice of this outstanding debt. Additionally, XXXX XXXX XXXX XXXX is attempting to include their court costs and fees to the alleged outstanding balance. I did not authorize First National Bank of Omaha to sell my personal information to XXXX XXXX XXXX XXXX or any other company. First National Bank of Omaha should have contacted me before selling the debt and allowed me the opportunity to resolve the debt. I would like to resolve this matter without additional or unnecessary costs, and without unfair legal proceedings or reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-21

Houston, TX

Incorrect information on your report

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

Account status incorrect
Complaint: First National Bank of Omaha, allowed a person to open a secured credit card, with the deposit from another a 3rd persons checking account. Without verifying where the deposit was coming from, never requesting a copy of my DL, SS Card, or banking records. At that time of my life, I didn't even have a Checking Account or Savings Account. I have sent them in a affidavit, police report yet they will not remove if from my records. Yet on XX/XX/XXXX they removed/deleted from my XXXX FILE and on XX/XX/XXXX removed/deleted from XXXX FILE, yet want to allow XXXX and XXXX to keep it on file. So it seems like a 50/50 draw. 50 percent there saying its mine, 50 % its not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-21

Burbank, CA

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: I have a Travel Elite Card with First National Bank of Omaha ( FNBO ) which is serviced through XXXX XXXX. The Travel Elite credit card has a travel benefit that reimburses {$100.00} for discretionary airline spending ( airline upgrades, food, airport lounges, itinerary changes ) for every calendar year. In XX/XX/XXXX I paid for a seat upgrade on a common airline carrier and expected that I would receive a reimbursement for the remaining discretionary airline spending that I still had left in my account. I first called FNBO in mid-XX/XX/XXXX and was told that I would be receiving the reimbursement in two weeks, then I called again in early XX/XX/XXXX and the same thing was said. I finally made a formal complaint on XX/XX/XXXX or XX/XX/XXXX after MANY customer service calls to FNBO and XXXX XXXX. The last customer representative I have been emailing is XXXX XXXX with XXXX XXXX XXXX XXXX ( XXXX XXXX ) and he informed me that I would get the credit " soon ''. The story is the same, after many calls to customer service on both ends I still have not received a dime. It has been almost or about three months since this issue began. I just want to move on and put this issue behind me. I hope I have provided enough information. Thank you very much to the CFPB and your agents for your help and your continued service. Please have a good day!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-21

NJ

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: I WAS CHARGED ON MY ON MY VISA CREDIT CARD FOR SOMETHING THAT I DID NOT AUTHORIZE ON XX/XX/09 FOR XXXX .. I CALLED VISA SEVERAL TIMES IN XX/XX/2009 WHEN THE CHARGE WAS ON MY STATEMENTS AND THEY NEVER DID ANYTHING TO HELP ME. I HAVE BEEN CALLING IN TO THEM EVER SINCE AND THEY ARE NOW TELLING ME THAT THE CHARGE IS TOO OLD AND THEY CANT HELP ME. I DONT UNDERSTAND HOW THEY CANT WHEN THEY SHOULD HAVE IT DOCUMENTED THAT I HAVE CALLED IN THE PAST AND THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO NOW. I SPOKE WITH A REP NAME XXXX XXXX XXXX XXXX AND SHE WOULD NOT PUT ME TO THE MANAGER BUT JUST KEPT SAYING THAT THEY CANT HELP ME.. SHE WAS VERY NASTY ALONG WITH THE OTHER REPS I SPOKE TO. THIS IS MONEY THAT WAS TAKEN OUT OF MY ACCOUNT WITHOUT MY CONSENT. PLEASE HELP ME TO GET THIS MONEY BACK. I LIVE ON A FIXED INCOME AND CANT AFFORD TO JUST LET THIS MONEY GO. I HAVE BEEN PAYING MY BILL AND IM SURE THE BALANCE FOR THIS TRANSACTION HAS BEEN PAID BY NOW BUT I COULDNT JUST LET IT GO THAT WOULD BE ON MY CREDIT AND I DO NOT JUST LET BILLS GO TO GET A POOR CREDIT REPORT. IM SURE YOU UNDERSTAND THAT BECAUSE VISA DOES NOT. PLEASE HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-18

Urb Jose Delgado, PR

Other features, terms, or problems

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

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

Timely Response

2019-01-15

Douglasville, GA

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

Timely Response

2019-01-14

Mansfield, TX

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-08

Chapel Hill, NC

Other features, terms, or problems

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

Credit card company forcing arbitration
Complaint: The First National Bank of Omaha card agreement requires me and the bank to resolve all disputes through only the XXXX XXXX XXXX ( " XXXX '' ). A dispute arose between me and the bank. I filed a case with XXXX. XXXX sent me the attached letter, declining to administer the case because First National Bank of Omaha has a history of failing to pay XXXX. As of today, First National Bank of Omaha continues to list arbitration through XXXX in their card agreement. Clearly, they have no intention of arbitrating when a dispute arises.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-08

IN

Problem when making payments

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

Problem during payment process
Complaint: I made a payment on XX/XX/2018 of XXXX dollars. When I submitted the payment the screen went blank I didn't get a confirmation number and didn't think much of it at the time. About 2 or 3 weeks later I got a letter saying my account was closed due to failure to pay the same day I was getting phone calls from a number I didn't know. These calls would leave a blank message and would happen 8 to 12 times a day. I answer one and was told my account was past due and that a payment needed made. I told the lady that I already made a payment and i didn't understand why my account was closed. She told me to send the bank statement with proof that I paid. I went online and printed out a payment made to them by my bank on XX/XX/XXXX. I sent it with a letter saying to fix it and to stop calling me. The calls dwindled off about XX/XX/XXXX with only 3 being made with blank messages. I then got a letter saying the would do some more research into the information I provided them. I then got a letter saying that they needed a 15 digit number from my bank. I went to my bank and asked them about it and the lady at the counter looked at me dumbfounded and said she never heard of such a thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-07

Anchorage, AK

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

Timely Response