FIRST NATIONAL BANK OF OMAHA

2019-01-04

Chicago, IL

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-26

Lithonia, GA

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-21

Itasca, IL

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2018-12-20

Spring Hill, FL

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: XX/XX/2018 : Forged check showing issue date of XX/XX/2018 and made payable to XXXX XXXX XXXX in the amount of {$2300.00}. The forged check has the earmarks of a washed check as the signature appears to be my signature as does the memo line writing of vehicle fees. The rest of the information on the check is in a separate handwriting. The forgery was discovered by my wife while reviewing bank transactions on the same date. XXXX XXXX, Personal Banker with First National Bank, XXXX XXXX Branch, NMLS XXXX, XXXX XXXX XXXX, XXXX, CO XXXX, was immediately notified of the forged check. Ms . XXXX reported that her bank would contact the bank which the check was presented to and notify them of the forgery. I learned today that the receiving bank, XXXX XXXX, was not notified until XX/XX/2018. This notification was initiated upon my notifying XXXX XXXX that I had been contacted by XXXX XXXX of XXXX XXXX XXXX, XXXX, GA branch that a man was attempting to withdraw funds from his account that originated from a suspicious check. I informed Ms. XXXX that I had reported this to my bank as a forgery on XX/XX/2018. Ms. XXXX notified the XXXX County Sheriff 's Office as the subject was still in the bank. I had contacted the XXXX Police Department on XX/XX/2018 and notified them of the Forgery. A report was initiated by XXXX XXXX. This information along with the XXXX Police Department case number of XXXX was provided to XXXX XXXX. XX/XX/2018, Investigator XXXX of XXXX sent me an email stating she is still waiting for First National Bank to respond to her request for information on where and how the check was deposited. On XX/XX/2018, I was contacted by XXXX XXXX of XXXX XXXX regarding the check I had reported as a forgery to First National Bank. She stated the individual was currently in the bank trying to withdraw the funds. I told her the check was a washed check and that it was a forgery. She notified the XXXX County Sheriffs Office. It is my understanding ; XXXX XXXX froze the account and did not allow the suspect to withdraw the funds. I was provided the XXXX County case report number. Investigator XXXX XXXX of the XXXX County Sheriff 's Office, Georgia is the assigned investigator. HIs case number is XXXX. He stated to me that he had requested documents from XXXX XXXX XXXX to include video of the initial depositing of the check. He learned the check was deposited into the account via mobile deposit. The amount of my loss is {$2300.00} and the funds have not been returned to me. First National Bank stated they had sent requests for return of the funds on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. They said it is not their responsibility to return the funds. They failed to timely notify XXXX XXXX of the reported forgery, even though they were aware of the forgery on the same date it occurred. XXXX XXXX reportedly had froze the funds in the account, yet no one is returning my money. Based on my 40 years of XXXX XXXX experience in investigating similar frauds, I find the actions of these two banks to be in violation of due diligence, particularly since the " washed '' check was mobile deposited which requires a special responsibility of banks to examine the document for watermarks and authenticity. IN addition First National Bank would have been required to immediately contact XXXX XXXX of the forgery to protect my funds, which was not done. Respectfully, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-12-15

Chapel Hill, NC

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2018-12-14

Brighton, UT

Closing on a mortgage

Mortgage: Home equity loan or line of credit (HELOC)

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

Timely Response

2018-12-11

E Strodsburg, PA

Fees or interest

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

Charged too much interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-12-08

Houston, TX

Identity theft protection or other monitoring services

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

Problem canceling credit monitoring or identify theft protection service
Complaint: I tried to apply for a credit card through my bank XXXX XXXX and was denied on XX/XX/2018 due to insufficient credit file I also tried to apply for an apartment at XXXX XXXX XXXX XXXX Texas and was also denied because a flag is on my credit fraud protection with XXXX. I tried several times to contact XXXX and try to resolve this matter for I did not put this on my credit and it's causing me not to be able to apply for things I did to dispute a matter which was fraud use on my credit they completed that dispute and just dismissed it off my credit but they also added a fraud protection which I did not ask for and I am not able to apply for things that I need to apply for and I'm being denied from companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-04

Hazle Township, PA

Other features, terms, or problems

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

Other problem
Complaint: I open a secure credit card with my bank, and they tell me that in 11 months if i pay ontime, and user the card o basic, in 11 months i will a credit encrease and my deposit wil refunde to me, with interes, that i will have a unsecure card for the good use of the secure creditcard, so i contact the bank todady to find when i will get the desposit back and whn my creditcard will have a credit limit encrease, and this is what the bank tell me : XXXX XXXX XXXX on the chat with the bank : XX/XX/18 XXXX XXXX XXXX XXXX. Dear XXXX : This is disclosed in the Deposit Agreement. We regret if you were provided with incorrect information. We upgrade secured accounts to unsecured accounts through an automated process. You do not need to do anything on your part. You will be notified by mail if your secured account is upgraded to an unsecured account. If you have any further questions, please do not hesitate to contact us at XXXX or send us an email. Sincerely, XXXX XXXX. Customer Care Senior Specialist XX/XX/18 XXXX XXXX XXXX XXXX XXXX Your deposit has been placed into a reserve savings account where it will stay until you close the account, or the account is upgraded to an unsecured credit card. " '' '' I know this, when i open the account the bank tell me, that after 11 months the money will wil be send back to me or i will be unsecured credit card. They never tell me my deposit will been placed into a reserve savings account. XX/XX/18 XXXX XXXX XXXX XXXX. Dear XXXX : Thank you for contacting XXXX XXXX. Your deposit has been placed into a reserve savings account where it will stay until you close the account, or the account is upgraded to an unsecured credit card. You can request a credit limit increase and add to your deposit online. After you have logged into the account, click on the credit limit increase request link. Please fill out the form, and submit it online. You will need to provide requested credit limit and deposit amount, as well as the funding account information including bank routing number, bank account number and account type. It takes 7-10 days to see the increased limit in approved cases. If you need further assistance, please contact us at XXXX or send us an email.Sincerely, XXXX XXXX. Customer Care Senior Specialist XX/XX/18 XXXX XXXX XXXX XXXX XXXX When i can ask for refund deposit or credit increase base on terms of the account. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-02

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

2018-11-29

AZ

Incorrect information on your report

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

Account status incorrect
Complaint: XXXX indicated an 'alert ' message on one of my credit cards showing my Credit Score had gone down. In reviewing my credit report from XXXX on XX/XX/2018 I noted a report called FNB OMAHA # XXXX with a balance and delinquent charge of {$47.00}. I have no idea what this is about nor have I received any information from FNB OMAHA. This account must belong to someone else or my own account has been hacked. Please help me to resolve this issue. Thanks so much. Let me know what I need to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-28

TX

Problem when making payments

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

Problem during payment process
Complaint: I have paid this account regularly for years, however the XX/XX/2018 bill was credited with both the XX/XX/XXXX and XX/XX/XXXX payment. I caught this situation and contacted the XXXX XXXX XXXX XXXX to see if they would remove the fee charged on the XX/XX/XXXX bill. I also expected the bank to Credit the XX/XX/XXXX payment to the XX/XX/XXXX bill, past practice has always allowed this re-credit and I had no reason to think they would not do what had been done in the past. The XXXX XXXX XXXX dropped the initial fee, however they neglected to reassign the payments as they were intended. Now my credit has been muddied and there have been threatening letters accusing me of being behind in payments. I am retired and on a tight budget, so the additional money The XXXX XXXX XXXX has requested would have to come from savings. I have made every payment as per our past three years of the account and believe the Bank has singled me out without cause. The XXXX XXXX XXXX has demanded an extra payment and added {$70.00} in fees that I believe are unfair to me and my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-28

South Florida, FL

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 has been non-compliant with removing the unverified account FNB OMAHA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FNB OMAHA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation

Timely Response

2018-11-25

Sacramento, CA

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

2018-11-21

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-11-21

Moodus, CT

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2018-11-20

Abram, TX

Took or threatened to take negative or legal action

Debt collection: Credit card 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

Timely Response

2018-11-19

Lenexa, KS

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-11-17

Ridley Park, PA

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: Card number was taken without my permission and used to make purchases electronically in excess of {$16000.00} in XX/XX/2018. No attempts were made by the bank to flag or stop these unauthorized charges, and at no point was I contacted to confirm or deny the validity of these charges. It wasnt until I recieved my statement that I became aware of this fraud. I immediately disputed all charges with the bank and closed the account. I still recieved bills after the account was disputed and my credited has been adversely reflected due to this delinquent account. I have reached out to the banks fraud department countless time throughout XXXX, XXXX, XXXX, and XXXX and have gotten no results. I filed a police report in XXXX and forwarded to the fraud department for their records. I did not authorize these charges and should not be responsible for this debt under the Fair Credit Billing Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-16

San Buenaventura, 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

Timely Response

2018-11-14

Las Vegas, NV

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2018-11-05

Sm, KS

Problem when making payments

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

Problem during payment process
Complaint: Paid by phone as I have for 20 years received confirmation then notice by mail payment rejected same bank 20 years. Call customer service big joke no answer late charges hike interest rate. Really? Are there laws protecting consumers? This is 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

2018-11-02

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 explanation

Timely Response

2018-11-01

Lewisville, TX

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Complaint: I have been a customer in good standing with first national bank of Omaha for over 10 years and as of XX/XX/2018, they decreased my credit limit by over {$9000.00} with no viable explanations. This has increased my average balance vs available credit to 53 % and has dropped my score significantly. They cant explain why they have done this but they will not offer a solution. I am a single woman and I am just trying to make ends meet and creditors like this make it hard. I have paid this company on time every month for the past 10 years with only one slow pay which was taken care of immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-01

Omaha, NE

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: This problem has occurred over 2years. First National Bank of Omaha charged me several overdraft fees. I contacted them about the problem over the phone and advised them a First National Bank in another state was sued over deceptive accounting practices they were utilizing and they in turn made changes to my account that I never authorized. They sent me a few letters that were very insulting. They took away my overdraft protection and put send items back against my wishes. I checked my online account almost daily. They would hold transactions for weeks and then post them all at once in any order in which they chose. They accused me of being the reason my account was overdrawn, but they would alter my records and make it nearly impossible to keep up. There were a couple of times I tried to close my account and they made excuses why I couldn't close my account and then went back on it later saying they never said that. I finally changed banks and have only overdrafted once. That tells me that I'm not the 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