ComplaintsforFirst National Bank of Omaha (FNBO)

• Initial Complaint

  02/19/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  i used it the first time card and they charged me a late payment fee for buying lottery tickets. they said because I can win the lottery. not fair business.scam

  

  Business response

  03/28/2022

  Business Response /* (1000, 5, 2022/03/01) */ March 1, 2022 As you requested, we addressed this matter directly with Zsolt ***** on March 1, 2022 by way of letter. The customer should receive the letter in the next 7-10 business days. However, in the interest of protecting our customer's confidentiality, we are unable to provide you with the details of our letter. If you would like further details, please contact Zsolt ***** directly. Please let us know if you have any questions regarding the resolution of our inquiry and thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  02/08/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Opened a new account with fnbo and upon using my card , I was contacted by the fraud department several times to confirm transactions which is fine. I logged onto my account on 2/7/22 and it said no account available so I called the number on the back of my card , it was the fraud department again **************, unacceptable. He told me that I have to go to a bank and have a banker call him (Wil) and verify my identity. This sounds like a personal issue. I have verified enough. If you want a payment on the account put your fraud department in check and restore my account so I can set up online payments. I previously verified that it is my account and if this isn't good enough sorry for you but this is more of like harassing me. I want my account restored. I'm not going into a bank explaining how stupid this sounds. ( not even their problem to begin with) .

  

  Business response

  03/02/2022

  Business Response /* (1000, 5, 2022/02/17) */ February 17, 2022 As you requested, we addressed this matter directly with Mary **** on February 17, 2022 by way of letter. The customer should receive the letter in the next 7-10 business days. However, in the interest of protecting our customer's confidentiality, we are unable to provide you with the details of our letter. If you would like further details, please contact Mary **** directly. Please let us know if you have any questions regarding the resolution of our inquiry and thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  01/23/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I had a credit card with First National Bank with a $***** credit limit. Upon paying down my balance to $****, the bank closed my account for absolutely no reason. Never late, never a problem on this account at all. This action is now reflecting negatively on my credit bureau. I called the bank and ask if they can stop showing as a closed account and allow it to remain open (even if it is without charging ability) in order to not negatively reflect and hurt my credit rating. They would not even return my call. *******************************************************

  

  Business response

  02/21/2022

  Business Response /* (1000, 5, 2022/02/01) */ February 1, 2022 As you requested, we addressed this matter directly with Russell ***** on February 1, 2022 by way of letter. The customer should receive the letter in the next 7-10 business days. However, in the interest of protecting our customer's confidentiality, we are unable to provide you with the details of our letter. If you would like further details, please contact Russell ***** directly. Please let us know if you have any questions regarding the resolution of our inquiry and thank you for taking the time to bring this matter to our attention. Consumer Response /* (3000, 7, 2022/02/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) The letter received did not state a reason as to why the account (which was maintained in perfect standing) was closed and due to this action, it is harming our credit by having negative impact. Business Response /* (4000, 9, 2022/02/08) */ February 8, 2022 As you requested, we addressed this matter directly with Russell ***** on February 8, 2022 by way of letter. The customer should receive the letter in the next 7-10 business days. However, in the interest of protecting our customer's confidentiality, we are unable to provide you with the details of our letter. If you would like further details, please contact Russell ***** directly. Please let us know if you have any questions regarding the resolution of our inquiry and thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  01/21/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Before I signed up for FNBO services I was told I can make credit card purchases for 6 months interest free. After 6 months the interest rate would be *****%. on future purchases. What they didn't tell me was if I still had a balance from those purchases made, after the 6 month period, that balance would also be charged *****%. So when I tried to pay it off before the 6 month period had ended, they refused to put my payment towards my balance, just so they could continue to charge me the *****% interest rate. I feel like I'm a victim of false advertisement and would like my bill adjusted accordingly.

  

  Business response

  02/07/2022

  Business Response /* (1000, 5, 2022/01/27) */ January 27, 2022 As you requested, we addressed this matter directly with David ******* on January 27, 2022 by way of letter. The customer should receive the letter in the next 7-10 business days. However, in the interest of protecting our customer's confidentiality, we are unable to provide you with the details of our letter. If you would like further details, please contact David ******* directly. Please let us know if you have any questions regarding the resolution of our inquiry and thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  01/11/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I got FNBO business ********* credit card. I made some purchase of gift cards and my card was locked after that. FNBO asked my to send notarized documents and I did. They unlocked my card after receving my documents and I can use it. But, after several days later they closed my account sliently.

  

  Business response

  02/03/2022

  Business Response /* (1000, 5, 2022/01/20) */ January 20, 2022 As you requested, we addressed this matter directly with January 20, 2022 on Yunyan ** by way of letter. The customer should receive the letter in the next 7-10 business days. However, in the interest of protecting our customer's confidentiality, we are unable to provide you with the details of our letter. If you would like further details, please contact Yunyan ** directly. Please let us know if you have any questions regarding the resolution of our inquiry and thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  01/08/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  First National Bank of Omaha continues to violate my consumer protected rights under the FCRA. They have denied my right to privacy by furnishing my non public information to non affiliated third parties without allowing me the choice to opt out. Their company policy does not trump Federal Law specifically designed to protect me, the consumer. I have tried to remedy this multiple times in order to avoid further escalation. Their unwillingness to honor my rights as a consumer is fraudulent and at this point purposeful. I simply want them to follow Federal Law and allow me to opt out of having my consumer credit transaction information reported to non affiliated third parties. This is clearly stated in 15 U.S.C. 6802.(b)(1)(B) and does not qualify for Exemption.

  

  Business response

  02/01/2022

  Business Response /* (1000, 5, 2022/01/13) */ January 13, 2022 As you requested, we addressed this matter directly with Patrick ****** on January 13, 2022 by way of letter. The customer should receive the letter in the next 7-10 business days. However, in the interest of protecting our customer's confidentiality, we are unable to provide you with the details of our letter. If you would like further details, please contact Patrick ****** directly. Please let us know if you have any questions regarding the resolution of our inquiry and thank you for taking the time to bring this matter to our attention. Consumer Response /* (3000, 7, 2022/01/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) Their letter continues to put their company policy in regards to information sharing above Federal Law. They show no desire to value my business as a customer, nor honor my rights to privacy as a consumer with Federal protection. FNBO's multiple violations of Federal Law are punishable under Civil Liability in the FCRA. I will continue to escalate this until I receive the desired and rightful outcome pursuant to the FCRA. Business Response /* (4000, 9, 2022/01/20) */ January 20, 2022 As you requested, we addressed this matter directly with Patrick ****** on January 20, 2022 by way of letter. The customer should receive the letter in the next 7-10 business days. However, in the interest of protecting our customer's confidentiality, we are unable to provide you with the details of our letter. If you would like further details, please contact Patrick ****** directly. Please let us know if you have any questions regarding the resolution of our inquiry and thank you for taking the time to bring this matter to our attention. Consumer Response /* (4200, 11, 2022/01/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) FNBO continues to ignore the basic principles of Federal Law that I have clearly pointed out and they are violating. Their indifference to my request and their responsibilities and legal obligation to me, (the consumer) is not only insulting but willful and criminal.

• Initial Complaint

  12/31/2021

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I opened up a new business credit card account with First National Bank of Omaha. It was there ********* credit card that came with a promotion that when I spend at least $**** within three billing cycles i will receive a$*** bonus reward. I have now reached that milestone and contacted the bank and they are saying I do not have that promotion, yet that promotion flashed on my screen once I was logged in reminding me of it. This is a bait and switch. I'm asking for the bank to please issue that credit rebate and provide me a contact for the bank. Please have them supplied their direct contact information, name, phone number, and email address as well as the times they are available. I would also like them to provide their U.S. banking regulators name and license number with that regulator. If this complaint does not go well, I will file a complaint with this US banking regulator. Thank you and have a nice day! What

  

  Business response

  01/28/2022

  Business Response /* (1000, 5, 2022/01/11) */ January 11, 2022 As you requested, we addressed this matter directly with Christian ****** on January 11, 2022 by way of letter. The customer should receive the letter in the next 7-10 business days. However, in the interest of protecting our customer's confidentiality, we are unable to provide you with the details of our letter. If you would like further details, please contact Christian ****** directly. Please let us know if you have any questions regarding the resolution of our inquiry and thank you for taking the time to bring this matter to our attention

• Initial Complaint

  12/27/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  FNBO will not speak to me about my account until I meet their requirements. I have been instructed by FNBO to go to any random bank to have a teller verify that I am Christina *******. Or I can go to my town hall and have my identity verified by a notary public in order to gain access to my own credit card account. This was all due to the fact that FNBO would not accept the code they had sent to me because my phone is a VOIP cell phone. I know this is unlawful under the FCRA which FNBO denies. They have responded to the CFPB that is was due to other security measures, but provided no information as to what security measures. They have the audacity to send me a bill to pay on an account I can not access with a so called security issue. ****************************************************** They have even gone so far as to request personal financial information from me. What they request their customers to do is humiliating and degrading. The bank managers were concerned I was being scammed , and wanted nothing to do with the situation. Will the BBB get to the bottom of FNBO's actions or should I reach out to lawmakers like ****************?

  

  Business response

  01/28/2022

  Business Response /* (1000, 5, 2022/01/11) */ January 11, 2022 As you requested, we addressed this matter directly with Christina ******* on January 11, 2022 by way of letter. The customer should receive the letter in the next 7-10 business days. However, in the interest of protecting our customer's confidentiality, we are unable to provide you with the details of our letter. If you would like further details, please contact Christina ******* directly. Please let us know if you have any questions regarding the resolution of our inquiry and thank you for taking the time to bring this matter to our attention. Consumer Response /* (3000, 7, 2022/01/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) The letter I received from FNBO stated in order to verify me that I must go to any random bank,and provide them with ID credentials. Furthermore, the random bank(s) would then call FNBO to identify that I am Christina *******. I followed up with the *********** Department of Banking,and unfortunately FNBO is not a state charted bank it is out of the DOB's hands. Moreover, because FNBO is unregulated they can make their rules up as they choose. This week I will be notifying their state headquaters Attorney General & DOB, Also I will notify my own state Senators; ****************** & ****************. Lastly, I will be filing a complaint with the Office of the Comptroller of the Currency. What FNBO is requesting I do can not,and will not be done by any bank. They want no involvement with this matter,and are under no obligation to comply. I will not be providing FNBO with any other personal information of mine. I even sent a money order for payment,because of my lack of trust in their business conduct. A point worth mentioning, how is it legal to demand payment from Christina ******* while making the claim Christina ******* has not been verified, and denying me all access to the account? ******************************************************************************************* Business Response /* (4000, 9, 2022/01/20) */ January 20, 2022 As you requested, we addressed this matter directly with Christina ******* on January 20, 2022 by way of letter. The customer should receive the letter in the next 7-10 business days. However, in the interest of protecting our customer's confidentiality, we are unable to provide you with the details of our letter. If you would like further details, please contact Christina ******* directly. Please let us know if you have any questions regarding the resolution of our inquiry and thank you for taking the time to bring this matter to our attention Consumer Response /* (4200, 11, 2022/01/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have since this complaint on a recorded line with My ******** bank **** & FNBO have saved 2 days worth of phone calls with numerous reps. Today in fact was one day & yesterday Jan-19th in which FNBO will not verify me & are being deceptive engaging in unfair practices. I have the calls I am confident will support my claims as well as all the various entities I have gone thru. The BBB, the CFPB now the OCC my D.O.B & so much more! Challenge accepted, why do the unregulated become regulated?

• Initial Complaint

  12/27/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I applied for a business credit card. It was unclear if the 20,000pts/$*** bonus offer was attached to my application. I called to verify that. The phone rep specifically promised that if the bonus did not get properly attached, that all I had to do was call in, and they would add it with no issue. I was skeptical of the ease of the process, so I requested that the rep add a note to my account about promising the bonus, so there would be no confusion in the future. Well, I met the terms of the bonus, but did not receive it. Called in. FNBO didn't want to grant the bonus as promised. Asked me to email a screenshot of the offer -- which I did. Apparently someone ignored the proof and ignore the note on the account and denied the request without ever telling me. When I spoke to various reps on 12-27, each of them acknowledged the note on the account promising the bonus -- but said it didn't matter -- that FNBO was not going to honor their promise. That is flat out deceptive and fraudulent to mislead a loyal customer like that. The bonus offer only required ** spend. I put nearly *** spend on the card. WAY above & beyond. But FNBO apparently does not value my business and multiple reps think it's OK for them to not honor the promise made to me that they all admit is clearly noted on my account.

  

  Business response

  01/28/2022

  Business Response /* (1000, 5, 2022/01/13) */ January 13, 2022 As you requested, we addressed this matter directly with Sarah ********* on January 13, 2022 by way of letter. The customer should receive the letter in the next 7-10 business days. However, in the interest of protecting our customer's confidentiality, we are unable to provide you with the details of our letter. If you would like further details, please contact Sarah ********* directly. Please let us know if you have any questions regarding the resolution of our inquiry and thank you for taking the time to bring this matter to our attention.

• Initial Complaint

  12/17/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had a successful relationship with First National Bank Omaha in the NEA Benefits program until September 2021. I had received a statement on August 2, 2021, indicating a a zero balance (statement included), which made sense because I had paid them. At the end of August, the bank notified me that a payment had gone through. So I paid them again, with the possibility that could have happened. First National Bank of Omaha, collections kept calling me that I owed them money and I was late. This made no sense. In September, I. became suspicious and spoke with a number of people who wanted documentation. I asked my bank ************* (this is the bank that I had used along) to verify the payments. They send me documentation (attached). I wrote a letter of dispute using the procedures with the documentation (letter included, documentation also included). First National Bank collection kept calling. I kept sending documentation, I have 12 faxed cover sheets from *************** with my follow-up documentation and support (available upon request). First National Bank is now saying they are not able to account for payments On December 22, 2021, National Bank stated they were sending me the Credit Agencies for none payment. First National Bank of Omaha has accepted electronic payments and payments by phone from the beginning. Now First National Bank of Omaha has told me that they are not able to track electronic payments. ************* (my bank ) has been sending electronic payments all along. ************* has now sent another form of electronic payment verification, which has was faxed on 12/16/22, to First National Bank.

  

  Business response

  01/17/2022

  Business Response /* (1000, 5, 2021/12/30) */ December 30, 2021 As you requested, we addressed this matter directly with Brenda ****** on December 30, 2021 by way of letter. The customer should receive the letter in the next 7-10 business days. However, in the interest of protecting our customer's confidentiality, we are unable to provide you with the details of our letter. If you would like further details, please contact Brenda ****** directly. Please let us know if you have any questions regarding the resolution of our inquiry and thank you for taking the time to bring this matter to our attention

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩