ComplaintsforFirst National Bank of Omaha (FNBO)

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Initial Complaint
03/17/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
On December 1, 2023, Chei Flores (from International Marketing Team) had given me a comp stay (Terrace One Bedroom - Fountain View) ************ * ***** at Cosmopolitan from 12/26/23 - 12/31/23, totally $2443.33 (Room charge $2155 plus tax $288.33). I never agreed to this charges as it was agreed upon that this is comp. If I was not given comp, I would of never stayed there. I have forwarded all email communications between **** ****** & myself to FNBO as prove this was a comp with no agreement of any sort of charges or payments. FNBO failed to research into this matter since January 1, 2024.
Business response
04/02/2024
April 2, 2024
As you requested, we addressed this matter directly with ***** ** on April 2, 2024, 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 ***** ** 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.

Customer response
04/03/2024

********** ********

I am rejecting this response because:
I was clearly given a complimentary 4 nights to stay at the ************ ****** ******* * ****** from December 26th - 31st. However, after the 2nd night, my gambling action wasn’t enough for the gaming the casino wanted so they started pressure me by daily charging my credit transactions of unknown agreed upon amount every day totaling over $2,400 and the time of my departure which I’ve never agreed to paid. This is completely wrong of them as I rather be blacklisted but please refund my money back to me as I was promise $0 charges to stay. There is no contract that you must gamble a certain amount for a certain period. This was completely at their discretion to me as the player & them as the host | gaming operators to entice player(s).
********** ***** **
Initial Complaint
03/16/2024
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
FNBO has yet to reply to all three of my request to resolve or rebuttal to their decision to deny my claim of being defrauded by an unknown retailer with fake email addresses and fake purchase order numbers and fake hyperlink of the merchant who has disappeared from online. I'm very concerned about FNBO's fraud denial letter and it seems personal for reasons unknown to me. It spite of being initially denied and labeled by FNBO in a bad manner because of their language, which seems to indicated that I am the wrong doer, yes I'm very concerned about the potential damages they have caused to me, my credit worthiness, etc of the future. I want FNBO to refund me and Remove the denial letter or admit they made a mistake. FNBO has refused to communicate with me, so I am asking for your help please.
Business response
03/21/2024
March 21, 2024

As you requested, we addressed this matter directly with ******** ********** on March 21, 2024 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 ******** ********** 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.
Customer response
03/23/2024
I've not yet received the letter dated March 21 2024 from FNBO, but we will be looking for their response letter. It seems unusual that FNBO would not also send their March 21 response letter to my credit card account with FNBO - they sent their first letter of rejection online as well as paper copy. I cannot yet accept or reject FNBO's response because I see no evidence of a refund, removal of degrading letter of rejection, so please allow me the time to first receive FNBO letter from March 21 2024.
Initial Complaint
03/14/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
On the. Last day of January I called to dispute a charge on my credit card because a merchant did not do a service correctly on my car causing a bigger problem for my vehicle. I end up going to another shop to get it fix correctly. So far is the middle of March. I had called at least 5 times and on 2/29/ I submitted proof via FAX witch they said they did not receive but I can prove they did. Im tired of calling and chasing my own tail. I need this issue taking care ASAP it has been almost 2 months now.
Business response
04/04/2024
April 4, 2024
As you requested, we addressed this matter directly with ***** ********* on April 4, 2024, 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 ***** ********* 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.
Customer response
04/05/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,
***** *********
Initial Complaint
03/12/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
The first national bank of Omaha did not send me a bill or call me stating I had a payment due or even when it became past due. I paid them off in January and they subsequently charged a fee of $22 to my account without notifying me. It then went delinquent according to them and they reported it as such to all 3 credit bureaus making my credit reports nosedive. I still would not have known but I received alerts from the credit bureaus.
Business response
03/26/2024
March 26, 2024
As you requested, we addressed this matter directly with ******** ***** on March 26, 2024 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 ******** ***** 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.
Customer response
03/27/2024

Complaint: ********

I am rejecting this response because:
I have not received the referenced letter and just recently received the bill from them through the U.S. mail. Sending a bill after the 30 days past due deadline plus now wanting me to accept and close the case because their response is in the mail should cause everyone to have concern.
Once I receive their response then I can respond.

Sincerely,

******** *****
Initial Complaint
03/12/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I had FNBO ****** ***** card since 2018 and it provided $100 travel credit each year. I purchased a pet ticket through ****** ******** on 4/24/2022 and FNBO representative would manually apply the credit to this transaction. However, they failed to do so and sent my debt to the collection agency. I do not understand why I should be responsible for FNBO representative's mistake and now I have ~$426.26 debt due to this.
Business response
03/21/2024
March 21, 2024

As you requested, we addressed this matter directly with ********* **** on March 21, 2024 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 ********* **** 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.

Customer response
03/22/2024

Complaint: ********

I am rejecting this response because: I would like the bank to contact me directly via phone ************ ** ***** ********************* to address this issue. I have been working with their representatives multiple times and receive no updates.

Sincerely,
********* ****
Initial Complaint
02/26/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have request an investigation of FNBO on my credit report. the charge-off of obligation with FNBO is incorrect the following is the identifying information of the error, { ******* ******* ***** **** ** ********* ********* *** *** ****}. The creditor misreported my account. 15 U.S. Code 1692e- False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of the any debt. Without limiting the general application of the foregoing, the following conduct is violation of this section. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or cannot be verified, the consumer reporting agency shall- (i) Promptly delete that item of information from the consumer or modify that item of information as appropriate based on result of the reinvestigation
Business response
03/19/2024
March 19, 2024
As you requested, we addressed this matter directly with Ricardo Desravines on March 19, 2024 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 Ricardo Desravines 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.
Customer response
03/20/2024

********** ********

I am rejecting this response because:

I am writing in response to the formal response from First National Bank of Omaha (FNBO) regarding complaint ID *********

I reject the business' response and would like to provide an explanation. I request an investigation of FNBO regarding the charge-off of the obligation on my credit report, as it is incorrect. The identifying information of the error is as follows: Account number ***** Date of incorrect reporting Feb 22, 2024. The creditor misreported my account, which is a violation of the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692e regarding false or misleading representations.

I also want to express that I am opting out of third-party sharing of personal information and transaction history to the public. I request that my account be deleted immediately to protect my rights under consumer protection laws.

Please let me know the next steps in resolving this matter.

********** ******* ********** *** ** **** ** **** ****** ****** ** *****
Business response
03/26/2024
March 26, 2024
As you requested, we addressed this matter directly with Ricardo Desravines on March 26, 2024 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 Ricardo Desravines 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
02/13/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Used the Scheels Visa issued by this bank to purchase a $10 lottery ticket and was charged a $15 fee on 2/6/2024
Business response
02/20/2024
February 20, 2024

As you requested, we addressed this matter directly with ****** ****** on February 20, 2024 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 ****** ****** 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
02/09/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
08/16/2023 I made a deposit of 1000$ into my account at ****** My bank denied that deposit but ***** bank credited my account that money, I then contacted my bank to let my deposit go through and they did. I then contacted ***** support team to inform them of the mistake in my account since it was credited 1,000$ that never went through. Since then they have corrected my balance on January 4th, 2024 but still have my account restricted as to where I cannot with draw funds. They have had limited communication and zero transparency with me during this 9 month ongoing restriction on my account. I've since made another deposit for 50$ on Jan 18, 2024 to see if that would lift the restrictions to no avail. I've contacted ***** Bank through their app and through email with no clear response or without any answers as to when it would be resolved or if I can do anything to help the process. They say its under review by a 3rd party and that said 3rd party would be in contact to properly verify my account and transaction but this has yet to happen. Lastly ***** bank said if the issue was not resolved in 90days the account would be closed it has ben 9months and this issue has not ben resolved or my account closed with my funds returned.
Business response
02/27/2024
February 27, 2024
As you requested, we addressed this matter directly with ******* ******* on February 27, 2024 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 ******* ******* 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.
Customer response
02/27/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,
******* *******
Initial Complaint
01/25/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
01/02/2024 I received a bill from FNBO and it had interest added to a bill already paid off. I called and they could not give a viable explanation of why I was billed the interest. I decided to pay off the card in full and never use the card again. In a few days I checked my account online and it was a $0 balance. I never made another purchase but on 01/22/2024 they billed me $1.75. I called to ask why, and was told they were billing me for lagging interest that had not occurred yet because I had paid the bill in advance. When I called they immediately reimbursed the interest. They were hoping to collect without any questions. I reviewed previous bills and have concluded this is their method of operation. They slip small amounts of interest onto the bills even though it has already been paid off before interest is due and customers pay the illegal interest payments without noticing, Especially if they pay online without having a paper bill to look at. They assured me that the $1.75 would be taken off my account. I told them to close my account because I believed them to be a dishonest company. There is no way to recover previous illegal charges because they were unnoticed at the time of occurrence.
Business response
02/01/2024
February 1, 2024
As you requested, we addressed this matter directly with ***** ******* on February 1, 2024, 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 ***** ******* 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.
Customer response
02/07/2024

Complaint: ********

I am rejecting this response because: What the response amounts to is crooked bookkeeping. I have always paid my bills at the first of the month in full based on what the balance showing on my online account. This method works with all of the other accounts I have but not with FNBO. If you look at my account, you will see that all balances were always paid in full in 30 days or less. This leads me to believe it is simply crooked bookkeeping.

Sincerely,

***** *******
Initial Complaint
01/23/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I had a loan with FNBO. The online account never indicated when payments were received after I had submitted several payments. I opted to pay the account off earlier for fears that payment history would not be reflect properly. I paid the balance off after contact the balance to obtain the payoff amount. The payoff balance was electronically transferred on 12/13/23 of $16,497.34, after a payment was posted on 12/12/23 of 642.91. I logged onto FNBO to view the December statement of 12/12/2023 showing no balance was owed and that there was an over payment of $642.91. I waited hoping that the back would refund the overpayment but this did not happen. I contacted FNBO on 1/9/24 to request a refund and was advised that this will be processed. I logged onto FNBO today and found that the refund has not yet been processed. I contacted FNBO today (1/22/24) to inquire about the refund and was told that it could take 7 days for processing plus mailing time. Why was the refund not generated upon the deposit paying the account off and why did it require me to contact FNBO to request this refund. I am seeking the refund of the balance owed plus interest of this payment from payoff date until the overpayment has been refunded.
Customer response
02/06/2024
In reference to the complaint above. The financial institution has refunded me for the overpayment.Thank you,******* ****
Business response
02/06/2024
February 6, 2024
As you requested, we addressed this matter directly with ******* **** on February 6, 2024 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 ******* **** 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.

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