FIRST NATIONAL BANK OF OMAHA CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
02/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NE
  • 68901
Web
I previously submitted a complaint on XX/XX/XXXX related to the same incident. However, First National Bank of Omaha ( FNBO ) issued a response on XX/XX/XXXX that has led to more troubling issues. I called CFPB regarding these issues and my concern that the complaint was closed. I was told to file an additional complaint regarding these issues. My initial complaint related to my property taxes not being paid even though my mortgage payment increased by {$300.00} sometime after XX/XX/XXXX. FNBO indicated the increase was as a result of my escrow being underfunded due to my property taxes being underestimated. This lead to me having difficulty paying my mortgage ( which can be seen by all the late fees assessed on my account afterwards ). I attempted to refinance with FNBO but was told they were the originators of the initial mortgage so they would not be able to help me refinance. Naturally, after all of this I was shocked to receive a letter from the XXXX County Treasurers Office ( Nebraska ) advising none of my property taxes had been paid in XX/XX/XXXX ( for the XX/XX/XXXX fiscal year ). On XX/XX/XXXX, XXXX XXXX, Manager of Mortgage Servicing at FNBO, provided a response to CFPB related to my initial complaint. XXXX and I had spoken in depth about this case on two separate occasions, once on XX/XX/XXXX and another time on XX/XX/XXXX. I will address my concerns with things said during both of these conversations as well as my concerns related to her response to the initial complaint below. XXXX first addresses a phone call I made on XX/XX/XXXX to inquire about the substantial increase in my mortgage payment. She fails, however, to point out that it was during this call that I said I would not be able to afford the new mortgage payment and would therefore need to refinance. She also fails to point out that I was told by the representative on the Mortgage Servicing Team that they were the originators of the mortgage and therefore would not be able to assist me with a refinance. Now I would assume she got the information she put in the response from their internal system where employees ( call takers ) take notes about the call. XXXX was not privy to this conversation and would not have the first clue as to what was said. What troubles me most isn't just that she left this information out of her response but that I told her during both of our conversations that this was said to me and to this day I still can't understand why they would refuse to help me refinance. So XXXX was aware of this information before writing her response but failed to address it at all. Also while talking about this XX/XX/XXXX phone call, XXXX says I was told the increase in my monthly payment related to an increase of {$1200.00} in my property taxes and an increase of " nearly '' {$700.00} in home owner 's insurance. She goes on to say I was provided with my loan officers name and phone number to contact regarding refinance options. I was never provided with this information, period. Then XXXX says in XX/XX/XXXX my payment increased by {$300.00}. The " tax error, '' which is her way of down playing their mistake, was responsible for {$130.00} of the increase and the remaining {$170.00} was a result of my " actual taxes '' and my insurance increase. Well we know from her that my home owner 's insurance went up by nearly {$700.00} so that equals out to {$58.00} a month over a 12 month period. So the remaining {$110.00} of the increase was from my " actual taxes. '' I have several problems with all of this! First, XXXX told me on XX/XX/XXXX that the company they contract with to pay my property taxes, XXXX, mixed up my parcel and the parcel of another client, XXXX XXXX. She indicated XXXX used my money to pay XXXX XXXX XXXX property taxes and used XXXX XXXX XXXX money to pay my property taxes. Now if this is true ( and I have reason to believe it is not but I will address that later ) why in the world would my mortgage payment increase because of their " tax error '' and my " actual taxes '' both. Wouldn't it make sense that if I was paying XXXX XXXX XXXX taxes and his taxes were actually more than anticipated that I would only get one increase. Additionally, if XXXX XXXX was paying my taxes and my taxes were actually more than anticipated wouldn't he then get billed with the increase. But instead, I somehow not only got billed for XXXX XXXX XXXX underfunded escrow but also for my underfunded escrow. How is this even possible given the fact they did not know this was even a mistake until I brought it to their attention? Second, and even more concerning to me, is that the increases XXXX reported of {$700.00} for my home owner 's insurance and {$1200.00} for my property taxes are not anywhere near the same numbers I was provided by the XXXX County Treasurer 's Office and my XX/XX/XXXX Agent. After receiving her response to my initial complaint, I called my XXXX XXXX Agent, XXXX XXXX. XXXX told me in XXXX my home owner 's insurance increased by {$33.00} a month. That equates to {$390.00} a year not the nearly {$700.00} she reported. I then called and spoke with the XXXX County Treasurer 's Office. They told me my XX/XX/XXXXproperty taxes payments ( for the XXXX fiscal year ) totaled {$3100.00} and my XXXX property taxes payments ( for the XXXX fiscal year ) totaled {$3500.00}. That is an annual increase of {$470.00} which is a far cry from the number she reported of {$1200.00}. That is also a monthly increase of {$39.00}. So where XXXX says " the remaining {$170.00} was a result of my " actual taxes '' and my insurance increase, '' based on the numbers provided by XXXX XXXX and the XXXX County Treasurer 's Office, that number should have actually been {$72.00}. Based on those numbers, my mortgage payment should have went up by {$72.00} a month not {$300.00}. Yet, XXXX in her response would like CFPB to think their " tax error '' was only responsible for {$130.00} of the increase. I have no idea where XXXX or FNBO got their numbers from but it has been a constant that the things XXXX tells me during our conversations, when fact checked with the agencies responsible, do not check out. When I have brought these discrepancies to XXXX XXXX attention she has repeatedly told me she gets her information from XXXX and can only go on what she is told. What is ironic about that is that she and FNBO contracted XXXX to pay my property taxes, a task they clearly did not do well. However, XXXX and FNBO are apparently incapable of picking up a phone and calling the XXXX County Treasurer 's Office to fact check any of the information XXXX is providing to them. You would think you would do this given the fact that XXXX herself has told me XXXX has made " colossal mistakes '' in this case. Next, XXXX says on XX/XX/XXXX, I received an escrow refund of {$2800.00} which included the tax refund of {$2200.00} from XXXX County which was issued due to the incorrect parcel XXXX reported to the county already being paid. XXXX fails to point out that this refund was issued to me after my refinance with XXXX XXXX went through and my loan with FNBO was paid in full. Additionally, she fails to point out when I received the refund, I was under the assumption my property taxes were paid in full. I was not told this money needed to go to pay my taxes. Like I previously explained to XXXX ( and she agreed by the way ) nobody in the country can be expected to keep escrow money refunded to them for months on end just in case their mortgage company failed to pay their property taxes. This is ridiculous. However, XXXX and FNBO would like CFPB and myself to believe this money somehow shows their willingness to fix their mistake. Again, when they issued the refund they hadn't even discovered the mistake. I pointed it out to them months later when I was threatened with a possible tax lien for unpaid taxes. Next, XXXX discusses a conversation I had with their " XXXX XXXX Team. '' She says my wife told the XXXX Team that we hoped to keep our mortgage with FNBO but were told Student Loans would hinder this and she says my wife told the XXXX Team that XXXX XXXX had offered a rate of 3.75 %. Again, I assume XXXX learned this from notes in their internal system cause this is not at all what happened. Both my wife and I were on this call with XXXX XXXX who was the initial loan officer we worked with at FNBO when we got the mortgage on the house in early XX/XX/XXXX. We called XXXX, not the other way around, and we called her because the Mortgage Servicing Team did not help us on XX/XX/XXXX. We called her after talking with our real estate agent, a friend of XXXX XXXX, and he told us to call her. We have text messages of all of this if needed. When we called XXXX she failed to even look up our loan. She said " if she could remember right '' there was a credit issue that made it difficult to get the initial loan in the first place. Both my wife and I told her she must be mistaken and told her we did not have a credit issue. We told her we put 20 % down on the house and the only issue we had was that I was going to be working in XXXX and living in XXXX when we applied for the loan. XXXX said she may have us mixed up with another client. We also told her XXXX XXXX had offered us 3.75 % and we were hoping FNBO may provided us with the same rate so we wouldn't have to change. Additionally, we told her XXXX XXXX was working through a Student Loan issue which was holding up our loan. The student loan issue was that I had not been out of school long enough to pay on the loans yet but XXXX XXXX was working with underwriting to determine whether or not that would have to estimate a minimum monthly payment for each student loan or not. XXXX never said anything to use about student loans, never looked up our credit report to even know I had student loans, and never even looked up our loan information. Again, all of this can be verified through text messages and with XXXX XXXX. Again, XXXX relied on notes in their system because she was not involved in this call and again the information she provided is completely false. Information which is placed in the response to suggest FNBO did everything in their power to help us. Next in her response, XXXX again downplays how much money I am out by saying I paid the higher mortgage payment of {$130.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX which totaled {$520.00}. However, like I stated before these numbers do not add up at all with the number provided by the XXXX County Treasurer 's Office or XXXX XXXX. XXXX actually says, after research they learned, " your taxes were originally paid on time but, unfortunately, incorrectly posted to another parcel due to an error in the tax identification number. '' Now how in the world are my taxes paid on time when they aren't even paid on my parcel number? XXXX goes on to say, " In XX/XX/XXXX, XXXX was notified of a change to the tax identification numbers for XXXX County, Nebraska. This required a change of the tax IDs on record from a 10 digit Assessor ID to a 9 digit Treasurer number. Unfortunately, an error was made in the modification of the tax IDs for two properties under our service, resulting in erroneous tax reporting to us and thus incorrect amounts being disbursed from your escrow account. XXXX has assured us that the tax IDs have been corrected within the tax servicing system and that they are engaged with XXXX County to cure your unpaid taxes by Monday, XX/XX/XXXX. '' Now this again is something that really bothers me. XXXX previously told me this information during our XX/XX/XXXX phone call. After speaking with XXXX, I called the XXXX County Treasurer 's Office and asked them about this. They told me and I quote, " XXXX and First National Bank are trying to pass the buck. '' I was told these changes were made in XX/XX/XXXX not in XX/XX/XXXX as XXXX and FNBO would suggest. Also, the XXXX County Treasure 's Office told me they suspected this involved another customer in addition to myself and XXXX XXXX. They believed this because my property taxes are {$1700.00} every six months and XXXX XXXX XXXX are just a little bit more. However, XXXX was sending {$2200.00} from my escrow accoun. This number did not match my property taxes or XXXX XXXX XXXX property taxes so they said somebody else has to be involved as well. I did not even get my mortgage until early XXXX after these changes had already been in affect for over a year. After learning of this information I called XXXX back and told her. XXXX again told me she was only going off of what XXXX was reporting to her so she was unable to determine why there were discrepancies in what they were saying and what the treasurer 's office was saying. Again, she and FNBO could have called the treasurer 's office themselves but again they did not. Also during this conversation, XXXX told me this entire situation is something she has never seen before and she and XXXX are putting things in place to make sure it never happens again. She said that does not help me but said XXXX and FNBO would be offering me money outside of paying my property taxes in full to make me " whole. '' XXXX stated this situation was convoluted and there were a lot of moving parts so she didn't think there was any way me or anybody else would know what exactly happened here so there was no use in trying to figure it out. She didn't even address the fact that the treasurer 's office believed a third person was involved because the numbers do not add up. Now as a " reputable '' business wouldn't you think you would want to know exactly what happened, why these numbers don't add up and how you could have allowed this to happen to a customer. Additionally, XXXX talks about how XXXX has assured her they have fixed these mistakes but nobody addresses the fact that this does nothing for me in my current situation. Finally, XXXX says XXXX has agreed to pay my unpaid property taxes in full and FNBO will be issuing me a check in the amount of {$2300.00}. This amount is for the {$2200.00} taken from my escrow account to pay somebody else 's property taxes in XX/XX/XXXX and {$75.00} late fee assessed. I guess this is how XXXX, FNBO and XXXX intended to " make me whole. '' However, they have failed to address the drastic different in the numbers which lead to my mortgage increase and ultimately lead to me having to refinance or lose my home. The other thing is they seem to be downplaying the fact that their mistake led to an increase in my mortgage payment. They say it is only {$130.00} but those numbers don't add up either as I have stated several times. But even if it was only {$130.00}, that {$130.00} when uncorrected would have led to an increase of {$44000.00} on my mortgage payments over a 28 year span not including interest. So this is no laughing matter. This is something that was their mistake. Something that never should have happened but it did and when it did it caused me to make a decision. The decision was do nothing and lose my house or refinance. I really had no chose here. However, refinancing my house came at a massive cost. My closing costs were {$12000.00} after a {$570.00} credit from XXXX XXXX. All of those fees had to be rolled into my current loan. When factoring in the interest rate of 3.75 %, I have to pay {$450.00} a year in interest on the {$12000.00}. Over the life of the loan ( 30 years ), I will have paid {$13000.00} in interest on that money for a total of {$25000.00}. Additionally, the refinance of my house caused me to go from a conventional loan to an FHA loan. As a result, I now have to pay {$100.00} a month in mortgage insurance that I was not having to pay when I had a conventional loan. This is an additional {$1200.00} a year added to my mortgage payment. Over the life of the loan ( 30 years ), I will have to pay a total of {$37000.00} in mortgage insurance that would not be a fact had I not had to refinance. All of this was explained to XXXX and was explained to XXXX XXXX employee before her. XXXX stated she understood how the property tax mistake led to an increase in my mortgage payment which lead to me having to refinance and take on all these additional charges. It was after this XXXX told me FNBO and XXXX were going to make me whole. Well {$2300.00} is a far cry from the {$12000.00} I had to pay in closing costs, or the {$13000.00} in interest I will pay on it, or the {$37000.00} in mortgage insurance I will pay over the life of this new loan all because of the mistakes of FNBO and XXXX.
08/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33470
Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FIRST NATIONAL BANK OF OMAHA First National Bank of Omaha XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX I Account # XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. I have recently learned that my personal information was used to open an account at your company. I did not open this account, and I am requesting that the account be closed and that I be absolved of all charges on the account. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These sections also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided is the result of identity theft. Please investigate this matter, close the account and absolve me of all charges, take the steps required of you under the FCRA, and send me a letter confirming your findings and actions, as soon as possible. XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) ENCLOSURE : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that -- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 168li ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency -- ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Commission to obtain consumer information regarding identity theft. ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if -- ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this title. ENCLOSURE : FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) Requirements on Users of Consumer Reports Prohibition on Sale or Transfer of Debt Caused by Identity Theft ( f ) Prohibition on sale or transfer of debt caused by identity theft ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) the repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. ENCLOSURE : FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) Responsibilities of Furnishers of Information to Consumer Reporting Agencies Duties of Furnishers upon Notice of Identity Theft-Related Information ( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. ( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.
01/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NE
  • 68901
Web
In XX/XX/XXXX, my family and I moved to XXXX, XXXX from XXXX. We purchased a home and used First National Bank of Omaha as our lender. In XX/XX/XXXX, I received a letter from First National Bank of Omaha advising my mortgage was going to increase by over {$400.00} a month because they underestimated my property taxes and as a result, my escrow account was under funded. I immediately called First National Bank and the mortgage lender I worked with. I told them something had to be wrong because that was a massive increase. I was told it was right. I told them I could afford the payment now and was told I would need to refinance but they wouldnt be able to do It because they were the originator of the initial loan. It took me 6 months to find a lender and close on the refinance. In the meantime, I struggled beyond belief to pay my bills. I put thousands on credit cards just to survive. Finally, In XX/XX/XXXX I refinanced with XXXX XXXX. The refinance naturally cost me a lot of money too. Appraisal fees, inspection fees, updates because of the inspection, closing costs, title fees etc. On XX/XX/XXXX, I received a letter from the XXXX County Treasurers Office advising none of my property taxes had been paid for the previous year. The letter said if they werent paid in full by XX/XX/XXXX, there would be a County tax sale. I called the treasurers office on XX/XX/XXXX and learned I owed {$3800.00} in unpaid taxes. Of that amount {$290.00} was interest. I was told my tax payments were due in XX/XX/XXXX and XX/XX/XXXX and they did not receive a payment at either of those times. I then called First National Bank. I was told that must be a mistake because they paid {$2200.00} in XX/XX/XXXX and another {$2200.00} again in XX/XX/XXXX. I was told in XX/XX/XXXX, they received a check back for {$2200.00} advising my account t had been paid in full. After speaking with the bank, I called the treasurers office back and told them what the bank told me. They said their records did not show that and asked that I give First National Bank my parcel number as well as the phone number to the treasurers office. I again called First National Bank and provided them with my parcel number. First National Bank indicated that parcel number did not match their records. I told them it was clear to me that they paid somebody elses property taxes with my money and it was because of that that they received a refund check in XX/XX/XXXX. It was also because of that that my mortgage went up over {$400.00} a month, leaving me in financial ruins and leading to a refinance that cost me thousands of dollars. I was told I would receive a returned call in XX/XX/XXXX by XXXX. I never received that call. On XX/XX/XXXX, I called the bank again and was apologized to repeatedly. I was told I would receive a call by XXXX that day. Again, I did not receive a call. On XX/XX/XXXX, there was again no communication from First National Bank. On the morning of XX/XX/XXXX, I received a call from First National Banks mortgage department advising they would be overnighting me a check in the amount of {$2200.00} and would include an additional check for {$300.00} to cover interest. I was told I would be responsible for the remaining {$1300.00} of the unpaid balance. I told them I didnt have the money and could not pay it to which they said they also did not have the money. A major bank doesnt have the money, thats laughable!! I asked how this all happened and was told they contract with a third party vendor to pay the property taxes. That vendor had the wrong parcel number and therefore paid the wrong parcel number. But they assured me they were fixing that problem like I cared. They said they had talked to the treasurers office this morning and found out I had {$300.00} in interest and that is why they agreed to pay that amount. They further advised they would not pay the remaining {$1300.00} because I got a check for roughly {$2800.00} back from them in escrow overages when I refinanced my house. I explained to them that the {$2800.00} was described to me as just that, an escrow overage. It was not described as a check to pay unpaid property taxes. In fact, I was told my property taxes had been paid. It was for that reason that my mortgage went up and for that reason that I had to refinance in the first place. As a result of what I was told,, the {$2800.00} check paid some of the credit card balance that I had because of the mortgage payment increase. I was then told that I should have never been clear to close on the refinance with unpaid taxes so my current mortgage company should use the title insurance to pay the res of the taxes. I told them, although I agree I shouldnt have been cleared to close, this mistake lies solely on them. It is not my fault nor my current mortgages companys fault and therefore, they need to fix the mistake themselves. After getting off the phone with the bank, I called the treasurers office again. I was told nobody in the treasurers office had heard from First National Bank or their representatives. After explaining my story to the treasurers office, I was told the following : In XX/XX/XXXX, they received a payment of {$2200.00} from XXXX which was placed into my account to pay my taxes. They indicated XXXX is a third party company that pays the property taxes on First National Banks behalf. They further advised XXXX sends them a list of all of First National Banks clients. Included in the list are the names, addresses, parcel numbers and amounts to be paid on each clients account. In XX/XX/XXXX, my name, address and parcel number was on this list. However, the day after the {$2200.00} was paid on my account, XXXX contacted the treasurers office and advised they had paid the {$2200.00} on the wrong account and asked that it be transferred to an account belonging to XXXX XXXX. The treasurers office made this transfer. In XX/XX/XXXX, XXXX again sent the list of clients. I was nowhere to be found on the list this time. Instead, XXXX, on behalf of First National Bank, sent {$2200.00} of my money to the account of XXXX XXXX again. However, this time XXXX property taxes had been paid in full. As a result, the treasurers office sent a check in the amount of {$2200.00} back to XXXX. Included with the check was a print out of the account showing it had been paid in full. Included on this print out was the name, address and parcel number of XXXX XXXX, not me, XXXX XXXX. The treasurers office further advising on XX/XX/XXXX, XXXX, on behalf of First National Bank, requested the treasurers office send First National Bank a check in the amount of {$3500.00} from XXXX XXXX account due to the money being paid on the wrong parcel. The request was made on behalf of XXXX XXXX per the treasurers office. The treasurers office then overnighted a check in the amount of {$3500.00} to First National Bank on my behalf. So how is it that First National Bank requests {$3500.00} be refunded on my behalf but on the same day the receive that check, they offer me two checks totaling {$2500.00} to fix their mistake. How is it that First National Bank is going to profit on their mistake while leaving me with {$1300.00} in unpaid taxes that they expect me to pay. How is it that they dont have the money to pay {$1300.00} when they received a check for {$3500.00} on my behalf. Furthermore, how do I get repaid for the extra money I paid on my mortgage for 6 months, how do I get repaid for the money and interest paid on my credit cards during that six months, how do I get repaid for the thousands of dollars spent on a refinance that didnt need to happen in the first place. None of that would have happened had First National Bank not paid the wrong persons property taxes with my money!!
08/29/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 14478
Web Older American
On XX/XX/XXXX I protested XXXX charges appearing on my XXXX First Bankcard XXXX. Still unresolved are XXXX of those initial XXXX protests ; XXXX being a charge by an XXXX XXXX XXXX store in XXXX, XXXX for {$1500.00} and the second was a charge from Hot Leathers of XXXX, XXXX for {$55.00}. On XX/XX/XXXX, I received a letter by regular mail requesting additional information on the disputes and I replied immediately, sending all the requested documentation. I know they received this information in a timely fashion because they acted on all of the protests in my initial request except for the XXXX mentioned above. On XX/XX/XXXX, I returned home from work at approximately XXXX XXXX XXXX XXXX and found a message on my answering machine telling me I had to immediately call dispute resolutions back at XXXX to discuss dispute # XXXX, and the message went on to say today was the last day. I immediately called the number given only to get a recorded message saying they had " left for the day ''. There was no alternative offered by the recording : no voice mail, no email, no way to advise that I returned the call. I tried calling again each day over the weekend but got the same recording. On Monday morning, I stayed home from work and called in first thing and spoke with a XXXX XXXX XXXX at Billing Resolutions. I explained that I sent all the required paperwork along with paperwork on ALL the protests made in my XX/XX/XXXX letter, and she acknowledged that they HAD received paperwork on the other protests but insisted they had not received the paperwork on the XXXX XXXX XXXX protest. ALL of the paperwork went in a single envelope ( why on earth would I send multiple/separate mailings to the same place? ) I asked her how someone is supposed to respond to a previously unknown deadline given on voicemail at XXXX on a Friday afternoon when they shut the phones off with no way to leave a message at XXXX? She offered no explanation or resolution to that and she could not explain why they got the paperwork on all the protests but somehow didnt get the XXXX XXXX XXXX paperwork. Regardless, I IMMEDIATELY sent her another complete PDF copy of the XXXX XXXX XXXX protest paperwork by email and then doubled back and confirmed that she received it. Despite the fact that it was clear that they somehow misplaced the original XXXX XXXX XXXX paperwork, she was reluctant to do anything to help me, using the missed deadline and also saying it was a point of sale transaction, and left me saying she would look into it. When she used the " point of sale '' excuse, I requested a copy of the credit card receipt ( backed up he request in writing ) with my signature which they did not produce. In a response to an earlier complaint made, they acknowledged that they tried, TWICE to contact XXXX XXXX XXXX regarding this purchase but XXXX XXXX XXXX DID NOT RESPOND. The fact that there was no credit card receipt, no signature and NO REPLY OR COUNTER FROM XXXX XXXX XXXX to their request for supporting information on the charge should confirm the protest was legitimate yet they refuse to issue the credit to my account. On XX/XX/XXXX, I sent a letter to the CEO of First National Bank of Omaha explaining in detail the problem and I included a check as payment in full for all legitimate charges outstanding and my cards ( cut in two ) demanding that the account be closed immediately. I know they got the correspondence because the cancelled check shows being processed on XX/XX/XXXX. Yet on XX/XX/XXXX, DESPITE THE FACT THAT THE ACCOUNT SHOULD HAVE BEEN CLOSED, they posted yet ANOTHER fraudulent charge to my account totaling {$1100.00}. ( XXXX XXXX ) Clearly First Bankcard/First National Bank of Omaha has serious issues with the ability to process mail received with any accuracy or in any timely fashion. On XX/XX/XXXX I received another letter advising they were rejecting my protest on the second dispute listed above ( Hot Leathers of XXXX, XXXX ) for {$55.00}, despite the fact that the charge dates back to XXXX and the " resolution '' comes over 90 days since protested in writing. Even more troubling, the reasons cited for the rejection of the protest include 1 ) ) at the time, I had informed VISA that I would be traveling through the " area '' where the merchant is located in. During that time, we took a trip from upstate XXXX to XXXX and the copy of the credit card receipt included CLEARLY shows the vendor is in XXXX XXXX, which was nowhere near our travel route, not to mention the receipt has NO signature, has NO 3 digit card security code and NO expiration date. shows the vendor this explanation makes NO sense in that this charge is from XXXX XXXX and I was no where near XXXX any time in XXXX. 2 ) at the time, I was in constant contact with XXXX, which is true because, despite the fact that we had notified them of our travel plans ( and all charges on the card were paid in full ), XXXX still put repeated holds on the account, which hampered XXXX LEGITIMATE charges and created significant delays, embarrassment and frustrations, with VISAs repeated excuse for shutting the card off being " suspected fraudulent activity ''. Amusingly, they hampered XXXX legitimate charges but missed the XXXX charge that was genuinely fraudulent. 3 ) VISA somehow determined the card was physically present during this charge and that other valid card transactions occurred after this charge, yet the only evidence they sent was a receipt showing a purchase made in XXXX, ( when we were XXXX miles away in XXXX ) with no signature, no security code and no expiration date - only the credit card number, which obviously is easy for thieves to use successfully if VISA security procedures are lacking. This charge is not valid and despite overwhelming evidence, XXXX is insisting we pay it plus interest and fees. On XX/XX/XXXX I received a letter responding to my XX/XX/XXXX letter to the CEO cancelling the account, and after repeating the same old excuses for rejecting the protest, it advises that " as a courtesy '' they will " review the matter again ''. They are asking for copies of all the information I have already sent them TWICE and they are asking for a copy of the " contract '' - as I told them before, there is no contract that pertains to the purported charge! So, I am betting this is the excuse they will use again when denying the protested amount. They can't get the vendor to respond to verify the charges, they cant provide any sales or credit card receipts, with OR without my signature, and yet they want me to spend more time duplicating paperwork I have already sent. ENOUGH IS ENOUGH! Regulation Z is clear on consumer obligations for disputing charges - I have met every one of them - while the vendor has provided, literally, no concrete evidence of anything pointing towards a legitimate sales transaction, yet they refuse to credit the account the result of which has cost me considerable time, frustration and can possibly affect my credit history going forward. That's not to mention they are allowing fraudulent charges to post to my account AFTER I REQUESTED IN WRITING THAT THE ACCOUNT BE CLOSED. I have also complained to the XXXX Attorney General and the Office of the Comptroller of Currency. The XXXX Attorney General 's office advises that the Consumer Financial Protection Bureau initiated a suit against this same institution in XXXX for illegal credit card practices. Clearly the information and proof I have submitted shows similar violations are still ongoing and I am at a loss as to why you are not doing something about it. If I cant get help from the very governmental agencies tasked with protecting consumers, then I'm left with the only option of writing my state and federal elected officials.
04/26/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • VA
  • 23225
Web
On XX/XX/XXXX, I sent a payment of {$150.00} to FNB Omaha via my eBill pay service, as I always have for the past decade ( at least ). On XX/XX/XXXX, I sent another payment of {$130.00} via the same method. Between XXXX and XX/XX/XXXX I had received a missed payment notice via email, but assumed it was in error since I had confirmation from my bank that the funds had been sent. On XX/XX/XXXX, My bank refunded the {$150.00} payment I made on XX/XX/XXXX. At that point, I called FNB Omaha to inquire why they hadn't accepted my payment. The representative I spoke with told me that she could not see my account because they were updating the system and no account information was available, so she couldn't tell me why they were rejecting my payments - I would have to call back some other time because she also could not take a message and call me back when the system was up again. Since the {$130.00} had gone through, and with this new information, I assumed the {$150.00} had been returned because of the system update. On XX/XX/XXXX, I called again to inquire. Because I didn't have the card with me, the account rep I spoke with initially told me she could not look up the account because I didn't have the card. As she was about to end the call, I actively asked if she could look the account up another way, and she admitted that she could. Initially, she said she didn't see any account tied to my name and seemed to insinuate that I was wasting her time. When she finally found it and started doing the research, she let me know after 25 minutes that I had reported a card lost or stolen in XXXX and that the account number had changed. As a courtesy they had been sending my payments to the new account. But they stopped doing that for me at the end of XX/XX/XXXX, so that's why they were rejecting my payments. I asked if they had notified me about the change - as I had no idea this has been happening for five years ( no one ever asked me if I wanted them to apply the funds to a different account ). She said that they had put a note on a statement. I explained that they don't send me statements - I don't even get notified when there is a new one available. But since I can see anything pertaining to my account simply by logging in and looking at my activity, payments, payment due date, rewards - EVERYTHING that is typically included on a statement, I don't ever look at my statements. The information has never been any different. I asked to speak to a manager, who treated me with the same disrespect ( never an understanding of how I could have not known they were making a critical change to my account ). I asked if they had tried to contact me to tell me that there was a critical change happening to my account? The answer was no - they let me know by putting it in a statement that they don't send to me. They said that there was probably a note in the new card when they sent it to me in XXXX, so I asked them to send me a copy of that. I wanted it for my records, to see how I could have missed it, and also for the instructions to update my eBill payer account with my credit union. She said she would put in the request and I should have that communication via email in 48 hours. Same day, I called my credit union and asked if they could find the money that had been removed from my account on XXXX but had not made it to the intended recipient. They returned the money to my account on XX/XX/XXXX. Around XX/XX/XXXX I received a collection call and explained to the representative all of the above, and let him know that the letter I had requested was never received. He tried to tell me they sent it to me, so I searched my inbox and found nothing. The very next day, the attached letter was sent to me via secure email. This is clearly not what I requested. I have spoken to four representatives since then, each of them telling me that I should have known that critical information that isn't on my personal account page would only be accessible in a statement they don't send me. I argued that something this critical should be communicated in a more direct way. On XX/XX/XXXX, XXXX ( ID XXXX ) told me that she checks her statements every month to see if they have made changes to her eBill pay account. I have been building credit for almost 30 years and have never heard of this ( and I also work for a large financial institution and have never even heard of this as a best practice ). On XX/XX/XXXX, a {$600.00} payment was sent via my bank and this one is now being rejected as well. I still have not received that letter telling me that I have new account info and how to update my eBill payer account with my credit union. But I HAVE deleted FNB Omaha from my list of payees. I have alerted FNB Omaha that as soon as my bank refunds the last payment of {$600.00}, I will send it via some other method. But I do not feel confident I will ever receive the information I requested so that I can update my account. Perhaps it was never sent to begin with. XXXX refunded the late fee and said they would not report anything to credit bureaus if they receive payment before mid XXXX. My bank asked me to check back on Tuesday XX/XX/XXXX to see if the funds had been rejected yet. I have informed the FNB that I will send that money to them as soon as the funds are put back into my account. While there might not be any lasting damage to my credit or account ( obviously this is still TBD ), I still want to understand how it is a reasonable expectation that a high-value customer would be aware of critical account changes when that communication is delivered via an indirect method. I was told that I should be looking at my statement every month to see if there are eBill pay changes, even though they don't tell me when new statements are available. I asked why they couldn't communicate that to me on my account page, via postal mail, email, or phone, and I was told that it isn't their responsibility to hold my hand when bills are due ( ignoring the fact that I had actually been making payments, and the bill being due is not the actual issue ). Meanwhile, they raise my credit limit $ XXXX every year because they have never had to hold my hand ever before. I asked them why they never communicated to me over the past five years that they were reallocating my payments without my knowing. They told me it was my responsibility to know this - I should read the statements they don't alert me to. I noted that I had no idea there was an account change - I log into the same account with the same user name and password every time with no issues. How would I know there was a new account to look for? I was repeatedly told I should have known to look at my statement to see if they were changing my eBill pay information. In 30 years no one has ever changed my eBill info without telling me before - only this organization.
10/10/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NE
  • 68123
Web
In summary- In XX/XX/XXXX, we started an company that went under and filed Chapter XXXX in XX/XX/XXXX. The chapter XXXX was discharged in XX/XX/XXXX, when we noticed that our Mortgage and Home Equity Line was showing closed on all three of our credit bureaus. When we set up the Chapter XXXX we continued to pay our mortgage and home equity line normally and not through the trustee. We contacted the three credit bureaus to have the information corrected and submitted online and mail disputes. Then the credit bureaus removed our mortgage and home equity line from our bureaus and advised that First National Bank of Omaha was the only person that could correct or credit reports. On XX/XX/XXXX we hand delivered a written request to First Nation Bank ( which was signed by XXXX XXXX Retail Branch Officer on XX/XX/XXXX ). After waiting a couple of weeks we called First National Bank f Omaha on XX/XX/XXXX, to inquire on the status of our correction and was notified by XXXX XXXX ( lead Specialist in the Mortgage department ) that she had never received the letter. We explained to her what was going on with our credit bureaus and that our mortgage and Home equity line was not reporting correctly to our bureaus. She advised us that since we filled chapter XXXX this is what happens. We contacted our bankruptcy attorney ( XXXX XXXX ) and he advised that this was not correct and advised that chapter XXXX was there to protect the property of those filling bankruptcy which he sent them an email stating : From : XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX Cc : XXXX, XXXX ; XXXX XXXX Subject : [ External ] RE : RE : Re : mortgage XXXX, This statement below is not accurate. When a person completes a chapter XXXX case they do not discharge mortgage obligations unless they specifically surrender the home in the Chapter XXXX Plan. The entire idea of Chapter XXXX is to protect homes and to reinstate delinquent mortgage debts. The First National note is not discharged and the bank should continue reporting to the credit bureau. Here is a good article on this topic : XXXX XXXX XXXX [ XXXX ] First National has the best people working for it. In fact, XXXX of the very best is the great attorney, XXXX XXXX, who frequently represents the bank. You may want to run this by XXXX XXXX. XXXX, let me know if we can get this corrected. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX, NE XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, NE XXXX ( XXXX ) XXXX Fax : XXXX XXXX XXXX [ XXXX ] XXXX : XXXX So after that email from our attorney First Nation Bank agreed to reinstate my Mortgage but only from the date of discharge of the chapter XXXX with one late payment ( which we were out of town and First Nation Bank doesnt except online payments for mortgages ) so for the past 14 years they will not report our good payment history prior to the discharged date. So now our mortgage payment history shows 11 payments, with one late which shows as a derogatory mark on our credit. And they flat out refuse to report our home equity line at all. So after several attempts to get XXXX XXXX to correct our credit bureaus with no success we do some research on the fair credit reporting Act and find out what they are doing is reporting incorrect information for the purpose to hurt our credit. We contacted Erins boss at First National Bank, XXXX XXXX ( The Director of Retail Consumer and mortgage collections ) who advised us this : From : XXXX, XXXX [ mailto : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX ' Cc : XXXX , XXXX ; XXXX , XXXX Subject : Re Mortgage Hello, XXXX XXXX forwarded this message to me, I am the XXXX of the Retail Consumer and Mortgage Collections within our Customer Operations Management group. I was contacted two days ago by ( US ) and I have been working to answer these similar questions she has directly contacted me to answer. Rather than have communication coming from both XXXX and I, I will answer this for you, on behalf of First National Bank. I also have left a message with ( US ) and will be calling her back shortly to respond to her request she made late yesterday. In my response to her, I was going to recommend that she speak with her bankruptcy attorney so that you can help her with any confusion that may exist. Here are responses to a couple of claims and requests she has made, which are similar to what you have asked on her behalf. 1. She continues to claim that her Mortgage and Home Equity line of credit were never included in the Chapter XXXX bankruptcy and that we are reporting this incorrectly. We know that we were included on the schedule for secured creditors and that when she filed Chapter XXXX her Mortgage and Home Equity are included. They were paying outside the plan during this time, but it is correct for us to report this as the customer being in Chapter XXXX bankruptcy during that time. 2. Regarding the credit reporting, yesterday I explained that according to our credit bureau guide and Director of that area, we do not report payment history from time of petition up to discharge. After discharge, we can report the history and we have done so on the Mortgage since discharge. We will not be reporting payment history during the bankruptcy period. 3. She also asked about the reporting of the Home Equity products, as they are no longer reporting on their credit reports. When I am able to speak to her, I will tell her that First National stops reporting to the credit bureaus for home equity products at the time of bankruptcy. We will no longer report this trade line. If you have any further questions, you can reply or contact me directly. Regards, XXXX XXXX XXXX, Customer Operations Management ( XXXX ) XXXX Today 's date is XX/XX/XXXX, and this matter has not been correct and First National Bank of Omaha is still not reporting our mortgage or our home equity line to all of the three credit bureaus. We have all corresponding emails and letters to collaborate any information needed. Thank you in Advance for your help
01/29/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • PA
  • 19540
Web
XXXX XXXX of XXXX, I called First National Bank of Omaha to pursue a personal loan for the total sum of XXXX to serve as debt consolidation. 3 balances were to be paid off. I was informed they could not send me the money directly, where I would then pay off my balances, myself. Instead, as a requirement, I was to provide where to send the payoffs, so FNBO could pay off the balances, themselves. 2 of the balances received their payments in full. The third balance, held with XXXX XXXX XXXX, was to receive a mailed check for XXXX. Instead, an electronic payment was sent to a separate XXXX XXXX location. No information was requested for where to send the payment. They collected my account information for my balance with XXXX XXXX XXXX, and sent the payment electronically. This payment was lost. FNBO provided me the tracking information for this electronic payment, which I then forwarded to XXXX XXXX XXXX. They have not been able to locate the payment. XX/XX/XXXX at approximately XXXX XXXX, I called FNBO and spoke with XXXX, whom after being made aware of the situation, forwarded the details of the situation to his supervisor. I was advised by XXXX that they would be looking to retrieve the funds, and I would later be notified once the funds were successfully retrieved in order to properly issue the check for the total payment of XXXX. XX/XX/XXXX at approximately XXXX XXXX, I spoke with XXXX, whom connected me with a supervisor XXXX. I was then advised that no progress had been made. I was advised to callback. I then asked XXXX what protections the customer had if the company was unable to fully provide the service as promised, and he said there was no protection for the customer. XX/XX/XXXX at approximately XXXX XXXX, I spoke with XXXX. She advised no results for the current investigation. I had asked her who I could contact if I needed to file a complaint with the company. Her response was that she did not know. She did advise me that the company that processed the electronic submission was called Transactions Support XXXX XXXX. I was then connected to a supervisor named XXXX. XXXX advised me that an email had been sent XX/XX/XXXX to transaction support to try and locate the payment. No responses to the email were provided. XXXX did advise of what was called a " provisional credit '' that could be issued to pay off my balance while the payment was being recovered. He stated it would not be issued at this time because " higher ups '' were still investigating the issue. I also asked who I would contact in order to file a complaint. I was given no clear response. XX/XX/XXXX at approximately XXXX XXXX ( eastern time ) I spoke with XXXX. XXXX confirmed the email that was sent to transaction support, with no recorded responses at this time. I also asked XXXX who I would contact in regards to a complaint. No clear response was provided. XXXX connected me with a supervisor named XXXX. XXXX confirmed that no progress had been made. I also asked XXXX about who regulated them, as to file a complaint, and no clear response was provided. I discussed the " provisional credit '' as previously mentioned, and was advised that they do not offer provisional credits. I then, for the record, stated with XXXX that I never provided where to submit the electronic submission. This information was assumed, and the lost payment was the company 's mistake. I then informed XXXX that it was conditional that I allow the company to pay off my balances directly in order to be approved for the loan. I would agree to the terms, with the service provided that they pay off my balances directly. I stated that come XXXX of XXXX, I would officially make my first payment towards the loan. I stated that if at that time, as I met the conditions agreed upon, that the company should be responsible for meeting the conditions as promised to me. Conditions which currently have not been met. I advised XXXX that at that point, I would be making payments towards a loan, which I phrased plainly as a good or service, that was not provided entirely to me. I also made XXXX aware of the mental anguish, XXXX XXXX XXXX to XXXX or XXXX XXXX, and inability to perform my job because of the stress caused. No direct response was provided. I advised XXXX that I am still currently making payments towards my XXXX XXXX XXXX, and in just over a week from now, would be making payments towards both this new loan with FNBO and my XXXX XXXX XXXX simultaneously, which may only further drive me into debt, as I may not be able to carry both loans. I made him aware that I would be making payments towards a loan which had not entirely been provided to me. I advised him that I would honor the terms and make my payments, but I would hold the company responsible for their mistake. I advised him that it is their responsibility to correct their own mistakes, and not allow their customers to suffer. No clear response was provided. I have already submitted a complaint with the XXXX XXXX XXXX, and was advised they would allow until XX/XX/XXXX to receive a response from the company. I don't feel the correct action has been taken by FNBO to reconcile this issue. The customer service has been friendly, but the actions taken have yielded no results, and I can not accept the situation, given that the service promised to me has not been provided. Please help me. It feels like this company answers to no one. It feels as though I have been stuck with an extra XXXX in debt, which I can not afford. I can not afford a lawyer. I am losing hope. I don't know what to do. Life has been terrible enough as is, given the pandemic, and I am struggling to hold myself together. Will someone please just let me know this is going to be ok.
03/15/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • MO
  • 64030
Web
Please notify the bank it is violatingThe Gramm-Leach-Bliley Act ( GLB Act or GLBA ) is also known as the Financial Modernization Act of 1999 repeatedly It is a United States federal law that requires financial institutions to explain how they share and protect their customers ' private information. To be GLBA compliant, financial institutions must communicate to their customers how they share the customers ' sensitive data, inform customers of their right to opt-out if they prefer that their personal data not be shared with third parties, and apply specific protections to customers ' private data in accordance with a written information security plan created by the institution. This bank is giving my information of to a third-party named XXXX XXXX and Im being harassed and by XXXX and XXXX XXXX who have no business contacting my work phone, or personal email. Please notify this bank they are not authorized to share my information with any other parties and owe me a contractural obligation and duty which is being breached. This stems from me receiving a payment from a major music distributor and attempting to buy a chain and pendant for my XXXX birthday which the seller was scamming me on the gold and diamonds etc. After filing a dispute I attempted to retrieve my cash from my account when the seller promised a refund after almost waiting 2 weeks. This has now prompted the bank to send XXXX XXXX which upon a XXXX review look like a endangerment to my life to say they are dealing with me for the bank. This third-party company is not a bank and should not have my information nor contact me as this is unlawful. If I were on the property of the bank causing issues then this would be expected but in the comfort of my own home after work hours aXXXX XXXX XXXX XXXX XXXX receiving phone calls and emails at XXXX is a violation of my rights, as a consumer this is not ok for any business especially a bank to do this. The primary data protection implications of the GLBA are outlined its Safeguards Rule, with additional privacy and security requirements issued by the FTC 's Privacy of Consumer Financial Information Rule ( Privacy Rule ), created under the GLBA to drive implementation of GLBA requirements. The GLBA is enforced by the FTC, the federal banking agencies, and other federal regulatory authorities, as well as state insurance oversight agencies. Customers must be notified of private information sharing between financial institutions and third parties and have the ability to opt out of private information sharing. Private information must be secured against unauthorized access. User activity must be tracked, including any attempts to access protected records. The GLBA requires that financial institutions act to ensure the confidentiality and security of customers ' " nonpublic personal information, '' or NPI. Nonpublic personal information includes Social Security numbers, credit and income histories, credit and bank card account numbers, phone numbers, addresses, names, and any other personal customer information received by a financial institution that is not public. The Safeguards Rule states that financial institutions must create a written information security plan describing the program to protect their customers ' information. The information security plan must be tailored specifically to the institution 's size, operations, and complexity, as well as the sensitivity of the customers ' information. In order to achieve GLBA compliance, the Safeguards Rule requires that financial institutions pay special attention to employee management and training, information systems, and security management in their information security plans and implementation. Once a GLBA non-compliance allegation is proven, the punishment can have business-altering, and even life-altering, ramifications. Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits " unfair or deceptive acts or practices in or affecting commerce. '' This prohibition applies to all persons engaged in commerce, including banks. Financial institutions found in violation face fines of {$100000.00} for each violation. Individuals in charge found in violation face fines of {$10000.00} for each violation. Individuals found in violation can be put in prison for up to 5 years. Deceptive Practices An act or practice is deceptive where a representation, omission, or practice misleads or is likely to mislead the consumer ; a consumer 's interpretation of the representation, omission, or practice is considered reasonable under the circumstances ; and the misleading representation, omission, or practice is material. Unfair Practices An act or practice is unfair where it causes or is likely to cause substantial injury to consumers ; can not be reasonably avoided by consumers ; and is not outweighed by countervailing benefits to consumers or to competition. Public policy, as established by statute, regulation, or judicial decisions may be considered with all other evidence in determining whether an act or practice is unfair. Furthermore, the prohibition against UDAP not only applies to all products and services offered by banks, but to every stage and activity, from product development to the creation and rollout of marketing campaigns, and to servicing and collections. Therefore, particular focus should be paid to new or modified systems or products and third-party arrangements.
04/02/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • HI
  • 96815
Web
Following instructions of merchant provider and clearing it with the bank in advance, upon charge the bank closed CC and refused to investigate I operate a XXXX XXXX, and use the First Bank Credit Card ran by the First National Bank of Omaha. This bank is listed under several different names in order to make customer complaints harder and virtually irrelevant. This business looks only at numbers. I spoke with a service agent, looking for a reasonable solution to a simple problem. I had to provide a customer refund due to the Covid-19 Crisis we all face. On XX/XX/XXXX/XX/XX/XXXX I spoke with the booking software aka merchant provider and they recommended to use my Company card ( this one ) to charge into their point of sale. I have attached screen shots of the emails and collateral that specifically recommends we do this. Just to be safe, I called the Credit Card Company, in advance to make sure that this wasnt going to be a problem. The agent I spoke with said no problem, as long as it isnt a large number, over like {$1500.00}. I thanked the agent and said I wanted to make sure it wasnt a problem and would run the charge. The Company proceeded to disconnect my card without any conversation, notice or outreach on XX/XX/XXXX via snail mail. I even spoke with a representative who earlier last week and they mentioned nothing about the card being shut off. I called customer service and tried to explain the situation, expecting a quick solution to a simple problem. I was met with zero interest into what happened or why, essentially accused of committing financial fraud by two representatives and a manager. When asking for the last name of an agent, whos name was XXXX he said, " its actually a number XXXX. '' This accurately reflects how this bank views both employees and customers. The manager I eventually spoke with, who I found out was the manager that each agent would speak with when they put me on hold is XXXX XXXX. After speaking with her I immediately knew why the customer service I received from her agents was so poor. Throughout the whole experience I was repeatedly lied to about what policy it is and whos procedure they were following. They even tried to say it was against the merchant provider agreement, which is exactly who instructed me to do this, my merchant provider. I have attached here and offered her evidence showing this is the case as well as call the call date that I was cleared, by the credit card Company. She repeatedly said they would do an investigation, AFTER I paid my entire balance off, not just the amount of the charge in questions but the entire balance, then they might do an investigation and possibly turn my card on. So after essentially accusing me of financial fraud Ms. XXXX and the rest of her agents tried to extort me for {$3000.00} without ever providing any place to submit evidence proving what I told them and not caring at all. Every agent I spoke with just spouted off boiler plate corporate responses. No where in their terms and conditions is this mentioned not to do this, I got clearance from their credit card company prior to making the charge that my merchant provider suggested that I make. What I want is for Companies like this who treat people like numbers and only care about their profits to go out of business. Unfortunately First National is a perfect example of this. What I will settle for is a fair and actual investigation to be conducted, if it shows ( which it will ), I was simply following instructions and acting in the best interest of my customers, they turn my card back on and I refund the transaction in question. I have a perfect payment rate and take paying my bills very seriously, which is reflected in my credit history. I may not have been the most pleasant to to talk with but in the circumstances, have been very mild mannered. Otherwise, I want the world to know that when crisis struck and people had the opportunity to do right or to take advantage of it, First National Bank of Omaha and their customer service staff proves that they do not care about anything but money. Perform an ACTUAL investigation, viewing the evidence and inform me whether or not the card will be turned on. At that point I will refund the transaction and consider whether or not I will continue to use their card. I am in the process of applying for loans and so the actual money on the card isnt an issue, its about the reflection on my credit score mostly. Obviously in these current economic times having a card as a cushion ( which ALWAYS has a low balance ) is crucial. Seriously, you all should be ashamed of yourselves for the way you treat customers and the fact that this has elevated to this point is ridiculous. This should have been and continues to be a simple solution, if you have any morals at all. Please follow up with XXXX XXXX who is XXXX XXXX supervisor, which no contact information was provided for or XXXX XXXX XXXX the VP of Customer and Employee Experience, or media.
06/25/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • DE
  • 19966
Web Older American
First Bankcard cut the credit limit on my XXXX credit card from {$5000.00} to {$1600.00} the week of XX/XX/2020. Besides not informing me in a timely way so that I could do something about it, it caused a significant drop in mine and my sons credit scores, since he also has a card under my account. When my son told me that his credit score had dropped significantly and it had something to do with First National Bank, I checked my XXXX account online. At that point, the credit limit was still stated as {$5000.00}. But a few days later, my son went to a XXXX to refill his gas tank. His card was declined because it was over the limit. When he called to tell me this, I was puzzled because I had just seen the {$5000.00} limit a few days before, and I knew that we werent anyway near the limit. I immediately checked my online account and discovered that the limit had been dropped to {$1600.00}, and we now were a couple of dollars and cents over the limit. I called Bankcard Customer Service immediately, even though it was Sunday evening, to find out what was going on and why I had not been informed of the credit-limit drop as soon as it was done. I was told that a letter was in the mail to me. When I pressed the point that I should have been informed right away either by email or through overnight mail, I was told the bank could not, by law, do that and that they had to inform me through the U.S. Postal Service. I reminded the person that U.S.P.S. has overnight mail service. She kept saying they couldnt do it that way. When I asked whether it was the result of my choosing the option First Bankcard gave customers during the first couple of months of the Coronavirus pandemic to not pay, the representative said no, it had nothing to do with that. ( I dont believe this. ) I had a few more things to say to this rep ( who was trying too hard to defend First Bankcard ), then hung up. Two days later, I received the usual monthly statement and bill in the mail from First Bankcard that showed the reduced credit limit, but no explanation of it. A day later ( yesterday ), I received a letter sent by Presorted Standard U.S. Postage Paid mail. According to U.S.P.S., this is bulk mail, not even first-class, presorted. Its processed by the U.S.P.S. on a time available basis. It cant be forwarded or returned if undeliverable. Also according to U.S.P.S., standard mail can take as long as two to three weeks to deliver nationwide, and it should not be used for time-sensitive mail. So apparently, First Bankcard did not care about informing me or its other customers around the country whose credit limits it cut that they were doing this. They didnt care that we would find out when we next used the card or when our credit scores took a sudden hit. Thats why I was completely insulted when I read the letter from XXXX XXXX, vice president of customer experience, that We value your business and appreciate your continued ( she spelled the word incorrectly ) use of your XXXX Personal Credit Card. How hypocritical! If that were the case, First Bankcard would not have cut my credit limit to the point at which I had used the card and would have done a much better job of informing me about the limit cut so that my son or I would not have to find out while trying to use the card and experience the surprise and embarrassment of being declined. In fact, First Bankcard doesnt care one bit about what customers experience and certainly doesnt value our business. I called First Bankcards customer service number again immediately after getting the letter. I asked for MsXXXX XXXX or, at the very least, a supervisor, because I didnt want to take out my anger on a customer service representative who didnt make the decision to do this. I was told Ms. XXXX doesnt take such calls, and I was given a supervisor named XXXX. He was very apologetic, but said the way it was handled was legal. Perhaps, but it wasnt fair, considerate or ethical. I told him I would have preferred starting off when I applied for the card last summer with a {$1600.00} credit limit, rather than after almost a year, being knocked down by about two-thirds ( probably why mine and my sons credit scores took a bit hit ). He assured me that the phone call was being recorded and that the people in management would hear my complaint. They better hear it! And they need to stop these underhanded business practices. I applied for a XXXX credit card only because my son goes to West Virginia University in XXXX, and there are more XXXX gas stations there than XXXX, XXXX and XXXX stations. When my son moves out of West Virginia, I will cancel this card. In the meantime, if First Bankcard pulls another arbitrary credit limit reduction on me, I expect to be informed faster than through standard mail. With all the money this bank makes from credit card customers, they can afford to do better than this!
02/20/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • VA
  • 23803
Web
Only two people had access to my First National Bank Of Omaha Visa credit card - myself, and my girlfriend - and we only used this card for specific purposes. When I noticed a purchase for XXXX XXXX ( total amount of {$5.00} ) post on XX/XX/XXXX that I did not make and which did not appear in my XXXX account, we immediately reviewed my girlfriends XXXX account to see if she inadvertently used it. There was no purchase in her XXXX account either. Once we confirmed we had not made the purchase, I immediately contacted your company via phone to report the unauthorized transaction. The prior card number ( ending in XXXX ) was shut down, and I was issued a new card number ( ending in XXXX ). I subsequently received a letter dated XX/XX/XXXX with information regarding the investigation. I later received a letter dated XX/XX/XXXX that advised that the investigation was closed, and the unauthorized transaction was deemed valid because I participated in the transaction and that the transaction was being added back to my account balance. Again, I immediately called your company to ask how this was possible. The agent I spoke with repeatedly referenced that we had made multiple prior purchases with XXXX that were not unauthorized, and while not saying so specifically, insinuated that because wed shopped there before, we had to have made the charge in question. This infuriated me, for a number of reasons. First, I work in the credit card industry, so I have first-hand knowledge that the information your agent provided around the fraud process is not accurate. Yes, we have made prior purchases at XXXX. Yes, one of those purchases was a valid XXXX XXXX transaction from XX/XX/XXXX. They have no bearing on the validity of the unauthorized purchase that is being reported. Second, if the transaction were valid and we participated in it, a. ) why does it not show up in either of our XXXX purchase histories, and b. ) why would I have reported it as unauthorized? Third, his statement that I needed to contact XXXX instead made no sense ; we had already confirmed that there was no purchase on either of the two XXXX accounts that would have explained the charge to the credit card. This falls squarely on the issuer to address as an unauthorized purchase from a compromised card. I requested the account be closed, and when he advised he could not complete that, I was transferred to an equally unhelpful customer service representative to complete the closure. They provided no information other than a curt response advising that the request was submitted. I requested that the account be documented on the reason for the closure as well, but have no way to confirm that occurred. I immediately went online and paid the balance, excluding this invalid charge ; I refuse to make any additional payments. Its not about the {$5.00}, its that your company a. ) doesnt understand how fraud protection is supported to work, and b. ) is willing to lose a customer over {$5.00} instead of addressing the fraudulent transaction. Those two points made this an easy and principled business decision for me to make. To summarize : - Neither myself nor my girlfriend made the {$5.00} charge in question. - I reported it as fraud as soon as I noticed it posted to my account. - The investigation concluded that since Id made legitimate charges with XXXX previously, that this charge must be valid, and told me to contact XXXX ... regarding a purchase that does not appear on either of our XXXX accounts ... - I have paid off the legitimate balance and requested the account be closed. You will receive no further payment from me, as the remaining {$5.00} is an illegitimate charge. - You lost a business relationship over {$5.00}. Additionally, I am requesting that you cease and desist all further contact with me regarding this account. I refuse to be harassed in any way due to the incompetent service Ive received to date. I can only hope that someone other than the agents can see the issue here and remediate the matter appropriately. Lastly, I am filing a complaint with the CFPB. Again, working in the industry, I know that this is not how the process is supposed to work, and the appropriate regulatory bodies should be made aware of the concern. The unauthorized activity on my account was just {$5.00} ; imagine how customers facing a much larger amount must feel if they are being treated similarly?
01/04/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 10308
Web
I am writing to respond to XXXX XXXX of First National Bank of Omaha 's response to our complaint regarding XXXX XXXX XXXX credit card with the bank ( CFPB Case No. XXXX ) regarding our request that {$11000.00} in gambling charges and fees be removed from XXXX XXXX XXXX account. In her response, XXXX says that " these transactions occurred from XXXX XXXX through XXXX XXXX, when you closed the account '' and that " during the time the charges in question were being made by XXXX XXXX, neither you nor XXXX XXXX sought to terminate XXXX XXXX ability to use the account, or informed FNBO of any concerns about the charges XXXX XXXX was making. Rather, the billing statements that reflected these charges were consistently paid. '' I did not know until the fall of XXXX, when I came to XXXX, TX to review my mother 's finances and put her in XXXX XXXX, that she even had a credit card with you, let alone that her grandson was using it. As soon as I found out what was going on, I closed the account, telling your company that I strongly suspected fraud on XXXX XXXX XXXX part, and I also asked for a copy of past billing statements. After I received the billing statements from XXXX XXXX to XXXX XXXX, I reviewed them and discovered over 250 mysterious charges that we determined where from offshore illegal gambling companies. Once we were able to ascertain what the charges were and totaled them up, we talked to your company on the phone about them, but were told you would n't remove these illegal gambling charges. After that, we submitted a claim with the Consumer Financial Protection Bureau on XXXX XXXX, XXXX with Case No. XXXX. FNBO 's position is that, according to the response they provided for this claim on XXXX XXXX, XXXX to CFPB, " FNBO relies on payment system operator policies and procedures designed to thwart unlawful Internet gambling. The UIGEA does not obligate FNBO to police proactively for potential illegal activities underlying charges made on credit card accounts. '' However, according to your own deposit agreement as seen at https : //www.firstnational.com/common/iws/pdf/deposit_agreement.pdf, you say on Page 25 of the document that " You agree not to use your account for unlawful internet gambling. We may block any Transaction that we identify as a restricted Transaction under the Unlawful Internet Gambling Enforcement Act of 2006 or other applicable law. '' On Page 32 of that agreement, FNBO also says that cardholders " agree not to use your card to engage in illegal activity or online gambling. '' It says nothing there about relying on " payment system operator policies and procedures designed to thwart unlawful Internet gambling '' while you stick your fingers in your ears and proclaim to be shocked, shocked gambling was going on with an FNBO credit card. No, the agreement says that you " may block any Transaction that we identify as a restricted Transaction under the Unlawful Internet Gambling Enforcement Act of 2006 or other applicable law. '' So why would you allow such transactions to go on? Why did your company not identify over 250 offshore gambling charges, with foreign transaction fees to XXXX and XXXX, when we could figure out what they were shortly after first seeing them? Most credit card companies can pick up such shenanigans quickly. Why did n't yours? Note that you are not denying that these are illegal online gambling charges. At any rate. you would think that after the 5th or 10th strange foreign transaction fee connected with a company with a name like " XXXX XXXX, '' that your computers ' algorithms would realize something was awry. Instead, you let over 250 such transactions go through without any issue, or with giving any alert to the primary cardholder. My mother was in her mid-XXXX by then, had XXXX XXXX, was not internet-savvy and did not grasp what her grandson was doing with the card. Instead, she paid the bills without understanding what those mysterious charges were. It was your company 's job to protect her, and you failed. So we are still seeking the sum of {$11000.00} to be removed from this account. If your company still refuses to take responsibility for this situation, we may be compelled to pursue other avenues to resolve this claim, including legal action. Thank you for your time and attention to this matter.
01/10/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OR
  • 97355
Web
I am writing to respond to XXXX XXXX of First National Bank of Omaha 's response to our complaint regarding XXXX XXXX 's credit card with the bank ( CFPB Case No. XXXX ) regarding our request that {$11000.00} in gambling charges and fees be removed from XXXX XXXX 's account. In her response, XXXX says that " these transactions occurred from XX/XX/XXXX through XX/XX/XXXX, when you closed the account '' and that " during the time the charges in question were being made by XXXX XXXX, neither you nor XXXX XXXX sought to terminate XXXX XXXX ability to use the account, or informed FNBO of any concerns about the charges XXXX XXXX was making. Rather, the billing statements that reflected these charges were consistently paid. '' I did not know until the fall of XXXX, when I came to XXXX, TX to review my mother 's finances and put her in assisted living, that she even had a credit card with you, let alone that her grandson was using it. As soon as I found out what was going on, I closed the account, telling your company that I strongly suspected fraud on XXXX XXXX 's part, and I also asked for a copy of past billing statements. After I received the billing statements from XX/XX/XXXX to XX/XX/XXXX, I reviewed them and discovered over XXXX mysterious charges that we determined where from offshore illegal gambling companies. Once we were able to ascertain what the charges were and totaled them up, we talked to your company on the phone about them, but were told you would n't remove these illegal gambling charges. After that, we submitted a claim with the Consumer Financial Protection Bureau on XX/XX/XXXX with Case No. XXXX. FNBO 's position is that, according to the response they provided for this claim on XX/XX/XXXX to CFPB, " FNBO relies on payment system operator policies and procedures designed to thwart unlawful Internet gambling. The XXXX does not obligate FNBO to police proactively for potential illegal activities underlying charges made on credit card accounts. '' However, according to your own deposit agreement as seen at https : XXXX, you say on Page 25 of the document that " You agree not to use your account for unlawful internet gambling. We may block any Transaction that we identify as a restricted Transaction under the Unlawful Internet Gambling Enforcement Act of XX/XX/XXXX or other applicable law. '' On Page 32 of that agreement, FNBO also says that cardholders " agree not to use your card to engage in illegal activity or online gambling. '' It says nothing there about relying on " payment system operator policies and procedures designed to thwart unlawful Internet gambling '' while you stick your fingers in your ears and proclaim to be shocked, shocked gambling was going on with an FNBO credit card. No, the agreement says that you " may block any Transaction that we identify as a restricted Transaction under the Unlawful Internet Gambling Enforcement Act of XX/XX/XXXX or other applicable law. '' So why would you allow such transactions to go on? Why did your company not identify over 250 offshore gambling charges, with foreign transaction fees to XXXX and XXXX, when we could figure out what they were shortly after first seeing them? Most credit card companies can pick up such shenanigans quickly. Why did n't yours? Note that you are not denying that these are illegal online gambling charges. At any rate. you would think that after the 5th or 10th strange foreign transaction fee connected with a company with a name like " XXXX XXXX, '' that your computers ' algorithms would realize something was awry. Instead, you let over 250 such transactions go through without any issue, or with giving any alert to the primary cardholder. My mother was in her mid-XXXX by then, had bad eyesight, was not internet-savvy and did not grasp what her grandson was doing with the card. Instead, she paid the bills without understanding what those mysterious charges were. It was your company 's job to protect her, and you failed. So we are still seeking the sum of {$11000.00} to be removed from this account. If your company still refuses to take responsibility for this situation, we may be compelled to pursue other avenues to resolve this claim, including legal action. Thank you for your time and attention to this matter.
04/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • WI
  • 54701
Web
I have a XXXX with first bankcard. Recieved it in XXXX. I set up autopay through my bank, and paperless statements. I work two jobs, so I set this up for convenience, that way I didn't expect to ever need to look at balances, statements etc. I have used this card 4 times since I got it. 2 times in XXXX, and 2 times for gas in XXXX. It is my emergency use card, so I never touch it. I recently checked my account and saw that I've been getting charged 2x a month since XXXX of XXXX. I never looked at this card balance, bcuz it should have been paid in full a long time ago, so I didn't even bother to look at the statements. I called them immediately upon seeing this. They closed the card and started a fraud claim. They sent me a letter denying my claim, stating that these were purchases I made, based on what the company charging me has on record for personal info. This is NOT legit. They claimed at first that no one uses a hacked card to make monthly payments, which is false. That has happened to me before with my own banks check card. These companies that have billed me are almost all specifically XXXX. And in almost every case they have billed my card the exact same amount, no matter what company is charging me. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX. All of these companies have billed me the EXACT SAME AMOUNT of 44.62. 2x a month I was billed 44.62 by at least 2 of these companies. I have dug up as much info on these companies as I can, but they are all very obscure, with very generic ( and frequently the same XXXX websites. It looks like most are third party online payment processes. XXXX is a website called XXXX XXXX, which is a website by and for women. I believe from what the homepage is, it's soft core romance stories. But seeing as how I'm not a woman, this doesn't make sense why I would have given them 44 a month since XXXX. One business has been billing me for 2 different XXXX sites, but I wrote the names down when this first started and can't recall them now. One was interracial XXXX and one was about XXXX housewives. Once again, im definitely not into interracial XXXX, and have never visited ANY of these sites until I started investigating this. XXXX has the same site management address as XXXX XXXX XXXX XXXX has numerous complaints about ppl getting billed for purchases they never made. XXXX, XXXX XXXX XXXX XXXX all have the same XXXX address. And none of that makes any sense to me. I have never subscribed to any XXXX site, I don't know why anyone would. Theres plenty of free stuff out there if I had any interest. Yes, I do realize that I have been getting billed at least 89 a month since XXXX, and because I'm an XXXX and believed the bank would protect me from fraud, I never looked at my account. Why would I need to when I have autopay of XXXX set up, paperless statements, and have only used the card 4 times total, and the last times were in XX/XX/XXXX for 34 dollars in gas, and XXXX of XXXX for XXXX in gas, so it should have a zero balance. I do understand that I SHOULD have looked at my statement, but I never expected I NEEDED to. This is a card I only had for emergencies, or large purchases, so I never bother to look at it. If there's any way I can dig up what sites I have visited in the last few years, I will gladly show that as proof that I have never ever been on XXXX XXXX XXXX XXXX XXXX XXXX, the other two I mentioned earlier, or any of the other sites I've been getting billed for that I haven't found info on. All these sites? All billing the EXACT same amount? Most from the same location? 2 that have ties to one another 's address, but are 2 completely different things? Numerous complaints for charges customers have never made at a few of these places? Half have the same generic contact page, down to the images on it, but ABSOLUTELY no other info? I've never even HEARD of any of these XXXX XXXX companies, businesses or anything, let alone visited any of them. I have lost sleep over this. I've spent HOURS investigating this. And yet my credit card company is saying they are legitimate purchases, based on the fact that that these companies have some limited info on me. Please help me. I've already lost over XXXX because of this. Thank you, XXXX XXXX
08/12/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • KS
  • 66062
Web Older American
I previously wrote a complaint to the CFPB about the problems on our recent mortgage refinance. The problems are continuing and First National Bank of Omaha failed to properly address the problems when replying to the previous complaint. In XXXX, we received a notice from the XXXX County Tax Assessor 's office stating our taxes were delinquent. Despite escrowing the taxes and insurance when we refinanced back in XXXX, First National failed to pay them. My wife addressed the problem with XXXX XXXX, the branch manager in XXXX, and I filed a complaint with the CFPB and our state attorney general. At the time, the claimed it was an oversight. They then paid the taxes with the late penalty. They replied to the attorney general and the CFPB stating the taxes were paid. About two weeks later, we received a message from a person named XXXX in their mortgage department. She left a message stating they were needing to go through escrow options which made no sense because this was all taken care of when the loan closed. When my wife called her back, she stated they didn't properly collect closing costs at the time of close. Nearly XXXX XXXX in closing costs. My wife stated we had initially received documents stating around XXXX XXXXXXXX was needed at close, but the loan officer stated this was a mistake and we would receive adjusted closing costs prior to close of {$0.00}. She stated this in writing by e-mail and over the phone. XXXX stated we only had two options : adjusting the payment over 24 months or 12 months. The lesser of the two would jump the payment about {$60.00} a month. As my wife discussed with XXXX over the phone, XXXX XXXX, our loan officer, as well as the loan processor, clearly should have drawn up documents correctly. This was a refinance done done with them -- they were not paying off another lender. We did it to lower the APR, to lower the term, and to make our payment no more than {$1600.00} per month. We refinanced out 1st and HELOC loans into one. We made an exception and increased the payment to {$1600.00} when we decided shortening the term to 15 years would be the best option. It is absolutely rdiculous that they disclosed this loan inproperly in writing by e-mail, over the phone, and by loan documentation. XXXX clearly stated that closing costs would be adjusted to {$0.00}, defining it as adjusting costs such as settlement and processing fees. No mortgage company in their right mind adjusts it to {$0.00} through escrow costs, lets the taxes go past due, and then adjusts it to a higher payment after getting called on for doing loan paperwork incorrectly. As I stated to XXXX over the phone, because they stated closing cost would be adjusted to {$0.00}, the need to rework the settlement statement and adjust and absorb costs listed. I have discussed this with a friend who is a compliance director with another mortgage company and she stated they should make adjustments since they clearly promised they would do so in writing prior to the mortgage closing. This friend also ran the scenario past their legal department and they agreed. XXXX stated they would get back with us on this and they have not done so. She stated she would forward the problem to the head of the mortgage department, XXXX XXXX, as well as the president of the complaint department. This was on XXXX. To date, we have yet to hear a reply. I am attaching the e-mail correspondence from XXXX XXXX. I am also filing another complaint with our state attorney general. Finally, First National Bank has not been properly reporting our mortgage payments to XXXX, XXXX, or XXXX. Some months they list that we have made the full payment, others double the payment, and other months half of the payment. We always paid our full payment each month by the XXXX. They was they are reporting it, it makes it look 1-29 days past due, like we can't afford to make our payments as agreed. We have disputed the payments with the credit bureaus.
04/28/2015 Yes
  • Credit card
  • Billing disputes
  • OH
  • 44136
Web
I paid my credit card via the issuers website on the day it was due. I received a letter from them XXXX week later stating that my bank had indicated that the information submitted was incorrect and I was charged a {$20.00} late fee. I immediately called the credit card company and was told that the late fee could not be removed because I inputted an incorrect checking account number. I realized, after I had hung up, that my checking account information was saved on the credit card 's website and I could not have inputted it incorrectly because it was already there. All I did was enter the payment date and amount. I then called my bank ( there was no information regarding this transaction on my bank website ) and was told that the reason the payment was rejected was because the " 0 '' was omitted from the beginning of my checking account number when it was sent to them for payment. I called the credit card company back and spoke to someone in Credit Card Accounting. I was told that my checking account information was incorrect ; therefore, my payment was late and the fee was assessed. I tried to explain that I do not work for the credit card company or the bank and my checking account information was saved to " their '' website. How could I have entered the information incorrectly? She told me she would remove my checking account information ( and did so immediately ) from my account and I would have to re-enter it so I could make the payment again. I was then transferred to the credit department to see if they would waive the {$20.00} late fee. The person I spoke to was very rude and actually hung up on me. He told me that there was no payment account information associated with my account. When I tried to explain that was because the woman I spoke to before him had removed it he accused me of trying to blame her for my late payment. I said, " I 'm not blaming her for my late payment. I 'm telling you that is why there is no checking account information associated with my account. Because she just removed it. '' Not long after that was when he hung up on me. I called back and spoke to someone else and explained the same thing to him. How could this be my fault when all I did was enter the amount and payment date? He put me on hold to " speak to his supervisor '' and came back and said that his supervisor refused to waive the late fee and that I should make my payment. I asked if I could make the original {$50.00} payment or if I had to make the new {$57.00} payment they were now asking for. He stated that I could make the original {$50.00} payment but that if the remaining {$7.00} was not paid by XXXX XXXX, XX/XX/2015 that my account would, again, be late. I told him that I was not looking to get out of making any payments and that the XXXX payment would be made just like XXXX, XXXX and every other payments had been. That 's when I got a little heated and told him that that is how big banks make their money ... by screwing the little people who have no recourse. He actually told me that I should contact my bank again because even if the " XXXX '' had been omitted from the account number they still should have put the payment through. Unbelievable! How can I be charged a late fee for a mistake that I did n't make? I understand that this is all done electronically now but, is there not someone at the credit card company whose job it is to enter this information? Accounts receivable, maybe? This is no longer about a {$20.00} late fee on a {$50.00} payment, but the principle of the matter. Everyone at the credit card company that I spoke with insisted that I omitted the beginning XXXX from my account. I asked each XXXX of them that if that were the case how did they get paid in XXXX ( and every previous month ) without a problem? I 'm still waiting for an answer. I believe it 's more of a " the XXXX at the beginning of an account do n't mean anything '' mentality on the credit card company 's part.
09/02/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • NY
  • 13827
Web
I initially forwarded my complaints to the incorrect agency, so I apologize if you receive duplicate complaints. I had opened an account on XXXX/XXXX/16 through FNBO Direct, to which was open without issue until I had my student loans ( XXXX ) deposited on XXXX/XXXX/16 in the amount of {$15000.00}, to which the bank has held my funds and will be now closing my account, but first holding onto the funds for a period of 15 days including the first hold that was placed on my direct deposit. I first called the bank and also e-mailed the bank whether student loans being direct deposited in this amount would be alright given that the account is somewhat recent and I have to pay for my semester living expenses/bills and I was told yes ( I can provide all documentation ). These funds were posted 2 days later on XXXX/XXXX/16 ( despite the disclosure agreement stating the same day ), and once they finally posted late, I was able to use my checking account debit card for the day they were deposited, but then they put a hold on my account with no notification given for a period of 24 hrs ( this had devastating consequences - I was unable to eat or get things I needed for the academic year, and the bank made no accommodation - since FNBO Direct is an online bank they could have notified me that they were going to hold the funds instead of allowing access then denying access, as it is stated in the disclosure statement that I must be made aware if any funds are being held if you read the disclosure statement which is brief in comparison to other banks ). The following day the hold was released and I was able to make some purchases, but when they first placed the hold on XX/XX/XXXX, they first just about accused me of fraud by saying on the phone that the " First National Bank of Omaha can hold my account funds at any time and they need to protect the bank from fraudsters. '' I had filed a complaint with the wrong agency ( the complaint will be forwarded I received notice ) after this had transpired. Next, on XXXX/XXXX/16 I made a series of purchases, paying primarily for bills, taking money out of the ATM to get a money order for some other bills, and a couple purchases for things I needed to furnish my apartment at XXXX and XXXX XXXX, but when I went to pay my mechanic the card was declined, I found out the real truth that they were holding onto my funds for another 10 days. After talking to the bank for over an hour on the phone, I found out that they were closing the account and that the risk department would hold all my money {$8300.00} for 10 days before closing the account, since " the bank needs to protect itself against fraud. '' After speaking with a supervisor I was told that they would try to release some of the funds since I was not notified that they were going to do this ( and told that they would send a letter in this instance that they would close the account ), but having no notice to close the account left my in a position of devastation. I have felt discriminated against for making purchases that are primarily bills and are purchases that will get me through the academic year, and because of this, I have {$0.00} and was unable to pay rent on XXXX/XXXX/16. I have not had food in 2 days ( again ) since I have no outside resources to help me and I specifically inquired whether the direct deposit would be alright in the first place and was told it should be fine as will be shown in the documentation from the online secure message center. Nobody will get back to me to let me know when I will receive my money, since I was most recently quoted that I would be sent out a check on XXXX/XXXX/16 but also told that was wrong and it would be XXXX/XXXX/16. I do n't think I 'll survive that long on {$0.00}, when I will likely be evicted and will be in starvation mode at that point in time. They could at least wire the funds to another bank since that is an account closing option.
10/24/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95055
Web Older American
COMPLAINTANT 'S ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE OF COLLECTION NOTICE : XXXX XXXX, XXXX ACCOUNT NO.-LAST 4 DIGITS- XXXX Current Bal. : {$3000.00} PAYMENT : {$480.00} Two months ago, I wrote to XXXX XXXX XXXX XXXXXXXX, Disbute address : First National Bank of Omaha, XXXX XXXX, XXXX, XXXX XXXX, after phoning numerious times to Customer ServiceXXXX ( XXXX ) XXXX, concerning a " BOUNDED PAYMENT OF XXXX XXXX-made on-line ) on XXXX XXXX. Also XXXX, recieved a payment via my bank on XXXX XXXX, XXXX {$35.00}, which was my regular minimuim payment requirement. NO RESPONSE FROM XXXX XXXX XXXX Disbute Department. I phoned XXXX, to state I did NOT AUTHORIZE NOR SEND THIS PAYMENT OF {$420.00}, but did claim the payment of {$35.00} as mine that I authorized my banking instutuion to send on " bill pay '' schedueling. I explained, This payment must of been issued by my Trustee, unknowingly to myself. For if I knew, Trustee would be sending such a hugh payment, then I would not of mailed my {$35.00} payment requirement. I then asked XXXX, why did XXXX do a CHARGE-ON TO MY ACCOUNT, WHEN I DID NOT AUTHORIZE THIS PAYMENT? XXXX explaination was they did not do a charge on, but an reverse charge. I stated if a reverse charge was done, then my balance WOULD BE NOT OVER LIMIT. XXXX insisted she was correct, but statements and collection notices state otherwise. I made my last phone call to XXXX XXXX XXXX XXXX on this date of XXXX XXXX, XXXX, Once again stated to go after Trustee whom bounced the payment, XXXX added payment as a charge on to my account plus additional fees and late charges onto this amount now claiming to also be owed to XXXX., while I continue to make my required monthly payment, NOW EXCEEDING THE REQUIRED XXXX per month regular monthly payment that XXXX, keeps attaching to my account, due to a fraudulent payment I DID NOT AUTHORIZE! COMPLAINTANT 'S CHECKING ACT-Ended in XXXX. TRUSTEE : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX ( XXXX ) XXXX TRUST CHECKING ACT # ending in XXXX. TRUSTEE and I exchanged : " XXXX '' on-line information previously, because I asked that this credit card balance be paid in full several times in the past. I assume XXXX, recieved their respective balances. Since my last request to Trustee, went unanswered. Found out, Trustee had put a " BLOCK ON HER CELL PHONE '' TO BLOCK MY INCOMING PHONE CALLS & TEXT MESSAGES. I UNKNOWLY DID NOT REALIZE THIS WAS PLACED AGAINST ME OR WHY. Then out of the blue, I saw that payment of {$420.00}, come to my account, and in " Good faith '' that Trustee, was comitting a " Good Will Gesture '', by sending an additional payment. Later found out, by watching XXXX cell phone App., this was not the case., which prompted me to phone customer service, and write a letter to disbute this charge on payment that XXXX did not respond back on but rather to go directly into collections piling on hugh fees and late charges onto a payment I DID NOT MAKE, SEND, AUTHORIZE, PROOF IS MY REGULAR PAYMENTS STILL BEING MADE OF MYSELF EACH MONTH. TRUSTEE HAS BEEN CAUGHT SELF DEALING OUT OF 2 TRUSTS IN OUR FAMILY. First F.A.S.T. Investigation into stolen trusts had been closed, due to insuffficent documentation. But recently and on this date has been reopened for further investigation by : DISTRICT ATTORNEY 'S OFFICE COUNTY OF XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone- ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX There is nothing more I can do, nor discuss because XXXX XXXX XXXX refuses to discuss this matter as a disbute issue and XXXX XXXX XXXX blantly and addamently wishs to presume monitary gain of unjust fees, interest, late charges to promote their consumer into bad credit ratings, just to make a buck.
02/18/2017 Yes
  • Credit card
  • Credit card protection / Debt protection
  • AR
  • 72801
Web
I have been a XXXX guest member for many years. In XXXX I received a CC offer from First Bankcard ( XXXX XXXX ). I was given a {$1000.00} limit. I live in XXXX. In XXXX my daughter was traveling in XXXX, XXXX. I authorized one night 's charge on my First Bankcard ( XXXX XXXX ). I was assured my # was not going to be given out. The receipt would have the last XXXX of the card # but that was it. XXXX was the person at XXXX XXXX who helped me. They allowed my daughter to charge 2 nights. I told them to rescind and tear up the approval, and that I would handle the 2 nights but NO MORE. XXXX assured me it was taken care of. My daughter XXXX XXXX is a XXXX and has lost her way. I have only talked to her sporadically over the last 8 months. She left that hotel and went to a cheaper one. I was able to use the card for anything. I have been building my credit for several years and would buy gas or meals here, where I live. I paid on my account every 2 weeks. On XX/XX/XXXX, when I tried to log into my account it was locked. They use genealogical questions for security. I did n't really think anything except I am old and have many passwords. I had to call in and speak to a rep. She got me logged back in. It seemed like my balance was higher than it should have been, but not much. I paid my payment ( never minimum, always more ). Two weeks later, the same thing happened. I was locked out of my account. When the attendant got me back in my balance was over {$1000.00}. I freaked out. She informed me more charges were pending. It was at the XXXX, XXXX. They canceled my credit card and put in a fraud report. Saying they were going to issue me a new card. I paid my payment, of my legitimate charges which were at that point about {$200.00}. I am a XXXX XXXX member and log in every two weeks. That is when I saw that they closed my account, and then upped my credit limit to {$1300.00}. That was the amount of the balance after the fraudulent charges. The next two weeks I called in a check payment because I refuse to log into the online system now. The next week on XXXX XXXX I notice they added the new maxed out card and my closed account. I still have n't gotten the card. I called up XXXX. She said, " oh there is lots of fraud, your complaint is just taking a long time. '' I have made many calls and every 2 weeks still make a payment. I just got a letter denying the fraud because I approved charges for 1 night in XX/XX/XXXX. I did not authorize any charges in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, or XX/XX/XXXX. I did not give my daughter her own card. If I was allowing her to use my credit I would have issued her a card. Someone from First Bankcard and/or XXXX made her an agent of my credit. Not me. I am a genealogist my daughter knows all of our relatives. She still should not have been given access to my credit. No one ever called me. They allowed the charges to go over the limit and now they say it is " family fraud. '' I have legal shield through work, and am going to try to file a police report from here in XXXX, XXXX, because I was unable to file one in XXXX. I have attempted to contact the hotel but get the runaround. The fraud department from First Bankcard called my place of employment and left a lengthy message, the case number and who they were. I have never been delinquent or in the wrong, I can not believe they put my business out there like that. The manager XXXX ( XXXX ) called XXXX day XXXX/XXXX/XXXX during work hours and left a message on my cell, I have not been able to make contact with her. XXXX ( XXXX XXXX ) has given me the runaround and hung up on me before. At this point, I am stuck paying enormous interest and a fraudulent bill. My attorney is going to help me, but I did n't do anything wrong or risky. XXXX and 1st Bank erred.
06/14/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TX
  • 77706
Web
I was the victim of a scam and feel as though the crdeit card company was complicit in the scheme ( whether knowingly or not. ) The scheme could not have worked without the credit cards process that i find to be at fault. I was beginning to work for company and as a part of my probationary period I was to make purchases. The first of these purchases were XXXX XXXX Gift Cards. I was to use a credit card that had a high balance on it. The company employing me would make a payment on this balance and then I would use the resulting credit to purchase the XXXX XXXX gift cards. I used the credit cards mobile app to see when the payments were made, when the credit was available and when the charges for the gift cards would appear on my account. My starting credit card balance was a little over {$7000.00}. The company employing me authorized a payment to my credit card on X/XX/17 in the amount of {$4500.00}. When that showed on the credit cards mobile app as available credit on X/XX/2017 ... I used the avaiable credit to buy {$3900.00} in XXXX XXXX cards. The company employing me instucted me to make a XXXX XXXX dollar payment to my credit card when the first XXXX XXXX purchase was applied to my balance. So on XX/XX/2017 I made a {$6100.00} payment from thier bank to my credit card account. When that payment resulted in the mobile app indicating I had the available credit on X/XX/2017, I purchased another {$6000.00} worth of XXXX XXXX cards. I waited until the charges for those cards appeared on my credit card mobile app and then as instructed on X/XX/2017 I made another {$6100.00} payment from my employers bank to my credit card. When that payment showed as available credit on the mobile app on X/XX/2017, I made another purchase of {$6000.00} worth of XXXX XXXX cards as instructed. The alledged employer cashed out the XXXX XXXX Gift Cards before I was aware. Subsequently the alleged employer reversed all the payments to my credit card and left me with a balance owed of over {$24000.00}! When I spoke with my credit card company about it they informed me that a bank has 15 days to reverse it 's payment to the credit card. My question then is why did the credit card company show that the payments were good and therefore I had the credit avaialable. I never would have charged the XXXX XXXX cards had they waited the 15 days to show the credit was available. The payments would have been reversed before then and I would have not had the credit available. I feel my credit card company aided in this scam by showing available credit when they should not have. I spoke with the credit card company several times and no one could answer my questions about why the available credit showed on my mobile app. They said it was standard procedure to post payments on accounts before the 15 day reversal period is over. How can that be? It would seem that scammers know that! It would even seem that maybe the people pulling off the scam have a very deep knowledge of credit card flaws and how to abuse people using them. The scammers may even be ex credit card company employees ... or current employees! What matters here is that a flawed policy has left me owing a balance that I will never be able to pay back. If I make minimum payments it would take XXXX years ( I will be XXXX years old. ) Making the minimum payments ... I would pay back over {$61000.00}! It is easy to see that the system allowing credit when it should not be allowed has seriously injured me and my family financially. I am also apply for work for which I need a government license and this may hurt my chances there as well. All because of a flawed process by the credit card company for which I firmly believe they are liable.
05/19/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 91605
Web
I notice d FNB Omaha on m y credit file and did not know what is was for. I am a victim of identity theft and filed a police report, FTC claim, and put alerts on all XXXX bureaus in XX/XX/XXXX . I have been able to resolve alot of the issues, but for some rea son FNB Omaha still rem ains an issue. I have sent them a copy of the police report and disputed it since XX/XX/XXXX . The information they 've provided me with is the following : My name, date of birth, social security, and address, which were all mine. The problem is I never had an account with them or ever applied or authorized an account opening. After my dispute and attempt to get this account out of my name and off my files they deemed it legitimate. Here 's the information they gave me : - a check with my name and address at the top from some authorized signer in the amount of {$35.00} which was not cleared. I asked them who endorsed the check? and they claimed that it was an automatic payment which never cleared. Then they spoke to someone who was supposed to be me who told them : '' it was a fraudulent account and would call back with new account information. '' Also they notated " do not delete tradeline '' on the account. Then they claim the account has been sitting there for 2 years just dormant even after I made a fraud claim. It still remains on XXXX of my credit files. I have never received any mail or calls regarding this so-called legitimate debt. I was also informed there were alot of auto charges on it, rental cars, and charges in states I do n't even reside in. Lastly, I told them I never heard of them or ever had this account. If it was legit : I asked them to simply do 2 things : T ell me how it was applied for and where was the card sent. They are unable to provide that information and said they sold the account. How could a bank sell a fraudulent account? After sending them a final affadavit in XX/XX/XXXX , they sent me back a letter stating they received my dispute and stated that " any failure for them to provide me with any information or documentation I 've requested does not mean that I do n't owe the debt or that I 'm not obligated to pay the debt. '' They said I 'm responsible for the following reason s : 1. I o pened the account XX/XX/XXXX ( which I never have and asked them how was it opened. I live in XXXX XXXX how did I get an account fro m Omaha which I never heard of ) 2. The address I provided in my dispute letter matches the address provided at account opening and which periodic statements have been mailed. ( which made me ask for proof of how it was opened via online, phone, or walk-in. They should have that info since they claimed it was provided at account opening. Plus, they sent me 3 co pies of statements in this response with due dates o f XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX showing just the total amount with my name and address at the top. Like I said photocop ies. Plus, the represenative told me they sold the account. None of this makes sense. ) 3. I 've mad e payments on this account affirming my responsibility for it. ( They sent me a photocopy of a check issued by XXXX XXXX XXXX XXXX who I never banked with and it included an authorized signature from some unknown for {$35.00} whic h never cleared. ) 4. Copy of My billing rights. 5. A copy of my dispute letter which included a copy of my license and ss card which I 've provided with the affadavit as authe ntication. If they do n't resolve it immediately I 'm going to have to file a motion and pursue litigation.
07/12/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • TX
  • 76001
Web Older American, Servicemember
My credit card account with a credit limit of {$2400.00} was opened in the year XXXX. I have used this card to make purchases, most recently after XX/XX/XXXX but before XX/XX/XXXX. I paid off the balance due before it was due just prior to the end of the month of XX/XX/XXXX. I have been expecting a replacement card to arrive in the mail, as all of my other replacement credit cards from other banks come to my mailbox, since this credit card expired the last day of XX/XX/XXXX. However, it is now XXXX and I have not received the replacement credit card from the issuing bank. Therefore, today I called the bank that originally issued to me the credit card in the year XXXX and spoke to one of its agents at length about why I have not received a replacement credit card from a bank with which I have maintained an excellent relationship by paying as agreed all balances due on my credit card since the credit card was established five years ago. Never have I ever been delinquent to pay any balance due to this bank and I have maintained perfectly my end of the written agreement that I signed prior to the bank issuing to me the credit card I received from this bank in the mail in XXXX. The customer service agent employed by this bank that I spoke with on the phone today stated that the bank had sent me a notice that it would close my account due to inactivity if I did not use the credit card. I never received the notice the customer service agent claimed the bank had sent to my address that has not changed in over twenty-five years. Therefore I believe that either the issuing bank or the customer service agent I spoke with was at the least disingenuous in the claim that a notice informing me that my credit card account would soon be closed due to inactivity had been recently sent to me, prior to my having used this credit card to make a purchase last month, as I have no problem receiving all other mail properly mailed to my address of over two and a half decades. The customer service agent stated to me today that the only way that I can receive a replacement credit card is to formally reapply for a new credit card account with this bank which will require me to fill out a new application for a credit card and will permit the bank to make a hard pull inquiry with the credit bureaus which will negatively affect my credit scores with the credit bureaus. I do not wish to reapply for a new credit card because it is simply not necessary in that I have maintained a perfect relationship with this bank for five years, have never been delinquent on my account, and contrary to what the customer service agent claimed on the phone today, I have been actively using this credit card by charging merchandise to this card and paying the balance due before the due date prior to the cards expiration date of XX/XX/XXXX. On top of that, I never received notice from the bank that my credit card account was about to be closed due to inactivity as was today wrongly claimed by the banks customer service agent. This dispute should not exist to start with for all of the reasons I have explained that can be easily verified in my account record with this bank that can not prove that it sent, or that I received, a notice in the mail that my account would soon be closed due to inactivity. The right thing for the bank to do to maintain the excellent relationship we have enjoyed for five years is to immediately send to me by mail the replacement credit card to replace the credit card that expired on XX/XX/XXXX.
07/18/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 32934
Web Servicemember
On XX/XX/2019 I made reservations for a room at a XXXX XXXX XXXX on XX/XX/2019 for a charge of {$200.00}. I agreed to a no cancellation. The reservations were made using a third party website. At the time of my arrival I saw signs all over the parking lot stating that there was a fee for parking. I was very confused because no where in my reservation had it said there would be a parking fee. When I entered the lobby I asked the receptionist about the fees. She quickly responded with " Yes, there is a {$12.00} overnight parking fee. '' I stated that I was not aware of any parking fees. She responded with " Yeah, they just started charging for parking. '' I was pretty upset that not only was I about to pay over {$200.00} for 1 night at a hotel but there were other hidden fees on top of that. I tried to handle the situation with the receptionist at the front desk and was told that " There is nothing she could do and if she could please have my credit card and drivers license to put on file. '' I told her no. I wasn't going to stay at a hotel that lies and has hidden fees. I quickly called my credit card company First National Bank to dispute the charge. I felt lied to and cheated to and the employees did nothing to help with the situation. We also contacted the supervisor of the hotel and left him a message and he never contacted us back. My credit card company investigated the dispute and found that I did not owe the company any money and I was not charged for the hotel. A few weeks went by and I received a letter in the mail stating that the hotel was now disputing the charges and I was to respond if I still disagreed. I sent my response. Not even 2 days later I get another letter in the mail post marked with the same date I mailed my response stating that they would be siding with the merchants evidence and will no longer be representing me in the dispute. That I would now have to deal with the issue directly with the merchant. I called and told them how insane that was seeing as they were given the option to dispute my dispute but I did not get to argue their dispute. I was simple dropped by my credit card company in the dispute. But they were still going to charge me and still want their money. The reason being they are siding with the merchant is because I agreed to a no cancellation fee. They are also trying to say that I knew of the parking fees when I made the reservations. Which I did not. The evidence they provided were reservations made from their website. Which is not the website I used to make the reservation. The third party website did not list anything about parking fees. Their corporate website does. If I had known about the parking fees I would have never made the reservations. So, my complaint is that my credit card company has just decided to side with the merchant and not even hear me out. After they gave me the opportunity to respond. They quickly took it back before they even received my response. I've already tried to handle the situation with the merchant and got rejected and now my credit card company told me I need to deal with the merchant to handle the issue. Obviously, I went to my credit card company because the merchant did not want to assist me. Plus, the merchant partially lied on their dispute stating they offered to waive the parking fee. Which they never did. If they had offered to wave the parking fee. I would have stayed the night at the hotel.
12/20/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 34681
Web Servicemember
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
04/24/2015 Yes
  • Credit card
  • Payoff process
  • GA
  • 30005
Web
The Banks holding Credit-Card Debt are UN-FAIRLY manipulating their " Payment Allocation '' ( methodology ) to FAVOR " Pay-Down '' of LOWER Interest-rate " Remaining Balance-Due '' while INCREASING those " Remaining Balance Due '' amounts remaining at HIGHER Interest rates as-follows : See Your " Charge Summary '' as those " Line-Items '' depicting ( Your ) various " Purchases '' or " Cash Advance '' or " Balance Transfer '' or " Special/Loan/Program '' followed by It 's " Terms '' itemized as " APR '' with " Fixed Interest '' ( terms ) depicted as ( f ) and " Variable Interest '' ( terms ) depicted ( v ), then followed by " Balance Subject to Interest Rate '', then " Days Rate Used '', and finally that " Interest Charged '' ( You ) over those ( Days ) It was accrued as-such. Whereas I have XXXX ITEMS on My " Charge Summary '' for them to " Allocate Payment '' - and DESPITE that I PAID OVER {$36.00} MORE THAN My " Minimum payment Due '' of {$240.00} ( for actually paying {$280.00} ) - The Banks " Payment Allocation '' rather went-down exampled as-follows : ( A ) " BT SPECIAL '' ( Balance Transfer Special ) amount of {$10000.00} held@7.99 % ( v ) RATHER INCREASED {$1.00} to {$10000.00} for NO PAYMENT ALLOCATION WHATSOEVER ~ AND DESPITE ME PAYING MORE THAN {$36.00} ABOVE the " minimum-payment due '' AND well-before It 's " Due Date ''. ( B ) " BT SPECIAL '' outstanding-balance of {$600.00} held@7.99 % ( v ) DECREASED to {$570.00} for the " Payment Allocation '' to It of {$29.00} ( C ) " BT SPECIAL '' outstanding-balance of {$1800.00} held@5.99 % ( f ) DECREASED to {$1600.00} for a " Payment Allocation '' of {$170.00} ~ Indeed HERE is where THEY apply THE LION-SHARE of that {$280.00} " Payment '' ... toward paying-down what " Balance '' I 've secured at Low/Fixed-Interest :? IT 'S A PROBELM TO CONSUMERS WHEN " PAYMENT ALLOCATIONS '' ARE RATHER MIS-ALLOCATED TO RATHER CAUSE AN INCREASE IN OUTSTANDING DEBT! IT 'S A PROBLEM TO CONSUMERS WHEN PAYING THE MINIMUM PAYMENT DOES N'T AT-LEAST ABATE " NEGATIVE AMORTIZATION '' ( Growth vs. Reduction ) OF ONES " DEBT ''!! IT 'S A PROBLEM TO CONSUMERS WHEN PAYMENT ALLOCATIONS RATHER PERPETUALLY INCREASE THOSE BALANCES " REMAINING '' AT HIGHER INTEREST DESPITE ONE MAKING MORE-THAN THE " MINIMUM PAYMENT DUE '' BECAUSE IT 'S UN-FAIR AND ETHICALLY WRONG!!! The Example again : Whereas My " Minimum Payment Due '' was {$240.00} - and I rather-paid {$280.00} - My " XXXX XXXX BT Special '' @ 6 % FIXED APR " Balance Subject to Interest Rate '' ( Balance Outstanding ) DROPPED for a payment-allocation made toward IT of {$170.00} ... BUT My " XXXX XXXX BT Special ''@7.99 % VARIABLE INCREASED for an additional {$1.00} BEING ADDED TO IT ... THIS DESPITE PAYING MORE THAN THE " MINIMUM-PAYMENT DUE '' PAYING THE " MINIMUM PAYMENT DUE '' SHOULD ALWAYS AT-LEAST SATISFY MAINTENANCE OF THE ACCOUNT STATUS-QUO vs. INDUCE ANY NEGATIVE AMORTIZATION ~ AS IT IS RATHER DOING EXACTLY AND DESPITE ( ME ) MAKING MORE-THAN THAT " MINIMUM PAYMENT DUE ''. This has gone-on for years now despite MINE AND OTHERS protests to " Creditors '' and SHOULD therefore now go to FEDERAL Court as a Class-Action Lawsuit to STOP IT!!! This CURRENTLY ALLOWED PRACTICE OF THE BANKS is an UN-FAIR manipulation of that methodology employed to calculate " Payment Allocation '' and IT MUST STOP NOW with Mine, Yours, and Our protest TODAY, Thank You.
06/23/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • OR
  • 97086
Web
Hello, Beginning in XXXX our new Stmt for our XXXX MasterCard arrived. I paid the entire amount in full. Pmt due date was XX/XX/XXXX, pmt arrived XXXX, No problem. Next Stmt, reflects purchases, a Bal transfer that we took advantage of and a {$200.00} dollar advance fee. I again paid the entire purchase amount, and an additional {$1200.00} dollars on top of that. Stmt asked for a Min pmt of {$330.00}. The purchase amt was {$3700.00}, bal transfer was {$10000.00} ( zero Int for 12 months ), and fee of {$200.00}. Pmt due date was XX/XX/XXXX, I sent a check for {$4900.00} ... basically a complete over pmt!! Next Stmt, they received the {$4900.00} on XXXX19 ... well ahead of the due date of XX/XX/XXXX. I think this is where the trouble begins as there is now Interest charged. I have called several times about this, I continue to be told that they are looking into it. Month after month I am charged interest that will not go away no matter how much money I send to them. The 2nd page of the Stmt shows a Charge Summary ... it says Balance Subject to Interest Rate, Bal transfer etc. ( Interest charge {$10.00} ) The whole problem seems to be with that, ( Balance Subject to Interest Rate ). Since I completely over pay every Stmt I should not have ANY amount Subject to Interest rate! My husband and I have talked to half a dozen representatives about this, all saying different things. They have said that the pmts were received too early! Crazy!! Next Stmt, due XX/XX/XXXX. Purchases {$840.00} plus Int. {$10.00}. Total then {$850.00}. Paid {$1800.00} ... {$1000.00} dollars over. Min was {$190.00}. Again, completely overpaying!! Next Stmt, due Apr XXXX reflects more Interest Charged ... {$18.00} ... this is the TRAP! Not sure what they are doing. They just keep saying that the Balance subject to Interest doesn't matter, it is actually just your Average daily Bal. My husband spoke with a supervisor for over an hour and a half on XXXX. Prior to that we spoke to XXXX XXXX, another woman on XXXX who said they were still looking into it. I spoke with XXXX on XXXX as I make pmts direct by phone!! They just continue to say that I must pay entire purchase amounts and the Min pmt amt ... all of which I am doing. Called on XXXX, spoke with XXXX ... she said that I just did not understand Interest rates. Also said she needed to re-issue our matter, and escalate it as no one was looking into it. I think this probably is enough, sorry it this is so lengthy. XXXX {$13.00} charged for XX/XX/XXXX billing, Int {$14.00} charged for XX/XX/XXXX billing, Int {$12.00} charged for ( current Stmt ) for XX/XX/XXXX Every XXXX of Interest charged is completely inaccurate. What I think they are doing is MIS-APPLYING all of our pmts. Somehow, maybe they are applying much of it toward our Zero % Bal transfer amount. All of my efforts should knock out the purchases, and then all the extra paid above that then go toward our advance amount. PLEASE, PLEASE HELP!! I can not even calculate the time, and suffering that this Company has bought me and my husband. Headaches and lack of sleep. I have XXXX credit and have never been a day late or a XXXX short on a bill in my life. THIS IS A HORRIBLE EXPERIENCE! I am taking all this time to hopefully help many other VICTIMS of this Bank!! First Bankcard of Omaha, XXXX XXXX XXXX, XXXX, NE XXXX XXXX XXXX
02/12/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 18405
Web
Hello, I am having a on going problem with First National Bank through which we have our Mastercard. On XXXX, XXXX XXXX I paid for a service to fix my XXXX computer for {$310.00} the Company name is XXXX XXXX. This all happened as I was having pop ups appear on my computer telling me it is infected with a virus. I was unable to get rid of all these warnings so I XXXX XXXX support. Through their site after I had submitted a issue I was contacted by XXXX and was given the impression I was speaking with a representative of XXXX. I had no idea that XXXX does not contract with other companies to fix any of their products since I am a somewhat new user so I allowed them to get into my computer and fix this virus issue. Which turned out later I never had. It seemed they fixed the issue and I agreed to pay {$310.00} for this service for the next 3 years or more I can't remember. Thinking it was a great deal since neither myself or my husband are very computer savvy. Almost immediately after getting this done I noticed I was having issues with my email, and my computer would either just shut down or I was unable to shut it down on my own. So I had to call them back several times over 3 days and each time they had access to my computer it seemed the problems where getting worse. So after day three I demanded a refund because the service they provided was not to my expectations. They denied me a refund saying they provided a service which I am not disputing, just the kind of service they provided. So after careful searching on line I eventually found a legitimate XXXX support phone number. I was on the phone with XXXX for at least an hour to fix what was done to my computer. Then I still had to make a appointment with an XXXX store I had to drive 2.5 hours to the nearest one. They finally fixed my computer and it is back to normal. I do have a letter that I forwarded to First National Bank when we called them to dispute this charge based on the facts. We have been going back and forth with Mastercard and this has been going on for months. We finally received a call after constant status updates we requested and they told my husband we will be getting a refund. That was about a month ago. Then this week we get a call from First National Bank saying this is still in dispute and they need additional information from us from a second merchant to apparently back up my claims about my computer issue. I told them I have only what I submitted in the beginning and nothing more, and the response has been well you have until this Friday XX/XX/XXXX to give them any additional information otherwise there is no guarantee that we will get our refund. This is outrages, how long does it take to investigate a claim about a scam that has happened to a valued consumer and what other additional information can I possibly obtain that they don't already have. First National Bank keeps saying " Oh we are working hard for you to get your money back '' but they to seem to want to scam us. What is going on is what I want to know. I have filed a complaint with the Attorney General Office against this company and they responded back to them that we will get a refund but now the Bank seems to not care that this company is a scam! So please investigate First National Bank for their banking practices. Thank you, XXXX XXXX
09/27/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • CT
  • 06511
Web
I have been using First Bank Card for 14 Years. I have NEVER been late on a single payment. On XX/XX/2019, I received a new card in the mail because the existing card was due to expire by the end of the month. The terms on the new card indicated a Total Credit Limit of {$29000.00}. My credit usage was roughly maxed out at that time. On XX/XX/XXXX, upon receiving the new card in the mail, I called in and activated the new card with a representative at the company. At the same time, on XX/XX/XXXX, I also made a payment of {$20000.00} which was initiated that day. I made this payment in good faith that my card limit was to remain at {$29000.00} per the notice I received and the conversation I had with the representative prior to making payment on the XXXX. On XX/XX/XXXX, the new card got activated and the {$20000.00} payment went through. The payment did not clear the account until the next day on XX/XX/XXXX. Upon checking my statement to be sure that the payment cleared, I noticed that my available credit was still at XXXX, meaning my card was maxed out, despite me clearing more than 2/3 of my entire balance. I called the company multiple times and they told me that my credit card limit had been decreased from {$29000.00} to {$10000.00} overnight. The company reps claimed it happened to be a coincidence that my limit got lowered on the same day that I made payment. The reps I spoke to would not let me talk to anyone in the credit department. They claimed over and and over again that it was impossible to change their decision. The ONLY reason I paid {$20000.00} to Firstbankcard was to IMPROVE my credit score, since now I would have ample amount of credit available which improves my overall debt ratio significantly. This company accepted my payment under false pretenses and eliminated my available credit by reducing my limit to {$10000.00}. The {$200000.00} payment I made essentially evaporated and provided me zero benefit. My score will not increase because my debt ratio is still maxed out at 100 % under the new limit, despite the healthy payoff. Also, I have no access to the cash that I earned for the entire year to put myself in a better financial situation. The {$200000.00} limit decrease prevents me from improving on my score or having access to credit. My card has never been deceased prior to XX/XX/2019. {$20000.00} decrease in limit is EXTREME at best and other card companies I have talked to said they would never reduce the limit by more than {$5000.00} at a time. This situation has put in great hardship and I may have to file for bankruptcy because the card company deceived me into making a payment and essentially robbed me of {$20000.00} and offered no benefit or reward for me being a financially responsible. I am left with XXXX savings, XXXX cash, and XXXX ACCESS TO MONEY. I need my file reviewed and my credit limit increased back to its prior level. I received no notice or warning that a decrease was in play, and this took me totally off guard, leaving me in a very bad financial situation. The new card would not have been activated nor would I have paid such a large payment knowing this would be the result. No notice was sent out whatsoever. The company in question is Firstbank Card XXXX XXXX
10/12/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • CA
  • 94577
Web
XXXX XXXX XXXX - XXXX ( " XXXX '' ) reduced my credit line and then closed my credit card account in violation of the implied covenant of good faith and fair dealing. Senior management at XXXX also misrepresented how my account would be handled and I believe this was intentional. Based on the circumstances I also believe this entire matter also constitutes an unfair business practice. The history is as follows : Last year I received a letter from XXXX dated XXXX/XXXX/15 stating that my account limit was being reduced to {$500.00} for reasons that included utilization, delinquency and balances. I was shocked both because none of my information had changed since account opening and because two weeks earlier I had just received a round of letters from other creditors increasing my limits in recognition of my " excellent '' credit history. Something was amiss. I soon learned that erroneous information was being reported by way of a false account history entry, which was deleted after making a cfpb complaint. XXXX sent creditors that had looked at my credit report updated reports as required by law. Nevertheless, several creditors, citing the same information as XXXX, reduced my credit lines to the balance making it appear as though I had charged to the account limit. I contacted XXXX in writing to explain but hearing nothing in response I telephoned and ultimately ( upon request ) spoke to a manager. In a very matter-of-fact tone and manner informed me that there was nothing he ( for XXXX ) could or was willing to do but advised me that the account would not be closed because of the additional negative credit scoring implications that would have. He represented that " nothing further would happen '' as the " account can simply just stay like that '' because the reduction to {$500.00} was how they handled these accounts. I further understood that the account would be eligible for the credit line to be increased again once their automated processes reviewed the updated history reflected in the scoring. At the time I explained I probably would n't be using the account much because it had a miniature limited and he said " that 's fine. '' I have since continued to maintain an excellent credit history with all my creditors, making large monthly payments in excess of the minimum due while utilizing my accounts for various promotions. Nothing changed with XXXX until now - I received a statement in the mail today which advised that my account had been closed, citing the same reasons as last year 's correspondence! XXXX clearly misrepresented the way they would handle the account and have damaged me by closing it ( a negative credit act by a creditor ). XXXX is damaging me by hurting my credit history ( and thus my score ), therefore adding to the very reasons they claim are the basis for their acts. My credit monitoring has no negative entries but I pulled all XXXX major credit bureau reports today and all three say there is no negative account information ( XXXX, no or none for negative accounts, collections or public records ). Even looking at XXXX 's own information my credit score is XXXX points higher! Oddly, their statement of today says they used a score from XXXX XXXX ( two months ago )?
08/04/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80920
Web Older American
In XX/XX/2020 XXXX XXXX solicited me by email to sign up for online sports betting. My XXXX XXXX Credit card account had a XXXX balance. I signed up under their promotional and deposited {$500.00} using my XXXX Credit Card. I added another {$100.00} a few weeks later using the same card. ( For a total of {$600.00} deposited into my XXXX account from the XXXX Credit Card ) I attempted to place a bet but was prohibited by the XXXX program allegedly because they could not identify my geographical location. I did not successfully place any bets using the XXXX program. I received my XXXX XXXX Credit Card Statement in XX/XX/2020. The XXXX XXXX Statement showed two transactions - one for {$600.00} and the other for {$100.00} in XX/XX/XXXX. Additionally, there were card transfer fees associated with the transfers of {$40.00} ( {$25.00} for the {$600.00} transaction and {$15.00} for the {$100.00} transaction ) I attempted to contact XXXX ( e.g. XXXX XXXX XXXX ) to cancel the transactions but was unsuccessful. ( No calls answered or returned after leaving message ) On XX/XX/XXXX I contacted XXXX Credit Card company ( FirstBankcard ) and explained that I had not received the services associated with the charges and that I was unaware that there would be additional fees associate with the charges and I wished to dispute the amounts and the associated fees. I was informed that I did not have to make a payment during the process and was assigned a dispute case Number XXXX. I was informed the matter would be resolved within a couple weeks and there was nothing further I needed to do on my end. In XX/XX/XXXX I received a followup information request from XXXX XXXX Billing Resolution Services. I completed the questionnaire and returned it via USPS. Today, XX/XX/2020, I received a phone call from XXXX ( Recorded line ) of the collections department for FirstBankCard. I advised her that the matter was in dispute and gave her the case Number. XXXX, transferred the phone call to XXXX in the customer service division. XXXX requested personal identifiable information from me and since I didn't initiate the phone call I declined to provide it. XXXX advised she couldn't proceed and provided another number for me to call back XXXX, whereupon I disconnected and called the number she provided. The call was answered by XXXX ( Recorded line ). After explaining the circumstances to XXXX she put me on hold then transferred the phone call to non other than the original XXXX that called me in the first place. ( Recorded line ) XXXX confirmed she was the person that originally called me. XXXX spoke with her supervisor and then informed me that I must make a payment of {$43.00} to avoid the matter being reported to the Credit Bureau. I informed XXXX that the matter was in dispute, that there are no other charges on the credit card, and that I was told I didn't have to make a payment while the dispute is being processed. Additionally, the money she demanded as payment was related to fees that were associated with the dispute. XXXX said if I didn't make the payment the matter would be reported to the Credit Bureau. We ended the call.
07/02/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IL
  • 60406
Web
I have been communicating with this company throughout the month of XXXX with my last communication with them being on XXXX XXXX, 2020. I have spoken to numerous representatives and an individual from the office of the president at the company. I have been very clear that I would not be able to make my payment that was due on XXXX XXXX, 2020 due to being off work for 3 months due to COVID 19 pandemic. I was told by XXXX, a customer service representative on XX/XX/2020 that my late fee would be waived and my account was noted that I should not get calls for missed payment. I was told that I have a " 30 day grace period '' before missed payment would be reported to credit bureau and said I would have " until XXXX XXXX, 2020 '' to make my payment before any information is reported to credit bureau. She also said she would " monitor my account '' to make sure I am not charged a late fee. I was told in XXXX when speaking to a " customer assistance program '' representative that he would note in my account to " not call this customer '' about a missed payment because I am notifying them about my inability to make my XXXX payment. I have repeatedly informed this company about my inability to make my XXXX payment again because of no income due to COVID 19 pandemic. However, shortly after the XXXX XXXX, 2020 date passed I started receiving phone calls, several calls a day in the evening time, but no one would leave messages. I called number back and automated system said it was " First National Bank of Omaha. '' and it asked me to enter my account information. Since no message was left, I did not enter account information into an automated system. Calling someone several times a day and not leaving messages is Harassment. During my several different phone calls to them over past several weeks, I was told I would not be charged a late fee, not receive phone calls and not have missed payment reported to credit bureau. However, I was charged a late fee, and started receiving calls. Most of these calls were in the evening. I received several calls per day and no message was left, This is harassing. Furthermore, it is disruptive while working in therapy session with clients, having a phone ring. I made a payment of {$100.00} on XXXX XXXX, 2020. However, I have since received a letter from this company in the mail on XXXX XXXX, 2020 from their " collections department '' telling me my account is " past due '' and to " call to make payment arrangements '' I found it alarming since I have been trying to make payment arrangements for several weeks and once I miss a payment, they want to help me. I will be checking my credit report as this company 's ethics and integrity are questionable often not doing what they say they would do, not charge late fee, not call and not report to credit bureau but instead charged late fee, called me several times a day in the evening, then sent letter from collections department. Does this company not document in my account or not read the call history notes? I am concerned that they also reported to credit bureau.
05/02/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • KY
  • 40810
Web
On XX/XX/XXXX ; my {$400.00} dollar payment to First National Bank Omaha was deducted from my checking Acct. as usual by bill pay via XXXX from my XXXX XXXX XXXX acct. This was an XXXX VISA Card issued by FNB Omaha Acct. FNB Omaha received the payment. Several days later my card was declined at two separate stores. I knew my credit limit was in excess of about XXXX XXXX dollars. FNB Omaha had recently increased my credit limit due to my very good payment history. Years of payments to this institution. Never late. Always well above the total due each month. Returned home and called First National Bank Omaha. Rep. said all old accounts had been purged from data base in XX/XX/2019. Rep. said my payment had been returned to my bill pay at my bank. Also said I needed to update my bill pay XXXX to show my new account number ; as they could no longer accept my payments as previously under the old Acct. number.He said my account had been temporarily suspended due to my late payment. I told him that this was no fault of mine and that the fault lay with First National Bank of Omaha. I logged in to my XXXX XXXXXXXX XXXX and changed the number to that on my VISA card. Several days later the {$400.00} dollars never came back into my checking acct. I called my bill pay customer service and they began an inquiry to FNB Omaha as to where the payment money was at. Two days after that I called bill pay again and they told me the payment was never returned to my Acct. I then called FNB Omaha again and the representative told me they had found the money and applied it to my acct. I had told them in both these two calls that I would not accept a late payment mark against my credit score. They had told me it was my fault for not changing the old account number and that a letter had been sent to me explaining this. I may or may not have received such a letter ; and if I did I may have shredded it or burned it thinking it contained blank promo checks etc. The third call to FNB Omaha I spoke to a Rep. and then to her Supervisor. I again reiterated that I would not accept a late payment report against my credit score as they had held my payment too long before applying it to my new acct. number. Supervisor told me that it was not their fault and that I should have changed my number when I saw the XX/XX/XXXX statement. I do not remember anything about it on my paper bill from XX/XX/XXXX. I did find theXX/XX/XXXXstatement and there was no such warning on it. I disputed with the Supervisor and told her that due to my awesome payment history and years of card use I would not accept a late payment mark and also they never returned the money to my Acct. and it took several days for them to process this payment. I then told her to close the account and she did. I told her this was a terrible way to treat a card holder with an exemplary payment history as I had. First National Bank Omaha and the XXXX ended their association in XX/XX/XXXX. This may or may not have been bias against XXXX members such as myself.
10/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • CO
  • 80916
Web Servicemember
I am a business owner and market various products for suppliers. Earlier this year my business and myself was a victim of numerous financial fraud totaling over {$20000.00}. The loss of this funds had an impact on my income and my credit. As a result of the impact to my credit, I went from a XXXX credit score to credit score in the 500s. When my score reduced lenders that I had great relationship with started lowering my credit limits. I understand this because I am looking like a liability to these companies because they did not know the situation. By these companies reducing my credit limits, it further damaged my credit since these credit card had balances on them. XXXX XXXX and First National Bank are two of the main companies I am experiencing tremendous problems. I have been a loyal and responsible borrower with both companies. My account with XXXX XXXX has been opened since XX/XX/XXXX. My credit limit was {$7000.00}. I have made ontime payments for the last 5 years and my limit was never increased. The company states they review account often. Secondly, there are two open disputes on my account that was never fully investigated or given my an update since the disputes were filed. One dispute is for {$1000.00} and the other is {$1500.00}. I have been getting interest fees on both charges. Services were never provided and these charges was suppose to be credited back to my credit card. Enclosed is a Commerce Statement in XX/XX/XXXX showing my credit limit was {$7000.00}. XX/XX/XXXX Statement showed my limit was {$4300.00} after my credit limit was reduced which brought my credit utilization ration to more than 100 % since I had an outstanding balance. As a result of the credit limit decrease, my credit score was further negatively impacted. I'm in the process of buying a home so I made a {$2000.00} payment on XX/XX/XXXX so that my utilization ration would be reduce which would then increase my credit score for me to get qualify for a mortgage loan. Instead of my utilization reduce, XXXX XXXX lowered my credit limit a second time immediately after payment was received. The lowered limit to {$2100.00} was reported to the credit bureau which lowered my credit score again and now maxed out the credit card since they did not credit the {$2500.00} dispute. At this point I do not owe XXXX XXXX any money. This company now owes me more than {$500.00}. First National Bank also did the same thing. My credit limit was reduced from {$6400.00} to now {$1600.00} after a {$2000.00} payment was made on XX/XX/XXXX. This is not right and these companies should not be allowed to damage consumer credit score by reducing limits for no reasons at all. I have never violated any terms in the agreements and have never made a single late payment since I have been a consumer with both companies. My family life is being affected by these companies and I'm quite sure this is the case for thousands of consumers that have credit accounts with them. Thank you for looking into this matter.
09/09/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • VA
  • 24503
Web
I have called the credit card company twice to resolve this ongoing issue of charging me interest. Every month I pay my new purchases balance in full. I got a promotional check for a balance transfer with a 0 % interest till XXXX of XXXX. I'm including three statements which clearly shows I paid my new purchase balance, fees for the use of the loan, ( which I understood and agreed to pay ) and payment on the loan delivered on XX/XX/XXXX which needed to be paid on XX/XX/XXXX. When my XXXX Statement arrived I was surprised to see I was being charged and interest fee. When I called the credit card company they said I didn't pay my balance in full. I explained to them I did but your including the loan balance as a total new balance with my new purchases for the month. What good is the 0 % interest till XXXX of XXXX if you include this as part of my new balance and charge me 25 % interest? I kept getting the run around about their policy, so I told them fine I'll just pay the entire amount off which I did shown on the second statement delivered XX/XX/XXXX that was over 2 weeks early as payment was due on XX/XX/XXXX. So you can imagine my surprise when my XXXX statement arrived and I had another interest charge. I then recalled the company and asked them why are they keep charging me interest as I paid my entire balance in full over 2 weeks earlier then it was due. They kept on the same statement that this was due to me not paying my balance in full. I asked the customer service rep if he agreed that I paid my new purchases in full every month and he said yes. I then asked him if I paid my minimum amount due on the loan and he said yes. So then help me understand what I haven't paid? He didn't have a response for me other than I hadn't paid my balance in full. Really because it's clear that I did. I think this 0 % balance transfer program is a scam and I'm requesting the interest charges for both months and the fee I paid to have this Credited back to my account as a total of {$57.00} as I did not get the service I was promised. Before I decided to take advantage of this balance transfer I called the credit card company and asked how this all works and they told me, ( which was a recorded line ), that my everyday charges would be separate from my balance transfer and as long as I paid my new purchases in full and the minimum requirement on the loan I would not be charged interest. This is obviously not the case. When I found this service to report this issue I read of another person with a case number XXXX submitted on XX/XX/XXXX with the same issue from the same credit card bank. Got me to thinking how many others are out there getting ripped off by this so called 0 % loan. This is very unethical and I hope you can put a stop to this companies actions as to me this is what is upsetting me more. Having the credit of {$57.00} would be nice but if my actions help others then that would be well worth my time in submitting this complaint.
07/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MO
  • 65804
Web
On XX/XX/XXXX at XXXX I called First Bankcard ( XXXX XXXX. XXXX XXXX XXXX, NE XXXX ) and spoke with XXXX. I explained there were fees on my account that needed to be reversed, that I wanted to make a payment bringing my balance to {$0.00} except for the fees that needed to be reversed and that I wanted to close my account with First Bankcard. XXXX informed me that the late fee and interest fee was corrected and that my account would be closed. He gave me a confirmation number regarding the closure of my account which was # XXXX. XX/XX/XXXX I receive a statement from First Bankcard and there is a {$4.00} balance on the account. I was confused because I cancelled my account over four months ago. On XX/XX/XXXX at XXXX I called First Bankcard ( XXXX XXXX. XXXX XXXX, XXXX, NE XXXX ) and spoke with XXXX. XXXX verified my XX/XX/XXXX phone call and was able to see the notes on my account regarding the fees, the payment and my request to close my account. I wasn't getting anywhere with XXXX so I asked to speak to someone higher in management. XXXX got on the phone and I explained the situation to her ; that I had called in over 4 months ago and requested my account to be closed. She also verified the information by reading the notes in my account. She said she would speak with XXXX and make sure he knew that he needed to follow through better and close the accounts he told customers he would close. XXXX also continued to tell me that charges come through on closed accounts all the time. It was my responsibility to pay the amount due. She said she would close my account but I would need to pay the amount due. I asked her in many different ways how in the world I was responsible for XXXX not doing his job correctly and not, in fact, closing my account as requested. I told her there would not be a charge if the account was closed, it would have been rejected. No matter how I worded it, she was NOT going to acknowledge the fact that if a credit card is closed, charges can't be made on an account that doesn't exist. However, my account was not closed like I was told it would be by a First Bankcard representative. I informed everyone I spoke to that I was recording the phone call. I do have the recording. I was not getting anywhere with XXXX either, so I asked to speak with someone higher in management than her. She guaranteed me that someone would be calling me within 48 hours of XXXX XX/XX/XXXX. I can not believe that this institution actually wants to hold me accountable for their employee 's careless mistake. I DO NOT believe it is my responsibility to pay for XXXX not doing his job correctly. I also think it is terrible for upper management to be so unwilling to help a customer. I believe I am owed an apology along with the minimal amount due removed from my account. I want my account closed as soon as possible. I hope that the people involved get the proper training required to deliver better customer service.
07/09/2015 Yes
  • Credit card
  • Billing disputes
  • HI
  • 96792
Web Older American
XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, HI. XXXX, XXXX XXXX Re : My A/C # XXXXDear Sir, I am sorry for not responding earlier to your XXXX fictitious credit card bill charges of XX/XX/XXXX and XXXX 2015 as I was medically incapacitated. I had XXXX XXXX in XX/XX/XXXX and was XXXX for a week in XXXX for XXXX. The XX/XX/XXXX statement shows a {$12.00} charge for an XXXX XXXX. The XX/XX/XXXX statement shows the very same charge again of {$12.00} for XXXX XXXX. Added to that is an interest charge of {$1.00} for a total due balance of {$27.00}. I did not incur these XXXX debts and have never purchased anything for {$12.00}. This is the handy work of the criminal enterprise known as XXXX. As its credit card company, you are also now its accomplice. The only XXXX items that I purchased at separate times recently were XXXX generic stereo earphones. XXXX was on sale for {$6.00} and the other was on sale for {$4.00}. I paid for these XXXX items with my accumulated " XXXX Super points ''. I currently have have a total of XXXX or {$24.00} left. Now, please tell me why I would chose to pay for these XXXX items via my credit card when I have the Super points to use? Which idiot would do that? But XXXX has devised a way to double dip for the same purchased item : Once via the Super points at the sale price and once again via the credit card at its full undiscounted price which I presume was {$12.00}. Please allow me to tell you how they get to XXXX from their customers twice : once from deducting the purchase price from your Super Points and again by sending a bill to the credit card company for the full undiscounted price for the same item. XXXX has devised a very clever way to achieve that : When you purchase an item intended to be paid with the Super Points, the " Payment Option Page '' prior to check out does not include the option to pay with your Super Points as a payment option. Imagine that. But in order to proceed to checkout, you must give them a credit card number, including the " secret number '' on the back of the card. When I emailed XXXX asking them why do you need my credit card number since I intend to use my Super points, they answered that it 's for security reasons. What security is that? They know exactly how many Super Points I have and whether I can pay for the merchandise via this method. Only at the very last page of the " check out " process, there is a small window at the very bottom to indicate payment with Super Points. They then deduct the discounted purchase price from your Super points and simultaneously send a bill to XXXX card company for the full " undiscounted price '' of the item. This is the most blatant type of fraud and thievery. I am requesting, in closing, that you reverse the charges totaling {$27.00} and send me a statement reflecting a zero balance due. Sincerely, XXXX XXXX
06/17/2015 Yes
  • Credit card
  • Application processing delay
  • FL
  • 34293
Web Older American
On XXXX occasions XX/XX/XXXX and XX/XX/XXXX First Bankcard, XXXX. XXXX XXXX, XXXX XXXX XXXX charged my account a late fee plus interest and then revolving account interest the following month for payments that were sent via on-line banking and received by First Bankcard on or before the due dates above. I always pay 100 % of the balance due each month. In the first instance for the payment due XX/XX/XXXX, First Bankcard credited my account for the late fee and interest when I provided evidence that the payment was deducted from my on-line checking account on the due date, but not posted to their system until the following business day but they have not credited the interest charged the following month ( statement dated XX/XX/XXXX ) of {$38.00}. More recently, the same set of events occurred on XX/XX/XXXX and involves a {$26.00} late fee, {$71.00} interest in their statement dated XX/XX/XXXX and an additional {$62.00} in interest on their XXXX statement. First Bankcard Customer Service XXXX refused to credit the XXXX fees and interest because they had already done this for me once - without regard to the fact that they obviously have a cash posting problem since this has occurred twice in the last XXXX months. I have written XXXX XXXX complaint letters on XX/XX/XXXX and on XX/XX/XXXX outlining in detail the circumstances mentioned above and have not received any response. I communicated ( message reference number XXXX ) with First Bankcard Customer Service on XX/XX/XXXX to find out if they had received my letters. The response was that there were no notes on my account as to the letters or who may have them or if any action was being taken to correct the billing on my account. I have discontinued using the First Bankcard XXXX card and have left a balance of {$190.00} on the account the represents the erroneous late fees and interest mentioned above and have advised them that I will not pay for the fees or for any late fees or interest going forward. I have used credit cards from various banks for years and have been using on-line banking since the middle XXXX 's and have never had this happen once. This has happened at First Bankcard XXXX in the XXXX months. Probably happening to more people than just me - concerned that they are making money by not posting payments promptly when they are received - and then refusing to credit the late posted payments. In both cases, the payments were posted the next business day following the due date. I actually began scheduling the payment to them XXXX day in advance of the due date since the XX/XX/XXXX incident to provide more time for them to post the payments. The XX/XX/XXXX ( a Friday ) payment was actually scheduled in my on-line baking account to be paid on XX/XX/XXXX ( Thursday ) but was not posted by First Bankcard until XX/XX/XXXX - Monday. It was sent by my bank on XX/XX/XXXX.
05/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Public record information inaccurate
  • KS
  • 66209
Web
I enrolled myself into XXXX credit card and my account got transferred to FNBO Bank which I wasn't aware of. I was then bugged by FNBO bank on late payments. My XXXX credit card was on auto-pay and I initially used to double-check to make sure my payments were going through. My bills were always paid on time by the auto-pay service and when the account transfer happened without my knowledge or my approval I started receiving emails from FNBO bank. I assumed those emails were spam like all other pre-approved credit card emails I get. I got emails about late payments and I thought that was a scam email trying to steal my money. I decided to call and check if they were legit and I realized that they used my XXXX credit card info and created an account with their bank and charged me a late fee. The charge was for XXXX $ so I did not feel like wasting my time trying to fight it. They did not transfer my auto-pay information nor charge my bank. They probably decided to make money out of the late fee I guess. I also asked them to close my account with FNBO as it was something I never signed up for. I was pretty much tricked into opening up an account with them. The only credit account that was indirectly opened with them was my XXXX credit card and if that would no longer work with the benefits that were advertised I did not see a point in banking with some sketchy bank After all the mess that they have put me through the bank reports that I was late on payments. With the bank trying to get customers to use their cards and trying to scam me I called them to dispute that and they hang up on me. After few more hours of wasting my time, they tell me that I would have to contact all three consumer reporting services and dispute the report. How exactly is this legal and how do they expect me to assume that they aren't scammers? If they had all other information about me why did they not have my bank info and why wasn't I enrolled in autopay? Why was I never informed about the change in cards and why was I not asked if I would be fine to switch my account to FNBO bank and lose my XXXX benefits? This is literally a stunt to get free customers because that bank is probably running out of business. Why should I be going through all this for a XXXX $ charge that they put on an account that I'm unaware of? I'm so mad at them for wasting my time and not doing anything about this. Now I have a card on my report that I never wanted and also a late payment report that would ruin my credit score. I never missed a single payment on any of my other cards and why would I not pay XXXX $ If their people were legit and told me what that was for. Worst part is I still don't know my bank account number at this FNBO bank. What are my options here? Doesn't the law protect customers from being scammed? My information was misused here.
10/29/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60073
Web
First National Bank of Omaha, XXXX account. The credit card issuer is refusing to dispute the charge with the merchant. In the first week of XXXX I called the bank to dispute the purchase on my card which was a recurring charge from XXXX XXXX XXXX at XXXX that happened on XXXX XXXX when I was out of the country. I have cancelled the service on XXXX XXXX pursuant to new automotive coverage I purchased on XXXX XXXX deeming the service no longer necessary. After a very long wait time the representative told me that the purchase will be disputed and the temporary credit issued ( it was n't ). I also XXXXquested that the XXXX XXXX XXXX charges be no longer accepted. However when I received the statement XXXX weeks later it appears that the purchase was not only not disputed but the new charge from the XXXX XXXX XXXX dated XXXX XXXX allowed. When I called about this, again after about XXXX min wait, I was told that the XXXX purchase was not disputed since the company has 30 days from the original time to have the dispute initiated, contrary to what I was told on the first call in the beginning of XXXX. I requested the supervisor to review the call and inform me why the XXXX charge was not disputed contrary what was communicated. Furthermore on XXXX/XXXX/XXXX I received a statement from the bank that it will not dispute the charge after all and that it is my responsibility to contact the XXXX XXXX XXXX ( I did so twice in XXXX and XXXX ) to have the charge credited. Issues : 1 ) Why the the bank has a very long wait times to even get a basic service? 2 ) Why the CSRs are misrepresenting the dispute process and telling people that the dispute will be initiated and escalated when it is n't? XXXX ) What does it say for the corporate culture that is not protecting consumers from unauthorized charges and allowing 30 days for additional unauthorized charges and possibly illegal behavior to occur? 4 ) Why is it ok by the bank representative to say to the consumer that the dispute is initiated when in fact it is n't and the bank feels it has 30 days to do so contrary to what is represented? 5 ) Is the refusal to dispute the charge a form of retaliation for the criticism of its operations as it appears to be in my case? 6 ) In its communication to me the bank stated it requires proof of the cancellation of the XXXX XXXX XXXX service. Since the enrollment and cancellation transactions took place on the phone does it require both transactions to be recorded? Since it is illegal for anyone in IL to record transactions without prior consent, does it mean that as consumer of the bank I have to violate the law since the XXXX XXXX XXXX reps refused to give me a consent for the call to be recorded? Sincerely. XXXX XXXX
09/03/2015 No
  • Credit card
  • Credit card protection / Debt protection
  • CA
  • 95127
Web
On XX/XX/XXXX, a process server dumped a summons that had my name on it to my wife while I was not on premise. Regarding a credit card I held once with a banking association called FIRST NATIONAL BANK OF OMAHA. I do remember I did have a conversation with that institution once, informing them of my unemployment status, but not aware of the balance nor did I have any information in the form of statements to what that balance was. That particular credit card was destroyed, by myself, two years ago in XX/XX/XXXX. Now I am being sued, by a law firm called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Tel : ( XXXX ) XXXX. I have never heard of this firm, this the first time I 'm seeing anything related to a credit card account that is in arrears, and given 30 days to respond in the Superior Court of California, XXXX XXXX County, where the financial institution, First National Bank of Ohama, has never sent me any email, phone call or mail that to let me know of an outstanding debt. I have not even been given an opportunity to verify whether the debt is mine or not ( my identity was comprosed three years ago when my XXXX credit card was stolen and used- which is why I destroyed the credit cards and issued a statement, in writing, to all of the credit card companies that someone had my account information ). This law firm, XXXX, as far as I can determine, was required to at least send me a letter letting me know they had been retained to settle a debt on behalf of the finanical institution. If they had, I would have worked with them. Instead, I 'm getting hit with a lawsuit, without any warning, or being informed prior, that there is a debt out there with my name on it. And with any credit card, according to the Fair Debt Collection Protections Act of XX/XX/XXXX FDCPA, I was supposed to be informed and given ( x ) amount of time to contact to find out if the debt in question is mine. I was not given this. Instead, no communication from the financial institution, no communication from the " debt collection '' law firm it apparently was handed to. What I know is I have a right to review the debt, with all relevant information pertaining to it, PRIOR to having a lawsuit filed. This financial institution and this debt collection law firm violated my rights to review the debt to determine whether it was mine and respond in a timely manner. Instead, my wife gets hit with a summons of a debt that is addressed to me, and me solely, when I was not there, without any form of prior attempts of communication by the firm or the financial company. Which is a violation of the FDCPA and my rights as a consumer, over a debt I do n't even know if it 's mine. Thank you for your time.
12/18/2016 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Sued where didn't live/sign for debt
  • VA
  • 22847
Web Servicemember
The company in question, XXXX XXXX, filed a suit in court after I tried to dispute the debt with credit reporting agencies ( XXXX and XXXX ). Both the agencies removed the debt from my credit report and then a week later it was back under a different name. I disputed it again and then the debt showed back up on the credit report, this time doubled to make it look like XXXX debts ; listed as XXXX XXXX and XXXX XXXX XXXX ( with a comma added ). I have been to court twice already and the judge keeps postponing it. I have to go again on XXXX XXXX, XXXX. I tried to get the case dismissed because in the affidavits filed by the debtor they said " Affiant states that the original agreement and document evidencing the creation of this Account is lost or destroyed ... '' The judge would not listen to me and instead postponed the case ( twice ). The attorney handling the account told me she did not have any authority to do anything with the case ( dismissing, make changes, etc. ) because she is just handling the case for an out of state client. The judge told me that he would not do anything with the case ( the last time I went on XXXX XXXX ) unless I bring him a fraud complaint form filled out and the attorney was going to send me XXXX but I have not received it and so far unable to find XXXX. I believe I am being taken advantage of and do not know what to do to fix the situation. Meanwhile, the debtor keeps putting multiple listings on my credit report making it look like I have more bad creditors than there is in reality. The debtor has never made an attempt to collect on this debt until I reported them to the credit reporting agencies. Then they filed a suit in the local court here ( they are from out of state ) while still not attempting to collect on this debt. Their own sworn affidavit to the court ( notarized and delivered by the Sheriff 's department to my door ) states they have no proof of the creation of the account ( see above ). Also, the debtor, after I disputed the account on XXXX XXXX, XXXX, placed the account opened status as XXXX XXXX, but on the official court documents and affidavit ( filed on XXXX XXXX one month after I disputed the account ) the debtor can not state when the account was created. They provided the earliest bill they have, dated XXXX XXXX, XXXX, but stated in the affidavit " FNBO 's business records show that as of XXXX/XXXX/XXXX, there was due and payable ... '' They make this statement just prior to the statement where they say the original agreement is " ... lost or destroyed ... '' ( see above ). So the debtor does not seem to be able to get their dates or other information ( facts of the case ) correct either.
02/08/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • GA
  • 30024
Web
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.
10/12/2016 Yes
  • Credit card
  • Billing statement
  • MN
  • 55409
Web
I had a First Bankcard ( XXXX ) credit card that apparently has changed to a Union Bank credit card in the last couple of months. I was only notified of this change after it occurred and I received a new Union Bank credit card in the mail. I have since had alarming communications from Union Bank that I was told yesterday by Union Bank customer service representative did not come from Union Bank ( even though it appears that they did ). I have received two mailed notices from Union Bank that my account is past due, despite the fact that I made regular, automatic, online payments. When I called customer service, at first I was told that the system changed and that the online payments were abruptly cancelled without any notice to me. I was ( and still am ) unable to login in to Union Bank 's website ( nor am I able to login to First Bankcard 's website ) and in three calls to their customer service line I have been told that there is nothing they can do to help me. ( Indeed, there has been an acknowledgement that I am unable to login and an absolute refusal to remedy the situation. ) This has made me extremely suspicious. Even though I ca n't access my account online and I have not received paper statements for the last two months, I received two fraudulent past due notices. The only way I can check on the status of my account is to call the alleged customer service number on the back of my Union Bank credit card. When on called on XXXX XXXX, I was told that I had a payment due, which I made over the phone. The customer service representative ( on XXXX XXXX ) asked for my full social security number, which raised more alarm bells. After I made this payment, I received another past due notice yesterday, dated XXXX XXXX, saying that my account was 47 days past due, despite two payments made during this time period. The letter contained a " collections '' number that I called and immediately got hold music with no answer and no identifying information. I then called the number on my credit card and was told that my account was current and there was no record that anyone at Union Bank has ever sent past due notices. I am very concerned that Union Bank has either mishandled my personal and financial information in such a way that I am being targeted by fraudsters, or that Union Bank is so inept at managing my information that they are unable to send me accurate information regarding my account. I am in the process of closing the account and have registered complaints to Union Bank 's customer service and fraud departments. I have received no communication regarding the status of my account in response to my complaints.
01/11/2017 Yes
  • Credit card
  • Other
  • IL
  • 61876
Web
XX/XX/XXXX My card was hacked and several TVs were bought. I reported the incident around XX/XX/XXXX. I had paid a {$1500.00} payment in to my card, and after the charges were reversed there was a credit balance of over {$1000.00}. I submitted a request for refund of balance and it said a check would be mailed. I never received the check. I called and the first person I talked to said that the new card should have been sent but wasnt and she saw where the refund request was made but the check was not sent. I called twice more with basically the same answer. I finally received the new card a few days ago, but no check. Here is email conversation : XX/XX/XXXX XXXX XXXX XXXX Dear XXXX : Thank you for contacting First National Bank.Our records indicate that these issues were addressed with a phone representative on XX/XX/XXXX.If you need further assistance, please contact us at XXXX.Sincerely, XXXX XXXX.Customer Care Senior Specialist XX/XX/XXXX XXXX XXXX XXXX XXXX Hi , I spoke with someone last week about my new credit card that was coming because my other one was hacked. They told me to get ahold of someone if it had not arrived by today. Also, they said my refund check was being mailed out, and I have not recieved it yet either. Here is the last one : XXXX From : XXXX XXXX Sent : XX/XX/XXXX XXXX Ref No : XXXX Subject : Three attempts Concerning : XXXX Dear XXXX : Thank you for contacting First Bankcard. I see you have spoken with customer service in regards to this issue and this has been explained to you on XX/XX/XXXX. If you have more questions you will have to speak with our Fraud Department at XXXX. Sincerely, XXXX XXXX. Customer Care Senior Specialist XX/XX/XXXX XXXX XXXX XXXX XXXX I have called three times and sent messages twice trying to get the refund that I had coming to me from FNB credit card. My credit was hacked and my account was shut down and I was to be issued a new card back on XX/XX/XXXX. Every time I called I was told it was going to be taken care of only to call next time and find out it wasnt. The credit to my account has been removed from online, but still no refund check. The refund was for over XXXX dollars. I will have to contact XXXX if it isnt fixed. The last phone call I made was on XX/XX/XXXX and was told that The check had not been issued and that it was being reviewed or something by the fraud department. However, they have since removed the credit balance from my account?? I just want my refund that the statement showed as a credit. The account # XXXX and I do not have access to that account anymore so I cant download the last statement.
08/13/2016 Yes
  • Credit card
  • Late fee
  • GA
  • 30093
Web
I am wanting to report an issues with XXXX of my creditors auto payment that will not withdrawal properly from my bank account even after several setups causing me to have to constantly log in and pay manually and I finally figured out that the issue was not on my end for being reported late and impacting my credit report. After the several attempts before of setting up autopayment and it not paying. I figured I was thinking to myself that I may have forgotten to so I did a manual payment before. I was basically second guessing myself since I was thinking a creditor website should always have this working. This is during the beginning year when starting to use this creditor. Then I just started to just continue to log in and pay manually until around XXXX and XXXX I decided to set the autopayment again. Not thinking I didnt log back in because of my busy schedule to the site to check and thought it would go through this time. After later on finding out that I got a negative report that I was 30 days late. I decided to try one last time and setup autopayment after I got that. Then I logged back into their site and found out I was late yet again and no auto payment from my bank account yet again, fortunately I logged in again and did a manual payment before the 30 day mark. This creditors system is not functioning properly to do any autopayments for me. I am requesting for them to remove my 30 day late negative report for their haste of system issues. The third time setting up autopayment and not working is a charm to finally wake me up and understand that their website is not fully doing any proper auto payments. Do you know what are my options on getting this resolved to have the negative report removed. Do I need to submit a claim to a court to have them get this removed? Did they violate any laws for this? This is certainly not my fault for having a negative report if you relying on the creditor website system to do what it should be doing. If you look at my credit report. I have never had a late payment ever. After moving to this creditor and using their website system to make on time payments. It has ruined a bit of my credit. I have had on-time payments since I was XXXX and now XXXX. This is the first time every running into a creditor that system does not work the way it should or I would like. I relay on these autopayments to work so that I do n't have to login everytime to pay due to busy schedules. With my XXXX child its already hard to get some free time to spend for these things. The creditor I am mentioning about is the following below : FNB OMAHA XXXX, NE-XXXX XXXX
05/31/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MO
  • 64030
Web
The lady who helped me at this bank was very nice and this saddens me to file the complaint because she is a good person : but Ive tried to work this out and my time is being wasted. It seems nothing gets done right unless I file these. So here we go - First off I was lied to by a division of the bank and A guy named XXXX XXXX from XXXX who do merchant processing. He told me he needed my personal info but would not check credit and I received a hard inquiry he then said was a soft pull. I have screenshots of text proving I told him dont touch my personal credit for the business or I would not sign up. He lied. I filed a complaint with the FTC, and that inquiry accounts for 10 % of my score and stays on my report years. Missouri law says I may bring action against anyone who harms me or my credit report. I demand financial compensation for XXXX XXXX XXXX lies and actions in the amount of {$250000.00} for deception and fraud. Next up is a nice kid named XXXX who I asked to updated my business address. I told him its fine to leave my personal address but my business needs to be right and matching all other docs and accounts. He told me he updated it but my card keeps being declined and will only work when I use the old zip code I asked to be updated. I called and a guy name XXXX transferred me to XXXX who was rude at the customer service number and it upset me. They are also forcing me to provide my ssn number on business account when I call in even tho I have a ein or duns number they can use for verification. I own a llc which is a desperate entity from the business owner under Missouri state law. Again I have the right to bring civil actions against anyone accessing filing they should not. By requesting my ssn for my business account daily my rights are being violated. I dont mind providing it up front when opening account which I did to prove Im not a terrorist or money laundering as XXXX XXXX explained. But after passing the know your customer check my business should be respected as a separate entity. I wont request money from fnb because I like XXXX as a person and she has helped me and been nice. Im going to simply politely ask you to have customer service use ein to verify when I call in and update the address on biz account to grandview like I asked XXXX to do. I dont demand compensation because you have treated my fair in the past. Im very sorry to file this complaint on your bank but the way XXXX treated and talked to me when I called in is unacceptable.
03/01/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • IL
  • 60048
Web
On XX/XX/XXXX or XXXX, XXXX, I went into XXXX XXXX XXXX XXXX XXXX and worked with XXXX who completed an application for a balance transfer from the following : XXXX XXXX XXXX Amount due on the account as of today, XX/XX/2021 : {$12000.00} The goal was to move my debt from XXXX to XXXX. XXXX took extra time to confirm her log in, talk to a colleague to make sure a balance transfer was an option and find the place in her documentation on where she needed to click or go to make it happen. I have 100 % confidence that XXXX completed the application properly. On XX/XX/2021, I received an email saying I was approved and would get cards and info in the mail in 10 business days. On Friday, XX/XX/2021, I received the cards in the mail. On Monday, XX/XX/2021, I called the number to activate the cards and listened to the balance, expecting to hear that I had a balance of {$12000.00} due and the new due date. I was shocked when it said the following : Available credit : {$5900.00} Balance due : {$0.00} I immediately called the customer service number at XXXX. I spoke to XXXX and asked to speak to a supervisor. XXXX, a supervisor for First National Bank of Omaha got on the phone and I explained they had made a mistake. My application was for a balance transfer and not new credit. If I wasn't going to be approved to transfer the {$12000.00}, I would have expected to be notified and then given the option to not take the partial credit amount or to choose to transfer the partial balance. He said he didn't see anything that said balance transfer on the documents. I explained they have made a mistake somewhere. XXXX. I then asked XXXX for a callback to advise what they were going to do to fix the problem and he said he doesn't do callbacks and just can cancel the card. I told him my credit would be adversely affected by opening a card and then cancelling it immediately and they need to either increase my limit so I can transfer the balance of over {$12000.00} from XXXX or they need to cancel the card and pay to fix any error or issue that adversely affects my credit report and make it whole again. XXXX said " I am sending this to the concerns department. I don't know what they will do or if they will reach out. '' How do you improperly open a credit card account and then not follow up with someone when there is a complain about it? The call was started at XXXX CST. They came on the phone at approximately XXXX CST and the call occurred on XX/XX/2021.
07/26/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • FL
  • 33484
Web
I.am file this compliant base these three factor : ( 1 ) excellent credit Rating. ( 2. ) execptional. ( ( XXXX. ) exceptional. ( 3 ) trustworthiness, and qualify to obtain I could not believe this is the position that my bank was taking. and me as a value customer. I was denial asamll business credit. my nwife apply for this same card on or XXXX XXXX and apply again XXXX/XXXX/XXXX and was still declined a card. the factor was excessive credit reporting agency inquire. I belief its a rigged system against small XXXX XXXX business who want to build there company with bank. now apply for the card in my name and I only have XXXX inquire on my credit reporting agency. so it appear that I have good credit but still was I belief these or the fact : as follow : I belief and feel here is unfair, treatment to be denial any XXXX credit who is trustworthiness. and have excellent credit rating. let be clear here I have relationship with these bank and I all way pay my bill on time over the amoun of the above payment that schedule. never missed any payment to first national bank. some XXXX need to review my credit history its very strong.my XXXX said that credit usage 23 % and well qualify and trustworthiness. and that is the base for issues credit to custom er I have on XXXX inquire on my file and XXXX is FNB.they pull my credit back on XXXX/XXXX/XXXX and granting the card. now they are denial me credit. it clear something is wrong with this picture because on or XXXX Reference Letter # XXXX XXXX XXXX Thank you for apply for the commercial credit card. we are unable to offer you credit on the terms that you requited because that offer has expired. please contact the financial institution you received your application from to re-apply. the question. would be is why? XXXX XXXX XXXX business have to fight so hard just to get credit and then they to me is although we were unable to fulfill your request at this time we think you for aplply. we are trying to build new south lease company credit with this bank, Reasons why I belief we should be grant credit. XXXX XXXX XXXX no excessive credit report agency inquire. XXXX. XXXX excellent credit. ( XXXX ). XXXX scores ' XXXX XXXX XXXX Never missed any payment all waymy bill on time make payment above credit payment all way pay down balance and for this bank to denial me credit. I am ask the bank to approve my request thank you. is this all because of my age why? make me understand we pay our bill on time
04/02/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 91767
Web
Re : First National Bank of Omaha XXXX XXXX Credit Card Annual Fee. On XX/XX/2019, around XXXXXXXX XXXX Pacific time, while making the monthly payment for the XXXX XXXX charge card issued by First National Bank of Omaha, I notice an annual membership fee of {$19.00} posted on XX/XX/2019 ( see attached statement ) to my account. The membership fee was for the coming year. It was too late to call the bank ( headquarter in Nebraska ) to discuss this charge, so I made the call on XX/XX/2019, around XXXX XXXX Pacific time. Spoke to the customer service representative on XX/XX/2019, explained charge on my statement and her to cancel my charge card and refund the membership fee. She put me on hold to speak to a supervisor and came back to me and said that they can cancel the card but can not reverse my membership fee. Then I explained to her that the fees charged was for the future year and as I do not want to use the card I should not be charged a fee for a service that I do not want. She replied that there is nothing she can do. Next, I asked to speak with a supervisor and the customer representative said that the supervisor is going to say the same. I insisted that I talk to a supervisor and after being on hold for about 5 minutes I was connected to a supervisor named XXXX. I explained to her that I notice this fee posted to my account, on XX/XX/2019, while making my payment on XX/XX/2019. Also, I told her that it was within 30 days of the charge being posted on my account and I should have the option to cancel the charge card and not be charged an annual membership fee. She said that she could not reverse the fee. As I realized that I was not getting anywhere with her and she was oblivious to reasoning. I asked her to cancel my card as of XX/XX/2019, and decided to seek your agencys help. This kind of strong-arm tactics by financial institutes and/or by their staff should be curtailed. They know that they hold our credit future at ransom, thereby refusing to listen to reasoning and use common sense. Most financial institution are professional and do try to work with the consumer to address their grievances. It is in my opinion that I think that as a consumer I should have the right to dispute a charge within a reasonable time, in this case approximately 11 days, and not pay for a membership I do not want. Please look into this illegal charge and hopefully come up with a favorable outcome.
03/22/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • KS
  • 66062
Web Older American
We recently completed two balance transfers with First National Bank of Omaha. The current balance is about {$11000.00}. First of all, I have no idea how FNBO is calculating the minimum monthly payment. If you review the statement due on XX/XX/2020, it states the minimum monthly due is {$400.00}. In the minimum payment warning box, it states if only the minimum payment due is made for the next 9 years, an estimated total of {$13000.00} will be paid. The interest rate is fixed and 5.99 %. For 9 years, there are 108 months. If {$400.00} is paid over 108 months, the amount paid would be {$43000.00} instead of {$13000.00}. The prior month, it stated {$480.00} was the minimum due. The statement said if paid off over 10 years at the minimum monthly payment, an estimated total of {$14000.00} would be paid. For 10 years, there are 120 months. If {$480.00} is paid over the 120 month period, the amount paid would be {$58000.00} instead of {$14000.00}. Then, in the same boxes, it shows how many years it would take to pay off the balance if a higher amount is paid. For example, if you review the statement due on XX/XX/2020, it suggests paying {$350.00}. This isn't even the minimum monthly due reflected on the statement. It states the time to pay off the balance would be 3 years and the estimated amount paid would be {$12000.00} with a {$670.00} savings. If you review the statement due on XX/XX/2020, it suggests paying {$370.00}. This is not the minimum monthly due reflected on the statement. It states the time to pay off the balance would be 3 years and the estimated amount paid would be {$13000.00} with a {$700.00} savings. And, I was shocked to see how much my minimum monthly payment is after the balance transfer. The credit card statement doesn't state what percentage the payment is based on and the credit card agreement is vague at best. Under Payments, section B, it states the amount of my minimum monthly payment is indicated on my billing statement and calculated as shown on the schedule. Based on the payments on my last three statements, the percentage is as high as 4 % and as low ar 3.5 %. So, there is not a stable percentage that the minimum amount due is based on. I am attaching my last 3 billing statements and the cardholder agreement. There is something wrong with the way they are calculating the payment as well as the amounts under " minimum payment warning ''.
11/25/2015 Yes
  • Credit card
  • Credit line increase/decrease
  • NJ
  • 08515
Web
Unfair business practices - These crooks drastically reduced my credit limit after I made a huge payment and without proper notification. Yesterday I made a {$5000.00} credit card payment to my First National credit card. I paid down 70 % of the balance from {$7100.00} to {$2100.00} so there should have been {$4800.00} avail today. I tried to use the credit card today to business invoice with part of the {$4800.00} that should have been available. After multiple failed attempts to pay the invoice online I called the credit card company to find out the problem. 1. They first told me they hold 80 % of the payment until it comes out of pending status. I told them that I need access to my available credit Today. 2. They had me do a conference call with my actual bank to verify the funds were good. 3. After the bank conference call, my credit card company tells me they reduced my credit limit. I did n't get any notification that they were reducing my limit. The bank says they made that decision yesterday. My response was " yesterday after you receive my payment. I told them could have sent me a letter the day after you did n't receive payment XXXX XXXX XXXX XXXX, ie the first day it was past due on your books but you deliberately waited until you got a large payment ''. ( My payment was 12 days past the due date but I 'm aware that credit card payments are not considered late until the next billing cycle comes and goes and no payment is made. ) 4. I also asked, " When was I going to receive a letter about the credit limit decrease. '' The person I spoke with said they were going to mail XXXX out today. 5. I asked " well what is my new limit '', these crooks said my new limit is the {$2100.00} that 's now available after my {$5000.00} payment. 6. When asked how do you come up with a decision to give me a 70 % reduction of my credit limit that was available just yesterday ... .. '' Well you make minimum payments and on the due date instead of before the due date ; you 've been late 4 times in 24 months, your at the peak credit limit and your XXXX credit report shows delinquents on your report. Nonsense, missing the due date does Not make you late on credit reports and your credit report story is a flat out lie ... ..Sure enough, after arguing with them, I pull my credit report and I have No late accounts and No Delinquent accounts. I have a copy of the credit report.
12/04/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • PA
  • 18201
Web
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
08/06/2015 Yes
  • Credit card
  • Billing disputes
  • TN
  • 37189
Web
My complaint is about a dispute improperly handled by the credit card company. My credit card ( XXXX card ) was originally issued through XXXX. In XXXX 2015 I disputed a charge of {$100.00} for a XXXX night stay at XXXX XXXX TX, because the services provided were not as advertised or as expected. ( Very briefly : We did not get an accessible room as requested, and my XXXX husband XXXX. There were various other problems as well, none of which were corrected. ) I provided plenty of evidence supporting my claim. The bank issued a conditional credit while investigating. After about XXXX weeks I received a letter from the bank stating the charge was placed back on my account because I stayed in the hotel, i.e. received the service. I disagree with this decision because : -I never denied that I stayed in the hotel. My reason for dispute has consistently been that the services were substandard, not as advertised or expected, and the management made no effort to correct the problems despite repeated requests. -The bank was fully aware that I stayed at the hotel when they first placed the charge in dispute. If there 's no recourse they would not have initiated the dispute in the first place. -XXXX offers protection to customers for services that are substandard or unsatisfactory, as do other credit cards. " Services rendered were not as expected or advertised '' is XXXX of the specific reasons provided by credit cards for disputing a transaction. I provided ample evidence to support my dispute under this option. When I called to appeal their decision, I was told that the credit card has been transferred to a new bank, and I should contact them. I contacted the new bank, First National Bank of Omaha, and submitted my rebuttal to them. The representative said she would talk to a supervisor and see what she could do, but so far I have heard nothing and the charge remains on my account. My email to her attached. I then emailed XXXX XXXX XXXX, Executive Vice President of Consumer Banking in First National Bank of Omaha. Again heard nothing. My email to him attached, with supporting documentation about the dispute. It appears that neither credit card company protected my consumer rights provided through XXXX or Fair Credit Billing Act. I am requesting your help to get this dispute processed correctly and issue the refund. Thank you.
12/22/2016 Yes
  • Bank account or service
  • Checking account
  • Making/receiving payments, sending money
  • AZ
  • 85202
Web
the bank i use for my online billpayments charged me a fee in error, i had more than enough money available at the start of the day and had more money deposited on the day of the payment on top of it, yet for some inexplicable reason they charged me a {$33.00} fee and appeared to show that the payment request i submitted had failed. i called my bank to discuss this, they told me on a recorded call that the payment had failed and i needed to submit another request for the payment, they also refunded my fee. i then submitted another payment request per their instructions, the next day my second payment request was sent and the XXXX XXXX was re-attempted. this caused another NSF fee and ultimately for XXXX of the XXXX payments to be returned from my payee ( a credit card company that then charged me a fee for the returned item, they did refund the fee but of course i had to call and spend additional time dealing with that issue all thanks to my bank giving me the wrong instructions on what to do ). In total i spent over 4 hours on the phone with my bank over this issue in XXXX. Meanwhile i moved most of my money into my local credit union account because i felt i could n't trust my online bank to not XXXX while they were adjusting my fees. now 3 weeks later they have charged me for XXXX additional {$33.00} fees and refunded XXXX of them. The XXXX fees are allegedly over a billpay item that does n't appear in the account transaction summary as scheduled, pending, delivered, anything. I finally asked them to close my account and give me my money back but they said they want money from me to cover the bogus fee ( # XXXX now, just so its clear ; XXXX bogus fees they 've assessed in less than 2 months ) before they will close my account. I always had enough $ in the account to cover the initial payment that started this whole mess, they never once explained why charged me a fee in the first place, they just waived it and told me they were sorry and i had to schedule another billpayment. From then its only gotten worse and they 've accepted less and less responsibility and made me have to jump through more and more hoops just to get them to give me back my $ that they never had a right to take int he first place. Please make them prove that my account was ever overdrawn by anything other than the fees that they charged me.
12/18/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • AL
  • 36111
Web
XXXX XXXX sent me an offer via mail for the XXXX XXXX XXXX XXXX XXXX an 8.99 % fixed APR on transfers made within the first XXXX billing cycles. The cards are issued by First Bankcard. I was provided a " XXXX XXXX '' & the option to apply online at the following web address : yourbankcard.com. I applied online & never received any information stating that I was approved, much less the credit limit I was approved for. I was never sent an email confirmation or anything similar. Not too long after that, I received credit cards in the mail in my & my husband 's names w/ instructions on how to active them. On XXXX XXXX, I called the phone number listed on the card to get more details & it was then that I discovered the card 's limit & that the card was already assigned to me - as in tied into my credit. I talked to a rep & informed him that until my call, I was unaware of the credit limit assigned. Had I known, I would have declined the card. I needed to transfer more than twice the amount XXXX XXXX assigned as the limit. He & I went back & forth on the difference between " applying for '' an offer & " accepting '' an offer. I find it hard to believe that someone 's application process serves as an agreement to terms that are n't provided. I do n't believe it 's moral to provide partial information to lure someone to apply for something & use the application as a binding agreement to unstated terms. The XXXX rep I talked to on XXXX XXXX said the terms were provided during the application process, yet when I asked for a copy of the terms he was referencing, he nor his supervisor were able to supply them. Furthermore, I was told that " if the terms were n't provided during the application process, they would have been sent with the credit cards. '' However, that 's my point : I do n't want to discover the terms after I 'm already committed to it. I want to know the terms ahead of time so I can decide if the offer fits my needs. I want this card removed from my credit history all together, not just closed. In addition, my smartphone will not clear data from the website " yourbankcard.com. '' I 've even conducted a hard reset, yet that website retains the same amount of data. I applied for the card on my laptop, & my phone is n't synced to the laptop. Any insight on removing this data would be appreciated as well.
07/28/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 92646
Web
I sent my payment early for XX/XX/XXXX on XX/XX/2018, with my letter requesting they had made an error in charging me late fees and interest. My payment was 18 days early as it wasn't due until the XX/XX/XXXX of the month. When I looked at my bill again, I saw that they had been charging me late fees for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. I had made my payments by the due date. They stated that they did not receive my payments by the XX/XX/XXXX of those months, which is their cycle. I called them on XX/XX/2018 explaining this, but they did not seem to comprehend what I was saying. I again stated that I did not know how long they held my check once it was received by them, so the interest charges were incorrect. I had never had a late payment on this account. I sent a letter dated XX/XX/2018, with my payment explaining that they may have held my payment so they could charge me a late fee. When the supervisor called me she was responding to my letter and that my payment was entered into their system after the cycle. Their cycle was the XX/XX/XXXX of each month and that if my payment was received in a 3-day window between the XX/XX/XXXX and XX/XX/XXXX of the month, I would not be charged a late fee. I again stated that because they were out of state, I did not know long they held the payment prior to them inputting it into their system, but that I was not late and had never missed a payment. The US Postal Service can be a bit inconsistent on deliveries and mail could take between 5-7 days to an out of state address. On XX/XX/2018, I received a letter from " Office of the President '' dated XX/XX/2018, stating they were looking into my concerns of XX/XX/XXXX and XX/XX/2018 and would need to do additional research. On XX/XX/2018, I received a notice from XXXX XXXX that my account had been closed. When I went onto the site, it showed on XXXX my account from was closed on XX/XX/2018 and XXXX showed my account was closed on XX/XX/2018. Both inconsistent and after the date of their letter to me. I was never contacted by XXXX XXXX ( XXXX XXXX ) about this, nor was any further research results forwarded to me. Closing my ; account abruptly like this is unfair, unduly harsh, bad for my credit, and I believe it is in retaliation for my complaining about their faulty business practices.
10/09/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • WV
  • 26260
Web Older American
On XXXX/XXXX/2015 XXXX XXXX Sales and Rentals of XXXX XXXX XXXX XXXX WV XXXX started processing a new merchant account / credit cards through " XXXX product of First National Bank of Omaha address XXXX XXXX XXXX XXXX XXXX Member FDIC XXXX. XXXX XXXX number XXXX with a Point of contact of XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX XXXX XXXX. 1. First problem no written/signed copies of your signed agreement with the Bank and us, none was provided back to us. 2. The Bank rates differ greatly from the in writing promised rates. 3. Fees different as promised. On XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I wrote the following email " Dear XXXX, I just got my bank statement and XXXX XXXX is {$800.00} more than what you quoted us. You Promised we would save {$200.00} on our fees so, that makes us {$1000.00} in the red. Please contact me as soon as possible. '' Reply on XXXX XXXX XXXX the following- " XXXX XXXX ', checking the situation out. What ever, their will be a credit on next months bill to straighten things out. Frankly, I believe it was the XXXX " SALES SUPPORT '' teams fault. I had a bad feeling about the situation when I sent the deal in. The " Sales Support '' team member did n't fully understand that we had done a price comparison program with you all and he entered the rates as if it were a new account accepting credit cards without the card holder being present. That rate is higher, but we had worked out a comparison program based on your previous statements. In my talking to XXXX regarding this it seems that the Sales Support Team Member I got who 's job it is, is to see that applications are filled pout properly took it upon himself, without consultation with me, to enter the rates as if XXXX XXXX was a new merchant with no processing experience. So he, the Sales Support Team member entered our highest rate. I was told the Sales Support Team Member was a relatively new employee and not totally familiar with systems. I am getting it straightened out and will have credits issues for this most recent months statements and last months partial statement.I 'll call you when I have more definite word. I deeply apologize for the mistake and inconvenience. XXXX XXXX " XXXX '' XXXX XXXX " XXXX was to be 2.25 % now 4 %. Has been no further contact from anyone at XXXX XXXX.
04/02/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • WA
  • 98407
Web Servicemember
I got a voicemail from a debt collector saying I needed to return the call because they were trying to serve me with papers for a lawsuit but were unable to find me so I had to call and update my address. When I called they said it was about a lawsuit ( court date was supposed to happen within 10 days from the call I received, on XXXX XXXX ). They offered me to settle for more than 60 % less than what I I supposedly owed. I knew I had a debt with said original creditor but did not remember the exact amount which appeared to be way off. I gave them my email address and asked them to send me details about my account as I did not remember the exact amount. After hanginf up with them I went online and ordered my credit report. As I suspected, the amount did not match what the debt collector said ( The original debt on my credit report states {$4.00}, the debt collector said it was {$3.00} and offered me to settle for {$1.00} ) Also, the collection agency which holds my debt as it is on my credit report is XXXX XXXX XXXX not XXXX XXXX which is the one who contacted me. Different name, different number, different address. I also did a search online on the Stete of Washington Courts and called the court in my city as well to find out if I had really been taken to court. No records were found under my name whatsoever. So I called the agency who contacted me and told XXXX XXXX XXXX that I needed proof that they really owed my account and were legitimate as I could not confirm any of the information they gave me as correct. He then proceeded to threaten me saying my wages were going to be garnished and before he hung up on me he said " We will see you on court on XX/XX/XXXX ''. I have the copy of the validation letter they sent me along with the proposed settlement. Not sure how to proceed as the information does not match and also think it was not professional and very suspectful that he became upset and simply hung up on me after being confronted and requested further information. Also, came to learn later on that a guy named XXXX XXXX who had contacted me before at work, had also contacted a family member revealing private information about the referred debt and also leaving a message saying if I did not call them back, they were going to garnish my wages.
06/10/2017 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Problem adding money
  • FL
  • 33012
Web Older American, Servicemember
The account was opened on XX/XX/XXXX and never was provide the service by the sales person, XXXX XXXX representing the merchant for the use of the credit card machine. In addition, I paid {$35.00} extra for an upgraded wireless credit card merchant processor . Again ne ver received the item. Since then the machine only functioned during the month of XX/XX/XXXX never again. I complained serval times to the sales rep, XXXX XXXX ( ev ery month ) and was told that the company would replace the machine which never arrived and that the monthly service charges would be refunded. I was ignored and lied too continuously as no action to correct this matter was taken by the Merchant. I have also been charged an Annual fee of {$120.00}. I contacted their customer service on XX/XX/XXXX and spoke to XXXX , also on XX/XX/XXXX and spoke to XXXX to complained about the Annual Fee and Monthly Charges as well as to complain about the credit card machine still not working and the sales rep not responding as promised. Both XXXX and XXXX , Customer Service Reps advised that the company would refund the Annual fee and the monthly charges. I followed up again with their customer on XX/XX/XXXX and spoke with XXXX since the refund was not done. XXXX said that she would research what happened as their system showed I was to be refunded. She said that she would follow up with a response no later than XX/XX/XXXX but I never received a call back. I called again and spoke with XXXX on XX/XX/XXXX to explain the above was promised a replacement credit card machine which was received in XX/XX/XXXX and on XX/XX/XXXX the business was sold. I informed th e Sales Rep, XXXX XXXX of the sale and completed a new agreement with the new owner of the business and that my lease agreement would be cancelled without penalty. The sales rep, XXXX XXXX that same day the new account was signed with the new owner took the credit card machine that was assigned to me. The new owner received a new credit card machine later that week. I continue to receive calls and am being charged for services I no longer am responsible for. This unjust and criminal. As of XX/XX/XXXX the total amount taken from my back account is {$370.00}.
03/05/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • NY
  • 11103
Web
I have been a credit card member of First National Bank of Omaha ( FBNO ) since XXXX. I have been in excellent standing, doing minimum automatic payments and even doing additional payments. My credit limit was {$2000.00} which I was emailed today telling me as of XX/XX/XXXX my limit would be lowered to {$1700.00}. This changed my avail credit from {$380.00} to about {$83.00} - thus changing my debt ratio closer to the credit limit. This will naturally lower my credit score. My credit score is currently rather low. I had a couple other credit cards unwilling to lower my APR so I turned to XX/XX/XXXX in order to consolidate those cards and force a conversation with creditors when they previous were stubborn to negotiate lower aprs. To this date I have settled 4 credit cards and have one credit card remaining with XXXX XXXX XXXX to negotiate a settlement. FNBO was the ONLY credit card I kept out of the XX/XX/XXXXconsolidation program. After receiving todays email from FNBO regarding my account changes I called today XX/XX/XXXX at XXXX PST to ask for clarification and assistance. I was transferred to supervisor XXXX extension XXXX. He said negotiating to revert my balance back was out of his hands and a fact. When I asked to speak to someone else, he refused. So my understanding is this ... I have been unemployed since XX/XX/XXXX due to Covid19. Covid has affected the world health wise and economically. Even through unemployment, a pandemic and lack of income, I have making automatic payments, paying additionally, and been a diligent, dedicated customer since XXXX - yet FNBO will use predatory tactics to aggressively drive up debt and refuse to listen to their customers concerns, simultaneously instrumental in destroying good standing customers credit. Yet, are they asking for help from our US government or getting Covid relief? I find this behavior to be somewhat criminal. I find FNBO behavior to create a culture of economic disparity. This should not be allowed. If the idea is to force a settlement, then my options are they offer one or I in fact stop payments and force a dialogue with FNBO which would, unfortunately , drive my credit into further peril. How is this responsible behavior by FNBO?
11/27/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CO
  • 80516
Web
I was incorrect on the dates in complaint XXXX. I have corrected the dates below : On XX/XX/2019, I paid {$500.00} via my debit card to have a master extentionist, XXXX XXXX, ( turns out she lied and is not a master ) to purchase hair to install on my head. On XX/XX/XXXX, she told me she needed to buy more hair. I paid {$700.00} cash, ( new hair XXXX and XXXX for install ) .The woman purchased the wrong color and proceeded to die the hair an even worse color. On XX/XX/2019, I paid {$250.00} to remove the old hair from my head. After removal, she install the new hair. The woman did a horrible install. On XX/XX/2019, a {$700.00} charge was made by XXXX XXXX through XXXX XXXX XXXX. I was not present when the charge was made, I did not sign the receipt as she forged my signature, I did not receive services for the {$700.00} nor did I authorize the charge nor did I sign the receipt. I was not present at the time of the charge, I was at the gym with a biometric signature at the gym. Upon research, I learned the woman had little experience in install of extensions as she only finished school recently and her company is not state licensed. She claimed to have XXXX clients which is untrue. I filed a civil suit for damages done to my hair and I filed a police report XXXX for the unauthorized {$700.00} charged to my card. The receipt is forged. I contacted my bank, First National Bank of Omaha. I was issued a provisional credit for {$700.00}. On XX/XX/2019, First National Bank of Omaha reversed the {$700.00} credit leaving me in Minnesota with no gas money, no money for my hotel and there are freezing temperatures. I am stranded and can not go home with no gas. If I leave, I lose my job. I do not know anyone here. First National Bank of Omaha is claiming the forged signature on the receipt the merchant presented is my signature. I was at the gym signed in using biometrics to enter the gym at the time the charge was made for {$700.00} to my card. I did not sign the receipt. She had my signature on an authorization form which she used to copy my signature. She has done this to 4 other patrons. The police are going to issue a warrant for her arrest for forgery, fraud and theft over $ {$500.00}.
02/23/2016 Yes
  • Credit card
  • Billing disputes
  • CA
  • 91942
Web
Consumer Finance Protection Bureau XXXX XXXX, XXXX Please file this formal complaint against : First National Bank of Omaha XXXX, XXXX XXXX Consumer Finance Protection Bureau Specialists, Please consider this a formal complaint against First National Bank of Omaha ( FNBO ) XXXX Credit Card Program. I have attached screen prints of my online account ( XXXX ending in XXXX ) to support this complaint. In XXXX XXXX, FNBO stated my minimum payment due on XXXX XXXX, XXXX, was {$320.00}. Since I was going to be traveling, I submitted the XXXX payment early. I made XXXX payments of {$160.00}. XXXX on XXXX XXXX, and and the other, on XXXX XXXX, to keep my account current. FNBO accepted the payments, and showed my account not only as current, but with XXXX amount due for XXXX XXXX, XXXX. ( Please refer to attached FNBO account documents ) On XXXX XXXX, XXXX, I reviewed my account online, and was surprised to discover FNBO showed my account in arrears, and delinquent for XXXX XXXX. A warning banner appeared for my account, along with a late fee, and a {$410.00} mininum payment due XXXX XXXX, XXXX. FNBO also severely damaged my credit profile by reporting my account as delinquent to the major credit bureaus. I submitted the {$410.00} payment on exactly XXXX XXXX, and my account is current. It appears FNBO 's payment processors will not credit any minimum acceptable payments made in advance of the due date. These early payments are posted as made, but not credited towards the future payment due date. Until FNBO resolves this erroneous payment processing, I am not submitting anymore early payments. This also had occurred previously in the month of XXXX XXXX, but I was unable to download my account information because FNBO listed my prior payments as " unavailable. '' I am requesting for FNBO to immediately remove their delinquency listing from my consumer credit report and, to refund my XXXX XXXX, XXXX payment of {$410.00}, Hopefully this letter and my attached documents will assist other consumers who are also having their payments not properly posted. Please give this matter your most direct and expeditious attention.
08/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78666
Web
The bank of my called First National Bank of Omaha Acct # XXXX did not send electronically as I wanted when I set up the payee online. They sent to the XXXX XXXX XXXX late! The XXXX XXXX XXXX refused to change or correct the information. However, they did AFTER receiving the check from the First National Bank of Omaha. On my first attempt, I tried to fix but they did not believe me. I have a several pictures attached to prove you. The XXXX XXXX XXXX charged me on late fee and even charged me for {$13.00} dollars for interest rate. Why would they charge me twice??! The XXXX XXXX XXXX is a rip off! I asked them to credit both and the bank refused. I did pay the payment on time which was XX/XX/XXXX ... .before the deadline date. I pay on time always, but the bank and credit cards keep messing up my credit record. THIS IS WHY I am frustrated with them. They always ruin my record. I ask you to please investigate this thoroughly. How did I know I did not have a good record? XXXX was the one that shows me the problem and it started with XXXX XXXX XXXX. In fact, I called them today about why they changed the APR, they said they did not. So I don't know why XXXX has that information about the APR and it pulled ten points off from my record. I deposited my whole {$8000.00} cash into a secured card I requested. But XXXX is harming my record even though it was MY MONEY and I made it as a secured card ( last digit as # XXXX ) within XXXX XXXX XXXX. XXXX needs to fix this record and do not blame me for the APR because the man at the XXXX XXXX XXXX never told me about the APR. I would not want a secured card with a high APR, the XXXX XXXX XXXX never told me about the APR. However, the XXXX XXXX XXXX and XXXX both have different information on APR. Can you please have them fix the problem?! And keep my credit record clean as it was! Also, I check National Bank of Omaha, it has a proper status as + for a credit. However, the XXXX XXXX XXXX has - as a symbol for a credit. I do not like the XXXX XXXX XXXX s symbol. It is not friendly. They need to change to + as a credit. It is more proper status.
03/02/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • VA
  • 22204
Web
On Tuesday, XXXX2017, I opened up an online checking account with the First National Bank of Omaha ( FNBO ) after doing online research through XXXX. I truthfully and completely answered all their questions about the account I was using, which was my account with XXXX., to fund the new account with FNBO. I opened the account with an initial {$1.00} deposit, which was accepted by FNBO. On my application, I indicated that I would transfer {$2900.00} per month into my FNBO from my XXXX account. On Wednesday, XXXX XXXX, 2017, I received an email from FNBO stating that I was suspended for transferring funds into this account. This was after I transferred {$1400.00} to the FNBO account from my XXXX account. When I called to inquire as to why ( especially given the fact that there had been no issue with the {$1.00} transfer from my XXXX account to the FNBO ), I was informed that it was because of fraudulent activity, which I have never been a part of it nor had it raised as an issue with other bank and brokerage accounts I have opened online-including my XXXX and XXXX XXXX accounts, both of which are larger and more prestigious banks than FNBO. I was never given a satisfactory response as to why my account was flagged and my money held for three days, and would not be available until Monday, XXXX XXXX. FNBO 's verification processes are arbitrary, discriminatory and can not be justified. If there was any concern about fraud regarding my XXXX account, the {$1.00} deposit should have been rejected and at that point, the {$1400.00} deposit should have been as well. Instead, FNBO accepted both deposits and then proceeded to slander my character by insinuating that I had committed fraud with the transfers from my XXXX account. I am the sole signatory on all of my bank accounts and I indicated as much on my online application to FNBO. I am seeking an elimination to these arbitrary and discriminatory practices by FNBO as well as to be made whole as their hold on my deposit will cause my rent ( which is {$1400.00} ) to be late and subject me to a 20 % late fee.
07/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 91324
Web Older American
In XXXX I applied for a loan on line asking for XXXX. To pay off loan I have with XXXX acct # XXXX XXXX. ( the first 8 numbers are x out ) because the interest was 12.5 % Soon after I applied I received an email saying Congratulations your loan was approved. I received no other correspondence until I received a bill on XXXX XXXX 2020 with the details if the loan. This was the first time I saw the terms and amount of the loan which turned out to be a credit card sponsored by my credit union XXXX and was a credit card not a loan. Acct # XXXX XXXX XXXX XXXX XXXX called First Bank that day. I asked why they were only paying XXXX. They said that in the fine print of the application it says they have the right to decide the amount of the credit. I explained that I did not agree to XXXX. I needed XXXX. They said well it's too late because the check had already been sent to XXXX. I tried again to explain that I did not agree to XXXX and I do not agree to your terms. I ask if the check had been cashed and they said no. So I asked them to place a stop payment on that check they mailed to XXXX on XXXX. They said the couldn't stop pay on a check until 21 days had passed after the date of mailings I tried to explain that that rule is for when a check had not been received. I was unable to speak to anyone in accounting who would know what a stop payment ment and how to implement that process. I sent letters, I called several times but all I got was a letter saying they had the right to choose the amount of credit. No answer to the fact they did not seek my approval for that amount and the fact I never agreed to their terms. I see this as a fraud. Get people to apply for a loan, give no info on the amount or terms and only allow them to speak to customer service who is not equipped to handle these issues. I wrote a letter, sent back the statements with notes but they refused to intelligently address the issue. What I need now is to have First Bank remove their reporting to the top 3 credit reporting agencies.FYIi XXXX cashed the check on XXXX
03/05/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • GA
  • 30022
Web Servicemember
On XX/XX/XXXX I received notice from XXXX XXXX that one of my accounts had been closed. Looking into this I discovered that First National Bank of Omaha had indeed closed my {$3000.00} credit account with a {$0.00} balance. I have had this account open for 6 years with an absolute flawless pay history ... .matter of fact I have a flawless pay history on all of my credit accounts. The reason I was given is that they use an automated system that determined they needed to close my account due to high balances. The {$3000.00} account that was closed pushed my utilization up to 56 % where it had been below that number. The reason I was given by Bank of Omaha was that they felt I was over extended and did not want to give me a chance to owe them any money and then not pay them so they closed my account before I had a chance to do that. Now I have a flawless pay history on all of my accounts ... revolving and installment and Mortgage. No reason to ever think I would not pay. Matter of fact I use my credit wisely and often pay off big chunks at a time, but really that is niether here not there. Because of this account closure ... ..that is 6 years old and flawless ... .they have hammered my credit scores by more than 40 points. Age/History makes up 35 % of your score. Now my scores have plumetted to the 660 range and this could cause a chain reaction down the line where other creditors might start cutting limits which will in turn drop my scores even further ... I had something similar happen in XX/XX/XXXX with XXXX and XXXX XXXX XXXXXXXX which you stepped in and helped me with and we were able to get their actions reversed. I understand that Bank of Omaha can issue and refuse credit as they see fit.. However, I do not see how they have the right to arbitrarily impact my credit scores when they have no track record of me being a bad investment. I have no bad track record on any of my accounts. The action of First National Bank of Omaha has made me look like I am just an average borrower of many when I have done nothing wrong.
07/07/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CA
  • 91761
Web
I received the XXXX rewards Mastercard in XX/XX/XXXX with a limit of {$9000.00}. I used the card and paid monthly on time, then in XXXX of XXXX I received a notice that my credit limit was drastically lowered to {$2600.00} and my balance at that time was {$2400.00}. I then called First Bankcard to inquire why my balance was so drastically lowered and they stated that XXXX reported to them that my score was XXXX. I then proceeded to state that was not true due to that I have an account with XXXX and my score was at a XXXX, I also called XXXX and they stated that a score of XXXX was not reported to First bankcard. I was also advised to send a copy of my credit report from XXXX to their credit dept. and I did but no response by mail or a phone call after the review. So, at this point I did not use the card anymore and just started to pay the card down drastically so I can pay it off. Then in XXXX of XXXX First Bankcard then proceeded to lower my limit again to {$2200.00} and I called again to get an explanation which was useless because everyone just says we sent you a letter to explain. At this time, I was searching for a mortgage loan to purchase a second home and I did have more inquiries, but none of my other credit cards have either lowered my limit or closed my account. I have all my other cards for years and none have treated me the way First Bankcard have. Now today XX/XX/XXXX First Bankcard closed my account with a balance of {$2000.00}. This will be very harmful to my credit profile. This is not fair that they are allowed to do this to people especially during a time of a pandemic and the way it is affecting people losing their jobs and homes. I have been extremely fortunate to be able to pay my bills on time even through all this and maintain my credit and now to find out that First Bankcard is the only company not helping people currently. All my other credit cards and my mortgage company have been extremely helpful during all of this. I would like an investigation into this company business practices against consumers.
10/31/2016 Yes
  • Credit card
  • Billing disputes
  • FL
  • 32801
Web
I have maintained a credit card with XXXX XXXX XXXX XXXX XXXX for several years. I made several attempts to close this account over the years and for some reason or another I was unable to do so and continued to receive billing statements. In the last few months I escalated my efforts to close this account as the bank has began to send collection reports to the credit agencies for a nominal amount after claiming to have been unable to contact me. The bank has my telephone number and I did not receive a single phone call from them on this matter and the only reason my address was out of date is because I had believed my account had been closed. I have had my account past due in the past and recall receiving automated calls from the bank notifying me of the same. I would have gladly paid these nominal amounts and again attempted to get rid of this credit line had I known about the issue. I attempted to deal with the bank directly to was told initially that a supervisor would review my record and listen to the recorded telephone calls over the past years and get back to me - which they never did. I again had to follow up with them as I received yet another bill but this time was able to learn a little from this process. When I would call the bank and try to XXXX the account out - the bank would take payment for the past due amount but not for the interest and charged thereon which would then come out on my next statement thereby preventing my account from actually being closed. The bank was also very resistant to sharing information with me regarding my file and has left me in a situation where I do not have all of the facts I need to show them ( the bank ) that they need to resolve this matter. They have also told me that they are unable to communicate directly with the credit reporting bureaus once a report has been filed and I need to deal with them on my own to fix my credit score. When I called my home bank ( XXXX ) i was informed that the affiliation with XXXX XXXX XXXX XXXX XXXX had been terminated for similar complaints.
06/26/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • IL
  • 60406
Web
I have been contacting this company since the middle of XXXX regarding my XXXX payment to no avail. Just told " I can't do that, there is nothing I can do ''. No one seems to be able to make decisions at this company. I communicated with someone in the office of the president on XX/XX/2020 regarding difficulty making my XXXX payment due to COVID19 Pandemic and not working for 3 months due to stay at home orders. She spoke about my account receiving a " skip payment in XXXX and XXXX '' but could not give me another one for XXXX. I asked what other options I had suggested changing my payment due date to later date in XXXX in couple of weeks since I would be returning to work and will have income then. She told me there was " nothing '' she can do to assist me with my XXXX payment She again stated that she " could not make that decision '' and then told me " customer service could change '' my payment due date and then transferred me to XXXX, in the customer service department. When talking to XXXX, she told me " we can't change your payment due date for XXXX, we can change it in XXXX. '' I needed assistance with my XXXX payment informing her that I will be able to resume payment in XXXX. She then told me she would waive my late fee for XXXX and make a note in my account to not charge me a late fee and also so I don't receive calls from them about my missed XXXX payment. However, I received my bill, and the company charged me a late fee for missed payment in XXXX and they would not remove it from my account as promised. They also called me late in the evening while I was working about my missed payment, harassing me, when told I would not receive such calls because they were noting it in my account to not call and waive the late fee. I want refund for my late fee. I have been proactive in trying to problem solve with this company to no avail. I told them on XX/XX/XXXX that I would be able to make a payment by the end of XXXX, couple weeks and I did. I made payment on XX/XX/XXXX. Please refund my late fee.
12/12/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • IL
  • 60148
Web Servicemember
First Bankcard has of Speedway gasoline, as a though Masters card offeratory ; has provided services only to the disrepair and disregulartion and not following what I do and did not authorize, last year into the XXXX XXXX XXXX account and an additoinal fee I was issued by XXXX for the cost that on before payment was scheduled, and by three days prior, and which is even before the date my work /SSI checks arrive ; oh they take ; then what is refunded is nothing, and I have {$1000.00} to bank on Bank Fees , and this is done by this wrong acquired mention ; and I want them cut off for sales ; I am XXXX , XXXX XXXX and since XXXX. Sickended by their pre-emptive empty and reaching, out without showing any signs or helping-fulfillment to the safety of the customer /consumers ; therefore, after this issue first unreveled my nerves on wire-wronged ; XXXX ; - XXXX again ; that's then about XXXX in toerated fees and while now I can not pay off the card, quickly wow i surely could have twice over, waited, went -not ; out, much and then on top of all the additional fees, and refusals told to helop ; their result is for a gift another " pre-charging, '' Why in XXXX, now into a ps i love yours ; XXXX is feestering how to compensate one now after they strike again ; The First Bank and called up, more help no help is now with COVID ; here, so out of XXXX a absoutely value of XXXX in fees ; I can't catch, up to to pay them any more this week ; and month maybe, or you can retrace my money venue ; and replay this moment ; I need the safe of FEMA money , invisible for oath and only true minding settlements for which, I will pay as I aid in schedule and responsive ; then I'm needing about {$400000.00} plus to pay off the card, in abuse over my head by their original Luring me to have this discount management ideal in tool ; another {$1000.00}, so that's the {$50000.00} on Speedway Gas/ First Bankcard Jist and thiefing alone. I will not stop until I am minded, heard, and refunded 100 % and more, thank you. Please aid,
01/06/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • CO
  • 80209
Web Older American
First National Bank Omaha - horrible customer service. Of course - they are the BANK so they are always right. I am only the customer confused by the inundation of unwanted offers and e-mails from the BANK. So decided to try an offer - a balance transfer from XXXX XXXX. I wanted to transfer {$200.00} using their " no transfer fee '' offer. Apparently I used the wrong check and was charged {$10.00} on a {$200.00} transfer. Usurous. That is an instant 5 % penalty. They were VERY unsympathetic. They got my {$10.00} for that tiny transfer! High fives!!! When I contacted the BANK and told them I intended to use a different offer, they were VERY unsympathetic and just told me they could n't do anything. We all know they could - so not only are they customer unfriendly but they are liars. They got my {$10.00} and to XXXX with what I wanted. They also misclassified the transfer as dept store/ retail - not a balance transfer from another card. But they are the BANK and always right. Note the unsympathetic response. Here is the classification they claim is correct : XX/XX/XXXX XX/XX/XXXX BALANCE TRANSFER - FNBO Retail/Department Stores {$200.00} XX/XX/XXXX XX/XX/XXXX BAL TRAN FEE - XXXX Retail/Department Stores {$10.00} This was a transfer from XXXX XXXX business cards so we can clearly see that the BANK did everything correctly. The classification of the transfer is my fault. Somehow. How do my balances increase when I have n't made any charges - I 'll include on example, there are others. Charge Summary XXXX 2015 Purchases 13.99 % ( v ) {$670.00} XXXX {$7.00} XX/XX/XXXX PR Special 9.99 % ( v ) {$620.00} XXXX {$5.00} XX/XX/XXXX BT Special 5.99 % ( f ) {$490.00} XXXX {$2.00} Charge Summary XXXX 2015 Purchases 13.99 % ( v ) {$670.00} XXXX {$7.00} XX/XX/XXXX PR Special 9.99 % ( v ) {$620.00} XXXX {$5.00} XX/XX/XXXX BT Special 5.99 % ( f ) {$550.00} XXXX {$2.00} How did the balance increase from {$620.00} to {$620.00} when I had made NO charges. This BANK is horrible. XXXX
08/01/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • HI
  • 96825
Web
I have an account with first bankcard, then my mother open another account with first bankcard and add me as an authorized user on another credit card with first bankcard which is different than the first bankcard I open on my own without letting me know in advance. I didn't mind that my mother open the account but first bankcard did not check with me which is a first red flag, when I find out later, the second red flag is first bankcard did not let me add that credit card to my online account to manage the account. When I call them, they dare to ask my mother 's personal private information include her social security which I did not give out and I don't think I want to give out someone's else social security either, which is another red flag. What they show here is lack of respect for the credit report holder which in this case was me when opening an account on my credit report without asking for my permission, then lack of respect for customer 's privacy when they started asking me my mother 's personal questions include her social security when I try to gain access to the credit card my mother open under my name when she add me as authorized user. This show lack of care for consumer privacy, and when I tried to close this credit card that is opened under my name, they said the fraud division would start investigate it which is ridiculous because they are the one who fraudulently open an account on my credit report without checking with me first and refuse to let me close an account on my credit report when asking for someone's else private information as an excuse to not let me access my own account. What a joke. I don't know who set up their system but it shows a total lack of concern for consumer 's private information rights. I own my own XXXX XXXX : XXXX XXXX XXXX ( registered in Hawaii ) and I would never set up a system where someone can open an account on someone's else credit report without their permission. My name is XXXX XXXX XXXX and my blog is : XXXX
08/24/2015 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • NE
  • 69301
Web
I went to the First National Bank XXXX XXXX XXXX to see if I could qualify for a mortgage. I had a short sale roughly 4 years ago in the spring of 2011 and the bank was aware of this the first day. Because I had relocated for my job I was forced to give power of attorney to my father to complete the short sale. By neglecting to tell me it is 4 years from the settlement date of a short sale before they can give any kind of mortgage, they moved forward by approving me for a loan of up to {$130000.00}. At that point I put {$500.00} earnest money down on a house. Then I liquidated my XXXX to the tune of {$25000.00}. I was also charged an appraisal fee of {$450.00}. After about a month the bank contacted and told me that they were denying me financing because my short sale had not reached a full four years. The bank was fully aware of this short sale and its settlement date from the very first day I went in and they neglected to be thorough in doing a financial background check. Due to the incompetence of the employee I am now responsible for fees and penalties of up to and over {$3000.00} and have nothing to show for it. First National should have denied me financing the very first day I walked in the door instead of telling me I was getting a loan. I then contacted the employee I was dealing with and was spoken to very disrespectfully when all I wanted was an answer as to why they were so irresponsible with there loan process. My goal in filing this complaint is to be refunded the potential fees of over {$3000.00} and if possible to refund me the {$25000.00} I withdrew from my XXXX. Keep in mind this was the very first time I set foot in this bank and this is how they treat potential customers. Please note the date on the attached conditional loan approval letter and the date on the attached good faith estimate paperwork are over a month apart. There was more than enough time for them to find any information about my short sale and inform me of what to do.
10/05/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70739
Web
Greetings, to whom it may concern, XXXX XXXX XXXX XXXX, natural man, Consumer and Creditor. This is a formal complaint that you are reporting inaccurate and incomplete credit information and I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts THE BUREAUS may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide verifiable proof. I demand that the account be verified or removed immediately : In addition you are making false claims against my estate 31 USC 3729-3733. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Also, you will find viewable at www.pulaskiclerk.com recorded in XXXX XXXX XXXX XXXX records, instrument No. XXXX, NOTICE OF XXXX XXXX & XXXX No XXXX XXXX XXXX XXXX XXXX for the Secretary of the Treasury of the U.S Department of the Treasury and NOTICE OF XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX for State of Louisiana.. See Maryland Department of Assessments and Taxation UCC File # XXXX. Thank You
02/26/2016 Yes
  • Credit card
  • Billing disputes
  • GA
  • 30338
Web
First BankCard ( XXXX XXXX issued Visa Credit Card ) emailed me my credit card statement for payment due on XXXX XXXX, 2016 of which i immediately as i always do send payment of {$230.00} ( above required payment ) through XXXX XXXX XXXX Billpay. The payment reached and was posted to First Bankcard on XXXX/XXXX/2016. On XXXX/XXXX/2016 I received another emailed statement stating my payment had not been posted. I generated a payment history on my XXXX XXXX XXXX bill pay and shows my payment was indeed paid and posted to First Bankcard on XXXX/XXXX/2016. I received yet another emailed statement on XXXX/XXXX/2016 stating my payment due was doubled to {$460.00} and my prior payment had not been posted and the new payment was due XXXX/XXXX/2016. Now i am considered delinquent. I contacted First BankCard on XXXX/XXXX/2016 at XXXX am eastern time and explained they were misleading their cardholders. Is what they did is emailed me a statement on XXXX/XXXX/2016 with payment due date of XXXX/XXXX/2016 but make their statement cycle end date of XXXX/XXXX/2016. So when i made my payment and it posted on XXXX/XXXX/2016 First bankcard employee stating my payment was posted to principal for the prior month cycle before XXXX/XXXX/2016 ( XXXX/XXXX/2016 new cycle starting ). So now since i am thinking my payment was posted and not worried about it until the following month they did not post my payment to the new cycle causing me to believe it was paid and misleading their cardholders. That small time gap makes people think their payments are posted to the new billing cycle but are fooled when the cycle actually starts days later and the payment is posted hours or days earlier. I want any negative comments posted to my credit removed and i want First Bankcard to remove any notations of me paying my bills late within their system which could jeopardize my low fixed credit card interest rate with first bankcard. remove any late fees also to my account.
10/28/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IL
  • 60008
Web
Applied for a XXXX First Bankcard with a 12 month 0 % interest rate When I applied I requested a {$2400.00} pay off of my XXXX XXXX XXXX I never received a letter or notice of my application. Approximately 3-4 weeks after I applied I received a letter and that same week an email to activate my new XXXX card. I called the Number on the card an stated I never received the card. the gentleman I spoke with said he would issue a new card and send to me in around 10 days. I ask if can be done faster and he stated they could expedite and get to me in 2-3 days. Five days late the card came by priority USPS Saturday XX/XX/2019. I then signed up on line to activate the card and get an account balance. it showed I owed {$13000.00}, the amount sent to XXXX. I immediately called and the supervisor who told it was a typo, she said they could not do anything that I would have to call to get the correct amount sent back to me. I called XXXX MondayXX/XX/2019 they told me they could not send the credited amount back to First Bankcard, but First Bankcard could issue a credit recall. With XXXX on the line I conference call with First Bankcard and the First Bankcard representative said she would issue the credit recall and it would take 24-72 hours. As of this writing Monday XX/XX/2019 the credit has not been issued the full amount still shows as full XXXX still has the full amount sent to them. After several calls today to First Bankcard they told me it is still processing. the operator I talked to said it was a very large amount, I told her that I need to talk to the Supervisors, Supervisor and that I was also writing this complaint to the CFPB. I've been diligently trying to get this taken care of since the call I made on the XX/XX/XXXX the supervisor told me that as of XX/XX/XXXX I would be charged for the transfer amount and a very high monthly payment, which i was trying to get my monthly payments lower.
02/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • CT
  • 06492
Web Older American
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.
04/20/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CO
  • 80916
Web
It all started when my wife a XXXX XXXX contracted XXXX and was quarantine in our home for 3 half weeks and off work for two more until she was XXXX XXXX for 10 days. I had perfect payment history and credit other than medical bills up until then. She had to file for workman 's comp and she wasn't receiving pay checks from her Work because she wasn't working and had no pto they where paying workman 's comp but it took a month half to get her first pay. that was ridiculous as well. When I told first bankcard there reply was that's not there fault she has XXXX and I'd have to pay the two months of late fees and the two minimum payments of 300 so it was 600 plus the two 50 dollar late fees so 700 dollars when we hadn't even made a payment for 50 days to anyone. We barley had money to even eat. So we had to pay the house so we would not freeze and the power was a necessity just the house and power was XXXX month. But I told them I wanted to apply for there covid relief program and when I gave them my bills they said my wife don't make enough to get the help XXXX is that we don't make enough to get help that's ridiculous. My debt to them went from XXXX to almost XXXX they have put close to 4 grand in late fees penilties so on They should be ashamed for targeting people in need of their understanding and they are making money from it. I was sickened by this and I might add that my other two cards through XXXX XXXX they dropped my payment to XXXX dollars a month from XXXX and dropped interest rate from 19 % to 1 % and said take as long as you need just pay the 61 now that's a true caring company. I have ruined credit now can't refinance my house because of this and am harassed up to 10 times a day from the company. It's sad and I hope something can be done because I am sure I'm one of thousands there making money off of in this time of need and pandemic. Thanks for your time and help .... XXXX
11/04/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • CA
  • 92109
Web Older American
Why you are taking this unreasonable poisition re my account is a mystery to me. I have an excellent payment history prior to the pandemic. Why don't you take this into account? Again for the record you are not responding to the main issue. I was never told that closing my account was a permanent thing and that it could not be reopened once the account was brought current. As I noted in my last complaint, there is also no mention of this detail in all your fine print account information. You failed to address this glaring fact. I have had this same " closed account issue '' issue wsth other credit card companies and they have allowed the account to be reopened because I made a best good faith effort to bring my accounts current in a very challenging economic time. So your company decision not to return my best good faith efforts is heavy handed and a bad faith personal choice that does not respond to a best fatih effort to open my account. This needs to be highlighted to the credit community as a whole. Your second decison to not provide a new account because of economic criteria caused by the pandemic, which was your only option to reopen my account provided, shows equal usury and contemptious behavior on your part. So I am formally informing you that I am unable to make my monthly minimum payments and you will have to enroll me in a payment plan that allows me to make minimu payments of {$35.00}. If you choose not to enroll me in a payment plan and demand continued minimum monthly payments and follow up with any type of harassment charge off credit reporting or collection actions. The economic consequences will be dire! I am also doing the initial research for filing a small claims action againt FNBO in CA for unfair business practices, usury behavior and economic damages. This can all be avoided my simply doing the right thing. So I emplore you, Do The Right Thing!
11/14/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 01089
Web
I XXXX XXXX hereby submits a complaint against XXXX XXXX XXXX as Assignee for First National Bank of Omaha as First National Bank of Omaha is stating that my identity theft complaint is not valid due to not listing the individual transaction. This collection will never stand in any Massachusetts court, and my identity theft complaint is now backed up by a second police report. First National Bank of Omaha is an FDIC insured financial institution, and my rights need to be protected under several federal laws. Recently, I had to re-submit a police report on an identity theft complaint from 2015. Had financial institutions such as XXXX/XXXX taken my rights serious as related to the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I would not be submitting this complaint with the Federal Deposit Insurance Corporation. However, I did initially submit my complaint through the Consumer Financial Protection Bureau ( CFPB ) as a means of bringing my complaint to a level playing field. Resolutions Investments LLC as Assignee for First National Bank of Omaha is now trying to negotiate a settlement after five years of a dormant account. The account was recently sold off to a third-party debt buyer, which is standard procedure by national banks for unenforceable debts. This debt is no longer valid or enforceable, and my file should be purged permanently. Any response to me with a 1099C submission will be protested with the Internal Revenue Service. I demand a permanent cease and desist from XXXX XXXX XXXX as Assignee for First National Bank of Omaha XXXX, and if a case such as this was ever submitted into a Massachusetts court jurisdiction, the filing attorneys would be seriously sanctioned. The debt is non-valid and my demand for a permanent file purge is within legal guidelines by precedent determined in federal jurisdictions.
06/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • WI
  • 54025
Web
I received a letter stating that I have a lock on my XXXX credit account and that I need to unlock it in order to continue the prequalification process. I called the FNBO on XX/XX/2021 to check on the meaning of this letter because I had applied for credit on XXXX XXXX and when I would look online at the status of my application it was still saying pending. the first line of representative I spoke to put me on hold to contact the relevant department about why my account is saying pending but I received this letter. I was then transferred to a representative on a recorded call who told me her name was XXXX and rep number XXXX between about XXXX XXXX eastern standard time. She accused me of lying saying that they never sent me any letter about lifting a credit freeze and that she doesn't believe that I have such a letter. She informed me that a letter was sent requesting more information from me in order to continue with and complete the application process. To which I informed her and other reps that I applied on XX/XX/XXXX and it's the XXXX of XXXX and I have not received said letter. I then requested if the letter requesting more information could be resent, emailed or if they could inform me over the phone what they needed from me so I can get it to them. I was told by the rep who accused me of lying and latter her supervisor that they can not resend the letter requesting more information, and that if I do not submit the requested documents my application will expire as I have failed to submit requested documents. To which I again informed all parties I only received a letter requesting to unlock my credit account not anything requesting more information. So in the end I will not be given an opportunity to know what it is the creditor needs from me in order to complete the application, and I will be denied for failure to submit requested information!
08/05/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 32822
Web
On Sunday, XX/XX/2020 I received a notice that FNBO was going to a 2 factor auth process for logging into their website in order to make payments on their credit card. Because of my XXXX of XXXX I am unable to receive the 2 factor call, since I use that landline phone for dial up internet access. Even if I disconnect to receive the call, and reconnect afterwards I can not HEAR the call in order to be able to enter the 2 factor number that is read by the system. I can not use text, as I do not have a mobile phone, since I can not hear, nor is there any service at my residence. FNBO suggested using an email instead. However, FNBO 's email is loaded with graphics and takes more than 10 minutes to download. FNBO has a 10 minute timer on its site, so this is not an option either, as I will be locked out before the email with the code can be downloaded. I have called FNBO twice, including tonight, the last possible day before I will be unable to log on due to the NEW 2FA policy, and they claim they can not waive it at all. Normally, I would quit such a business that does not handle my XXXX, but I will take a credit score hit for doing so. I have went back to paper statements, and do not want to have to go to paper checks when I have been paying them online for years, and only because of the policy change on XX/XX/2020 am I being prevented from using their online payment service. I ask that FNBO provide a reasonable accommodation for my XXXX in order to be able to continue to use the FNBO credit card as I have been doing for the last couple of years. I have NEVER forgotten the password, nor had it hacked. FBNO has claimed their process is " industry standard '', but NONE of my more than 20 cards from many issuers that I have require this process. In fact, the account worked perfect until FBNO decided to change their policy in regard to online log in to my account.
10/30/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 01089
Web
I XXXX XXXX hereby submits a complaint against XXXX XXXX XXXX as Assignee for First National Bank of Omaha as First National Bank of Omaha is stating that my identity theft complaint is not valid due to not listing the individual transaction. This collection will never stand in any Massachusetts court, and my identity theft complaint is now backed up by a second police report. First National Bank of Omaha is an FDIC insured financial institution, and my rights need to be protected under several federal laws. Recently, I had to re-submit a police report on an identity theft complaint from 2015. Had financial institutions such as XXXX/XXXX taken my rights serious as related to the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I would not be submitting this complaint with the Federal Deposit Insurance Corporation. However, I did initially submit my complaint through the Consumer Financial Protection Bureau ( CFPB ) as a means of bringing my complaint to a level playing field. XXXX XXXX XXXX as Assignee for First National Bank of Omaha is now trying to negotiate a settlement after five years of a dormant account. The account was recently sold off to a third-party debt buyer, which is standard procedure by national banks for unenforceable debts. This debt is no longer valid or enforceable, and my file should be purged permanently. Any response to me with a 1099C submission will be protested with the Internal Revenue Service. I demand a permanent cease and desist from XXXX XXXX XXXX as Assignee for First National Bank of Omaha XXXX, and if a case such as this was ever submitted into a Massachusetts court jurisdiction, the filing attorneys would be seriously sanctioned. The debt is non-valid and my demand for a permanent file purge is within legal guidelines by precedent determined in federal jurisdictions.
07/01/2015 Yes
  • Credit card
  • Balance transfer
  • GA
  • 30094
Web
In XXXX of 2015 I did a balance transfer from XXXX of my credit cards with a higher interest rate to my First National Bank of Omaha card. The rate on the original balance was at 12.99 % and the rate being offered by FNB was 5.99 % guaranteed for the life of the balance and with no fees involved. The amount of the transfer was {$7400.00} and was posted to the FNB account on XXXX/XXXX/15. The monthly payment on this amount on the original credit card was {$140.00}. The monthly payment on the FNB card before the transfer was {$170.00}, which resulted in a total per month of {$310.00} for both cards. Now the payment on the FNB card has increased to {$410.00} per month, {$98.00} per month more than I was paying before the transfer occurred. My question to FNB was how can my payment increase {$98.00} per month when the interest rate on the {$7400.00} amount went from 12.99 % to 5.99 %? Also, in the '' minimum payment warning '' of their statement it was explained that if I were to only make the minimum payment of {$410.00} every month it would take XXXX years to pay off the balance BUT if I were to make payments of $ XXXX it would be paid off in XXXX years saving me over {$1000.00}. FNB insisted that my minimum payment was indeed $ XXXX. When I suggested that I make the $ XXXX payment that was shown for early payoff I was told I would be charged a late fee every month. When I asked the customer service supervisor to explain the " fuzzy math '' to me, his answer was " That 's just how it works. '' So, by attempting to save money every month by lowering my interest rate by a full 7 % I am now spending {$98.00} more each month instead. I wonder how many other unsuspecting consumers have been mislead by FNB into transferring their higher percentage balances to this company and thinking they would also reduce their monthly payment by taking advantage of the lower rate.
06/06/2015 Yes
  • Credit card
  • Billing disputes
  • NC
  • 28210
Web
XXXX XXXXCard # : XXXX XXXXHello, My name is XXXX XXXX and I am writing as a very disgruntled card holder of your bank. On or about XXXX XXXX. 2015, I submitted through my Online Bill payment system, a payment in the amount f : {$67.00}. This check was apparently sent to your bank and received, and cashed on XXXX XXXX, 2015. But the funds never made their way to my Credit Card account as a payment received. I am not satisfied with this action, because your bank played a role in proactively making sure my payment was late and never posted. I had to send in additional funds to cover the minimum balance due at that time. As a customer with ALL XXXX Credit Cards that your bank offers, this really makes me think in a negative light about the actions and day to day activities at your bank. Not only could you look up my name and address on the front of the check - it even lists my credit card account number. Yet, the money still has not been posted to my XXXX XXXX account. The actions of your company has caused such a strain between me and the customer service team at my bank. You also caused continuous stress on me and your own customer service agents due to the fact that I CONTINUALLY CALLED AND AGITATED YOUR AGENTS ABOUT A PAYMENT THAT THEY TOLD ME I DID NOT MAKE. I know I am not mentally ill and I have the proof of such a payment. I 'm not sure who you have working for your company in accounts receivable, but they should to be replaced ASAP! Where is the money? I demand to be financially compensated for this shoddy error on your behalf. I would like the payment of : {$67.00} credited to my XXXX XXXX XXXX account immediately. I also would like an additional adjustment/credit made to my account for the exact amount of : {$67.00}, or I am requesting a Credit Limit Increase made to all of my XXXX/First National bank accounts immediately. Thank you, XXXX XXXX
10/11/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NY
  • 10002
Web Servicemember
My credit card statement for XX/XX/XXXX stated my total balance due was {$1800.00}, which I paid by check and sent it in well before the XX/XX/2017 deadline. My credit card last four are XXXX. Recently I received another bill stating I owed additional money. When I called the company, Friday XX/XX/17 at XXXX XXXX EST I spoke with XXXX and then a supervisor named XXXX who both stated I owed interest after my payment. They refused to remove the charges. This is clearly misleading billing. Please find attached a copy of the disputed monthly bill from FNBO. My point is the bill clearly states the total balance ( New Balance ) due. If I call Customer Service to make a payment by phone, the voice prompt asks if Id like to pay the bill in full ( Statement Balance or Current Balance ), which is identical to the amount shown on the statement. There is not an option on the paper bill or by phone to pay the now claimed higher total amount due. It is very unclear where FNBO claims they disclose the total amount due is NOT the balance due on the paper statement or by voice prompt via Customer Service dial in telephone. How, where and why do they disclose that a future payment will be added. I am stating the billing practice is not fairly disclosed and they should not have the right to bill me more after I pay the Amount Due/Statement Balance/Current Balance. In every portal to communicate with the company ( website, paper statement, voice call to recorded machine ), the expected amount due is not listed, but rather the amount due that I paid. Lastly, it is not true that the company could not or was unable to post the expected amount due as my balance was very, very predictable and so was my interest charges. It is extremely misleading and I feel very unfair. This is fifth grade algebra. Please help me to ensure this misleading billing practice is discontinued.
09/24/2016 Yes
  • Credit card
  • Billing disputes
  • IL
  • 60626
Web
I missed a minimum payment of {$35.00} on a TCF Bank credit card which was due on XX/XX/2016. ( I forgot it was due, because of a family emergency. ) On the morning of XX/XX/XXXX I realized this had not been paid, and I immediately paid the {$35.00} minimum due by paying online. Immediately thereafter, I called their customer service number and asked them to waive the late fee. They told me their policy is limit XXXX waive per year, XXXX in a lifetime, which is fine. Because this was the first time I asked, they said they would waive the late fee of {$26.00}. Their version of waiving is unique. Rather than tell you on the phone that your new amount owed for the next month is lessened to XXXX from XXXX -- whereby they subtract the late fee because they waived it -- they told me this : The new bill has gone out. You now owe {$74.00} minimum next month. I asked how that could be when I routinely owe about {$35.00} per month ( minimum payment ). They explained that I have to PAY the late fee XX/XX/XXXX and it will be CREDITED in XX/XX/XXXX Further, I have to pay them approximately {$18.00} in interest -- up front -- next month. AND I have to pay my minimum due for XX/XX/XXXX Total amount now due : {$74.00} minimum. They did subtract the {$35.00} I paid that morning as the new statement was reflecting an XX/XX/XXXX minimum due of {$100.00}. This is not 'waiving. ' This is having to expend more money the next month, then waiting another month for that 'waive ' to credit. And why am I owing interest as as an additional payment? And if they were able to subtract the {$35.00} payment of that morning by phone ( statement having gone out ), why were they not able to waive the late charge that morning by phone ( statement having gone out )? All I should owe for a bill due XX/XX/XXXX is roughly {$35.00}. Period. Thank you for contacting this company.
05/25/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • NJ
  • 08081
Web Servicemember
I opened this account as I wanted to leverage the 0 % interest purchase/balance transfer offe being extended until XX/XX/XXXX. Initial credit line was approved for {$4700.00}. Used $ XXXX of that for balance transfers. Paid more than minimum & on time every month. Out of nowhere credit limit was reduced to {$2200.00} which means my overall utilization will be around 90 % instead of 40 % which will negatively impact my credit score. I spoke to First Bank Card twice ( XX/XX/XXXX and XX/XX/XXXX ) and explained this and also that none of my other credit card companies have taken this step which tells me this was a decision First Bank Card made on their own ( an escalations rep admitted as much when he called me back ). This is wrong on so many levels. I asked the company if we could come to any sort or compromise such as leaving my limit at XXXX for now then when I pay off byXX/XX/XXXX then reduce limit to {$2200.00} after that time. I also suggested they make the available credit " frozen '' ( my current balance minus {$4700.00} ) so it can not be used as I had no intention of using it anyhow but have {$4700.00} reported to credit bureaus as my limit solely to help protect my credit score my reflecting a better credit utilization percentage. But they again said they would do nothing. If nothing is doneI will be paying this account off asap and they will not get a dime of money from me after that. As I explained to First Bank Card. If I would've known my limit was going to be reduced to {$2200.00} I would've simply capped my balance transfers to $ XXXX-XXXX tops. This was a bait and switch and now my credit score is going to be negatively impacted at no fault of my own. This is wrong on so may levels. Please hold First Bank Card accountable for their unethical business practices and assist me with getting a resolution. Thank you.
06/11/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • VA
  • 23503
Web Servicemember
I applied for two credit cards with XXXX XXXX XXXX XXXX XXXX on or about XXXX XXXX, 2017. The XXXX they say were declined because of too many inquiries. The XXXX XXXX was denied they say because I answered security questions incorrect. There seems to be a major problem with this bank. First of all both applications should of been declined if one application has too many inquiries. Secondly, I had an fraud alert on my credit report that I am trying to have removed. I am being told declined because I did n't answer security questions correct. Lets discuss this issue. One of my security questions was asking me about a phone number I had n't used in over 30 years. I am now XXXX years old so do you think I am going to remember an phone number from over 30 years ago. Why could n't they have sent an security text code to my phone like XXXX and XXXX XXXX. In some instances I was able to fax information such as social security card and current utilitiy bill proving it was me that applied for the credit card. I feel XXXX XXXX did n't want me to carry their credit card and just made up stupid reasons why credit was n't extended. This is why I am not doing any more business with XXXX website. Furthermore it seems too frivilous to come up with different reasons why I was denied a credit card. If too many inquiries then both applications should of been denied based on that reasoning. If both products pulled XXXX credit reports which the bank pulled then why was n't an security questions asked for XXXX XXXX card. After all, The fraud alert should have effected both applications! If the bank going to declined an application for unable to verify identity then it should effect both applications instead of one. XXXX XXXX just did n't want to issue me an credit card it seems. I feel I am being discriminated against because I am XXXX year old man!
06/26/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • PA
  • 16701
Web
I've had a credit card with First National Bank of Omaha ( FDIC CERTIFICATE # XXXX ) since XX/XX/XXXX, I don't use it all the time. I have had a XXXX balance for over a year, On XXXX XXXX, ( in the midst of the Covid-19 lock down ). I get a letter stating they had closed my account. I can understand that, so i called to ask if they could reinstate it because i do use it periodically. They said they could NOT re-open it, but I could fill out a new application and reapply. Here is my Problem. When they closed the account with no notice 1. that decreased my credit limit by XXXX dollars which means my the percentage of credit i'm using of my available credit went up. 2. it decrease my average length of time I've had credit. 3. by applying for a new credit card they will do a credit inquiry, These things will adversely effect your credit. I did call, the I emailed them through their website. " XXXX XXXX Customer Care Senior Specialist '' could care less, typical response - we take our customers correspondence Seriously and appreciate ... ... .. '' your credit rating/score effect interest rates on insurance, vehicles, etc. I think is a shame, while people were on lock down and other businesses were working to ease the pressures for people, FNBO was pulling credit from people who don't use their cards everyday but might actually really need them in the near future. While I '' m guessing, there is nothing we can do, I'm still electing to write my senator and congressmen and CFPB to let them know something should be done about these kind of things, especial in the midst of a world wide crisis, do banks really need to deactivating good customers lines of credit. I have other credit cards, but it's not just about me, what about people who might actually need their credit card now and this has been done to them. I think is a shame.
06/16/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • GA
  • 30228
Web
I am a XXXX hurricane disaster victim that has struggled to get back to normal since XXXX. I will be charged a late fee of {$37.00} on my credit card at the closing of my billing cycle, which is XX/XX/XXXX. I was not aware that First National Bank of Omaha ( XXXX XXXX XXXX ) strictly required a payment to be paid via central time on my due date referencing my credit card. I have taken immediate steps to eliminate the problem via starting to pay my credit card bill online with a scheduled payment, but the banks website does not update immediately for me to perform this simple action that is a hindrance. Therefore, I would like to respectfully request an adjustment of {$74.00} be returned to my credit card and ask that First National Bank of Omaha ( XXXX XXXX XXXX ) credit card department try to understand that a disaster does cause people to have struggles in life that are natural in occurrence and I am most certainly not just simply a customer that do not pay their bills on time. I also set-up auto pay to eliminate any further late fees, which took 30 days to set-up by First National Bank of Omaha ( XXXX XXXX XXXX ), and my account incurred an additional late fee of {$37.00}, simply shocking! The customer service agent said I was read a disclaimer which I did not completely understand because the agent spoke in English and not XXXX, meaning some things I understood and some I did not. My GOD, where is the humanity here? There are some moments in time ( disaster victims ) need help beyond the norm, especially when First National Bank of Omaha ( XXXX XXXX XXXX ) know that disaster victims do not have any control over a natural occurrence of nature and the disasters made headline news. All of my creditors worked with me, but I have concluded that First National Bank of Omaha ( XXXX XXXX XXXX ) is " HEARTLESS. ''
12/24/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MN
  • 55077
Web
I received a charge on my credit card bill for {$69.00} dated XX/XX/19 stating that it was for an annual fee. On XX/XX/19 @ XXXX XXXX I called the number on my credit card XXXX. The call lasted 10 minutes and 42 seconds. I inquired about the annual fee and the rep that I spoke with said that I must pay the fee. I informed the rep that I wanted the card cancelled immediately ; that I was not willing to pay {$69.00} for a credit card. I was told, regardless, I must pay the {$69.00} fee as I had already used the credit card. I again said to cancel the card and wanted to speak with a supervisor. A supervisor got on the line and told me that I must pay the annual fee as I had used the card. I was told that there was no way to waive this fee. I explained to the supervisor my frustrations and again said to cancel the card and I would be done with First BankCard. First BankCard refuses to cancel this card ; there reason is that when I called to cancel, the rep was not able to read me a full disclosure because I had asked to speak with a supervisor, therefore, they can not and/or willnot cancel this card. They are allowing charges to be made on this card, after I spoke with 2 individuals and told both individuals to cancel the card immediately. This credit card should have been cancelled on XX/XX/2019 at roughly XXXX XXXX, that date that I called and requested that it be cancelled immediately. There is no reason that this company should refuse to cancel the card and give some lame excuse that it is because they were not able to read me a disclosure. At that point, I did not care about any type of disclosure. I wanted the card cancelled immediately and did not want to be held responsible for another {$69.00} annual fee. This card should be cancelled effective on the date that I called and told them to cancel it.
12/24/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • FL
  • 33484
Web
my wife and I own three account with this bank for over three year. XXXX XXXX XXXX XXXX XXXX failed to accept us as good loyal customer. we guess it because both of our age on or about XX/XX/XXXXXXXX we request a credit increase of XXXX for XXXX for our grandkid and was denied why? just because of a credit score which in fact they cause the account was open inXX/XX/XXXX with a XXXX credit line with a income home of XXXX. and a mortgage payment of XXXX and XXXX XXXX equity in our home both car pay for and over a million dollar in assets and about XXXX XXXX in credit card per month payment but frist nation bank charge us a month XXXX interest on one card that they reduce for no reason at all. that card had a credit line XXXX and they reduce that line XXXX that drop the credit score about 32. that put any one into a high credit usage now with this card that we ask for an increase that usage is about 71 %. think it unfair for the bank to say that they are not discrimination, and what they are done tell you what you can do with out re-evaluate history as a paid customer. it wrong and unfair to denied a person credit increase for XXXX went you are take XXXX XXXX a month interest went that customer never being late. never failed on his schedule payment in a total 48 month on time ever month. that unfair and treat wrong in ever level of business particle for a bank that a customer have never not pay there month statement. I challenge XXXX XXXX XXXX XXXX to examine my and my wife payment history with this bank. and if you find any error in payment history please contact us and we will pay this account out and closed. that is for any account hold in my name. and for this bank to denied me a increase of XXXX to purchase XXXX and with the payment history with bank I.am not an attorney but something is wrong with this picture.
09/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60651
Web
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. First National Bank of Omaha ( FNBO ) violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
06/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • ID
  • 83864
Web
Re : First National Bank of Omaha I was walking out of the post office and made the call from my phone in the car after a long trip for my job. I dont know where to turn. Im so upset! Can you give me some advice? Ive had a card with them for years, no bad reports or lates. I found myself in transition selling my home if 16 years to relocate and start a new job 4 hours north. Im divorced and a very capable single female. I travel for a part-time XXXX job all over XXXX and XXXX, XXXX a rental remotely that houses 4 professionals & I XXXX XXXX XXXX. I work hard very hard and many hours. I called to talk to a phone rep to pay off my credit cards. I paid {$5700.00} and change to ensure it would be paid off because I wanted the cards to go away during this very busy time. My daughter is also coming to visit with her husband from XXXX XXXX. Im also shopping for a house during my transition. Im actually still moving from my prior residence of 16 years. This is why I called to pay this card off. Im overwhelmed. I arrive back to my PO thinking all my bills were paid with the exception of my car and utilities. Come to find out I had a 30 day late that they reported without skipping a XXXX beat! No phone call warning, nothing! Ive talked and disputed this but they are standing by their pat disclaimer. One of their phone reps snickered as I was explaining. Another better one, a guy said that the fee was slapped on right after I made the payment!!! Obviously you dont pay a bill with that amount with any idea this would ever happen. I knew the time was just flying so I did my due diligence to pay it off. I was begging them to reverse the damage. Heartless people!!! NEVER DO BUSINESS WITH THIS BANK!!! My credit score WAS very good. Now I cant purchase my next home until this gets fixed. Please help!
05/01/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • TX
  • 77619
Web Servicemember
I recently received a letter ( copy attached ) attempting to collect a debt from a law firm, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, on behalf of First National Bank - Omaha. The letter was sent to a former address. I responded by letter ( copy attached ) requesting proof of debt and other records certified by custodian of records for FNB. In response, the law firm sent a photo copy of a purported judgement, obtained in XX/XX/2016, from a Justice of Peace Court in XXXX County. I was never served with a subpoena or summons, and was unaware of the judgement, which I am yet to independently verify as truthful. I responded, informing the firm I was not accepting that document, and again requested bank records. Yesterday I was made aware that the firm sent documents via US Postal ( regular mail ), again to a former address. Said documents were in an envelope that appears to have been opened and resealed with tape. Said documents included my complete social security number, and other person identifiers and information. The same documents also contained a great deal of incorrect information. I believe said documents were obtained from an on-line data service that collects public records ( such as XXXX ). Again, they failed to comply with my request for actual bank records. Of greater concern is the gross misconduct of exposing personal data in such a manner. I know this firm is nothing more than a debt collector engaging in the purchase of outstanding debts. I do not believe they have the means to produce the records requested. I am also aware that this firm has had a number of complaints filed against them, and was named in lawsuit filed by the Mississippi Attorney General. I believe they are disregarding consumer rights and laws pertaining to debt collection.
10/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • NY
  • 10116
Web
For the past several months I was harassed by The First National Bank of Omaha with regards to a credit card that I opened in XX/XX/XXXX. Every month I made my payments in full and on time. But back in XXXX of XXXX, I lost my job due to the current Pandemic and was unable to make my payments on time. I called the First National Bank of Omaha and explained my situation, but the did not accept my reasons for the delayed payments and did not off any assistance. In fact they insisted that I make full payment otherwise I would acrue late fees on top of my balance. So with that, I said I could try, but it would mean choosing between feeding my family or starving. I chose my family and thus didn't make any payments. What happened next was terrible as each and every day I received up to 5 phone calls from The First National Bank of Omaha demanding payment. This went on for 8 months. This was definitely harassment during a very dire world epidemic. But they didn't care and all they wanted was their money. They reported me to all 3 Credit Bureau 's and my credit score was badly affected. More over, on XX/XX/XXXX, I was finally able to pay off my balance in full of {$370.00}, yet The First National Bank of Omaha claimed to all 3 Credit Bureau 's that I never made any payments. I have proof from my account that a payment was made in full and I also have proof that the amount was debited from my Checking Account. So I want to file a fraudulent claim against The First National Bank of Omaha and demand they update my information with all 3 Credit Bureau 's and remove any defamatory remarks This is affecting my chances of getting a new job and getting a new apartment. They Lied and now I am paying for it. I will seek a lawsuit against them if they do not resolve this.
10/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10116
Web
For the past several months I was harassed by The First National Bank of Omaha with regards to a credit card that I opened in XX/XX/XXXX. Every month I made my payments in full and on time. But back in XXXX of XXXX, I lost my job due to the current Pandemic and was unable to make my payments on time. I called the First National Bank of Omaha and explained my situation, but the did not accept my reasons for the delayed payments and did not off any assistance. In fact they insisted that I make full payment otherwise I would acrue late fees on top of my balance. So with that, I said I could try, but it would mean choosing between feedingy family or starving. I chose my family and thus didn't make any payments. What happened next was terrible as each and every day I received up to 5 phone calls from The First National Bank of Omaha demanding payment. This went on for 8 months. This was definitely harassment during a very dire world epidemic. But they didn't care and all they wanted was their money. They reported me to all 3 Credit Bureau 's and my credit score was badly affected. More over, on XX/XX/XXXX, I was finally able to pay off my balance in full of {$370.00}, yet The First National Bank of Omaha claimed to all 3 Credit Bureau 's that I never made any payments. I have proof from my account that a payment was made in full and I also have proof that the amount was debited from my Checking Account. So I want to file a fraudulent claim against The First National Bank of Omaha and demand they update my information with all 3 Credit Bureau 's and remove any defamatory remarks This is affecting my chances of getting a new job and getting a new apartment. They Lied and now I am paying for it. I will seek a lawsuit against them if they do not resolve this.
04/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MI
  • 49464
Web Servicemember
I have contacted First Bankcard numerous times over the years about concerns about how they allocate payments. They honestly have the worst customer service I've ever seen. I have numerous credit cards, and I never have issues with others like I do with First Bankcard. And there customer service is horrible. Very impersonal. They could care less about anything you contact them about it seems. I have maintained for years that they do not apply payments properly. They always apply payments to the balances with the LOWEST APR instead of the balances with the HIGHEST APR like they should. I don't know what else to do. I've written them about this numerous times, and they even put in writing back to me that they do this, and they maintain that is what they are supposed to do. Anyone with any common sense knows that is backwards and not how payments should be applied. But, they don't care. I don't know what else to do. I have specifically made large payments toward my balances when promotional interest rates are expiring, in order to get the promotional balance paid off so the interest rate does not rise, and they do not apply the payments to the promotional balance when it is expiring. I've even sent the payments to the general " customer service '' address with a note explaining to please apply it to my promotional balance so my interest rate does not go up, and they just totally ignore that, but send a letter telling me the payment was sent to the wrong address. They do a lot of things not in compliance with the law on how payments should be applied. And they don't care when it is brought to their attention. They also do not list promotional interest rate expirations on your statements or alert you when it is going to expire like they are required.
06/18/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • CA
Web
I changed my address on file with this lender as I am temporarily living abroad at the moment and it would make it easier for me to receive my mail. Much to my surprise, when attempting to use my card, it got restricted. I attempted to reach out to FNBO twice and I was told everything should be okay and my activity would resume within 2 minutes time. When that did not happen, I contacted again to be told in a derogatory tone that someone living in XXXX ( this was referring to me ) had attempted to call multiple times before about this matter and that my account was still on hold. I would like to add that I passed every single verification question presented to me. Much to my surprise, my account has disappeared from my online area and I am being told that a research department needs to review the fact that I have a foreign address. And that I attempted to do a transaction larger than my credit line ( {$3000.00} attempted transaction when my credit line is of {$2800.00} ). For this lender, these are " red flags ''. Since opening this card in 2017, I have never been able to get a credit line increase with this lender. I have consistently experienced a discriminatory tone when speaking with FNBO representatives due to my XXXX name. My account is equally frozen or restricted whenever I travel despite maintaining a consistent payment history. I do not think this is acceptable and I believe I am facing credit discrimination. I have heard the lender make negative comment about my national origin ( XXXX ) and I being refused access to my credit card even though I qualify for it. I have passed every single verification question presented to me and it is my belief that I am being denied access to my credit card account for discrimination reasons.
09/16/2016 Yes
  • Credit card
  • Billing disputes
  • IL
  • 60409
Web
TODAY I RECEIVED A LETTER SAYING THAT THEY TERMINATED MY ABILITY TO USE MY CREDIT CARD WITH FIRST NATIONAL BANK, OMAHA. INCLUDED IN THIS LETTER, WAS A DEMAND FOR THE CURRENT BALANCE OF {$250.00}. THEY INCLUDED A CONTACT NUMBER TO MAKE IMMEDIATE ARRANGEMENTS TO PAY THE OUTSTANDING BALANCE. WHEN I CALLED, THEY INFORMED ME THAT THEY HAD TERMINATED THE ACCOUNT, DUE TO A SERIOUS LATE AND NO PAYING BEHAVIOR PATTERN. WHEN I SPOKE TO A LADY, SHE STARTED NAMING OFF DATES THAT BOUNCED CHECKS, NFS AND CONSISTENT LATE PAYMENT BEHAVIOR WHILE USING THEIR CREDIT CARD. FIRST OFF, I DO N'T USE ANY CHECKS. THEY REFUSED TO GIVE ME THE CHECK #. WHEN I ASKED THEM TO SEND ME A LETTER DOCUMENTING ( DATES ) BOUNCED CHECK NUMBERS, CONSISTENT NFS AND LATE PAYMENTS, OVER THE PAST YEAR OF HAVING THEIR CC., THEY SAID THEY COULD NOT DO THAT. THEY THEN SAID THEY WERE REFERRING TO AN NFS ON XX/XX/XXXX & XX/XX/XXXX AND A BOUNCED CHECK ON XX/XX/XXXX, PLUS THE ATTEMPTED TO AUTO DEBIT XX/XX/XXXX BUT I HAD CLOSED THE ACCOUNT. I AM NOT REQUIRED TO HAVE AN AUTO PAYMENT ARRANGEMENT. THIS WAS CREATED TO MAKE SURE THAT I DID N'T FORGET TO PAY THEM AGAIN. I CLOSED THE AUTO PAY ACCOUNT AND MADE A ONE-TIME PAYMENT ON THE XX/XX/XXXX. THEN THEY SAID THAT 2 LATE PAYMENTS CONSTITUTED A VERY SERIOUS DEROGATORY PAYMENT PATTERN, BEHAVIOR. TO BEGIN WITH, THIS WAS AN ACCOUNT THAT I HAD TO PAY TO OPEN AND I THOUGHT I HAD A GOOD PAY HISTORY WITH THEM. I DO NOT WANT THE ACCOUNT REOPENED. INTENT IS MY CONCERN. THIS ACTION ALLOWS THEM TO SEND A BAD REPORT TO THE XXXX CREDIT BUREAUS AND BY ASKING FOR THE TOTAL BALANCE, WOULD ALLOW THEM TO FURTHER DO THEIR CHARACTER ASSASSINATION, BY COUNTING THE DAYS IT TAKES TO GET THAT TOTAL OUTSTANDING BALANCE. INTENT IS THE ISSUE HERE, AS I SEE IT.
02/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 38866
Web
XXXX XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, fst ntl bk XXXX : First National Bank of Omaha to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District Court, XXXX District of California,
02/24/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • MI
  • 48221
Web
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.
05/04/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CO
  • 80621
Web Older American
Bank appears to have deliberately delayed processing a payment so as to put the account into default so that they could charge late fees and interest. I've gone back through account statements ( & checkbook ) and I have discovered a disturbing pattern. Most payments are processed on either the 2nd or 3rd day after the payment check is written, however, every third month ( i.e. quarterly ) payments are not processed until either the 6th or 7th day after the check is written. I normally make my payments early enough that I haven't been dinged for a late payment or interest charges until the payment that was due XX/XX/XXXX, check was written and mailed on XX/XX/XXXX, considering how efficient and consistent the USPS is, payment was delivered to the bank on XX/XX/XXXX, or at the very latest on the XX/XX/XXXX, however, the bank did not process the payment until XX/XX/XXXX. I sent a letter of complaint to FNB Omaha regarding the delayed posting and their response has a number of factual errors. First the response claims that they received my complaint on XX/XX/XXXX, the USPS certified mail receipt indicates that it was delivered on the XX/XX/XXXX. Second the response claims the payment was due on XX/XX/XXXX, the statement clearly shows that the due date was XX/XX/XXXX. If they are trying to cheat me by delaying processing payments, they are doing it to hundreds if not thousands of others. If I hadn't noticed that they delayed this one payment, I wouldn't have gone back through my records and established a consistent pattern of delayed payments. They are engaged in criminal activity and I can help you prove it. Documentation to support my allegations will be supplied on request.
11/10/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Making/receiving payments, sending money
  • TN
  • 37216
Web
I sent a letter to my bank, asking nicely for some forgiveness on late payments I had on a line of credit. I offered to sign up for automatic payments from another bank account on the line of credit in exchange for erasing the late payment marks on my credit score. I was contacted by XXXX ( ext. XXXX ) at First National Bank. He told me they would absolutely be willing to erase the late payments from my credit score in exchange for my signing up for automatic payments on the line of credit. He said that someone from the bank would contact me about erasing the late payments, and that he would send me the paperwork for signing up for automatic payments. The paperwork arrived, but I was never contacted by anyone at the bank about making good on their promise to erase the late payments. I filled out the paperwork and sent it back with another letter, outlining the terms that I was told about. I was still never contacted by anyone about erasing the late payments. The automatic payments have been going for several months now, but the late payments have not been erased from my credit score. I have called the bank several times to try and speak to someone, but I just get endlessly transferred around and told that they are not able to do anything to help me. XXXX, the original man I talked to, is nowhere to be found, and the extension he had is no longer connected. I am extremely upset about being lied to and would like to try and get this resolved, and have the company make good on the promises that their employee made to me. I have done my part of the agreement and signed up for automatic payments. Now it is time for the bank to make good on the promises their employee made to me.
01/25/2016 Yes
  • Credit card
  • Credit line increase/decrease
  • WI
  • 54729
Web
On XXXX XXXX 2016 I made a significant payment to my XXXX XXXX First BankCard XXXX credit card in preparation for our family vacation in the XXXX Keys. I wanted to have security when traveling ensuring a great trip and no financial worries. I had called to notify the credit card company on the XXXX that I would be traveling starting the XXXX and made a {$3000.00} payment to the card. The money was directly taken from my checking account and available the next day. I had never made a late payment on this credit card or any other debt I owe. My credit limit was set at {$4500.00} and had been since I received the card a year ago. During the trip, I used the card for everything, then XXXX night we were eating dinner and I went to pay for it. The woman said the card was declined! I told her that was impossible and to run the card again. She said it was still declined so I had to pay with the little cash that I did being with me. When I arrived back at the hotel I went into my credit card account to see what was going on. To my HORROR, it indicated that my credit limit had been changed from {$4500.00} to {$2600.00} leaving me with NO money! I called customer service and talked with a rep then her supervisor ... .they said that they can drop the limits at any time, and that they sent me a letter that day! They did not care that my family and I were STRANDED and had NO MONEY! To say there are no words to describe how enraged I was is an understatement. I can see making an adjustment if need be but when I was on vacation and it was documented in their system that I was on vacation and would be using this card ... .that is totally wrong on all levels of human decency!
02/06/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • SC
  • 29229
Web Servicemember
I paid my credit card account off with the First National Bank of Omaha on XX/XX/XXXX by paying online from my debit account the amount of {$26000.00}. I then made an additional payment of {$1200.00} on XX/XX/XXXX XXXX out my account. I paid the card off before the end of the month but was still charged interest for the purchases I made for the month of XX/XX/XXXX after my account had a XXXX balance. I called the bank the day before I made my initial payment and was told that I could not receive a payoff amount because they didn't know what I'd purchased. After the additional interest charge of {$100.00}, I called the bank and asked to speak with a supervisor and was told that because I didn't ask for a payoff, I was billed the additional interest. I was eventually forced to pay the additional interest on XX/XX/XXXX for the full amount. I was not allowed a minimum payment. The bank mailed new credit cards to me and I sent them back with a note that I would not be using their credit cards. I had no intention of getting into this type of debt again and had decided to leave the account open, since I'd had this card since XX/XX/XXXX and had an excellent payment history, but not use it unless I had an emergency. I made absolutely no request to close my account nor did I sign the notation. As a card holder, I have every right to refuse additional cards. The bank, during a conversation that I have taped, said that I inferred that I wanted my account closed, closed the account, and refused to reopen it when I spoke with them. They acted in bad faith by refusing service to me for an account in excellent standing and closing my account without my permission.
07/20/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • HI
  • 96706
Web
i had an XXXX XXXX bank credit card tbat i closed out due to high interest. i had paid off the full balanced via the XXXX statement due on the XX/XX/XXXX. The psyment was processed on the XXXX. Benounced to me there was interest still accruing up to the date of payment and received a statement. i believe this is misleading and unfair practice. payment in full was made before the period ending. so, i called in to ask about a possible waiver due to only interest accrued and they would not consider indicating it is fair practice due to this being a revolving line. why provide payoff on the statement if you are going to have interest accrued daily. you might as well indicate to call in for true payoff. i understand if i had a cash advance. i feel this bank is taking advantage and making money off of their customers indicating we should payoff our statement the day the statement is generated to avoid any fees ... ..Wrong perception provided to customer ... .XXXX XXXX is a good bank but the bank they work with to handle their credit cards are crooks ... XXXX XXXX ... ... ... they would not waive the fee indicating it was fairly charged????? the account was paid off and closed ... ..and no fee waiver in the past ... XXXX what is {$39.00} snd they quote it cant due to fairly assessed. ... ..not if the statement amount is paid off before the due date. why provide due dates if this is the csse. you should jist indicate on your statement tp avoid fc pay the statement in full on your cycle date to avoid fees ... ..unfair practice ripping off customers ... ..high interest and then rip off customers with finance charges ... ... fdic should look i to this
03/04/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WA
  • 98226
Web
this complaint is in regards to " First National Bank of Omaha '' with whom I have had a Visa card for many years. I called them today, XX/XX/2021, at XXXX Pacific Time, and spoke with a representative named XXXX. The length of the call was 8 minutes and 43 seconds. The reason I called, was to contest a charge of {$95.00} from an online merchant called XXXX who corresponds using the email address XXXX The order was completed on XX/XX/XXXX and they emailed to say they would update me with tracking codes once the order was shipped. I emailed them on XX/XX/XXXX and asked for the shipping codes, they sent me the following codes claiming they are USPS tracking numbers : XXXX XXXX USPS is unable to provide any tracking information using those tracking numbers. I contacted them again on XX/XX/XXXX, saying I think they made up those tracking numbers, they replied with links that show the items are in the country now. I let them know I do not need them in the country, I need them in my mail box, and they have yet to respond or offer a refund. I contacted 1st National Bank of Omaha to contest the charge, and at the beginning of the phone call, the rep asked me to verify my full date of birth and the last 4 digits of my Social Security number, which I did. She then stated she COULD NOT HELP ME CONTEST THE CHARGE without her sending a code via text message, to a phone number that I have not had for 10 years. When I asked her to then CANCEL MY CREDIT CARD account she was not able to do that either. Thank you for your assistance, I would like {$95.00} refund check from 1st National Bank and then I would like that account CANCELLED.
10/11/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • NY
  • 11235
Web
For 5 years with this Credit Card we always paid the full balance before the due date on-line. InXX/XX/2018 I called the reward department and was informed that a {$100.00} reward credit will be applied to our balance the same day I called, it was a few days before the due date. OnXX/XX/18, a day before the due date, I paid the full balance on-line, a {$100.00} less, relying on the reward credit, which was posted XX/XX/XXXX, a day later than the due date. It comes down to {$100.00} one day after the due date. To the XXXX charge a {$94.00} interest was added due XX/XX/XXXX. On XX/XX/XXXX I paid the full balance including the interest. Since this was a Business credit card and I was going to retire on XX/XX/XXXX I have closed the card which was associated with my position in the Company. Received a confirmation that the card was closed and cut it in pieces. However, an XXXX statement arrived with a charge of {$84.00}. I called the credit card they said it was another interest on the same {$100.00} in addition to the {$94.00} I have already paid. Their explanation was that even if the hole amount was paid before the due date but a dollar is paid even a day after, they care interest on the full balance and interest on the next month balance, regardless if it's being paid before the due date. Isn't this taking advantage of the consumer? I'm starting to think that the rewards department intentionally posted the {$100.00} reward a day after my due date while telling me that it will be posted a few days before it. I consider it very much unfair. The bank is : XXXX XXXX. Credit card address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX : XXXX
07/20/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70458
Web
FNBO was included in my husband 's bankruptcy case. A discharge was ordered. FNBO forwarded by file to a collection attorney. My attorney wrote 2 letters for which FNBO attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. FNBO bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The supervisor, XXXX in the Bankruptcy department stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. FNBO has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with FNBO I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.
03/01/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • OH
  • 44067
Web
On XX/XX/2021 I made a purchase of lottery tickets in the amount of {$90.00} and in the same day of another {$10.00}. This was done at a convenient store near my house. I checked the history of my account as I usually do through the on-line banking and noticed 2 separate fees of {$15.00} each coded as " cash advance '' fees. I immediately contacted customer service on XX/XX/2021 and the representative explained the reason why I was charged was due to the convenient store running the card as a " cash advance ''. I have never used my card as a " cash advance '', and specifically on XX/XX/2021 I used it to purchase those lottery tickets. I asked for the fees to be refunded but I was further instructed to call the store and ask of their policy on lottery tickets purchased on a credit card. I went to the store in person and spoke to the owner, who was completely unaware that a cash advance fee would be charged to my credit card. There were no signs in the store posted regarding a fee that may be charged or to check with the credit card company for further guidance. My wife who is an authorized signer on my account called FNBO customer service and requested to speak to a manager. She spoke to XXXX ID # XXXX who said that the fees are non-negotiable and unfortunately she can not refund cash advance fees. Our FICO score is over XXXX, we pay our balances in full every month and we asked to have the fees refunded as a courtesy. XXXX XXXX explained that there isn't anything she could do and we would have to pay those fees. She also explained that we should read the terms and conditions of the account for cash advances.
01/13/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NJ
  • 08691
Web
I Received a letter of declamation on XX/XX/2021. The declination was from First Bankcard which is fFirst National Bank of Omaha stating they were unable to approve my credit card request and the reason for their denial was identifying information does not verify. I telephoned the bank to inquire with a credit analyst what particular information were they unable to very and was advised that the credit bureau did not have the date my Social Security number was issued. My spouse has been an XXXX of major XXXX for over 25 years and stated hes never witnessed such a decline especially since no attempt was made with me from them to obtain any verification. By the way, the date is printed on my Social Security Card. I feel if my name wasnt XXXX XXXX XXXX XXXX, maybe a little more effort would have gone into their review. Other banks have asked for my drivers license, income verification, and even my Social Security Card ... .. Im not in banking but to decline a potential customer, human being, a real person without a blink of an eye for such a pathetic denial reason, they should of just said they dont approve XXXX. My credit score is XXXX as youll see on the documentation attached. The analyst advised I contact XXXX so my issue date could be added to my number. The representative at XXXX had no idea what I was talking about. First Bankcard refused to re-evaluate their decision and advised I re-apply. That makes 0 sense. She also advised that my application was strong and re-applying was all she could say. Also please note, I called as soon as I received their letter. Mail is running 20-25 days here in state.
02/16/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MI
  • 48346
Web
On XXXX-XXXX-18 I emailed that XXXX XXXX tried to take the payment from my savings ( this has never been authorized. I setup the automatic payment to be pulled from my checking which has been pulling until the past couple of months ) and that because they pulled from my savings and not my checking that they caused me a {$28.00} fee from my bank and that now I will be charged a return fee by them. Their response " You can change the routing or checking account number from which your online credit card payment will be debited the next time you make an online payment. Simply select " Payments & Transfers ' at the top of the page. Click the " Add a new account link located under the " Form '' dropdown menu to enter the new designated bank account information. Once you click " Submit '' you will have the opportunity to immediately make a payment from the updated information. Please note, your new acct information will not be saved until you make a payment using it. If you need further assistance, please call us at XXXX or send us an email. My response through email " You are missing what I said. I did not at any time change it to pull from savings. I do not want to be charged a late fee by you. I also want you to refund the {$28.00} fee I was charged by my bank. You can do the research to see I authorized the payment to automatically be pulled from checking. I have NEVER authorized the payment out of savings. Please let me know when you will be refunding the {$28.00}. If you are not able to I will look to talk to a supervisor and possibly an outside company that can look into the fraud that has taken place.
02/22/2016 Yes
  • Credit card
  • Delinquent account
  • MI
  • 48322
Web
There is an account in my name with First National Bank of Omaha ( FNBO ) which is reporting on my credit reports negatively for none payments. However, FNBO refuses to provide me any type of access to this account. FNBO claims security issue with this account and or a fraudulent account. As a result of this I have informed them via phone and by mail ( certified letter ) if they report any information regarding this account to my credit report, particularly negative information, they would be willingly violating the FCRA. Again, FNBO refuses to provide me any access to this account online or via phone. Whenever I go online and enter my information FNBO 's websites states either I have no account or website error. My question is this : If FNBO themselves have concluded possible fraud or questioning the authenticity of this account and refusing to allow any payments so I can at least avoid any negative information on my credit reports until this is resolved. HOW CAN THEY REPORT ANYTHING to the credit bureaus? I have documents to attach I also have recordings of phone conversations ( do n't know how to attach those ). I have also sent letters to XXXX, XXXX and XXXX XXXX disputing the negative information. I have been denied business and personal loans as a result of FNBO 's reckless and willing violations. Finally, from previous records on my credit report it seems the original balance on this account was {$4000.00} however FNBO at sometime lowered it to {$1000.00} causing an effect that displays more negative information with this account being severely over the limit ( account balance around {$4000.00}
06/24/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IL
  • 60543
Web
OnThursdayXX/XX/XXXXIwenttothemobileapptomakemypaymentof{$450.00}.Ienteredthepaymentamountandsetupthepayment.OnSaturdayXX/XX/XXXXIreceivedanemailstatingthatIwasnearingmycreditlimitfromthealertthatIhadsetup.Iloggedintomyaccounttoseewhattheissuewas,andrealizedFirstBankcardhadloweredmycreditlimitalmost{$9000.00}foralatepayment,thatwasstillclearlyshowingaspending.IcalledcustomerserviceforthefirsttimeatXXXXonSaturdaymorningandwasinformedthatmycreditlimitwasloweredbya"routinecreditauditthatshowedmyrevolvingbalancesonmyaccountsastoohigh.Mycreditlimitwentfrom{$30000.00}downto{$21000.00},andwillnowhaveanegativeimpactonmycreditscore.Iaskedtospeaktoasupervisorandwastoldthatnoneareavailableandtheywouldsendamessageforonetocallback.IreceivedacallbackatXXXXSaturdayXX/XX/XXXXfromXXXXXXXXID#XXXXwhocouldnothelpme.IaskedtospeaktosomeonehigherandwastransferredtoXXXXXXXXID#XXXXwhodidinfactrevealthatthelatepaymentdidinfacttriggerthecreditreviewthusloweringmycreditlimit.Ihavehadthisaccountforover9years,haveneverhadalatepayment,andhaveroutinelyreceivedcreditlimitincreasesovertheyears.ThelastincreasewasinXXXXofXXXX.TherehavebeennochangestomycreditbureaufromXXXXwhenmylimitwasincreasedtoSaturdayXX/XX/XXXXwhenmycreditlimitwaslowered.Thisishavinganegativeimpactonmycreditscoreduetoahighercreditutilizationratio.XXXXXXXXinformedmetherewasnothingshecoulddoaboutit.ShedidverifythefactthatmycreditlimitwasincreasedinXX/XX/XXXXanddidnothaveavalidanswerofwhytheamountwaslowered.Ihavemadepaymentsthroughthemobileappbeforewithoutanyissues.MypaymentshouldhavepostedatthelatestonFridayXX/XX/XXXX.Ifeelthisisimpropertreatmenttoalongtermcustomer.
06/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60638
Web
I am a consumer of the United States and i never gave XXXX nor FNB OMAHA written permission nor the right to report on my consumer report. The fact that this account is reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681b, also a violation to 15 USC 1692d for harming my consumer reputation reportinb late paymenta. I the consumer in fact, natural person, original creditor, lender, executor, administrator and holder demand that my federally protected consumer rights not to be violated at any given place or time. I, the consumer, filed a cfpb complaint on XX/XX/XXXX, complaint number XXXX regarding this account above to be immediately removed from my consumer report for violating my federally protected consumer rights. Attached to this complaint labeled as exhibit A was sent along with my complaint XXXX revealing these violations and reportings on XXXX, XXXX AND XXXX. After my complaint was filed FNB OMAHA was removed from my XXXX and XXXX consumer report. As of XX/XX/XXXX FNB OMAHA and XXXX willfully and knowingly continues to violate and harm my consumer rights and reputation. Also attached labeled as exhibit B showing proof of deletion of this account from XXXX and XXXX but XXXX and FNB OMAHA continues to violate. Labeled as exhibit C is the letter i received from FNB OMAHA on XX/XX/XXXX stating my account was opened on XX/XX/XXXX and was closed on XX/XX/XXXX due to delinquency when they are reporting delinquency on XX/XX/XXXX when my account was already closed. The information being reported is incorrect amd misleading
11/12/2016 Yes
  • Credit card
  • Other
  • SC
  • 29926
Web
First National Bank of Omaha has broken 2 Federal Laws, the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) and the Fair Debt Collections Practices Act Section 807 ( 8 ) in which it is stated that if a consumer disputes the information on their report the defendant is required to : a ) Provide documentation of the debt bearing the consumer 's signature b ) Mark the consumer 's credit report as disputed within 30 days. Neither of these things were done. The initial dispute was sent via certified mail and signed for on XX/XX/2016. I have included evidence attached showing that within 30 days, which would have been XX/XX/2016, none of the XXXX credit agencies had marked my credit reports as disputed and there was never any validation of the debt bearing my signature. I filed a small claims lawsuit initially XXXX from the bank proceeded to bully me ( during a phone conversation on XX/XX/2016 ) into dropping the lawsuit by arguing me about the facts of the law and then making a counterclaim against for an incorrect debt that has already been charged off anyway. He misstated the laws and would not hear my side of the story, so this is my last recourse to get the information removed from my credit report. I am including as attachments 1. Original dispute to the First National Bank of Omaha 2. Evidence of date it was signed for on XX/XX/2016 3. Subsequent letters to the First National Bank of Omaha 4. Evidence of dates they were signed for XX/XX/2016 5. Screenshot showing the information was not marked disputed by XX/XX/2016 -- was not even marked disputed by XX/XX/2016 when credit report was run
02/25/2016 Yes
  • Credit card
  • Delinquent account
  • IL
  • 61265
Web
This complaint involves more than the original credit card company. I had credit life/XXXX insurance on this credit card, as I was XXXX. On XXXX XXXX, XXXX, I was XXXX. I contacted credit card company shortly after my diagnosis, due to a need for the credit life/XXXX insurance to go into effect. Upon receiving the necessary documentation for the insurance company, my physician filled out the documentation and sent it to the insurance company. Once the insurance went into effect, the credit card company did not bill the insurance company until after the due dates of monthly payments therefore, late fees were attached and interest rate skyrocketed. I tried many times to resolve the matter with both the credit card company and the insurance company by telephone, but each blamed the other for the misgivings on the account. When I asked for a manager from the credit card company to call me, in an effort to resolve issues with the account, I never received communication from a representative who could correct the misgivings with the account. The account was sold to a debt collecting company on XXXX XXXX, XXXX, who not only harassed me by phone, but who also sent a private investigator to my home on several occasions, who left notes in my mailbox, and would pound on the doors to my home. I acquired an attorney who represented me in the matter, the case was dismissed in court without prejudice, on XXXX XXXX, XXXX, but the debt collecting company has out sourced collection to another agency. The original debt collecting company continues to report this as an open account to credit bureaus.
02/26/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • WI
  • 53559
Web Older American
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.
04/21/2015 Yes
  • Credit card
  • Closing/Cancelling account
  • OK
  • 74146
Web
A cashier 's check was issued directly to First National Bank XXXX XXXX. XXXX XXXX, XXXX, NE XXXX on XXXX. On the check in the memo field was my name as well as an account number ; the account number was incorrect with XXXX numbers wrong. The check was drawn / cashed on XXXX. I called on XXXX and verified payment was received and that there was a XXXX balance on the credit card account with customer service rep ; I then closed the account on the telephone call after confirming a XXXX balance. Payment was originally due on or about XXXX. On XXXX I received a robocall telling me that payment was over due. I immediately contacted customer service and to my surprise it had not been applied to my account. I contacted my credit union to look into what had happened. They informed me that payment had been drawn / cashed on XXXX. I, as well as the credit union loan officer XXXX called separately to find out what had happened. We called together on XXXX and advised FNB XXXX that the account number was wrong on the check, but my name was correct as well as provided Check number over the phone and we were advised that information was not good enough. My loan officer at XXXX XXXX XXXX XXXX faxed over front and back of the Cashier 's check that they had drawn / cashed to their accounting group on XXXX as instructed. The loan officer attempted to speak with them again and received no new information XXXX. I also called today on XXXX and have no new news about my payment that was drawn / cashed on XXXX. My account is now very past due and should have been paid in full and closed.
10/25/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33139
Web
First National Bank of Omaha is continuing to report a debt that was placed on my XXXX report around XX/XX/2018 that is not a mine, rather a debt caused by identity thief. This company has ignored a police report, affidavit and a report from identitythief.gov which is recognized by other financial institutions and credit bureaus as a legal and substantial document. On XX/XX/2018, the company sent a response about holding me responsible, however, they followed up with another correspondence dated XX/XX/2018, stating they needed to do additional research, which they have failed to follow up any additional correspondence as well. Furthermore, First National Bank of Omaha has not supplied the legally requested disclosure of the application with my signature that was used to open this account, that they are legally required to disclose if asked, as well fully knowing under several laws/statues under the Fair Credit Act that if this proof can not be disclosed they have to remove any negative reporting information from my credit bureaus, in particular, XXXX and any responsibility to the debt. Either they dont know the laws or neither care about following them, possibly dont have the document, or realize they have made an error ; however, they are legally required to produce and disclose this application/document with signature if requested. This financial institution has conducted itself in a somewhat Mafia-style Shake Down to get me to pay these monies that I do not owe to remove this fraudulent trade from my XXXX report, its been unbelievable. Please help!
03/17/2016 Yes
  • Credit card
  • Billing disputes
  • CA
  • 92833
Web
My bank, Union Bank was supposed to have paid a check in the amount of {$710.00} in XXXX to First Bankcard, my credit card company which will be taken over by Union Bank in about a month. I had to open a new checking account because I was burglarized and my checking information may have been compromised. Union Bank did not honor the check. I made a second payment via phone to First Bankcard in the amount of {$720.00} on XXXX XXXX, that included a {$10.00} service fee. I received a letter from Union Bank on XXXX XXXX stating that my check did not go through again. I paid {$890.00} on XXXX XXXX ( {$710.00} plus {$160.00} for the second month 's bill and another {$10.00} service fee ). My Union Bank statement shows that on XXXX XXXX, {$720.00} was taken out and on XXXX XXXX, {$890.00} was taken out. In essence I paid twice for the {$710.00} bill from First Bankcard. When ever I call First Bankcard, I am told that they show a credit on their end but can not tell me why I do n't see one on my statement. The assistant manager at Union Bank who was supposedly working on resolving this issue is not responding to my email or phone calls. She was the one who made the mistake of not honoring my check when I requested it twice, in person at the bank branch and later that day, in an e-mail on XXXX XXXX. First Bankcard states that I may or may not see a credit in 5-7 days. I spent over 2 hours on the phone with both supervisors from First Bankcard and Union Bank and no one has resolved my issue. I would like to be credited the overpayment from First Bankcard.
01/14/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OK
  • 74137
Web Older American
First National Bank of Omaha Visa refused courtesy skip payment during initial months of COVID 19 in XX/XX/2020. My income as an XXXX was interrupted And Unemployment benefits were impacted by fraud until XX/XX/2020. Despite no gainful employ, payment was made from my savings through XX/XX/2020. Many attempts were made with detailed description to FNBO customer support of stopped income, however no assistance was offered, despite my asking. Help was offered from my other major credit card companies - XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. The courtesy to assist per 'skip pay ' came in varying degrees from all minor accounts as well. FNBO is the exception. XX/XX/2020, I submitted a detailed letter of my actions, and checks totaling {$800.00} to settle accounts. Detailed letter and check memo stated cashed checks submitted with company 's endorsement is acknowledgement that the debt has been settled in full and no further action from FNBO will be taken with regards to accounts involved. Checks were posted and paid from my bill pay account XX/XX/2020. Collection calls from FNBO have been constant since XX/XX/2020. I have spoken with customer service and management ( XXXX ) as recent as tonight. Even though record of payment is acknowledged there seems to be an unwillingness to show account closed/paid or to return funds so as to resume monthly payments. I am unable to do both and have made this known to them. I am disappointed this creditor offers no solution, yet instead is insisting more payment with added late fees. Thank you for assisting.
01/21/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • PA
  • 19027
Web
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.
06/18/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MD
  • 20882
Web
My name is XXXX XXXX , last four of my social at XXXX . My mailing and billing address is XXXX XXXX XXXX XXXX MD XXXX . Date of Birth XXXX XXXX XXXX . I have been blocked out of getting any info or using my credit card with First National Bank of Omaha. I followed their instructions in getting my identity verified by getting notarized ID and bills and sending it to the bank. THe bank is now forcing me to try to get a local bank to call the bank to verify my identity and I have tried and no bank in my area has that policy to do so. In addition, per the fair credit billing act, and fair credit reporting act, credit card companies can not verify identity in such way and unreasonable behave such that they do not provide me any information or allow me to use my card. I have fraud on my account and I expect the ban k First National Omaha to completely XXXX out my balance as any charge on that account in the past 2-3 months would have been used fraudulently without my consent unless it is my family member, which as of now we have no idea as First National is not shari ng with me. Hence, I request First National to follow the instructions I sent them via statements USPS mail and look at the circled charged on that statement and file them as fraud and re credit my accou nt so that my account has XXXX TOTAL balance now. In a ddition I request First National to remove the block on my account and call me to discuss deta ils of my account at XXXX as I have already proven my identity via notarized documents.
06/24/2015 Yes
  • Credit card
  • Sale of account
  • MA
  • 01453
Web Older American
For years, I have had a XXXX Rewards Program credit card through XXXX. Many months ago I received notification that the rewards program is being discontinued and that another bank - First National Bank of Omaha - will be issuing a new credit card. I recently received a letter stating that my XXXX XXXX Card will be invalid as of XX/XX/XXXX and that reward points will remain until XX/XX/XXXX. Here 's my complaint and problem : I plan to use the reward before XX/XX/XXXX, but I do not want another credit card issued ; i do n't need an additional credit card. The Are Lingus Rewards card was requested specifically for the rewards. So, I contacted First National Bank of Omaha and told them what was mentioned above. They were n't sure if i would lose points if the transfer was n't accepted. I then contacted XXXX. They informed me that if i cancelled the XXXX XXXX card, my points would be lost, but if i rejected the First National Omaha card, the points would still carry over. I then called First National Bank of Omaha again saying i do not wan t their card issued. They told me XXXX ( XXXX XXXX ) has to deal with it. If I cancel the XXXX XXXX card lose all my accumulated points. Am I forced to accept a card i do n't want issued, one I did not apply for? Like many people i have multitude credit cards ; I do not need or want another one. Please let me know what i should do. Over the years I have cancelled store cards and credit cards, yet they still are listed on my credit reports. I DO NOT want another card issued. Thank you.
06/16/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • NY
  • 11375
Web
XXXX approved me for its credit card offering 0 % financing for the first six billing cycles, to which I set up auto-pay for the minimum. Upon receiving the fifth bill statement, I sent secure message XXXX XX/XX/XXXX XXXX XXXX : " My promotional zero percent financing will end in the sixth billing cycle, XX/XX/XXXX, auto-payment on XX/XX/XXXX. Can I set that and all future payments for the full balance to avoid any finance charges? '' XXXX, XXXX, replied : " Changes to the AutoPay amount will not take effect until your account has gone through a complete billing cycle. '' Since the fifth cycle, XX/XX/XXXX, already completed with a minimum auto-payment set for XX/XX/XXXX, I successfully changed auto-pay for the sixth cycle, XX/XX/XXXX, to full balance for its XX/XX/XXXX payment due date, just as I had asked and XXXX instructed. My XX/XX/XXXX statement shows full payment credited on XX/XX/XXXX, but " XXXXnterest Charged ... .+ {$24.00}. '' I complained to customer service, but XXXX merely replied that since the intro rate expired XX/XX/XXXX, payment for all charges through XX/XX/XXXX was due on XX/XX/XXXX. I argued : " I reasonably relied on your reply that I should set auto-pay to full balance ; you did not say that I must pay the XX/XX/XXXX balance by XX/XX/XXXX, which is impossible. If you had said that I must make full payment by any later day [ ( XX/XX/XXXX ) ] to avoid any interest charges, I would have done so. '' I repeatedly asked to escalate my complaint to a supervisor, who still has not responded.
08/19/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • OH
  • 43971
Web
On XX/XX/XXXX I telephoned First National Bank of Omaha to transfer a {$1500.00} balance with a 2 % fee and 4.99 % interest for life into my Credit Card Account with ( into ) my First National Bank of Omaha Credit Card account ... FROM XXXX / XXXX Bank ... in the amount of {$1500.00}. Although I could have traveled to my local XXXX Store and conducted this transaction personally, and paid this amount at the XXXX Store with a First National Bank of Omaha convenience check, First national Bank of Omaha told me over the telephone that this transaction would " post more quickly '' by doing the transaction through First National Bank via telephone ... so I proceeded by telephone with this balance transfer. On XX/XX/XXXX, First National Bank gave me a Confirmation Number of XXXX for this balance transfer transaction. On XX/XX/XXXX I received my XXXX/XXXX Bank Credit Card statement in the mail and saw that this {$1500.00} balance had NOT been transferred. XXXX/XXXX Bank even imposed a {$27.00} Late Fee on me, plus an Interest Charge of {$39.00}. And they reported me as being late and overdue with a payment to the Credit Bureaus. I telephoned First National Bank of Omaha and asked them why they Never informed me of this problem of a failed balance transfer? Their only explanation was that XXXX/XXXX Bank had Failed To Accept their " wire transfer of funds for this balance transfer ''. WHY? It is my claim that BOTH of these two banks are at fault, yet neither will work to help resolve this matter for me. Can you?
07/17/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • MD
  • 21045
Web
I've had a credit card with First National Bank for 5+. They gradually increased my limit offer the years due to my history. My limit was increased to XXXX, a few months ago I used the card 's maximum limit as my family and I were going through home changes as we needed to move. The funds were used to help renovate our home. Approximately 2 months later I paid the balance off in two payments. First National Bank promptly decreased my credit card limit from {$10000.00} to {$1400.00}. I went to used the card and was declined which is how I discovered that the limit was drastically decreased. I called and the excuse they gave me was that there were a lot of inquires on my credit report. This leads me to believe that when you get a credit card with First National Bank, they expect you to not do any other form of business where your credit is concerned. I checked my credit report and it shows it was decreased on XX/XX/XXXX, I made a payment on XX/XX/XXXX to bring the credit balance back to {$10000.00}, that payment posted on XX/XX/XXXX. I feel I was discriminated against because my family and I needed to move and needed a new loan which of course required our credit to be viewed by other creditors. It is absolutely unfair for First National Bank to decrease their clients credit limit based on their family needs, especially when the balance is paid. It was not left on paid, or resulting in late fees. Though our credit was view for loan we needed, we still ensured to pay our balance. Card number ending in XXXX
06/12/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 90210
Web
I have repeatedly been billed for merchandise that I have never ordered or received. I have spoken with the merchant 's customer support department on several occasions and they tell me that their computer system shows that someone submitted an order using my credit card number and an address that I haven't lived at in six ( 6 ) years. They claim that they do not store records of orders so they can't provide me with any proof that I placed such an order. On XX/XX/XXXX I contacted my bank regarding these fraudulent charges. They reversed a few of them from XXXX but continue to allow this merchant to charge my credit card on a monthly basis even though I informed them that I did not authorize these purchases. On XX/XX/XXXX I again contacted my credit card company and submitted a dispute to these charges. On XX/XX/XXXX they wrote me telling me that the merchant claims that I requested this merchandise. They also tell me that they won't reverse the charges. They had the unmitigated gall to tell me to read the terms and conditions of a merchant that is processing a fraudulent order. They refuse to block further charges or reverse the charges for merchandise I am not receiving and did not order. The idea that the merchant doesn't maintain or store authorizations records because they are an online merchant is nonsense and irreverent. I do not live at the address where this merchandise is supposedly being delivered. I did not order the merchandise. I did not authorize any person to order this merchandise.
11/17/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • AZ
  • 85143
Web
On XX/XX/2020, I spoke with a collector which I believe his name is XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, Washington Office, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX. I spoke with this collector in length about paying monthly payments or to settle out the debt. After speaking with this collector, he wasn't wanting to work with me and I advise him I wasn't working and then afterwards he said your husband works and I was playing games and since my husband works and we will go after him. I was very distraught and spoke with my husband about the call. My husband called them and he spoke with XXXX-XXXX which refused to file a complaint and also he asked for a debt validation because they had my husbands SS # and date of birth. My husband then called back to speak to a manager, He spoke with XXXX XXXX, and after speaking with him about the call, he mentioned the collector did make a mistake and apologized but refused to accept blame. My husband spoke to him about the debt that was created before the marriage. XXXX stated that the attorney forgot to click off a button and a suit was filed for both our names but now my husband wasn't responsible for the debt. He also wouldn't comment how they have his SS # and DOB. He wouldn't go any further but to collect the amount due. First XXXX didn't address the issue that my husband was refused the opportunity to file a complaint nor was I given the opportunity to ask for a debt validation. This is wrong at all levels of this company!
01/03/2017 Yes
  • Credit card
  • Billing statement
  • NY
  • 14132
Web
I have a XXXX 's CC that had a {$12000.00} balance, at about 15.5 % interest. Received an offer from XXXX for a First Bankcard CC stating 5.99 % interest, fixed until paid, on balance transfers. Would n't let me transfer whole amount, but did transfer {$4800.00}, plus a transfer fee. First payment they wanted {$350.00}, which was not expected, but evidently they wanted their transfer fee plus interest right away. The second payment they wanted a minimum of {$160.00} ( on a {$4700.00} ) balance. XXXX 's minimum was {$150.00} on {$7800.00}. I called First Bankcard, and their answer was they charge 3 % minimum vs. XXXX 's which is probably around 1 %. I was not aware different banks could charge different minimums on their CC 's, so feel I was somewhat taken advantage of. I then asked why, in their minimum payment warning, it states if I only pay the minimum ( {$160.00} ), it will take me 7 years to pay it off, but if I pay {$140.00}, it will be paid off in 3 years. The representative tried telling me it was just an example and did n't apply to my card. How can that be? My XXXX 's card states at the minimum ( {$150.00} ), it will take 20 years, but at {$260.00}, it will take 3 years. I believe First Bankcard is using false advertising or some kind of accounting practices that just do n't make sense. I believe the minimum should be lowered, or I want a statement saying I only have to pay {$140.00} and it will in fact be paid in 3 years. I was so 'put off ' by them that I did cancel the card.
11/27/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NE
  • 68025
Web
On XX/XX/2019, I paid {$700.00} cash to have a master extentionist, XXXX XXXX, ( turns out she lied and is not a master ) to purchase hair to install on my head. On XX/XX/XXXX, she told me she needed to buy more hair. I paid, via debit card, an additional {$500.00} for hair. The woman purchased the wrong color and proceeded to die the hair an even worse color. On XX/XX/2019, I paid {$250.00} to have remove the old hair from my head. The woman did a horrible install. On XX/XX/2019, I noticed a {$700.00} charge to my card. Upon research, I learned the woman had little experience in install of extensions as she only finished school recently and her company is not state licensed. She claimed to have Hollywood clients which is untrue. I filed a civil suit for damages done to my hair and I filed a police report XXXX for the unauthorized {$700.00} charged to my card. The receipt is forged. I contacted my bank, First National Bank of Omaha. I was issued a provisional credit for {$700.00}. On XX/XX/2019, First National Bank of Omaha reversed the {$700.00} credit leaving me in Minnesota with no gas money, no money for my hotel and there are freezing temperatures. I am stranded and can not go home with no gas. If I leave, I lose my job. I do not know anyone here. First National Bank of Omaha is claiming the forged signature on the receipt the merchant presented is my signature. I was at the gym signed in using biometrics to enter the gym at the time the charge was made for {$700.00} to my card.
03/08/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TX
  • 78247
Web
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 )
07/01/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • SD
  • 57033
Web Older American, Servicemember
Seven fraudulent charges were made against my Mastercard credit card over a period of three months. I disputed these charges and a decision was made in favor of the vendor because they " have my name and address ''. The first time I disputed, the charge was reversed. When it happened again, even by the same company, the bank would not reverse the charges. I have sent further dispute letters after this unfavorable finding. I have spoken on the phone with customer service and their fraud department but they will not reverse these fraudulent charges. The total was exactly {$29000.00}. When I refused to pay for charges that I did not authorize, the bank has since added interest and late fees which has added about {$100.00} more to the account balance. The bank that issued my Mastercard is First National Bank of Omaha. The return address on my billing statements is XXXX XXXX XXXX in XXXX, NE XXXX. The fraudulent entries on my statement appear as XXXX, XXXX, and XXXX. I am not sure who these entities are so I don't have any idea how to contact them. A XXXX search shows XXXX as a bank in XXXX. I am the type of a person who watches charges to my account very closely. I ask for receipts and I balance each and every statement so I know these charges are not mine. I did not make them, I did not authorize them, I did not even have knowledge of the until they appeared on my statement. I want the bank to reverse these fraudulent charges and the associated interest and late fees.
03/05/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • WY
  • 82501
Web Older American
I previously filed a complaint XXXX against XXXX XXXX for their paying XXXX despite my letter of XX/XX/XXXX specifically telling them not to. At that time I had a credit balance in my account, and XXXX XXXX decided to steal that credit from me by paying XXXX in spite of my written instructions which XXXX XXXX admitted they received in XX/XX/XXXX. In spite of not having made any charges, XXXX XXXX charged me late fees and penalties AFTER paying XXXX and depleting my credit. In their response to XXXX XXXX XXXX told me to contact XXXX to cancel my XXXX account and if that were unworkable to contact XXXX XXXX so that no further payment would be required. I also received a letter from a XXXX XXXX stating that the payments to XXXX would be placed in dispute but what was not done was to refund any and all late charges and penalties for XXXX XXXX stealing my credit to force my account to go late. More recently as I retired I finally have time to look at my records and it is clear that XXXX XXXX charged me penalties and interest for my repayments that were made on time and in full in XX/XX/XXXX. XXXX is a thief and a scoundrel with the recent XXXX politics it is time to hold XXXX accountable for his theft of my money and not providing any of the " rewards '' that I earned as a XXXX XXXX " member ''. I want repayment of any and all interest and penalties as well as all the payments made to XXXX after my written instructions to NOT pay XXXX after I dropped their ISP service.
05/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MA
  • 02117
Web
I was sent a pre-approved offer for an XXXX XXXXXXXX XXXX XXXX credit card on XXXX as an XXXX XXXX member at XXXX XXXX through Omaha FNB. This was a pre-approved offer NOT AN INVITE TO APPLY. I put in an application for the card with the understanding that ONLY A SOFT PULL would be done on my credit, however, this bank did a hard pull the was put on my credit with XXXX without my authorization. I DID NOT AUTHORIZE THIS COMPANY TO PULL MY CREDIT. ONLY A SOFT PULL After that I was denied this card after being pre-approved, and I never received a follow-up letter as to why i was denied. I attempted many times to talk to FNB Omaha to remove this hard pull from my credit, however, I was treated very rudely, and no one bothered to help with the situation. This company has misrepresented facts, lied, been very rude, insulting, disrespectful, unprofessional and helped in no way shape or form. This company NEVER informed me as to why I was denied this PRE APPROVED card offer and have lied as to sending me any formal letter. Again, this company DID NOT have my authorization to do a hard pull of my credit report but did so anyway. After searching online after the fact, I come to find out that this bank is KNOWN FOR THIS TYPE OF THING. In addition, since this drama began, Ive had no difficulties being approved for other cards. This company needs to show me in writing where I authorized them to pull my credit or take the hard inquiry OFF my XXXX immediately.
02/06/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • IN
  • 46219
Web
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!
12/06/2016 Yes
  • Credit card
  • APR or interest rate
  • NJ
  • 08330
Web
I took an offer for a balance transfer promotion from First National Bank of Omaha ( First Bankcard ) in or around XXXX XXXX. The promotion was for a lifetime 5.99 % APR. Then in XXXX of XXXX, I made a purchase for {$3100.00}. Since then my minimum payment every month has gone to reducing the balance of the lower APR promotion while the bank has continued to charge my the higher 15.25 % on the purchase from this year. I was under the impression from the XXXX Act that my payment would go to the higher interest charge and would allow me to continue to take advantage of the promotional rate on the balance transfer. Upon calling I was informed this was incorrect. That they can apply the payment as they see fit, first to interest and fees, then to the lower APR. If this is true, it certainly is not in the spirit of the XXXX Act and was not disclosed to me at anytime. I would not have used this card again until I had taken full advantage of the lower APR promotion. Now in effect I am not getting that promotion because my payments are being applied to the lower APR balance first. I take the bank at their word that this is legal, but it is definitely not consumer friendly. This was not disclosed in any way, in effect voids the offer that I accepted from the bank on that balance transfer, and actually increases my interest payment each month. As the lower APR balance is paid first, the remaining balance accrues interest at the much higher rate.
05/11/2016 Yes
  • Credit card
  • Advertising and marketing
  • MT
  • 59715
Web Older American
In XXXX of XXXX I received a solicitation from XXXX XXXX Bank XXXX XXXX with an offer, " 0.00 % APR on all Purchases and Balance Transfers good until XXXX XXXX ''. I have received several similar offers since then, with the words inserted after balance transfers, " when you use these checks ''. Had that wording been on the offer I received, I would have behaved very differently. As it was, since I had a zero balance at the time, I preceded to make purchases with my credit card, " all purchases '', and to pay the minimum balance due. I have participated in many 0 % on purchases offers previously and since this one. I have always paid off the balance before a higher rate of interest started. While I had been paying attention to not go over my credit limit, it was not until XXXX that I noticed a large amount of interest was being added. When I called the bank, I was told that they did n't mean " all purchases '' ; just the ones made with the XXXX checks enclosed. Since no one I talked to at the bank offered any recourse, I immediately paid off the balance on my account, which included over {$800.00} in interest. Even if I had written a check for the entire amount of my credit line. The fee that I would have paid would have only been about {$340.00}. They must have realized that their wording was deceptive to have changed it so quickly after their 1st offer, but so far they have refused to acknowledge this to me or to the XXXX.
01/26/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OH
  • 44039
Web
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
11/19/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • TX
  • 78731
Web
On XX/XX/XXXX I received a phone call from someone who claimed they worked for XXXX XXXX XXXX A firm that had been tasked with collecting a debt I owed to my XXXX credit card that had been issued through First bank Nation of Omaha in XXXX. The firm representative called my partner since didnt have my contact and thats how she got my number. She told me that her law firm was preparing documentation to have me arrested for the debt of {$1700.00} that I owed to XXXX. She threatened me with arrest and told me I had to make the payment in full to avoid it. I told her I didnt have that much money in my account and for fear of being arrested I asked her for my other options. She suggested that if paid 40 % of what I owed, my debt would be settled. I ended up paying {$710.00} using me debt card to her over the phone to XXXX XXXXXXXX XXXX as shown on my bank statement and I was told a receipt would be mailed to me and that the debt had been settled and would reflect XXXX balance. I didnt think much of it until a derogatory debt from First Bank National of Omaha showed up on my credit report earlier this month showing full balance of what I owed for my scheels credit card. I did more digging into the payment I had made but was not able to get a lot of help from XXXX XXXX XXXX and my bank cant dispute the payment as its been almost a year. The bank suggested I fill out a police report but I did more research it brought me to this.
08/15/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • TX
  • 75093
Web
The bank in question is First National Bank XXXX located at XXXX XXXX XXXX XXXX TX XXXX. The bank has put hold on my funds in my business account in name of XXXX XXXX XXXX XXXX. I am a XXXX customer.Bank never issued me hold notice when deposits were made or even on next day as required by reg cc. The deposits are now 2 to three weeks and are collected as I understand. This hold was an afterthought. I was told that the funds will be held for 30 days with out mentioning from which day and irrespective of when it was deposited. I believe that this is not with the reasonable timeframe of reg cc. The bank confirmed that funds would have been collected by now. That eliminates the ground for concern that the fund in check will not be collected. I need help from CFPB in the following. 1. Please bring to notice of the bank that they have violated the norms by holding the funds with out giving me notice. 2. It may be a violation to hold the funds after the funds are collected, the hold is for unreasonable period and should be lifted. 3. Customers trust the banks with their money. If banks do not give customer 's money, it is attack on institution and I need CFPB to make sure that. 4. I was told by the branch manager that he is following advice of their legal department. Please investigate the legal and compliance team to make sure such unreasonable actions violating the norms are not taken. Thanks XXXX XXXX
10/24/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33315
Web
On XX/XX/XXXX I use a credit for a payment in a XXXX XXXX XXXX XXXX miles. Advertisement as a good condition. guarantee for two years by XXXX XXXX XXXX. OnXX/XX/XXXX I returned a car to the dealer that was not even close to the one he guarantee. It was XX/XX/XXXXInstead to XX/XX/XXXX. An speedometer started on XXXX rpm and miles seem to be manipulated. A car had also an extensive water damage all over that it was trying to cover with paint and cleaning. I have to be score by police since a person was threatening at me. Police officer knows dealer in the area scam people before. Also he suggested me to dispute a payment since the dealer refuses a return my money. So I place a dispute with a credit card and I email it all proofs ( pictures and documents ). After a few months a credit card give the money to the thief and he also had a car. A car that He was trying to sell few days after I returned. On the same website OFFER UP As a Fair Credit Billing Act, I have the right to dispute for a quality of goods and Services, this person advertised and promote a service that I never had. On the contrary a merchandise was total loss and altered miles. Even if he said a sale is AS IS. He wrote in the contract a guarantee. He also advertised two years whatever it happens. A credit card suppose work for me and my money. So what Happened now??? I have to pay for a merchandise I don't have and a service that I did not received.
04/19/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • GA
  • 30331
Web Servicemember
On or about XX/XX/2019, I changed my AutoPay settings online from payment in full to minimum payment only. Section 1 ( f ) of the terms and conditions ( attached hereto ) indicate that such changes are acceptable if made at least three business days before the payment date, which was XX/XX/2019. Upon making such change, the next screen on the FNB website is substantially in the form attached hereto, which indicates explicitly that such " changes will take effect on the current billing cycle. '' On or about XX/XX/2019, FNB Omaha attempted to make an unauthorized withdrawal of {$3900.00}. This was unauthorized because my instructions to FNB, and accepted by FNB, only authorized the minimum payment only to be deducted. I was then charged a {$29.00} NSF fee by my home bank due to this unauthorized withdrawal by FNB ( shown in the transaction attached hereto ). On XXXX XXXX and XX/XX/2019, I reached out to FNB Omaha to notify them of the situation. I spoke to supervisor XXXX at or about XXXX on XX/XX/2019, who advised me of FNB 's deceptive practice of ignoring AutoPay changes for the current billing cycle. I told him about the Terms and Conditions to the contrary, as well as the explicit notification on the website that " changes will take effect on the current billing cycle, '' and XXXX confirmed that FNB 's practice was in fact the practice routinely used and what he advises to all of FNB 's other customers.
07/07/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • TX
  • 78745
Web
In XX/XX/XXXX, I was checking my balance on the MC card ( No. XXXX XXXX XXXX XXXX XXXX First National Bank of Omaha ), and asking about any special offers. I was told be banks representative that one special offer entailed making a purchase over {$500.00}, which I could pay back without incurring interest within 12 months ( or, by XX/XX/XXXX ). With this information, I made a large purchase at the end of XX/XX/XXXX. I would not have made the purchase otherwise. First two statements after the purchase showed no interest. I called again in XX/XX/XXXXto confirm that the offer was indeed real and correct. I spoke with a male representative, who checked with the supervisor and confirmed my understanding of the offer ( i.e., no interest until XX/XX/XXXX). When the next statement came, however, it showed an interest charge of {$380.00} ( or, 18.24 % ). This was unexpected. Fearing that an error was made, I called again, but this time I was told that there was no special offer! So after two phone calls telling me there was a special offer I suddenly got news that there was no offer. ( It should be noted that at the end of XX/XX/XXXX, there was change regarding XXXX MC initiated by the bank. ) I am repeating that I would not have made this purchase if not for the offer information I was given by a banks representative in XX/XX/XXXX. The bank recorded the phone calls, so they should have those available as proof.
03/01/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • TX
  • 75835
Web Servicemember
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.
12/19/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NE
  • 68502
Web Older American, Servicemember
I was issued a credit card by First National Bank of Omaha under the title of XXXX. I made all payments at the First National locations in XXXX. I allowed my daughter to use the credit card. Today at a trial in XXXX, a XXXX year employee of First National Bank denied the credit card was issued from XXXX. He contended, under oath, that was not possible. But I know firsthand as I used it. I am not denying that, but the employee from the collections department at the Bank was untruthful, as to the issuance, activation and ownership of the XXXX The records will verify I made payments until I incurred medical, legal and financial difficulty and I never refused to pay. XXXX, being the XXXX dollar corporation litigated against my daughter and I contending we were jointly responsible. And conveniently, First National contended they do n't have any records prior to XX/XX/XXXX, to verify the card was issued under the XXXX name. In the XXXX XXXX on page XXXX item XXXX, it states " From approximately XX/XX/XXXX until XX/XX/XXXX, Respondent marketed and sold the Credit Monitoring Product PrivacyGuard. '' How does XXXX acquire records as First National contended they do not mine have relating to the XXXX Visa? I believe they are involved in another untruthful operation. I am requesting an interview to ascertain if an illegal act has been committed. Thank you. Respectfully, XXXX XXXX XXXX
05/20/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • TX
  • 78230
Web
First National Bank of Omaha closed my Visa card with no prior notice. This company solicited me to open an account and then later closed it with no warning. These unfair practices damage consumer 's credit. On XX/XX/2019 I called FNB to ask that the account be reopened in order to pay down the balance. They could then lower the credit limit, if they so chose. A much better alternative to closing the account completely. I was told by a rep and then a supervisor the closed status was final and had already been reported to a credit agency ( XXXX ) My payment history was good ( rare if any late payments ) Balance was high because I use it for my XXXX account. FICO score is fair. I understand the risk factor but where is the personal relationship with the customer? A simple phone call or notice by mail would have resolved this. And if I was unable to lower my balance to alleviate their risk, then at that time they could make the decision to close the account. But this method is so drastic! Closing credit cards without offering the option to pay it off first is not even a good business choice. Why does a bank of this stature want to hurt their customers arbitrarily? A faceless entity - big banking - already despised in our country for milking the public with card debt and high interest rates, now adding to their bad image with automatic closures and adverse credit reports.
04/28/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IN
  • 47037
Web
Back in XX/XX/XXXX, I signed up for the official XXXX XXXX XXXX credit card ( issued by the First National Bank of Omaha ) to further support the organization and its support of the shooting sports, youth education and the Second Amendment rights were all guaranteed by the Constitution. In XX/XX/XXXX due to social pressure from the media and anti-gun organizations, they terminated the program - without notice to card holders. Many of whom who dont have multiple lines of established credit to fall back on. When I heard of this from the XXXX newsletter I contacted the bank ( on XX/XX/XXXX ) and was told that my card and account would not be renewed and basically given no option other than to close my account. ( Keep in mind that my account has always been in good standing and was always paid as agreed or better than agreed. ) Banks are required by law to be equal opportunity lenders and to not discriminate against their customers. In this case Im being discriminated against because of my membership in the XXXX and being an American citizen who supports and respects our constitution and the law. Im also effectively being denied credit based on their own political beliefs. This practice of virtue signaling and imposing their own political agenda goes completely in the face of laws guaranteeing equal opportunity to banking customers and anti-discrimination/fair credit rules.
01/01/2017 Yes
  • Credit card
  • APR or interest rate
  • MI
  • 49464
Web
First Bankcard appears to be out of compliance with the law. I 've tried discussing this with them on multiple occasions, however they do not want to hear it. XXXX examples : They do not disclose promotional interest rate expiration information on periodic statements, as required by law. I went so far as to send them this link, XXXXconsumerfinance.govXXXX however they do not care. They honestly seem incompetent and like they do not even understand what I am talking about. Furthermore, they do not apply anything about the minimum payment to the highest interest rate as required by law. I have paid well over the minimum payment amount on numerous occasions, however they always apply it to my promotional interest rate. They do not apply it to my purchases being assessed higher interest rates. I 've wrote them and e-mailed them about this, even specifically asking that my payment be applied to my purchase balances, and they refuse to do it. They seem to feel like they are exempt from the law. They honestly do n't seem to even understand the law. I told them I 'd be contacting the CFPB with this, and they are so arrogant they just kept saying " We comply with the law. '' and refused to look at the specific provisions of the law that they are not complying with. Please help. They need a wake-up call. I 'm sure it is not just me that they are pulling this against.
04/28/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • KY
  • 41071
Web
On XX/XX/XXXX I attempted to use on of my First National Bank of Omaha credit cards and the purchase was denied. I then checked the website and app and it said there were technical issues and to try again later. I called in and was transferred to department that said my account was currently under review and they would let me know when the review was complete. On XX/XX/XXXX I logged in to the website again to redeem my balance of rewards which were XXXX on card ending XXXX and XXXX on card ending XXXX. Again, it said there technical issues and to try again later. I was unable to redeem my rewards at this time because my account was still locked. On XX/XX/XXXX I called in to FNBO and asked for an update. I talked with XXXX in the high risk group and he told me that my accounts were still under review and that I would get a call when completed. On XX/XX/XXXX I called FNBO again and was able to get transferred over to the rewards group ( XXXX ). They informed me that FNBO closed my cards on XX/XX/XXXX and my rewards balance was forfeited as a result. I explained that I was trying to redeem my rewards prior to closure. They transferred me back to customer service. I asked customer service to please allow me to use my rewards and they told me the same thing. Its clear that FNBO used the locking of my account as a way to disallow me to redeem my rewards.
12/10/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • ID
  • 83814
Web Older American
In XX/XX/2019 I discovered that a fraudulent charge was made to my credit on XX/XX/2019 after the attempted charge on XX/XX/2019 was denied. I called First National Bank of Omaha and reported the fraudulent charge the was made by Investing Daily on XX/XX/2019 in the amount of {$140.00} for XXXX XXXX XXXX. I also reported to FNBO that I had never done business with XXXX XXXX nor had I ever received any services from XXXX XXXX. FNBO during their investigation called XXXX XXXX who told them at first that it was a renewal from a trial and earlier subscription. After receiving the denial from FNBO, I called FNBO on XX/XX/2019. The customer service representative could not find any prior charges made by XXXX XXXX to my credit card for this subscription service which I have never received any services from them. I was told it would be resolved in my favor. FNBO again started charging late fees, interest and over due fees for this charge which was fraudulently made by XXXX XXXX. Neither FNBO nor XXXX XXXX has been able to produce a signed written authorization or any other documentation proving that I authorized this charge to my credit card. I want the fraudulent charge removed from my account including all late fees, interest and over due fees. I want all negative reports to all three credit reporting agencies removed as soon as possible.
07/20/2016 Yes
  • Credit card
  • Late fee
  • IL
  • 60031
Web Older American
Credit card statement with due date of XXXX showed purchase made XXXX in the amount of {$33.00}. I returned some items XXXX XXXX and made a payment of the amount which was still due on XXXX XXXX The problem is that next month, First Bank charged me a late fee of {$25.00} and minimum interest charge of {$1.00} in spite of the fact that there was no past due obligation. When I called First Bank, I was told that the credit for my return did not actually remove my obligation for payment - that their computer system would not deduct returns from the current billing cycle. First Bank removed the " late '' fees when I called, but warned me that I was in danger of ruining my credit score unless I was " very '' careful. I resent that. I was told that I should have sent payment in full even though I had returned the item. I could not argue that this might be necessary if the return was made in another billing cycle, but it does n't make sense when the entire transaction takes place within the same billing cycle.. Once the store accepts the return and processes my credit, I should no longer have an obligation. I am making this compliant about First Bank because I feel that this policy is unfair to consumers, and sneaky. They hope to get use of money which has been credited back to me, and in addition, they try to impose fees which are patently ridiculous.
02/12/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NY
  • 11757
Web
I have an account with XXXX XXXX XXXX. I applied for the card to rebuild my credit. I have a small Account consisting of {$1500.00}. I make the full payment each month. However the last two months the Balance has been over {$1500.00}. They told me it's because I made payments over that amount however I don't know how that's possible because If I try to use the card it will either show " Denied '' or " Approved ''. On XX/XX/XXXX i made a payment of {$1500.00}. I was able to use the full amount of my balance {$1500.00}, however when I tried to schedule my next payment on XX/XX/XXXX it said I still owe {$68.00} due XX/XX/XXXX from the previous month. They said every time i go over my alloted {$1500.00} I get reported. I extremely frustrated because of the following : 1. ) I pay my card in full each month but for some reason they with hold or not show some purchases on the card. WHich leads to confusing balance updates 2. ) Then they charge me for over charging my card, which they have t power to deny payments. 3. ) They report this behavior like its my fault they can't keep up with the purchases on my card. I get the negative hit and they make it look like its the consumers fault 4. ) in the end its their fault for not updating my purchases and payments in time. I'd like to report them for this terrible, unethical behavior. It's bad business.
11/27/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • GA
  • 30548
Web
I received a mail offer for a credit card from First National Bank of Omaha for a XXXX XXXX credit card. The offer stated that there would be a 5 % transfer fee on all balance transfers and then an 8.99 % APR for the life of the transfer if done within the first 3 billing cycles. I applied and was accepted. After receiving my card the terms were different. They stated 0 % XX/XX/XXXX until XX/XX/XXXX then 23.99 % after that. I called the credit card company and they advised their original offer was a " typo '' on their end. I then contacted the BBB and 2 weeks later on XX/XX/XXXX I received a letter from First National Bank of Omaha saying they will honor the original terms. And, the interest would be 0 % until XX/XX/XXXX and transfers would be 8.99 % after that for the life of the loan. Today is XX/XX/XXXX and I am still unable to make the transfers because the bank has not fixed the terms on their end. I am accruing interest on the cards I want to transfer daily. I just want them to do what they said they were going to do. I have called and sent several emails to the bank and have spoken with countless managers and supervisors. They have all stated that they do not know when I will be allowed to make the transfers because they do not know when the terms will be updated. This is ridiculous. I do not understand what is taking so long. Please help.
01/24/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Making/receiving payments, sending money
  • MN
  • 55104
Web
in XXXX of 2015 I received a phone saying I was behind in my XXXX air credit card payments. this was very shocking to me since I have been on auto pay for years and have never had a problem. the representative said they were from first bankcard of Omaha. I was also told that they bought my account from XXXX bank. through conversation I found out that when they made the purchase they did NOT transfer any of the auto pay data and that I was 3 months behind and had to make a {$2200.00} payment immediately. of course I freaked out!!! I was never informed of any of this. I do n't read the bill, that 's why I 'm on auto pay. I paid the bill, and worked with the service person on restoring my auto pay feature sto avoid this in the future. XXXX 2015 this repeated again with a threat to sue me for the money that I thought was being paid. I told them about the XXXX problem, they said nothing was done. I complained that they were acting irresponsibly and this was a trick of some type and told them I would have my attorney contact them. They would n't even talk to them. now they hired attorneys to sue me for a problem they created by being incompetent. I 'm not arguing about the money owed. I 'm complaining about the lack of responsibility of there actions that are now causing me damage for no real reason, other that poor banking practices. thank you
08/21/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • GA
  • 30005
Web
The bank have been reduce my credit limit several time and they destroy my credit report and score I have contacted the customer service to the First Bankcard trying to connect with their credit department and the representative negligently act with me telling that the credit department do not talk to the customers. The customer service representative explained that the reason of the bank decreasing my credit limit is because they received from the credit bureau that my credit report was compromise with fraud alert. I mentioned to the representative that I was not aware of such issue with my credit report so he recommend to contact the 3 mayor credit bureau to tell them to stop the fraud alert. I called the 3 mayor credit bureau and I have even download my credit report to see if in reality I have a fraud alert. The 3 mayor credit bureau confirm that I do not have any fraud alert neither a flag on my credit reports and in addition my credit reports do not show any evidence of fraud alerts or flags. This bank have been decreasing the credit limit on the credit card the issue to me causing a huge damage in my credit history. Today I have to cancel my account with them because there is no way that this can be resolve directly with the bank. This bank works against their customers even that I have a clean a diligent credit history with them.
09/06/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • WI
  • 54601
Web Older American, Servicemember
Two years ago, my wife made a reservation on XXXX XXXX XXXX. While taking the reservation, the clerk persuaded my wife to apply for the XXXX XXXX XXXX Visa credit card, telling her that possession of the XXXX XXXX XXXX Visa credit card would entitle her to check one piece of luggage at no charge. My wife received the credit card, never used it once and was surprised last month to receive a bill in the mail from XXXX XXXX XXXX Visa Credit Card for {$69.00}, payable by XX/XX/XXXX. She called and learned that the fine print for the credit card stipulated that after 1 year there is an annual fee of {$69.00}. This was never mentioned by the reservation clerk when she was selling her the airlines credit card. My wife promptly canceled the card. When we called XX/XX/XXXX XXXX XXXX, they directed her to complain to the credit card company [ XXXX XXXX / XXXX XXXX XXXX / XXXX, XXXX XXXX/ telephone : XXXX ]. Not surprising, the credit card in turn directed her to complain to XX/XX/XXXX XXXX XXXX. Both companies were in agreement that they were not responsible. We strongly protest these sales tactics. My wife would never have signed up for the card if she had been warned up front of an annual fee. We are currently using a credit card that gives us reward points. I assure you that we would never have signed up for a card with a {$69.00} annual fee.
01/21/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • CA
  • 91505
Web Servicemember
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!
11/05/2016 Yes
  • Credit card
  • Late fee
  • CO
  • 80123
Web
I missed my XXXX XXXX, 2016 payment by mistake and called the company on XXXX XXXX, 2016 when I realized my error. They waived the late fee and, in order to prevent this problem from happening again, we discussed changing my due date from the XXXX to the XXXX. I was told that future payments would be due no later than the XXXX. I even set up auto-pay to ensure I would not be late again. Today, XXXX XXXX, 2016, I received an email notice that claimed I missed another payment. I immediately called the company who confirmed that they changed the due date and setup auto-pay for me. However, they claimed that the due date change was not take effective until XXXX 2016 and the auto-pay would not start until XXXX XXXX, 2016. I was not advised on the phone or in writing that the due date change would not be effective for the XXXX 2016 period. Further, the company sent me the XXXX 2016 statement on XXXX XXXX, XXXX, but I spoke with the representative on XXXX XXXX. Thus, the XXXX XXXX statement would not reflect this representation and change by the company. The company has now increased the late fee from {$23.00} to {$37.00} and refuses to waive it. I relied on their representation that my due date was changed for all future periods, including the XXXX 2016 period. The company is now attempting to charge me a fee for its mistake.
04/18/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MN
  • 55105
Web Servicemember
I obtained a HELOC loan to pay off some credit cards in XX/XX/2019. XXXX XXXX issued a Cashiers Checks to pay off my XXXX 's account. The check was written out for {$80.00}, paid to the order of XXXX XXXX. However, they accidently sent the check XXXX XXXX to First National Bank of Omaha. First National Bank of Omaha deposited the money into their account, and because the account number on the check was not an account of theirs, the money, obviously, was never credited to. my XXXX account. As well, it was not credited to the account I have with First National Bank of Omaha : a XXXX XXXX VISA card. Basically, the cashiers check was cashed by First National Bank of Omaha, but never credited to any account I hold. On XX/XX/XXXX the check was received and deposited. I called XXXX for months to try to figure this out, and finally on XX/XX/XXXX, Macys informed me that the check was cashed by First Naitonal Bank of Omaha. They gave me the phone number for FNBO, On XX/XX/XXXX, I spoke with a Customer Service Rep and they told me to fax a copy of the check and the receipt from XXXX XXXX for this transaction and they would get back to me. I have since called them several times, written them letter and to no avail. They tell me they did not receive the faxed copies, or the written copy. I need help getthing this oney back.
04/09/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 18436
Web Servicemember
I have never applied for this credit card, I have never possessed a physical card for this account, and I never made or authorized Any charge to this card. My deceased wife ( passed XX/XX/2020 ) after a long battle with XXXX has always taken care of all of our finances. After her death, my children have been trying to help me get all my finances in order and after pulling credit we found many cards I had no knowledge of. Sadly this is a case of family fraud. What Im putting together is that my wife during treatments and on medication opened these accounts in my name and without my knowledge, authorization or permission. I should not be responsible for this balance. I contacted the bank and placed a Family Fraud Claim but sadly the bank said this was not fraud. The bank did confirm there is no signatures as this was an online application. How can a bank get away with opening an account in my name without my permission, a signature or any proof of who is opening an account? Now the bank wants to hold me responsible for an unexpected debt for items I never purchased and ruin my credit. This is not right and the Bank Must Make This Right! It should be the financial institution to be held responsible for their own due diligence when opening new accounts. The person we spoke to at XXXX XXXX fraud department was XXXX XXXX.
11/20/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • WI
  • 53212
Web
This complaint is not about my ability to pay. Rather, I believe this credit card, a TCF Bank Visa issued by First Bankcard of Omaha, is intentionally misleading cardholders through the Minimum Payment Due language. The stated Minimum Payment Due amount is always higher than the payment shown in the Minimum Payment Warning chart that shows how much time it will take to pay off the balance if paying the minimum payment as opposed to making a payment of another amount. So, for example, the Minimum Payment Due amount on my latest statement is {$74.00}. According to the Minimum Payment Warning chart, if I make only the minimum payment ( and make no additional charges, ) I will pay off the balance in " about ... '' 5 years. However, If I make no additional charges and want to pay off the balance in 3 years, the amount I am advised to pay is {$62.00}. One can not make a lower payment and pay the balance off in less time, obviously. I believe this misleading and incorrect information has been provided intentionally to manipulate people into making less than the minimum payment. I have spoken to the company about this and never got past " Oh, I see! That IS strange. I'll take this right to my supervisor! '' This practice has gone unchanged since the very first statement I received from the company back in XX/XX/2017.
10/06/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60707
Web Older American
COMPLAINT ABOUT A FINANCIAL INSTITUTION/CREDIT CARD Issue was with the companys negligence and lack of cooperation with me resulted in failure to resolve issue with provider in XXXX. Providers delivery was inaccurate and unacceptable. It was an internet food order from XXXX XXXX XXXX Stores left outside in extreme heat without notice and no receipt. I didnt know who to contact as they said it was a third party, XXXX XXXX. Generally, when an issue is raised the institution will put the amount into dispute category until resolved. This was not done until XXXX. My experience with institutions has been that once they are billed, they have contact information. In fact, they provide telephone numbers and ask you to try to resolve. Not done. The usual process is efficient, meaning usually resolved within 30 days. Here it was 3 months after I said I would not pay. This was blatant neglect and passing charge on the me. It was a small amount, I could have paid it. In fact, I probably had more than that amount in points/ $ $ on their card that I left. They should not be allowed to steam roll anyone because some people would pay simply to keep it off their credit. My credit report for XXXX years never a late payment nor unpaid bill, until now XXXX {$56.00} ) amount owed. I am challenging this unfair treatment.
03/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 01540
Web
I have been trying to negotiate a debt settlement with my original credit card company ( First National Bank of Omaha ). In the midst of this negotiation, I received a notice from that original credit card company stating they sold my debt to a specific debt collection company ( XXXX XXXX XXXX XXXX XXXX ) and that company was prohibited from reselling my account to an entity other than to an affiliated entity without the approval of the original creditor. I sent a negotiation letter to that debt collection company as soon as I received the letter from the original creditor. Soon after, I started getting collection phone calls from a different company to my place of employment. I then received a notice in the mail from that different company ( XXXX XXXX XXXX ), telling me that I need to send payment to XXXX. I sent them a verification letter on XX/XX/XXXX/2019. To date ( XX/XX/XXXX/19 ), I have only received copies of my credit card statements and a notice stating that XXXX was permitted in the State of Massachusetts. However, I do not, nor ever received, a letter stating that they are authorized by the original creditor to collect the debt. The 2nd debt collector has bad marks about their unsavory debt collection practices and I don't trust them. The 30 day period is over for giving me this information.
07/26/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 49505
Web
My husband and I had credit cards through First National Bank of Omaha in XX/XX/XXXX and XX/XX/XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. We received a judgment from XXXX XXXX XXXX XXXX for both credit cards stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to First National Bank of Omaha to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XX/XX/XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. We called XXXX XXXX XXXX who directed us to their lawyer at XXXX XXXX XXXX, XXXX who laughed when we told them we had paid this off and told us to prove it.
01/29/2016 Yes
  • Credit card
  • Other
  • HI
  • 33484
Web Older American
on or about XXXX XXXX 2015 my husband and I apply for a business commercial for the company in the name XXXX and this bank know that my husband already have an account with the bank. and that we have good credit on all of our account. .. the branch manage of the bank said went you and your husband apply for the commercial account. please contact bank and explain to card service about the inquiries that being use for personal and business account and in your house hold. that why we have so many inquires. I do not belief that some one who is already a good and loyally customer at the bank would be get denial just because of a score and a number and not look at the fact these is our loyally customer. is it because of our age. it can not be because our good credit. because you will not can not find any information to warrant a denial in my credit file. my fico is a XXXX, we want to stop use my credit for business. and build the business credit line. I think its unfair to being denial base on a score with out look at my husband account that already with this bank. if we are not approve. we can not get the tax credit at the end of the year. that why we apply for a business commercial account. so we could get the tax credit to writer off company expense and stop use personal credit for the business..
06/14/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • KS
  • 66062
Web
Failed Bank Information for The XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX On XX/XX/XXXX, The XXXX XXXX XXXX XXXX XXXX was closed by the Office of the Comptroller of the Currency. The FDIC was named XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX acquired all deposit accounts. The FDIC as Receiver for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX has taken all actions necessary to terminate the Receivership Estate. The Receiver published a legal notice of intent to terminate the receivership on XX/XX/XXXX and has made all dividend distributions required by law. Effective XX/XX/XXXX, the Receiver was discharged and the Receivership Estate was terminated and ceased existence as a legal entity. Feds close XXXX XXXX XXXX XXXX XXXX ; XXXX takes over XXXX XXXX XXXX is the 19th-largest bank in the XXXX XXXX area based on market share of deposits. It has {$2.00} XXXX in assets. Founded in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX was the first nationally chartered bank established in XXXX County. Led by CEO XXXX XXXX, it passed {$1.00} XXXX in assets in XX/XX/XXXX. However, the bank hasnt been able to maintain the minimum capital reserve required by regulators since the second quarter of XX/XX/XXXX. The Office of the Comptroller of the Currency officially declared the bank in troubled condition in XX/XX/XXXX.
08/16/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • CA
  • 91316
Web
I opened a MasterCard with XXXX brand. I’ve had this credit card since XX/XX/2019. They gave me a credit line of $XXXX. I’ve been making payments timely and using the credit card. Just this month, I found out, after I made a payment of XXXX XXXX XXXX on a minimum payment of XXXX XXXX XXXX XXXX XXXX, they lowered my credit line from $XXXX to $XXXX, without my knowledge. When I called to speak with their credit team, the customer service rep stated that I was not allowed to speak to anyone. I wanted to know why. The customer service rep stated it was because of my XXXX score. My XXXX score is now being effected because they lowered my credit line, yet I’m still making high dollar payments. You can see that I’ve been making 3 times the minimum payment, yet XXXX credit card lowered my credit line which is now causing my credit score too stay low as well. I’m concerned that now that I’ve stopped using the credit card, they will close my account and force me to pay up front or destroy my credit that I’ve been working to increase. I’m filing this report to make them accountable. If they didn’t want me to spend the money, why did they allow me access to $XXXX??? I’m extremely worried that they will come after me by ruining my credit and expecting me to pay upfront all at once.
11/04/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • TX
  • 75023
Web
I received a Visa credit card from First National Bank of Omaha that I never applied for. I called and was told that my XXXX gas charge card was being discontinued and my account had automatically been moved to a Visa. I told them I did not want the Visa and was told to call XXXX to cancel. I called XXXX and was told the gas card would be closed effective Sunday and I would have to call the bank next week to cancel the Visa as they did not have my information yet ( but had still issued a card ). Now, instead of having a card with which the possibility of fraud only existed at a certain gas station, I was unwillingly given a card that would open me up to fraud a nywhere. In addition, adding a Visa would negatively affect my credit score and closing that Visa immediately on receipt would even further negatively affect my score. I was told that it was too bad and that sometimes things are just out of our control. I do not want this Visa, do not want any mention of this Visa on my credit score, and never applied for this card I was sent. First National Bank of Omaha will cause damage to my credit that will take a long time to rectify and it was forced on me without my request or consent. If there are truly bad trade practices, I believe this would be among the defining pictures.
03/28/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 19118
Web
A few months ago, I attempted to make a normal, monthly payment to my account statement over the phone, using my debit card attached to my checking account. I thought the payment had gone through okay, as I received a confirmation number. A month later, however, after seeing my printed statement, I noticed the bank indicated that I had made a stop-payment on the amount I had paid. Realizing it was an error ( I had never requested any stop-payments on my account ), I contacted my bank who issued the debit-check card and the First National Bank of Omaha, to whom I had made the payment. I then did a 3-way conversation with my bank and the Bank of Omaha customer service to try to rectify the error. It appears when I made the phone payment, I may had inadvertently left out one of the numbers in my checking account when putting my information in. Even though The First National Bank of Omaha customer service rep realized it was an error, the person I spoke to was extremely rude and condescending, and refused to rectify the situation. I received a letter stating my account had been closed for delinquency, although I had no past-due amount assessed to the card. As a result, my credit has been damaged and I am struggling to pay the card off, as they are adding on late fees and interest.
11/08/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60661
Web
4 credit card accounts opened in XX/XX/XXXX-XX/XX/XXXXunder my name. Had been sold to 4 debt collection agency since. The following account are : 1. XXXX XXXX {$2300.00} / Original Creditor : First National Bank of OMAHA ( Acct # XXXX ) 2. XXXX XXXX {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!
04/03/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 78230
Web
On XX/XX/2019 I paid out what I was told was my balance on my 1st Bank of Omaha, {$8800.00}. My payments aren't due until the XXXX of each month. therefore I was " way ahead '' of payment due date. 3 days later I email the company on their web page asking the account be closed permanently. 1st Bank Omaha responded email on XX/XX/2019 informing me the account was closed. Come XX/XX/2019 I get an email from 1st Omaha informing me my account has a {$25.00} balance I am responsible for? I immediately call them. I spoke to the 1st rep who immediately informs me the bank " Does Not '' provide payout amount telephonically to customers, after I try to tell her my account is closed. I ask for a supervisor, who comes on line only to inform me that the {$25.00} balance is interest accured from the XX/XX/2019 to the date of when " THEY '' produced their next statement of XX/XX/2019. I explain on how I tried to get a pay-out from a rep before XX/XX/2019 to no avail, but she had told me the amount on line was amount due. I don't understand how I accrue interest on a closed account ( XX/XX/19 ) with XXXX balance? 1st Bank 's supervisor, simply tells me that if I want my account to dissapear, basically I just need to pay the amount. There was much more spoke, not enough room on page.
03/11/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 32605
Web Servicemember
Payment due date was one day earlier than I made payment online. No issues with my failure to comply on time. As I never revolve on these accounts, my concern was the average daily balance and interest continuing to accrue until the average daily balance was XXXX or less for the entire billing cycle. Discontinue using card for several months and paying extra to cover one extra day of interests and prevent minimum {$2.00} charge next month was my plan. 4 Options for payment online were 1 ) Full 2 ) Last Statement Balance 3 ) Minimum and 4 ) Other Since first 3 options all were for {$10.00}, I tried to pay {$15.00} using Other amount option. Would not allow stating it could not exceed Full amount. Full amount does not include unposted fees even though we all know they are accruing. This clear effort to prevent intentional over payments to avoid credit balances while also increasing revolving credit interest income seems very deceptive. To force me to mail or wire a separate payment via other means is not very efficient or consumer friendly in my view and I would ask that the Consumer Finance Protection Bureau seek to end this practice of preventing consumers the option to intentionally overpay to avoid additional fees or interest. Thank you for your consideration.
10/19/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • OR
  • 97140
Web
I accepted a balance transfer offer from XXXX for a XXXX University-associated card. The first bill included the full balance transfer fee plus the minimum balance calculated, for a first payment of nearly 10 % of the balance due. The fee is less than the remaining available balance. The Cardmember Agreement does not identify this fee as payable immediately or indicate in any other way that the transfer fee would be required to be paid in full. I called the company and they pointed to a small paragraph on the back of the mailing card ( 1 of 4 documents ) stating that the minimum paying would be " ... the current cycle fees and finance charges plus 3 % of the new balance '' and claimed that the balance transfer fee qualifies. I have done several balance transfers with multiple cards over the years and not one single time has a company tried to front-load the fee. This is not standard for the industry and was not disclosed clearly at any point, certainly not before I agreed to the transfer. In addition, the Cardmember Agreement expressly states in Section 18 " Other Terms '' that " This Agreement replaces any prior communications between you and us '' and the Agreement does not identify, disclose, or even suggest that the fee would be due immediately.
11/07/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • CA
  • 94947
Web
I have a credit card with First National Bank. I have a balance in my credit card amounting to {$680.00} and the due date isXX/XX/XXXX. I paid the full amount last XX/XX/XXXX. When I got the next billing statement, I was charged of {$11.00} for interest charged. I called the credit card company to dispute the interest charge. They told me its a valid charge and they can not waived it, since in the 2 previous billing statement I did not pay the full amount. I told them yes I understand that I did not pay the full amount in the 2 previous billing statement that 's why you charged me a interest which is fine with me. But on the 3rd billing statement I pay the full amount before the due date that 's why I should not be charged of interest. And I told them just to closed my credit card because I am disappointed with your credit card. I told them I will not pay the {$11.00} because I believed this is not a valid charged. They customer service representative I spoke even treat me that they will report me to credit bureau for not paying the balance and my credit score and credit file will be affected. Just to make it easier I decided to pay the {$11.00} but I will complain the First National Bank to the Consumer Financial Protection Bureau.
11/24/2015 Yes
  • Bank account or service
  • Savings account
  • Account opening, closing, or management
  • KS
  • 66221
Web Servicemember
My husband died XXXX XXXX, 2015. We had a savings account that we deposited our monthly accruals into because it paid a higher interest rate. After XXXX died I took a certified copy of his death certificate and the account was promptly put in my name since I was his POD. On XXXX XXXX, 2015 I successfully transferred {$50000.00} into my checking account to pay for his funeral expenses and XXXX quarterly taxes. I have also received XXXX statements showing myself as owner of the account. On XXXX XXXX, 2015 I tried to transfer {$5000.00} out of that account to pay bills. I no longer receive my husbands military pay or social security. I was denied access so I called customer service. I was told that the problem was " due to my internet browser ''. I called my local branch representative and was told that they " could n't find the signature card and needed to determine ownership ''. Shortly after XXXX fell XXXX XXXX I visited the bank in person as we were each others power of attorney and verified all accounts and that I was in fact his POD. My husband had set up a trust for me naming First National Bank as trustees. My attorney and I fired them for several reasons. I feel like they are punishing me for relieving them of their trustee duties.
07/01/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • AZ
  • 85383
Web
We opened the account in XXXX of 2019. We have several cards and thus have not used this card for purchases much. We did use the card several months ago. When we opened the card we agreed to open the card to make a large purchase and earn the rewards points. We just received a letter advising that the account was closed due to inactivity, however we were never notified that it would close for inactivity NOR that if it closed all points would be lost. I just called and spoke to a representative and she stated the account is closed and rewards are lost. She stated they are not required to notify us rewards will be lost. Had we received notice that the rewards would be lost we would have made plans to use the card to remain active. However, now the account has been closed and the rewards WE earned have been lost. It appears to me that this is a predatory practice - it does not seem fair or legal. What's to say the creditor is not running a report for accounts that have been inactive and closing those who have rewards to avoid paying those out? It would appear to me as a consumer that is what's occurring and this is a predatory practice and demand the account and rewards be reinstated and CFPB performs a full investigation on this practice.
08/09/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 49505
Web
My husband and I had credit cards through First National Bank of Omaha in XXXX and XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. I received a judgment from XXXX XXXX XXXX XXXX for my credit card stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to First National Bank of Omaha to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. My account has been garnished repeatedly as well as my children 's savings accounts because my name is on them.
10/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33809
Web
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, you remove your unauthorized inquiries from my credit profiles send me confirmation that you have complied with my requests.
02/19/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 34715
Web
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.
03/10/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • IL
  • 60048
Web
I received a response back to my prior complaint to First National Bank of Omaha and XXXX XXXX from the office of the President at the company has clearly stated that they are not following their own policies set in place. 1. XXXX stated the available amount for a balance transfer is {$5300.00} and I was approved for more, which means they never established the type of account I requested. They opened a regular credit account, which is not what was requested. 2. She states they are subject to their approval. I should not have been approved on an application that was missing information. This is fraudulent account creation when all application information is not complete. 3. She stated, " If you ask for a balance transfer and we do not approve the full amount, we may either pay only part of the amount you asked for or decline your request. '' They did neither, so again, this is a fraudulent account and should not have been created. I would like to know when they will be correcting my credit report for the fraudulent account that they created in my name on a partially completed balance transfer form that their agents should have declined or reached back and requested more information. Thank you.
04/15/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MA
  • 01543
Web
Hello, Today 's date is XX/XX/19 I have a First National Bank ( FNB ) of Omaha Orvis Credit with a {$3000.00} credit limit, which is paid off monthly. FNB allowed a transaction to be posted against my credit card which allowed my credit limit to be exceed. I have NOT opted in to over-limit fees so the expectation that any transaction is declined if there isn't enough available credit to cover it. I have contacted FNB and their representatives indicated have no hard stop of purchases that exceed credit limits as they find their card holders to be upset and they do not wish to have to communicate with them, so they allow over limit purchases. I asked if I could have a hard limit set on my account and they said no, they can not do that. I have contacted two ( 2 ) out of three ( 3 ) credit bureaus and they said that FNB should provide a later to sort this indicating FNB 's misstep. When this was communicated to FNB, they said no, they will not. At this point, given the above I have to accept what appears to be a business practice of FNB that is in direct conflict with the " Credit Card Accountability Responsibility and Disclosure Act '' which indicates that over limit purchases should be declined.
02/06/2017 Yes
  • Credit card
  • Advertising and marketing
  • AZ
  • 85748
Web
Interest was charged to my account during what I believed was a six month interest free offer through First Bank Card -- -First National Bank of Omaha . My first billing statement was issued XXXX XXXX, XXXX with the first payment due XXXX XXXX, XXXX. I paid off the entire balance on XXXX XXXX, XXXX. Later in XXXX I received a statement issued on XXXX XXXX, XXXX which had a balance of {$37.00}, the only charge being {$37.00} in interest. I contacted First Bank and was told that 0 % interest began the day I activated the account, XXXX XXXX, XXXX. I said I was under the impression that six months would mean six billing periods. They said, " six months is six months '' and that I had to pay the interest charge. I said I would pay in dispute so as not to impact my credit rating. I have researched other 0 % credit card offers and they typically refer to months and billing periods interchangeably in regard to their offers. I believe that the marketing of the offer by First Bank Card was deliberately vague and misleading. The fact that there was no interest charge on the XXXX XXXX, XXXX statement would indicate that six months is not six months since I activated the account on XXXX XXXX, XXXX.
08/27/2018 Yes
  • Money transfer, virtual currency, or money service
  • Foreign currency exchange
  • Incorrect exchange rate
  • NE
  • 69337
Web Servicemember
I went to the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, NE XXXX on XX/XX/2018 @ XXXX to generate a wire transfer in the amount of {$21000.00} to my family in XXXX. Banker at the time initiated the wire to be transferred in the foreign currency which was XXXX XXXX. After the wire had gone out I came home and calculated the wire transfer exchange rate applied by my financial institution and realized that there was a {$800.00} difference in the exchange rate vs the foreign exchange rate. XXXX applied the exchange rate as $ XXXX XXXX but foreign exchange rate on that day was $ XXXX per XXXX. What I don't understand is how come there is a huge difference in the exchange rate of my financial institution versus the foreign exchange rate. With such a enormous difference in the exchange rate I am losing about {$800.00} by transferring the money to my family. This is totally unethical and not fair to the consumer to bear such a huge loss in the process of currency conversion. I do understand that financial institutions do have their fees and stuff but there can't be a difference of at least {$800.00} between the exchange rates. I would highly appreciate you closer investigation in this matter.
02/21/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • WA
  • 98271
Web Older American
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.
09/06/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NE
  • 68022
Web Older American
I have a First National Bank ( First Card ) XXXX XXXX credit card. My XX/XX/XXXX statement showed a {$59.00} annual fee. I called customer service on XX/XX/XXXX and told them to cancel the card as I was not interested in paying a {$59.00} annual fee to keep the card active. They said that they would cancel the card but that I would still owe the {$59.00} annual fee. I do not understand how that can be possible when I am cancelling the card. They said it is their policy that once charged, it can not be waived. Supervisor XXXX confirmed this policy. They claimed I was notified of this in my XX/XX/XXXX statement. I had NO activity during XX/XX/XXXX and did NOT receive an XX/XX/XXXX statement, nor does one appear on my " on line '' account. No XX/XX/XXXX statement was generated, so I was not notified of their unreasonable policy prior to being charged. She could not explain that flaw in their system. The credit card was cancelled on XX/XX/XXXXbut they insist on leaving the annual fee on my account. In my many years of using credit cards, I have never had to pay an annual fee when cancelling a credit card within 24 hours of the fee being charged to my account without notice or approval.
02/20/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NE
  • 68123
Web
Back on XX/XX/XXXX I contacted the Frist Bankcard of Omaha disputes department to dispute a charge by XXXX XXXX XXXX for the amount of {$1600.00}. On XX/XX/XXXX, the charge was posted to my account for XXXX XXXX XXXX to move me from XXXX, XXXX to XXXX, XXXX. I contracted XXXX XXXX XXXX to move me on the days of XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX XXXX never showed up or provided any services to me during my move. XXXX XXXX XXXX charged me twice for the same amount. Once on XX/XX/XXXX and again on XX/XX/XXXX. Each time the charge was for {$1600.00} for a grand total of {$3200.00}. Both XXXX XXXX XXXX charges of {$1600.00} are not valid transactions because no services were provided per the moving contract. Frist Bankcard of Omaha has been unable to reverse both invalid XXXX XXXX XXXX charges. The {$1600.00} put on my accounts balance on XX/XX/XXXX is now due for me to pay on XX/XX/XXXX even though I did not receive any services from XXXX XXXX XXXX. The {$1600.00} put on my accounts balance on XX/XX/XXXX is still in dispute. No notification has been given to when this charge will be resolved. This charge is a double charge and I did not receive any services from XXXX XXXX XXXX.
10/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • CA
  • 92109
Web Older American
This is my fifith complaint. I do not consider the matter closed. As I have stated my account was closed as part of a Covid 19 payment program to bring my outstanding balance back into good standing. In good faith, I have now brought my account into good standing for some months now and you refuse to reopen my account. This shows bad faith. I was never informed that once closed that my account could not be reopened. I do not see that detail in any of the small print associated with the opening of the account. I have had other credit card companies close my account for the same reasoning but they have allowed me to reopen the account once in good standing. Why are you different. I was a good customer for many years with an excellent payment history. The pandemic has caused economic hardhsips for many Americans of which I am one. How can you expect me to just accept this and continue to make payments without the proper use of my card? You offer me no alternatives so I am going to seek legal aid for your usury practices and possible claims filing. In the meanwhile I am not going to be making any more payments until this matter is resolved. Please do the right thing!
10/25/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • OH
  • 44131
Web
My XXXX XXXX XXXX card issued by First National Bank was closed by the financial institution on XX/XX/2020. I did not receive any warning or notification that the account was closed, but only realized it when my card was decline when I tried to use it. When I called in, I was told that it was closed because there was too many recent inquiries on my credit report, which I explained was a result of my two recent back to back refinances on my mortgage to try to take advantage of the declining interest rate environment. Given that this is not an unusual thing for people to do in such a rate environment, and no new debt was established, I requested that the bank reconsider this decision. However, they insisted that this decision is final. I believe that this is unfair practices, and I believe that the bank should have informed me and offered me a chance to explain the situation prior to taking such an adverse action. This account and none of my other credit/loan accounts have never been delinquent, and my revolving debt to credit limit ratio has never exceeded 10 %. I have accumulated nearly 34,000 points through spending on this card and I have now lost access to these points.
01/08/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IN
  • 46374
Web
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.
10/21/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • NY
  • 10601
Web
I have a credit card from First national bank of Omaha, which I have been actively using since the day I obtained it. I have always made regular payments to this card without ever being late or delinquent. I recently tried to use the credit card at a store but my card was declined, I assumed this would be some issue with the terminal there, so I paid using cash. Later I got a letter from the bank ( dated XXXX, 2017 ) saying that they observed some unusual activity on my account and they have blocked my credit card temporarily. I was also asked to call on a phone number mentioned on the letter to get this issue resolved. When I called the bank on XXXX XXXX 2017, I was told that they can not provide me any information or explanation as to why the card was blocked, and I need to fax them my state ID, SSN and a utility bill. They also refused to send me a written or email communication asking for these documents. I am not comfortable sending all these documents to the bank, I am also having a hard time making payments since the credit card no longer works. I would really appreciates if CFPB could look into this matter and help me get this issue resolved with the bank
01/21/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NJ
  • 08078
Web
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
06/22/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • NE
  • 68114
Web
I have attempted to contact XXXX XXXX XXXX numerous times to stop automatic withdraws from my checking account. I've gone to multiple gyms to try to get this stopped and have paid fees to break the contract of {$100.00}. Yet again the company won't stop charging my account, This has been a reoccurring pattern with this company. In XX/XX/XXXX the company was informed by me and my wife that we would like to put our membership on a hold. The manager of the gym told us that it would be done, yet he did nothing. We were charged for 5 months of excessive dues of XXXX a month. Eventually after calling their headquarters office we were able to get the membership on hold. InXX/XX/XXXX we attempted to cancel our membership once and for all. The manager said that it would be done. Yet again we are still being charged {$43.00} per month. Finally on XX/XX/XXXX we went to a different gym and spoke with a different manager. We paid {$100.00} to break our contract, and promised that we wouldn't be charged anymore. On XX/XX/XXXX we were charged again for {$43.00}. I am in the process of attempting to collect receipts for the {$100.00} fee paid and the copy of the contract.
07/11/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • GA
  • 30316
Web
Got a call from First Bank Card 's ( 1st National Bank of Omaha ) fraud department asking if one of my employees cards was trying to be used ... XXXX I went online and notice that mine and my employees cards had been shut off - I called the regular number on the card XXXX ... he said someone tried to use my card on XXXX ( not my employees that the other person called about-but mine ). This card has not been in circulation or had a purchase for almost 2 years. I asked him how ... he said must have been someone when I was walking around blah blah.. The card has been locked up in the house for 2 years ... I said they must have been hacked ... he said no.. it must have been gotten another way. Then he pulls up my employees card and his also had an XXXX attempted purchase.. this card has been inactive and locked up for 3 years. It's obvious someone has hacked into 1st National Bank of Omaha ... no other way they could have gotten both of the credit cards info and tried charging at the exact same place at the exact same time. They are trying to cover it up and I have no idea how much of my information is out there now. This is a problem that they will not fess up to.
01/05/2016 Yes
  • Credit card
  • Billing disputes
  • TX
  • 75457
Web Older American
I rented a car over the internet. I agreed to pay {$130.00} to rent the car over a four ( 4 ) day period. I never saw the contract. I picked up the car in XXXX, Ga, and used it for the four days. I paid for the rental with an American Express credit card, issued by the XXXX XXXX XXXX XXXX XXXX. Open returning the car, I signed a receipt acknowledging the return of the car. After signing the receipt, I was informed, for the first time, that the card had to be returned by XXXX. Because it was after lunch and I had already signed the receipt, I took no immediate action. I feel that I was " baited and switched '' into paying additional fee that I was not informed of prior to signing an acknowledgement. I contacted the card issuer ( XXXX, XXXX ) and disputed the {$30.00} additional charge. On XXXX/XXXX/15 I was informed by the credit card issuer that because I had unwittingly signed an acknowledgement that they would " not have the authority to continue to persue the credit from the merchant on your behalf. '' Because of the small amount and fraudulent bill, XXXX, XXXX, has just " rolled over '' for the merchant. And I 'm out {$30.00} on a " bait and switch '' scheme.
05/01/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 30224
Web
In XXXX XXXX , I got behind on my credit card with First National Bank of Omaha due to having a baby and being on unpaid maternity leave. I could n't catch up and pay the minimum amount due so I ignored it for a while. About a year later, a debt consolidation company XXXX XXXX ) contacted me on First National 's behalf in order to consolidate. I worked out a deal where I would pay back half of the debt over a course of a year which amounted to about {$2400.00} and the other half would be reported on a XXXX Cancellation of Debt which I filed on my taxes for the year XXXX . Since then, I keep having call after call from a different company/firm trying to collect on this same debt. I tell them that I have fulfilled the debt through a debt consolidation company and they say thank you and we will take care of it. Then a month or two later, I get another call from another company with the same story. So I tell them again what I did and they leave me alone. I have seen where they are going so far as to call my brother in another state and my in laws trying to find me. This is utterly ridiculous and I need help! Any help you can provide would be fantastic.
10/28/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75056
Web
To whom it may concern, On a recent review of my credit report, I discovered your company, FNB OMAHA continues to report the collection account referenced herein. Prior disputes have not resulted in validation of the debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. Statements showing itemization of monies owed. Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for the state of Texas. Proof that you are licensed to collect in my state of residence I am also requesting that FNB OMAHA cease and desist from all collection activity pertaining to this account. If youre unable to validate the account within 30 days, then you are to remove the collection account from my credit reports. Your failure to act will result in this matter being referred to the Federal Trade Commission, the XXXX XXXX XXXX, and the Attorney Generals Office.
06/20/2015 Yes
  • Credit card
  • Late fee
  • TX
  • 79936
Web
First National Bank of Omaha XXXX card does not waive more than XXXX late fee for the life of the card. I paid my XXXX card online at XXXX., XXXX XXXX, the day the card payment was due. However, this card like many has early deadlines. This payment was due at XXXX., CDT, XXXX., my time, MDT. I had XXXX late fee waived on this card more than a year ago. I asked to have {$10.00} late fee waived when I called card on XXXX XXXX. I talked to customer service rep., and XXXX supervisors. They would not waive the fee. I closed this card some time ago, so I can not close it. I am trying to pay it off. Now, bank added {$10.00} fee it will not remove. Yes, I know it is likely in my card agreement, as I was told. But most credit card issuers will waive at least XXXX late fee a year. This {$10.00} fee should be waived in this case routinely. I overlooked paying the card until the night it was due. The bank is getting a fee for nothing. It got the payment six hours after its early deadline. I want to know what other federal agency I should file a complaint. This is not a just late fee. It is getting money only to make it more difficult for me to pay off the card.
05/14/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • CA
  • 90277
Web
I asked for a balance transfer to my XXXX XXXX account from first bank. They offered me a transfer rate of 0 % until XX/XX/2021. Somewhere in very small print was written that theres a 5 % fee which I did not understand at all or see, because this was an application that I did online. I took a month for them to send me the actual card, and I couldnt sign on and see what was going on. Finally after calling them they sent me the card and I managed to sign up online to look at my account And I see they charged me {$410.00}, for a balance transfer of {$8300.00}. and I see they charged me {$410.00}, for a balance transfer of {$8300.00}. If I had known that this was the amount I would never have done a balance transfer, because essentially whats happening is they charging me a 5 % interest-rate to pay this off within a year, not a 0 % interest rate which was what I was understanding Due to the fact it took almost a month for me to get the card and be able to sign-on and look at the details, theyve already sent the transfer to my XXXX XXXX account and charge me the {$410.00} I would like a refund of that {$410.00} because it was completely misleading.
08/29/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 95747
Web Older American
This is still a dispute with the First National Bank of Omaha XXXX XXXX. A police report and FBI complaint are on filed for the fraud committed by this fraudulent company. XXXX XXXX XXXX do not owe First National Bank any money. It had all been paid off. Please stop First National Bank of Omaha XXXX XXXX from calling and sending notice on collection. This is a fraud scam that I fell on. It is a fraud company offering fraud employment. Its been more than six months and this dispute of identity theft and fraud had not been resolved. XXXX XXXX XXXX 's money was stolen and gifts cards was stolen after the bar code where given to them. Payments were reversed either by the bank or the crooks. XXXX XXXX XXXX did not give out any of her credit card account numbers. Therefore, its either a data breach or the credit card company inside jobs inducing debts on its customer with a ploy. This is a total fraud scam and a crime induced upon XXXX XXXX XXXX. XXXX XXXX Bank Fraud department can be investigated on the company account. That XXXX XXXX Account is not XXXX XXXX XXXX account. It is most probably a fraud account created by fraudulent scammer.
10/07/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • GA
  • 30350
Web
FNBO Beware. I opened the credit card account after being marketed by FNBO/XXXX XXXX endlessly following the recent purchase of our 2019 XXXX. After 6 months of not using the card, I made a few purchases and kept my utilization around 30 % of my {$8500.00} limit. I logged into their system and created an auto payment ( direct debit ) from my checking account ( XXXX XXXX ). FNBO charged me a late payment fee and a bad payment fee {$26.00} and {$35.00} respectfully. I called and they found an extra duplicative digit in the checking account number. They reversed one fee and left the second. FNBO then triggered a reduction in my credit limit resulting in a reportable event to the credit bureaus show I had suddenly utilized 94 % of the current balance, causing a cascading effect on my FICO scores. No one on the call stated this simple typo error would cause so much impact. I sent them a payoff for the total due today and never want to be their customer again. FNBO is acting predatory to cardholders. They are impacting a lot of consumers with much less means than i am fortunate enough to have. FNBO is charging fees for their own systems failings.
04/03/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • CA
  • 94089
Web
On XX/XX/XXXX, a credit from a flight was posted on my credit card account - {$45.00}. I could not understand where this credit was coming from therefore I contacted First National Bank to inquire about it. I was assured it was coming from the merchant. I contacted the merchant to make sure the flight hadn't been cancelled and the merchant assured me they did not issue any credits. The type of credit card product I have with XXXX is a travel credit card that includes a {$100.00} travel credit for travel incidentals. I inquired with the bank if the credit could be from those funds and I was told by XXXX that the XXXX XXXX XXXX ( XXXX ) did not match a transaction that would trigger those credits. Later in the year, when I complained as to why the credits were not being posted on the account, I was told by the bank that the {$45.00} was actually from the previously mentioned pool of credits and that all the allowed {$100.00} were credited on the account. This is completely unacceptable and misleading. On the last correspondence from the bank, XXXX acknowledges bank error and providing misleading information, yet refuses to correct it.
04/23/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NY
  • 11101
Web
I opened a new credit card with First National Bank Of Omaha a few months back. On the first statement, I owed {$1100.00} but mistakenly only paid {$1100.00} ( I shorted them {$19.00} ). On my second statement my purchases came out to {$1100.00} + {$19.00} = {$1100.00} Which was paid in full ( The statement did not show I had owed more ). On my third and most recent statement the credit card company charged me {$77.00} in interest from an unpaid amount of {$19.00} from the first statement but was only made aware of it on the third statement. When I called to see if I can have this waved I was transferred over to a supervisor that was very rude and said that it was a valid charge of {$77.00} on a {$19.00} balance that was paid 20 days late. I had asked her if I could speak to anyone else that can address this or who can I contact to complain and her exact words were " I'm not going to educate you on who to complain to! '' I also asked her for her information so I can name her in this complaint and all she would give me is XXXX XXXX. I had asked her if she can give me her full last name or supervisor ID # and she refused.
04/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48235
Web
Fnbo is violating my rights and reporting in correct information on my credit report. They are reporting late payments for months I have made on time payments on. I am in the forbearance program and was told my account would me listed current paid as agreed not late as I am paying now and the money is being withdrawn from my checking accounts. This company lied from the time I enrolled in the program and told me my credit report would be update and current with no lates now they are reporting XXXX XXXX and XXXX late but I have been on time. This is violation to report incorrect information to the credit report agencies. I enrolled in the program in XXXX the letter clear states previously reported delinquency these delinquency that they are reporting are current new delinquency after I enrolled in the program which is not what the contract states. They are not following the details of the hardship program which is against the law they enrolled me in a program and taking my money monthly to still report inaccurate information harming my credit..they are also reporting different months on all different credit reports
06/18/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 96114
Web
I made a payment to XXXX Visa credit card ( XXXX XXXX XXXX. XXXX XXXX XXXX, NE XXXX ) in the amount of {$2500.00} utilizing XXXX XXXX, check # XXXX. check was written on XX/XX/2020 to FNB OMAHA XXXX XXXX XXXX NE XXXXand cashed on XX/XX/2020. This amount was NOT credited to my XXXX Visa account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. A copy of this cashed check ( front and back ) was faxed to XXXX Visa FAX # XXXX on XXXX and AGAIN on XXXX. I called XXXX Visa on XXXX and XXXX and tried to talk to a supervisor or the accounting Department and was denied. At this time I'm being charged interest on the {$2500.00} and was informed this would not happen when I spoke with a XXXX Visa represetitive on XXXX My XXXX Visa Acount is under the name XXXX XXXX XXXX XXXX may have put my name as XXXX XXXX XXXX Visa was told about this but XXXX XXXX had all of my account iformation correct, they have cashed the check and will not credit my account, I re-financed my house to pay off this credit card and several other things so that $ $ $ was meant to pay off the card. PLEASE HELP XXXX XXXX
11/04/2016 Yes
  • Credit card
  • Cash advance fee
  • CA
  • 92856
Web
I have been a member of XXXX bank for many years but this year 2016 I had obtained a cash advance in the amount of {$10000.00} from the union bank on XX/XX/ XX/XX/2016 with 5.99 % interest rate as a promotion. At that time XXXX bank was using The first bank Card services and I had always made the monthly payment on time and never late. Starting XX/XX/XXXX, I received a phone call that the payment was never received and charged late fee which was post it in XX/XX/2016, after I had made the payment and received a confirmation number?? My account was transferred back to XXXX bank with a new visa card and I was being charged 14.99 % interest rate since XX/XX/XXXX. When I called to inquire about the increase interest rate, I was told because my account now was with XXXX Bank?? it seemed rather strange that my account had always been with the XXXX bank. The monthly statement reflected 5.99 % rate and still my payment showed I am responsible for 14.99 % according to the XXXX Bank representatives? many phone calls and hours and hours of being placed on hold have not resolved the issue and the discrepancy?
05/20/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • VA
  • 23503
Web Servicemember
I applied to First Bankcard XXXX, XXXX for a XXXX visa card XXXX credit cards on XXXX and XXXX XXXX 2017 since I like ordering products from those websites. Receive an email stating they may need to verify my identity. I contacted the above bank and had them verify my identity. I was told I was declined for both cards several days later and that I would receive an letter stating both applications were declined. I received the decision letter between XXXX XXXX, 2017. One letter stated I was denied credit while the other application stated unable to verify identity. I was told once again on phone both applications were denied for too many applications. I assume the representative was rushing to get me off phone instead of trying to help me. If both applications were denied because excessive inquiries then both letters should of stated this information. I am therefore filing complaints because this just is n't right! I will be forced to file additional complaints since this bank being too difficult to get a card with. I do n't feel this bank cared enough to help me. I was just another application to them!
10/06/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CA
  • 92109
Web Older American
I filed my second CFPB complaint # XXXX on XXXX21. This complaint is to update that filing. The company First National Bank of Omaha had responded to my first CFPB complaint that I was previoulsy informed re closing my account. However they did not begin to explain to me that even if I paid all my past due payments caused by the economic problems created by the Covid pandemic and become current with my account, that my credit card account would still remain closed. I am presently current on my account payments. Prior to the Covid pamdemic I had a perfect payment history. FNBO also detailed that I had the option to reapply for another card to create an active credit card account. No such option exists in reality! I went online today XXXX21 to www.fnbomaha.com and applied for a new card. I was told that I was not eligible for a card and a letter will be sent to me in ten days detailing why. If this new card is not an option for me, it means that have to continue to make my monthly payment without the rights and priviledges of owning this credit card. This is grossly unfair and prejudicial to me.
12/22/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • SC
  • 29118
Web
On XXXX XXXX, XXXX XXXX, XXXX served me with a Summons for Civil Case Number XXXX, In Magistrate 's Court dated XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , South Carolina XXXX ( XXXX ) XXXX ( XXXX ) XXXX I live in XXXX, South Carolina which was declared a disaster area in XXXX and XXXX, in the complaint plaintiffs states " Defendant used the account to and/or authorized to use of account to obtain cash advances and/or make purchases and/transfer balances from other accounts '' I was never authorized to use the account, obtained cash advances, or transferred balances from other accounts by the Plaintiff XXXX XXXX XXXX. I contacted Frist National Bank XXXX Omaha to make arrangements to pay the account and A representative stated they could not help me. On XXXX XXXX, XXXX Attorney XXXX filed summons XXXX, which is my daughter birthday and the same day President XXXX, I think this is unfair business practices and harassment, therefore I am requesting an investigation into Attorney XXXX, XXXX, XXXX, and XXXX XXXX XXXX business practices. I
04/16/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IL
  • 60623
Web
On XX/XX/2019 I received an email alert from XXXX XXXX notifying me that XXXX XXXX XXXX had charged my credit card for an UNAUTHORIZED amount of {$200.00}. But when I called XXXX XXXX ( the issuer of the credit card ) to inform them that this was a fraudulent charge, and that XXXX XXXX XXXX was stealing my money. They told me I had to contact XXXX XXXX XXXX and request a refund or wait until the charge actually post to my account and then file a dispute. WHAT? So in other words they told me I had to first wait until XXXX XXXX pay the thieves, then I had to call and ask the thieves for my money back. And if the thieves didnt give my money back, I had to contact XXXX XXXX a second time and dispute the stealing. This is absolutely terrible and totally unacceptable. How can a bank or any other company create a procedure like this? Whats the purpose of receiving alerts about fraudulent activity on my account if the bank much first pay off the transaction before I can dispute the fraud. The Consumer Financial Protection Bureau must make banks change their policies in order to better protect consumers.
04/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32258
Web
I found out that there was a fraudulent account opened in my name through XXXXXXXX XXXX XXXX on XX/XX/2020 in the amount of {$8200.00}. This account was not opened by me and I did not make any of the purchases. My spouse opened several credit cards in my name amounting to debt of {$21000.00}. When I discovered these accounts I called each credit card company and also filed a police report. I have been trying to get this resolved with XXXX Bank since last XXXX and I keep getting the run around from this company. My credit score has dropped almost XXXX points because this account is showing delinquent on my credit report. Once I filed for divorce XXXX XXXX stopped paying for the credit cards he opened without my knowledge. XXXX is not addressing the problem or investigating the problem and it is ruining my credit. I have given them the police report details and everything I know regarding the identity theft, I am not sure what else to do every time I call I am on hold for 30 mins to an hour and transferred to various departments, but never get a straight answer or any real help with the matter.
10/23/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63301
Web Older American, Servicemember
Received a letter from Collection Department ( XXXX ) XXXX, XXXX XXXX XXXX : Account Number XXXX Current Balance {$120.00} Payment Due {$35.00} Dear XXXX XXXX We are writing you about your monthly credit card Payment Goes on to say its past due, phone XXXX to talk about payment First Bankcard I do not owe this. I have never had a First Bankcard. I called the REAL First National Bank of Omaha Bankcard They have no record of this account XXXX They have no XXXX XXXX XXXX They have no phone number XXXX They thanked me for bringing this scam to their attention I imagine some scammer sent out thousands of letters like this figuring since its a small amount a lot of people would just go ahead and pay it The real FirstBankcard said to ignore this I am reporting it to the FTC So you can be aware of it and possibly find out who is sending these scam letters out Many people may fall for it There are new scams all the time This is a new one for me I have no overdue credit cards & a high credit score so I knew right away it was a scam The real phone number for the real First National Bank of Omaha is XXXX
06/27/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IL
  • 62002
Web
When I opened my account, it was through a rewards program with XXXX - Immediately after the bank decided to close the account ( without notifying me ) all of the accumulated rewards were deleted on the XXXX website. I consider this to be a breach of contract. Eventually, XXXX was able to recover the account that was removed when the credit card account was, but not before the loss of earned points. After this, I also started to have problems with making payments. I go to make a payment online, and their system says : " MAKE PAYMENTS Error Unfortunately, we are experiencing technical difficulties at this time. We apologize for any inconvenience this may cause you. Please try to access the site again later or call Customer Service for assistance. '' And, miraculously, there are no problems paying AFTER the payment is late and they have charged me a late fee. I neglected to print every occurrence of this error, but I have proof at least that on XX/XX/2019 I attempted to make a payment prior to the due date of XX/XX/2019, and was prevented from doing so in this way, resulting in a late fee.
08/04/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • PA
  • 18407
Web
I've Applied for A XXXX XXXX XXXX Credit Card several times each time I apply it comes bank Elements Associated with fraud the past three application i called the number listed and asked for reconsideration. Each reconsideration Came bank with the same denial. On or around XX/XX/XXXX XXXX I called and recieved the only denial being Indentifying Information does not verify. Please verify my information with the documents Attached And do a investigation on why your system keeps denying my application and reconsider my application. I have a perfect credit score and believe I qualify for A Credit card please also include The resolution to your investigation and if the problem was resolved and when I can recieve my card or reapply if the reconsideration is unsuccessful with the Credit Report and Information already on hand. I do not approve or don't consent to another inquiry on my credit report unless First bank card can utilize a soft inquiry instead of a hard inquiry as first bank card has my infor.ation less then 30 days old as the date of this complaint. Sincerley, XXXX XXXX XXXX
10/05/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92124
Web
Car rental company misrepresented terms and conditions of the car rental process and even with what the company says is not being done : email outlining how to use partial credit received upon cancellation not received ; the credit not posted to the account ... not to mention that the credit was limited to certain type of rental that wasn't outlined in the rental agreement. I filed the dispute with XXXX. I did not get anything in the mail from XXXX yet but the dispute was closed in favor of the merchant despite providing proof that the agreement was violated by the car rental company and no credit received. In email received from XXXX, first told XXXX can't control how the credit being used and ask me to contact the company by phone to figure out why the credit not posted to my account. I disagree with XXXX position as feel they dropped the ball and let me take the hit. I have disputed the charge as services not rendered and since the rental never finalized and I have never received any type of credit from the car rental, the XXXX should have reversed the charge
07/03/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • HI
  • 96733
Web
I was charged {$4900.00} on XX/XX/XXXX by XXXX, XXXX. In my dealings with this company I did not receive any services. The company was an absolute scam and will not respond back to any email/calls. Also have been shutdown by the FTC. XXXX XXXX agreed to settle FTC charges that it helped deceive consumers with false claims that they could earn six figures within 90 days. The defendant in the case, XXXX XXXX, allegedly helped operate the coaching scheme, which did business under the name XXXX XXXX. The final order bans XXXX from selling business coaching programs and investment opportunities. In addition to the false claims about how much money people could earn, XXXX XXXX falsely promised to provide individualized coaching from successful marketers, who in fact were just salespeople selling costlier membership levels, according to the FTC. The FTC alleges that most people never earned the promised income and that consumers lost tens of millions of dollars to the scheme, including some individuals who lost more than {$50000.00}. Update as of XX/XX/XXXX XXXX XXXX XXXX
11/28/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 76084
Web
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.
10/09/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MD
  • 20817
Web
I received a credit through XXXX on a hotel in XXXX which I booked for months ago and paid my visa bill in full for it. My recent visa bill shows XXXX due and a credit of {$990.00}. My bill is due on the XXXX of each month and I pay each month in FULL the entire bill. I have had this card for many years through XXXX Visa. I requested a refund for my credit on XX/XX/18 and was told it mailed out on XX/XX/18. I called re : the check on XX/XX/18 and was told they were holding my refund against purchases made AFTER the closing date on which the payment is not due again until XX/XX/2018.I am current and my bill clearly states XXXX payment due until XX/XX/2018. In essence they are holding my money as a DEBIT card transaction instead of a CREDIT card where payment is not even due until XX/XX/XXXX. If my payment was late, I would be assessed interest and a late charge, but they can hold my credit in advance of any payment due and not pay me interest. I find this fraudulent, my credit card is being treated as a debit card and they REFUSE to send me a refund of my credit.
02/06/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • TX
  • 77391
Web
A credit card was issued to me by First Bankcard for XXXX an online retail chain. Just three days after receiving the card, it was closed by First Bankcard. The card was never allowed charges because the company called me and said it needed to check for fraud and go into my local bank and show all my ID 's documents. A red flag came up because that was not the agreement of the card being issued in the first place. The cards were cut up and returned to the company, but they have charged {$1400.00} to me and refuse to take the charges off, keep putting late fees on the account, and charging interest to unauthorized/undocumented charges, in my name ; despite my writing the president, XXXX XXXX XXXX, and all the Bank Directors/CEO 's about this problem. I am XXXX years old and I can not bear the pressure this company is putting me through. They never let me charge XXXX item, nor have they paid for one item on this fraudulent account, they opened and closed in three days. Please help me and others like me who has been betrayed by First Bankcard of XXXX, NE.
04/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85193
Web
i have paid First bank of omaha over {$1700.00} over a month and a half ago on XX/XX/21 paying off the balance and they have not reported the drop in balance keeping my credit score lower than it should, i paid, on the same date XX/XX/21 i paid over {$2000.00} dollars on XXXX XXXX XXXX and they also refuse to report the drop in balance keeping my credit score lower then in should be, i also paid off every balance on all 4 XXXX XXXXXXXX credit cards includeing XXXX XXXXXXXX and they have refused to report the drop in balance, also on XXXX XXXXXXXX XXXX payed balance in full and NO REPORT in balance drop ALL these cards in question have reported according to XXXX and XXXX XXXX and all show balance when there are none! ... .i have contacted them all on 2 occasions each with no update with accurate account balances keeping my credit score low ... and you should note i am XXXX XXXX and feel i am being XXXX against to deliberatly keep my credit lower then it should be ... i hsvnt missed or had a late payment on ANYTHING in over 5 years ... .please help me
08/10/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • CA
  • 91505
Web Servicemember
I have a XXXX XXXX Card with First National Bank of Omaha which is serviced through XXXX XXXX. The XXXX XXXX credit card has a travel benefit that reimburses {$100.00} for Global Entry ( a program that helps passengers get through airport immigration more quickly ) and {$100.00} for discretionary airline spending ( airline upgrades, food, airport lounges, itinerary changes ). On XX/XX/XXXX I paid {$100.00} for Global Entry and after MANY customer service calls to First National and XXXX XXXX I have yet to receive my {$100.00} credit. The last customer representative I spoke to was XXXX with XXXX XXXX and he informed me that I would get the credit " soon ''. This call was made XX/XX/XXXX. On XX/XX/XXXX I paid for an intinary change for {$410.00} and expected to be reimbursed {$100.00} for discretionary airline spending. The story is the same, after many calls to customer service on both ends I still have not received a dime. I hope I have provided enough information. Thank you very much for your help and your continued service. Please have a good day!
06/25/2015 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • CO
  • 80202
Web
I received a phone call from an unknown number on XX/XX/XXXX saying that I was being served of a court order due to unpaid debt from XXXX in XX/XX/XXXX and that I need to call the number ASAP ( XXXX ) XXXX, however, I have never heard of this before or recevied any letter. They told me I need to pay the debt ASAP or I am being served to go to court. However, when I looked at court orders in XXXX or XXXX, I did not find a record. I call the next day to look into what I can do as a consumer, I asked for contact information and professional license number. They provided me with the contact information but not the professional license number as they said they will not provide this. Additionally, I asked if I can get a written description of what I owe, e.g., agreement of credit, information of the credit and what I owe and they said I will never get XXXX as they have bought the debt from another company. The company name is XXXX XXXX XXXXXXXX Contact Information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. Phone number : XXXX XXXX XXXX XXXX.
04/06/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • CA
  • 92809
Web
When I received a statement in the mail from First National Bank of Omaha, I believed I made payment in full. I made a full payment of {$1400.00} before the due date in XX/XX/2018. According to the terms, if I make full payment there should be no accruing interest in the next months billing period because there is no balance forward to charge additional interest. On XX/XX/2018, I called them and spoke with XXXX. He told me that Frist National Bank of Omaha may charge the interest because of how it reads on the back of my statement. I disagreed and asked to speak with his supervisor. Supervisor, XXXX got on the phone and supported XXXX statement. There is a section of HOW TO AVOID PAYING INTEREST ON PURCHASES. I meet this criteria. However, XXXX and XXXX only cared to listen to how they may charge me and not that I paid the balance in full and I met this criteria. Can credit card companies and/or financial institutions charge future interest on a XXXX balance or a balance in the past when you have made full payment before the due date?
04/22/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • IN
  • 46236
Web
I received a letter from from First Bankcard C/O First National Bank of Omaha stating that they had decreased the credit limit on my account DURING the National COVID-19 Pandemic. The change was made prior to any communication or notice period to me. The change has negatively impacted my credit score which in turn could potentially create undue financial hardship. As a consumer, I am appalled that while other financial organizations are trying to help consumers - First Bankcard is harming its consumers. The letter stated that they pulled my credit report. They did not have permission to do so. The account has been paid as agreed since it was opened. Never one late payment. The account has been paid off 2-3 times during the same timeframe. All payments have been above the minimum payment. I believe they limited my credit line because I was not utilizing the credit. Now - because they decreased the credit line to the exact, current balance - it shows as if I am maxed out on the account when it fact, they manufactured this result.
02/13/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 44060
Web
On XX/XX/XXXX I purchased a letter writing service from XXXX. I received little communication from the company. On XX/XX/XXXX I requested a refund. On XX/XX/XXXX I received a response from XXXX the owner stating " sure, no problem ''. I have consistently tried to contact the company who has now taken down their main website stating that they are no longer receiving new customers. Over the months until XX/XX/XXXX I have requested my funds be returned to my credit card. At which point I finally told the company that I was going to contact my credit card company and dispute the charges. Now my credit card company is penalizing me for trying to work this out with the company by saying that the purchase was too long ago and I can not dispute it. This charge is for {$490.00}. I do not have that kind of money to just throw around! The company still hasn't responded and there is no one looking out for me here. I have saved most of the email correspondence between myself and the company which my credit card company never even asked to see.
07/21/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • GA
  • 30308
Web
On XX/XX/2019, I completed a Balance Transfer request with First Bankcard for {$850.00}. The offer was for 6.99 % fixed APR and a transfer fee of the greater of {$10.00} or 1 % of the balance. On XX/XX/2019, they provided a statement to me indicating that I had been charged the {$10.00} fee and {$1.00} for the minimum interest charge. Additionally, the statement indicated that I still had AutoPay on to pay the full statement balance. At some point after the statement was released, but prior to a week before the AutoPay was supposed to happen on XX/XX/2019, I changed my AutoPay selection to pay the minimum payment instead. I believe that this was done immediately after seeing the statement, but I did not receive any confirmation when I changed the AutoPay option. However, on XX/XX/2019, my checking account was still debited for the full statement balance. I contacted First Bankcard on XX/XX/2019 after I noticed the full statement balance had been incorrectly debited from my account. They were not able to resolve my complaint.
05/20/2015 Yes
  • Credit card
  • Other fee
  • TX
  • 78227
Web
I had been a client of First National bank of Omaha since the early XXXX. I just recently noticed they charged me an annual fee of XXXX which I never agreed to. I sent them an e-mail asking why and when had this started because when I applied for the card it had none. The response it happened in XXXX because of the card upgrade that took place. I do n't recall approving them to upgrade or even requested for an upgrade. The credit line with them had even reached up to XXXX but I requested to bring it down about 8 years ago. What is bad they have been charging me this fee and apply it to a XXXX percent interest rate, I only use the card only when promo of lower rates are offered. At this rate nobody would be able to pay them down. They agreed to reverse XXXX fee if I agreed to close my account. I have but I want to request all other fees in the past be reversed to include that high interest rate being charged on them. The question how much have I lost. I calculated an estimate of interest on the ann. fees being charged.
03/02/2016 Yes
  • Credit card
  • Other
  • FL
  • 33484
Web Older American
on or about XX/XX/XXXX XX/XX/2015 we apply for a fnb credit card with this bank and after put my my credit score was XXXX over the average. which is excellent credit. and was the denial. so we apply for there business credit for the business that we owe with good credit. we was denial again. so we file a company with the consumer financial on or about XX/XX/2015. in the bank response they never addressee the issue .denial base on excessive credit report inquire. in there reponse they said no social security number and that statement is untrue. she said with this small business product requires a personal guarantee we was never offered the guarantee and that was unfair. we would sign a personal guarantee, if it was offered to us. but it was not. we are still denial your approve of the product base on the fact excessive inquire which is not a base. we as a XXXX XXXX and a XXXX owen with excellent credit. never late no miss payment always pay on time .I believe it was unfair to denial the business card for the company.
10/06/2015 Yes
  • Credit card
  • Other
  • MA
  • 01886
Web
This complaint is in regards to my First Bankcard Account through Omaha Bank. I make automatic monthly payments through my bank electronically. XXXX XXXX I was notified that my account was closed by the grantor for late payments and being over my balance. I made payments every month, however due to the company 's billing cycle dates they recieved one paymetn 2 days early making it look like I made2 payments in one month and none the next. I was assessed late payment charges and interest which brought my balance over my limit. I called the bank and called to their attention the fact that I made payments every month with one month being 2 days early and requested them to have the account reinstated since I HAD NO LATE PAYMENTS. I got no satisfaction. This has damaged my credit rating because it is reporting a late payment and that the grantor closed the account making it drop XXXX points. I requested that my account be reinstated and the reporting to the credit agency to be corrected which the bank is refusing to do.
11/08/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78759
Web
I filed a CFPB compliant ( XXXX ) against First National Bank of Omaha ( FNBO ) and also contacted their CEO regarding this issue. They responded that they followed the Fair Credit Reporting Act ( FCRA ) see the attached, as much as I love placating form letters and voicemails to Office of the President that don't get returned. I have some follow-up questions for 'XXXX XXXX ', because I don't believe it's been applied correctly in the past. I request the 2 following pieces of information 1 ) If this latest dispute was correctly reported according to FCRA, why was my 2017 dispute against XXXX not reported on my credit report? 2 ) According to FNBO the comment on my credit report is not displaying for institutional reports ( e.g. lender reports ), but is displaying on the consumer facing report. XXXX says that it's a matter for FNBO because they are the creditor that is reporting this information. Why is it display on the consumer facing report, but not on institutional reports ( e.g. credit card company inquires )?
11/01/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • NE
  • 68123
Web
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.
04/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 44507
Web
NOTE : This is a CHALLENGE as I am NOT DISPUTING. I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. The items attached are non-compliant as per the FCRA and CROA requirements!
10/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78759
Web
I disputed a vendor charge with my credit card company First National Bank of Omaha ( FNOB ) in XX/XX/XXXX. The issue was resolved quickly before the next billing cycle, however FNOB erroneously posted a comment on my credit report, I contacted them they said they would remove the comment. They then claimed they did, I ordered my credit report from XXXX via the annual credit report process. The remark is still on my credit report, I called FNOB they said it shouldn't be and suggest I file a compliant with XXXX to get it investigated. XXXX did not make the changes, because they did not receive documentation from FNOB regarding this issue. I'm done messing around with this, I'm filing CFPB complaints against both companies and on Monday, XX/XX/XXXX I'm going to start looking for leaders of both XXXX and FNOB on XXXX over this issue. I also obtained the email address of FNOB 's CEO who I'm going to reach out too about how this was handled. I want this inaccuracy corrected on my credit report from all 3 bureaus.
04/25/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 91201
Web
My XXXX Master Card with First National Bank, account number XXXX was lost or stolen and incurred charges totaling to {$35000.00} statement with due date on XX/XX/2019 Last statement they sent is totaling to {$35000.00} I've contacted the bank with phone number XXXX, spoke to customer service rep named XXXX and reported the fraud on XX/XX/2019. I clearly stated that I personally I have nothing to do with any of charges posted on that card. Today XX/XX/2019 I received letter stating that my claim was denied based on the matter that I personally called and confirmed transactions from my phone. They provided me with new number XXXX then XXXX XXXX for additional assistance. At the time of the claim opening I specifically stated that I never called and confirmed any of the charges. I contacted my phone company to find out if technology used today can give access to someone else 's phone without their knowledge and was confirmed that it is unfortunately a possibility. I am clearly a victim of identity fraud.
11/29/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • IL
  • 62707
Web Older American
On XX/XX/XXXX & XX/XX/XXXX I used my Visa credit card to purchase {$10.00} in Illinois lottery tickets ( {$20.00} total ). On XX/XX/XXXX I reviewed my account purchase details and noted that I was charged a {$15.00} fee on each date I purchased lottery tickets as a cash advance fee ( {$30.00} total ). I contacted First National Bank of Omaha to inquire about the charges and was told by a Supervisor XXXX XXXX XXXX that lottery is considered gambling and therefore, it was a cash advance against my card on each occasion with a minimum fee of {$15.00}. I was unaware that Id be charged a cash advance fee albeit a fee greater than my purchase, but moreover the credit funds were never placed in my hands and were used to purchase non-refundable lottery tickets directly from the State of Illinois. The Supervisor would not reverse the charges. I feel this practice is discriminatory, unfair and an attempt to force the public to adhere to a moral mandate against a lawful retail purchase. Thank you XXXX XXXX XXXX
05/14/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CO
  • 80205
Web
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for FIRST NATIONAL BANK OMAHA credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called FIRST NATIONAL BANK OMAHA XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
07/26/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • GA
  • 30349
Web
I closed my account after only about a year in XXXX XXXX after having my credit limit lowered twice in the past several months ( I was declined for a medical payment I was making when I logged on and found out my credit limit was lowered ). In early XXXX I completed the autopay enrollment process to pay off my balance on this account with continued monthly installments. On XXXX I received a bill with a higher than normal minimum payment and when I logged on I see my pmt is past due. The company did not process my autopay for my XXXX pmt and hit me with a late fee. When I called I was told it would take a billing cycle for the auto pay to kick in and I should have received a disclaimer telling me this. It did not. I have a screen shot of my enrollment due to previous issues with this company 's online account features related to payments and bank accounts associated for payment. So now, for the at least the second time I have been charged fees due the company 's less than adequate online payment system.
06/18/2015 Yes
  • Mortgage
  • VA mortgage
  • Settlement process and costs
  • NE
  • 68104
Web
As a new home buyer trying to purchase a XXXX ( Seller ) through First National Bank of Omaha ( Lender ). Neither Seller/Lender communicated clearly what need to be done to locking in a interest rate. In addition, It appeared that Lender intentionally delayed the loan approval process to go beyond the XXXX day lock in period. I had just recently been approved by the Lender for a mortgage that fell through because of the appraisal, but they continued to come up with reasons for delaying the new loan request. Also, between loans they where inconsistent on how to lock in the interest rate. The XXXX loan was through a form, the new loan with Seller needed to be locked in via email. Now due to my contract with Seller, I have no options to protect myself from this Lender and have to continue the process no matter what the Lender decides to do, even at closing. Of course, I 'm sure the Lender was completely aware of this when I tried to dispute my case with upper management for a reasonable resolution.
05/19/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • PA
  • 16360
Web
XXXX XXXX XXXX cut avabile credit XXXX, after I paid card off and used it for a month on XXXX limit was XXXX now XXXX I put XXXX through it today I get email notice that I'm {$60.00}. over the limit just made a XXXX payment on Monday, called them she said check credit report on XXXX XXXX it shows XXXX and has been going up they show XXXX and has for the pas few months, it seam that this is just an attempt to keep the debt ratio high, XXXX has done the same as the balance gets paid off the limit is lowered to maintain the same high debt ratio, this needs to be investigated, im sure ill get charged for a over the limit fee even though the lowered it with no notice XXXX at least sent a notice. if this would have happened before I completely paid the card off I would not think any thing of it funny I have a limit of XXXX now they shoe a balance of XXXX and say im over the limit paid another XXXX today, also what's with taking 5 to 7 days so show cred it out of my account the same day just XXXX
01/25/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WI
  • 54956
Web
I went to buy a used truck from a local car dealership to get a better used truck since I had a stable job and had a good credit score ( 9 months prior to XXXX 2015 it was around 750 ). I had no thoughts that I wouldnt be leaving that day with the same one I had rode in with but thats what happened..the financial guy came out and asked me about some delinquent credit cards on my report to which I had no idea about. Turns out there were 4 fraudulent cards made in my name and I had no idea about any of them. Within the next few days I had my SSN froze, a police report filed at the local police station and at least 20 different disputes over the last few years with multiple credit bureaus/creditors stating that it was identity theft and slander but XXXX XXXX is refusing to remove it. They have made no effort to resolve said issues and I have made more than enough of the effort. All of the other accounts that werent mine have recognized the fraudulent activity and removed the accounts immediately.
05/03/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75134
Web Servicemember
My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company FNB OHAMA was notified in XXXX that I have not done business with them or opened an account. The account was removed and now in XXXX anew account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : Fnb Omaha - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.
07/28/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • TX
  • 75134
Web
Hi requested a new credit card to my address XXXX XXXX XXXX XXXX XXXX Texas XXXX and I never received my credit card and it was send back to the sender by the US postal service and I never requested that and the bank told me that I would have to go on another credit review if I get another card sent to me with a new card number and I explain to the bank I never requested for a address to be forwarded it must be a mistake with the US postal service and my brother was recently moved and he must use my name to change the address without my permission and its fraud if that true and Im asking for first National Bank of Omaha to resend me that credit card with the same account number to my address ... my original credit card was stolen along with my wallet and my wallet was recover by the police department of XXXX XXXX and Ive been going through too much already such as losing access to my XXXX and not receiving any verification codes to my phone and getting all my cards reissued to me
06/14/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • MO
  • 64030
Web
After I complained about XXXX the next day I received a call from XXXX who lied and said the bank was out of mo why because of me and told me things that were discriminatory in nature. I had XXXX report her to manager. Government orders First National to pay more than {$35.00} XXXX - remember this? First National Bank of Omaha will pay more than {$35.00} XXXX in restitution and fines for deceptive marketing practices and illegal billing of add-on products. The bank, the largest in Nebraska with {$18.00} XXXX in assets, agreed to consent orders levied by the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency, which were made public Thursday. The bank will pay a {$3.00} XXXX civil penalty to the OCC, a {$4.00} XXXX civil penalty to the CFPB and nearly {$27.00} XXXX in restitution to roughly 257,000 customers. Or this CFPB Orders First National Bank of Omaha to Pay {$32.00} XXXX for Illegal Credit Card Practices XXXX XXXX XXXX XXXX XXXX XXXX
02/06/2016 Yes
  • Credit card
  • Sale of account
  • AZ
  • 85282
Web
After being the authorized user on a credit card with First National Bank of Omaha, they transferred my account to XXXX. After transferring the account, they never updated any information on my credit report. I submitted a formal request to have the information updated, and they received the certified letter on XXXX/XXXX/2015. Since then, I have heard nothing. After calling their customer service center requesting a document that showed that the account was transferred, I was told there was nothing that their company could do as they no longer had information on the account, despite the representative being aware and having knowledge of the accounts being transferred to XXXX. It is intolerable that over 30 days later I have received no information or updates from them, and that their customer service representatives know of the transfer but their reporting and collections department have not done their due diligence in reporting correct information to the credit reporting agencies.
02/15/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • GA
  • 30165
Web Servicemember
Everytime I try to login online to pay I can not and relieve a message to call the company. The credit card company is Frst National Bank of Omaha and the last time I called them I was told this was resolved. As soon as I get ready to pay again the same thing happens. To make matters worse they leave you on hold forever. By forever I mean over an hour. I don't have much free time as I work so holding for extended periods is unrealistic. The phone number is only good during the day in business hours. I do not recieve a bill by mail as I have paperless billing and even if I did I don't have checks. All my other credit cards that are easy to log into and get in touch with by phone are on time and have never been late. This card keeps getting charged late fees even though they are making it difficult for me to pay them on purpose. I feel as if they've made it difficult to pay to incur more money in late fees. I especially feel this way since I was told it would be fixed and it is not.
01/14/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MO
  • 63109
Web
Back in XXXX of 2011 I lost my wallet with all my personal information in it, as a result several credit accounts ware open in my name, I filed a police report and notified all the companies involved, most of the companies took care of the theft appropriately but a few companies responded that the debt was valid after they investigated the account, I then wrote the company back asking them how they came up with this outcome, because i was Curious On how they could say this when I know I didnt apply or open this particular fraudulent account, I never received a response from any of these companies ever again and they continue to ruin my credit as a result, this is extremely unfair and Im at a point to where I dont know what else to do to get these companies to comply with or work with me in any way or fashion. I have also had close family members open accounts in my name that I have disputed and the companies will not assist me in fixing the issue. I dont know what else to do!
03/04/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account terms
  • AL
  • 36609
Web Servicemember
On my credit report the creditors that are reporting late payments have been submitted under the freedom debt relief program. The companies are continuing to report negatively when they know they have been contacted by this company for a debt settlement. If you would look at my credit report before the program which I started in XXXX, my credit for paying bills on time was 99 %. The creditors have also been contacted not to call me and but they continue to do so anyway. So my problem is very difficult for me when I have always paid on time but to see my credit score drop drastically as like it has is devestating. It 's an unfair practice for creditors to continue negative reporting when they know the circumstances of the consumer. It 's like they are trying their best to sabotage a consumer 's credit history. It should be something done so that they would not to continue to report negative reports when they know the consumer has contacted them concerning debt relief.
04/13/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 92117
Web
at the day XX/XX/2020 someone purchased gas on XXXX gas station XXXX in amount {$58.00} on day XX/XX/2020 also purchase in XXXX # XXXX XXXX XXXX AZ in amount {$950.00} Both those purchases I didn't made because I am located in XXXX XXXX and I never moved from XXXX XXXX or even travel over the country. I noticed those purchases on my credit card online banking and I called credit card company First National Bank of Omaha, immediately I have seen those fraud /charges. They told me that they will do investigation and send to me new card. They did send me new card and in same time fraud department send me denial letter signed by XXXX XXXX ( XXXX ) XXXX I called back and spoke with XXXX regards my claim denial. He was very rood and unprofessional and said that ether me or someone else from my household used card. That is not true all my purchases was in XXXX XXXX, actually only one XXXX XXXX XXXX in XXXX XXXX in amount {$33.00} and I paid that amount
04/12/2017 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • MO
  • 64105
Web
In XX/XX/XXXX, I applied for and received a credit line for a company that I was employed by The company used the credit line after I left the company in XX/XX/XXXX. In XX/XX/XXXX, the company requested that I be removed from the account altogether and that another individual be added in my place. The company made this request in writing, pursuant to the instructions that accompanied the credit application. The bank did not remove me from the account, but did increase the companies credit limit in XX/XX/XXXX, using my credit score, and once the company started to miss payments, has pursued me personally for 100 % of the corporations debt, though they have written confirmation that I was not an employee of the company and that the company requested to remove me from the account in XX/XX/XXXX. I should have been removed from that account, and that account should have been closed, or remained open with the other individual 's credentials, not mine.
06/17/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Credit decision / Underwriting
  • KS
  • 66062
Web
On XXXX/XXXX/2016, I called First National 's automated system to check my available credit. It stated it was about {$330.00}. My statement also confirms this, Specifically, it states {$350.00} is available. Therefore, I paid {$300.00} on a credit card that I used to pay for an air conditioning repair. On XXXX/XXXX/2016, I received a letter in the mail from First National stating the check was returned for {$300.00} ; Moreover, they charged a {$33.00} NSF fee. When I called their automated system, it stated the balance is now {$8700.00}. So there is money that is unaccounted for on the account that has recently come through that they never informed me about through the mail or through their online system. Moreover, the {$300.00} paid to the credit card company is the only recent transaction completed by me on this account since about XX/XX/XXXX. They never should have returned this check and they should given the correct balance when I called.
02/22/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CT
  • 06255
Web
After not getting anywhere and becoming very stressed out with my business dealings through a company by the name of XXXX XXXX because the venture I had invested in was not going the way they promised. So, after many persistent calls I decided to listen to XXXX XXXX at XXXX, she demonstrated to me what their website creation could do for my business, What they showed me was not only more sophisticated and user friendly but nicer looking than mine. They said all the right things to get me to pay them to build me a better website and promised they were on the up and up and I would make money in 2-4 weeks and help put me in the right track to recover what I had lost with the other companies. Now 3 months later, I still have no working website and of course no money. I have seriously been taken advantage of and lied to by yet again by another internet online fraud. I would like your assistance in getting my money refunded. Thank you.
10/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • MI
  • 48226
Web
Everything happened today on XX/XX/28 I applied for a credit card through XXXX for a XXXX XXXX XXXX XXXX. The application was forwarded to the First National bank of Omaha. This application was denied. However Upon calling said creditor, they said there was absolutely no way they would send a credit report to me. They insisted they can send a denial letter but will not send out a credit report. I informed them of their obligation under the fair credit reporting act that they must send a credit report upon denial and request. They simply declined to send this report. I informed them next that I would file this report to the CFPB and the Nebraska attorney general to which they basically laughed. I spoke with a XXXX who refused to also give out their last name. This started to sound very shady. Their phone number is XXXX and the extension I was given is XXXX for XXXX who wont give out their last name for one reason or another.
05/13/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • IL
  • 60484
Web Older American
THE PROBLEM WITH FIRST NATIONAL BANK OF OMAHA STARTED IN THE MONTH OF XXXX XXXX AFTER MY DIRECT DEPOSIT FROM XXXX THE ALLOTTMENT IN THE AMOUNT OF {$200.00} INTO ACCT NO XXXX ROUTING NO XXXX STARTED OFF AS A NORMAL TRANSACTION BUT THAT WAS SHORT LIVED IN EXACTLY 24 DAYS MY PROBLEMS BEGAN .SOME ONES INFINITE WISDOM DECIDED TO DEPOSIT AND ELECTRONIC DEPOSIT FROM XXXX XXXX XXXX XXXX E/FILES REFUND DISBURSEMENT INTO MY ACCOUNT XXXX ROUTING NO XXXX IN THE AMOUNT OF {$5700.00} EVEN THOUGH THEY KNEW THIS NAME OF THE IRS REFUND WAS NOT MY NAME THEY DEPOSITED THE FUNDS ANY WAY THEY PROCEEDED TO FREEZE MY ACCOUNT RATHER THAN RETURN THE FUNDS TO THE IRS OR XXXX XXXX TO HAVE THESE FUNDS RETURNED TO CORRECT ACCOUNT HOLDER.I AM UNABLE TO PAYBILLS THAT HAVE BEEN OUTSTANDING SINCE XXXX XXXX XXXX THEY REFUSE TO ANYTHING TO CORRECT THE PROBLEM.I HAVE CALLED CUSTOMER CARE FOR THE LAST MONTH NO SUCCESS EVERY ONE TWIDDLING THEIR THUMBS I AM ALL TALKED OUT
02/13/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 32966
Web
i was put on XX/XX/XXXX hurricane financial assistance relief with XXXX XXXX credit card division of first national bank of omaha n instead of assisting me they close my account down as was not receiving statement as claim and they refused re open account n correct all deliquencies, they claim i so called owe XX/XX/XXXX and XX/XX/XXXX bill when was not getting paper statement they claim were mail out XX/XX/XXXX i paid XXXX XXXX dollars n instead of getting a paper statement claiming i owe for XX/XX/XXXX XXXX XXXX dollar n was hit with a XXXX XXXX dollars late fee then they sent me a bill for XX/XX/XXXX in amt of XXXX as i wasn't getting statement of bill they claim they sent me as want them strip of banking n credit card privilige and violating the hurricane disaster relief law of XX/XX/XXXX plus i was told i didn't owe anything till XX/XX/XXXX and instead i being lied to n account was shut down n not corrected as promised
07/07/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • SC
  • 29607
Web
First Bankcard sent a letter dated XX/XX/2020 stating that the credit limit on the card was changed to {$500.00}. The card had been issued with a {$800.00} limit. First Bankcard 's Customer Service was contacted by telephone regarding this matter on XX/XX/2020, requesting restoration of the limit to {$800.00}. The Customer Service agent stated the limit could not be changed for at least a 90 day period, and stated that it was a program-wide decision, not based on individual usage or actions. I reject these account changes and request that the limit be restored to the original {$800.00} amount. For wider context, there are news reports that companies engaging in this practice are likely motivated by the COVID-19 pandemic, although the Customer Service Representative did not mention this during the call. Constricting credit access to consumers during a time of crisis constitutes unethical behavior in the marketplace.
11/04/2016 Yes
  • Credit card
  • Unsolicited issuance of credit card
  • RI
  • 02911
Web
About 5 years ago I opened a savings/checking account with XXXX Bank. The institution without my consent sent me a credit card which I did n't apply for. I consulted the banker back then and was informed that it would hurt my credit if I cancelled/closed the credit card account so I decided to keep the card. Today, I requested the bank copies of my initial application and they refuse to provide them ( application no longer available ). The representative further stated that the bank may now close my account due to the fact that the credit card account was opened fraudulently. I informed the representative that I am fully responsible for the current charges and I have always made payments on time for the last 5 years. I am now afraid that the closure of the account will affect my credit score and this will greatly affect me in the future. Further, I am concerned that the bank will require me to pay the full balance.
09/18/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60453
Web
The bank that issues my credit card placed incorrect information on my credit report in the 'Remarks ' section and sent that information to all 3 credit bureaus. On my XXXX XXXX report, this error was recorded on XXXX. The incorrect information had a negative affect my credit score. Someone at the credit card co. was careless with the information on my account and placed information on my credit report, in error, that I was disputing the account. The truth of the matter is that the only dispute I had on my account was with a hardware store purchase that I used my credit card to pay for the online purchase. To make matters worse, I spoke with a supervisor at the credit card XXXX who apparently lied to me when she told me that they only report to XXXX who then, in turn, report changes to the other 2 credit bureaus. XXXX advised me of this and told me that they do not report anything to the other credit bureaus.
07/10/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • AL
  • 35228
Web
In the early XXXX 's I had a credit card called XXXX. It went out of business long ago but I am still paying on my balance. They put up a website to take payments but they make it nearly impossible to get into it. Every single time I try to log in it gives me trouble by not taking my password. It asks to change passwords often too, and then it wo n't take the new password. Once you try three times it locks you out for three hours. Today is my deadline and I tried to get in to make my payment. It would n't take my password and then locked me out for three hours. By the time three hours is up, I will have a late charge because my payment will be late. I tried calling their XXXX number to pay by phone but there 's apparently no way to get anything but balance, etc from that number. This is ridiculous and I am tired of becoming anxious every time I try to pay this bill. Maybe they will answer you but I doubt it.
04/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • KS
  • 66801
Web
On XX/XX/21 I was given a checking account number and routing # to pay off my credit card balance of {$790.00}. My credit card balance after 3 days showed a {$0.00} balance. I was asked in return to make a XXXX payment on XX/XX/21 to someone for {$990.00} in the promise that it would be paid with the same checking account that paid off my credit card. On XX/XX/21 the original payment of {$790.00} was returned as insufficient funds. I was told to send it back through because the bank messed up and there was definately money in the account to pay the balance. The XXXX payment I submitted payment for to my credit card in the amount of {$1000.00} was also returned as insufficient funds on XX/XX/21. I disputed this transaction of {$990.00} on XX/XX/21. Sent in all of the requested information. Received a letter on XX/XX/21 that my dispute had been settled and I was responsible for the transaction of {$990.00}.
10/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28208
Web
Account Name FNB Omaha Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$430.00} I do not owe FNB Omaha- ( account # XXXX ) {$430.00}. I never heard of FNB Omaha. I never did a contract with them. Futhermore, I am in the state of NC and they can not legally collect in my state for a date that I did not owe for this company. NC is three years of statuatory limitation. Their also reporting inaccurate My understanding is that the Metro 2 Format is the industry standard for reporting, complete, and timely information and that The data should be reported to the specified definitions in order to process credit information correctly. I am also in the state of North Carolina which the statue of limitations is 3 years. I do not owe FNB Omaha- ( account # XXXX ) {$430.00}
05/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 91356
Web
On XXXX, my Bank sent me alerts that I had a lot of derogatory information put in my credit report. Most of it was that I had delinquent payments. After this I started to call the different credit card companies and took down my information and started the process. I got paper back from most of them but FIRST BANCARD CREDIT CARD COMPANY. They just sent me a letter stating that the claim was denied and that I had to pay over {$3000.00}. Even though, I did not open the account which was opened many years ago. I called their FRAUD DEPARMENT and they suggested that I must have known about this. I sent them a letter stating that I wanted to see my signature on the original application and on any purchase bearing my signature. Most of the companies deleted the accounts from my credit but this particular one, does not want to work with me. How, am I going to pay for something I did not sign up for or open.
09/15/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • VA
  • 22701
Web
I submitted loan application data online for a debt consolidation loan, a " XXXX '', then received a call over the telephone from First National Bank Omaha, ( " FNNII '' ), XXXX. Subsequently, FNNI requested proof of identity, my active XXXX Drivers License and proof of address, a current year Utility Bill or a current year Bank Statement. All of my Utility Bills and my Bank Statements are set up to go to my PO Box listed on my XXXX Drivers License. I submitted my active XXXX Drivers License and my active XXXX Voter Registration Card which shows my name and my current physical home address. FNNI says they do not usually accept XXXX XXXX XXXX to comply with the " US Patriot Act '' rules. FNNI says that they can not process the loan without a Utility Bill or a Bank Statement! FNNI says that they are declining the loan because they can not confirm my identity or my physical home address.
05/15/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 76016
Web Older American
On XX/XX/XXXX my husband and I visited an XXXX at the XXXX XXXX XXXX in Texas. We put {$50.00} on her account. We paid an additional {$4.00} for the transaction for a total of {$54.00}. When we got the credit card bill today from First National Bank Omaha XXXX, there was a charge of {$29.00} and a fee of {$15.00}. So the XXXX only received {$29.00} of a {$54.00} transaction. That adds up to {$44.00} ( {$29.00} + {$15.00} ) in the first place, so where is the missing {$6.00}? But the {$15.00} fee is outrageous and you are not warned, except in the vaguest of language, that this might occur. I would have expected maybe a small fee on top of the {$54.00}, but not basically clipping people for {$15.00} and then a {$1.00} interest charge!!! And where did that extra dollar go -- seems fishy. On top of that there is a minimum interest fee {$1.00}, even though the bill is not due until XX/XX/XXXX!
05/18/2016 Yes
  • Credit card
  • Balance transfer
  • CA
  • 92629
Web
I was notified by my credit card company ( firstbankcard ) of fraud on my card. They immediately cancelled the card and notified me that a new card would be issued and that my old card balances would be transferred onto my new account. In addition, I would not be able to access my online account until the new card and balances were transferred. When I got the new card and viewed the online statement I was charged late fees and interest for an overdue payment on the old account/card which I had no way to access or know about. When I contacted the credit card company the fraud investigator ( XXXX ) from firstbank card was hostile and told me I just should have known it was owed or called them. I told her I could n't even access my online account during the time period in question because they closed it out and I do n't even have any detail on the balance due that I supposedly should have paid.
02/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 79938
Web
I was disputing or correcting items on my XXXX credit report, when I accidently pressed the wrong item. There is no delete or edit button and therefore it goes through. I have had to call 33 times to ask to have this fixed and each time the credit reporting agency either hangs up, disconnects or tells me a mgr will call back. Either way this does not get done. Today XX/XX/2021 I called, XXXX answered, listened to me then hung up. I called back again for the 34th time. I just need the entry Disputes : XXXXXXXX XXXX XXXXXXXX dispute in progress ( added XX/XX/2021 ) to be deleted. They were given my id, police report and the letter faxed in explaining the detail. Even the bank asked to have it off the report. They continue to keep it is dispute mode. FCRA 605b says to be deleted within 4 days, this started 3 weeks ago and was requested with the additional information over 9 days ago.
05/07/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MI
  • 48197
Web Older American
I have one accounts with First National Bank of Omaha ( see attached documents ) for over 10 years. Many years we have had a good relationship with each other. I have never had a late payment with them until this crisis. I got XXXX with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card was closed recently, and I am still trying to work something out with them.
08/04/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • MI
  • 48235
Web
The COVID-19 cares act states 1. Late or missed payments CAN NOT be reported if I have an arrangement has already been made. 2.If your account is delinquent and a agreement is made a creditor can not report you has more delinquent. The FCRA states 1. late payments must follow the 30,60,90 flow FNBO are in violation of my consumer rights and not following the cares act law. I enrolled in the forbearance program XX/XX/21. This bank has reported XXXX, XXXX & XXXX as late payments even thought they were not late. FNBO auto drafted these {$25.00} payments each month on time. They are also reporting to the credit bureaus three 30 day late payments instead of 30,60,90 which is also against the law. The reason they are doing this is to attempt to hide the fact they are not following the cares act law. They have continued to report me as more delinquent with late payments after my enrollment.
01/24/2018 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OK
  • 74011
Web Servicemember
XXXX XXXX card reported stolen end XXXX, beginning of XXXX. I continued to be billed for purchases and interest. Notifed 3x in XXXX, employee stated he was the one who handled original call and would be mailing out a fraud form that must be completed. I never received form. I called two weeks later and spoke with XXXX, who stated the problem had been fixed and the form with be received in 10 days, I then spoke with XXXX again on XX/XX/XXXX and his supervisor XXXX who promised the issue would be RESOLVED. Nothing has been mailed nor resolved, and I continue to be charged interest since XXXX. Card issuer has been contacted at least 5x since XX/XX/XXXX in an attempt to resolve this issue. I have also reached out to XXXX corporate headquarters with no response. I greatly appreciate your assistance in this matter. Sincerely, XXXX XXXX XXXX XXXX issuer XXXX First National Bank of XXXX
10/26/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • TX
  • 75067
Web
As of XX/XX/2020 I got a notice from XXXX XXXX concerning my account which to my surprise had been closed! I received NO notice, in fact the only notice I received was when XXXX XXXX sent the notice otherwise I got nothing from First National bank Omaha. I cherished that account. According to the Cares Act 2020 We were supposed to be protected through XX/XX/XXXX from adverse actions, I guess First National Bank Omaha seems to think they are immune from Federal Law, We'll see. They said they sent a notice, I never got a notice otherwise this action would not be happening. Make no mistake, there will be consequences for this, even if it was only XXXX dollars. This is not just a threat, I will see you in court and First National Bank Omaha will pay my travel, hotel, car rental, fuel for the car, and food, plus whatever legal fees may come to. Its not the money but rather, the principle.
03/23/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • MA
  • 01701
Web
On XX/XX/17 my credit limit on my First Bankcard Visa was decreased by half ( from ~11k-5k ). This was done without my knowledge and despite the fact that I have never missed a payment and haven't charged anything to the card since I opened it with a balance transfer. The decrease in credit limit led to me using 95 % of the available limit and drop in my credit score of FORTY FOUR points. When I called the company to ask for my limit to be increased they said they could not do so for four billing cycles. So as a result I must continue to deal with a significant drop in my credit despite the fact that I have not missed any payments or charged any substantial amount since first opening the card. After a brief XXXX search it is clear that this company, a division of First National Bank of Omaha, is not a friend of its customers. HIGHLY advise going with another, more reputable, company.
09/11/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • OR
  • 97701
Web
I was approved for your XXXX credit card at a particular credit limit about three months ago. Yesterday, without any notice, this credit limit was decreased significantly. There have been no defaults, delinquencies, or negative marks on my credit report since the initial approval. I have paid more than the minimum due with each payment and my income has not changed. The excuse I received from customer service was that the third-party team who initially approved the application missed some things. Sorry, that's not my fault. I have upheld my end of the credit relationship. Had I known that my credit limit could be decreased at any time ( for no good reason ) and without advance notice ... I would not have applied for this card. But now I'm stuck. If I cancel the card, that will have a negative impact on my credit report because of the short length of time the account has been open.
07/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NE
  • 68106
Web
First National Bank of Omaha - XX/XX/2019 is one example..when my checking account balance is low a transaction will go through my account and my account will automatically overdraft where i am charged a XXXX fee. The transaction is not listed on the account or the app or website so i have no idea what they tried to process in my account and im automatically over drafted with no opportunity to bring the account in good standing before the close of the day which is ironic because i will authorize payments before noon on a friday and the bank will hold the transactions until the end of the business day on Monday basically two full days. I believe they are manipulating transactions and should be looked into. Furthermore my overdraft coverage is manipulated to where i will select basic overdraft coverage get approved then go back to app website and it will say no basic overdraft coverage
11/17/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • PA
  • 19018
Web
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.
02/18/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • SD
  • 57501
Web
I have had issues in the past with overdrafts to my business checking accounts. My bank 's online banking does not allow transfers after XXXX to go through until the next business day ( two days later ), even if I have funds directly in the bank. I work out in the field and am unable to check my online banking until the evening. The branch president and my loan officer agreed, if I e-mail them in the evening, they will make the transfer for me and I would not get the overdraft charge. On XXXX XXXX, 2016, an e-mail was sent to my banker, requesting to transfer {$500.00} from XXXX of my business accounts to the other, to cover pending deposits, to avoid an overdraft per our discussion. I checked the account on XXXX XXXX, 2016, and an overdraft of {$38.00} went to my account with no transfer made per my e-mail request. The bank is not honoring their commitment and agreement we came to.
03/13/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • FL
  • 32905
Web
I have a credit card with FNB Omaha Bank, a limit of XXXX + On XXXX. XXXX I charged {$1300.00} mostly for an auto repair, a one-time charge. Payment has been made in full. XXXX dropped my score by XXXX points, and the bill is paid. I made a dispute their response below. Report Number : XXXX Date Generated : XX/XX/2021 Results Report Number : XXXX Date Generated : XX/XX/2021 FNB OMAHA Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. Results Report Number : XXXX Date Generated : XX/XX/2021 FNB OMAHA Account XXXX Your balance is the amount that you owe on an account. A high balance may have a negative impact on your Credit Score. Score Decrease Your FICO Score has decreased by XXXX points. XX/XX/2021 2021
10/05/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CA
  • 92109
Web Older American
I filed a complaint # XXXX re First National Bank of Omaha closing my account. They responded that I was told that they would close my account. That is not the entire story. In response it was never clearly stated by any employee that if I catch up and pay all past due payments current related to the Covid 19 problem, that my account could not be opened again or that I wouild have reapply for a new card. There is no guarantee that I would be issued a new card especially with all the Covid related payment problem I had. The result is that I would have to continue to pay my monthly minimums without the benefit of any availalble credit. This is grossly unfair and demonstrates no good will. I have had similar closed account experience with other credit cards I have and they were always to able to reopen my accounts. They need to do the right thing because I did. Thank you.
05/12/2015 Yes
  • Credit card
  • APR or interest rate
  • AZ
  • 85345
Web
On approximately XXXX/XXXX/15, I did a balance transfer to Firstbank Card. The offer from Firstbank Card was 0 % for 12 months, with a 3 % balance transfer fee. A few days ago while going over the the credit card statement from Firstbank Card I realized that I had a finance charge of {$160.00}. I called first bank so that they could explain. They stated that the balance transfer was at 0 % for the first month and thereafter at 16.99 %. I stated that was an error made on there part and insisted that they listen to the audio recording which took place during the initial transaction. On XXXX/XXXX/15, I was advised by a representative as per supervisor XXXX out of the XXXX, Nebraska office that the audio tape was indeed listened to and that I did agree to the terms that they claim. I am pretty upset as I feel as I was duped, being that I would never agree to such a transaction.
06/10/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • KS
  • 66062
Web Older American
We refinanced our first and second mortgages with First National Bank in XX/XX/XXXX. The account was escrowed. On XXXX, we received a delinquent tax notification in the mail for the XXXX County Treasurer 's office. The bill states {$1500.00} has not been paid. I have notified the loan officer, XXXX XXXX. I have also notified the branch manager, XXXX XXXX. We have had mortgages with First National Bank for over 5 years. At no time have they ever failed to pay the property taxes as agreed to per our loan documentation until now. The notifications have been placed in writing via e-mail. I am asking that they send out the amount due promptly to the treasurer 's office. If there is a late fee or interest due because of failing to pay it, they will need to absorb it, because it is clearly their fault the amount has not been paid. We are not responsible for this amount.
09/20/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • CA
  • 92109
Web Older American
Today XXXX I called my credit card company, First National Bank of Omaha and asked them to open my account so I could utilize my available credit. They told me my account was closed back in XXXX of XXXX and could not be reopened and I would have to reapply. This will not work because with my current credit score I would qualify for a new card and this was not what was promised when I entered the payment program. I informed them that I had problems paying my bill do to XXXX and that I was put on a payment program to catch up. I was put on a payment program and was told that when I got caught up my account would be reopened. I called every month prior to my due date during this problem period as a show of good faith and to pay what I could. Now I am fully caught up and have avaialble credit I should be able to utilize. Before XXXX I had a perfect payment history.
05/29/2015 Yes
  • Credit card
  • Billing statement
  • CO
  • 80203
Web
I had previously used a 0 % interest check, in which for several months I had abalance, and I did make timely payments. During XX/XX/XXXX that balance was paidin full, ended with a XXXX balance. My XX/XX/XXXX statement shows a startingbalance of XXXX, I made a couple purchase transactions during XX/XX/XXXX, and alsoa partial payment on my account. I should have had an ending balance of {$40.00}, although I was instead charged {$1.00} minimum interest, as I had abalance I was told, even though the credit card agreement clearly states Ican avoid paying interest if I pay for purchases in full during the billing cycle. So the way I understand it, I would have until the due date to pay the $ XXXXto avoid interest. It was later explained that their systems calculated interestif the account was " coming off of a 0 % promo '' even though it had been paid infull timely.
10/16/2016 No
  • Bank account or service
  • Savings account
  • Problems caused by my funds being low
  • FL
  • 32821
Web
I mistakenly submitted a bank account transfer to another bank account ( an ACH " push '' ) twice, the second of which would have resulted in a negative balance. As soon as I realized my mistake less than 24 hours later, I made an attempt to cancel the second transfer. The bank would not allow me to cancel it even though it had not processed. Instead, I submitted a transfer back into the account to fund the second transfer, such that I would not be charged any fees. As a result of this single mistake, I was charged {$130.00} in returned item fees, despite a bank policy of automatically refunding the first returned item fee in a year. Even so, the posted returned item fee is supposed to be {$33.00}, not {$130.00}. I can not comprehend how a single transfer in error, which was corrected before any fees were charged, would result in four times the posted fee.
11/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • FL
  • 34205
Web
RECIEVED A PROMOTIONAL OFFER OF 0 % ON PURCHASES OVER {$490.00} ON FIRST BANKCARD - XXXX CREDIT CARD FOR 6 MONTHS ( I AM AN EXISTING CARD MEMBER FOR MANY YEARS ). WHEN MAKING A PAYMENT THEY WILL NOT PUT ANY EXCESS TO THE PROMOTION THEY WILL ONLY PAY THE INTEREST BEARING CHARGES FIRST AND WHEN THE STATEMENT COMES OUT TO PAY OFF THEY WILL NOT ALLOCATE THE PAYMENT TO PAY IT OFF IF THERE ARE CHARGES APPLIED AFTER THE STATEMENT CUTOFF DATE. A CONSUMER WILL NEVER PAY OFF THE PROMOTION BEFORE THE EXPIRATION DATE AND THEREFORE THE INTEREST WILL BE CHARGED. IT IS A BAIT AND SWITCH PROMTION ON THE CARD. I WILL BE PAYING THE ACCOUNT OFF BEFORE THE PROMOTION EXPIRES AND CANCELLING THE CARD. FOR OTHER CONSUMERS THEY WILL HAVE A HARD TIME PAYING THIS CARD OFF AND MAKING USE OF THE 0 % PROMOTIONS THEY OFFER. THIS IS EXTREMELY BAD BUSINESS AND A FRAUD ON THEIR PROMOTIONS.
12/11/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • VA
  • 22302
Web
XXXX XXXX closed my account in XX/XX/XXXX. Since then, I paid off the account for an interest fee after I paid the final balance. XXXX XXXX continued to report a late fee for this interest charge post account pay off and closure for 4 months. I disputed this fee with XXXX XXXX and the Credit Bureaus. However, this remains on my credit report. I am a responsible person and this is not a reflection of who I am and how I pay my debts. When you get a statement from a creditor, and you pay the entire balance, it is unfair to see another bill come with additional fees that should have been included when you pay the balance. I would like for XXXX XXXX to clear the late payments reported to the credit bureaus. This is keeping me from having a credit score worthy of a buying a home. Considering I pay consistently and on time with all of my other creditors.
10/27/2016 Yes
  • Credit card
  • Billing statement
  • CO
  • 80132
Web Older American
First Bankcard froze my credit card without notifying me alleging late payment which included a recurring payment to XXXX XXXX that I had specifically told First Bankcard was not valid. As a consequence, my truck repair could not be paid using the First Bankcard and I am on foot in XXXX, Colorado without access to medical care. First Bankcard customer service told me I had to call XXXX to cancel my account which I had already sent a written response to XXXX at the XXXX XXXX address. My credit available showing is well over {$4000.00} but my credit card was frozen for {$45.00}, which I paid electronically today. Despite that payment, First Bankcard is unwilling to unfreeze my credit card until midnight tonight. I can not get my truck until tomorrow which puts me in hardship and I now have an XXXX in my foot which requires medical attention.
12/16/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NV
  • 89149
Web
I called customer service of this credit card company " First Bankcard '' and the person was not explaining well with detail and switched to her manager. The manager was not explaining either and treat me as ignorant saying " go file the complaint if you can ''. The problem was that they made a minimum interest charge of {$1.00} on XX/XX/20 and I asked it in writing explaining based on which amount. Previously I requested a balance transfers of total {$5000.00} and paid total fees of {$80.00} and interest portion of {$4.00}. I asked about the charge of {$1.00} ... if was interest portion should be disclosed in the page 2 of 2. ( see attached statement ) But the statement shows that {$1.00} as fee and included in total YTD fees charged. I asked again an email or letter explaining well about that charge and they denied it.
08/04/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 91765
Web
In XXXX, I received my first credit card which was an XXXX XXXX card. I was told to pay each month in full. I did not know I could pay monthly payments. I had a balance of approximately {$2200.00} and was not able to make the full payment due to losing my job in XXXX. I also didnt make monthly payments because I didnt know I could. After 3 months XXXX XXXX closed my card and sent it to collections. After trying to pay them off earlier this year, they stated they had settled with the IRS and I would pay it on my taxes which wasnt an issue. However, this derogatory mark is on my credit and fnb Omaha will not remove the mark from my credit report. Ive tried everything and this is the only derogatory mark on my credit report. Please advise how I can get this removed as I was naive and did not have the proper guidance. Thank you.
11/01/2016 Yes
  • Bank account or service
  • Savings account
  • Problems caused by my funds being low
  • FL
  • 32821
Web