| 02/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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.
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| 02/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL LOAN ID NUMBER XXXX As well I have come across my consumer report and have noticed You are reporting my information without my written consent it is impossible for your company privacy policy to supersede federal law. Stated in 15 usc 1681 Congress has created the FCRA to insure the consumers right to privacy as all consumer reporting agencies including any company acting as consumer reporting agency have ASSUMED the vital role of assembling and evaluating consumer credit information Fact, XXXX XXXX XXXX XXXX is a consumer reporting agency pursuant to 15 usc 1681a ( f ) a person who regularly engages assembling, evaluating consumer credit information, any other information on consumer for purpose of furnishing consumer reports to third parties such as but not limited XXXX, XXXX, XXXX Fact, XXXX XXXX XXXX XXXX bank is a consumer reporting agency pursuant to 15 usc 1691a ( p ) assembling, evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, nationwide, XXXX XXXX XXXX XXXX has shared my information to multiply THIRD PARTIES such as but not limited to XXXX, XXXX, XXXX.
In your promissory note you have created on PAGE 4 pt 13. You may report information about my loan to credit bureausSEE EXHIBIT ( D ) such action is a violation of the FCRA due to the fact you can only furnish a report with the written consent with the consumer to whom it relates 15 usc 1681 ( a ) ( 2 ), and pursuant to 15 usc 1681a ( 2 ) ( a ) ( i ) any report containing information on consumer report as solely transactions or experiences between you making the report and me the consumer must be excluded from a consumer report for example, such as but not limited to payment history, date of opening of account, or any other experiences such as late payments, charged off any and all information obtain through application or obtain through any credit transaction Pursuant to 15 usc 1681 ( a ) ( 2 ) you have no permissible purpose which is written consent from i the consumer to have furnished this account please send copies to address on file, as such document is required to be in my consumer file pursuant to 15 usc 1681a ( g ). Failure to produce such a document and in the case of continuing reporting of my information will cause XXXX XXXX XXXX XXXX to be in violation pursuant to FCRA violation of consumer privacy, wilfully non compliance which may result in a remedies owed to me the consumer for such violation.
Fact, XXXX XXXX XXXX XXXX is a financial institution which is defined pursuant to XXXX usc XXXX ( XXXX ). Pursuant to XXXX XXXX XXXX ( b ) ( XXXX ) a financial institution, XXXX not disclose any nonpublic personal information, nonpublic personal information is defined pursuant to XXXX XXXX XXXX ( p ) ( XXXX ) ( i ) as personally identifiable financial information, personally identifiable financial information is defined pursuant to XXXX XXXX XXXX ( q ) ( XXXX ) ( i ) ( XXXX ) ( XXXX ) as any information i have given you to obtain financial service from you and any information resulting from any and all transactions involving financial services between You XXXX XXXX XXXX XXXX and i the consumer, examples of information pursuant to 12 CFR 1016.3 ( q ) ( 2 ) ( i ) ( A ) Information i have provided to you on a application to obtain a credit card, ( B ) Account balance information, payment history, overdraft history, ( C ) The fact that i am your customer or have been and the fact i have obtained a financial product or service from you ( E ) Any information that i have provided You XXXX XXXX XXXX XXXX or any one of your agents or employees obtain in connection with collecting on, or servicing, a credit account, ( F ) Any information You XXXX XXXX XXXX XXXX may have collected through an internet cookie ( an information collecting device from a web server ). To a non affiliate third party unless ( A ) such financial institution clearly and conspicuously, clear and conspicuously is defined pursuant to 12 CFR 1016.3 ( b ) ( 1 ) means that a notice is reasonably understandable and designed to call attention to the nature and significance of the information in the notice, examples of reasonable understandable pursuant to 12 CFR 1016.3 ( b ) ( 2 ) ( i ) ( A ) Present the information in the notice clear with concise sentences, paragraphs, and sections, ( B ) Use short explanatory sentences or bullet list whenever possible, ( C ) Use definite, concrete, everyday words and and active voices whenever possible, ( D ) Avoid multiple negatives, ( E ) Avoid legal and highly technical business terminology whenever possible, ( F ) Avoid explanations that are imprecise and redlily subject to different interpretations, discloses to the consumer, in writing or electronic form that such information may be disclosed to such party and pursuant to 15 usc 6802 ( b ) ( 1 ) ( B ) i consumer is given the clear and conspicuous opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such party ; and, ( C ) i the consumer is given a clear and conspicuous explanation of how the consumer can exercise that nondisclosure option. ALL financial institutions shall deliver to all consumer a clear and conspicuous notice of financial institutions privacys policy And clear and conspicuous opt out methods to insure the safety of consumers nonpublic personal information pursuant to 15 usc 6803 ( a ) at the time of establishing the relationship between i the consumer and you the financial institution such notices shall be delivered in accordance to 12 CFR 1016.9 ( a ) ( b ) ( 1 ) ( i ) ( ii ) ( iii ), pursuant to 15 usc 6803 ( c ) each privacy notice shall include, ( 3 ) policies of financial institution that is place to maintain and to protect the confidentiality and security of consumers nonpublic personal information in accordance to section 15 usc 6801 which is pursuant to 15 usc 6802 ( A ) ( B ) ( C ), explains what is required of each financial institution before any nonpublic personal information may be shared to insure the protection of each consumers nonpublic personal information AND the power the consumer has in the decision of such information being shared or not shared. Federal regulation 12 CFR 1012.9 ( a ) ( b ) ( 1 ) ( i ) ( ii ) ( iii ) explains and gives examples for requirements of each financial institution to deliver each privacy notice and opt out form required to be delivered to each consumer so each consumer can reasonably be expected to receive such notices. Pursuant to 12 CFR 1016.7 ( a ) ( 1 ) ( i ) ( ii ) ( iii ) federal regulation p states what is required in each opt out notice, a clear and conspicuous notice that ACCURATELY explains the right all consumers have to opt out from nonpublic personal information being shared to any and all non affiliated third parties, and a reasonable means by which the consumer may exercise that right before such information is shared to any non affiliated third parties Due to your failure to follow congress requirements under the XXXX XXXX XXXX XXXX which is cleary disrespected in your privacy policy and opt out methods with failure to follow FEDERAL LAW AND REGULATIONS Pursuant to 18 usc 1028A ( a ) ( 1 ) FNBO Personal Loans Operations is in violation of aggravated identity theft for without lawful authority using a means of identification of another person pursuant to 18 usc 1028A ( c ) ( 8 ) XXXX XXXX XXXX XXXX is in violation pursuant to 15 usc 6821a for causing to be disclosed customer information of a financial institution relating to another natural person which is i the consumer, by pursuant to 15 usc 6821 ( a ) ( 3 ) providing a document, document defined pursuant to 15 usc 6827 ( 3 ) means any information in any form, which in this case nonpublic personal information pursuant to 12 CFR 1016.3 ( p ) ( 1 ) ( i ) to officer, employee or agent of a financial institution which pursuant to 15 usc 6827 ( 4 ) ( B ) XXXX, XXXX, XXXX are all financial institutions to whom XXXX XXXX XXXX XXXX has shared to either a employee, officer or agent of such three consumer reporting agencies XXXX XXXX XXXX information that contains a fraudulent statement and representation of authority share my nonpublic personal information without consent from i the consumer which in fact makes you in violation pursuant to 15 usc 6823 ( a ), The XXXX XXXX XXXX XXXX does not supersedes the requirements of the FCRA pursuant to 15 usc 1681 ( a ) ( 2 ) a consumer report must only be furnished with the written instructions of the consumer to whom it relates due, fact you have no permissible purpose to share any of my information.XXXX XXXX XXXX XXXX is in violation pursuant to 18 usc 891a knowingly and conspiring to use extortionate means to collect and attempt to collect a extension of credit, extorinate means defined pursuant to 18 usc 891 ( 7 ) is any means which involves the use or an express or implicit threat of use, of violence and criminal means cause harm to the person reputation As stated on page 4 of promissory note I AM AWARE THAT A NEGATIVE CREDIT REPORT REFLECTING ON MY CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORT AGENCY IF I FAIL TO FULFILL THE TERMS OF MY CREDIT OBLIGATIONS SEE EXHIBIT ( E ), according to 15 usc 1681 ( 4 ) it is my right as a consumer to the right to privacy and you XXXX XXXX XXXX XXXX furnishing a consumer report, sharing my nonpublic personal information to non affiliated third pirates is in fact a violation of my privacy and violation of FCRA, XXXX XXXX XXXX XXXX With Explicit Reservation of all Right, Without Prejudice UCC 1-308.
XXXX XXXX
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| 08/11/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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.
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| 01/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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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!!
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| 08/29/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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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.
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| 04/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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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.
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| 01/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
Older American |
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On XX/XX/XXXX I requested a balance transfer in the amount of {$3300.00} from my XXXX XXXX issued by First National Bank of XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX ) in response to a low interest promotion offer into my checking account with " XXXX '' bank.
I logged into the bank 's website and filled in the required information : A - The account number ( where the money will be deposited into ), I entered my debt card number.
XXXX - XXXX dollar amount to be transferred ( I entered {$3300.00} ).
C - The name of the receiving bank ( I entered " XXXX XXXX '' ) I then clicked on " Process '' and received a message that my request was being processed.
Two days later I noticed that the transfer had posted into my XXXX XXXX account along with {$67.00} for Balance Transfer Fee.
After few days I started checking my checking account with XXXX online to see if the balance transfer had posted into my account to no avail.
I called XXXX to inquire and was informed that there was no such deposit received.
I called First National Bank of Omaha XXXX Customer Service several times to inquire and was always told to give it XXXX more days, eventually I was advised to allow up to ( XXXX ) business days for the check to arrive. Every time I called the customer service representatives were eager to end the call without actually trying to investigate or do any research. On or around XX/XX/XXXX I pressed the representative to research the system and sure enough she found out that the check had been processed and cashed on XX/XX/XXXX by XXXX and advised me to contact them which I did and was assured that there was no such a check in their system.
I called First National Bank back with XXXX 's response and was advised by Customer Service to call XXXX again and tell them to have their accounting department call First National of XXXX 's accounting department and that they should be able to locate the check.
I called XXXX again and relayed First National 's request and was told that they would not do that and that the bank that issued the check should be the one to call them.
I then asked to speak to a manger who also insisted that the issuing bank is the one that needed to contact them, after a prolonged and heated back and forth discussion with the XXXX 's manager I was too agitated to continue and asked him to close my checking account which he did.
I called First National again and explained XXXX 's position and again the representative insisted that XXXX should be the one to call them, at that point I had wasted several hours between the two banks either waiting for someone to pick up the call or being placed on hold and again the representative was clearly trying to end the call, so I asked to speak to a manger, I was placed on hold again for so long until finally she came back online and advised that the manager was busy and that he would call me later. I waited for a call back to no avail until the following day. The manager was straight forward and extremely rude and bluntly told me that it was my problem together with XXXX and that they did send the check as I requested and that was it for them, I then asked for a copy of the cashed check so that I would have a proof when talking to XXXX again ( bearing in mind that my relationship with XXXX had been terminated ).
Again, I got the same response from XXXX, speaking from one manager to the next and eventually ended the call with no resolution.
I called XXXX XXXX again trying dispute the charge since I had not received any funds, however, the agent response was that my issue didn't qualify to be a disputed charge and advised that I needed to speak to the same manager that I had spoken to a couple of days earlier, again that manager, was extremely combative and rude and claimed that I accepted the charge when I pressed ( Process ) initially and that made me responsible and that I had given them the wrong information, and or the wrong address.
I started calling several numbers in XXXX for help to no avail, I even initiated another balance transfer from First national Bank into my XXXX Credit Card ( not the checking account ) in the amount of {$140.00} plus {$10.00} processing fee to verify their process and confirmed that the bank 's system does not even require the receiving bank 's address unlike what the manager had claimed, after the second balance transfer request was processed, I then realized what went wrong, it turned out that First National Bank had sent the check to the Credit Card Payment Processing Center in XXXXXXXX XXXX instead of the Checking Account Processing Center in XXXX XXXX
Armed with the new knowledge I called First NationaXXXX, spoke to the same manager again he was still adamant that it was not his problem but mine so, I asked to speak to his manager, he then advised that he would have her call me the following day.
His manager called me the following day, apparently she had been filled in with her Subordinate 's version, that her response was similar to his, I asked her to tell me what I had done wrong, and her response was basically that the issue was out of her bank 's hands and there was nothing they could do to retrieve the funds although I kept telling her what XXXX had repeatedly required fort her accounting department to contact them but she wouldn't accept that and insisted that it was out of their hands, well I repeatedly explained to her that it was out of my hands as well and that XXXX would not have anything to do with me being the recipient and that only the issuer should pursue that issue in addition to the fact that my banking relationship with them was terminated. Again, she made it clear that there was nothing they could do and that I was responsible for the funds that I never received and never will and that I was expected to pay it back!
I threatened to sue and take them to court but unfortunately everything I said just fell on deaf ears.
This has been going on for over a month and a half, I'm XXXX, can't afford an attorney and do not want to ruin my credit because I depend on it plus I borrow student loans for my child to attend college so i need my credit in good standing, please help me or advise me of the best way to handle this dilemma, I needed the money to begin with that's why I wanted a transfer to my checking account, now not only I didn't receive the money that I needed but also I'm expected to pay it back. I have been on XXXX since XX/XX/XXXX of XXXX and making ends meet is extremely hard as it is to add even more burden to my finances unjustly for a mistake I didn't commit just because they can.
I trust you will stand up for justice and see to it that justice is served.
Thank you in advance for your attention to this matter.
God bless you all and God bless America.
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| 12/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American, Servicemember |
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XX/XX/XXXX Details of Complaint submitted to Consumer Financial Protection Bureau Complaint Against : First National Bank of Omaha ( FNBO ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX, NE XXXX Phone - ( XXXX ) XXXX ( XXXX ) XXXX Dear CFPB : I have been a XXXX credit card holder many years clear back when it was XXXX, the XXXX XXXX XXXX XXXX XXXX prior to the XXXX purchase in XXXX. At some point it became a XXXX card and in XXXX the card issuer was changed from XXXX to First National Bank of Omaha ( FNBO ), see attached pdf XXXX XXXX - FNBO - XX/XX/XXXX. Note the XXXX off per gallon on fuel at XXXX.
We decided to drive to XXXX MO to visit our son. As planned, we left XXXX NC on XX/XX/XXXX, spent one night in XXXX TN and arrived in XXXX on XX/XX/XXXX. The incident occurred near XXXX NC which is over 200 miles from XXXX, see pdf XXXX, North Carolina to XXXX, NC. We drove my wifes XXXX XXXX XXXX XXXX which has a fuel tank capacity of 14.5 gallons, see pdf XXXX XXXX XXXX Owner 's Manual. The distance from XXXX to XXXX and the XXXX fuel capacity are important facts in this complaint.
Additional facts are to provide my normal spending pattern including dates, merchant locations, amounts ( gallons ) purchased and totals paid. These pdfs are attached : XXXX XXXX Billing Stmt XXXX XXXX XXXX Billing Stmt XXXX XXXX XXXX Receipts XXXX - XXXX XXXX XXXX XXXX XXXX XXXX You may note on the XXXX pdf that when the XXXX card switched from XXXX to FNBO several late fees were charged. I was used to a prominent green and yellow XXXX logo on the billing envelope such as the final XXXX bill of XX/XX/XXXX. The FNBO bills had no logo and the first one for XX/XX/XXXX was likely tossed out as junk mail see pdf XXXX XXXX Bill Delivery Envelopes. FNBO imposed late fees that I called and complained about and they credited them back.
On trips, I usually stop and fill the tank when the fuel gauge goes below and we used that method for the trip. When we left the freeway to buy gas I would check for a XXXX station and if the XXXX cent off per gallon was the best price, I would pull in to fill the tank. The incident occurred on XX/XX/XXXX. We were about XXXX miles from XXXX and pulled into what looked like a XXXX station see pdf XXXX 's # XXXX. It had the XXXX name and logo on the building, gas pumps, etc. When I put my XXXX card in the pump it did not drop all the prices by XXXX cents as it should. I thought the pump read the card wrong, so I canceled the purchase and tried again. Still no discount. I canceled again and went inside to get some help. The guy at the cash register had no clue about the XXXX XXXX cent discount. I asked more questions and he told me the station was not owned by XXXX, but some other company. I got back in the car and scribbled some notes on the back of a scrap of paper to perhaps complain to XXXX. The station owners name was unusual but most likely was XXXX. We drove on and did fill up at a XXXX in XXXX NC which is XXXX miles from XXXX see pdf XXXX, North Carolina to XXXX, NC.
We returned as planned to XXXX on XX/XX/XXXX. When I opened the XXXX XXXX Billing Stmt XXXX on XX/XX/XXXX, to avoid interest and fee charges I paid the full amount due of {$250.00}, including {$90.00} for the XXXX XXXX charge dated XXXX. The charge stuck out since it was the highest since XX/XX/XXXX see XXXX XXXX XXXX XXXX XXXX and was allegedly made at that XXXX place. I immediately called FNBO and disputed the charge. They mailed a confirmation of the dispute, see pdf FNBO Letter XXXX. I expected that FNBO would quickly reimburse my account for the bogus {$90.00} and life would go on.
FNBO sent another letter, see pdf FNBO Letter XXXX that said We have no recovery rights for card present, outside gas pumps, you will need to work directly with the merchant for resolution. If applicable. fees and finance charges that are refunded as a result of the dispute will appear on your monthly statement as well as your payment amount and due date. I have had credit cards for over 40 years and the issuing bank would not only handle such a dispute but would have notified me of a bogus charge and if the card was compromised they would cancel it, create a new account and send new cards.
Rather than correct the bogus charge they sent another letter, FNBO Letter XXXX. It alleges We have completed our investigation and at this time find the transactions to be valid. It was determined that your card was physically present at the time of these transactions and the chip on your card was read. These transactions are part of your normal spending pattern, took place in your home area. I dispute that entire statement. I did some research and on XX/XX/XXXX called the NC Dept. of Justice. They referred me to the FTC at XXXX who referred me to you at XXXX. I spoke with your service rep., XXXX who recommended that I file this complaint.
1. The transactions are not valid. On XXXX I did not make any purchase, gasoline or other items at the XXXX XXXX XXXX XXXX near XXXX, NC.
2. The card was in my possession the entire time while I was at the XXXX # XXXX gas station. I did not let any one else even look at the card. It seems that someone was able to hack my card information, assume my identity and charge {$90.00} to my account.
3. FNBO never provided any receipt for the {$90.00} charge so if it was a fuel purchase at the average NC price of {$3.00} per gallon, it would have been for 25.7 gallons. It would have been impossible to pump that much into a 14.5 gallon XXXX tank. Even if my car was totally empty then the price per gallon would have been {$6.00}. The highest price for regular unleaded in North Carolina history was {$4.00} on XX/XX/XXXX. The highest price for Diesel fuel was {$4.00} on XX/XX/XXXX.
4. My normal spending pattern for this XXXX/FNBO credit card is presented in the attached pdf XXXX XXXX XXXX XXXX XXXX. Excluding the XXXX XXXX groceries of XX/XX/XXXX and the bogus XXXX charge of {$90.00} on XX/XX/XXXX the charges on my XXXX/FNBO card have been for XXXX gasoline and have ranged from {$30.00} to {$42.00}. The {$90.00} charge is over twice the maximum ( {$42.00} ) in that range.
5. The bogus charge of {$90.00} at the XXXX # XXXX occurred over 200 miles from my home. If I drive even 60 miles from XXXX I consider myself to be out of my home area.
6. On XX/XX/XXXX after leaving XXXX XXXX XXXX I had to pull off for gas and went to the XXXX in XXXX NC where I pumped XXXX gallons to fill the tank, see XXXX XXXX Receipts XXXX - XXXX. It is 51.9 miles from XXXX to XXXX per XXXX, North Carolina to XXXX, NC XXXX maps. Our XXXX gets over 30 mpg, why would it only get 4.28 mpg from XXXX to XXXX?
7. The XXXX XXXX card is frozen to prevent additional hack charges.
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| 06/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I had a XXXX card issued by First National Bank of Omaha and carried a balance that was around {$7000.00} by the end of XXXX, when I decided to accept another bank 's transfer balance offer. The balance transfer covered most of the balance, and I paid the remaining balance in a separate payment XXXX XXXX, XXXX. After getting the balance to zero, I used the card XXXX more times for minimal amounts that came to a total of {$34.00}.
The card was an XXXX XXXX ( in connection with XXXX XXXX XXXX XXXX XXXX ) and I opened the account sometime in XXXX, I believe. I no longer have those records. I always paid on time and kept the account in good standing for some 15 years, to my recollection.
Then, something unfortunate happened.
I made a payment of {$40.00} on XX/XX/XXXX to cover some recent charges and a {$70.00} annual membership fee, which I believe brought my account to zero again. I intended to keep using the card and so I did not ask for the account to be closed. I used it XXXX more times in XXXX for charges that totaled {$34.00}, as stated earlier. But FNBO never sent me another statement again after that, either electronically or by mail, even though my account was set to have statements sent to me by regular U.S. mail. From XXXX to the end of XXXX, I received no statement, no letters or late notices of any kind until XX/XX/XXXX, when a letter arrived in my mailbox informing me that the account had been closed to do an " extreme delinquency. '' I do not dispute that I owed that money. As soon as I read the letter, I made a payment by phone of {$34.00}. I then called the Collections department at FNBO to explain the oversight. Since I had been a customer in good standing for XXXX years, the oversight amounted to what I viewed as " de minimis '' and any reasonable person could see immediately that it was just a misstep. I thought I would be able to re-open the account since I took care of the problem as soon as I was notified. I do not believe that FNBO 's failure to send me statements or reminders relieved me of the debt ; it was simply a mistake. But FNBO 's collection representative said he could not reopen the account. I would have to request that through customer service. The credit limit was {$10000.00} at the time. Overnight, that credit limit was cut to zero, which of course hurt my FICO score, particularly the credit usage ratio, which instantly became very high. My score went from " good '' to " fair '' immediately.
I called FNBO customer service today, XX/XX/XXXX, to request the account be re-opened. I was denied that request.
I think there is a reason why FNBO closed my account and it is different from the reason they stated in their letter. It should be completely obvious that I had no trouble paying my bills on time. I am not a bad credit risk. My excellent XXXX record with my account was completely disregarded, but it should have factored in. The action FNBO took was harmful to my credit score and it will make it harder and more expensive for me to borrow money in the future. I think the real reason for closure was that FNBO decided I was no longer a profitable customer, so they dumped me like garbage to the curb. It is quite odd that FNBO for reasons unknown, never reminded me about the balance due. What bank does not take reasonable attempts to collect any debt? We all know the banks and the credit rating agencies hold all the cards in our economic system and consumers can be bullied, exploited and spit out at will, with little recourse. It is one thing for a bank to play hardball with another financial institution -- that's capitalism. But consumers occupy the lowest rung in our economic system. Banks can take adverse actions with nary an explanation. Stories abound about banks slashing credit lines overnight of customers that paid off their accounts too fast and did not use their card " enough '' whatever that means. There is much conflicting advice out there on the internet about how best to maintain your credit score. Some say you should not use too much credit ; others say that you should use your card " sometimes '' but not " too much '' in order to, I suppose, give the banks a reason to keep you as a customer who pays fees and interest ; others say that paying off a card and not using it for a while will increase your score. Someone recommended keeping your monthly charges between 10 % and 30 % of your credit limit. Why is refraining from incurring debt simply not an option?
Why must consumers be forced into playing a game whose rules they can not know? Consumers are armed with little knowledge, banks offer little to no transparency and their decisions can be very consequential to consumers. I believe I was shafted as a result of the bank 's changing appetite for credit exposure and its profitability model and the tiny delinquent amount was an excuse. Let 's be real.
I have been punished by at least one other bank for paying off a credit card too soon and not using it enough. Why should banks be allowed to rig the system in a way that essentially encourages people to become hooked on their credit cards? Everyone knows financial institutions reap huge profits from interchange fees and it is in their best interest to keep spending levels as high as possible. This serves no one 's interest but the banks and their shareholders. It is part of today 's unfortunate shareholder-first mentality and it is wearing down regular people. It reduces trust in banks, and it creates bad will, and banks know that in today 's market, that doesn't matter much to them. In some cases, they are " too big to fail ''! They can be " rescued '' by the Fed to the tune of billions, and yet they punish petty missteps as if their retail customers are small children. What choice do we have?
Something needs to change, and it can start with FNBO telling me why they think their practices are fair, proportional and reasonable. I don't think they can. They will simply say I deserved to have my credit line closed because I failed to pay a valid ( tiny ) debt, albeit one they didn't bother reminding me I had. I also think that giving me a pro-rata refund of my annual " membership '' fee of {$70.00} would demonstrate good faith. I don't need FNBO, their card or, frankly, any part of the {$70.00} back. What I need is transparency so I can manage my consumer debt without stumbling into a trap with major consequences by with such a minor misstep. Using this case, I would like to push for more transparency in credit decisions so that consumers don't have to make costly guesses.
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| 10/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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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
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| 01/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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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.
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| 03/15/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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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.
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| 02/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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|
Web |
Older American |
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I applied for a credit card from First National Bank of Omaha but was turned down for reasons that make no sense at all. The reasons listed were : 1. Number of recent inquiries on credit bureau report. Inquiries can be either hard ( I requested them, via some application for credit ) or soft ( initiated by some inquiring agency, through NO ACTION of mine ; I have no control over this and dont know what would have caused them ). I have had no hard inquiries on my XXXX credit report. I have several soft inquiries : two from XXXX and XXXX from XXXX. I have no idea why XXXX made these inquiries. I have a credit account with XXXX, which I have had since XXXX, but I have not used this account in the calendar year XXXX. I cant remember when I last used it, in fact, although I could look through my records and find out. Maybe they were wondering whether they should keep the account open because I have not used it for so long. But I do not see any reason why this should count against me in any way. As for the XXXX inquiry, I did initiate that, indirectly, because the IRS had sent me a letter telling me that they had a concern that my XXXX income tax return might have been fraudulently filed. It was not, and I was trying to verify my identity to them, online. I was not successful in doing that, and had to seek help from my XXXX. XXXX, XXXX XXXX. His office informed me that there had been a lot of fraudulent claims in XXXX and XXXX because of the Covid relief payments, and many people experienced these inquiries. XXXX XXXX office did investigate, and found that in fact the IRS had cleared my account and closed my case.
There was also an inquiry listed as being from XXXX itself, which evidently was my own request for my credit report, which in fact I did request on XX/XX/XXXX.
2. Available credit on open bankcard accounts. I have only two credit accounts : the one with XXXX, which I mentioned above, which has a credit limit ( unused ) of {$750.00}, and a Visa card with XXXX XXXX XXXX, which has a credit limit of {$5000.00}. It does not seem to me that {$5700.00} is a very high total credit limit, although I am not sure whether this complaint from First National Bank of Omaha is that the limits were too high or too low. Perhaps this is too low, although I do not know why that would be a negative item on my credit report.
3. Number of real property accounts. Its true, I have no real estate loans. So what? Why is this negative item on my credit report?
Furthermore, there is a statement that I did not score well compared with other applicants. This makes no sense when I am applying for a credit card ; each applicant, it seems to me, should be considered entirely on their own individual credit worthiness. Im not applying for a limited resource such as housing, where applicants would be competing for an asset.
There is some additional information in this letter explaining things that adversely affected my credit score. I am not sure whether this information is from XXXX or from First National Bank of Omaha, but in either case, these also make no sense. They are as follows : 4. Too few accounts currently paid as agreed. I have, as I stated above, only two open accounts, and they are both being paid as agreed and have been for the entire time being reported by XXXX, since XXXX XXXXthe last seven years. This complaint sounds as if my score might be higher if I had more accounts, but I have no need of any more.
5. Lack of recent installment loan information. Its true, I have no installment loans. I have no need of any ; there is nothing that I need to buy that I could not pay for out of my current assets.
6. Too may inquiries last 12 months. I have addressed this issue above ( # 1 ).
7. Too many accounts with balances. I dont know what this means. I have ONE account that could be said to have a balance because I use it fairly often. But I always pay the full amount due, every month, so even if there is a balance, it is never an overdue balance and is never more than 60 days old, at the most ( e.g., if I charged something immediately after the last account cut-off date and didnt pay it until the last possible day before the required payment date. I dont think there is anything that actually falls into such a 60-day time period ; most balances would be about 30-45 days old ). There is one other account that shows up on my XXXX credit report, from XXXX XXXX XXXX. ( For some reason this is listed twice on my report, although it is really only XXXX account ; the information is identical. I think maybe XXXX XXXX XXXX re-issued the card with a different account number because their system had been hacked into ; I seem to recall there was a problem like that. This, again, was something I had no control over. ) This account was closed in XXXX, XXXXseven years ago. I dont see how it could have any relevance to my current credit status.
All of my credit accounts ( all TWO of them ) are listed as Open/Never late. I dont know how this could be any more positive. My credit score, moreover, was XXXX, which seems to me to be fairly high, considering that it could vary from XXXX to XXXX ( XXXX = XXXX percentile ).
In short, there is nothing negative enough in my credit report from XXXXthe agency that First National Bank of Omaha reports that they usedto deny me the credit card I applied for.
|
| 03/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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Web |
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On or about XX/XX/XXXX, I legally changed my name and gender with the state of Texas. I was : XXXX XXXX XXXX, XXXX. I am now : XXXX XXXX XXXX, XXXX. At that time, I began to send in to all my credit card companies, FAFSA, my grad school, my church, etc., the copies of the certified court documents. I experienced difficulty changing my name and gender with First National Bank of Omaha ( FNBO ). FNBO wanted ONLY certified copies from the court which cost me about $ XXXX for each copy. I submitted information to FNBO as they requested and about a month later figured out they had done nothing. I contacted them to find out what was going on and was told, 'we never received your information. ' I was told by the agent I had to submit another certified copy, which was $ XXXX for me. About six months AFTER I sent in the second packet, I received a new card with my new name. The online account and app though, still reflected my dead name. I ignored this until now.
On or about XX/XX/XXXX, I changed my address to XXXX XXXX XXXX, XXXX TX XXXX and promptly submitted all address changes, etc.
From around XXXX - XX/XX/XXXX, I used my FNBO card to pay rent a TEMPORARY location : XXXX XXXX XXXX, XXXX TX and updated my address in my accounts. No XXXX address form was used for this TEMPORARY address.
Then in or around, XX/XX/XXXX, I sent in a XXXX change of address to reflect my permanent address of : XXXX XXXX XXXX XXXX XXXX TX XXXX and I updated my email address for all accounts. I changed my email from : XXXX, and changed it for all accounts to : XXXX.
In or around XX/XX/XXXX, I noticed a {$200.00} charge that I did not recognize. I disputed the charge by calling in to FNBO to do so. I spoke to an agent and told them I don't recognize that charge and did not remember making the XX/XX/XXXX charge. It was at this point that things began to go badly with FNBO. I was told by the agent on the phone that my phone number of XXXX was NOT verified and that the XXXX address was also NOT my address. Funny that someone else in XXXX knows what part of the country has the audacity to tell me I don't live where I live and that the phone number I gave was incorrect. I was told to go to MY local bank and ask a teller to call FNBO to prove to them that I was who I was. I don't have a LOCAL bank as it's Texas and they all take Fossil Fuel money. I use XXXX XXXXXXXX XXXX that is Fossil Fuel investment free. I have had no problem with my online bank or other credit cards verifying my identity, have never ever been told to go to MY local bank to assist another bank in verifying who I was! I went to a local credit union, XXXX, to do what the woman told me to do and was told by XXXX that they have not heard of this, would not do it, it was an unusual ask the teller told me. An XXXX nightmare began.
Around XX/XX/XXXX, I received an email at : XXXX from FNBO stating I had a balance and to pay it off. However, neither the app or the online features for payment were available! Both online and in the app stated I had a {$0.00} balance with nothing owed. And, the email address the alleged FNBO email used, was NOT my email address on file as you will see in my attached documents. In XXXX, I received an email at otconsulting stating my payment was late and now I had late fees to pay as well. But the app and online accounts still read {$0.00} owed. Confused, on XX/XX/XXXX, I called FNBO and was told that they could not verify me that my phone number was wrong and that I had to go to MY local bank and they ask them to call FNBO to prove my identity.
I am complaining because I am receiving emails from FNBO at an old email address that I don't use for critical things, like banking and cards. I find the online and app to state I don't have a balance. I have forwarded and reported the alleged FNBO email to FNBO and reported it as phishing. The email has the wrong account number even! I don't know if FNBO is targeting me because I filed name and XXXX change orders, or they have been hacked and have told no one. I don't know what is going on but I have a 20 year history of on-time payments and a good credit score despite all the student debt I will never get paid back that makes my income to debt ratio horrible. I have NEVER been refused access to my account, ever. It's XXXX, why do I need to go to a some local unknown entity to prove my identity? XXXX did not ask me this. My XXXX XXXX XXXXXXXXXXXX XXXX, never asked me for this. Why is FNBO doing this? I don't want some non-payment on my credit report IF I owe money. Why won't FNBO use the correct email address - see attached documents of the account information I am seeing.
I have now written FNBO to close this account which will DROP my credit score for some reason. And why do credit scores drop if we do not own a home? I have real issues with that too. I've had 7 homes and each time after I sell, my score drops over 100 points. Anyway, FNBO has some real customer service issues, some IT issues, and maybe they were hacked. I need help. If I owe, I want a paper statement as to why I owe, I want a paper statement with the correct account number, etc.
|
| 04/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
|
|
Web |
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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
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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|
Web |
Older American |
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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!
|
| 09/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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|
Web |
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I am filing this complaint because my credit card company gave me misleading information in order to get me to make a balance transfer from a different credit card to theirs. In XXXX of 2022, I called the First National Bank of Omahas ( FNBO ) customer service line at XXXX to get details regarding their limited-time balance transfer offer. The customer service representative for FNBO confirmed that the special would take a balance from a higher interest credit card and allow me to make monthly payments on that transfer at a rate of 4.99 % fixed APR until that balance was paid off. I was further informed that I could continue to use the credit card for regular purchases, and that if I paid these purchases off each month, I would not accrue any regular purchase interest at the variable rate ( currently 24.24 % ). I have always paid my purchases off fully each month to avoid the higher interest. I fully understood and accepted that I would be accruing interest on the balance transfer at the 4.99 % rate. I agreed to this offer and on XX/XX/2022 I transferred a balance of {$5700.00} to my FNBO VISA.
When I received my XX/XX/2022 FNBO statement in XXXX, I observed the balance transfer amount as expected. On XX/XX/2022 I called FNBO customer service at XXXX and spoke with XXXX. I asked XXXX what my XX/XX/2022 payment should be to avoid any interest on my regular purchases and he replied Pay all of your regular purchases AND your Minimum Payment Due to avoid the higher variable interest rate. On XX/XX/2022 I paid {$560.00} as instructed to do by XXXX. When I received my XX/XX/2022 FNBO statement, I observed a charge of {$9.00} for interest on regular purchases at the rate of 24.74 %. On XX/XX/2022 I called FNBO customer service at XXXX and spoke with XXXX. She told me that the interest was a mistake and that she would credit that back to me. I asked XXXX what my XX/XX/2022 payment should be to avoid any interest on my regular purchases and she replied Pay all of your regular purchases AND your Minimum Payment Due to avoid interest at the higher variable rate. On XX/XX/2022 I paid {$690.00} as instructed to do by XXXX. The {$9.00} interest wrongly charged to my account was credited back to me as promised.
When I received my XX/XX/2022 FNBO statement, I observed a charge of {$14.00} for interest on regular purchases at a rate of 25.49 %. On XX/XX/2022 I called FNBO customer service at XXXX and spoke with XXXX. She told me that the interest was a mistake and that she would credit that back to me. I asked XXXX what my XX/XX/2022 payment should be to avoid any interest on my regular purchases. She put me on hold and after speaking with a supervisor, she informed me that the only way to not accrue interest in the higher variable rate was to pay off the entire credit card statement balance ; including REGULAR PURCHASES AND THE FULL BALANCE TRANSFER AMOUNT. I questioned this response and XXXX again explained that I can not use the credit card for regular purchases if I do not want to pay interest at the 26.24 %, no matter how much I paid each statement. I told XXXX that the balance transfer special was deceptive and that I would be filing a complaint against the FNBO.
On XX/XX/2022 I paid {$800.00} to the FNBO. This amount was {$140.00} MORE THAN the amount of my regular purchases AND my Minimum Payment Due combined. When I received my XX/XX/2022 FNBO statement, I observed a new charge of {$12.00} for interest on regular purchases at a rate of 26.24 % ; even after paying MORE THAN the amount of purchases AND the Minimum Payment Due. The {$14.00} charge for interest from XXXX was not credited back as promised by XXXX. Each call to the FNBO customer service line averages approximately 40 to 50 minutes. The representatives are very friendly, but this is a very frustrating use of my time as a customer. I can not continue to place these unproductive calls.
At this time I am not able to pay off the balance transfer in full. The whole reason I made this transfer was to be able to make monthly payments at the limited-time special low rate. The FNBO is now forcing me to either stop using my card for regular purchases, or to pay off my entire balance. I believe I was tricked into making the balance transfer to begin with. I am looking to have the interest from XXXX ( {$14.00} ) and the interest from XXXX ( {$12.00} ) credited back to me. I also want to be provided with a fair and reasonable formula regarding regular monthly purchases and the balance transfer amount. I have NO PROBLEM with paying the 4.99 % balance transfer interest each month as I agreed to from the start. Thank you for looking into this matter.
|
| 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
|
|
Web |
|
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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?
|
| 01/28/2023 |
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
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|
Web |
Older American, Servicemember |
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I have been pursuing a resolution to an error I made on XX/XX/XXXX when I made a XXXX XXXX payment of {$2600.00} to XXXX XXXX instead of sending it to the new XXXX XXXX XXXX account When I discovered the error I called the number on the back of the XXXX XXXX XXXX card and was connected to XXXX instead. I explained to the XXXX representative what had happened and she said that it would be corrected and no interest would be charged. She also asked me to fax my XXXX XXXX XXXX XXXX Banking transaction showing I had sent the payment to XXXX. This I did on XX/XX/XXXX.
When the XXXX statement came in XXXX with no correction, I called XXXX and was told that it could take up to two billing cycles to clear. No mention was made about the fax I had sent.
When the XXXX XXXX statement came and still no correction had been made, I called and was told I needed to have included an official document from my bank showing the transaction with a tracing number. I immediately went to my bank and they gave me a document showing the Automated Clearing House ( ACH ) debit was payed XX/XX/XXXX to XXXX XXXX XXXX in the amount of {$2600.00} with a trace number of XXXX, This I faxed to XXXX on XX/XX/XXXX.
When the XXXX XXXX statement arrived with no correction I called and was told that XXXX was receiving batches of accounts forwarded by XXXX and it would take time to go through them and apply them to the new accounts. No mention was made of the fax I had sent in XXXX. I was getting the feeling I was being put off so I asked for a valid number to contact XXXX myself and your representative XXXX obliged me with XXXX.
I called XXXX and their Representative transferred me back to XXXX. I called back to XXXX and made clear I wanted to talk about the Old account. He looked it up and saw that it had been credited the {$2600.00} and he said it would take 17 business days to receive a refund check. He also sent me XXXX replacement statement showing the XX/XX/XXXX. XXXX payment.
XXXX came and no correction to the XXXX account and no check from XXXX, I called XXXX and they said the request for a refund would be resubmitted and it would take 2-3 weeks. I also called XXXX and was told that the Fax I had sent in XXXX contained only the cover sheet and would need to be resent. I resent it on XX/XX/XXXX I called the next day and XXXX said they did not receive a fax at all so I sent it again on XX/XX/XXXX. I called XXXX on XX/XX/XXXX, XXXX, This time they had received it but your representative told me that the XXXX accounting department had said unfortunately XXXX XXXX has your money and you will have to deal with them.
I called XXXX immediately and was transferred to a XXXX who told me XXXX had purchased those accounts and XXXX no longer had access to them. We went back and forth for over a half hour and she just repeated the same phrase.
In the mean time I had sent certified letters to both Banks trying to get someone to listen but got no replies.
I then sent a complaint naming XXXX XXXX to the Consumer Financial Protection Bureau and to the XXXX XXXX XXXX. This got action and I received email from XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that XXXX had sent XXXX the {$2600.00} in the account ( OLD ) To XXXX around XX/XX/XXXX. I faxed this email to XXXX on XX/XX/XXXX. I called XXXX and was told they need more specific, they could not find that account.
XXXX XXXX XXXX XXXXXXXX then sent me an email saying XXXX had sent through a trailing file XXXX wire transfer # XXXX XXXX to XXXX with my payment. I called XXXX on XX/XX/XXXX and spoke with XXXX. She was very kind and took the information and passed it on to your accounting department. She said she would call me back the following Wednesday. When I did not hear anything I called on Thursday and was told that XXXX was busy but she would be told I called.. I called back on XX/XX/XXXX, XXXX and spoke with XXXX who told me Accounting was still working on my case, but they had a lot of accounts from XXXX to go through and XXXX would call me when they had more information.. This is what I was told back in XXXX!
I would think that six months is plenty of time for XXXX XXXX to have found my payment. You don't have {$2.00}, XXXX laying around gathering dust since XXXX while my account gathers interest payments do you? I want my account cleared of this payment and all interest remove
|
| 03/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I sent out debt validation, cease & desist, Affidavit, exhibits ( proof ) and invoice. XX/XX/XXXX. Will upload all documents and got it notarized, certified mail w/ return receipt.
I know who I am as a consumer, I know my consumer laws/rights, I study Truth in Lending, I study Fair Credit Reporting Act ( FCRA ), I study Fair Debt Collection Practice Act ( FDCPA ), I study Equal Credit Opportunity Act. I am federally protected under 15 US Code Chapter 41. I know the legal actions that I can take and will take if necessary.
AFFIDAVIT OF TRUTH Notice to all, I, am that l am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit C that First National Bank Omaha is in violation of 15 USC 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that First National Bank Omaha is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that First National Bank Omaha is in violation of 15 USC 1692c ( 3 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit E that First National Bank Omaha is in violation of 15 USC 1692d ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that First National Bank Omaha is in violation of 15 USC 1692d ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that First National Bank Omaha is in violation of 15 USC 1692d ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit D and Exhibit E that First National Bank Omaha is in violation of 15 USC 1692e ( 2 ) ( a ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit D that First National Bank Omaha is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C and Exhibit D that First National Bank Omaha is in violation of 15 USC 1692f ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that First National Bank Omaha is in violation of 15 USC 1692f ( 8 ) Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do require subrogation of the bond to settle the charge.
On the date of XXXX, XXXX, XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as a flesh and blood living being ( non-entity/non-debtor ) under oath to the most high of creation only and provided the facts listed herein.
Printed Name : XXXX XXXX__________________________________________ Signature : _________________________________________________ Sworn to or affirmed by and subscribed before me on the__XXXX___ day of __________XXXXXXXX, year XXXX Notary Name : ___________________XXXX XXXX_______________________________ Notary Signature and Seal : _________________________________________
|
| 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
|
|
Web |
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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.
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| 01/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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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.
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| 04/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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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
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| 12/11/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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Web |
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I'm writing to address a matter of significant concern regarding recent adverse actions taken upon my credit accounts, I believe that there might have been an misunderstanding and I kindly request your attention to this issue for proper investigation and resolution. In XX/XX/ I submitted an application to FNOB which served as a valuable security purchased by the bank, as they are the borrowers as defined by Congress in 12 U.S. Code 1431. Despite this understanding, FNOB has unjustly refused to grant me access to the Installment loan I requested, thereby impending on financial opportunities and violating regulations governing fair lending practices. Consumer credit transactions are initiated using credit cards in accordance with 15 U.S.Code 1602 ( l ) a credit card is any card, plate, coupon book, or other device used to obtain money, property, labor or services on credit. I am the holder in due course, as I presented the credit card to initiate the transaction. In pursuance to 15 U.S.Code 1602 ( n ) and its not possible for me to be denied for something I initiated. I am granting your corporation the right to extend credit as defined within 15 U.S.Code 1602 ( f ). I frequently in connection with loans as outlined in 15 U.S.Code 1602 ( g ) as the original creditor. I understand my rights and reporting to the consumer reporting agencies is voluntary as per the CFPB this is a private transaction. Nowhere does the term adverse action in the FCRA mention the denial of credit to a natural person and I expressly granted FNOB permission to extend to me my right to credit because I am credit worthy and in good faith. The right to extend credit belongs to me and I'm the one who extends credit to borrowers pursuant to 15 U.S.Code 1602 ( g ). According to 12 U.S.Code 1431 the power and duties of banks is to borrow and pay interest. This is a consumer credit transaction and this is an unfavorable situation to me as a consumer. Furthermore, my credit was used and I received no benefit from the use of my credit. As inquiry appeared on my consumer report indicating a transaction where someone profited from my credit and I gained nothing. In fact fact this caused me mental and financial damage as defined by 15 U.S.Code 1602 ( p ) term unauthorized use as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from wwhich the cardholder receives no benefit. So I have been discriminated against as there are no federal laws allowing a credit score to extend credit. In good faith I exercise my rights and as a natural person I face discrimination and pursuant to 15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. The Federal Reserve Act provides for the utilization of securities as collateral for various financial transactions. I believe FNOB has utilized my security without my consent or proper compensation, thereby infringing upon my rights as a securities holder, thus commiting fraud pursuant to 18 U.S.Code 1348. The concept of equity of account ensures that all parties involved in a financial transaction are treated fairly and interest of securities holders, such as myself are protected. I believe that FNOB has denied my rights to equity of account by not providing me with the appropriate benefits and compensation associated with the utilization of my collateral security. As a financial institution and national bank FNOB has legal obligations to comply with the the Federal Reserve Act and other applicable laws & regulations. This includes ensuring that the rights of security holders are respected and that fair and transparent financial practices are followed. It is crucial to ensure that FNOB upholds its fiduciary responsibilities, complies with fair lending regulations refrains from engaging in fraudulent activities and provides me with the credit access I am entitled to based on the security l provided.
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| 12/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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At the end of XX/XX/2021, I submitted a request to get in touch with a mortgage loan officer at First National Bank of Omaha to discuss a refinance on the mortgage I currently held with them. XXXX XXXX reached out to me on XX/XX/XXXX to discuss rates and options. I agreed to move forward with the application. On XX/XX/XXXX XXXX offered a XXXX yr conventional loan for XXXX XXXX at a cost of {$460.00}. I agreed and we proceeded. While my wife and I completed each of the forms and submitted all necessary paperwork by XX/XX/XXXX. Initial documents provided by FNBO on XX/XX/XXXX did not include a credit to offset an appraisal fee ( which had been agreed was not needed as we were only requesting a $ XXXX loan on a house worth $ XXXX ). XXXX said he would get the paperwork corrected and escrow amounts more accurate after that weekend.
He said that I should just acknowledge receipt of the information, and that I was not agreeing to the terms. I signed off to keep the process moving forward. We unfroze our credit scores, and our credit checks were performed on XX/XX/XXXX, then sent to underwriting. On XX/XX/XXXX I checked in as I had still not received the updated documents that XXXX said he would send me. He said he would send them over. He did not. I checked in again on XX/XX/XXXX and asked for updated documents ( showing no appraisal cost and more accurate escrow ). I was at first told that I would receive the documents later that day, and then at the end of the business day told I would not receive them because some of their computers in that department were " out of commission. '' I finally received the updated preapplication worksheet from XXXX on XX/XX/XXXX providing estimated closing costs- and showed the XXXX APR for 30 years at a cost of {$460.00}. XXXX said we were scheduled to close on XX/XX/XXXX. XX/XX/XXXX came and went, XXXX said that new purchases were getting priority and the lack of people at the bank was slowing down processing. I followed up on the XXXX and was told underwriting needed XXXX letters of explanation stating that our house was for our primary residence, and the request for those forms would be coming through the FNBO mortgage app shortly. I did not receive anything, so I followed back up on XX/XX/XXXX. We got the documents request through the app, created and signed the letters of explanation within XXXX hours ( while we were still at the hospital following the birth of our daughter ).
I received the final disclosure documents from underwriting on XX/XX/XXXX, but they had changed the term from it costing {$460.00} for the XXXX APR to instead costing {$4600.00}. Believing there was just an honest mistake in where the decimal was placed, I reached out to XXXX immediately to get it corrected. He told me not to sign that document, but to provide any other documentation needed. I uploaded another round of paystubs on XX/XX/XXXX, and he said he would work on getting the document fixed. From that point forward, every couple of days I would follow up with XXXX, and be told the problem was being actively worked on, or that it would be fixed later that day. Finally on Friday XX/XX/XXXX, I got on the phone with XXXX to discuss what was going on. I was informed that someone in the underwriting department had made an error, as the request submitted by him was for the {$460.00} price, but that the person in charge of that department was refusing to correct it and honor the original terms that were agreed to. XXXX said he was taking it up with his boss and his boss 's boss, but there was no clear advancement, and the other department was taking a " take it or leave it, '' approach.
This is a quintessential bait and switch, where if in waiting for this bank to honor the terms we'd agreed to, when they decide to change them, the market may have shifted such that I can no longer get the rate anywhere else. This leaves me forced to either pay thousands of extra dollars to FNBO in the short term, or potentially pay thousands more if I go to a different bank with different rates.
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| 08/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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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.
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| 04/28/2015 |
Yes |
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Web |
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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.
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| 09/02/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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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.
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| 10/24/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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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.
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| 02/18/2017 |
Yes |
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- Credit card protection / Debt protection
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Web |
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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
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- Other features, terms, or problems
- Other problem
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Web |
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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.
|
| 04/17/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have a formal Letter written but basically my realtor recommended this lender because i believe they work in the same building and i feel as if they were working against my better interests. We moved up our closing date and then they dragged their feet until what felt like last minute and then multiple issues all of a sudden started happening.This issues were, 1. Not being able to contact my house insurance the day of the closing instead of using the entire week to contact them and make adjustments, 2. Calling us shady when our lender did not understand the terms of which our contract was written, and 3. the bad treatment and hostility towards questions. It was a terrible experience and I would have 1000 % went with a different lender if it was possible. I also will be avoiding work with my realtor XXXX XXXX XXXX XXXX as he was part of the issue. I will focus on issues with my lender since that is ultimately what this report is about.
Here is my letter it will be attached below.
Dear XXXX, I am writing to express my dissatisfaction with the treatment and pressure I received when working with my loan XXXX, XXXX XXXX, during the home buying process.
I felt that our timeline was too short to review the closing disclosure before having to sign the closing paperwork. I understand that there are certain time constraints when closing on a home, but I felt like I was being rushed and did not have the opportunity to review all paperwork as carefully as I would have liked. We received the closing paperwork only a day before having to go in and close. In addition, it seemed we were constantly at odds with both my lender and our Realtor, XXXX XXXX from XXXX XXXX, which left me feeling like they were both working together against our best interests. The whole experience very much felt like Red Team ( Lender and Realtor ) vs Blue Team ( Us ) as they ( XXXX and XXXX XXXX have a lot of experience working together.
The final processes of our loan were extremely painstaking and took many hours of my own time to work through. This invested time was not because of standard documentation and providing information, but rather from multiple issues that were thrown our way by their ( XXXX and XXXX ) collective front. Without getting into too many details, our actions were called " shady '' multiple times by XXXX as she did not understand the contents and language of our offer to the home buyer. Our Realtor, who did not clarify these details, is also at fault for creating this situation and not informing XXXX. That being said, I did not appreciate her comments nor the lack of action she took to rectify the situation and bring clarity.
I believe that it is important for customers to receive a fair and unbiased experience when working with loan officers and Realtors. I know that the home buying experience is not stress free but should not take multiple hours of our own time to work through a simple misunderstanding that could have been easily addressed by either contacting the Realtor or asking for clarification from both of us using some kind of mass communication. I hope that you will take the necessary steps to ensure that this issue is addressed and that similar issues do not occur in the future and that retaliation is something that we should not fear as I do feel targeted at the end of this process as much of it felt personal.
If more information is needed about the situation, I am more than happy to oblige in sharing it as this entire process was extremely frustrating and saddening. Please feel free to reach out to me at ( XXXX ) XXXX or at this email.
Thank you for your time and attentiveness.
Sincerely, XXXX XXXX XXXX & XXXX XXXX
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| 05/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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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
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- Getting a credit card
- Problem getting a working replacement card
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|
Web |
Older American, Servicemember |
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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.
|
| 02/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
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|
Web |
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XXXX advertised a 5.99 % balance transfer deal on my XXXX XXXX plus card. Before taking the deal, I called to ask how the interest was calculated on purchases and they told me " just pay the purchases in full plus the minimum in order to avoid any interest on purchases balance. '' Before transferring the balance to my XXXX account, I've been paying my balance in full each month. So when the balance was transferred, I was at a XXXX balance. Each month, the minimum is less than {$100.00}. So I pay the purchases amount listed on page one of the statement and add {$400.00} to that amount. There's no way that I could be behind on purchases.
Ever since I signed up, each month they charge me an interest charge on " purchases '' despite the fact that I had paid off purchases in full. So, I've called them to dispute the " purchases '' interest charge each month. ( The " balance transfer '' interest is not in dispute. ) In the last several months, the bank representatives agreed with me and credited back the disputed interest. Last month, they said that they didnt think Id have to call again about it. XX/XX/2023 I had to call again as they mis-charged interest on purchases yet again.
The rep stated that I have to pay the whole balance in full in order to avoid the 18 % interest charge on purchases. I told her that was wrong and asked to escalate the call. The manager came on the line and used some confusing language regarding math and how the payments are applied and said that the purchases amount listed on the statement was not the actual amount that I spent in the billing cycle but that it was an average used to calculate interest. In an effort to cover up the mis-charge, he likely was thinking that like most people I was in the habit of paying the minimum amount plus that purchases amount because that obfuscation would work if it was just {$50.00} or {$100.00} being the difference between this so-called average and the so-called actual purchases amount. When I told him that I was paying {$400.00} over the purchases amount and had been doing that for the entirety of the balance transfer period, and so theres no way that I could be behind. He took a closer look and then changed his story saying, oh, you know what, you do have to pay both balances in full in order to avoid an interest charge on the purchases. He changed his story and then just started lying and being argumentative, just a bunch of liars excuses, a constructed, de-facto reality.
When I called him out on changing his story, he just denied it and continued with his liars constructed reality. I asked to escalate the call higher than him and he said that it was impossible and that there was no one higher than him.
I pointed out, " I'm not a lawyer, but if these terms were a part of the deal from the beginning ( which they were not ), that the deal cant be legal. '' If a consumer is told that they would be paying 5.99 % interest on {$2000.00} ( the amount of the balance transfer ), but in reality they are paying 18 % on $ XXXX because they charge about $ XXXX each month on purchases, if this fact were disclosed in the advertising, then no rational person would take this deal.
They get you to sign up by incentivizing you with the 2x awards on purchases at the XXXX dealership for products and services for your car. Then you start using the card for almost everything so that you can get free stuff, then one day you transfer a balance because 5.99 % is a good deal. The next thing you know, youre getting ripped off.
|
| 11/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I contacted First National Bank of Omaha ( FNBO ) regarding transactions that had a value that I did not authorize, upon communicating to FNBO that the transaction I did not authorize had deducted an unauthorized value from my account with FNBO, FNBO representative did communicate false information to FNBO against my will specifying to FNBO that my card had been lost or stolen when in fact I did not report my card lost or stolen, my card was in my possession and I was disputing a transaction.
Upon logging into the FNBO website, the online banking system indicated that I had a {$0.00} balance to pay.
Inaccuracies in accounting and false reporting in accounting are very serious and I would like fore this circumstance be handled with delicacy as FNBO has failed to service my account with accuracy and that is illegal.
Any FNBO representative communicating false banking information to FNBO is liable and should be held accountable for any mistakes made.
I was later, on a separate date told that my account had been closed.
Proof that account balance showed a {$0.00} balance is provided with this written communication.
Additionally previous to the account being closed the appropriate protocol to have followed specific to a card being shut down is to provide a new card to account holder and FNBO not only closed the card without my consent, authorization, permission and did so against my will, FNBO employee also falsely reported that my card was lost or stolen and FNBO has failed to issue a new card post the false report and previous to the closure of the account.
FNBO thus is in violation of 817. FALSE ENTRIES ( 18 U.S.C. 1005 AND 1006 ).
This issue is not yet resolved and FNBO should not have reported or continue to report late payments or any negative information to credit bureaus due to FNBO failing to service my account with accuracy.
Please contact me at your earliest convenience pertaining to this matter.
I am unaware if FNBO historically has had a documented history of other examples of financial inaccuracy in reporting yet I certainly am making best effort to report false accounting on behalf of FNBO and fraudulent behavior on behalf of the FNBO employee/representative that reported falsely to FNBO information that I did not detail.
I find this circumstance to be either negligent or intentional and I am not accountable on behalf of FNBO for FNBO representatives nor any singular FNBO representative failures in accuracy and accounting.
FNBO customer service representative made mistakes and reported inaccurately.
FNBO website indicated I had a {$0.00} balance to pay and I conducted no transaction after website indicated {$0.00} balance ( I have an image of the account from the FNBO website explicitly stating that the balance on the account was {$0.00} with a {$0.00} Minimum Payment Due Date as XX/XX/2021 with Balance of Last Statement listed as {$0.00}, Available Credit of {$0.00} and Total Credit Limit of {$3100.00} ) yet FNBO has sent the account to collections.
FNBO failed to provide proper response to account transaction dispute.
FNBO failed to provide me with a new card after illegitimately shutting down the card I had in my possession.
FNBO closed my account without rectifying errors in accuracy in reporting regarding card being reported as lost or stolen by FNBO representative without me reporting card as lost or stolen.
FNBOs failure to service my account with accuracy has caused unnecessary complications and should be held accountable.
|
| 08/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
On XX/XX/2022 I paid the amount of {$590.00} on my XXXX Credit Card, XXXX XXXX XXXX XXXX XXXX.... XXXX did not credit my statement ( and still has not ) because apparently they were switching over their bank processing payment from XXXX to First National Bank of Omaha. The new account number ends in XXXX.
I then started receiving late payment emails and phone calls. I called on XX/XX/2022 and spoke with XXXX. First she tried to tell me that I had made a mistake and I had been clearly notified that I could not pay my bill online. She was quite insistent that it was my problem. I then pointed out to her that she was incorrect, as the statement only says that online bill pay is not permitted from XX/XX/XXXX and XX/XX/2022, and I made the payment on XX/XX/2022. Morever, my husband also has a XXXX card and I made his payment on XX/XX/XXXX ( to XXXX ) which transferred over to the new XXXX account. After I read the language on my statement to XXXX, she finally yielded and said that she would put a note in the file that the payment had been made, and initiate the transfer with XXXX. She told me that would " take awhile '' so I should also called XXXX. She gave me the phone number of XXXX. I tried it, was put on hold for 30 minutes, then hung up on.
I then received an email telling me that my XXXX payment was late, and my XXXX statement has a late charge on it. I paid the minumum due over the phone while on vacation to at least stop the harrassment. When I returned from vacation, I called customer service. XXXX told me that I had been given a fax number ( I wasn't ), that " some XXXX payments got transferred whereas others didn't '' and that I would have to go to my bank to prove I made the payment. I pointed out that my husband 's payment ( from the same bank account ) to his XXXX card that I made on XX/XX/XXXX was transferred seamlessly to the new account number, so obviously it was possible. She told me ( again ), that it was basically my problem to prove I had paid.
I asked to speak to a supervisor ( XXXX ) who was very nice, and I explained this felt like gender discrimination. I offered to email or fax my bank statement and she said that would not work, they needed proof from the bank itself, something called a " trace id ''. I would have to go to the bank to get that. After some time, she offered to stay on hold while I called my bank, which after again being put on hold, I found someone who could access my bank records and provide XXXX with the " trace number. '' My bank stated clearly that they would not fax it ( XXXX asked for it to be faxed ) and then XXXX reluctantly accepted the bank " trace number '' as proof, but told me it would be a long time. Meanwhile, they did not, as promised, get rid of the late charges or make a note in the file that the payment had been made.
I do believe this is gender discrimination. There is a pattern of credit card companies harrassing me in ways that my husband does not have, not accepting my word, and refusing to assist me when I call. I had all the information at my fingertips, I gave them the date of the payment, and they refused to credit me. When I finally get exasperated after the 3rd call, and the long waits on hold, and the conflicting information I am receiving, they often tell me to " calm down! '' Someone who was not a lawyer would have given up and just paid the extra money. Hopefully this has been resolved now, although I was told it would take " several days or some time. ''
|
| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Older American |
|
First National Bank of Omaha Nebraska ( FNBO ) has, finally, advised me in writing that this bank reduced my credit line from {$5000.00} to {$1000.00} after I was in the dark about this action for some time.
I only discovered this took place when XXXX, a bank with whom I no longer do business, notified me via email.
When I called FNBO, they finally disclosed to me this : They reduced my credit line due to what I was told was a " DEROGATORY PUBLIC FILING/COLLECTION '' provided by XXXX.
Shocked, I asked -- during my approximate XXXX hours on the phone with various departments -- what " DEROGATORY PUBLIC FILING/COLLECTION ''? I was told by XXXX XXXX of Credit, after being transferred numerous times, that she didn't know precisely. She stated it would be clearer after I received the letter they sent me which I hadn't received at that time.
After quite some time of arguing and negotiation about the unfairness of this due to the fact that I had just re-financed my XXXX percent credit card with them, transferring the balance to VT XXXX XXXX XXXX at XXXX percent and paid FNBO in full the {$4500.00} balance which -- INCLUDED I AM ESTIMATING BUT NEED TO CONFIRM -- over {$1500.00} in interest.
I had refinanced, based on what Vermont XXXX XXXX XXXX 's representative told me a XXXX XXXX credit score. That is an estimate based on my memory since I had not seen this score because I have been unable to procure my reports due to identity theft and the stupid questions they asked me which I could not answer because they didn't synchronize with my personal nor financial life!
After much negotiation and references to the giant mail heist on XX/XX/XXXX and XX/XX/XXXX in my apartment building resulting in one of my stolen FNBO cards ( and XXXX pages of a confirmed-but-missing set of hospital confidential medical records sent to my locked mailbox ), XXXX XXXX finally agreed to electronically send me my alleged letter advising me of this credit line plunge.
I received that via encrypted email. This email contains references which suggest that the information allegedly and reportedly supplied by XXXX are libelous and inaccurate.
It took me days to procure my three credit reports because two of the agencies refused to provide my reports because I couldn't answer " properly '' questions about a XXXX I supposedly owned from XXXX XXXX XXXX XXXX, a student loan which I do not have.
And, since I only own a bicycle gifted to me after my steering broke, there is no way I own a XXXX or any other car, especially a luxurious one.
As a tangent, for the moment, someone did call me using a caller ID of " XXXX '' which appeared to be a harassing/possibly scam call. And, I have been intimidated, while cycling, by luxury cars like a new XXXX convertible which abruptly cut me off, entering a multi-million-dollar estate property, announcing he was not going to back up. But, when I passed behind him, he did and nearly hit me before speeding off. And, then, I am cut off abruptly by XXXX, which can not be heard. And, a XXXX : VT XXXX : XXXX XXXX There's a stalking component to all of this. Finally, yesterday I was hacked, which was reported to XXXX, by an impersonator impersonating XXXX. I fell for this and gave them all of my passwords and personal information so they could re-set my password for my XXXX account and monitoring on the dark web, as they called it. Instead of it being XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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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.
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| 10/15/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
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On XX/XX/2023 I opened a savings and checking account with XXXX XXXX, a division of First National Bank of Omaha, and deposited {$5000.00}. I deposited additional funds on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( {$11.00}, {$33.00}, and {$33.00} respectively ). When I tried to move transfer money out of the account, I received a message : " Restricted Access : You CAN NOT * Withdraw funds from XXXX * Use debit cards for purchases or at ATMs * Remove a linked bank account * Close your account. '' There is no way to call the bank that they give out, but they do have an online support module on their mobile App which allows me to make inquiries. So, on XX/XX/2023, I asked how long would I be barred from having access to my money. The answer was : " ... Your account is currently under review. During the investigation, our investigation team will reach out directly as needed. Until then, we are unable to provide you any updates or additional information. Thanks! There is no time line. All accounts are worked in the order they are received. '' On XX/XX/2023, I sent a new inquiry, " Received my XXXX debit card today. Currently unable to activate it. How will I know when I will be able to activate? '' XXXX responded : " ... You would be unable to activate your card because of the restriction { on your account }. We want to provide you with a clear understanding of the situation. We enforced the restriction due to multiple fraud alerts originating from external databases. It is our bank 's policy to implement measures such as restricting the account and ultimately closing it when such alerts are triggered. It's important to note that we are currently unable to lift the restriction on your account. Our investigation into this matter will continue until the closure process is finalized. This process might take up to 30 business days. Any remaining funds in the account will be returned to you at that time.
On XX/XX/2023, I sent a new inquiry, pointing out that XXXX now had my money for over a month and I needed to know how much longer they would be holding my money without granting me access to it.
XXXX responded : " ... We want to provide you with a clear understanding of the situation. We enforced the restriction due to multiple fraud alerts originating from external databases ... '' and it continues with the exact wording of the previous inquiry.
It has now been over 30 business days since I opened my account with them. I not only have no access to my money, and they not only will not return my funds, but, they will not even give a date at which time I can get my money.
At this point I just want my money back. I do not wish to deal with these people any longer, and, as a senior citizen on a fixed income, I simply can't afford to have my liquid funds being frozen in a bank account indefinitely. If XXXX has a problem with my account, and suspects fraud ( for which they have never called me or communicated with me in anyway to get confirmation of any information that would resolve the issue ), then they can simply return the funds to the bank account from which it was ACH 'd in the first place.
If they suspected fraud, they should have rejected the deposit of the money. But they took my money and refuse to let me use it, or to even return it.
I need my money returned to me now, as soon as physically possible, preferably by ACH to the same banks from where the funds originated.
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| 12/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Servicemember |
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To begin, I received an offer from FNBO ( First National Bank Of Omaha XXXX credit card XXXX. In brief, I received a credit card with what seemed to be an exceptional 0 % APR offer on purchases, and balance transfers. Therefore, I wanted to contact them to make certain on how their offers worked. I contacted FNBO 2 times in which they needed to send me a code to fully verify me. A point worth mentioning, I had already provided my full name, D.O.B., full address, email address, cell phone number, card number, security code on the card, and my mothers maiden name. Since I have a VOIP both times when I contacted FNBO they sent the code by calling me with a voice automated person similar to XXXX verification. I simply placed them on a brief hold, and then switched back to provide them the code. However, the first week of XXXX when I called FNBO I was unfortunate to have been connected with their representative XXXX. When I attempted to explain to her that my phone is VOIP, and the process in which the other rep 's handled it, this did not go over well. She was quite rude, and when I switched back to deliver her the code she was already in mid sentence telling me the card is locked for fraud purposes. Immediately I explained to her I appreciate the concern, but there must be an easier way to verify me. I provided a wealth of personal information already, and even provided the amount down to the cents in which I had already made a balance transfer. Then the conversation took a most ridiculous turn. She told me that FNBO will not provide me access to my account or speak to me at all about the account until I go to any random bank, and prove my identity?! FNBO demanded that I ask a bank teller to contact FNBO on behalf of me a person who is not even their customer to verify that I am in fact XXXX XXXX. FNBO demanded I provide some random bank my drivers licence, and social. FNBO demanded that I ask a bank teller to take time out of their business day to provide FNBO who they have no business with proof that I am XXXX XXXX. Needless to say, although I will, this is the most asinine process I have ever heard of. The time to do your due diligence as a reputable company is before hand. As humiliating, and embarrassing as FNBO 's demands were I went into not XXXX but XXXX banks for assistance. I spoke with both bank managers who were floored. They both felt that I may be being scammed, and had never heard of such a policy ever. Needless to say they wanted no involvement with this. After leaving the second bank, I made my way over to my local town hall. I called FNBO, and like deja vu spoke with supervisor XXXX. On it's face this can not be an actual policy, because the degree and nature of the process is confusing, and degrading forced upon the consumer. Meanwhile, I explained to XXXX I would be going to a notary public at the town hall in which I would produce to him or her a letter stating who I am where I live, and my required ID 's. XXXX then informed me that would not be sufficient and that I would have to provide my W-2 's as well as other documents. Obviously at that point I had suffered enough degrading and jumping through hoops for FNBO. I am not the only person that has suffered this deplorable treatment by FNBO. If they desire to have a good relationship with this customer they need to correct an egregious wrong. FNBO 's actions, customer care, and lack of respect are shameful.
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| 12/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
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|
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
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| 04/24/2015 |
Yes |
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Web |
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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.
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| 06/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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|
Web |
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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
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|
Web |
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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
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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None of the prompts exactly fits my situation- but here goes : *XXXX XXXX XXXXXXXX - I open a credit card with XXXX XXXX XXXXXXXX . I set up the card for automatic payments ( paid in full monthly by statement date ), and electronic communications only ( email and text preferences ). My credit score is somewhere is the neighborhood of XXXX. I have never had any negative items on my credit score other than identity theft, which, after a large struggle, I was able to get all of the fraudulent activity removed.
XXXX XXXX of XXXX - Without my knowledge and without any communication from XXXXXXXX XXXXXXXX XXXX XXXX my card was sold to Bank of Omaha . Bank of Omaha DID call me and send me notices that I had a balance with them, but I live in Illinois. I had never heard of Bank of Omaha, never opened an account with them for sure, and all of my accounts are set up for auto-pay. My fraud warnings were going off, I told them as much on the phone when they called. So I locked my credit report and kind of forgot about it and ignored all of their messages.
*Around XXXX of XXXX - I'm checking on something on my XXXX account and I notice an alert that my credit score went down. So I check and it went down over XXXX points! I can't believe it! I'm convinced that I've been the victim of identify theft again. I go into XXXX, find the FNB Omaha line, which indicates that I have two late payments and a closed account. I immediately call XXXX and report fraud, and I remember that some place in Nebraska had called me a few months back with some scam. I assume they just managed to get the rest of my information somehow.
*Quickly thereafter - My fraud notice gets denied. I call XXXX for an explanation and they say they almost always deny them unless there is a police report attached, especially when they are with a legitimate creditor. I can file a police report and try again but I should try and call the company to see if they had more information as they could clear it up quicker. I was unaware that this was a real company at this point. I call them, and that is when I find out my XXXX XXXX XXXXXXXX card was sold to them.
*I immediately pay all the outstanding debts I had on the account ( only ended up being a couple XXXX dollars, I guess I had a recurring order I didn't think about linked to that account ). Why didn't I realize that I wasn't paying the bill to XXXX XXXX XXXXXXXX? Well, I have multiple credit cards with XXXX XXXX XXXXXXXX all set up to Auto-debit in full every month. This card never had very high balances, and sometimes had no balances. I very rarely used this card.
*Bank of Omaha refused to remove any of the negative information from my credit score. My credit score is as of today XXXX - from over XXXX just months ago. I have been denied a mortgage and a business loan and two credit cards ( I am a small business owner that relies heavily on my credit ). I seem to have no option but to hire some lawyer to try and resolve this or just wait for seven years for this to fall off my credit score. It's very frustrating to have literally a lifetime of perfect credit ruined by something so stupid. How is the public supposed to guard against every scam imaginable while still being open to all of the possibilities of where our debts may be sold to? How can we know what is legitimate?
|
| 01/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American, Servicemember |
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What Happened I am XXXX years of age, retired, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX relating to my finances. The details are as follows : On XXXX XXXX my personal computer locked up. Then a message appeared on the screen instructing me to call XXXX at the number provided. I did. The rep who answered told my computer had been hacked and my financial information was compromised. She asked me for the Customer Service telephone number on the back of my debit card and said she would add them on the line for me.
A new person called on the cell and the first person dropped off. The new person identified himself as a XXXX Bank employee who was part of a special group assigned to work fraudulent activity for XXXX. He told me my bank accounts had been compromised by the computer hack and I needed to act immediately to avoid loss. He literally terrified me to the point I could not think clearly. He instructed me to withdraw all my funds from all my bank accounts and to also withdraw all the cash advances available from all my credit cards.
He said the hacking might well be the work of a bank employee, so I was to tell absolutely no one why I was withdrawing the cash.
Since I believed he was a bank employee, I did as I was instructed, withdrawing {$15000.00} in cash from my XXXX account, {$3000.00} in cash from my XXXX account and {$10000.00} in cash advances from my credit cards.
He then instructed me to deposit the cash into a XXXX ATM.
They would hold the money safely for me until my accounts at the banks were secured. The money would then be transferred back into my accounts.
He then instructed me to purchase two {$500.00} gift cards using my credit cards and provide him the PIN numbers on the back. I did so.
I have now realized these instructions were all fraudulent, done solely for the purpose of stealing my money. I did not understand anything about what was happening and was so frightened I could not see what was going on.
The total losses incurred were : XXXXXXXX XXXX Acct {$3000.00} withdrawn on XX/XX/22 XXXX XXXX XXXX XXXX Acct {$15000.00} withdrawn on XX/XX/22 {$9400.00} withdrawn on XX/XX/22 XXXX Cash Advances : XXXX Credit Card XXXX XXXX XXXX Credit Card XXXX XXXX XXXX Card XXXX First National Bank of Omaha Credit Card XXXX XXXX XXXX Credit Card XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Loss {$29000.00} I wish to assert my Regulation E liability limit of {$500.00} with each institution. The perpetrator gained fraudulent access to my computer as well as my accounts. Regulation Es Official Interpretations, found in Supplement I to Part XXXX, specifically addresses my situation : an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. The banks with whom I have discussed my situation did not think a Regulation E dispute was not applicable to recover the funds that were fraudulently withdrawn.
I am now receiving interest, late notices, and penalty charges, from the credit cards and realistically can not pay back the cash advances without extreme hardship.
My total annual income is {$28000.00}, most of which is Social Security.
I desperately need help in recovering as much of these losses as possible and respectfully request your help.
|
| 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
|
|
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 |
|
- Closing/Cancelling account
|
|
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 )?
|
| 01/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
XXXX has blocked all access to my account. They are playing a game where they offer their customers myself included 2 options. Option 1 is to have banker identification be done. XXXX claims I can bring my ID credentials to any random bank, and have a bank staff member call XXXX to verify that I am in fact the card holder. The issue with that is obvious. Banks do not want this involvement especially with XXXX a third party whom they do not trust. Furthermore, this request is unheard of, and according to my XXXX XXXX no bank is under any obligation to perform such a request. Moreover, because XXXX is a federally regulated bank it's not a matter the customers state XXXX can handle at the state level. Of course, XXXX knows this which leaves their customers with only option 2. This option entails customers forking over notarized financial records such as your w-2, tax returns, and photo copies of your signed social security card . Obviously, I distrust this entity so much so that I sent a money order as a way of payment to them. I recorded the phone call with the representative that she states any late fee will be waived for the inconveniences I have endured. XXXX received & cashed my money order, and still charged a late fee & interest fee totaling {$30.00}. Meanwhile, I am under a 0 % APR interest fee. XXXX changed my minimum payment to {$95.00}. I want the full {$30.00} credited back to my account & balance it should reflect is {$2100.00}. My minimum payment should be 2 % of my balance {$42.00} I also want to go on record as saying that I have recently warned the CFPB, and I am doing so again that XXXX should be investigated for unfair practices with their customers especially their credit card holders. Furthermore, I have reported the matter to the Office of the Comptroller of Currency, my state Senators, and XXXX XXXX. Overall, I urge the CFPB to look at XXXX 's history. The XXXX has over XXXX complaints & the recent are card holders being made to fork over their sensitive financial/personal identification notarized to XXXX. There are a slew of complaints alleging all kinds of serious issues ranging from fraudulent charges to deposit box security issues. https : XXXX -Also, I urge the CFPB to see for yourself the parent company of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the violation penalties currently totaling {>= $1,000,000} Not to mention, 4 of which were brought by the OCC XXXX XXXX XXXX XXXXXXXX Lastly, I also want to go on record as saying I firmly believe that XXXX will have in the future a breech in which their clients information is compromised. I believe XXXX will pay a small fine, however whomever they sell their clients info to will bring a much more significant pay day for XXXX. This company gives me no reason to trust them, their own people have reported online a toxic working environment. My beliefs are not that of a conspiracy theorist as you know XXXX & the Privacy Guard violation resulted in a {$32.00} million fine. As can be seen through XXXX 's history they start violations again as quickly as 1 year later. Lastly, I have been saving all the concerns & correspondence that I have been sending like this one here to the CFPB, XXXX, XXXX and others.
|
| 07/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
I contacted First National Bank of Omaha ( FNBO ) regarding transactions that had a value that I did not authorize, upon communicating to FNBO that the transaction I did not authorize had deducted an unauthorized value from my account with FNBO, FNBO representative did communicate false information to FNBO against my will specifying to FNBO that my card had been lost or stolen when in fact I did not report my card lost or stolen, my card was in my possession and I was disputing a transaction.
Upon logging into the FNBO website, the online banking system indicated that I had a {$0.00} balance to pay.
Inaccuracies in accounting and false reporting in accounting are very serious and I would like fore this circumstance be handled with delicacy as FNBO has failed to service my account with accuracy and that is illegal.
Any FNBO representative communicating false banking information to FNBO is liable and should be held accountable for any mistakes made.
I was later, on a separate date told that my account had been closed.
Proof that account balance showed a {$0.00} balance is provided with this written communication.
Additionally previous to the account being closed the appropriate protocol to have followed specific to a card being shut down is to provide a new card to account holder and FNBO not only closed the card without my consent, authorization, permission and did so against my will, FNBO employee also falsely reported that my card was lost or stolen and FNBO has failed to issue a new card post the false report and previous to the closure of the account.
FNBO thus is in violation of 817. FALSE ENTRIES ( 18 U.S.C. 1005 AND 1006 ).
This issue is not yet resolved and FNBO should not have reported or continue to report late payments or any negative information to credit bureaus due to FNBO failing to service my account with accuracy.
Please contact me at your earliest convenience pertaining to this matter.
I am unaware if FNBO historically has had a documented history of other examples of financial inaccuracy in reporting yet I certainly am making best effort to report false accounting on behalf of FNBO and fraudulent behavior on behalf of the FNBO employee/representative that reported falsely to FNBO information that I did not detail.
I find this circumstance to be either negligent or intentional and I am not accountable on behalf of FNBO for FNBO representatives nor any singular FNBO representative failures in accuracy and accounting.
FNBO customer service representative made mistakes and reported inaccurately.
FNBO website indicated I had a {$0.00} balance to pay and I conducted no transaction after website indicated {$0.00} balance.
FNBO failed to provide proper response to account transaction dispute.
FNBO failed to provide me with a new card after illegitimately shutting down the card I had in my possession.
FNBO closed my account without rectifying errors in accuracy in reporting regarding card being reported as lost or stolen by FNBO representative without me reporting card as lost or stolen.
FNBOs failure to service my account with accuracy has caused unnecessary complications and should be held accountable.
|
| 08/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
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.
|
| 07/28/2022 |
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
|
|
Web |
|
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This complaint is being filed under Power of Attorney on behalf of consumer XXXX XXXX by XXXX XXXX of XXXX XXXX XXXX XXXX is a victim of identity fraud, and has retained the services of XXXX ( and XXXX XXXX XXXX XXXX ) and its employee XXXX XXXX to assist in resolving these matters. Thus far matters with a variety of banks and companies have been resolved. XXXX remains unresolved and uncooperative. The victim attemtped to report fraudulent charges on her account without success and XXXX XXXX has reported the fraudulent charges as well without success. XXXX XXXX in his report provided a POA, police report, vicitm affidavit, and other supporting documentation. XXXX XXXX reported the following charges as fraudulent.
Charge : XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, KY {$200.00} Charge : XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, KY {$200.00} Charge : XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, KY {$200.00} Charge : XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, KY {$600.00} A plain reading would raise flags. Three charges of {$200.00} at the same XXXX XXXX location in the same day? Really? This didn't strike as fraud. Then the following week another {$600.00} transaction at the same XXXX XXXX Location? These are clear indicators or fraudulent transactions, but XXXX 's official written response is that the " merchant has provided information matching our records to verify the transactions as legitimate and not the result of fraud. '' The store 's records will match XXXX 's records but only demonstrate the card number was run. This does not mean that the victim was present or in any other way authorized or participated in the transactions. That the records of the transaction match in no way establish legitimacy. TO further the matter XXXX in a telephone conversation about this written response that the victim had with XXXX the victim was as advised by XXXX that they " had a recording of a phone call '' and that the " voice matched '' her voice. What does this mean? XXXX refused to provide details of this alleged call of when it happened, who it happened with, where the recording comes from, etc. So they claim transaction records match so its not fraud and then they have a recording of the call they have match to her voice ( presumably they employed and expert audio recording voice matching XXXX who advised them of this determination ) that also proves no fraud.
XXXX 's claims are specious at best. XXXX XXXX for XXXX arrived at a completely different conclusion for charges at the SAME XXXX XXXX location as well as other charges in the next town over that occurred in XX/XX/XXXX with patterns very similar to those that occurred on the XXXX account ( dollar amounts and frequency along with locations ).
XXXX XXXX and the victim XXXX XXXX have successfully resolved fraud and identity theft that occurred with XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX. These matters began in XXXX of XXXX and continued into XXXX before actions by the victim and XXXX were able to bring a halt.
|
| 07/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
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.
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
I also requested all corporations to fill out a form 1020 and return back to me and still haven't gotten it
|
| 08/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
|
I am XXXX XXXX XXXX US Citizen. I have had an account ending with last 4 digits of XXXX with First Bankcard of XXXX XXXX XXXX XXXX, Nebraska, XXXX since XXXX. I had always made my payments in a timely manner and to the best of my knowledge none of my payments were ever returned.
I suffered a massive XXXX XXXX in XX/XX/XXXX and my health continued to deteriorate until XX/XX/XXXXXXXX when I had an XXXX XXXX XXXX I am still recovering from my XXXX XXXX
Around XX/XX/XXXX, I became a victim of Scam and I lost about {$93000.00} primarily due to a critical issue with First Bankcard online platform accepting payments from 3rd parties without validation allowing them to make payments using fake bank accounts which resulted in payments being returned. Consequently First Bankcard debiting those payments to my account as chargebacks. The balance shown on their XXXX XXXX XXXX statement was {$74000.00} but surprisingly the balance was suddenly increased to {$100000.00} in their XXXX XXXX XXXX statement, an increase of {$35000.00} for reasons never explained to me. I also believe that my account had been hacked.
I had a similar situation with XXXX XXXX XXXX credit card but my experience with them was just the opposite. I was protected there because their platform didn't accept payments from 3rd parties without validation.
I received payment return notifications from First Bankcard stating that payments made by me were returned by my bank. These notifications were all wrong because firstly the payments were not made by me and secondly those payments were not returned by my bank. But instead those payments were made by 3rd parties using their fake bank bank accounts.
Why should I be held liable for return payments that were not made by me on the first place and why should those be charged back to my account?
I wrote several letters to First Bankcard and tried to resolve this issue but they continued to deny my claim.
First Bankcard suspended my account due to returned payments on XXXX XXXX XXXX and closed my account on XX/XX/XXXX for the same reason. First Bankcard decided to refer my account for collection to XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX on XXXX XXXX XXXX
First Bankcard has blocked my phone number and I am no longer able to speak to them. I have also tried to communicate with the collection agency, XXXX XXXX XXXX but they are also not responding to my letters or phone calls.
My credit score has suffered very badly due to this scam. From around 750 range it had a freefall to around 450 range and it is slowly creeping up but won't be fixed unless this issue is resolved.
Since my communicating with First Bankcard was not having much impact, I decided to seek legal advice and went to an attorney and have him write a letter to First Bankcard. My attorney did an excellent job describing the whole issue. A copy of that letter is attached with this complaint. I am also attaching some of my correspondence with First Bankcard and the collection agency, XXXX XXXX XXXX.
|
| 05/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
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
|
|
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
|
|
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
|
|
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.
|
| 08/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
On XX/XX/2023, XXXX XXXX contacted FNBO to inquire about increasing the limit on her XXXX account so she could pay the security deposit and first month rent on an apartment in XXXX, CA. FNBO advised her to contact XXXX since XXXX was new to FNBO and they did not know how to increase the limit. XXXX XXXX contacted a number she believed was XXXX customer support at ( XXXX ) XXXX but the number was a scam number online. Please see enclosure ( 1 ) the first outgoing call at XXXX is made to this fake number. When she contacted this number, she was told that someone used her bank account to purchase bitcoin. XXXX XXXX immediately called FNBO to verify the claim and FNBO informed her to work with XXXX to address the issue. See outgoing call at XXXX on enclosure ( 1 ). The fake XXXX number provided XXXX XXXX with a cancelation code to enter into a bitcoin ATM in XXXX, CA, and FNBO called XXXX XXXX and told her to enter dollar amounts in the ATM to cancel the transactions. See next call on Enclosure ( 1 ). Once XXXX XXXX entered the amounts with the cancelation code, she received a text message from ( XXXX ) XXXX indicating that the amounts entered were cancelled see enclosure ( 2 ).
After receiving this text, XXXX XXXX called FNBO and learned that there were multiple pending transactions on her checking account. See last call on enclosure ( 1 ). Despite her request that FNBO cancel these unauthorized transactions, FNBO informed her to wait until they posted, placed a provisional credit on her account, and thereafter initiated an investigation.
On XX/XX/2023, FNBO concluded that no error had occurred with regard to the transactions in dispute and reversed the provisional credits on her account. The letter stated I am not able to credit your account since the merchant you authorized to bill your account has provided the services or merchandise as requested. See enclosure ( 3 ). The only evidence FNBO used to resolve the dispute were bitcoin XXXX receipts for the transactions in dispute. See Enclosure ( 4 ).
The four transactions from XXXX XXXX FNBO checking account were unauthorized. She was a victim of fraud and she filed an Identity Theft Report with the FTC and a complaint with CFPB regarding this matter. XXXX XXXX does not use bitcoin, and she did not receive any service or merchandise as a result of the fraud. Further, FNBO was involved in this matter. She initially called FNBO to raise her XXXX limit and was told to contact XXXX. Further, she contacted FNBO again to verify the claim that someone had used her checking account to buy bitcoin. FNBO again referred her back to XXXX. Additionally, FNBO called her and supplied her with numbers to enter into the bitcoin ATM. Given FNBOs role in this matter, it is unconscionable for FNBO to take the position that there was no error and to wash its hands of this matter and point to someone else.
|
| 07/09/2015 |
Yes |
|
|
|
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
|
| 11/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
My XXXX XXXXXXXX was changed to a general purpose card. When that happened they offered a {$50.00} credit if the card was used to pay for {$400.00} outside of XXXX XXXX XXXX The time period was for XXXX XXXX XXXX. I did that, but did not receive the credit. When I asked about it, I was told I signed up too late. Yet, they allowed me to sign up and told me that I was enrolled.
Here is the message exchange to try to correct this : From : XXXX XXXX.
Sent : XX/XX/XXXX XXXX XXXX Ref No : XXXX Subject : No credit received XXXX XXXX XXXX Dear XXXX, Thank you for your response.
We regret that our services do not meet your expectations. We strive to achieve an excellent standard of service and will use your feedback to appropriately address the service you received.
In order to receive this particular offer, the opt in request needed to be submitted by XX/XX/XXXX. Our records indicate your request to opt in was received on XX/XX/XXXX. Unfortunately, since the opt in was received after the offer close date, your account will not be receiving the {$50.00} statement credit. We regret any inconvenience you may have experienced during this time.
If you need further assistance, please contact us at XXXX, or send a secure message through the XXXX XXXX XXXX.
Sincerely, XXXX XXXX.
Customer Care Senior Specialist Hide Older Messages XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX If I did not respond in time, then WHY was I told that I had been activated? This is the message I received at the time : Thank you for activating your statement credit offer.To earn this statement credit, spend {$400.00} outside of XXXX and XXXX stations using your XXXX XXXX XXXX during your offer period.From XX/XX/XXXX XXXX XXXX XXXX XXXX.
Dear XXXX, Thank you for your patience. Our records show you did not meet the requirement for the {$50.00} statement credit since you were not opted in on or before XX/XX/XXXX. We regret any inconvenience this may cause.If you need further assistance, please contact us at XXXX, or send a secure message through the Online Message Center.Sincerely, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX.
Dear XXXX, Thank you for contacting XXXX.Your email has been forwarded to the appropriate department. We are currently researching this and will follow-up within 2-3 business days.If you need further assistance, please contact us at XXXX, or send a secure message through the Online Message Center.Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I signed up for statement credit offer in XXXX : Thank you for activating your statement credit offer.
To earn this statement credit, spend {$400.00} outside of XXXX and XXXX stations using your XXXX XXXX XXXX during your offer period.
From XXXXXXX XXXX Offer period is XXXX XXXX- XX/XX/XXXX I met the requirements yet have not received my my statement credit. Where is it?
|
| 06/17/2015 |
Yes |
|
- Application processing delay
|
|
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
|
|
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.
|
| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/XXXXXXXX i submitted a complaint to the cfpb, CFPB Case Number : XXXX Stating FNBO has no permissible purpose to furnish my report, their response makes legit no sense as to they have actual claimed fault let me explain As stated in the response, Item # XXXX of the Promissory Note states that information about your loan may be reported to credit bureaus and that late payments, missed payments, or other defaults on your loan may be reflected on your credit report. You signed this document electronically on XX/XX/XXXX. We can confirm that the account was charged off in XX/XX/XXXXXXXX and is being reported as such. On XX/XX/XXXXXXXX Your response is indication that you have furnished and shared my consumer report without my written instructions to do so, in violation of 15 U.S. Code 1681b ( 2 ) which is an unfair act pursuant to 12 U.S. Code 5531 ( c ) ( 1 ) ( A ). I also state you have taken unreasonable advantage of my lack of understanding of the terms and conditions of your financial products and services, in violation of 12 U.S. Code 5531 ( d ) ( 2 ) ( A ) being such actions is a abusive act I have not given you direct consent as a consumer reporting agency, thinking you as a financial institution are lawfully allowed to furnish my information when singing the agreement i believed it was legal and lawful I was misinformed and confused from your abusive acts misleading acts, Banks response also indicates they have violated the FCRA pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) obtained and used a consumer report for a purpose not authorized to be furnished under 15 U.S. Code 1681 ( b ) Banks response also indicates they have violated the FCRA pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) no certified purpose in accordance with section 1681e of the FCRA Additionally, I believe that FBNO actions in this matter constitute an abusive act or practice under 12 U.S.C. 5531 ( d ) ( 1 ), as they materially interfere with my ability to understand the terms and conditions of my consumer financial product or service.
Pursuant to 12 U.S.C. 5531 ( d ) ( 2 ) FBNO has also taken unreasonable advantage of my lack of understanding of these terms and conditions, as well as my inability to protect my interests in selecting and using this financial product or service, and my reasonable reliance on FBNO to act in my interests.
In accordance with 12 U.S. Code 5536, it is unlawful for a covered person like FNBO to offer or provide a financial product or service that does not comply with federal consumer financial laws, or to engage in any unfair, deceptive, or abusive act or practice. I therefore request that you take any action authorized under 12 U.S. CODE CHAPTER 53 SUBCHAPTER V Part E to prevent FBNO from further actions of such behavior a lawsuit may be filed if you fail to comply with the deletion of this account
|
| 08/10/2022 |
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
|
|
Web |
|
|
XXXX On the XXXX XXXX, my wallet, XXXX credit card in it, XXXX XXXX, sun glasses were stolen from my car at XXXX gas station while i was buying the drink inside. There was personal information ( photocopy of my personal documents, and credential files for my online accounts ) in the flash memory drive. I reported it and got incident report number.
After a few days on the XXXX XXXX I got a security message about a fraud activity that {$4000.00} transaction attempted with this stolen card. I didn't recognize it and declined it in order to block the card. I got this message twice for XXXX attempted transactions. Then i checked my online account in the app one of {$4000.00} XXXX was illegally purchased into my XXXX account. I understood that my bank and other personal information was stolen and misused. I immediately called the Fraud Department of the XXXX XXXX and reported it. I explained them that the card and my personal information were stolen and misused. The bank started investigate the fraud and credited the money into my account. I also contacted to XXXX, and explained them my information was stolen and misused then there was happened {$4000.00} unauthorized transaction which has not been executed from my side.
They didn't listen to it and not accepted, demanded {$4000.00} which i had disputed it with the bank. Then one month later the bank called me and said we had your personal information, documents from them and we think it has been done by you and we charge or put that {$4000.00} on your account.
I asked these docs from XXXX ( investigator from the banks ), she promised me to send them but then did not send.
I had not provided any personal documents to XXXX, not earlier and no later. And although i have used their service, i have never used that bank card information for any transaction.
I explained the same to the bank. The bank mentioned, " we can't consider it fraud if you used their service before. '' They didn't listen to me and blamed me.
I have my account at XXXX but i had not used this bank information for any purchase at XXXX. It is not recognized by me, and they don't have any proof that this card was used before on this website. They just didn't listen to me, do what they want and using their power.
So I disagree with this illegal transaction and decided to raise a claim and provide my proofs. I want the bank does its credit card obligation in in front of me based on the credit card agreement and remove the {$4000.00} credit from my account in a short time unless my credit score not damaged. I am not going to pay that {$4000.00} because somebody has misused it, i have not done this purchase for nothing. Merchandiser can understand it, can easily return it to the bank because there was nothing instead.
Please, help me on that issue that the bank does his responsibility.
Thanks XXXX
|
| 10/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
On XX/XX/XXXX my XXXX credit card with XXXX XXXX XXXX was transferred to First National Bank of Omaha. As recommended, I set up an online account with XXXX. I noticed that a payment I had made to XXXX XXXX XXXX on XX/XX/XXXX was not reflected in my balance with XXXX ; according to the new online account I needed to pay that amount to XXXX on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and a rep told me to fax proof of the payment to XXXX but didn't provide details about how to ensure XXXX knew why I was sending this information. On XX/XX/XXXX I called XXXX XXXX XXXX and was told that the payment was " pending '' though it had been taken out of my checking account and it would probably post in a couple of days and would then show up on the XXXX account. I decided to wait and check the XXXX account every day ( I no longer had access to the XXXX XXXX XXXX account ).
But now I could not log into the XXXX account because the required two-factor authentication did not work ( I entered the code emailed to me but nothing happened ). I called XXXX on XX/XX/XXXX and was automatically directed to " fraud prevention '' and was told I needed to be " verified '' with a voice code sent to my phone number. I have since learned that neither my XXXX XXXX number nor my cellphone number is acceptable to XXXX, so this verification has failed. The only way I can be " verified '' to to either fax notarized ID documents to XXXX or go to my bank and have a bank officer call XXXX in my presence and verify that I'm who I say I am. I can not get anything notarized without an in-person visit. I can't do that, or go to a bank, because I am recovering from XXXX and still testing positive, besides being sick.
I have made several calls to XXXX and told them that and they won't change these requirements. The only thing I can do without being " verified '' is pay them.
So, within a day of XXXX taking over my XXXX credit card account I have no online access ( and the rep told me I couldn't get any information over the phone, either ). Plus I can't ask for technical support to clear up the log-in problems without being verified.
I have no way to find out, before the due date, whether the mistake in my account has been corrected. The fact that XXXX will not accept my phone numbers as a means of verification means that I could be in this limbo forever. I also have no idea whether the log-in problem can be corrected. Even if I manage to get " verified '' this time because I test negative in a few days and can get to a bank or have documents notarized this could occur every time there's a problem because the bank doesn't accept my phone numbers.
I can't even close my account without being verified ; the bank could do it but that would be a black mark on my credit.
This kind of fraud prevention amounts to denying me credit.
|
| 01/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
In XXXX of XXXX, we responded to an offer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to process a balance transfer with XXXX XXXX interest through XX/XX/XXXX for a XXXX XXXX fee. We borrowed {$11000.00} on this offer, and that amount including fee ( {$11000.00} ) appeared as the total balance on our following statement.
As per the terms of that cards agreement, a XXXX XXXX minimum payment was required each month, beginning just below {$120.00} in XX/XX/XXXX, and declining with lower balances in following months. We set-up automated payments of {$150.00}, and XXXX of these were processed on-time from XXXX through XXXX of this year. As there has been no other activity on this card, the XXXX statement reflected the remaining balance of {$10000.00}, with a minimum payment of {$100.00} due in XXXX.
In XXXX, we also received notice that the XXXX XXXX XXXX XXXX would transition from the XXXX XXXX XXXX to be held by FNBO ( First National Bank of Omaha ). New cards were sent, and we were instructed to re-establish access to our account at XXXX after XX/XX/XXXX, and make further payments through them to keep our account current. At the same time, our previous account access through XXXX was cut-off.
As required, I enabled account access at XXXX, then set-up automated payments of {$150.00}, as I had with XXXX XXXX XXXXXXXX previously to meet the monthly minimums, though I switched back to manual payments after discovering problems with their AutoPay mechanism, proving it unreliable. While discussing AutoPay problems with XXXX, I also discovered that the required minimums shown on my XXXX statement had been increased to over {$170.00}, from what had been {$100.00} on the XXXX statement. At that time, I asked if this was related to XXXX errors which had also prevented AutoPay from being set-up properly, and that they adjust the minimum accordingly, but they would not.
I have just received my XXXX statement for this account from XXXX, and it now requires a minimum payment of double what was required previously. Continuing the discussion on this point, I was told that the minimum payment had indeed doubled from XXXX XXXX of the total balance to XXXX XXXX as part of the changes between XXXX XXXX XXXX and XXXX policies. I have made clear that I have not agreed to such a change, was not given an opportunity to opt-out of any such changes during the transition, and insisted that they uphold the terms of the original agreement for this pre-existing balance until it has run its course. They respond only that the " opt out '' period has passed, and I have no choice but to accept these new terms.
A transcript on this discussion is attached below ( note that the responses are shown in reverse-chronological order, with the newest reply on top )
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American |
|
I recently filed a complaint ( XXXX on XX/XX/2023 regarding my credit card.
First National Bank of Omaha has submitted false information in response to your inquiry! I also recently learned FNBO was fined {$32.00} XXXX dollars for fraudulent credit card practices.
I am enclosing documentation evidencing their false statements.
FNBO first notified me they were reducing my credit limit which was without any justification. I have always made on time payments in the full amount posted on their online banking website.
Next I received notice they were increasing my interest rates based on a lower credit score of XXXX when in fact my credit score is XXXX and has been as high as XXXX. Documentation enclosed. I get my credit score from another credit card institution for free! I'm also entitled to free credit scores as a result of a " breech '' of personal information from another source.
Finally, they start harassing me about a recent payment in XXXX claiming I did not make the payment when in fact I did on XX/XX/XXXX. Due date was the XXXX or XXXX as I have 3 cards from this same institution.
When I inquired, their response was a minimum payment issue, I paid {$250.00} because their website indicated a minimum payment of {$220.00}!
They claim it was {$310.00} at that time which it was not according to their website.
Now that I have filed a complaint with your agency, they informed you my minimum payment was {$270.00} ... ... ... .They are LYING!!!!!!
I have complete documentation regarding all of my issue as I learned many years ago to always get receipts, documentation, and every other possible piece of evidence when dealing with American corporations! We never had these issues back in the XXXX 's ... ... .then came the XXXX 's and now we live in a world of corruption!
I want any and all negative credit reporting removed as my payment was on time, higher than the minimum payment posted, and not as FBNO claims.
My opinion given their recent credit card history, is they lowered my credit limit without merit and raised my interest rate as an excuse to advantage the bottom line of the bank. When I protested, they then began the " payment issue '' so as to post negative information on my credit report effecting my ability to access credit. They are right back at the same practices you just levied a {$32.00} XXXX dollar fine against!!!!
https : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Please use ( XXXX ) XXXX for home phone ... ... ... your website won't allow me to " edit '' it to make the correct change!
Please use XXXX XXXX XXXX XXXX XXXX, Fl XXXX as the correct mailing address!
|
| 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
|
|
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
|
| 06/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
On XX/XX/23 I received a strange call claiming to be FNBO Fraud department, letting me know that my entire account for MGM Rewards credit card was frozen. No prior notification in any form ( mail or email ) was provided. Out of the blue, everything was frozen for me, I can't see any of the transactions prior to the freeze, I can't see my balance, I can't pay the card. Thinking that it was scam, I called the number on the back of the card. I was transferred to the " research '' department, where they told me that I need to provide a copy of my Driver 's License, copy of my actual social security card and a copy of my recent W2 in order for them to review my account. And the only way to get that info to them was either by mail, fax or email. A couple of days ago I finally received a letter from them providing me with the fax number and email address that doesn't seem to be affiliated with FNBO. I am refusing to provide my utmost personal info to them in the manner that they're requesting. Additionally, on their website, it specifically states to not provide any personal information in that format and that FNBO will never request any of this information. I requested for a secure portal to be provided to me so I can upload the documents. They said they don't have one. I asked to go to a physical branch to physically prove my identify, they said they don't have a branch around me. I also asked about the status of my pending rewards which are directly linked to my credit card, and I have been accumulating for a couple of years now, they had no answer. I asked if I'm still accruing interest fees while my account is on hold, they said yes. If I don't provide this info to them in the formate they are asing they will close my account. I will have no way to tell if there was any fraudulent activity before the card was closed, and I will be forced to pay the balance without being able to review my statements. This is in a situation where I HAVE NO ACCESS TO ANY TRANSACTIONS ON MY CARD. I asked to speak with a manager, they refused my request. Both individuals that I spoke to were extremely rude to me. They said they mailed me a letter, I never received anything from them. The letter arrived more than a week after the first conversation, and after numerous calls I made back to them. I'm coming up to my payment due date, they want me to pay the card without being able to review my account and charges on the card. In other words, I have NO CONTROL of the situation. Per my research, this is unlawful practice by the Bank. They can't just refuse me my access to my card activity. P.S. this same credit card company increased my credit limit recently, without my request or knowledge, after which they placed a block on it.
|
| 03/10/2023 |
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
|
|
Web |
Servicemember |
|
I have serious concerns that NYCB ( the Company ) is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process regarding fraudulent activity on my account.
The Company is also failing to acknowledge and directly reply to my inquiries and requests for information on this matter. I have made several attempts, and spent significant time speaking with the Companys representatives, but have received nothing that could be considered responsive to my original requests for information, which has been pending for several weeks now.
I believe the circumstances of my claim clearly warrants an immediate crediting of my account in the amount of {$2800.00}.
On XX/XX/2023, after receiving a text message regarding an attempted purchase at the retailer XXXX XXXX for {$4600.00}, I immediately became aware that my NYCB credit card had been used without my authorization. Upon logging in to my account, I determined that there were a number of other transactions that I also did not recognize.
I called NYCB customer service at once, at approximately XXXX XXXX on XX/XX/23, and spoke with a Customer Service representative to bring this to their attention and presumably disable the account number. We proceeded to go through the charges in detail, and she indicated she had processed my claim, and replacement card, etc.
In the subsequent 5 weeks, I have yet to receive a single provisional credit for any of these charges. I have also been patiently waiting for some contact from the investigator, from the bank itself, such as an itemization, affidavit, or more preferably, simply credits ( provisional or final ), for what are clearly unauthorized transactions that I should not be responsible for.
In the absence of any contact, information, or activity of any kind from the company, I have also reached out myself to inquire as to the status of the case. I did so on XX/XX/23, and was told that investigators were delayed in processing claims due to the holidays. I followed up again on XX/XX/23, and again was given no new information or updated status, nor even that the claim had been picked up by an investigator yet.
As it pertains to the case itself, it appears that one of my authorized users cards was lost, stolen, or compromised, because there is a mixture of my authorized transactions ( made with my card ) and unauthorized unrecognized transactions ( presumably made with the other card, or cloned card ). On several occasions this occurred almost simultaneously in different parts of the country, which I pointed out to the agent on XX/XX/23. For this reason, I fail to understand the reason for the delay, in such a clear case.
|
| 09/03/2015 |
No |
|
- Credit card protection / Debt protection
|
|
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.
|
| 10/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have a First National Bank of Omaha Account. I was prompted to open a new type of account with a better APY through XXXX XXXX on the FNBO account. Looking for a good interest rate and working with online banking in the past, I decided to link the FNBO account, my XXXX account, my Chase account and XXXX XXXX XXXX Account. I made an initial deposit on XX/XX/ from XXXX of {$750.00}, XXXX ( XXXX ) XXXX XXXX {$10.00} on XX/XX/, and again on XXXX XXXX XXXX I added another {$1000.00} from XXXX XXXX. On XXXX XXXX XXXX they withdrew {$400.00} from my XXXX XXXX XXXXXXXX account and unbeknownst to me, I noticed that on my XXXX XXXX XXXX website and saw the XXXX was initiated. All of these deposits had cleared my accounts at the drafting institutions within a day of the deposit into XXXX. After XX/XX/, when I questioned why this {$400.00} was withdrawn, my account was restricted. Now I can not access any of my money. I can not write a check, withdraw, or use my ATM card to access my account.
They do not provide any live customer service. You must communicate with them through their App on your cell phone via messaging. I keep hearing my account is under investigation to authenticate the origination accounts. It should not have taken XXXX weeks let alone all the money deposited in XXXX XXXXXXXX they will not allow me to have access to. I am XXXX, I am helping my mom who has fallen after COVID and is in need of medical care. Despite my pleas to explain why, I keep getting the same through their online chat and via XXXX. I can not get any response, any explanation as to what the hold up is. On Friday, XX/XX/, I sent over a copy of the front and back of my driver 's license and still have not heard what the critical issue is here. I explained I have no creditors, no tax liens, property liens, that I am a XXXX trusted traveler. I also expressed that I do not want them to withdraw any funds from any of these banks and they told me to cancel the withdrawals at my banks and that would incur me between $ XXXX $ XXXX. I advised them that they are forbidden to take any additional funds, both, XX/XX/XXXX, and XX/XX/XXXX, as well as today, XXXX XXXX XXXX I saw that this similar situation has happened to others in Reviews and my attempt to write FNBO last week was met with a response, they are their own bank, despite their use of FNBO 's routing number. I am not please. I feel scammed and I feel exhausted. I want this noted, I want this resolved and I want the rest of the public to know that this is the practices of this bank. Altogether they have {$2100.00} in savings, {$640.00} in a vacation account and {$1800.00} in my checking account. I just want my money back at this time.
|
| 12/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
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
|
|
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.
|
| 03/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX I scheduled a {$200.00} payment to the XXXX XXXX XXXX1st BankcardXXXX back XXXX On XX/XX/XXXX they processed a payment for $ XXXX the total balance on the card. On XX/XX/XXXX the payment cleared my bank, and paid 1st Bankcard, draining my savings and creating overdraft charges and not having monies to pay my bills for the rest of the month.
On XX/XX/XXXX I called 1st Bankcard to report their error and issue a refund. They said the payment was on an internal hold and to call my bank to have them stop the payment. I called my bank and they relayed the payment can not be stopped because it already has cleared and has been paid to 1st Bankcard. They suggested to call 1st Bankcard again so they can reversed the payment.
I called 1st Bankcard again. No results, they stated the payment was on a hold, until XX/XX/XXXX and I would have to call back on XX/XX/XXXX to have the refund processed. Needles to say, this is not acceptable and I was extremely mad. I explained they had my money, it has cleared the bank. I also explained, they already are showing the credit/payment on my XXXX Statement. They refused to issue the refund in a timely manner, basically stealing my money for over 10 days.
Then I started thinking and remembered this happening before, and wondering how the XXXX could I hit pay balance in full when I have to enter the amount to pay. Just not something that would happen, let alone twice. I started looking back at my statements from 1st Bankcard and to my horror- this happened exactly 1 year ago to the date. I'm thinking this is not a coincidence but a bad business practice of this company. On XX/XX/XXXX 1st Bankcard process a {$12000.00} payment instead of my scheduled {$240.00} payment. Again, I had to call to have the payment reversed and again they did not process the refund in a timely manner, they waited until XX/XX/XXXX to refund my money.
Now, is it possible for me to make a mistake and click the wrong button when paying a bill, yes. But is it probable- not likely since the pay in full button is not near the enter a payment amount. It is also not probable to make a pay in full payment twice, exactly a year to the day. Even when speaking to my bank, the representative commented, " maybe they did what they wanted, I'm just saying '' Funny how a credit card company calls or texts you when you make a large purchase, but don't inquire when a large payment, that is not normal happens. Could that be because I really didn't authorize that payment- highly probable.
Two issues, not refunding their payment processing error in a timely manner and this strangley happeing twice- exactly a year apart.
|
| 10/12/2016 |
Yes |
|
|
|
Web |
|
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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.
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| 12/09/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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Submitted a complaint a while ago and my statement was clearly twisted. " Your company ALLOWED '' someone to steal my money and make revisions to my account and transfer it out. This is the absolute only way it could of been taking is to be transferred via a dtcc or acat transfer. This large amount of XXXX could of not gone in one large batch. It would of required a medallion signature and occurred somewhere in XXXX Who ever stole it which I believe is the same person who did it in the past, probably switched the tax id number and name. Please check your records for large amounts that total XXXX from a particular account. I would bet it is my account. XXXX XXXX and their fraud team will be able to search.
Case XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX Account Number ( last 4 digits ) : XXXX, XXXX, & XXXX CFPB Case Number : XXXX CFPB Case Number : XXXX Dear XXXX XXXX : I am writing you on behalf of FNBO, in response to your complaints submitted to the Consumer Financial Protection Bureau ( CFPB ) . We received the complaints on XX/XX/XXXX and XX/XX/XXXX. As we understand it, you expressed concern that you have been unable to locate your account and your assets with FNBO. You stated another individual was allowed access to steal {>= $1,000,000} from your account and then transferred the account to another financial institution. We appreciate you sharing your feedback with us and hope the information below will help to address your concerns. Our records show you have two open deposit accounts with FNBO, a sole owner checking account ending in XXXX and a savings account with XXXX XXXX XXXX listed as the minor account holder ending in XXXX. Your most recent account statements for your checking account and savings account are enclosed. The statements show your account balances as of the statement closing dates. You also had a checking account ending in XXXX that was closed on XX/XX/XXXX. That account had a zero balance since the close of your XX/XX/XXXX account statement ( enclosed ). You added a verbal password to your above-referenced open accounts on XX/XX/XXXX. For the security of your accounts, that password will be requested each time you call. Additionally, your accounts do not have an associated Power of Attorney ( POA ) on file as of the date of this letter. We searched our records and were unable to locate an account in your name or in XXXX name, containing the dollar amount referenced above. Thank you for giving us the opportunity to reply to your concerns. Sincerely, XXXX XXXX Office of the President, FNBO XXXX Enclosures ( 3 ) CC : Consumer Financial Protection Bureau
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| 08/28/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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Hello, I was initially drawn to do banking with XXXX XXXX after learning about their high yield savings account and their " round up '' and " jars '' saving features for saving available through their application and provided with their spending account. I had no issues making an initial transfer of XXXX XXXX to the savings account and after my debit card arrived I decided to make the switch over to XXXX XXXX from my previous banking institution. I proceeded to update my billing information with subscriptions, loans and other bills that I have and I also updated my automatic deposit info from work. I also proceeded to transfer all of my funds ( XXXX ) from my checking account to XXXX XXXX and I also linked and transferred XXXX from my wife 's account to the savings, since we plan to consolidate our savings here. On Wednesday of last week ( XX/XX/XXXX ) an account restriction was placed on my checking account. When I tried to contact XXXX XXXX via the live agent chat it was not available so I reached out to them via the only other means available, email. In response to my email I received and automated message stating that my account had been placed on a restriction and that it was likely due to having transferred funds from an external account which I did not own ( I'm assuming that would be my wife 's account which I linked through their application ). After I responded back to inquire about the approximate time it would take to remove the restriction, they replied back with the following automated message : Hi Thanks for reaching out! I'm going to transfer you to the correct team and someone over there will be able to help you out. They typically reply within 1-2 business days. You'll get a push notification and/or an email notifying you when they respond.
Today is XX/XX/XXXX and I have yet to hear back from the " correct team '' which I'm assuming is their fraud department. I also sent follow up emails today to request an update to which I received the same automated response. I did call the number on their XXXX page which has an automated response and says they are only communicating via their chat ( which is no longer available ) and email. Today I also noticed that my transfers have been withdrawn from my previous bank account ( and wife 's ) but are still pending at XXXX XXXX and I assume it is due to this restriction that they've placed. I've been forced to use credit while I wait and hope for a prompt resolution to this, but I'm afraid that will not be the case and soon I will start defaulting on payments to other institutions and become financially stalled due to this situation.
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| 01/11/2017 |
Yes |
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Web |
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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.
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| 08/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I received my XX/XX/XXXX bill and it was {$560.00}. I went to my XXXX XXXX XXXX XXXX site and paid the bill from that site, as I have always done. It was taken out of my account and appeared to be sent electronically from the way I view it at my bank. Fast forward a few weeks and I get a reminder from XXXX stating that my bill is due. This was unusual as I have never gotten this notice. I went on their site and checked and they had not received the payment, although it was removed and stated paid from my bank as it was removed from my funds. I waited until the day the bill was due thinking it would finally flush out and when it didn't, I contacted XXXX but I also when to their website and paid the bill directly. After calling Monday XXXX and speaking with someone about this I was told that they receive a money order for the payments and have been for a while. I told them we send it electronically and after speak with the credit card agency and my bank, it appears that the account number that was being listed in the memos was an older account of mine that had been closed due to a lost card back XXXX or XXXX. I then very patiently waited another week thinking it's just a miss communication and they'll see it and it will be credited to my account. A week later and still nothing. Now I went to my bank and pulled proof of payment for both payments of {$560.00}, one on XX/XX/XXXX and one on XXXX. I then then faxed this information with a detail of all that has happened just like this letter, to the number that they requested XXXX. I called the next day, XX/XX/XXXX, and had no resolve. I spoke with XXXX XXXX XXXX ) on XX/XX/XXXX and she called the accounting department and verified that they had received the fax ( I sent it 3 times! ) but advised that it would be handled in the order that it was received. She was nice enough to give me her name and number so I could call and follow up. Which I did yesterday and today, and no response and the original payment from XX/XX/XXXX has still not reached my account. My bill is due XXXX. I pay my bills on time and this one in full each month. I refuse to make another payment when they already have {$560.00} that they have yet to post to my account, that they have had for over a month now. Now, my patience has ended. I have no more time or energy for this and honestly, it should have been resolved from their end easily last week. Therefore I am reaching out to someone with power because although I have all this proof to back it up, I still have {$560.00} missing and although we all know that they have it, they are not crediting it to my account.
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| 08/13/2016 |
Yes |
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Web |
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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
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| 08/11/2023 |
Yes |
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- Trouble during payment process
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Web |
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Hello, I am writing to file a complaint against First National Bank of Omaha, the current holder of our mortgage.
My wife and I were continuously traveling the month of XXXX and early XXXX for business and then vacation. We had received a notice in the mail a couple of months earlier that our mortgage payment would be changing, but I did not recall XXXX was the month.
I was paying my bills on the road and did not have access to that paperwork. Pure regular mortgage payment had been {$3100.00} and change. Per my usual practice, I sent the payment plus a principle payment in the amount of {$3500.00}. That payment was submitted through XXXX XXXX XXXX on XX/XX/XXXX and was received by FNBO on XX/XX/XXXX.
This was not enough to cover the updated payment amount of {$3500.00}. FNBO placed the balance in a suspense account and held it.
On XX/XX/XXXX, while traveling in XXXX, I realized my error and promptly sent {$150.00} to cover the shortfall. I had no way to get the payment to FNBO any faster. That payment arrived to them on XXXX, where it was placed in the suspense account and was finally credited 5 days later on XX/XX/XXXX.
While still traveling, we noted that FNBO had reported us late to credit bureaus. We have worked very hard over the years to keep our credit clean.
We had an amazing experience with the lending officer we worked with at FNBO, who told me, XXXX, if you GO with FNBO, you'll never be treated like a number.
I reached out to the Chief Credit Officer, explaining the mistake, and asking for a goodwill adjustment to our credit report. I was met with a response that FNBO was only following the rules, rules they have no choice in, and could only remove the report if there was a bank error.
After going round and round with him, I contacted the CEO and asked for his help, He also quoted the rule book to me and claimed their hands were tied. This culminated in a letter I received yesterday stating they could not and would not change their positiinl My research indicates that's the letter of the regulation, but not the spirit of it and that as the reporting entity with the power to decide whether the payment was considered late, they had leeway to make a change in reporting.
Their attitude was completely unhelpful and they didn't seem to care about the legitimate circumstances that caused the error or my effort to fix it as soon as I realized it, I want them to remove the mark from our credit because it's an unfair reflection of what happened. I seek your help in mediating this situation.
Kind regards, XXXX XXXX
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| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have had an XXXX XXXX XXXX credit card ( administered initially by XXXX XXXX XXXX ) for years without issue, always paying my full monthly balance each month through an automatic withdrawal from my bank account. I use this credit card only occasionally for travel expenses and otherwise mostly rely on other cards for my routine day to day expenses. A few months ago, my credit card account was transferred from XXXX XXXX XXXX XXXX First National Bank of Omaha ( FNBO ) without any notice, written or otherwise, to me. At the same time my longstanding autopay was cancelled. I was not furnished replacement credit cards or other notice that the small monthly ( non-delinquent ) balance of a few XXXX dollars was being transferred to a new bank, without my autopay, and without a chance for me to easily pay the balance. I did not notice an issue with the credit card as I do not regularly use it when I am not travelling. FNBO began to leave me voicemail messages simply asking me to call their XXXX number without giving other information, I assumed this was spam as I had no known accounts with FNBO. They finally sent a written notice via mail to my home address demanding payment for an outstanding balance ( showing an account number last 4 digits that I did not recognize, without any other statement details, including the amount owed or other details that would verify that the notice was not spam/junk mail ). This led me to call them and finally understand that they had taken over my account, cancelled my autopay, and now charged me several late fees and interest, and reported my account as delinquent to credit rating agencies, all without having given me proper notice or a chance to pay off the small balance. I immediately paid the outstanding balance ( they did waive the late fees and interest ), and closed the credit card account. The credit reporting issue is the a major outstanding problem, as I am looking into buying a home very soon. Since my account was not properly handled and I was never given an appropriate opportunity to pay the balance, the delinquent notice on my account is inaccurate and should be immediately removed from my credit reports to repair my credit before I seek financing for a home mortgage loan. I have never had issues with credit card debt and this issue will significantly impact my otherwise excellent creditworthiness. When I called FNBO with this issue, I was told they would " look into it but can not promise anything. '' This is not an acceptable response and I need my credit to be repaired immediately.
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| 10/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Servicemember |
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In XX/XX/XXXX, after filing XXXX XXXX Bankruptcy in XX/XX/XXXX, I began my credit rebuild journey by opening a secured credit card with First National Bank of Omaha. At the time, they advertised that if you made your payments on time and managed the secured credit card accordingly, the card would graduate to an unsecured account after 11 months.
XX/XX/XXXX will be three years that I have maintained good standing with this credit card account and it remains secured with my initial {$500.00} deposit from XXXX. I made several efforts in XXXX and XXXX to reach out to FNBO to inquire about the card being transitioned to unsecured and each time they stated that this is an automatic review process.
Since I opened this card, I have paid off my bankruptcy early resulting in an early discharge. I've doubled my income and purchased two cars and a home. I have multiple unsecured credit lines with {$2000.00} to XXXX limits. I've paid off my FNBO card nearly every month, rarely carrying a balance to the next statement cycle. My account is on autopay to avoid late payments. Yet, I have this secured card with a very low limit hindering my credit profile.
Unfortunately, because it is one of my oldest cards opened during my credit rebuild, closing the card will cause my score to go down. However, having the card sitting there is also not beneficial as we know when I open new credit accounts, higher limits beget other higher limits. It's a catch-22.
I also find it concerning that FNBO has not requested my income during these automatic reviews. The income is an important piece of the review process and there is nowhere on the site that allows me to update it. How do you determine one 's full creditworthiness without the knowledge of their income? Whether or not they own their home?
FNBO advertises that the card would graduate after 11 months ; however, that is the furthest from the truth. Additionally, they are now advertising that cardholders can qualify for additional credit limit increases after 7 months without having to send in an additional deposit. I am three years in with the same account and terms that I started with. In speaking to a customer service rep today, they are still claiming the card graduates in the 11-month timeframe. Had I known that was not the case, I wouldn't have wasted my time with FNBO and used one of the other many credit card companies that actually keep their promises and use a human to make decisions on the customers they supposedly value, not a machine.
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| 05/31/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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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.
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| 03/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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1.I have never had an account with this company FIRST NATIONAL BANK OF OMAHA , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are FIRST NATIONAL BANK OF OMAHA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 03/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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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.
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| 07/26/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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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
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| 07/10/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX XXXX Fm XXXX XXXX XXXX, Tx XXXX XX/XX/2022 FNB Omaha Subject : Notice of Dispute - Reporting Inaccurate Information to Credit Report I am writing to formally dispute the inaccurate information being reported by FNB Omaha to my credit report. It has come to my attention that you are reporting an alleged debt in the amount of {$12000.00}, even though the said debt has been fully paid in accordance with the provisions outlined in the Federal Trade Commission 's regulations, specifically 16 CFR 433.1, 433.2, and 433.3.
Allow me to provide a brief overview of each of the regulations : 1. 16 CFR 433.1 : This regulation establishes the rights and obligations of both the debtor and the creditor concerning the repayment of a debt. It emphasizes fair debt collection practices and aims to ensure accurate reporting of debts.
2. 16 CFR 433.2 : This regulation governs the validation of debts and outlines the requirements for a creditor to provide proof of a debt upon request from the debtor. It is crucial in establishing the validity of the alleged debt.
3. 16 CFR 433.3 : This regulation pertains to the disputing of debts and specifies the procedures that must be followed when a debtor contests the validity or accuracy of a debt. It underscores the debtor 's right to challenge the debt and seek its removal from their credit report.
Considering the regulations, I assert that the debt in question, as outlined in the contract, has been fulfilled and paid in full. The promissory note associated with this debt is a negotiable instrument that clearly indicates my obligation has been satisfied.
Therefore, I kindly request that you rectify the reporting of this debt on my credit report immediately. Specifically, I request that my account be updated to reflect it as " Paid in Full '' and " Paid as Agreed. '' Accurate and fair reporting of credit information is essential to maintain the integrity and accuracy of credit reports.
I trust that you will conduct a thorough investigation into this matter and take the necessary steps to update my credit report accordingly. Failure to address this dispute within the statutory time frame may result in legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ).
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the correction made to my credit report within 30 days from the receipt of this notice.
Sincerely, XXXX XXXX
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| 04/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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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.
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| 06/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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After I received E-Statements from FNBO detailing a ~ {$20.00} balance due, I accessed FNBO 's mobile, which I used to make all previous payments on my FNBO card for the almost 2 years I used their services. The mobile app did not display any balance and, as a result, did not allow me to pay it. I accessed the mobile app multiple times in XXXX and XXXX attempting to find the balance that corresponded with my e-Statements. I was confused and assumed the e-Statements I received were a glitch or error.
Prior to XXXX, at the end of XXXX, my phone and other cards were stolen while I was traveling in XXXX. After the theft, I called FNBO to ask if I could use the card while traveling. Instead of answering my question or helping, they froze my account on suspicion of fraud. The only way they would un-freeze the card would be if I did a bank ID, which I told them was impossible, given I was out of the country and would not return to the US until the middle of XXXX. I believe the freezing of the account could have had an impact on the failure of the app to accurately represent my balance. I also believe the timing of the freezing led to my confusion about the e-Statements being erroneous.
FNBO 's records show that they sent me one email reminder to pay my credit card balance at the end of XXXX ( XXXX : an email reminder is not a notice of delinquency ) and letters in the mail after I missed the XX/XX/XXXX pay deadline. If FNBO had taken note and/or communicated to their collections department that I was out of the country they could have sent communications other then letters to my home address in North Carolina to notify me of my ongoing delinquency and need to pay. Given the error in the mobile app, I was under the impression that I had no balance to pay until my account was closed last week ( XX/XX/XXXX ).
The effect of closing my account has had a disastrous impact on my credit score and has even caused my other lines of credit to decrease my credit limit with them. I had a perfect payment history with FNBO ( and all my other cards ) before this communication failure. Additionally, I paid significantly much more on my other credit cards during the period that FNBO reported me as delinquent. I was not willingly avoiding paying my ~ {$20.00} balance with FNBO - I was failed by multiple systems of consumer service and communication at FNBO and left in the dark about my small debt with them.
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| 07/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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This complaint involves two banks : First National Bank of Omaha and XXXX XXXX XXXX We opened account with XXXX in XXXX We requested balance transfer We were not granted the amount requested and the pop up said we would be notified if they were able to do a transfer We received the card late XXXX We signed up for online services and upon doing so saw a transfer pending - although we were unsure to where Later we saw that the transfer was complete but did not see it on any account we had Contacted XXXX XXXX XXXX numerous times and have been in contact with and discussed with 5 Executive advocates that each tell us that we need to resolve this issue with FNBO because they cashed the check. Its my understanding that XXXX has contacted FNBO and they are saying that can't speak with them about the issue or use the Miss applied balance info that has been sent because they are not the customer and that my husband and I will have to do this. They have also completed a dispute for us just yesterday after two months of requesting help after a manager at XXXX and FNBO spoke and disagreed on the next steps. We have been told in no uncertain terms that XXXX can do nothing else for us. Listen to all the recorded calls please.
Contacted FNBO as requested by XXXX. We usually can not get farther than the associate- although lately, we have been able to get a manager to discuss. FNBO says that it is XXXX that needs to resolve this. I have sent a copy of the cashed check to FNBO 4 times to the accounting department. Apparently, because the check has not been applied to an account it is in limbo. So they say it is XXXX that we need to talk to.
The check for balance transfer had many issues. The account number was incorrect XXXX has made it clear that we must have made that mistake - Ok maybe we did it is our XXXX XXXX XXXX number except one number is incorrect. The check was sent to XXXX XXXX XXXX XXXX XXXX and cashed by First National Bank of Omaha. The check was for {$470.00} and was written on XX/XX/23 and per my statement cashed XX/XX/23. It has my husbands name and address. It is confirmed that the routing and acct number on the back are in fact FNBO.
It is ludicrous that I have to continue to call each place and spend hours of my time on the phone and emailing to get this resolved. We are also currently paying for this balance transfer on my XXXX account to which we have had no benefit.
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| 07/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I purchased from indepth engraving in the amount of {$2600.00}. I entered into negotiations with the owner of the company XXXX XXXX, XXXX XXXX ) after agreeing the individual sent me a invoice through his company via XXXX account. The individual stated that the order will be coming from XXXX so he wouldn't expect product for 6 to 8 weeks later. After some time past I made contact and the individual notified me that he had issues with the factory in XXXX and that he had to use another factory. Some time after he notified me that the color that I ordered was wrong and that they had to redo the batch of color again to get it right. The individual then sent me a picture of the correct color and I approved which would be shipped out asap and that he should expect it by boat from XXXX around late XXXX or early XXXX. I then contacted him XX/XX/XXXX with no response then XX/XX/XXXX with this response... " Sorry I work night shift. I sleep during the day. Im closing the business, I have gone bankrupt due to shipments getting lost, call your bank and file a chargeback dispute. XXXX has frozen everything so I cant issue refunds. ". I immediately filed a dispute with my XXXX credit card ( XXXX XXXX XXXXXXXX XXXX ) on XX/XX/XXXX. XX/XX/XXXX I received a email stating that my request is acknowledged but they need some time to investigate. When I made my dispute they requested that I send the original invoice and the XXXX chat that showed the individual stating that I need to file a dispute with my credit card company. XX/XX/XXXX I received another response back stating that they were not going to investigate my dispute because the purchase was made more then 120 days ago. I immediately responded to the email stating that no investigation was even conducted because of the 120 days and that I was appealing this discion. I received no response back so I called them today XX/XX/XXXX ( after the weekend ), the response I was give on the phone was the same thing past 120 days good luck next time. I explained that end of XXXX early XXXX was my expected shipment arrival but they did not want to hear about it. I have consulted with a lawyer and was told to file civil litigation against XXXXXXXX XXXX XXXX XXXX but before having to go through that I was hoping that you may help me to get them to understand that I'm protected under the fair credit billing act through the federal government.
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| 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
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|
Web |
Older American |
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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 line increase/decrease
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Web |
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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.
|
| 07/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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In XX/XX/2023, my estranged husband opened a credit card through First National Bank of Omaha ( FNBO ) for a store called XXXX with a credit limit of {$6800.00} and he applied for a personal loan in the amount of {$5500.00} with the same bank using my personal information without my permission.
I contacted FNBO and had the card canceled. And was told about the personal loan which I stated was also not applied for by me. I asked for whatever records they had showing that my husband did this so that I could press charges. They told me I needed a subpoena to get that information. I believed them until I put a fraud alert on my credit and received confirmation in the mail by XXXX. Also, listed on that confirmation letter were my rights as an identity theft victim under the Fair Credit Reporting Act ( FCRA ).
I then called FNBO again to ask them what I needed to send for them to release the records and was told again that I needed a subpoena. When I stated that wasn't true, I was told someone from their fraud department would call me back. After waiting several days and not getting a call, I contacted them again and was told the person who handled these issues was out of the office for a few days and would call be back. Of course nobody ever called me.
So, I researched what I needed to do in order to obtain the records. I filed a report with the Federal Trade Commission ( FTC ), I filed a police report, I filled out an identity theft affidavit, I wrote a letter asking for the records, I enclosed a copy of the FCRA that stated my rights as a victim of identity theft, I also enclosed a copy of the FTC report, the police report number, proof of identity and proof of address. I sent everything to FNBO by certified mail and was notified that they received it on XX/XX/2023. Under the FCRA, they had 30 days to send me what I asked for without charge so I waited until XX/XX/2023, but hadn't received anything. So, on XX/XX/XXXX, I called them again, but this time, I recorded the conversation where I was told the records would be sent and I would receive them in 5 - 10 business days.
It is now XX/XX/2023, more than 30 days overdue and I still have nothing from FNBO.
I need these records in order to press charges, but I have hit a brick wall with this bank and I don't know what my next step should be, and that's why I am contacting the Consumer Financial Protection Bureau.
|
| 12/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
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
|
| 07/02/2022 |
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
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|
Web |
Older American |
|
Hello, I'm sorry I can't remember the dates but I had a credit card from the Bank of Omaha. I had other credit cards from other companies also, my credit was great at 800+. I had received checks from BoO saying I could use them and the interest would not start for 6 months and then it would be a very low-interest rate. My HVAC went out and I had to have a unit. I used one of the checks and then the bill came in. They had added it to my account at the regular interest rate. This made my minimum payment skyrocket. For this card alone, my minimum payment was {$250.00}. I only had Social Security and before this, I managed to pay over the minimum for all my cards. I called and spoke with the company and they denied that the checks they had sent said this. At this time, I had more checks and proof that it did indeed say that. I no longer have these.
I couldn't make my payments and I didn't know what to do. I contacted all my credit cards and all of them except BoO and XXXX agreed that I could make a lower payment and get caught up. But considering that BoO and XXXX wouldn't let me do this, I still couldn't make my payments. A company called me and said they could help me and get all my cards paid off in four years. Well, that didn't work out as they were going to keep the money I sent in every month and then " make a deal '' with all the credit card companies.
A few years later BoO sued me, and the court date was put off due to COVID, It was re-set, and then it was canceled again. I had no idea when my court date was then. Then I got a letter from BoO and they had put a lien on my house because I hadn't shown up in court. How could I when I had no idea when it was? I had previously called the Attorneys that were listed on the paper and never got an answer no matter when I called.
This whole problem, ruining my credit and all the rest was their fault for sending me checks and offering me promotional rates that I never received. Then taking me to court and did not let me know the date to show up.
Now, my credit is ruined, and only recently did I get another Credit card. XXXX XXXX took a chance on me and I'm back to paying my cards as agreed even though the APR is astronomical. I pay more than the minimum every month. I could have paid off the cards that I had then if only BoO and XXXX would have given me the chance.
Sincerely, XXXX XXXX
|
| 12/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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|
Web |
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I recently got a Card from The first National Bank Of Omaha called XXXX XXXX XXXX XXXX. I used it to make purchases on Sunday XX/XX/XXXX. They were all online purchases and when I went to make another purchase the card was not accepted. I called the card and they connected me to the fraud department. They then asked about all the purchases and amounts and I said yes that I made those purchases. They then asked some security questions in which I answered including they wanted my drivers license number to identify me. later found out they were not to ask for this. They said my information did not match up with my account. They lady I talked to was new and didn't know what she was doing. They then told me in order to identify me I have to go to MY financial institution and Have them call the credit card to identify me or send by email notarized documents of tax records,10W40, and ID!! What card does this??? I went to my XXXX and they strongly told me that this is not a good card and they should not have to call this card company that has nothing to do with the XXXX to verify me as the card company should already have this in place.
I called the First National Bank Of Omaha back and they told me the same things to have done to verify me and they can not tell me anything about my account and they have blocked me completely out of my online account.
At this point they will not even close my account at my request!! They also will not tell me how much I owe them so I can pay off the card and even if they did they still will not close the account with the fraud alert on it.
I have ready online a lot of bad reviews on the First national Bank of Omaha. There are a lot of people going through the same thing as I am with them. I believe what they are doing and requesting for access to my account is fraudulent and possibilities for identity theft.
I have contacted XXXX and they suggested to put a freeze on my credit information in which I have done.
I would like this First Bank Of Omaha investigated! There should be no reason they can not identify me when I entered all my information correctly when I applied for the card. They would not have issued it to me if I didn't have correct information.
I have also been strongly advised to not send in those documents to them so I am not doing so.
Please get back to me on your investigation. thank you
|
| 08/06/2015 |
Yes |
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Web |
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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
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Web |
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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.
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| 12/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Sent card you never applied for
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Web |
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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.
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| 11/16/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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What happened here is that First National Bank of Omaha wronged me as a customer by violating the terms and conditions of my personal loans agreement. Back in XX/XX/XXXX Ive signed a XXXX personal loan agreement with First National Bank of Omaha XXXX FNBO ) for {$3500.00}. Ive signed up for automatic ACH payments on my account, which made automatic payments to principal and interest at a cost of {$91.00} per month. The first such payment occurred on XXXX XXXX, XXXX. The final payment should have occurred on XXXX XXXX, XXXX, under the terms and conditions of the loan agreement. But FNBO breached the contract by extending the loan term without my consent beyond 48 months. Theyve sent me a XXXX billing statement saying I owe XXXX cents on the loan. An automatic payment of XXXX cents is scheduled to occur on XXXX XXXX, XXXX, and FNBO is still reporting my loan account as active to the national credit reporting agencies. My problem here is that I should have never been sent a XXXX billing statement demanding more payments, and FNBO shouldnt be attempting to collect a XXXX payment from me as it violates the terms of the XXXX loan contract. FNBO deceived me and gave me the false impression that they would report my loan account as paid in full once Ive made XXXX on-time monthly payments. But my personal credit monitoring service records show my FNBO account remains active with XXXX years and XXXX month as an FNBO personal loans customer. My status as an FNBO customer should have ended in XX/XX/XXXX with the XXXX payment that contractually was supposed to be the final payment. Ive contacted XXXX on XXXX XXXX, XXXX, voicing my complaint and requesting they rescind the XXXX billing statement and waive the XXXX fee. The individual named XXXX said he could only convey my complaint to his XXXX. So XXXX making this CFPB complaint to report FNBOs unfair and deceptive trade practice. The fact that XXXX is charging me XXXX cents toward principal in a XXXX payment suggests theyve unjustly enriched themselves. Their calculations for the loan amortization harmed me as a customer for their own gain. They shouldnt be allowed to get away with this blatant breach of contract, and the damages theyve inflicted upon me is greater than XXXX cents. XXXX demanding justice and accountability. Thank you for taking my complaint.
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| 12/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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The beginning of XX/XX/2023, I was making my monthly payment with FNBO. I added a new bank to pay with prior to my due date bc my check is direct deposited there.
I was making my payment early as I have always done. I have never been late. Unfortunately, my new bank connected through XXXX XXXX saw the transaction as a possible fraud and rejected to pay.
As soon as I realized this, I attempted to immediately go and pay with the original bank I use for this payment. I was willing to pay the monthly payment and late fee. But FNBO 's system would not accept payment bc now they demanded I pay for XXXX as well even though XXXX 's payment was not due for another month.
I didn't have XXXX to pay at that time. I asked via message to pay the XXXX payment and late fee. Each time they tell me that I must call and they also call me multiple times a day even though I have made it clear in writing multiple times that I have a XXXX and can not do a phone call. Each time they ignore my request for accommodations or allowing me to just make the payment.
They say they have a secure messaging system but they won't message back and continue to call me on the phone. I have sent multiple messages requesting to quickly resolve this and remind them of my XXXX. I also have replied to emails but they won't reply back.
Fast Forward to today, XX/XX/2023. I have acquired the XXXX to pay for XXXX, the late fee, and XXXX 's payment due on XXXX XXXX and the online payment system still refuses to allow me to pay.
I am literally being set up to fail bc my XXXX are being ignored and there is no other way besides the phone to talk to them.
I have taken screenshots each time I used their secure messaging system to prove of my messages and as well have screenhots of emails.
I am good customer that had a mishap with my payment in XXXX that I did not expect and immediately tried to rectify this, but I am being blocked from doing so.
It further bothers me because I have a teen with hearing loss, and if I can't get companies to respect my XXXX, how do I guide her?
I talked to XXXX XXXX XXXX counseling and they said I should contact you because there shouldn't be this issue and lack of respect to accommodate XXXX.
Bottom line, I just want to pay by my XXXX due date and move on to living my life and being a parent.
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| 07/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
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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.
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| 10/09/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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Web |
Older American |
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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.
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| 01/10/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I applied for the XXXX XXXX Credit Card issued through XXXX on XX/XX/XXXX. Due to a fraud alert on my credit file, XXXX reached out to my to further process the application on XX/XX/XXXX. I verified that I had done the application and I was told everything was good to go to further process the application for an approval or denial. Later on XX/XX/XXXX, I received an email saying I was approved for the card. On XX/XX/XXXX, the fraud and review team reached out to me and stated that they couldn't verify my identity and that I needed to pay for and send notarized documents in so that they can remove the hold off of my account for ID verification. I had advised the agent that I spoke to someone and they had already verified my information with questions and calling my number that's on my fraud alert. The agent told me that I would still need to send in the notarized documents as an added security for the account. I send in the documents twice ; once on XX/XX/XXXX and again on XX/XX/XXXX because I was told the first set wasn't received. On the call with an agent from the fraud and review team I was told that there were XXXX notarized documents in front of mine and everything would be reviewed in the order received that day. I was told to call back at the end of the day. After XXXX days of getting the runaround in regards to my documents I call today on XX/XX/XXXX and ask what's going on with everything. I was told by an agent that my account was closed because I was considered a high risk and they felt I would do fraud on it. This is so frustrating because I was told that once my notarized documents were reviewed, the account would be good to go. That was so far from the truth. My next question is if you all thought I would do fraud/ was high risk ; why have me pay all this money to send in notarized documents and then continually dismiss me when I ask that. I want the money I paid for the notarized documents back and I also want the information for the legal department because I am getting my lawyer involved. I have done absolutely nothing for an agent at a company to tell me they suspect I'll do fraud and I'm high risk. I've never done fraud before ; so outside of me being XXXX and having a XXXX XXXX XXXX, what would cause XXXX XXXX say such a disgusting statement.
|
| 04/02/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
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.
|
| 03/15/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Older American |
|
On XX/XX/XXXX, I applied for a XXXX XXXX XXXX Credit Card, for which I intended only to use for gasoline purchases at a local XXXX XXXX XXXX. On XX/XX/XXXX, the bank who manages this credit card, First National Bank of Omaha ( FNBO ), sent me a letter saying they couldnt check my credit unless I removed a credit freeze from my credit bureau accounts. I didnt get their letter until XX/XX/XXXX, but I removed the freeze temporarily, from XX/XX/XXXX to XX/XX/XXXX. Once the freeze was removed, FNBO was able to run my credit report. Today, I received a letter from them, in which they now claim that they cant continue with my application unless I provide the following information ( also shown in the attached file ) within 20 days : 1. Copy of my driver license/state ID verifying my mailing address 2. Signed copy of my original social security card 3. Copies of W2s for the past 2 years I called the bank to express my extreme concern that they are asking for this information as I feel its excessive to ask of a consumer who has a XXXX score of XXXX. In addition, when I advised the rep that I am retired and dont have W2s, she said I could send in my tax returns for the past 2 years.
Although I dont understand the need to verify my address since Ive already received 2 letters from them at my address and Ive lived at that address for 11 years, I am willing to provide them with a copy of my drivers license. For the social security card, why do they need this? Theyve already ran a credit report with the social security number I provided on my application. For the W2 request, asking me to provide 2 years of tax returns is overkill.
Ive had credit card accounts since XXXX and have always excellent payment history, and currently I am only using 4 % of my available credit, as confirmed by my XXXX account. I have NEVER had to provide this level of documentation to any credit card company, but in particular, for this type of credit card, which I intend to use only for gasoline purchases, and don't expect the credit limit to be more that {$500.00}.
It seems as if this bank wants to deliberately make it difficult for me to obtain their credit card. To reiterate, I have a XXXX score of XXXX. There is no reason for them to ask for these types of additional documentation.
|
| 01/27/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
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I originally opened a credit card account with First National Bank of Omaha more than 10 years ago, but due to financial hardships, I could not afford to make payments anymore, and the account was closed around XXXX or XXXX. The debt was transferred to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX. I received a letter from this law firm stating that I owe them a total of {$11000.00}. I attempted to contact them by writing a letter asking for the original contract from First National Bank of Omaha, the amount owed at the time the account was closed, and the date the account was closed. This law firm never responded to my request. Instead, they received a judgment from the Levying officer, Sheriffs Department XXXX XXXX, and attempted to withdraw {$11000.00} from my XXXX XXXX joint mortgage checking account I have with my Wife in XXXX. My bank denied their request for the total amount, but did grant a withdrawal of {$580.00} from this account. I scheduled a court date to have a claim of exemption because I could not afford to pay the amount they say I owe to due a financial hardship. During this appearance, I told the court this, and also told the court that I mailed a letter to the law firm requesting for information pertaining to this debt but did not receive a response. The law firm told the court they never received my letter ( I still have a copy of the letter as well as the reciept and post post marked date the letter was mailed ). Therefore, the judge denied my claim of exemption. As a result of this, my Wife and I had to cancel our XXXX XXXX mortgage account, for fear that the law firm would take out more money which would have prevented us from paying our mortgage, and ultimately causing our mortgage to go into default.
Most recently, I was notified from my current employer in XXXX of XXXX that the Levying officer of XXXX received a judgment from the court to garnish my wages effectively immediately, and now 20 % of my bi-weekly wages are being garnished, which has really put me into an even deeper financial hardship. I can not afford a lawyer to represent me, and my hope is that the CFPB can look into my situation and help me determine if the debt amount is valid of not. Thank you,
|
| 06/10/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
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|
Web |
Older American, Servicemember |
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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}.
|
| 04/14/2022 |
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
|
|
Web |
Older American |
|
On XXXX XXXX, I received a bill from First National Bank of Omaha for charges of {$64.00}, my credit card ending with XXXX. Knowing that I did not make any purchases, i examined the bill carefully and noted that the contents of the bill ( Transaction Detail ) reflected charges made from play station network. dated XXXX XX/XX/XXXX. I immediately called First National Bank of Omaha and informed them that I did not make any purchase on my credit card, and furthermore, i am XXXX XXXX XXXX and do not own a console.. My husband is XXXX XXXX XXXX and he does not own a console either. I do not have any grand children who live nearby and I can't imagine how this error could have occurred. I was told by XXXX that they would investigate the matter further, and not to make a payment because an investigation will commence. ( The moment they mentioned my old address and telephone # at Delaware, I knew that I was a victim of fraud ). First National Bank of Omaha closed the account and issued me another credit card. On XX/XX/XXXX, I received a letter from First National Bank of Omaha fraud dept, informing me that they have completed their investigation and I made these purchases. This is absolutely false. I am struggling to get over XXXX of my XXXX XXXX, and I did not make these purchases. I moved to my present address 3 years ago, and I believe that First National Bank of Omaha sent out a credit card to me, and it probably went to my old address in Delaware, and someone got hold of that card, and made these purchases. Furthermore, they informed me that a purchase on this card was made in XXXX, and it was paid by error, however, they would refund me the {$59.00} that was paid in error. I am very disturbed at the knowledge that someone used the card, and now I am being billed for purchases that I did not make. I have an outstanding credit score, because I am a good citizen and pay my bills on time, however, I know that I have been a victim of identity theft, ( As I did not authorize any one in to purchase anything using the above card. ) Kindly help me as I know that I am an innocent victim. You can contact me at XXXX and at my email address of XXXX. Thank you for your kind consideration to this matter. Sincerely, XXXX XXXX.
|
| 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
|
|
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
|
|
Web |
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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}.
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| 08/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Negligence, poor billing practices, trick and device/scheme and or fraudulent billing I was a previous DMV investigator for the State of California and worked credit card fraud and was a member of the International Credit Card Fraud Investigators Association .
Here, FNBO is violating the XXXX XXXX XXXX with XXXX XXXX.
FNBO is under contract with XXXX XXXX XXXX as well.
Here, FNBO under Credit Card # XXXX does not participate in the normal business practices of automatic and automated credit card payment system, thus this adds significate delay in processing payments as my banks have to send a " Snail mail '' check to FNBO for processing.
Plus, a memorandum by the XXXX stated last year, a significant delay with XXXX process of mail, whereas FNBO has not acknowledge in their payment processing.
Herein lies the continued issue with FNBO, when a payment is submitted to my bank, XXXX XXXX, which is only a internet bank, they have to physically cut a check and mail to FNBO.
FNBO inherently has a really poor performance record of clearing any check, takes over XXXX weeks an up to XXXX weeks to process and reflect on their end.
This is way over the time for processing in like kind commerce, thus here under trick and device, negligence, FNBO common violations are an attempt to delay payment, adding fees and charges to the consumer in violation of the XXXX XXXX master contract with banks and financial institution.
The way FNBO makes snail mail a process to pay, inherently makes this account subject to needless delay in processing. In addition, the XXXX XXXX XXXX a small city in XXXX, leads credence to questionable times, employees actually go to the XXXX XXXX XXXX pick up and process bills send to the entity.
FNBO billing practices are subject to CFPB oversight, and we are alleging, negligence, trick and device and a scheme whereby they intentionally delay and charge customers fees and charges for delay in payments that is set up that way by FNBO.
We suggest CFPB conduct an audit of FNBO billing practices as this is not an isolated incident and a practice since I obtained this card a year ago, as they routinely take up to XXXX weeks or more to process mailed in payments.
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| 03/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
Older American |
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Background : My interest rate was 29.99 % on a credit card I hold with the Bank of Omaha and I have continuously paid my credit card balance in full but my troubles began on XX/XX/2023. Please see below for details.
On XX/XX/2023, I had a previous balance of {$660.00} which I paid in full and a new Balance of {$3100.00}, with Balance subject to Interest Rate of {$2600.00} and interest of interest due.
On XX/XX/2023, I had a previous balance of {$3100.00} of which I paid XXXX, and a new balance of {$3700.00} with Balance subject to Interest Rate of {$2500.00}, and interest of {$58.00}.
On XX/XX/2023, I had a previous balance of XXXX of which I paid {$3700.00}. and had a new balance of {$1800.00} with Balance subject to Interest Rate of {$3600.00}, and interest of {$87.00}.
Prior to the XX/XX/2023 statement I paid {$2100.00} against the amount of {$3100.00} which meant I had a remaining balance of {$990.00}.
Interest on {$990.00} at 29.99 % according to my calculation should be {$24.00} but I was billed {$5800.00} which according to XXXX of Bank of Omaha is based on the Balance subject to Interest Rate of {$2500.00}.
Prior to the XX/XX/2023 statement I paid {$3700.00} against the amount of {$3700.00} which meant I had a remaining balance of {$0.00}.
Interest on {$0.00} at 29.99 % according to my calculation should be {$0.00}, but I was billed {$87.00}, which according to XXXX of Bank of Omaha is based on the Balance subject to Interest Rate of {$3600.00} I spoke with XXXX from the Bank of Omaha and she promised to remove the {$87.00} interest charge because they may have done so if I paid the next statement in full.
My concern is that the Bank of Omaha and others in the credit card industry are charging me and maybe tens of millions of others like myself interest on transactions for which we have been billed and at some exorbitant rates.
I also told XXXX of Bank of Omaha that I will be recording my phone call with her because the bank is recording my phone call with her but she refused to speak with me if she was recorded.
Where are we with the laws of this great land? Consumers are at the mercy of the corporate giants and it appears that we are helpless.
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| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American, Servicemember |
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I had a MGM Rewards Mastercard through First National Bank of Omaha with a credit limit of {$14000.00}. In XX/XX/2023, I noticed charges in excess of {$200.00} from XXXX. I called FNBO and they closed that card and reissued me a replacement card with a different number. On XX/XX/XXXX, I made a payment of {$10000.00} to my existing balance. On XX/XX/XXXX, FNBO then cut my credit limit 80 % from {$14000.00} to {$2800.00} even tho I had NEVER been late on my payments or made a payment that didn't go through. In fact, since I used that card frequently because of the rewards program, it was not uncommon for me to make several large payments in a month so I could continue to accrue points. When I called FNBO I was told that they would not discuss this with me, that I would get a letter in the mail and that nothing could be done about this. I informed them to close the new account and promptly stopped payment on the {$10000.00} payment I just made with the premise that I would just continue making the minimum payments until paid in full. This reduction in my credit limit resulted in FNBO showing me over 450 % over my credit limit, thus dropping my credit score over 70 points. I have tried to get FNBO to resolve this issue numerous times even offering to pay the card off in full, but they denied it every time. I explained to them that I NEVER used the card after they reduced my credit line and the way they are reporting it to the credit bureaus was incorrect, unwarranted, wrong and irresponsible. The way it shows on my credit report indicates that I excessively used their card to gain monetary gain which never was the case. My outstanding balance occured when my credit limit was {$14000.00} NOT {$2800.00}. Also, during my time disputing all this, they show me 30 days late on my payments but the minimum payment they said I owed was over {$10000.00} because they cut my credit limit so severely. I have since gotten them to agree to what the minimum payment should be AND I brought the account current was that was agreed to by FNBO. I currently have credit card credit lines in excess of {$110000.00} and have NEVER been late with my payments.
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| 02/23/2016 |
Yes |
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Web |
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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.
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| 10/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
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|
Web |
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This account was supposed to have been closed in XX/XX/XXXX by my ex husband. I never knew of this credit card until we filed divorce in XX/XX/XXXX, at this time I learned there was an account in my name although I never opened this nor even held the credit cards. XXXX XXXX,, my ex husband opened this account and also added himself to this account as a secondary user. Since we were divorcing, he paid all final balances and it was settled and supposed to have been closed after divorce. I called in XX/XX/XXXX when I learned he reopened the account and asked for cards to be mailed to an address I have never lived at. I immediately called and told FNBO we are divorced, NO accounts should be opened in my name, NO cards should be sent out and confirmed there were NO accounts. I was told NO, and tthis was recorded. A few days later, my ex called and said he wanted ANOTHER address on file and asked for cards to be mailed there. The fact that i called and said we were DIVORCED and there should be NO cards in my name was disregarded and cards were mailed out to MY name but not my address, nor was I notified. My ex husband proceeded to use these new cards and I called SEVERAL times to remove myself, had him fill out release of responsibility forms and he even called and stated he wanted to transfer them to his name solely. I went to XXXX XXXX and informed them of this as well. FNBO had me pay a balance of {$670.00} and told me as long as I paid that balance and his account was up to date, that they could file the paperwork to remove me. I have spoken to fraud and several departments and have failed to get myself removed from this fraudelent account. I told the agent XX/XX/XXXX that we were divorced and that I was making sure NO more accounts were opened and I wanted all closed, so there should have NEVER been cards mailed on multiple occasions to my EX husband. I have spent hours upon hours trying to get this resolved since this was fraud yet FNBO refuses to remove me even though they have on recording and paper that he takes responsibility for this account he opened without my knowledge and fraudently.
|
| 08/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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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.
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| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American |
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On XX/XX/2023 I submitted a complaint to the Consumer Financial Protection Bureau case # XXXX detailing how First National Bank of Omaha had reduced my XXXX Mastercard credit limit from {$14000.00} to {$2800.00} a day after I made a {$10000.00} payment. After contacting FNBO numerous times and being told there was nothing I could do about it, I closed my account and stopped payment of the {$10000.00} payment I made the day before. I stated to CFPB as well as to FNBO that I had never been late with my account and it was customary for me to make several large payments every month as I used that credit card heavily because of its rewards feature and that it was a poor business practice to cut someone's credit limit 80 % without any form of contact to the customer. They never called, texted, or emailed me informing me of the reason for their actions. After complaining to a high-level supervisor at FNBO they finally mailed me a letter saying my credit score had gone down. I have NO LATES with any of my current or past credit cards ( currently I still have almost {$120000.00} in credit limits with my current credit cards ) but it's their credit card and they can do what they want so I accepted their decision. My problem with FNBO currently is that their idea of " fixing '' my issue is to show a closed account with a credit limit of {$12000.00} instead of {$2800.00}. The problem I have with that is that it still shows me with a history of being over the limit and subsequently lowers my credit score. In addition, FNBO showed me 30 days late in XX/XX/2023 when their app showed me a minimum payment due of almost {$10000.00} due to the credit limit being lowered. When I spoke to the person at corporate, he said he would get both the credit limit on the closed card and the late payment resolved and he would get back to me in a few weeks with the resolution. Fast forward FOUR MONTHS and still nothing has been resolved. FNBO 's actions have severely impacted my credit score as well as my reputation as a reliable and responsible credit credit-worthy individual.
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| 03/02/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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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.
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| 07/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American |
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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
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| 03/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
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
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|
Web |
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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 |
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Web |
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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
|
|
Web |
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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.
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| 12/12/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
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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,
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| 10/25/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened without my consent or knowledge
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Web |
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I received an email from FNBO-Direct on XX/XX/ confirming they received my application for an account. I was given an application number.
I had not opened or requested an account and thought it was a fraudulent email from a fake bank. I confirmed that FNBO-Direct is the First National Bank of Omaha-Direct and I that are an actual bank. I forwarded the email to their report phishing attempts believing I was sent a fake email from the bank.
On XX/XX/XXXX XXXX I was sent an automated email thanking me for reporting the phishing.
On XX/XX/, I received an email from FNBO-Direct stating that Our attempts to make a trial deposit into your XXXX XXXX XXXX XXXX Checking account using the information provided in the application process have failed.
I did not apply for an account with FNBO-Direct, nor do I have an account at the XXXX XXXX XXXX and therefore did not fill out an application with this information.
On XX/XX/, at XXXX XXXX Eastern I called FNBO about this issue and spoke to someone who wanted me to give my social security number to access the account application, and I refused to give them my SS number and ask to speak to someone else. I then was transferred to someone from FNBO-Direct who could assist me by accessing the account information based off the application number that was in the email. I explained my situation and the emails I had received from their bank about a fraudulent account opened in my name. I live on the XXXX XXXX and would not open an account at the First National Bank of Omaha or have a XXXX XXXX account because I dont live in either of these places and have no need for this. She closed the account and told me to contact the FTC.gov to report the fraud and to contact credit check companies such as XXXX to see if additional accounts were created in my name.
On XXXXXXXX XXXX- found an email saying my attempt to open an account was closed because information couldnt be confirmed. The email was sent at XXXXXXXX XXXX but I did not see the email until XXXXXXXX XXXX
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| 01/06/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
Older American |
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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
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| 08/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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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
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| 11/07/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am writing in response to a recent communication dated XX/XX/, regarding an alleged debt in the amount of {$9500.00} USD on behalf of First National Bank of Omaha. I am genuinely uncertain if this debt is valid and whether it pertains to me.
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. As such, I kindly request that you provide the following information : The name and contact information of the original creditor, First National Bank of Omaha.
A copy of any contract or agreement signed by me related to this debt.
A detailed accounting of the debt, including the principal amount, interest, fees, and any other charges that make up the total debt.
Proof that XXXX XXXX XXXX XXXX is authorized to collect this debt in the state of Illinois.
Any documentation that demonstrates I am legally responsible for this debt.
Please ensure that all of this information is provided within 30 days from the date of your receipt of this letter, as required by the FDCPA ( 15 U.S.C. Section 1692g ). If you are unable to provide the requested documentation, I expect the debt to be immediately removed from my credit report and consider the matter resolved.
I am providing my full legal name as XXXX. However, I noticed that your correspondence addressed me as XXXX. Please be aware that this information is not meant to acknowledge or confirm the validity of the debt but to ensure that my identity is correctly identified in your records. My internal case/file number, XXXX, should be sufficient for your reference.
I request that you cease all collection activities, including phone calls and letters, until the debt validation process is completed.
I will also be submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter for record-keeping purposes.
Thank you for your prompt attention to this request. I look forward to your timely response and the resolution of this issue.
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| 08/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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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.
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| 05/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Around XXXX, XXXX, I applied for a credit card called XXXX rewards issued by FNB Omaha. On XX/XX/XXXX, the credit card application was approved for a credit line of {$15000.00}. I called in to activate the card, I was told that the account is on hold and that I will be receiving a letter in regards to what needs to be done to remove the restriction. However, I was going to leave the country for a vacation, and when I came back on XX/XX/XXXX, I had received a letter asking for me to send in a copy of my drivers ' license, and my previous year 's W2. I sent it over to them on XX/XX/XXXX, XXXX on XX/XX/XXXX I called them to see the status of my account, I was told that " i have sent incorrect documentation, and that I need to send those documents in after having them notiarized. '' So About a week later I had those documents notarized, and faxed it over to them. However, about a week after that I called them, and they said they have not received those documents and they gave me an email address to email it to them. I emailed those documents to them on XX/XX/XXXX ALL NOTARIZED as they had requested. On XX/XX/XXXX, I called in to find out if they received those documents and if they got a chance to review them, I was told that my account is closed as of XX/XX/XXXX and they gave me no explanation as to why it is closed other than the fact that I needed to send those documents in within 60 days of the receipt of the letter. When I was told on XX/XX/XXXX that I need to send those documents in notarized, I have sent those documents in on XX/XX/XXXX, which is 20 days. I do not understand What is the reason behind their decision as this is the not the first time I am hearing them do things like that. In fact, there are multiple complaints for the FNB Omaha bank for the way they operate when it comes to opening new accounts, and how they close the accounts after requesting and receiving the documents that they " need '' after approving the application initially.
|
| 09/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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|
Web |
Older American |
|
XXXX XXXX XXXX {$90.00} XXXX XXXX XXXX XXXX XXXX First National Bank of Omaha ( FNBO ) that was approved 7 hours later and on the official XXXX XXXX website showed a bill offer that I would get a {$100.00} reward so my trip cost would be {$0.00} if I was approved and it would only take a few minutes to see if approved. This email does not document my card was an annual PREFERRED {$98.00} membership fee. XXXX uses the same type of promotion but XXXX was legitimate, XXXX did not illegally sign me up using false marketing schemes and XXXX did not illegally enroll me in a recurring {$98.00} membership fee like FNBO.
XXXX received credit card with preferred annual fee membership. I checked balance to see if they charged me, but she & XXXX said they could not issue me the free membership card. So basically a {$90.00} trip ended up costing me {$280.00} since I never received any rewards and she said I'll be charged {$99.00} at the end of the month. Plus after 10 years I'll spend over {$900.00}. If I close tge card my credit will be destroyed!! Also FNBO XXXX with customers credit limits causing expensive fees and further damaging credit score.
The official XXXX XXXX XXXX FNBO the predatory XXXX run an organized online cyber gig that gains access to customers credit cards using false pricing and in less than 3 minutes hijacked my money to a card that has add on fees and FNBO is an organization worth {$1.00} XXXX full of CEO grown-ups working for corporate greed bleeding average Americans and destroying their credit scores. And it IS ILLEGAL FOR COMPANIES TO DECEIVE CUSTOMERS INTO THINKING A DISCOUNT EXISTS WHERE IT ACTUALLY DOESN'T.
I do not want FNBO credit card. FNBO has cases stemming back from XXXX charged for using deceptive business practice. I hope for a fraud solution with the XXXX credit companies so I don't get penalized as a company XXXX makes {$1.00} XXXX dollars should be held accountable for my tiny request compared to their billions.
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| 10/05/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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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
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| 06/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
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|
Web |
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I hold a co-branded credit card issued by First National Bank of Omaha through XXXX 's guest rewards program. At XXXX EST on XX/XX/2023, I received an e-mail from First National Bank of Omaha from the e-mail address " XXXX ''. This e-mail for a statement contained personally identifiable information about another FNBO cardholder, a XXXX XXXX XXXX. It also included details about XXXX XXXX account, and financial details including the current outstanding account balance, minimum payment amount, and required payment date. At approximately XXXX on XX/XX/2023, I called FNBO at the number on the back of my Credit Card and notified them of the security incident and was assured that my information was being passed to the banks security team and would investigated. While I waited on hold with FNBO, their Phone System played a per-recorded message that my privacy was their top priority. I guess the irony is lost on FNBO. At approximately XXXX on XX/XX/2023, I received another e-mail, again from " XXXX ''. This statement contained similar information for another FNBO cardholder, this time for a XXXX XXXX XXXX. Both statements also appeared to be for other cardholders which held XXXX guest rewards co-branded credit cards. I called FNBO once again, to report this second security incident. I requested to speak to a supervisor, and the supervisor again took down the details of the incident and stated that this information would be passed to the security team. The representative was unable to provide me with any internal case number or reference to check on the status of my request, nor would they provide me with any timeline for when someone from the bank would be able to follow up with me or provide me an answer regarding these two security incidents. You can find attached copies of these messages, including header information. These communications have since been deleted from my inbox and local copies removed in the interest of these individuals privacy.
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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Subject : Urgent Request for Documentation - Account Number [ Your Account Number ] Dear Sir/Madam, I trust this letter finds you well. I am writing to address a matter concerning the alleged debt associated with my account, specifically referenced under account numbers [ Account Number 1 ] and [ Account Number 2 ] that are also not reporting on my consumer report. As a responsible consumer, I have consistently sought to understand the details surrounding these alleged debts.
Your recent correspondence indicates two accounts, one with a balance exceeding {$600.00}. My primary concern is to obtain accurate and substantiated information regarding these purported debts. To this end, I have repeatedly requested documentation, particularly Form 1099-C, which would serve as proof of the debt cancellation.
While I appreciate the complexities involved, the timely provision of Form 1099-C is crucial for transparency and compliance with tax regulations. However, my attempts to obtain this documentation have been met with responses indicating that there " isn't time for that. '' In light of your assertion that I owe these debts, I kindly insist on the prompt furnishing of the Form 1099-C for the specified accounts. In the event that providing this documentation proves challenging, I must emphasize that the accounts in question must be promptly deleted from my consumer report.
Failure to furnish Form 1099-C or to delete the accounts from my consumer report will leave me with no choice but to escalate this matter further. I will be compelled to contact the IRS to report potential fraudulent activity, as the absence of proper documentation raises concerns about the legitimacy of these alleged debts.
I trust we can resolve this matter amicably, and your cooperation in providing the necessary documentation will be greatly appreciated.
Thank you for your immediate attention to this request. I anticipate your prompt response.
Sincerely, XXXX XXXX
|
| 02/26/2016 |
Yes |
|
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Web |
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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.
|
| 01/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
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|
Web |
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|
XXXX complaint against FNBO, now it's time to sue for damages, thus this is their thirty ( 30 ) notice of intent to sue as per Superior Court guidelines.
Fact timeline : Went thru XXXX website to book a trip, promotion there was apply for XXXX XXXX rewards M/C and obtain XXXX miles bonus within XXXX billing cycles and pay a {$99.00} fee to obtain the card. I was approved card.
Initial complaint was that I never received a M/C card after XXXX ( XXXX ) days, thus it's legally " unreasonable '' for FNBO to delay card XXXX.
Called to complain, FNBO said they would cancel above card and mail me another one.
In between I received the bill attached, with {$490.00} charge from XXXX and XXXX yearly fee.
The address on the billing did not show my apartment number of # XXXX, thus I surmised that because of this I never received card # XXXX.
I called FNBO and complained again, that they did not have my apartment number that XXXX had, thus we have negligence against FNBO and never will receive card # XXXX.
FNBO cancelled that card and issued me another one with assurances card would be expedited ( card # XXXX ) Never received, thus we have damages to lawsuit.
Negligence and fail to preform contract as provided for under third party ( XXXX ) Damages, {$99.00} fee for card never delivered.
Damages to wit amounts to be approximate {$1200.00} for XXXX Guest reward points that I will never receive as can not purchase anymore XXXX XXXX as I do not have a valid card, in hand due to negligence by FNBO.
Thus, will be suing for {$2500.00} which will be paralegal costs and amount to process the case as court of jurisdiction will be AR as contract was consummated here.
XXXX XXXX XXXX Paralegal and Current Law XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We also have discrimination case against XXXX which will be filed in another venue, against a XXXX protected class of person that is protected by law.
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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I signed up several months ago for a credit card with XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. I was approved for XXXX in credit from the XXXX XXXX XXXX XXXX XXXX XXXX card from FNBO. I spent about XXXX on the card and was making regular payments.
Then one day I got contacted from my bank and was told that there were 2 suspicious charges against my account. When I looked at the charges they both had the same payment number and did not mention where they were from, they also looked different from any of the previous payments sent. Because I was not able to identify the charges my primary bank, XXXX, reversed the payments as potential fraud.
After this occurred I did get notified from FNBO via an email that there were 2 reversed charges and I would be hit with 2 fees for the reversal. At this time I tried calling but no answer from the phone so I reached out to their online chat. Came to find out they charged me twice for my monthly autopayment. I was told that they would credit me back the fees for the reversal. So I went on the website to apply the payment and was met with an error message that said try again later.
So I went back on the online Chat I explained what had occurred and was told that I would have to call to make a payment since the last charge was reversed. But they don't answer the phone and It's been months now that I have not been able to make a payment and they keep adding fees. In addition they lowered my credit limited to right about the current balance and they significantly increased my minimum payments. When I tried to apply for any relief on their website they claim I'm not eligible but then they send me letter telling me to apply.
I did receive a letter but it did not state why the limit was applied, why the min payments were raised and then tried to claim that they did not take 2 autopayments, when in fact they did, I feel trapped by this bank and my credit keeps dropping.
|
| 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
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|
Web |
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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
|
|
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
|
|
Web |
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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
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|
Web |
Older American |
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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!
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| 10/10/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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|
Web |
Older American, Servicemember |
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I applied for a savings/checking account with the XXXX XXXX app. I went to my local bank branch who helped me fill out the App information. I transferred XXXX to a savings account and {$20.00} for a checking. I requested a debit card which I later received, it was mailed to me XX/XX/XXXX My deposit was made to XXXX XXXX, which is part of First National Bank of Omaha. When I tried to activate my debit card, it would not activate. The number on the card, XXXX tells me to use the app chat feature or email the company. On the app, it tells me " Restricted Access ". It says I can not withdraw funds, use debit care, remove linked bank account or close my account. I CAN ... Add money to XXXX, XXXX money between XXXX accounts, or add a linked bank accout.
Using the chat feature, I was told that my account was under review and their account investigation team will reach out as needed and they couldn't provide any other information. I continued reaching out via chat in the following weeks, and was told they do not know when my restrictions will be lifted and they will contact me via email for more information or to let me know the restriction has been lifted.
Tomorrow is day 40 since I made my initial deposit on XX/XX/2023.
I have also reached out via email and was told basically the same thing. They are reviewing my account and will reach out when and if needed.
I called First National Bank of Omaha , Fraud department last Friday and once again today. They tell me they are a parent company and can not see any of the information regarding my account.
On the app, I am able to see, if it is true, my deposit, interest accrued, but can not screen shot any of the information or look at a bank statement. I was able to use my husbands phone and take a picture of my account deposit that they show.
There is no other way to contact these people, and no way to have access to my money.
Please Help.
|
| 09/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/22 I made a payment of {$1900.00}. On XX/XX/22, that payment " cleared '' at FNBO. However, the funds were not released into my available balance. Now my available balance is " overdrawn '', showing that I am over my credit limit when I am very much not. The payment cleared my bank on XX/XX/22.
This is the 4th time they have held my payment like this. On the 3rd time, after calling my bank to verify that the payment had cleared, they released my funds and stated that it shouldn't happen again.
When I called last night when I saw that it was being held, I was told that if I called back today, they could contact my bank again and get things released. This afternoon, I called again and spoke with customer service. After being told numerous times that she would be getting a supervisor, she came back on the line and informed me that it's an unusual payment and would be held for 14 days. They " are unable to contact ( my ) bank, and ( I ) was misinformed last night. '' They would not do anything for me, refused to even try to work with me, and were quite rude.
Large payments are not unusual for me. On XX/XX/22 I made a {$1000.00} payment that was not held. On XX/XX/22 I made a {$500.00} payment that was not held. On XX/XX/22 I made a {$500.00} payment. On XX/XX/22 I made a {$500.00} payment. That's {$2500.00} in payments just this month. Last month was over {$3000.00} in payments. Same for the month before.
We use this card instead of our debit card for our bank account to accumulate rewards. This is not an unusual practice. I had forgotten to make a payment, so instead of doing XXXX smaller payments I decided to just make XXXX larger payment. Given my payment history, if I had simply made a {$1000.00} payment on the XXXX, then another on the XXXX when the XXXX had cleared, this wouldn't be an issue. But because I made it XXXX large payment, now it's an issue? Why?
|
| 03/02/2023 |
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
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|
Web |
|
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I received XXXX bank statements from First Bank in XXXX. The first bank statement was from an account that I never opened and never received any credit card. I was charged XXXX. None of the transactions were made by me and were unknown of since I did not open this account. I only found out due to receiving bank statement via mail to my home address. For the XXXX statement, it was with an account that I do have and had since XXXX. The transaction dates were the exact same as the first bank account ( never opened ) and was the same transactions. Both transactions were made on same day and it was for the same thing. The total for my XXXX bank statement was XXXX. The total number is different due to interest charges, but transaction are exact same. When I received these bank statement, I immediately called First Bank and talked to a representative. They said they would look into the case and that I should not worry about it. I had to call them multiple times due to receiving mail that they needed more information. After calling they told me again not to worry about it and that the charges would be waived due to fraud. When on XX/XX/XXXX, I received a mail from First Bank stating that they are denying the fraud claim. This is very unfair due to no fraud protection, as I was never notified through email or any sort. I only found out about these transaction because the mail was sent to my home. I should not be held accountable for these charges as First Bank are not taking appropriate steps to investigate my case. They sent me a mail stating that I should contact the merchants listed on my bank statement, which I have but it should be their job to do that. They need to be held accountable as they are not protecting their clients from fraud and are allowing scammers to steal my identity and make an account under my name. I am very frustrated about the situation and need your help.
|
| 11/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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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.
|
| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
First National Bank of Omaha has illegally pulled my credit. They stated they receive on a monthly basis an update of my consumer file. I have NEVER consented to such thing.
First National Bank of Omaha pulled my credit without my authorization. And made an adverse action against me. I did not give XXXX nor any of its agent 's permission to furnish a copy of my credit file on XX/XX/2022. XXXX has used the information illegally obtained on XX/XX/2022, and decreased my revolving credit limit. Not only was this credit pull unauthorized, but it was a violation several FRCA laws. You've stated the reporting agency played no part in our decision, yet you did a soft pull on my credit report and used to information provided as a reason to decrease my credit limit. Your policies do not override the law. You MUST get written or oral permission from the consumer who's information who you wish to obtain before you pull a credit report. Also said collections account being reported is a result of identity theft. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 4. 15 U.S. Code 1681B ( a ) ( 2 ) Since the letter you sent me dated March 19, 2022, is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Attached to this initial attempt to rectify, is an proof of violation and invoice to collect actual damages for said violations.
|
| 06/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
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!
|
| 03/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
In XX/XX/XXXX, I got a new credit card from First National Bank of Omaha ( FNBO ). They issued me a new credit card with a limit of {$13000.00}. The credit card is a cash back credit card which I use for my daily purchases and pay of in full at the end of every statement period. In other words, my usage is entirely ordinary for the type of product and is the type of usage encouraged by the product. On XX/XX/XXXX, after 8 months of perfect payments to FNBO and all other creditors ( all my payment history is perfect to the beginning of my credit history ), I received a letter from First National Bank of Omaha informing me that they were lowering my credit limit to {$6100.00}. They provided three reasons for lowering my credit limit : Length of time since opening, utilization of existing credit line, and current balance as a % of recent balances. At the time determined my original credit limit, the length of time since opening was known to them since it was a new account. Having a large balance as a % of recent balances is entirely expected and ordinary for a new account, since there was no previous balance to compare against nor is there any data on usage to indicate what peak usage for a customer might look like. Therefore both of these reasons were known and ordinary. What is the purpose of lowering a credit limit due to utilization of an existing credit line, or more importantly, what is the purpose of issuing a credit line that will be withdrawn if it is utilized. At the time FNBO issued my original credit line they knew, or should have known, that under no circumstances of normal usage would they honor that credit line. Therefore the credit limit that was disclosed when the card was opened was false and deceptive in a manner that induced me to use their credit card, whether that was intentional or not. FNBO never intended to extend the credit terms they offered.
|
| 08/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
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
|
|
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 |
|
|
|
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 |
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Web |
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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
|
| 12/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
XX/XX/2023 : I downloaded the XXXX app on my XXXX phone to initiate the process of applying for an account. XXXX is a division of First National Bank of Omaha ( FNBO ) which operates as an app-only banking platform.
At XXXX I completed the mobile application for an account through the XXXX app, filling out my information including name, SSN, DOB , email address, telephone number, and home address. Upon entering the data, the XXXX app presented me with a determination that my application was denied, without any specified reason.
At XXXX I contacted the consumer support chat feature within the XXXX XXXX, and was given an automatic response stating " We're unable to approve requests for accounts when they do not meet our bank 's requirements. These requirements include but are not limited to identity validation. We did not perform a credit check and your credit was not a factor in this decision. We appreciate you considering us for your banking needs '' After receiving this response, I prompted the chat to connect me to a real person, who then asked for my email address to transition the conversation to email.
At XXXX I responded to an email from XXXX which repeated the above message asking if there was an appeal process. I was informed by an agent name XXXX " Unfortunately this decision is final. " I then inquired how the information was verified or what the application criteria was, and received a response stating " At XXXX, we consider a variety of factors to determine account eligibility. We understand that you might be curious what these factors are but, for security reasons, we can't share the complete list of criteria we use. Maintaining the security and confidentiality of our evaluation methods is very important to us and our aim is to ensure fairness and equality in the assessment process for all of our applicants. We do not check your credit. ''
|
| 10/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
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 |
|
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Web |
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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.
|
| 01/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
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|
I am an XXXX rewards customer. # XXXX. In XX/XX/XXXX, there was a promotion for a XXXX XXXX underwritten by XXXX XXXX XXXX XXXX XXXXXXXX.
I was approved and at the same time purchased an XXXX XXXX XXXX pass for {$490.00}, with a virtual XXXX card ending in XXXX.
I receive several emails from XXXX about my account in which I have a preferred XXXX however, I never received the card as of XX/XX/XXXX.
My concern is I never received the card, I have at least a {$490.00} balance that I have no clue about my card number nor how to pay, and that now I will be delinquent as never received anything from XXXX.
When you try to call XXXX it's just a number where you have to provide the whole account number, and no Customer Service is even available.
So on XX/XX/XXXX, I called XXXX XXXX rewards at XXXX and talked to XXXX who was very nice and gave me a number for XXXX of XXXX. This number is a bad number as it just says XXXX does not service XXXX anymore as of XX/XX/XXXX and just refers to a website/Amtrak which is the same site one signs up for, thus a merry-go-round.
I called back XXXX and said i need this stepped up to operations as i used to work for XXXX and that I will have to file a complaint with CFPB. Since I was in investigations and worked credit card fraud, i know how this works, however, without ever getting to XXXX, to a live person, this will never get resolved due to really poor communication, thus if I am harmed and have damages, I will have to sue both XXXX and XXXX for false advertising and tort claims due to a hit and late charges on my credit.
I am attempting to resolve this prior to any action. All I know I have a XXXX with XXXX and XXXX with an account ending in XXXX, under XXXX XXXX, which is the same as the XXXX rewards #.
I confirmed with XXXX my address is correct, XXXX XXXX XXXX # XXXX XXXX XXXX, AR XXXX XXXX
|
| 10/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received a letter from a law firm, that was is acting on behalf of a debt collector that is acting on behalf of my bank. The letter is an attempt to collect a debt.
This is the XXXXIRST time I have received a communication in the attempt to collect a debt from my bank. It appears to be weird as my 1 ) bank did not attempt to collect a debt, 2 ) the Collections Company has not sent any communications and 3 ) the law firm letter was the first time I have seen this. Additionally, this is not showing on my credit report so I wonder if this is legitimate, especially if it is from the Bank. I have my Mortgage with them, a line of credit with them, both in good standing. I have a closed credit card with them that was closed ( paid in full ) in XXXX and it states as such on the credit report.
The Bank has not information to give me as I do not have an account number to give them.
I tried to log in to the Law Firm that is trying to collect the debt and I had to attest to all : - My account is not in dispute.
- I am not a petitioner in any pending bankruptcy petition.
- This account has not been discharged in a bankruptcy.
- I have read the Privacy Statement and wish to continue with making a payment. My account is not in dispute.
Because I am desputing the account through this CFPB, I assume I can not check this. I have to check all the boxes to access the account with the Law Firm. Seems unfair that I can not see what the account they have set up on my behalf in their site.
I am going to respond to the letter with " this is my debt '' and " I want you to send me the name and address of the original creditor ''. and send the letter back.
Being sent to 1 ) collections and 2 ) legal without prior notice doesn't seem right. Having no indications via the credit report that this is an attempt to collect a debt is also not right.
|
| 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
|
|
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
|
|
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
|
|
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.
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
To : First National Bank of Omaha AND XXXX XXXX XXXX I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
|
| 06/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
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
|
|
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
|
|
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.
|
| 03/18/2023 |
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
|
|
Web |
|
|
I was purchasing XXXX tickets and when I went to pay, they offered an XXXX XXXX that offered XXXX points if you applied for the card and spent {$1000.00} in the first 3 months. So instead of using my XXXX XXXX to pay, I applied for the card, was approved, and purchased {$1800.00} in tickets. Less than 24 hours later, they started offering XXXX points for the same transaction. I contacted FNBO bank that issues the credit card and explained that it didn't seem fair that had I waited less than XXXX hours to do the transaction I would receive double the points. The customer service rep agreed and said unfortunately they don't handle the reward points so I would have to contact XXXX for them to help. She provided a number for me to call XXXX, which I did. I explained to the rep what occurred and she said unfortunately since I signed a contract for the card there was nothing that could be done. I said since the promotion just started technically couldn't I just cancel the trip and close the card and just re-apply for the card, since it was less than XXXX hours since I signed the " contract '' and she said she couldn't guarantee they would honor the promotion since they offered it to me already. I explained none of this seemed fair so she escalated it to a leader. The leader said she understood it didn't seem fair and she would escalate it to see if they could make an exception, and someone would call me to let me know the decision and no one has responded. I just don't believe this is fair. Major department stores offer guarantees that if you buy something and it goes on sale shortly thereafter they'll match the lower price. Why isn't there a consumer protection for what happened in this instance? Just like the XXXX hours you have to cancel a contract, why isn't there a similar grace period for promotional offers?
|
| 10/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
When my XXXX credit card transitioned from XXXX XXXX XXXX XXXX XXXX XXXX First National Bank of Omaha XXXX FBNXXXX XXXX this year starting around XXXX, I paid two bills online to XXXX ( by mistake ) rather than to FNBXXXX. I paid {$160.00} on XX/XX/XXXX. I paid {$420.00} on XX/XX/XXXX to XXXX for a total of {$590.00}. This money should have either been forwarded to FNBXXXX or returned to me. I learned of my mistake when I called FNBXXXX about late fees for non-payment on my XXXX Statement as FNBXXXX hadn't received payments. FNBXXXX reversed the late fees and interest, and I paid FNBXXXX in full.
I called XXXX on XX/XX/XXXX, using a phone number that XXXX at FNBXXXX happened to have handy and spoke with XXXX. At first XXXX claimed XXXX returned my money to my bank however my bank doesnt show any credit for the two amounts involved ( {$160.00}, XX/XX/XXXX ; XXXX, XX/XX/XXXX ). Then, after putting me on hold for a time, XXXX came back and said XXXX would work on the problem, that I would get a confirmation by email in three days to confirm XXXX was really working on figuring things out. He said it might take three weeks to get my money. When I asked for a tracking number as a means to follow-up, XXXX was unable to provide a tracking number so he gave me his badge number ( XXXX ). I never got a confirming email that XXXX was actually working on my problem.
I wrote a letter to the CEO of XXXX on XX/XX/XXXX, ( copies to XXXX, FDIC, and CFPB ) explaining this problem in detail along with Proof of Payment documents from my bank both payments. As my account at XXXX is closed I don't have a way to see how the payments may or may not have been applied. I have not received any response from XXXX. I understand from FNBXXXX that I was not the only one to submit payments to XXXX that should have gone to FNBXXXX
|
| 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
|
|
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
|
|
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
|
|
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.
|
| 06/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
I am very upset with the service received regarding my credit card account, I created a balance transfer and entered the incorrect amount to be paid which caused an overpayment to my card. I contacted you institution on XX/XX/XXXX advising of the overpayment at which time the representative stated the overpayment would be returned in 7-10 days which I was fine with. On XX/XX/XXXX I noticed that my account was now OverLimit due to the payment being reversed because your Accounting Department considered it Fraud even though the transfer was submitted by XXXX Bank on my behalf. I contacted XXXX Bank today XX/XX/XXXX and they do not have the funds.
FNBO received good funds for payment on XX/XX/XXXX on XX/XX/XXXX the funds was reversed and sent back to my balance transfer company which they have not received. I had three conversations with FNBO on XXXX, XXXX, XX/XX/XXXX and at no time did any of the representatives state there was an issue on XX/XX/XXXX the funds were reversed and the representative stated that they were returned because they thought it was Fraud, at no time did FNBO e-mail me call send a secure message regarding the overpayment they just returned the funds causing my account to be OVERLIMIT. I now am paying interest on a Balance Transfer and having to pay interest on a card that was to be paid off. FNBO stated you can just send the money back whenever you receive it. This is totally unacceptable Desired outcome : Reverse any and all overpayment fees and interest on outstanding balance as of XX/XX/XXXX when they received funds also refund any and all fees from the balance transfer that was not accepted by your institution.
I have also noted below the information from my account showing the payment, the Secure Messages and the reversal of payment.
|
| 11/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
I use the XXXX Reward Me Visa credit card at XXXX stations and at other non-fuel retail locations. The rewards program, and note the ad for the program on the two receipts copied with this complaint, states 15 cents off per gallon on XXXX gas and percentage discounts at all other retail locations. 5 % non-fuel purchases, 3 % back on grocery, 3 % on dining, 1 % on everything else. I noticed that my receipts do not reflect the discount/credit so I called Customer Service XXXX On a recorded line their representative lied and told me the points/credits are made automatically when they are not received at the pump. In addition, my card now sometimes asks for an ID number which I do not have to enter. My statements show the credit or points are not being granted. I believe this is a theft from a credit card with approximately a 30 percent interest rate and the executives responsible should be prosecuted for false claims. It discounts are being received I assume they are being absorbed by the gas station because as the two I copied to you show none. A customer should not have to take time at the point of sale to confirm the rewards. WORSE STILL the pump at the XXXX station in XXXX Michigan locked down on my credit card after demanding a rewards account code. I had to leave my card in the reach of other customers and go in to get a manager. The card was lose and open to theft upon our return. I had to guess how many gallons my car would take several times because the pump would not take the XXXX XXXX so station staff sometimes ran the card with a guess from me. The card charges I believe XXXX percent in trade for a benefit. My credit union charges XXXX percent interest without a reward. The XXXX card is a defacto bait and switch given they do not honor its terms.
|
| 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
|
|
Web |
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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.
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| 10/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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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.
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| 04/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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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.
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| 06/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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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.
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| 09/16/2016 |
Yes |
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Web |
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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.
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| 12/23/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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FNBO ( First National Bank Of Omaha ) opened my bank ( checking ) account on XX/XX/XXXX and funded it with {$350.00} from XXXX XXXX ( an ACH withdrawal ).
On XX/XX/XXXX, {$350.00} was withdrawn from my XXXX Bank account and transferred to FNBO.
On XX/XX/XXXX, FNBO closed my account.
The {$350.00} was never returned to XXXX XXXX or sent to me via check.
On XX/XX/XXXX, After several conversations with both FNBO and XXXX ( starting on XX/XX/XXXX ) to attempt to find out where the {$350.00} is, a conference call was initiated by XXXX with FNBO.
During the conference call : - FNBO Manger, XXXX, states that the {$350.00} was returned to XXXX on XX/XX/XXXX.
- XXXX Representative, XXXX, requests documentation from FNBO in order to track that transaction.
On XX/XX/XXXX, FNBO Supervisor, XXXX, states that she will contact the correct departments, get the requested information and have it faxed to XXXX but that since it was late in the day that it probably wouldnt be faxed until XX/XX/XXXX.
On XX/XX/XXXX and XX/XX/XXXX : Calls to XXXX made and they report that they have not received any faxes from FNBO.
On XX/XX/XXXX : FNBO representative, XXXX, states that they faxed the requested information on XX/XX/XXXX. I requested that the information ( a letter/statement that FNBO closed my account on XX/XX/XXXX as well as a trace ID for the return of the funds ) be emailed or sent to me so that I could make sure that XXXX gets it. XXXX stated that, per documentation from a supervisor ( XXXX ), they would not be sharing any information or sending any of the documents to me. That XXXX XXXX would have to call them to request any more information.
**When asked for an ID number for this call, XXXX stated that there is no ID number.
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| 02/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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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,
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| 02/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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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.
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| 11/27/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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I have a savings account with the XXXX XXXX a subsidiary of First National Bank of Omaha. XXXX XXXX is a privately held e-bank, FDIC-insured institution, that is not affiliated with the Federal Reserve System .
Since XXXX I have been making ACH transfers from one of my XXXX XXXX accounts. Out of nowhere, XXXX XXXX restricted my ability to withdraw MY money from my savings account. XXXX didnt give me any explanation or inform me of how long this restriction will be in place. XXXX claims they are investigating suspicious activity I invited XXXXXXXX to check my credit report and contact the FBI and the IRS. They responded by asking me for an ID and a XXXX XXXX statement and the restriction continued without an explanation. They sent me an encrypted email to which I should reply and attach the information requested. The first reply to the encrypted email was not successful so we did it again. I have asked for three consecutive days if they received the information and they have ignored my emails.
Bottom line, XXXX is blocking MY money, turning my savings account into an irretrievable deposit, and ignoring my emails. Can the investigation continue indefinitely? How can the bank regulators allow this abuse to happen? Even the police are required to show cause to act, but not the bankers. XXXX XXXXXXXX is acting more like a scam than a legitimate bank.
Profiling based on perceived race, ethnicity, national origin, or religion is patently illegal, it violates the U.S. Constitutions core promises of equal protection under the law to all and freedom from searches and seizures without evidence of criminal activity. Accordingly, show me the evidence of criminal activity or lift the restriction.
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| 08/09/2022 |
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
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Web |
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I opened an XXXX credit card with First National Bank of Omaha with the promotional offer including 2 % back on every purchase, {$200.00} cash bonus when you spend {$1000.00} within the first XXXX billing cycles, no rewards expiration, 0 % APR first 12 months, etc ... all conditions were met except the {$200.00} cash bonus despite my meeting the terms of spending {$1000.00} within the first XXXX billing cycles. Calls to the bank first told me it wasn't part of my application but later, after connecting with a XXXX, informed me the promotion began in XXXX of XXXX - I opened the account in XXXX of XXXX - and that I was entitled to the {$200.00} cash back and it would be applied within XXXX days of the call ( XX/XX/XXXX ) or at the latest on my next billing statement ( XX/XX/XXXX ). It was not applied either in XXXX days of the call or on the next statement. I called them after the XXXX statement and was told they would look into it and call me back. When they followed-up they reverted to their initial claim that the application I submitted did not include the {$200.00} cash back offer and could provide no further explanation.
There is no opt-in option for the reward on the application. There are not multiple applications. For unknown reasons this reward was not included in my account despite being an offer for all new XXXX cards and thus I am submitting this complaint on false advertising and misleading information both on the initial application and due to misleading information provided by a supervisor confirming the {$200.00} would be applied.
The picture attached is the exact promotional terms I anticipated and were offered to all new XXXX card applicants beginning XX/XX/XXXX.
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| 05/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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Web |
Older American |
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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.
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| 11/10/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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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.
|
| 10/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
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|
Web |
Older American |
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On XX/XX/2023, I received a letter from, First National Bank of Omaha ( fnbo ), informing me of an increase in my interest charges.
In the letter they stated that they obtained my credit score from XXXX on XX/XX/2023, and based on that score, which they stated was " XXXX '' my interest rate is increasing to 27.24 % starting XX/XX/23.
When I checked my XXXX account on XX/XX/23 for scores, I found my score to be XXXX not XXXX.
I then checked my report, from before XXXX ( XXXX ) and it was XXXX, I then checked my report for XXXX again it was XXXX.
I called customer service and explained to them that my XXXX score was XXXX not XXXX and asked them where they got their score from. They completely blew me off and told me that if I had an issue, I must contact XXXX.
I contacted XXXX and they said my score was XXXX. They also told me that fnbo was using XXXX Data not XXXX Score and using their own formula to get the XXXX and could not tell me which scoring model they used.
I did have my report sent to me.
I called fnbo again, and told them what XXXX said about their score, they insisted that they were using my XXXX score to wich I replied but it is XXXX not XXXX. Again, they said if I had a dispute, I had to take it up with XXXX.
After receiving my XXXX credit report still showing my score as XXXX. I discovered that fnbo accessed my XXXX credit report on XX/XX/23 not XX/XX/23as stated in their letter.
So my complaint is this, First National Bank of Omaha is not using XXXX XXXX to make the discission to rase my interest rate as stated, but they are using their own formula to create their own score, to raise rates on an account that has never been delinquent or over drawn.
|
| 09/19/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
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XXXX - I requested account closure. XXXX - Login capability and account disappear, no communication from bank. I request clarication via in-app chat. XXXX - Receive email saying account was closed and remaining balance sent via ACH to account on record. I respond advising that the account on record was closed and to send money to my address via check. XXXX - XXXX I send XXXX more emails requesting a response inquiring about my money. XXXX - Receive response saying money will come back to XXXX within a few days since the recipient account was closed and a check will be sent to me. XXXX - I email requesting an update. XXXX - I receive a response that XXXX has my money and will send a check soon. XXXX - I email asking for an update. XXXX I send XXXX more emails asking for an update. XXXX - I am against told a check will be sent out soon, I demand a date since the same thing was said XXXX weeks before. I am told it will be sent " tomorrow. '' XXXX - XXXX - I send XXXX more emails demanding return of my money and conrmation a check was sent to me. To date I do not have my money, nor any apology or explanation for how poorly this has been handled. XXXX is a sham institution and should be shut down. I have interacted with " XXXX '' and " XXXX '', likely pseudonyms, and still do not have my money. On XX/XX/XXXX, after advising the bank complaints had been filed with the Federal Reserve and Office of the Comptroller of Currency, I received another response the time admitting no check was sent XX/XX/XXXX, but claiming it was mailed on XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have my money or an adequate explanation of what is happening. This is theft plain and simple.
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| 10/24/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Confusing or missing disclosures
|
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Web |
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My complaint is regarding following bank and this personal banker working there : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- First National Bank of Omaha XXXX XXXX XXXX XXXX, TX XXXX XXXX Tool Free : XXXX fnbo.com -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This bank has a branch in Texas and XXXX 5.5 % interest rate on all CD accounts.
On Saturday, XXXX XXXX, I went to this branch and met Personal Banker XXXX XXXX XXXX XXXX
she convinced me that interest rates on XXXX and 17 months XXXX 's are 5.5 %.
Based on what she said, I decided to proceed and deposit my money in a XXXX account for 7 months. then she printed a few pages and highlighted 5.5 % rate on all those pages and asked me to sign the contract.
I signed them all based on trusting her ; thinking that she is an honest person and is functioning as a banker.
Then after signing all documents, she disclosed to me that my actual interest rate for 7 months on this CD will be 5.28 % not 5.5 %!.
I told her '' why didn't you disclose this difference earlier before I sign all your papers? '' In response she said : '' 5.5 % is Annual Percentage Yield on this account not on your CD ''.
I confronted her and said : '' this should have been discussed and disclosed earlier before I sign all your documents and this is a prime example of misleading and fraudulent activity that I did not expected to see from a banker or a banking XXXX ''.
When I told her that I will file a formal complaint, she responded : '' I have been doing this for many years and have never had any problem so far ''.
|
| 01/25/2016 |
Yes |
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- Credit line increase/decrease
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Web |
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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
|
|
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.
|
| 11/12/2023 |
Yes |
- Credit 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
|
|
Web |
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The credit card issuer ( First National Bank of Omaha ), allowed a {$31000.00} transaction to be charged to my account without ANY authorization by me ( cardholder ), and without my knowledge. The merchant ( XXXX XXXX ) charged this {$31000.00} transaction to my credit card on XX/XX/2023 without any prior authorization or consent ( written or verbal ) on my part. They just went ahead and charged my credit card, and XXXX just allowed it to go through. No one even blinked an eye.
First National Bank of Omaha 's dispute/fraud department was contacted on several ( 4-5 ) different occasions. I spoke with representatives, supervisors, and invested hours of my time to explain that I did not want the charge to go on this credit card and that I did not authorize this transaction. I did purchase products from XXXX XXXX for this amount but in all my previous transactions with them, the products were delivered and an invoice sent, which can then be paid by the customer 's method of choosing.
Not only did I not get an invoice, they ( XXXX XXXX ) went ahead and just charged the credit card of their choosing ( without my authorization ), and not only that, not ALL of my products were delivered. However, the issue here is XXXX, who does not have any fraud protection mechanisms in place to verify such a large transaction amount with their customer ( the cardholder ), and then refused to even acknowledge that they were in the wrong and to dispute the transaction. They're in bed with the large corporate companies that they're contracted with. That's who their actual customers are, not me or any other " little guy '' cardholder.
I would steer very clear of XXXX.
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| 06/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I use my First National Bank of Omaha XXXX rewards XXXX for checking in at XXXX XXXX in XXXX XXXX. The card was to be charged for resort fee if {$40.00} and any incidentals.
I checked out and was charged {$1100.00}.
I called the hotel and they informed me that the charge was for dining at a steakhouse in the resort charged to my room.
I did not dine there and an investigation was opened. I spoke to a manager at circa on XX/XX/2023 and was told that a refund has been initiated. I called back a few days later and they said refund was processed but it still showed up on my card statement.
I opened a dispute with first national bank of Omaha, the card issuer on XX/XX/2023.
Since then they have not helped me resolve this in a timely manner. I get transferred from department to department when calling in.
I called circa again XX/XX/2023 and they stated refund has been issued and any further issues need to be take with the card issuer.
I call for an update with first national and they say they are still working on the investigation.
I received a letter from first national on XX/XX/2023 and they state they need proof from me to support my claim. Isnt getting proof part of what an inv
estigator doing an investigation is for? I call first national on XXXX and state that I have a recording of the manager saying he issued the refund. First national tells me I need to call back in two days when the investigation department is working because he doesnt know how to receive the recording from me.
This is frustrating and I just want a resolution to something that should be straight forward and what so many other credit card issuers get right.
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| 11/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/XXXX I applied for a Consumer Credit Card and a XXXX Credit Card. I was instantly approved on XX/XX/XXXX for the consumer card with a {$11000.00} limit. 7 days later i was denied for a XXXX XXXX. I spoked with XXXX on XX/XX/XXXX who advised me that the XXXX XXXX couldn't be approved. He also advised, he was going to submit my application for a personal card back up for review. I activated my card on XX/XX/XXXX and tried to use it on XX/XX/XXXX. Now i am unable to use my card, login online to see my account. I asked XXXX, since I am denied a business card, does this have any bearing on my personal card and he stated " no ". That was a lie. he straight up committed retaliation. How can you instantly approve me for a personal credit card and then play these childish games. I plan on taking taking court action against, XXXX, the underwriter who retaliated against me. I have contacted XXXX to file a complaint. I will also be filing a lawsuit against the bank, XXXX, for defamation of character, and making or assuming false assumptions. The underwriter, XXXX, I will file a lawsuit against him for defamation of character. There was absolute no reason whatsoever to display this kind of behavior or actions on my account. Every time I reach out to the fraud dept or the XXXX dept. I am always told that my account is in review and respond with " I dont know " They wont answer any of my questions and ignore what i say. They will repeat in circles and stay vague. I will also sue the bank, FNBO for tarnishing or damaging my credit report on all XXXX credit bureaus. This has been the worst overall experience i have ever encountered with a creditor.
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| 07/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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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
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| 07/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I am writing to request an increase on my FNBO credit card. I love my business credit card and the credit limit that I was started with. It has helped me scale my business. In the last 2 years I've been with FNBO I unfortunately have not received a credit limit increase. My current limit is insufficient to cover my potential monthly business expenses. My payment record with First National Bank of Omaha is perfect and I do not anticipate any difficulties in dealing with an increase in my credit limit. I am asking for an increase from {$15000.00} to {$20000.00}. I submitted this via CFPB because I did not receive an email back, and I did not want to request an increase over the phone or online because I wanted to explain some things on my credit report and send in documentation. There is a late payment reporting for XXXX XXXX which is inaccurate, and I am in the process of filing a lawsuit against the credit bureaus for incorrect reporting and defamation of character due to many missed opportunities. I have also paid down balances on other cards that may not be reflected. My 3-bureau credit report is attached so there is no need for a hard pull. I will also attach the cfpb report filed against the bureaus with the intent to sue. My credit profile is great, but the late payment is recent therefore it is hurting my score. I wanted to share so this would not prevent me from an increase. I am hoping to hear a favorable outcome from FNBO. Please contact me if you need any information to expedite this process. I am looking forward to your reply. Also attached is my bank statement to show that I am more than capable of making my monthly payments.
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| 03/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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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.
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| 10/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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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
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| 12/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to FNB Omaha resulting in a fraudulent credit inquiry on my XXXX credit report from FNB Omaha. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent FNB Omaha credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both FNB Omaha and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. FNB Omahas phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent FNB Omaha inquiry removed from my XXXX credit report. The date of the fraudulent FNB Omaha credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by FNB Omahas refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with FNB Omaha.
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| 07/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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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.
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| 03/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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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.
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| 01/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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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.
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| 02/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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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.
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| 02/22/2016 |
Yes |
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Web |
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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}
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| 06/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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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.
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| 06/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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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
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| 11/12/2016 |
Yes |
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Web |
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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
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| 07/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
Servicemember |
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On or about XX/XX/2022 I was given a pre-approved offer by First National Bank of Omaha ( XXXX ) for their " XXXX '' credit card. I completed their application process, they accessed my credit report and my application was approved. I received my credit card on approximately XX/XX/XXXX and the following day I received a letter stating that they tried to contact me by phone or e-mail and were unsuccessful. They asked me to call them. Their letter specifically also stated that the block they placed on my cards " can easily be removed after we speak with you. '' First of all, they are liars. They NEVER tried contacting me by phone or by e-mail. Second, XXXX has failed miserably to comply with the Americans with Disabilities Act. I am, unfortunately, XXXX XXXX XXXX XXXX I tried calling the number they gave me at least 50 times between XXXX and XXXX and it is impossible to reach them via TTY / RTT. I tried using the XXXX relay service and also via their listed number for RTT. Each attempt failed. On approximately XX/XX/XXXX I reached XXXX via the XXXX Relay Service and communicated with an unknown individual who was very reluctant to communicate with me even after XXXX explained by disability. In the end, simply because they could not speak with me as any other non-disabled person, they told me I must provide *notarized* copies of my SSN and ID.
I do not believe the ADA allows any company to require additional documentation from an individual just because they are disabled. Also, requiring a person to pay a notary for copies of documents is absurd. Further, they lied in their initial letter.
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| 02/25/2016 |
Yes |
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Web |
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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.
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| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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First National Bank of Ohama is reporting late payments on my credit reports due to a transfer of accounts from XXXX XXXX XXXX credit card. According to First National Bank this transfer happen in XXXX of 2022. I was not aware from both banks of the transfer of accounts. Please keep mind during my time with XXXX XXXX I was never late with a payment because my account was on automatic payment from my checking account. The only way that I found out of the transfer because I answered a XXXX phone number that ask me personal questions of a account for XXXX XXXX XXXX Of course I did not give out personal information unless the company told me information about me. When First National Bank of Ohama gave me the information needed then we began to speak about the account. Please keep in mind of identity thief for giving out information to a company I never agreed to do business with. I spoke with XXXX the supervisor at First National Bank of Ohama and told XXXX I was not aware of the transfer process between XXXX XXXX and the late payments should be removed. The payment was for XXXX dollars and I immediately paid that amount. The Fair debt credit reporting act give me the right to issue this complaint or take legal actions due to unfair practices by Fair National Bank of Ohama. Once the bank took over the account the automated payment should have been included during the process. Please understand, I am a consumer and have rights for fair reporting. If this transfer would have happen with notice and a new issued card to the address on file then this complaint would have never happen.
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| 08/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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FNBO has entered into a consumer credit transaction with via using my social credit card defined under 15 USC 1602 to extend me my o n credit on multiple accounts. In the year of 2022 FNBO has committed XXXX XXXX and has discriminated against me and my RIGHT TO CREDIT as defined under 15 USC 1691 by shutting down my accounts and denying me a Granted Right which is access to extend credit. FNBO has been in violation of the ECOA and Tittle 18 USC 242 for denying me a federally protected right to extend credit and have access to credit. FNBO once aft er taking XXXX XXXX discriminating against me has reported false statements on my consumer report hurting my reputation and hurting my credit worthiness further negatively impacting my right to extend credit in the banking system. FNBO is reporting an alleged debt that arose out of a consumer credit transaction via a FINANCE CHARGE and is falsely reporting charged off accounts as Income on my reputation as defined under IRS Guidelines. TENDER of payments were attempted to be made on these accounts to satisfy the alleged debt In Good Faith but was REFUSED by FNBO. Such Refusal of legal tender has now discharged the debt under UCC 3 -603 and has placed FNBO under a violation of the Federal Reserve Act Sec 29. FNBO has been given the opportunity to perform and provide LAWFUL VALIDATION of the alleged debts and has failed to do so. FNBO despite Tender Of Payment being made and refused and despite not being able to0 provide Lawful Validation continues to furnish false statements on my reputation hurting my character and right to credit.
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| 04/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Older American |
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On XXXX XXXX, I attempted to use my personal credit card for an online purchase. It was not honored by XXXX XXXX XXXX. I had sent the payment by mail and it did not arrive by the due date. Without warning, they suspended my card and dishonored any charges.
I called them today, XXXX, and they refused to reinstate the card unless I made a minimum payment by phone, which I did. Then they told me the card would not be reinstated for another 24 hours.
When I said I was going to complain to the Consumer Financial Protection Bureau, they agreed to waive the late charge and interest on the account. They claimed they did not know the name of the federal agency which regulates credit cards and they had no information on how to contact you.
I pay the entire balance due every month. I do not believe I have ever paid this card late, although I am not sure of that. I have an excellent credit score. This has not ever happened to me with any of my personal or business credit cards.
XXXX XXXX XXXX sent me an email on XX/XX/XXXX, titled " a friendly reminder ... '' that my payment was overdue. It did not say anything, whatsoever, about shutting down the account.
I accept the fact that I would be charged a late fee but I was not advised that they would stop honoring charges on the card. As a consumer I was not advised or warned that this would happen. There should have been a warning, either in the " friendly reminder '' email, or in some other way.
I am complaining about this policy and the lack of notice which induced me to take no action as my payment in full was already mailed.
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| 01/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
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| 02/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
Older American |
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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.
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| 04/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I requested to our mortgage lender to remove XXXX, based on the value of the home. I ordered an appraisal on XX/XX/22. Between the date of ordering and XX/XX/22, I followed up 6 times. Both by phone and email. The person in charge of this process at the bank, First National Bank of Omaha ( FNBO ), is named XXXX XXXX. She responded each time that she only orders the appraisal, and has no control. After trying to get a resolution for 5 weeks, she told me its not really a problem because if its approved, well retro this to when you asked, and credit the XXXX back. I told her this is an unacceptable answer, and its taken far too long. She agreed it had taken too long, but said she had no way to escalate this, or follow up. Come to find out a few days later on XX/XX/22, the appraisal was never accepted by anyone to do it. Even though someone came out to take pictures and measure the exterior of the house for the appraiser. This is ludicrous. She then suggested instead we do a XXXX, as it will be done by a local real estate agent. On XX/XX/22, she told me that when she ordered the XXXX, it cancelled our place in line for the appraisal, but she thought the XXXX would come back quickly. Nearly another month has passed, as it is now XX/XX/22 and we are no closer to reaching a resolution than when I started this months ago. There must be some path of recourse. This seems outrageous that a lender can simply say they have no way to check on this, no clue on when it the process will be completed if ever, and continue charging me every month for XXXX premiums that are unjustified.
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| 04/21/2015 |
Yes |
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- Closing/Cancelling account
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Web |
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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.
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| 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
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Web |
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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!
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| 07/28/2023 |
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
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|
Web |
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On XX/XX/XXXX I received a letter from FNBO stating they were decreasing my credit limit from {$10000.00} to & XXXX due to credit bureau XXXX reporting. I had missed some payments but had not made active purchases since I knew I was struggling to make the payments every month. All payments I did make, however, were on time and for more than the required amount due. Once I received the letter on XX/XX/XXXX, I made a very serious attempt to get my account up to date, making good progress towards the balance and getting my credit score up to buy my first house. XX/XX/XXXX made a payment of {$1000.00}, XX/XX/XXXX made a payment of {$1000.00}, XX/XX/XXXX made a payment of {$1000.00} and XX/XX/XXXX I made a payment of {$2000.00}. Upon checking my credit score today as I am working with the bank on a mortgage loan, I find out only through the credit reporting agency that FNBO had again decreased my credit limit, this time from {$9400.00} to {$5300.00} taking my credit score way down. Now I will be over my credit limit. I spoke to XXXX at FNBO XX/XX/XXXX and she could not help, they get notified from the credit agency, plug in the info, without taking anything into consideration, for example that I paid {$4000.00} in the month of XXXX trying to get this down, then asked and spoke to her supervisor XXXX who also said there was nothing she could do about it as she is not part of the " decrease '' department, whatever that means? This really hurt me in my attempt to purchase a home for my family and I can find any help to reverse what FNBO has done to my credit.
|
| 01/04/2022 |
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
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|
Web |
Servicemember |
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At approximately XXXX CT on XX/XX/2022, I received a call from phone number XXXX and said her name was XXXX and that her son was on an XXXX and it has my phone number so she requested a passcode that had been sent to my phone number so she could have my number changed to her phone number. I was in a meeting when I answered the phone so ( being a dummy ) I gave her the one-time passcode of XXXX, that I had received on my personal cell phone. After the meeting I read the whole text and it stated ; " Your One-Time Passcode is XXXX. We will not call you and ask for this code. Call XXXX at XXXX if you did not request a passcode. '' I called the XXXX number and talked to XXXX and she said she was from the First National Bank of Omaha from the fraudulent department call center. I told her what happened and she said someone probably wanted to open an account in my name. I gave her my name and she said she couldn't find an account, I told her that's because I don't have one and it sounds like no one tried to open one up. She then asked for my social security number and I told her I don't give that out. She was very nice and said that was the only other way to check if I had an account. I asked her if she could check by phone numbers and she said no. I told I'd need to call the police and see where I go from here. I called the police and they recommended going to the FTC.gov. When I went to that website it sent me here to the CFPB. As a side note, I tried calling back the first number from 'XXXX XXXX and no one answered and I was unable to leave a message.
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| 03/17/2016 |
Yes |
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Web |
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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
|
|
Web |
Older American |
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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.
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| 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
|
|
Web |
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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
|
|
Web |
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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 |
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Web |
Older American |
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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.
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| 09/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
Older American |
|
In XX/XX/2022, I was issued a XXXX Rewards VISA credit card by the First National Bank of Omaha ( FNBO ) with a credit limit of {$7500.00}. I received a letter from the FNBO dated XX/XX/2022 ( attached ) informing me that their credit department had suddenly lowered my credit limit to {$2000.00}, a {$5500.00} decrease. My account is current and in good standing, and in the letter there are four criteria listed as the basis of this adverse action, all of which except for one are in error. I called the number listed in the letter supposedly for the credit department ( XXXX ) to discuss their decision, but I was instead routed to the main customer service line. There, I spoke with " XXXX '' and was told that I could not speak to the credit department to present my case. In particular, " XXXX '' was very obstinate, and she also refused to transfer me to another individual at a higher level. Finally, she refused to provide me with the name and address of the FNBO president so I could write a letter to bring this situation to his/her attention. This action by FNBO severely impacted my credit standing, immediately dropping my FICO score from XXXX ( good ) as of last week to XXXX as of today. When I pointed this out to XXXX, she admitted that the bank is aware that a customer 's credit score " may be slightly affected. '' In summary, FNBO 's business practices are unfair to their good faith customers who have no recourse when, through no fault of their own, they are subjected to these arbitrary and punitive credit decisions.
|
| 03/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
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Web |
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I completed a XXXX percent balance transfer offer in XXXX with no issues. I did not make any charges from XXXX until XXXX. In XXXX, I used the same card again to make a large unexpected purchase. I planned on paying the charge off when I received the next statement to avoid interest. When the next credit card statement arrived, I found that I had already been charged {$95.00} dollars in interest. I was surprised and confused. I came to learn that I had already been charged 27 % APRthe cards interest rate on purchaseson the large charge that I'd made. Although the charge was only on the card for 29 days, essentially the interest started accruing from the first day of the charge. When I called customer service, the representative explained that once you have a balance transfer on the card, you lose the typical grace period. I was very upset because I did not know this. Had I known this, I would never have made the purchase using that particular credit card. The customer service rep told me that this information was in the fine print when I agreed to the balance transfer back in XXXX. This is no way to treat your customers. Theres the principle of the thing : If they were going to charge me, then it should be done knowingly, not because the credit card company caught me off guard. They need to make it VERY clear that you will lose your grace period if you make a charge with existing balance transfers. It should be relayed to the customer in concise and easy to understand language to prevent situations such as mine.
|
| 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
|
|
Web |
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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.
|
| 04/15/2023 |
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
|
|
Web |
Older American |
|
Placed two charges on my FNBO credit card for a beach front rental property for the week of XX/XX/XXXX thru XX/XX/XXXX. The first charge was in XX/XX/XXXX for {$1900.00} and the second was on XX/XX/XXXX for {$2900.00} We arrived at the property and had nothing but continuing issues. The issues ranged from the Air conditioning not working to the stove and oven not working. Additionally despite an extra charge for cleaning there lazy suzan was full of dirt and some kind of liquefied mess. The portable air conditioners brought in soaked the carpeted floors and caused additional problems.
Despite all of these issues at no time did the rental agent offer us a different rental property. Something that is stipulated in the lease agreement when the property becomes a problem.
Upon my return home I contacted XXXX to get a refund. What they offered was {$400.00} which I rejected. My next step was to dispute the charge with my credit card company.
The dispute was made an in XXXX I received a letter that my dispute could not be honored. FNBO gave as it's reason that according to Visa if you stay for the entire rental dates no refunds are issued.
Based on this I contacted Visa and received an e mail that they have no such policy and refunds are the discretion of the card issuer.
Since then I have been going back and forth with FNBO. I requested documentation about this policy and also tried to explain that short of returning home we had no other place to go. There were 8 adults and XXXX children using the house
|
| 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
|
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Web |
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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?
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| 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
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Web |
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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
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| 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
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Web |
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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.
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| 09/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
|
|
Web |
Older American |
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I looked on my online bank checking account at First National Bank and saw on XXXX a direct deposit of {$7100.00} to my account from my insurance company for a claim of damage to my roof. It was in the afternoon on that day. Then on XXXX during the afternoon I transferred {$4000.00} to my savings account of the same bank. On XXXX I looked on line again and surprisingly saw a Line of Credit of {$2000.00} from the bank saying I owe that money for arrears in my account. I talked to a supervisor, XXXX ( last name unknown ) and asked why was the Line of credit issued. He told me the {$7100.00} was posted on XXXX not the XXXX. I told him I saw {$7100.00} was direct deposit on line on the XXXX and that's why I transferred {$4000.00} on the XXXX. I asked him why did they move the direct deposit from the XXXX of XXXX to the XXXX of XXXX three days later? He did not give me an honest answer because he wanted me to believe that the amount took a few days to be posted, but I kept telling him " I looked on line and the deposit was on the XXXX and how could I see that and know I could transfer money on the XXXX ''. He would not accept the fact it was deposited on the XXXX, nor resolve anything with me and said I had no recourse that it was either employee error or a glitch in their computers. I would like to be reimbursed my {$2000.00} I had to clear for their Line of Credit they charged me wrongfully, and not admitting a glitch in their computers or employee error. I can not pay {$2000.00} for their mistakes.
|
| 11/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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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 |
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Web |
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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
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Web |
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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 {$700.00} to my card.
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| 06/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
Servicemember |
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On XX/XX/XXXX, XXXX credit card switched banks to FNBO ( First National Bank Omaha ). The prior rewards feature was {$.00} off per gallon. The new rewards program offered {$.00} off per gallon at the pump. This was advertised prominently as our new card feature and the on XXXX gasoline pumps and receipts. We did not receive the reward with our first transaction on XX/XX/XXXX ( # XXXX ). Calls to FNBO were met with an automated message that the system was down. We put in a written request with FNBO on XX/XX/XXXX and received no response. Our next transaction on XX/XX/XXXX ( # XXXX ) also did not receive the discount. I placed a call on XX/XX/XXXX to FNBO and was told that my account was credited for the XX/XX/XXXX purchase and promised a credit for the XX/XX/XXXX purchase. The CSR was unable to tell me why the credits were not automatically applied. The purchases on XX/XX/XXXX and XXXX received the appropriate credit at the pump. The purchase on XX/XX/XXXX ( # XXXX ) did not receive the {$.00} credit. Upon reviewing the transaction history, it does not show the post dated credits that were promised for the XX/XX/XXXX and XX/XX/XXXX transactions. We're sure if this is a system glitch or if this is a systemic issue. There a most likely quite a few customers who do not review their receipts or take the time to reach out to FNBO for a few dollar discrepancy. It appears FNBO is unaware of this issue or indifferent to it. We would like this remediated for us and other affected consumers.
|
| 03/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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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 )
|
| 12/22/2021 |
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
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|
Web |
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On XX/XX/2021, I received an email from XXXX the issuer of XXXX XXXX XXXX about an offer where you receive {$30.00} in a form of statement credit if you sign up for a new XXXX membership before the end of the month, I signed up on XX/XX/2021. The terms mention that the credit should post within XXXX billing cycles. Since then my statement closed not twice but three times on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I reached out to customer service in the first week of XXXX to ask why the credit hasn't posted even though it's been over 2 months since I fulfilled the offer and they promised it would post by my next closing date on XX/XX/2021. The credit never posted on XX/XX/2021 so I called on XX/XX/2021 to ask again and the XXXX mentioned that they will escalate it to a XXXX and I will hear back within 2 days. I called four days later on XX/XX/2021 to check the status and I was told that I will definitely hear something by XX/XX/2021, so I called late on XX/XX/2021 and I was told by a new XXXXt that no timeframe is determined for the response and to just hold so I pressed them by citing that I have called about this way too many times so they put me on hold and came back saying they are working on it and will call shortly with an update. I did receive a call less than an hour later but I couldn't get it so I called customer service again where the final XXXXt delivered the message that I should wait until the next statement closing date to see the credit post to the account.
|
| 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
|
|
Web |
Older American, Servicemember |
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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
|
|
Web |
Older American |
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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.
|
| 11/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
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FNBO, who issues credit cards for XXXX XXXX ( and other purchases ) markets a credit card that gives different levels of cash back for grocery purchases ( 3 % ), Restaurants ( 3 % ), Other than Gas purchases as XXXX and XXXX stations ( 5 % ), and all other purchases ( 1 % ). However, there is no where online or on my statement that tells me what level of reward I have earned for groceries ( and doesn't tell me if a particular store is considered to be a grocery store ). I spoke with XXXX in their customer service department today on XX/XX/2023, who told me that XXXX determines the type of store category with the store. OK, but it should not be a secret. It should be transparent to a customer which category a particular store is in. For example, the online list of transactions tells me that a restaurant name IS a restaurant and that a payment made IS listed as uncategorized because it gets no points. Every other transaction is categorized as EVERYDAY PURCHASE including spends on gasoline and grocery stores. If the company does not want to indicate which stores it considers to be a grocery store online in the listing of reward transactions, then it should have a web page showing an alphabetic list of grocery store names so that a consumer can make " informed '' decisions about how they wish to pay in a particular store. Also, there is no way for a customer to verify that the amount of rewards they received each month is correct -- this should be transparent.
|
| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Cell XXXX.
email XXXX FNBO account # XXXX Credit limit start date XX/XX/XXXX was {$9400.00} credit limit on XX/XX/XXXX is {$500.00} First National Bank of Omaha Bank Headquarters Phone Number ( XXXX ) XXXX, XXXX XXXX XXXX XXXX Nebraska, XXXX, www.fnbo.com First National Bank of Omaha did not send me a consumer an adverse action notice letting me know they was doing a 95 % Credit Limit Decrease with me. {$9400.00} credit limit, never missed a payment.Then unexpectedly XX/XX/XXXX, my credit limit decreased to {$500.00} which inturn tanked my XXXX XXXX about XXXX points, and affect my credit utilization. FNBO First National Bank of Omaha cut my card limit down about 95 % This is Horrible how you treat people with your high limits then penalize those of us that are responsible and pay on time and more than the minimum!. Bait and Switch Contact customer service and I was told that my FNBO Credit Limit Decrease for not posting a high balance on my credit cards and paying my credit card in full each month. I am not in financial trouble, I never missed due dates, and " However, when people applied for the cards, part of he qualification and limit-setting process stated nothing about I had to spend on the card. FNBO drop my husband credit limit from {$15000.00} down to {$500.00}. My husband spoke to XXXX XXXX from the office of the President FNBO and restored his credit limit back to {$15000.00}
|
| 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
|
|
Web |
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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.
|
| 04/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American, Servicemember |
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Hello. FNBO bank recently denied my request for a credit card based on their assessment that they could not " ... verify certain information ''. I contacted their credit department on Friday, XXXX XX/XX/2023 and spoke at length with XXXX who is a " Lead '' in that section and I asked what information I could provide to verify my application in order for it to proceed. After repeated requests for this data, she stated " ... that it is bank policy not to disclose such information ''. I asked which credit bureau they used and she responded " XXXX '' and suggested I contact them to review my report. I contacted XXXX by phone and was advised that there is no derogatory information of any kind on file with them. Further investigation on my part revealed that XXXX and XXXX had the exact same correct data and my XXXX score is good. XXXX further indicated that FNBO had not run any credit check on my file within the last ninety days which begs the question " Where did they get their data from? ". Any financial institution within the United States that refuses a person credit is required by law to state the reason ( s ) for such denial along with the bureau ( s ) that provided the report ( s ).
A reasonable person would therefore conclude that FNBO 's rationale for denying me credit is generic in nature and, in effect, denies me the right to correct any erroneous data they may ha
ve on file. To deny me such recourse is both arbitrary and capricious.
|
| 02/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
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!
|
| 09/04/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
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I signed up through the app and made a transfer of {$44000.00} through XXXX. Shortly after the transfer went through on Thu, XX/XX/XXXX at XXXX I received an email from support that my account was restricted due to suspicious activity. I replied at XXXX asking what I need to do to resolve the restriction on my account. At XXXX I receive a reply from support that they are going to transfer me to the correct team to help me and that I should get a reply within 1-2 business days. On XX/XX/XXXX at XXXX I have not heard back from anyone yet so I send another email to support asking if there is any information I can provide to help with the process and remove the restriction. On XX/XX/XXXX at XXXX I still have not received a response so I follow up with another email asking if there are any updates. On XX/XX/XXXX at XXXX I again ask if there are any updates and to this day have not received a response or help from support. This correspondence was all done through email. I had a very similar experience with their in app support chat as well. On XX/XX/XXXX at XXXX XXXX I asked through the in app support chat if there was an update regarding my account restriction. I received a reply that it was being transferred to the correct team and I would receive a reply in 1-2 business days. I followed up with similar messages asking if there was any information or documentation I could provide to assist in the process and I have not received a response.
|
| 12/06/2016 |
Yes |
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Web |
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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 |
|
- Advertising and marketing
|
|
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
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Web |
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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
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| 11/19/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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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.
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| 08/15/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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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
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| 10/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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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.
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| 04/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Servicemember |
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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.
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| 01/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
Servicemember |
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On or about XX/XX/2022 XXXX was contacted and I explained my situation of unemployment and no income due to being medically disqualified to continue my 25 year career by a federal agency. I requested auto pay option be stopped as well. I thought my card ( s ) and account would be suspended without penalties due to my situation ( best scenario for everyone involved I thought- my card had about a {$1100.00} bal ) instead 40 years total of employment and credit building all down the tubes.Documentation was declined/refused and only response I received was " you still have to pay and on time if no penalties '' I reminded them of no income, and the response was " we have a payment plan '' Same as my former employer-punished and penalized for being sick. It's sad that this country has become so sadistic and inhumane and heartless. Every one gets dealt bad situations. Worst part, the people on the opposite end of my situation if they get in a similar situation will expect everything in their favor and it still wouldn't be enough. I'm not asking for freebies, just a realistic amount of time ( up to social security etc... not to be punished. I guess I'm supposed to rob a bank or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to appease them. For the record, this one is funny. They are from XXXX but show up local but say to call a different number. All are always robo calls. Is this so they can say they are not calling daily?
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| 09/25/2023 |
Yes |
- Credit card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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This complaint is now going against FNBO First National Bank of Omaha -this dispute started back in XX/XX/XXXX where XXXX XXXX received funds from my XXXX account to pay for my XXXX gas card. These funds were transferred on XX/XX/XXXX in the amount XXXX. The following month again funds were transferred to XXXX XXXX for my XXXX gas card in the amount of XXXX on XX/XX/XXXX. These funds were never credited to my account and when I asked why they stated that XXXX bank no longer handled the XXXX gas accounts and that I would have to work with FNBO which I began to do. Multi calls and investigations took place by FNBO but eventually I was advised that it would be my responsibility to work with XXXX XXXX because they were no longer working with them and they did not received the funds. Again multiple calls and faxing of documents I finally ( 1 year later XXXX XXXX XXXX found the money and they did prove they wired it over to XXXX on XX/XX/XXXX and XXXX/XXXX/XXXX. I have now provided this information to XXXX and as of today XX/XX/XXXX I am unable to get any credit to my account which is being added interest and late fees each month. This situation has not only effected my credit score but also my children 's even though they were only authorized users. This is so hard to understand as a consumer how banks can move your funds between them and it take 1 year to figure out where the extra money that they have should go.
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| 07/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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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.
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| 03/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
Servicemember |
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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.
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| 12/19/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
Older American, Servicemember |
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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
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| 01/26/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I opened an account with First National Bank of Omaha ( FNBO ) on XX/XX/XXXX and they ran my credit and I was approved for {$8500.00} dollars. As of XX/XX/XXXX FNBO decreased my limit to {$3700.00}.
I have a balance owed of {$3300.00} with an available balance of {$320.00} Which by far has trickled a BAD RESULT with all credit companies CREDIT COMPANIES. If I apply for credit I am denied ENDLESSLY and they have RUINED my CREDIT FOREVER.
FNBO decision was not based on non payment or late payments.
FNBO decision was based in part on a scoring system that was used to predict your creditworthiness?
This was all started by First National Bank of Omaha The reasons are : : : : Total monthly payments on open credit card accounts Current payments amount as % of amount due Number of revolving trades with a balance NEVER BEEN LATE ON ANY OF MY CREDIT CARD PAYMENTS WITH First National Bank of Omaha OR FOR THE MOST PART ANY OF MY CREDIT CARDS.
IN ORDER TO OPEN AN ACCOUNT WITH XXXX THEY RAN MY CREDIT AND MY SCORE WENT DOWN AND I HAD AN INQUIRY STAYED ON MY ACCOUNT FOR 2 YEARS?
Attached bank statement from XXXX of XXXX and letter from them showing decrease in credit limit.
They have definitely been successful with RUINING my credit by decreasing my AVAILABLE credit.
What justifies them to decrease my account balance if I do not have non payment or I am not late on my credit card payment?
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| 10/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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This is a new credit card I applied for, my first statement showed {$4.00} charge from XXXX and another charge of {$99.00} from XXXX I called the credit card company and disputed the charges, I have no idea what these charges are. Also called XXXX and XXXX to find out what this was for. this is not a legitimate company, they said i have signed up for healthcare and to read the fine prints from now on. I go to work and come back late at night to support my family I don't have time waste on websites and sign up for things i dont need. credit card company was not on my side saying they also called the company and they verified my info and i was responsible for the charges and was told it was for something I signed of for. I have no idea whats going on and am shocked that this could happen and my credit card company isn't on my side and the crooks are getting away with this. all i know is i have not received anything from that company nor do i want anything from them. they apparently have all my info so its no problem for them to verify things on my behalf. i hope my credit card company changes their mind and protects me. its amazing that this is going on. called again and guy helping me said he is re opening the investigation, hopefully we have a different result this time if not i will not let this go i know for a fact this is fraud and i will not let these crooks get away with this.
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| 06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Older American |
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There have been several unknown credit inquiries on my XXXX Report that started XX/XX/XXXX up until most recent XX/XX/XXXX. Below are the list of companies, dates of inquiry and the outcome deemed by the companies.
XXXX XXXX, XXXX- XXXX XXXX - A letter was sent to me by mail stating, a XXXX XXXX application opened by unknown person and outcome from company was that the account opened from an unknown source was fraudulent. A fraud investigation was initiated, but there have been no updates of the outcome.
XXXX XXXX, XXXX XXXX XXXX Services- A letter was sent to me by mail stating, a fraudulent application was submitted using your name. I called the company to confirm that the application was not open by me. The credit bureau agencies were notified by XXXX and they requested that the inquiry be removed from my credit report.
XX/XX/XXXX- First National Bank of Omaha- A letter was sent to me by mail, stating that an application was opened and was unapproved due to elements associated with fraud.
XXXX XXXX XXXX Letter received on XX/XX/XXXX stating to please call them right away because they detected suspicious activity on your credit card and the account has been suspended. I have never applied for a credit card with XXXX XXXX XXXX. I contacted the company and they gave additional information on how to report fraud alerts to the credit bureaus and the Federal Trade Commission.
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| 06/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/2023 I initiated a payment from my bank to First National Bank of Omaha for the amount of {$880.00} To this day I have not received credit for this payment that shows as paid by my bank that sent the funds. I have talked to FNBO several times and have faxed the information to them to the number given and they claim they never received it. Each time they say it takes 7-10 business days to process. They refuse to expedite the request and refuse allowing me to talk to anyone in the proper department but I only can speak to a general representative other or those that claim to be leads or managers.
I understand what caused the problem yet explaining it gets me nowhere. When I usually make payments I initiate FNBO to withdraw on my bank. For this payment I set it up for my bank to transfer payment to FNBO. A few years ago I lost my card and they sent a new one and of course changed the account number. I obviously forgot to change my FNBO account number with my bank so the payment went to an old account number. I have provided them with the old and new account number that it should go to yet they are doing nothing to resolve the matter. This is now the XXXX business day this has been going on. This is simply unacceptable. I made another payment of {$900.00} just to avoid interest charges and having to go through this again with a bank that provides no resolution for issues.
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| 05/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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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.
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| 04/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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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.
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| 04/04/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Application denied
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Web |
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First Bankcard Cardmember Services XXXX XXXX. XXXX XXXX XXXX, NE XXXX Re : Complaint of Discrimination Accounting Ending XXXX Dear First Bankcard, Please allow this letter to serve as my complaint of discrimination against me.
I applied for the bank credit card because the promotional flyers was sent to me to take advantage of the Amtrack points. The bank ran my credit, and the application was approved, and I got email to be expecting the card in the mail.
But instead, I got a letter from the bank ( copy attached ) that the account was closed after second review and ELEMENT ASSOCIATED WITH FRAUD. This I dont understand what fraud we are talking about here, other than to assume that this was a discrimination.
I could care less if the bank gave me credit, but you put a ding on my credit file, approved the card and only to cancel the card for reason I dont understand.
Please explain to me the fraud that has occurred here. The only thing I can think of is my address. I have two properties and use both addresses.
Home address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I feel that I am being discriminated against based on my race until someone proves me otherwise.
Since the card was canceled, and there is a credit ding on my file, Im requesting that the inquiry be removed immediately.
Sincerely, XXXX XXXX
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| 01/01/2017 |
Yes |
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Web |
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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.
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| 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
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Web |
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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.
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| 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
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|
Web |
Older American |
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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.
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| 07/20/2016 |
Yes |
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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.
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| 02/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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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.
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| 11/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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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.
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| 10/23/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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FNBO advertised a credit card promotion to earn {$200.00} bonus cash back when opening a new card and spending {$3000.00} within 3 billing cycles, in addition to 2 % cashback on all purchases. I signed up for this card based on the offer, I was approved, and I spent the required {$3000.00}. I paid my bill in full, and then went to withdraw the XXXX points I had earned, which is worth {$260.00} ( the {$200.00} bonus and the 2 % of the {$3000.00} = {$60.00} earned ). Their rewards system wouldn't allow me to withdraw my earned cashback.
I called FNBO several times, most recently on XX/XX/2023 attempting to get my earned cash back rewards. Nobody I spoke with could provide a way to get me my rewards, as their " High Risk Department '' had put my account on hold. This department demanded I submit a notarized copy of my signed social security card, government issued photo ID, copy of a full recent tax return, and a copy of my business tax return.
I refused to submit this highly personal information, and requested they issue a credit on my account or mail me a check for my rewards balance. They said the rewards department had to handle that. I called the rewards department who informed me they can't issue rewards while the " High Risk Department '' has my account on hold.
I demand a check for the {$260.00} in earned rewards to resolve this matter.
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| 01/24/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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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
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| 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
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Web |
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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.
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| 09/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
Older American, Servicemember |
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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.
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| 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
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|
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!
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| 12/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
Older American |
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Hello Dear CFPB I am small business owner and have flawless credit both personal experian XXXX XXXX XXXX and business XXXX and XXXX XXXX business.
I was researching to apply business credit card and come up to company name XXXX and pre qualified, I applied and approved {$15.00} Upon receiving my card i activated and was tried to use in gas station but transaction was declined, after that i called and spoke with costumer service rep and was told that it was just verification, Latter i was using it for business use only.
To my surprise after couple days i have tried to use card and it was declined again and when i called i was told account has been closed, it was very surprising for me because as i mentioned i have superior credit income and business profile.
couple day ago i received letter that was sent from fraud research department and they stating i am unnecessary risk for bank which is shocking because i am top 1 % of all businesses in market that everything is in great shape. Please assist me to reopen my account because as i said i have worked hard to keep my business and my personal account in great shape and to get this type of result its just unacceptable. In my opinion this is pure discrimination and have nothing to do with credit or business exposure.
I have attached their letter that they sent me.
Thank you
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| 11/05/2016 |
Yes |
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Web |
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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.
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| 04/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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|
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.
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| 04/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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|
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.
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| 11/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
|
|
Web |
|
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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
|
|
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
|
|
Web |
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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.
|
| 06/05/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
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I enrolled the offer of FNBO {$300.00} Checking Bonus + {$200.00} Savings Bonus with details like below : " FNBO Bank is offering a bonus of up to {$500.00}. Bonus is broken down as follows : Open a new checking account with XXXX XXXX XXXX and receive a {$50.00} bonus Open FNBO Savings account the same day as your checking and receive a {$10.00} bonus Set up and receive qualifying direct deposits in your new checking account ( direct deposits totaling {$500.00} must post to your account XXXX XXXX periods in a row ) and receive a {$250.00} bonus Maintain a {$3000.00} balance for 90 days and reach the checking account requirements above and get a {$190.00} bonus '' I was able to maintain the balance of at least {$3000.00} in the savings account ending in XXXX for at least 90 days. I deposited at least {$3000.00} on XX/XX/XXXX and kept it until XX/XX/XXXX. I attached all the statements showing these balance.
However, I still didn't receive the bonus. Now the account was automatically closed due to XXXX balance.
Based on the requirement " Maintain a {$3000.00} balance for 90 days and reach the checking account requirements above and get a {$190.00} bonus ''. I should receive the bonus since I kept the balance for more than 90 days and checking account requirement was satisfied.
Please resolve this ASAP!
|
| 02/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX, credit card was close by ( First National Bank of Omaha ). On ( XX/XX/XXXX ) As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Also I did not grant permission or authorize for another soft pull on my consumer credit report. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( First National Bank of Omaha ) has violated my federally protected consumer rights : 1.15 U.S Code {$1600.00} 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated ( XX/XX/XXXX ) is both a proof and evidence that I have been discriminated against, you are also criminally liable. ( First National Bank of Omaha ) should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT.
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. I will like both of my personal credit card account to be reopen Ending in XXXX and XXXX immediately BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
|
| 08/06/2022 |
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
|
|
Web |
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On or about XX/XX/XXXX, one of my business partners tried to use her office credit card, but the charge was declined. I reviewed our credit card transactions online and saw that there were three transactions that I did not recognize : XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX {$960.00} I called FNBO and immediately started a fraud investigation. I also reported that my credit card was lost or stolen. The representative told me that they would put these items as " disputed. '' Today, I received a letter from FNBO fraud investigation department stating that they were denying my claim because my " chip-enabled credit card was used at a chip-capable terminal ... and that my credit card had not been reported lost or stolen. '' First, I did report my card lost or stolen as soon as I learned of the fraudulent charges. Next, if someone stole my card and put the credit card in the chip-capable terminal, then of course that is how the sale was approved. The problem is it was not me making those purchases. Where is my signature that I charged these things? Where is any pin authentication? If the clerk does not check and ID, and still lets the person leave with the merchandise, then whose fault is that. I did not make these purchases and I should not be liable for them.
|
| 10/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American |
|
I went to the XXXX XXXX store to finalize the contract for a kitchen home remodeling project. I was in the process of paying for the project with a combination of credit cards. All the credit cards went through successfully except for FNBO 's who denied the charge, blocked the card, and accused me of attempted fraud. These accusations continued and escalated. The first contact I spoke to said, " A lot of people are purchasing gift cards with credit cards at XXXX XXXX and XXXX. '' Then, in a follow-up phone call I received from them, ( I am paraphrasing ), " If you you are involved in any more scamming activities ... '' Then, in a letter I received from them, " and you are associated with other persons who are doing so. '' These accusations escalated even after and despite my complaint to a higher managerial person about the false accusations. I, as well as the XXXX XXXX kitchen designer, were appalled at the initial rudeness and obtuseness of the initial customer service rep of FNBO. The fact that a manager did not put a stop to these accusations, and perhaps is a force behind their continuance is also appalling. There is a stark level of difference between FNBO and all the other credit card companies. I am not exaggerating when I say that I perceive that this company is dangerous to customers.
|
| 09/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
orginally contacted XXXX XXXX XX/XX/XXXX. They requested more information I submitted that and never heard back. I then proceeded to contact them via Chat. The history of reaching out is below.
- XX/XX/XXXX asked for help to remove the restriction. They responded asking for more info and I provided it. Then they never responded again.
- Started a chat with XXXX prior to the XXXX ( It doesn't say what day exactly ). She did respond saying she was transferring me to the proper team and should receive a response in 1-2 business days.
- followed up the XXXX. - no response - followed up the XXXX - no response - filled up XX/XX/XXXX - no response- Started a chat with XXXX on the XXXX- received a response on the XXXX with the exact same response as XXXX. I explained that I received the same response before and never heard back and if we could escalate. - no response - followed up the XXXX - no response - followed up the XXXX - no response- Started a chat with XXXX on the XXXX. responded on the XXXX, This time the response was the same as XXXX 's but stating it will take 3-5 business days. I responded letting them know it has been more than 2.5 weeks and no one has reached out. - no response I don't know what else to do at this point. When I call the support line they say to email and start a chat.
|
| 07/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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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 |
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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..
|
| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
On XXXX XX/XX/XXXX my XXXX file dropped from XXXX to XXXX an amount of XXXX points. When I read what happened on XXXX XXXX the reason was veg it did make any since the company is FNBO is used the card to buy breakfast but I paid the entire amount of in XXXX weeks, but this company reported negative on my file which made my score drop XXXX points. I will never used this company credit card every again, period!
They also reported to XXXX which also had a negative effect, my score dropped XXXX points from XXXX to XXXX.
I XXXX in XXXX and this card credit limit was XXXX, it has dropped to XXXX and has never gone back up. They have asked me for my work history but other credit card company have provide me more credit. Like discover limit went from XXXX to XXXX, XXXX went from XXXX to XXXX and XXXX granted me another XXXX limited credit card, so overall have XXXX limited with XXXX.
I never been late with FNBO I just thanks that they are an horrible company and it like im stuck with until I can get another credit card that has a higher limit.
As a comsumer I make and attempt to keep my credit under 10 % and I pay the entire amount every month I was showering my daughter but this happen which did make any since to me so I reporting them so XXXX will not be effective by this horrible company.
|
| 06/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
About a month ago I applied for XXXX XXXX XXXX XXXX and was approved for $ XXXX limit. I received the card, activated the card and started using it. I tried to register the card for online banking but would always get an error message that such account did not exist. I added the card to my wallets including my XXXX and kept using it. A weeks ago I was buying furniture and were ready to pay the invoice with XXXX when my debit card declined as the amount was over XXXX and debit card had a spending limit of no more than XXXX. XXXX has an option when one card declined it uses the back up option which XXXX algorithm decided to use my XXXXXXXX XXXX XXXXXXXX by XXXX. The card declined again. I called XXXX customer service and explained what had happened and that the transaction was mine. The person was very nice and asked me to get my driver license, social security card and pay stub or W2 notarized and emailed to them. I did it right away and called them in a day only to be told that the account was closed. I paid {$150.00} only to get the papers notarized, let alone the absence from work to get the papers notarized. The person was very rude with XXXX style attitude and told me that he reserved the right not to even speak to me. And he made it clear that he was doing me a favor by speaking to me.
|
| 06/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
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
|
|
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
|
|
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
|
|
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
|
|
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!
|
| 01/15/2023 |
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
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Cell XXXX email XXXX Account # XXXX XXXX XXXX XXXX Credit limit start date XX/XX/XXXX was {$15000.00} Credit limit on XX/XX/XXXX XXXX {$500.00} First National Bank of Omaha Headquarters Phone Number ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Nebraska XXXX XXXX XXXX First National Bank of Omaha did not send me a consumer an adverse action notice letting me know they was doing a 95 % Credit Limit Decrease with me.
$ XXXX credit limit, never missed a payment. Then unexpectedly XX/XX/XXXX, my limit decreased to {$500.00} which in turn tanked my XXXX XXXX about XXXX points, and affect my credit utilization.
XXXX First National Bank of Omaha cut my card limit down by about XXXX percent This is horrible how you reel people in with your high limits then penalize those of us that are responsible and pay on time and more than the minimum! Bait and Switch Contact customer service and I was told that I my FNBO - Credit Limit Decrease for not posting a high balance on my credit cards and paying my credit card in full each month. I am not in financial trouble, I never missed due dates, and However, when people applied for the cards, part of the qualification and limit-setting process stated nothing about I had to spend on the card.
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. FNB OMAHA XXXX Date Opened XX/XX/2017 Balance {$3500.00}
|
| 10/30/2022 |
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
|
|
Web |
Servicemember |
|
XXXX XXXX XXXXXXXX transferred their credit card affiliated with XXXX to XXXX ( First National Bank of Omaha ). I received the new card in the mail and followed the instructions. Their website loaded after about 5 attempts and when I finally got it I received an error page that stated, " sorry, we can't access your account. '' Which I thought was odd. So I tried calling and called three different numbers i found and all of them stated, sorry we are experiencing heavy call volume and then it kept repeating that it couldn't help me so I hung up. I also received a credit alert from my credit monitoring report that I have charges that exceed over {$2000.00} of what my balance should be which leads me to believe that someone is charging on this new account since I haven't used the card! I also tried emailing them but the website does not register and gives me an error ( I am tech savvy so not sure why this is happening and I opened it up on XXXX and XXXX and both don't work ). Just all error messages and not I'm afraid that this will ruin my credit report 's good standing. I have no idea why XXXX XXXX XXXXXXXX did this! I am frustrated that this new credit card company is ruining everyone 's credit! I can't even make a payment if I wanted to. I also have everything documented.
|
| 04/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
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.
|
| 12/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
In XXXX or XXXX, I received a notice in the mail stating that FNBO was going to increase my APR in XXXX. On XX/XX/ I paid the full balance {$2300.00}. On XX/XX/ I received a letter stating that my credit limit was decreased due to delinquency on my account with them, total monthly payments and DTI. When I called to find out how I was delinquent when I paid it in full, I was told that I had a {$13.00} balance that I didnt pay. I informed to rep ( XXXX XXXX # XXXX ) that I never received a bill for the {$13.00} and was told that I was enrolled in e-statements. I said I never enrolled in e-statemets and always received a bill in the mail. I requested to have the issue elevated and to speak to a supervisor. She placed me on hold for a few minutes and told me her supervisor XXXX XXXX XXXX said there was nothing they could do and to figure it out with the credit union, XXXX. She said I could also request a credit increase in four months but it would require a credit pull. I reiterated that I never enrolled in e-statements and how they could address that. She told me if I wanted a bill for that, she would send it. I wasnt allowed to speak to a supervisor nor would she address the fees on the account after I paid the account in full or that I didnt enroll in e-statements.
|
| 03/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
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.
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
During my call with the creditor, they stated If I did not pay the debt in full I would lose my credit account and it would be reported to the credit reporting agency as late and placed into collections. I told the creditor that I did not have all the money and I would need to make a few small payments until I caught up. The creditor hung the phone up and began to report late payments.
Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigatethis request within 30 days, and promptly give creditreporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Financial Protection Bureaus notice to finisher of informationwhichdetails your responsibilitiesunder the Fair Credit Reporting Act as a furnisher of information to credit reportingagencies.This negative mark is damaging my credit. Please promptly contact XXXX, XXXX, and XXXX ( and any other credit reporting agency to which you reported this information ) and remove this information from my credit file.Please confirm within 20 days that you have directed these credit reportingagencies to remove this information.Thank you for your immediate attentionto this matter.
|
| 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
|
|
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.
|
| 04/10/2023 |
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
|
|
Web |
Older American |
|
XX/XX/XXXX XXXX, XXXX, XXXX As part of a scam on me, I was told to purchase gift cards at this store-as I was purchasing " secured funds '' to replenish my bank checking and savings account that hackers from XXXX XXXX sites ( XXXX and XXXX ) had sent through a withdrawal or {$11000.00}.
This person-XXXX-said he was from the fraud dept at my bank and was authorized to work with me on getting my money back by using my available credit on my credit card.
On XXXX, XX/XX/XXXX, I went to XXXX and purchased the gift cards as he directed.
{$7500.00} was authorized by FNBO, but {$7000.00} was denied.
I called FNBO on XX/XX/XXXX to let them know of the fraud/scam and they said they would investigate. I called again last week to find out what was going on and the gentleman said because I purchased the gift cards, FNBO couldn't honor the claim and on XXXX, XX/XX/XXXX received a letter affirming the same. This morning ( XX/XX/XXXX ), I spoke to a fraud rep and again exressed my concerns about this matter and had filed a police report, a report with the FBI, and my other credit cards used in this scam, honored my fraud claims. I was not offered an appeal, paperwork to support the incident. FNBO does not offer the appeal as a matter of their policy.
|
| 11/07/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
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
|
|
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.
|
| 03/30/2022 |
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
|
|
Web |
|
|
I opened this card on XX/XX/2022 I only used {$1.00} on the card with no problem. After a few weeks of having the card, FNBO have decided to stop me from logging in to make online payments & Telephone payments. After talking to several agents, I was told I'm not allowed to make payments until I submit documentation that was requested out of no where. I felt forced to submit my private personal documents such as, my paychecks and pictures of my SSN and ID in order to pay my account and avoid being late to not impact my credit. As of this moment I do not know when is my due date and they are not allowing me to make payments on my account which will cause me to be late on payment & eventually impact my credit. Overall, I was forced to submit personal documents in order to have the ability to pay my balance, and I'm still being asked for more documentation as part of XXXX discrimination even after submitting the initial requested documents. I DO NOT want to be an FNBO customer but i'm being forced to be a customer because of the unpaid $! balance that I want to pay. My lawyer is already aware of this situation, and if this bank institution does not allow me to pay my unpaid balance and it ends up impacting my credit they will pay the price.
|
| 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
|
|
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.
|
| 12/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
On the Main Page of the XXXX XXXX XXXX XXXX ) it is very difficult to find the paperless statements- they should make that easier but not a big deal 2 ) I had XXXX XXXX on XX/XX/XXXX so I relied on the main page of the account home to tell me the due date to pay to avoid interest 3 ) Guess what your due date in not anywhere on the main account home page so i though I paid in time to avoid interest 4 ) Nope the statement date was 4 days after the previous due date but one would not know what if you missed it on the paperless statement which I did with good reason and I accrued interest 5 ) For such an easy fix this seems intentional to catch people dealing with life 's tragedies for some money I did let them know you should probably put the due date of your last statement on your homepage landing page ... ..seems kinda shady. XXXX seemed to not care tbh. Hopefully the west region exam team can convince them otherwise the potential of consumer harm here especially for the everyday consumer who can miss this like i did EASILY.
I attached the home page screen shot showing 1 ) how the due date is not displayed and 2 ) how hard view statements is to see ( middle bottom hidden in the page ) - again seeming innocuous but also intentional.
|
| 08/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
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
|
|
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.
|
| 08/27/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
In good faith I opened via their mobile a savings account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX only later to learn that my application was denied : " We're Sorry. Unfortunately, we're unable to approve your request for an account because it did not meet our bank 's requirements. These requirements include but are not limited to identity verification. We did not perform a credit check and your credit was not a factor in this decision. We appreciate you considering us for your banking needs. '' I then sent an email to : XXXX asking if they could please tell me what on the application is causing this denial to a no minimum balance savings account that I wish to open and what do I need to do in order to get this resolved? I then get this automated reply : At XXXX, we consider a variety of factors to determine account eligibility. We understand that you might be curious what these factors are but, for security reasons, we can't share the complete list of criteria we use. Maintaining the security and confidentiality of our evaluation methods is very important to us and our aim is to ensure fairness and equality in the assessment process for all of our applicants. Which did not answer the question. Could you please assist me?
|
| 02/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
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.
|
| 10/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received notice from XXXX debt collection for a XXXX XXXX Credit Card. I asked on several occasions for proof showing that I opened this account, since XXXX stated it was opened XX/XX/XXXX with First National Bank of Omaha. FNBO, stated last payment was received XX/XX/XXXX and charged off the account on XX/XX/XXXX. NOTE : Statute of Limitations started in the month of XX/XX/XXXX, when payment wasn't supposedly received. I called FNBO to request a copy of the original written contract, to prove this was my account. FNBO stated they had no record. FNBO sold the account to XXXX XXXX XXXX XXXX. XXXX on or about XX/XX/XXXX, and on that same date XXXX assigned it to XXXX. My complaint is if the account was in the hands of FNBO until XX/XX/XXXX why am I unable to get a copy of the written contract. XXXX have supplied me with bills, but in this day and age anything can be forged. Especially with my information being compromised through the XXXXXXXX XXXX XXXX XXXX on several occasions, and most recently Great Expressions. I did have a XXXXXXXX XXXX account around XXXX and it went in charge off status not long after. My request is for XXXX or FNBO to provide me with a copy of the original contract.to prove this is my account.
|
| 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
|
|
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.
|
| 06/06/2023 |
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
|
|
Web |
Older American |
|
We have a Scheels VISA card which is managed by FNB of Omaha. We just found out yesterday that the billing address on our card was changed back on XX/XX/XXXX to a California address. We live in Utah. So we called Scheels yesterday and had the card and account shut down. They are now issuing me a new card and changed our secret passcode on this new account. They told us to call XXXX to get this address removed from our credit report which I did today. They then told me to come to this site and report the fraud and account takeover. So far we don't believe there were any charges on our credit card by this individual. But will not know for certain until we get our new card in 5 to 7 days and then able to setup our online account and payment. This credit card earns us points for all purchases we make anywhere and not just at this local Utah store. So with these points, I usually get a {$25.00} gift card every month in the mail. So looks like this must have gone to this California address for the last 2 months. Let me know what additional information you need. I also setup fraudulent alerts with XXXX today as a proactive action and they told me this would also be enforced by XXXX and XXXX for the next year.
|
| 04/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
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.
|
| 03/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
The XXXX 's XXXX card has a promotional offer of 0 % interest on purchases at XXXX 's over {$500.00}. On the statement they have a section called the " Charge Summary '' that separates the transactions into the two interest rate categories. I have tried to contact them several times asking why I am still being charged interest after paying the amount listed in the " Balance subject to Interest '' column. They stated the balance is an average of the balance subject to interest. When I asked how am I supposed to know how much to pay to avoid interest charges, the man on the phone suggested I call and ask every month before making my payment because that amount is an average of the daily balances subject to interest. I called again a month later because again I was charged an interest charge after making a payment I thought was sufficient. This person stated I must take the " Balance subject to interest '' amount from the Charge Summary and add the minimum payment to find out the payment to make in order to avoid interest. This is a very very deceitful way to make money from customers. I should not have to do multiple calculations in order to determine my monthly statement balance and proper payment.
|
| 02/06/2017 |
Yes |
|
- Advertising and marketing
|
|
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.
|
| 01/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I am submitting this complaint because I had XXXX credit card accounts with FNBO. On XX/XX/2022 I received the XXXX letter in the mail that stated they are suspending my ability to make any more transactions with XXXX of my cards. It also stated that to get my spending privileges reinstated that I need to submit copies of my driver 's license, social security card and a recent pay stub. I submitted these items through email and mail but on XX/XX/2022 I received another letter stating that the account had been closed and to destroy the card. I called them to question them about the situation and the reprezentive could not give me a reason why my credit account had been closed. All of my payments where on time FNBO had no reason to request my personal information as this is violation on my right to privacy. Also when they closed this credit card account it dramatically affected my personal credit score and they are also continuing to add interest as if the card is still active. I feel like I am being discriminated against because no one has any explanation to how and why this could happen. I also sent them a certified letter over 45 days ago regarding this matter and FNBO did not reply.
|
| 08/27/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
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
|
|
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
|
|
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.
|
| 01/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
Dear Professionals, I have this First Bank Credit Card since last year XXXX and have been using it for a few months now. Starting on XXXX I notice a {$39.00} charge for XXXX XXXX XXXX and XXXX last year. I notified First Bank Credit Card for disputing the charges. After almost XXXX months now and it has not been resolved and there are XXXX charges in total of ( {$310.00} ) from XX/XX/2022 to XXXX this year and XXXX charges credit it back total of ( {$110.00} ). For some reason, the XX/XX/2022 statement is missing that I can't click on and see if the charges been resolved. I am here to file a complaint because I have been calling and talk to their customer service and they stated that I have to wait until everything to be cleared with the fraud department in order to talk to me. This is the first time that I have this problem with this credit card, it has been XXXX months and there are so many charges and missing XX/XX/2022 statement or charges showing me the disputes. My name is XXXX XXXX, First Bank website is XXXX XXXX XXXX. Their customer service is XXXX. Please help me to escalate this issue and want to clear out this and cancel this card. Thank you. I can be reached at XXXX
|
| 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
|
|
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.
|
| 12/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
XXXX is horrible, they sent me a letter saying I had 30 days from the date of letter in late XX/XX/2021 to verify my identity and send notarized copy of my social and ID and paycheck stub to verify my identity. I did so and was speaking with fraud department very unprofessional and uneducated about what they're talking about. Gave me the run around for a whole week. I was speaking to a rep yesterday whom said they would call me back. NEVER got a call back never got email. But today when I called they informed me that they closed my account for unknown reasons ... .This is a BIG WASTE OF TIME and messed up my business and suffered a loss and was in XXXX handling business and wasn't able to conduct business properly this is unacceptable. I just got off the phone with them and the rep lied and said I didn't summit docs I did.
I responded back in a timely manner and no communication was given or reason of why account has been closed.
Rep was clueless and didn't allow me to speak to a rep.
Rep also was rude and didn't help me AT ALL I lost money, but most importantly time and was stuck in XXXX thanks to XXXX.
I sent email to XXXX XXXX XXXX as well still waiting on response.
|
| 04/30/2023 |
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
|
|
Web |
|
|
1. In XX/XX/2022, I applied for and was issued the the XXXX XXXX XXXX ( XXXX ) by by First National Bank of Omaha ( FNBO ) 2. The XXXXFNBO promo email I received included special promos for the annual fee and premium awards fee. 3. I was charged erroneously for the annual fee, because I signed and obtained the XXXX credit card under the terms of, {$0.00} Intro Annual Fee for the 1st year. See enclosure. However, on XXXX I was charged {$20.00} for the annual fee. 4. Then I was charged erroneously for the premium awards fee, because I signed and obtained the XXXX credit card under the terms of, {$0.00} Premium Rewards fee for the 1st year. See enclosure. However, on XXXX I was charged {$50.00} for the premium rewards fee. 5. I contacted four ( 4 ) times be postal mail and three ( 3 ) times by email and never received an affirmative response to my concern and complaint. 6. I was completely ignored and I suspect this is a wide and habitual practice of FNBO, to bilk fees out of unsuspecting customers and use promo emails to lure them. 7. I have all of the supporting documents and artifacts to support my claims. 8. First National Bank of Omaha XXXX XXXX XXXX XXXX, Nebraska, 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
|
|
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
|
|
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
|
|
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
|
|
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
|
|
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
|
| 03/27/2023 |
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
|
|
Web |
|
|
I have an XXXX XXXX XXXX. For a long time, this card was administrated by XXXX XXXX XXXX. At some point, it appears that this card changed ownership and was now being administrated by the First National Bank of Omaha. At XXXX XXXXXXXX XXXX, I had autopay set on the credit card and did not miss payments. When this card was transferred to First National Bank of Omaha, this autopay information was eliminated, resulting in two missed payments. I did not receive a notice of this change of service providers and missing information or changes to my autopay from either XXXX XXXX XXXX or First National Bank of Omaha. The first outreach I received was third-party credit agencies hounding me for missing payments. After finally discovering the change and enrolling in an online account with First National Bank of Omaha, I called First National Bank of Omaha, and they admitted their mistake and removed the two late fees as a courtesy. However, they had already reported the missing payments to the credit reporting agency, resulting in a diminished credit score. I asked that they helped me remediate this situation by amending their reporting. They stated they were unable to do so.
|
| 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
|
|
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
|
|
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.
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| 01/05/2016 |
Yes |
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Web |
Older American |
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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.
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| 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
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Web |
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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.
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| 01/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Problem getting a working replacement card
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Web |
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I used to have two credit card accounts with another bank, XXXX XXXX XXXX, and sometime in 2022 they decided to transfer those accounts to FNBO ( First National Bank of Omaha ), without letting me know nor sending me the new cards. The accounts got transferred, and since I was not notified of this nor did I receive any new credit cards, I was not aware of this transfer and nor can I set up an online account or even make payments. There were apparently some charges that got transferred with the accounts as well, so they were somehow carrying balances when they got transferred. I couldn't nor did I know to pay them off. So, those accounts ended up showing derogatory in my credit reports, and that's the time when I finally realize that they existed. I contacted FNBO several times about this issue, right after I notice the problem, and a few times after that as well. They recognize this issue, but they say they can not do anything about my credit report. They also said that they were going to finally send me the new cards. But until this day, I still have only received one card, and the other is still missing, and I still can't make payments to that account.
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| 10/28/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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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.
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| 06/20/2015 |
Yes |
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Web |
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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.
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| 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
|
|
Web |
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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.
|
| 07/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I am writing that FIRST NATIONAL BANK OF OMAHA is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including the FIRST NATIONAL BANK OF OMAHA. Since the FIRST NATIONAL BANK OF OMAHA decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).
Upon receiving this notice, I implore you to CEASE AND DESIST further communication through all mediums regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( c ). It is unlawful to furnish any form to create a false belief to coerce payment for this alleged debt through deceptive means. Pursuant to 15 USC 1692d ( 2 ) the use of obscene and profane language in this correspondence was very abusive for me to read!! Not to mention the unfair means used to attempt to collect this alleged debt by attempting to add additional fees to the alleged principal amount giving false representation of not only the status, but the amount of this alleged debt.
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| 01/23/2024 |
Yes |
- Credit 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
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Web |
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I have had the XXXX FNBO XXXX credit card with XXXX for 1 year now ( Since XX/XX/XXXX, it is now XX/XX/XXXX at time of writing. ) Since XX/XX/XXXX, I have had a statement credit of - {$610.00} on my account Between XXXX - XXXX of XX/XX/XXXX, I started to spend this credit.
However, on the XXXX on XXXX, the ENTIRE REMAINING BALANCE of {$420.00} was REMOVED from my account. Gone!
Transaction detail : XXXX XXXX XXXXT {$420.00} I haven't been emailed about this. I haven't been called. No letters in the mail. Nothing.
On the XXXX of XXXX, I called fnbo and I waited XXXX to speak with XXXX. She told me I had to visit a bank to confirm my identity, but she kept talking over me. I asked to speak with the supervisor and she refused, she put the phone down on me.
Before I called, I could log into my bank, however after this call, when I try to login to m card, it says : " Account not found '' When I call them back and enter my credit card number for verification, the phone call NEVER continues, it just goes silent. I feel like I've been scammed.
I demand to know what is going on here!!! and I want my money returned to me!
Regards XXXX XXXX
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| 03/02/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
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Web |
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This Bank FNBO is terrible! Stay away from them! I had submitted a business application for a credit card in XXXX and I have excellent credit. They asked for all documentation which I provided. Then they said they approved me for a credit card. A few weeks later I received it and activated and started using it for my e-commerce business as mentioned. I only put about $ XXXX into it which I immediately paid off the balance. After that I was no longer able to use the card. They gave me NO notice and I had to call in several times! I spent dozens of hours on the phone trying to find out, one rep told me I was getting a new card shipped while another said it was closed. Then they said they needed further verification via notarized docs of my sensate info which I spent a day out of my way to go get my ID SSN and tax documents notarized to send. I come to find out that they closed my account without any real reason and still made me jump through all these hoops. I am very upset and would report this company for misleading and fraudulent business activity. I am disgusted at FNBO. And now I am left with inquiries on my report as well. Just ridiculous
|
| 08/29/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
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
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|
Web |
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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.
|
| 07/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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On XX/XX/22 I scheduled a payment in the amount of {$340.00} through the online system. The payment was debited from my checking account on XX/XX/22. The payment was never applied to my credit card balance. I contacted First National Bank Omaha to notify them of the discrepancy and on XX/XX/22 I was asked to provide proof of payment from my bank. I faxed the information and did not receive any update or response for two weeks. I called on two separate occasions and each time was notified that the Accounting department is not available because of the time of my call. When I called during Accounting department 's working hours I was informed by the representative that the payment batch is ready and will be applied. The first week of XXXX I received a notice dated XX/XX/22 stating that the misposting of my {$340.00} payment has been corrected and will appear on my next statement. When I received my statement the payment still did not reflect and the inflated balance. On XX/XX/22 I sent a secure message to the bank but still have not received any response. I checked my account online today XX/XX/22 and the payment still has not been applied.
|
| 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
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Web |
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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
|
|
Web |
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|
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.
|
| 06/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American |
|
I received the new credit card FNBO on XX/XX/XXXX. I made two purchases with it on XX/XX/XXXX for my new home. After the second purchase, I was called to verify the purchase due to a concern about fraud. On XX/XX/XXXX I made another purchase with no issue. Later on XX/XX/XXXX, I attempted an {$85.00} veterinarian charge, which was declined.
After the decline, I called and was given no information other than my account was frozen because fraud was suspected. I was told I would receive a letter describing various documents that would have to be notarized and sent in for the privilege of keeping my account open. I would not have found out about any of this and would have had additional rejected charges if I had not called in. The call center employees were generally very rude, demanding I verify my identify three different times, asking for every detail about every charge I made, while telling me they could divulge nothing to me since I was a suspected criminal.
I offered to pay off my card right there to prove fraud was not involved. This was rejected. The implication was that they preferred to close my account instead.
|
| 04/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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|
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
|
| 12/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I opened an account with XXXX XXXX a product of First National Bank of Omaha, in XXXX XXXX I few days later I tried to update the email address and telephone number for the account, but was informed that this could not be done because the account was too new. I was also informed that my account was now *restricted* due to suspected fraud and that the bank 's fraud department would reach out to me to resolve the problem and remove the restriction.
I never heard back from the bank. I have contacted them again repeatedly to request that the restricted status be removed to allow me to access my funds and update my contact information. Unfortunately XXXXXXXX XXXX does not allow customers to contact them by phone, but only via " chat '' within their smartphone app and via email. However, my " chat '' messages are not answered and the email address provided for customers to use to contact the bank is invalid : when I send messages I receive an error message. I need access to my funds, which have been frozen since XX/XX/, and my attempts to contact someone at the bank to fix the problem have been unsuccessful.
|
| 12/04/2022 |
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
|
|
Web |
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On XX/XX/2022 received an email from XXXX XXXX XXXX XXXX. The email congratulated me for being approved for a credit card. The problem is, I never applied for a XXXX XXXX credit card.
I called XXXX XXXX, explained the situation and they transferred me to their fraud department. After explaining the situation, they determined that someone had fraudulently opened an account in my name. They closed the account.
Later in the day on XX/XX/2022, I received another email, indicating that my credit application has been approved and they were sending me a credit card w/in XXXX business days.
I called XXXX XXXX again, concerned that this activity. After transferring to their fraud department, they determined that someone had submitted XXXX applications in my name. They assured me that both applications have been closed.
This appears to have resolved the matter, because I have not received any additional emails. I wanted to report this because someone appears to be using my name, without my permission, to open credit accounts. I don't want my good credit ruined because of someone else 's fraudulent activity.
|
| 06/18/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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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 |
|
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Web |
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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
|
|
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!
|
| 12/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit card account with First National Bank of Omaha was paid in full in XXXX XXXX XXXX. There was a {$0.00} balance following this payment. Following that payment the credit card was not used, no communication was received from FNBO. The card was inactive as far as I was concerned, with a {$0.00} balance.
Today, XX/XX/XXXX I receive a credit monitoring alert about a late payment being reported and to my surprise its FNBO reporting this account as XXXX days past due for a {$12.00} balance. I called and discovered that this {$12.00} is a finance charge. I was never contacted by FNBO about this account having any balance that was due at all, as I paid the account in full in XX/XX/XXXX. I received nothing from FNBO. Not an email. Not a call. Not a text. Not a letter. Nothing. There was absolutely no communication from them regarding this balance being owed. This balance is not a charge made by me, it's a charge put on the account by FNBO and was never communicated to me by FNBO. This has completely destroyed my life and is going to lead to me ending up homeless because FNBO failed to communicated.
|
| 10/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
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
|
|
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
|
|
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
|
|
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
|
|
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
|
|
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
|
|
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
|
| 10/31/2022 |
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
|
|
Web |
Older American |
|
I disputed a charge for {$120.00} with fnbo that was incurred in XXXX XXXX on XX/XX/22.
Although I was in XXXX at that time, I was not in that city nor did I go to that hair salon.
I received this response from fnbo : We have completed our investigation and at this time find the transaction to be valid. It was determined that your card was physically present at the time of these transactions. These transactions are part of your normal spending pattern, took place in your home area, and there are charges before and after and in between that you state are valid.
I have made repeated calls to fnbo to discuss this matter and have waited on hold and disconnected several times. When I did speak to someone they eventually only resent a copy of their original letter.
I am stating that this charge : 1. Is not a normal spending pattern. I do not spend that amount at hair salons 2. It did not take place in my home area but in an area i was not in.
3. The phone number fnbo supplied is not a working number. I am unable to contact the merchant as fnbo suggested.
4. I believe this is fraud
|
| 10/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
First National Bank of Omaha ( XXXX ) has a BP credit card ( XXXX XXXX ), that my parents have been a member of for the better part of XXXX years.
I applied for my own card XXXX months ago and was approved and used the card for that amount of time. A hold was placed on my account, I called and they claimed that they randomly choose accounts to put a hold on and have an employee review them, then take them off after. I asked to have the hold removed and they said they could not move any faster than whoever was tasked to reviewing my account.
XXXX weeks went by and my card was still on hold, they never emailed me, messaged me, or contacted me at any point about the hold, I had to call them.
They then mailed me a letter saying my account is closed because of unnecessary risk and exposure to the bank. I have never missed a payment, always paid the entire balance weeks before the due date. This is unacceptable and terrible business operations, my credit score will take a hit as a closed account will be reported, I need answers as they claim they can not re-open the account.
|
| 12/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
I paid off & closed my card with XXXX. After paying it off I received a {$290.00} credit for a purchase for a concert that got canceled. The bank received this credit back on XX/XX/22. Instead of sending me a ck immediately since the acct was closed they sent me a statement with a credit bal. When I got the statement on XX/XX/22 I called & asked them to send me the money, which they said they would. On XX/XX/22 I called again because I had not received the check yet and they told me that they had not sent it yet & were experiencing some delays. I asked them to overnight the ck and they refused. I thought it fitting since not only did they hold on to funds that belonged in an acct that was no longer active and had a XXXX bal. and waited for me to ask for it, but because 10 days had gone by since they told me they'd send me the refund chck. I have no way of knowing how much longer I have to wait for this money to be returned to me. They may delay it again for all I know. At least with the promise of an overnight I'd know right away if they're working on my refund or not.
|
| 10/08/2022 |
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
|
|
Web |
|
|
THE PROBLEM IS WITH INVESTIGATION THAT TOOK PLACE WITH CREDITOR FNBO THE COMPLAINT WAS FILED THROUGH CFPB AND RESPONSE CAME THAT THE INFORMATION IS ACCURATE AND BELONGS TO ME ITS ABOUT FNBO XXXX AND XXXX XXXX CARDS I SUBMITTED COMPLAINT TO XXXX ABOUT ADDRESS THAT DO NOT BELONG TO ME AND UPON INVESTIGATION XXXX CAME WITH A CONCLUSION THAT ADDRESS DID NOT BELONG TO ME AND ERASED IT AND THE ADDRESS WAS XXXX XXXX XXXX SAME ADDRESS THAT WAS USED TO OPEN THESE ACCOUNTS SO HOW THE VERIFY THAT THE INFORMATION IS ACCURATE WHEN THEY SHIPPED THESE CARDS TO THE ADDRESS THAT I NEVER LIVED IN? I UNDERSTAND THAT NAME DOB AND SSN IS MATCHING AND ARE MINE BUT IT IS NOT PROPER REASON TO BELIEVE THAT ACCOUNTS WERE OPENED BY ME THAT WHAT ITS CALLED IDENTITY THEFT WHENEVER SOMEONE IS USING YOUR INFORMATION WITHOUT AUTHORIZATION TO OBTAIN GOODS OR SERVICES UNDER YOUR NAME IF ITS CELLPHONE THAT THE NUMBER IS TRACING TO ME I HAD A OPEN DISPUTE WITH XXXX ABOUT STOLEN PHONE WHEN I ORDERED IT SO THERE IS ABSOLUTELY NO EVIDENCE OR SUPPORTING EVIDENCE TO KEEP THESE TWO ACCOUNTS ON MY CREDIT REPORT
|
| 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
|
|
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
|
|
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
|
|
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
|
|
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.
|
| 08/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have contacted FNBO several times in the past in regards to a dispute on my credit card for services not rendered. I also indicated, if there was any questions and/or clarification to please contact me. On XX/XX/2023, I received a letter from FNBO stating that they sided with the merchant due to the contract that was provided from the merchant. I contacted FNBO customer service at XXXXXXXX XXXX to inform them that the contract provided to them was not signed by me ( fraudulent ) and I was informed by customer representative, XXXX after a lengthy hold that a supervisor is not available. I called back at XXXX and once again requested a supervisor with customer representative XXXX XXXX After a lengthy hold with no supervisor, I disconnected. After working in management in a call center, I find it extremely difficult for no supervisors and/or managers to be available! I see that FNBO has a 1 star on the XXXX website from multiple consumers, now I clearly understand as to why that is!!
As of XX/XX/2023 my complaint with the BBB has been ignored from FNBO.
|
| 02/06/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
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
|
|
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
|
|
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
|
|
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.
|
| 10/08/2022 |
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
|
|
Web |
|
|
THE PROBLEM IS WITH INVESTIGATION THAT TOOK PLACE WITH CREDITOR FNBO THE COMPLAINT WAS FILED THROUGH CFPB AND RESPONSE CAME THAT THE INFORMATION IS ACCURATE AND BELONGS TO ME ITS ABOUT FNBO CARD I SUBMITTED COMPLAINT TO XXXX ABOUT ADDRESS THAT DO NOT BELONG TO ME AND UPON INVESTIGATION XXXX CAME WITH A CONCLUSION THAT ADDRESS DID NOT BELONG TO ME AND ERASED IT AND THE ADDRESS WAS XXXX XXXX XXXX SAME ADDRESS THAT WAS USED TO OPEN THESE ACCOUNTS SO HOW THE VERIFY THAT THE INFORMATION IS ACCURATE WHEN THEY SHIPPED THESE CARDS TO THE ADDRESS THAT I NEVER LIVED IN? I UNDERSTAND THAT NAME DOB AND SSN IS MATCHING AND ARE MINE BUT IT IS NOT PROPER REASON TO BELIEVE THAT ACCOUNTS WERE OPENED BY ME THAT WHAT ITS CALLED IDENTITY THEFT WHENEVER SOMEONE IS USING YOUR INFORMATION WITHOUT AUTHORIZATION TO OBTAIN GOODS OR SERVICES UNDER YOUR NAME IF ITS CELLPHONE THAT THE NUMBER IS TRACING TO ME I HAD A OPEN DISPUTE WITH XXXX ABOUT STOLEN PHONE WHEN I ORDERED IT SO THERE IS ABSOLUTELY NO EVIDENCE OR SUPPORTING EVIDENCE TO KEEP THIS ACCOUNT ON MY CREDIT REPORT
|
| 12/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
XXXX XXXX Account # XXXX On XX/XX/XXXX, I purchased a money order in the amount of {$270.00} and mailed it at the local post office for a bill payment due on XX/XX/XXXX. I have been informed that that payment was not received. XXXX XXXX has verified that the money order has not been cashed which indicates that it was lost by FNBO considering I have not received any returned mail to sender. Upon contacting XXXX XXXX, it seems that the only option available is to request a refund which requires a {$15.00} non-refundable fee and can take 30 days for processing. As a senior with a XXXX on a fixed income, the lost money order has posed a significant financial hardship on me at this time. Not only is FNBO requiring both XXXX and XXXX payments at once, there has also been a late fee imposed on the account. These payments and fees totals to nearly {$600.00} which I can not afford given my circumstances. If I do not make the payment, I am at risk of a negative reporting to my credit profile despite having mailed my payment in ahead of the due date.
|
| 01/26/2023 |
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
|
|
Web |
|
|
I opened a credit card with FNBO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with promotion mid XX/XX/2022, of taking off the purchased ticket price from {$100.00} promotional credit on my bill. I do not see that on my bill. Second, they did specify {$99.00} annual fee. But I was chocked that they charged me {$99.00} already, I am just a month old from opening the acct. Normally, credit cards would charge their annual fees '' XXXX year after the date it was opened '' - that is why its called '' annual fee ''. I did not see in the terms that it will be charged on the first billing cycle. This is just so UNFAIR. In XXXX reviews of this company, there were so many complaints, and I dont get it why this company has an XXXX rating from XXXX .... I share the same sentiments of others that we feel we are scammed ... .this HAS TO STOP. " PLEASE '. XXXX I wanted : To remove my {$99.00} annual fee charge ; XXXX ) to give me the promotional credit of {$100.00} to my bill. XXXX ) Once everything is straightened out, I would like to close my account.
|
| 04/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
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?
|
| 10/21/2022 |
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
|
|
Web |
|
|
On XX/XX/XXXX, I received the XXXX, XXXX or XXXX bill for a charge I did not incur. Despite several calls to the XXXX XXXX XXXX First National Bank of Omaha XXXX XXXX ( XXXX XXXX ), and was told they would look into it and despite the fact there have been others on my account that were bogus and were cleared up, this one was not. The reason they gave for the denial is that I elected to participate in an initial trial offer and did not cancel. Total XXXX. I never heard of the company XXXX XXXX XXXX XXXX My research on this company showed that this company was a scam and other XXXX holders experienced the same outcome. Since my association with XXXX was XXXX of several charges to my account that I never made and were resolved satisfactorily, I dont understand this. As a result I cancelled my card. When these scam amounts were resolved, I would receive a new M card and sure enough bogus charges would appear. The amount I was charged was {$95.00}. After I was told they would look into it a {$30.00} fee was added to the. Talk about fraud!
|
| 11/23/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
My husband died XX/XX/XXXX. I notified all creditors including the First National Bank of Omaha on XX/XX/XXXX. I was told that I was " secondary '' on the credit card ending in XXXX. I explained that my husband opened the account in XXXX before we were married ( XX/XX/XXXX ). I further explained that I have never applied to be on the account and have never used the credit card. I explained that I wanted to close the account.
A few days later I received a bill showing my name only due XX/XX/XXXX. acct ending in XXXX On XX/XX/XXXX I once again called FNBO. I was passed from a rep in billing to a rep in collections, a collections supervisor and a rep in fraud. I was told to submit an explanation.
I submitted a letter dated XX/XX/XXXX explaining the situation and included a copy of my husbands death certificate.
I received a letter dated XX/XX/XXXX from XXXX stating that " you completed the application '' and I am responsible for the bill. I received a statement indicating the balance is $ XXXX.with a new acct number ending in XXXX
|
| 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
|
|
Web |
|
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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.
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| 02/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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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.
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| 07/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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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.
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| 05/20/2015 |
Yes |
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Web |
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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.
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This complaint is to report the inaccurate credit reporting by FNB OMAHA. The FNBO OMAHA account XXXX should be immediately deleted from my credit report due to incorrect information. Each of the credit reporting agencies are reporting different information. How can this be possible when all data furnished should be the same? XXXX is reporting nothing, XXXX is reporting that I was late 15 times and XXXX is reporting that the account is closed with no payment history whatsoever. There are so many inaccuracies within this account, and I demand that it is removed immediately. I was also not mailed a 1099c for the write off of this account. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am requesting for the deletion of this account for inaccurate reporting. I will attach the letter my credit report showing the inaccurate information.
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| 11/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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I am trying to settle my mother 's estate but First National Bank of Omaha refuses to release the credit on her account. I have been working on this problem for more that a year when we realized that my mother had XXXX and had overpaid her account. My mother moved several times in the past year and she died XX/XX/2022. I have not received the correspondence that XXXX said they would send to her billing address. Most frustrating is my feeling that if she had a balance on her account then XXXX would be happy to send a statement directly to me. I went to the post office to permanently change her last two addresses to mine. The credit is {$140.00} and I realize that this is not the most important problem in the world, but I wonder how many seniors have overpaid their accounts, and do their families even know about it?
I can provide digital files of cc statement, death certificate, and poa.
Thank you for your assistance.
First National Bank of Omaha phone : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The family of XXXX XXXX XXXX
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| 12/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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Applied for and was granted a XXXX XXXX XXXX XXXX in XXXX from XXXX. Initial credit limit was for {$15000.00}. Later in XXXX, I received a letter that my credit limit was decreased from {$15000.00} to {$9600.00}. In XXXX I applied for and was granted another XXXX with a credit limit of {$1000.00}. Two weeks ago, I purchased plane tickets for a holiday trip with no issues. My wife went to use her card and it was declined. When I called XXXX, I was advised that my account was closed and that I would be receiving the reasons in the mail. I was then re-directed to the credit department and was given a huge run around. All they kept saying was you will get a letter. When I told them that I had multiple cards, I was told " Don't worry we will be evaluating that card also. '' I felt belittled and talked down to the whole time, when I told them that I have never missed a payment and always paid the card to zero after use, I was told that that did not matter. I believe that this action was taken because I am of hispanic origin.
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| 05/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
Older American |
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I attempted to open a RUNNINGS master card account on Thursday, XX/XX/2023 at XXXX XXXX per the store 's ( XXXX ) sales promotion.
The sales clerk applied for the card at the time and point of purchase per their standard procedure.
The bank ( XXXX XXXX XXXX XXXX XXXX ) denied the application at that time.
I contacted the bank directly, by phone.
The bank would not provide any information on the phone pertaining to the denial.
The bank mailed a denial response letter to me ( XX/XX/2023 ), ( ref # XXXX XXXX XXXX XXXX XXXX ) The denial letter listed several possible reasons for the denial.
I contacted " credit services '' at the bank, inquiring about the specific reason for denial.
The bank would not give me a reason for the denial The bank listed my credit score at that time as " XXXX '' ( excellent ).
I believe that the bank has made an error in their denial.
The denial of this credit card resulted in financial harm to me, as the promotion associated with the acquisition of the card was not available to me.
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| 03/02/2016 |
Yes |
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Web |
Older American |
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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.
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| 10/06/2015 |
Yes |
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Web |
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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.
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| 11/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Web |
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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 )?
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| 11/01/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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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.
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| 04/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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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!
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| 10/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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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.
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| 04/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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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.
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| 11/21/2023 |
Yes |
- Credit card
- Store credit card
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- Fees or interest
- Charged too much interest
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Web |
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My balance on my XXXXXXXX XXXX XXXX was due XX/XX/XXXX. I had previously made a payment but purchased other items throughout the month. I logged on, on my due date to pay may entire balance, which I did. However, when my new statement came out I was charged around {$55.00} XXXX for the XXXX balance. My entire statement was for only interest. Every credit card I have talked to since has confirmed that if your balance is paid off on or before the due date you should not have an interest fee. However, I called twice to try to get this resolved. One person told me that's the way credit cards operate, which I have had numerous cards over the past 30 plus years and this is the first card to operate this way. The other time I called I was informed that they charge interest for two consecutive months regardless of the balance. What? I then tried to email three times, the first two no response. The last time, after typing a huge email I was informed there was technical difficulties and my email did not go through.
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| 11/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Older American |
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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
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| 05/14/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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.
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| 06/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The CFPB needs to review the billing dispute process at this banking institution. Never in my life, have I had such difficulty resolving a small dollar dispute with a credit card provider. Timely filed billing dispute case XXXX for a total small dollar amount of {$310.00}. Attached is just a part of the lengthy amount of information submitted to the business. In fact, the business sends an email dated XX/XX/2022 asking for an unnecessary piece of information requesting a " letter from a neutral third party ''. As requested, a letter was submitted, about seven days later, the business reaches out and asks for " a letter on business letterhead ''. The individual is self employed. The business needs to fix the wording they use if they expect a cardholder to hire a third party company for an expert opinion.
Attached is a service invoice from the business dated XX/XX/2022, the business removed ALL of the equipment referenced in my original dispute. The dispute is valid, remove the charges from my account.
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| 07/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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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.
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| 06/18/2015 |
Yes |
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- Settlement process and costs
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Web |
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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.
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| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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LISTED WITH XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OPENED XX/XX/XXXX, FNB OMAHA OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX LISTED WITH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OPENED XX/XX/XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX LISTED WITH XXXX XXXXXXXX XXXX I OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OPENED XX/XX/XXXX, FNB OMAHA OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX ALL THE ACCOUNT LISTED I HAVE DISPUTED AND ALL THEY HAVE ALL REMAINED ON MY CREDIT REPORT, I HAVE REQUESTED VALIDATION OF THE DEBT AND COPIES OF SIGNED CONTRACT AND NON OF THEM HAVE COMPLIED. THE COMPANIES HAVE EITHER SIMPLY STATED THAT ITS VALID WITHOUT ANY DOCUMENTATION TO PROOF IT. I HAVE ALSO CALLED EACH OF THESE CREDITOR TO LET THEM KNOW IM THE VICTIM OF IDENTITY THEFT WITHOUT ANY HELP
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| 05/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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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
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| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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I had more fraud on another credit card with a {$14000.00} credit line that simply needs to be replaced with a new card and account number, but once again i'm seeing that the available credit was incorrectly deducted from my total on XXXX XXXX which reports to XXXX, where my total available credit is already nearly {$20000.00} too low, and I once again, lost a point on my credit score, and a month in my average credit age. XXXX will report that I have only {$23000.00} total available credit, when I really have {$57000.00}. it will show less than half of what it really is, when it's already almost {$20000.00} too low because they take so long to correct the information with the previos two cards that had to have account numbers replaced because of fraud. They need to stop constantly doing this over and over and over again, taking available credit away due to fraud, when the card is simply being replaced with a new account number, which should have absolutely no effect whatsoeveron my credit score.
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| 01/25/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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.
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| 01/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
Older American |
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Dear XXXX, On XX/XX/2021, I had my bank, First National Bank of Omaha located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX to send a international wire transfer to my sister XXXX XXXX XXXX XXXX in XXXX, XXXX in the sum of {$1000.00} ( XXXX XXXX dollars ), I paid my bank a wire fee in the amount of {$25.00}, which I have no problem with that {$25.00} fee.
However, the funds were never delivered to my sister for some odd reason my bank say with the XXXX code, but when my bank, First National Bank of Omaha put the funds back into my account, it was only in the amount of {$880.00}, which is {$110.00} less than my original amount of {$10000.00}. When I complained to my bank representative and to the president of my bank, they refused to refund me my full {$1000.00} claiming that XXXX had someway taken the missing {$110.00}, which I think is Unfair, since the funds was Never delivered to my XXXX bank in XXXX, XXXX, so no service was rendered to me to account for my missing {$110.00}.
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| 07/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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XXXX recently converted their cobranded XXXX product to FNBO. The new value prop is that card members will receive {$0.00} off the per-gallon price of gasoline at the pump. Since the conversion, I notice that it is sporadic where the discount is not given. Shortly after conversion I filled up at an XXXX station and did not receive the discount at the pump. I asked the store attendant and they didn't know what to do. I called FNBO and was told that not all XXXX stations are participating in the discount program. The advertising material does not mention that stations can opt out. Today I went to fill up at a XXXX station where I have received the discount in the past, and did not get the credit at the pump. I asked the attendant and she said the pumps need to be reprogrammed and it wouldn't happen until Friday. Tried calling in to the call center and wait times were long. In short,, FNBO is advertising this XXXX XXXX credit per gallon and is not consistently delivering on it. UDAAP ...
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| 05/03/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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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.
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| 07/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Problem getting a working replacement card
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Web |
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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
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| 06/14/2018 |
Yes |
- Checking or savings account
- Checking account
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- 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
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Web |
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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
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| 02/06/2016 |
Yes |
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Web |
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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.
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| 02/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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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.
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| 09/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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12 CFR 1026.21 Treatment of credit balances ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
First National Bank Of Omaha is liable and held accountable under CFPB regulations under 12 CFR 1026.21 to return to me as demanded in writing a full return of Credit Balance and limit payable by cashier 's check to address given and failure to do so will result in WILLFUL ILL-WILL and Federal Violation against I the original creditor and protected consumer.
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| 01/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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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!
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| 09/12/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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XX/XX/XXXX - Opened a XXXX Savings Account XX/XX/XXXX - XXXX in funding to XXXX from XXXXXXXX XXXX XX/XX/XXXX - XXXX in funding to XXXX from XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX transfer from XXXX XXXX account to XXXX declined.
XX/XX/XXXX - XXXX transfer from XXXX XXXX account to milli declined XX/XX/XXXX - Account Restricted. Unable to withdraw any funds. Receive email from XXXX support saying account restricted. They say to contact customer support through in app chat to resolve.
XX/XX/XXXX - Contact support via in app chat. They say I will get a response in 1-2 business days.
XX/XX/XXXX - Request Status Update in chat. No response.
XX/XX/XXXX - Request Status Update in email. No update.
XX/XX/XXXX - Request Status Update in chat. No response.
XX/XX/XXXX - Request Status Update in email. No update.
XX/XX/XXXX- Contact CFPB in an attempt to get access to the funds in my account as no updates are being provided by XXXX of when my account will be resolved.
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| 03/04/2017 |
Yes |
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- Incorrect information on credit report
- Account terms
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Web |
Servicemember |
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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.
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| 08/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Bounced checks or returned payments
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Web |
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I am XXXX XXXX XXXX. I was scammed via the internet to deposit checks from several individuals into my bank account at First National Bank of Omaha, send half of the deposited amount via XXXX, and was ensured I would be able to keep the other half of the money. XXXX {$500.00} checks were sent to me on XX/XX/XXXX, and I deposited them the same day. I then sent half to individuals on XXXX : XXXX XXXX - XXXX XXXX XXXX XXXX - {$240.00} XXXX XXXX - {$240.00} XXXX XXXX - {$260.00} XXXX XXXX - {$100.00} A name in XXXX characters - {$100.00} When the amounts being sent for deposit to my checking account I started to get suspicious and refused the additional checks, and told my mom what happened. We then filed a police report with XXXX Police Department in XXXX, XXXX ( RT # XXXX ). I also provided them my SSN.
I filed a report with XXXX as well as with my bank. XXXX said they would work with my bank but First National Bank of Omaha is saying there is nothing they can do.
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| 03/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/22, there was an unrecognized and unauthorized charge in the amount of {$79.00} on my FNBO business credit card from the third party merchant, XXXX XXXX. I contacted the merchant right away to report the transaction. The representative advised that I would need to request a refund from the person/ company who received the payment. I was provided instructions on how to go into the app to request the refund from the person/ company. After sending the request for refund, I immediately received a notice that the person/ company had declined the request. I advised XXXX XXXX of the matter at which time I was told that there was nothing that they could do because they are a third party merchant. They suggested that I contact my credit card company for assistance. I contacted FNBO to file a billing dispute for the fraud transaction. After a month or so of filing the dispute, I followed up with FNBO only to be told that there was nothing that they could do either.
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| 03/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
Older American, Servicemember |
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I have a BP me rewards Visa issued by First National Bank of Omaha whose rewards I cash in when I receive the bill for a statement credit and then pay the remainder in cash on the due date. Although the credit shows on my next statement as being applied along with my payment, I have been getting charged interest as if the entire monthly bill has not been paid. I have other credit cards that I do the same with and have no problem with it, as they properly apply the credit as a partial payment toward the balance and then credit the remaining amount when it is paid on the due date.
I have been unable to resolve this and have closed my account, but want others to know that they are not operating in accordance with the XXXX XXXX XXXX XXXX in crediting accounts when transactions are conducted.
The uploaded relevant portions of my previous bill showing several transactions that are actually in excess of the previous balance all paid prior to the XXXX XXXX due date.
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| 05/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I signed up for a credit card with First National Bank of Omaha. They mailed me a credit card in the mail. The credit card was stolen during shipping or at arrival ( First National Bank of Omaha is not sure or able to confirm it ). Afterwards, the credit card was activated and {$9900.00} was spent at a XXXX Body Sculpting at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. This location has a number of reviews of stolen credit cards being used here.
I never knew that the card was stolen as I was still waiting for it to arrive in the mail. First National Bank of Omaha says that I am liable for the total amount spent. They will not release any additional information to myself and are requiring me to get a subpoena in order to try and learn more.
A police report has been filed. The credits on the attached statement are PROVISIONAL credits provided by the bank to prevent interest on the charges in question. Money has not been recovered and this credits are not permanent.
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| 01/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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I am getting harassing phone calls all day long from a NO ID number from First National Bank of Omaha First bankcard credit card and I am not even 30 days late on my payment. They start harassing me as soon as I am one day late and it's all day long sometimes. With COVID I am late making payments because I am getting paid late. Thus is the second time and it's worse than the first time and I am still paying my bills. It's not like I am not paying. It's becoming a nuisance and interrupts me at work. Outside of COVID I have never been over 30 days late. There is no excuse for this harassment. I am an adult and none of the other credit cards even bother to call if I am late or miss a month. This needs to stop. It's causing my XXXX to XXXX and XXXX my XXXX even because it's pure XXXX harassment. I tried calling them and the wait time was so long I can't sit on hold and run my business. It's all too stressful. They need to wait 30 says before harassing people.
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| 04/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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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
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| 04/12/2017 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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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.
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| 06/17/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Credit decision / Underwriting
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Web |
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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.
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| 08/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I am seriously done. This is my last attempt. FNBO keeps charging my checking account more than once for my payments, I have to ask XXXX to reverse/Stop payment on the multiple withdrawals FNBO makes on my checking account.
I've brought this issue up before and no one cares. FNBO instead refused to allow me to update my checking account on the website and had to call it in. Still then, I was charged more than once for my payments.
When the reversals came in from XXXX, FNBO responded by lowering my credit line and refuses to honor the original credit line due to banking error.
These payments have been sent and I have statements from XXXX, payment of confirmations from XXXX and even CFPB complaints from the XXXX XXXX team who have confirmed receipt of funds to FNBO.
I am please, please asking for help to fix this issue once and for all.
FNBO needs to fix the glitch that is charging my ACH extra and restore my original credit line.
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| 02/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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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.
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| 10/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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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.
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| 05/13/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
Older American |
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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
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| 02/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/2023 I made an electronic payment of {$2000.00} via my XXXX app to First National Bank of Omaha which is the bank for the XXXX XXXX Credit Card.
XXXX documents show the payment cleared on XX/XX/2023, the day before payment was due.
The amount was deducted from my account. I have documentation from XXXX that the money is gone.
On my account, the payee was labeled XXXX XXXX XXXX, because that was the previous bank that managed the credit card. However, the payee address was correct for FNBO.
On XX/XX/2023, I learned FNBO never received said payment and despite my submitting documentation from XXXX showing the money did go through and they are the payee, FNBO refuses to credit this amount to my account.
Even if the payment somehow went to XXXX XXXX XXXX, it should have been returned. I also tried calling XXXX XXXX XXXX but I can't get through on the customer service line because I no longer have an account there.
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| 02/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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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
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| 10/31/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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I opened a savings account with XXXXXXXX XXXX ( an online bank that is a division of the First National Bank of Omaha ) in early XXXX and deposited {$20000.00} almost immediately.
On XX/XX/23, I received an email stating that my account had been restricted due to " activity that requires further evaluation '' and that someone would contact me. The money was transferred out of my XXXX checking account, into XXXXXXXX XXXX, on XX/XX/23. On XX/XX/23, I emailed XXXXXXXX XXXX to ask why no one had yet contacted me. I received a response on XX/XX/23 that my inquiry was being sent to the correct team. No one contacted me. I followed up on XX/XX/23, as I had yet to be contacted, again demanding that someone reach out to me about the steps needed to remove the restriction from my account. It is now XX/XX/23, and I have yet to be contacted, and my account is still restricted. I have not had access to my {$20000.00} for 48 days now.
|
| 07/07/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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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.
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| 11/04/2016 |
Yes |
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- Unsolicited issuance of credit card
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Web |
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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.
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| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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Since XXXX, 2022. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX data breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me anxiety, mental fatigue and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX XXXX credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
|
| 07/05/2023 |
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
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|
Web |
Servicemember |
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Subject : Response to Complaint Regarding Account Number XXXX Dear FNBO Thank you for reaching out to us regarding your account, with the last four digits [ XXXX ].
I acknowledge that I received our letter dated XX/XX/2023, in response to my complaint. Im dissatisfied with your decision to deny my claim based on the mentioned in the letter.
I have requested signed agreements or signed sales drafts as evidence for the charges in question. I did not make said charges and will not pay for something I did not do. I will seek legal action if these charges are not revered and credited back to my account or all documentation to determine whether I made/benefited from them.
If this is not updated and removed from my credit I will be forced to seek legal counsel as this is harming my credit. I look forward to either charges being reversed or copies of all sales drafts that arent credited back.
Sincerely, XXXX XXXX
|
| 09/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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|
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
|
|
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.
|
| 01/20/2023 |
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
|
|
Web |
Servicemember |
|
Score Decrease Your XXXX Score has decreased by XXXX points.
XX/XX/2023 Bank XXXX Credit Card Inquiry FNB OMAHA got a copy of your XXXX Credit Report.
XX/XX/2023 They sent me a Pre-Qualification then denied me. I told them on the returned application they sent me that for denying me after sending me a pre-qual that you had better not have done a HARD pull and my score best not go down. Well both did, the score went down and theres a hard pull that will be there for 2 years. This needs to come off of my credit report. They have denied me with there own PRE Qual. I would have never applied if I had known they were going to XXXX XXXX XXXX. This was the 2nd time they had done this to me. I only apply to pre-quailfied credit cards and never have a problem. My score was XXXX before they dropped me down and put a HARD PULL that will be there for 2 years after getting denied ... .THATS WRONG! please help thanks
|
| 06/14/2022 |
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
|
|
Web |
Older American |
|
FNB OMAHA, checked my credit with XXXX credit without my permission. I never ask them to check my credit. They used my information for someone else. I never tried to get credit from this company, my credit was checked on XX/XX/2021. They did not have my permission to check my credit. I never gave them my permission. If they would have checked they would have seen that there was a block/freeze on my credit report. They would have had to call me to get my consent to check my credit. There is a statement on my credit report that states to call me before they check my credit. I never got any phone call nor did they contact me by e-mail or mail.
This is identity theft. I never ask them for any credit. They disobeyed the law by checking my credit without my consent. This is not the law when there is a statement on my credit report to call me before they check my credit.
No phone call ever came. Identity theft.
|
| 09/18/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
on XXXX a charge was made to my visa card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - this was a fraudulent charge and not from my XXXX account XXXX XXXX claims that when they submitted the charge they provided FNBO Visa with the details of the transaction ( such as the XXXX account and email ) - FNBO claims to not have those details and authorized the charge anyway - FNBO will not provide the information for XXXX to pursue the fraud and without that information, XXXX can not remove the charge from the account - FNBO will not dispute the charge and will not work with XXXX to resolve the issue. FNBO has forced me to close the account and open a new account before they will investigate the fraudulent transaction, which in turn disrupts my ability to autopay several associated accounts ( such as car insurance, auto insurance, internet services, streaming services, food delivery services, cable TV services )
|
| 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
|
|
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}.
|
| 06/12/2023 |
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
|
|
Web |
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|
On XX/XX/2023I received aletter advising me that my credit limit was lowered from {$6300.00} to {$1000.00}. I called FNBO and was told that it was decreased due to a late payment ( due on XX/XX/XXXX ) and also due to my credit rating. FNBO acquired the account from XXXX XXXX XXXX approximately 6 months ago. It was difficult making payments after being sole because the phone number was incorrect, however I had never been late. FNBO decreased my credit limit without justification as I also did not give permission to run my credit report and I was not applying for a new card. I believe this happened because the back did not wish to honor the credit limit that was previously authorized by XXXX XXXX XXXX. I believe this company intentionally decreased credit limits so that it could avoid honoring the credit limits. I had not used the card for over two years and was paying off the balance which is {$450.00}
|
| 10/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
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
|
|
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
|
|
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
|
|
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 |
|
|
|
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.
|
| 01/07/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Per this card 's benefits, I should get a {$200.00} credit after spending {$6000.00} each calendar year. Despite doing this, I have not gotten this credit due to misleading advertising that I would get the benefit for " spending '' that much, not " posting '' that much on the credit card. I made a charge of {$1000.00} on XX/XX/XXXX ( I have a timestamped email to prove it ) to reach {$6000.00} for the year and every charge on this account takes one business day to post. Despite the charge on the account initially having this purchase date, the company deliberately changed it to XX/XX/XXXX and shifted the post date to XX/XX/XXXX in order to deny me the {$200.00} credit. Thorough the year no other charge had this mysterious behavior until the end of the year. How strange! I wonder why that would happen! This is on top of being misleading in the first place on their website about the benefit.
|
| 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
|
|
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.
|
| 10/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I tried to send money to my mom in XXXX using XXXX. I accidentally connected my FNBO direct account to the XXXX XXXX account on the FNBO XXXX website. FNBO directly held my account and told me to reach out to the company. I did call 5 times. The customer care agents just emailed the Fraud department requesting the information and reaching out to me for more information. but no one contacted me. I finally talked to a customer care agent named XXXX who reached out to the Fraud department. he said the investigation would take 1-2 months and I have no access to my money in the accounts. The process of investigation is not able to disclose and I will receive a check after the investigation. I did not know if this was a typical procedure to hold my money for XXXX months for just the simple mistake I made on the website. I would like to ask if you tell FNBO direct to speed up the investigation.
|
| 05/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
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
|
|
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
|
|
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
|
| 04/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I am sick of writing these complaints!
I contact XXXX almost every month, I set up auto pay and they continue to decline the payments and remove the auto pay action off my account. It then makes me late and get charged a late fee which they make me responsible for and lower my credit line because their algorithm thinks I can't make payments. I AM SO UPSET!!
This has happened far too often and am getting angry, I am currently working with XXXX XXXX and XXXX XXXX at our local newsroom and am creating a story regarding the false reality FNBO is setting for its consumers.
You guys are scamming me with late fees, reducing down my credit line and pretending I don't have auto pay setup when I've set it up 4 times and have bank statements showing I've submitted payments.
XXXX XXXX XXXX XXXX XXXX has provided " Proof of Payments '' I've sent to XXXX who's claiming THEY NEVER GOT PAID!!!
|
| 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
|
|
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
|
|
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.
|
| 08/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
On XX/XX/XXXX I sent a {$34000.00} check to XXXX XXXX, my daughter in law. She endorsed the check over to her investment account at XXXX and mailed it. The endorsement on the check was covered with " white out '' and fraudulently endorsed over to an XXXX account in a different name on XX/XX/XXXX. The money was paid out by FNB Omaha XXXX. We have reported this theft to XXXX ( our bank ), the USPS, and the XXXX XXXX XXXXXXXX has told us that we have submitted all the required information and documentation.
XXXX has been working on this and has been in communication with the Bank of Omaha in an effort to recover the {$34000.00}. They tell me that the Bank of Omaha has been unresponsive. It have been over 6 months!!!
XXXX XXXX XXXX XXXX Executive Client Relations, has been working on this case. Her phone number is ( XXXX ) XXXX. For reference, my XXXX checking account number is XXXX.
|
| 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
|
|
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
|
|
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
|
| 07/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
CFPB Case Number : XXXX Dear XXXX XXXX XXXX
Thanks for your response to my inquiry.
XXXX, please provide the following Signed agreement that I gave FNBO my lawful authority to furnish my information to the credit bureaus. If you are NOT able to provide proof, this is a violation of the Gramm Leach Bililey Financial protection Act ( 15 USC 6801 ) The penalty for this violation is up to 20 years in jail. And a hefty fine.
Signed agreement that FNBO gave me the opportunity to opt of credit reporting.. If you are NOT able to provide proof, this is a violation of the Gramm Leach Bililey Financial protection Act ( 15 USC 6802 ) The penalty for this violation is up to 20 years in jail. And a hefty fine.
The notice that was sent to me regarding FCRA 623 ( a ) ( 7 ) ( G ) ( i ), notice either before you furnish the negative information or within 30 days of furnishing it Regards XXXX XXXX
|
| 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
|
|
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
|
|
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
|
|
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
|
|
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 |
|
|
|
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
|
|
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
|
|
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.
|
| 02/06/2023 |
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
|
|
Web |
|
|
While I was in XXXX, my XXXX credit card was used fraudulently. When I came back to the XXXX on XX/XX/2022, I realized the charges and reported the transactions to the bank. Recently I received a letter saying that they have proof from the merchants that I made the purchases. When I called about this proof, they told me that there is no proof, but the charges are constant with where I usually use the card. They even told me that they didn't contact the merchants. I am in XXXX now, and I was in XXXX during the transactions. I can prove to you that I didn't make the purchases, but the investigator makes assumptions, and even not contacting the merchants is not good, nor ethical. The bank or the XXXXnvestigator is biased and XXXX me without getting any evidence or doing a proper investigation. Again, I can send you proof but you do not have any proofs to XXXX me.
|
| 05/29/2015 |
Yes |
|
|
|
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
|
|
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
|
|
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.
|
| 09/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I paid my balance in full by the due date of XX/XX/XXXXXXXX and I was still charged interest on my credit card in the amount of {$38.00}. In my many years of having several different credit cards, I have never had a situation like this where I paid the balance in full by the due date and then I was charged interest. Every time I have paid my balance in full by the due date, I was never charged interest. This is disappointing. I called on XX/XX/XXXX to speak with customer service to get the interest charged removed and I was told they couldn't waive the fee because it was valid. I have had this credit card for such a long time and always paid on time and never had any issues until now. The customer service representative couldn't even give me a concrete answer as to why I was charged interest even though the balance was paid in FULL by the DUE DATE.
|
| 12/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
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.
|
| 04/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
FNBO CLOSED MY ACCOUNT ON XX/XX/XXXX WITHOUT NOTICE AND THE BANK FILED A CHARGE BACK ON ALL MY XXXX PURCHASES CAUSING ME PROBLEMS WITH XXXX AND MY XXXX XXXX ACCOUNT. BECAUSE THE BANK TOOK IT UPON THEMSELVES TO CLOSE MY ACCOUNT AND CHARGE BACK THE XXXX PURCHASES, MY XXXX ID WAS DISABLED AND CAUSED MONETARY DAMAGES TO MY ONE OF MY SOCIAL MEDIA PLATFORMS. HOWEVER, THE CHARGES WERE VALID AND MADE BY ME. SINCE THE BANK THINKS THEY KNOW IT ALL AND PULLED A SHADY, SNEAKY, UNDERHANDED STUNT, I WILL NOT BE SUBMITTING PAYMENT FOR THE XXXX CHARGES THAT THEY CAUSED DAMAGES TO ME BY DOING THIS ILLEGAL ACT. I WILL ONLY BE REMITTING PAYMENT FOR THE NON XXXX CHARGES.
THIS BANK DEFINITELY NEEDS TO BE INVESTIGATED FOR ILLEGAL PRACTICES. THE BANK DID SOMETHING SIMILAR TO ME BACK IN XXXX XXXX. THEY OPENED AN ACCOUNT FOR ME BACK THEN AND THEN CLOSED IT A WEEK LATER.
|
| 10/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I wanted to open a savings account with XXXX XXXX they only have an app for interface, no branch or web access. I downloaded the app, filled out the info then they said I was denied because they couldn't verify me. I've lived in the same house for over XXXX, which I own. I dont see how they couldn't verify me. I checked my credit report, no suspicious activity, I have a good score, over XXXX. I contacted them to ask why, they refused to answer, just provided the same copy/paste answer the app gave me. feels like discrimination, otherwise why would they try to hide the reasons? if there are discrepancies with my personal information they are verifying I have a right to know so I can have it corrected. I'm not a criminal and that exactly how I feel I'm being treated, its not right. don't they have to provide an " adverse action '' report for me?
|
| 11/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Today ( XX/XX/XXXX ) i attempted to use my card and it was declined. The server at the restaurant tried to use it XXXX and it kept declining. I paid with cash and called the bank ( FIRST NATIONAL BANK OF OMAHA ).
I immediately called the bank the same day ( XX/XX/XXXX ) once we left the restaurant at XXXX XXXX XXXX @ XXXX After i called the bank, the representative notified XX/XX/XXXX that my credit card account was closed due to HIGH RISK.
I have held this account for XXXX years, with not one late payment ever, not to mention on any of my credit cards/bills EVER. My credit is FLAWLESS.
My family income combined is over $ XXXX, and we own multiple properties worth over {$1.00} XXXX each. I HAVE NO IDEA what is so HIGH RISK about me or my account? Is it because of where I live, is it because of my race/culture? I was given no explanation.
|
| 10/27/2016 |
Yes |
|
|
|
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.
|
| 07/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Servicemember |
|
I received my statement from " First National Bank of Omaha '' for my " XXXX '' credit card stating my balance was {$4700.00}, and the payment was due by XX/XX/XXXX. I used my bank payment systems that delivered the payment in full of {$4700.00} on XX/XX/XXXX, and FNBO credit my account for the payment on XX/XX/XXXX. ( 1 week before the due date ) I then received a statement for XXXX stating I still owed {$46.00} for interest from XX/XX/XXXX to be paid by XX/XX/XXXX. I didn't have a balance on XX/XX/XXXX. I called FNBO customer care, and they stated this was interest backdated 30 days from the balance due date. I told them I believe that is illegal, and I paid off the balance of the statement by the due date, and their response was " that's the way it goes '' ...
I have each statement I can forward if you would like them.
Thanks, XXXX
|
| 01/05/2024 |
Yes |
- Mortgage
- Other type of mortgage
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
XXXX XXXX XXXX a debt collection company is stating that I owe a debt to Ameri XXXX XXXXXXXX XXXX XXXX XXXX states they are the mortgage servicer for the company Ameri XXXX XXXX. The issue is I can not find any information about this company, Ameri XXXX XXXX, that I allegedly owe this debt. On my credit report, the creditor line is blank as is the line that states to whom the company, Amerifirst was sold. I am concerned that Ameri XXXX XXXX is a XXXX company. I would like proof that I owe this debt to Ameri XXXX XXXX and that XXXX XXXX XXXX has the legal right to collect this alleged debt. I am disputing that XXXX XXXX XXXX has the right to attempt to collect this debt that I allegedly owe to Ameri XXXX XXXX. Additionally, Amerifirst Home Improvement filed for bankruptcy and surrendered their license to do business in New York State.
|
| 07/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
We have a mortgage with FNBO in XXXX XXXX, IL. The loan was through XXXX FNBO. XXXX is now holding the loan.
We have not been able to access our loan for a year, online and do not get proper statements without calling to request them, and then it takes 3 weeks for the letter to get to us. FNBO say that we do not have a mortgage with them. XXXX tells us they can not fix the tech problem and tells us to contact FNBO. It has been a complete run-around and we have spoken to no less than 40 people about the issue. The issue is not resolved and we can not see our mortgage at all, the escrow amounts, or our principal payments. We don't even know what we owe at this point. We need this cleared up, asap, please.
We've had the loan for over 2 years and originally set it up for automatic payments. They are still taking our money every month.
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Subject : Urgent Request for Investigation of Closed Account from Credit Report I am writing to bring to your attention a concerning issue regarding my closed account with XXXX , with the account number starting as XXXX. The account has been closed down due to fraudulent activities, and I have noticed inaccurate information on my credit report, including late payments and a balance, contrary to the terms outlined in 15 USC 1666b and 15 USC 1692 ( b ), as well as the protections provided by the Cares Act.
I kindly request your assistance in investigating this matter and ensuring the prompt removal of the inaccurate information from my credit report. I believe this is essential for maintaining the integrity of my credit history.
Thank you for your prompt attention to this matter. I look forward to a swift resolution.
XXXX XXXX
|
| 03/22/2023 |
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
|
|
Web |
Older American |
|
Since XX/XX/2022 I have submitted a dispute with my credit card for services paid with, services from merchant were bad, I can not get agreement with merchant So I did my dispute with my credit card however dispute department failed to contact that merchant Not even try to dispute my charge, breached our contract/ agreement Credit card failed to answer calls, emails, poor costumer services, and failed to make any investigation or contact merchant, moreover is seeking collecting money over disputed not yet investigated Credit card is sending me letters to send my dispute case to credit reports agencies when my credit card is on good standing never paid late, overriding my rights as consumer and lying about my credit reports when my account is not even yet on collections and I always paid it on time Breach of credit card agreement
|
| 11/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
I am retired fully on Social Security as my sole source of income. My deposit day with First National Bank of Omaha ( FNBO ) is the XXXX of the month. My funds ARE NOT in my account.
I called into FNBO @ XXXXXXXX XXXX CDT as instructed by FNBO. I was told by their employee, XXXX, that the funds were in. They were not showing up in my online access to my account ( checking ). He transferred me to a Manager on Duty named, XXXX. XXXX instructed me to call Social Security Admn to obtain the FEDERAL TRACER ID # which I did. Social Security Admn informed me that the deposit advice had been sent to FNBO. I called FNBO back with the Federal Reserve Tracer ID #. FNBO informed me they lost my deposit. FNBO has no answers for me my rent is due ; I can not buy my prescription medication ; I can not pay some other mandatory bills as well.
|
| 11/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Received email XX/XX/XXXX stating that " You recently added the account ( s ) : XXXX XXXXXXXX XXXX Checking XXXX account '' with instructions to log on to FNBO Direct at a specific URL and Activate the external account in this " FNBO Funds Transfer '' service.
This was my only alert or notification that something was wrong, and I do subscribe to XXXX for credit monitoring.
I called FBNO Direct today XX/XX/XXXX XXXX XXXX XXXX, and spoke to a woman who confirmed that the person initiating this fraudulent transaction has my name, email, social security number, address, and date of birth, and that I should report the fraud on ftc.gov, which led me here.
There is nothing else that the government can or will do to help me, or to stop this type of thing from happening. I am not reassured at all. You can't even protect my SSN.
|
| 12/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
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
|
|
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.
|
| 12/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Dear Sir/Madam, I am writing to file a complaint against the issuer of the XXXX XXXX XXXXXXXX XXXX for misleading advertising and failure to honor a promotional bonus offer.
I applied for this card influenced by an offer stating, " Earn XXXX bonus points after spending {$1000.00} within the first XXXX billing cycles. '' ( XXXX XXXX XXXX XXXX After fulfilling this condition and spending {$1000.00}, I was denied the bonus points. The issuer excluded the {$99.00} annual fee from the qualifying spend, a detail not disclosed in the advertisement or the card agreement.
This omission, I believe, constitutes deceptive advertising, leading consumers to make decisions based on incomplete information. My attempts to contact them and resolve this with the issuer have been unsuccessful.
Thank you for your attention to this matter.
|
| 10/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In relation to a previous complaint about XXXX and their inaccurate 60 day late payment. My credit card company FNBO saw that 60 day late payment across XXXX different loans and my score dropping 80 plus points and slashed my credit card limit {$9000.00}. And this happened last Monday XX/XX/XXXX.
I have called into their contact center and had it escalated to a Supervisor XXXX. Who advised me after explaining the situation that there was nothing that could be done and that I would have to wait 4 months to re apply for a credit limit increase.
I also emailed their executive team as well. I received a follow up call the next day and that person reiterated the same sentiments as the supervisor. They took nothing into account about my plight and how the inaccurate reporting was to blame for my score dropping over 80 points.
|
| 07/05/2023 |
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
|
|
Web |
|
|
Received Email credit card promotion from FNBO Bank on XX/XX/23. Email advised to click " activate now '' in order to accept/activate offer. Link was invalid. Logged directly into FNBO account to attempt acceptance. No such option existed. Contacted customer service and they acknowledged the problem and would get back to me. No response. Called again on XX/XX/XXXX and again was advised " we are aware of the problem '' and will have to manually add this promo onto your account. We will contact you. No response. Contacted FNBO customer service again around XX/XX/XXXX and spoke with a manger. He left me a vague message and then never returned any further calls. The message again was to click on the link to activation. The email link for this promotion has never worked so there was not any way for me to activate such offer.
|
| 12/06/2023 |
Yes |
- Credit 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
|
|
Web |
Older American |
|
I previously disputed a credit card bill from FNBO credit card issued to my now deceased husband, and file a CFPB complaint XXXX. FNBO response references a XXXX XXXX XXXXXXXX Credit Card Account, and refers to a letter dated XXXX XXXX, 2023 which states " A third party verification service reviewed the application and provided us with information indicating you completed the application ''.
I have requested clarification regarding the XXXX XXXX XXXXXXXX Credit Card Account and copies of the third party verification and the application reference. I further asked for clarification of the distinction between joint ownership and primary cardholder As I explained my now deceased husband applied for the FNBO Credit card before we were married. I never applied to be included on the account and I never used the Credit card.
|
| 11/01/2016 |
Yes |
- Bank account or service
- Savings account
|
- Problems caused by my funds being low
|
|
Web |
|
|
In response to CFPB Complaint Case number : XXXX Thank you for your response to CFPB Complaint Case number XXXX. However, I am not satisfied with your response. XXXX acknowledged that they engaged in XXXX actions that I consider unfair and predatory. First, XXXX switched the order of ACH transfers that resulted in XXXX charging XXXX Returned Item Fees instead of XXXX. Second, FNBO re-submitted these transfers, without my consent, and after I had already attempted to rectify the issue, resulting in XXXX being able to charge XXXX Returned Item fees instead of XXXX. Despite this, XXXX did not offer to waive XXXX additional XXXX XXXX fee as requested. As a result, I am filing a new complaint with the CFPB and will continue to keep doing so until at least XXXX of the remaining XXXX XXXX XXXX fees on my account is refunded.
|
| 03/14/2023 |
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
|
|
Web |
|
|
I received a promotion from my credit card stating if I used their checks I would get a 6.99 % XXXX in bold. So I used the checks on 2 purchases on XX/XX/27 instead of using my card. I then noticed yesterday when the checks posted on my account they charged me a large transfer fee to use them. I contacted the company and they said its in fine print they would charge a fee. Everything else was in bold but that.
I said I would pay the total in full immediately if they reversed the fee and they said the only way they would do that is if I went to the retailers bank and got the check back. They wouldnt explain how I could do that and the banks say there is no such thing. Their advertising is VERY misleading as I would have just used my card itself or paid cash. Why would I have used them if I was going to be charged.
|
| 03/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
First National Bank of Omaha XXXX credit balance I lost my wallet in XX/XX/2018. I notified First National Bank who ternimated that card number. I failed to contact them within the next billing cycle to reissue a new card, and the account was automatically closed. I understand why it was closed, however the {$160.00} credit balance was not automatically returned to me. I understand they have five months to return a credit, but that should only be on a current account. By not automatically returning my credit upon closing the account, I believe they are acting fraudulently by keeping the money for 5 months, as there was no way for me to use it. Also, I continuing getting statements that show I have a XXXX dollar credit limit, and there is no indication on those statements that it is closed. That is very misleading.
|
| 12/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
XXXX XXXX XXXX XXXX I got my XX/XX/XXXX statement of total {$300.00} ( with a {$28.00} late fee and {$5.00} interest charge ). first, i setup scheduled payment before due date and i never been late on this card payment since i owned it from XXXX. I paid my balance in full for the XX/XX/XXXX, and from the statement of XXXX transactions ( i only made a total purchases at XXXX XXXX XXXX of {$130.00} ) ; it seems XXXX XXXX XXXX my {$130.00} twice ( XXXX + XXXX late fee + XXXX interest = {$300.00} ). I called XXXX XXXX, they readily accepted it is their fault and will correct the statement.
BUT, what if I didn't notice, WHAT ABOUT PEOPLE WHO DON'T NOTICE???
They didn't give me a reason for this error.
Just want to warning other consumers to check your monthly statements, it could get muddy for XXXX XXXX or XXXX
|
| 05/30/2018 |
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
|
|
Web |
Older American, Servicemember |
|
hi!
THIS CREDIT CARD COMPANY DID NOT SEND OUT THE FIRST BILL, ARE WAS STOLEN AT XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, IN WHICH THE CLERK STATED THAT SHE HAD 5 KEYS TO THE MAIL BOX! WHEN I GOT THE BILL FROM XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, IT WAS THE SECOND BILL AND OVER THE CREDIT LIMIT BALANCE BY ABOUT {$280.00}. THEREFORE THERE WAS OVER {$1000.00}. DOLLARS OF FRAUD ON IT! THE XXXX COMPANY WOULD NOT RELEASE THE FIRST MONTH BILL UNTIL THEY FOUND OUT MY BANK AND WHAT I OWNED! PROBABLY ATTEMPTED IDENITY THEFT. I PAID DOWN WHAT I THOUGHT THAT I OWED, FOR ONE MONTH USE! THEIR BALANCE KEPT CHANGING ALL THE TIME, JUST LIKE THEIR STATEMENT BILLS!
NOTHING BUT BLATANT FRAUD ON THIER PART, AND GOING THROUGH MY PERSONAL PROPERTY AT WILL WITH XXXX 'S, ARE FALSE PROPHETS, HELP!
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| 10/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Older American |
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I have filed three previous complaints to get my First National Bankof Omaha Credit card account reopened. Again, I was never told I could not reopen my account after bringing it current, which it has been for some months.
I encountered this same scenario with another credit card company and they did the right thing and reopened my account once I brought it current.
I was given the option to reapply for a credit card but was turned down for economic reasons caused by the pandemic. That leaves my no alternative.
Because FNBO has offered no viable resolution re the righteous use of my credit, this causes by unfair duress, I can no longer continue to make payment.
I will fight any arttempt to charge off this account and will fight this with all means possible.
It is up to FNBO to find some reasonable solution.
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| 04/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I received a notice from another credit card company this morning who gets their information from XXXX and the alert was that my credit card with First National Bank of Omaha was closed due to inactivity. First of all, the company has not issued me a letter stating they closed my credit card on me, secondly, I have been a customer of theirs since 2016 and have never missed a payment or have been late. Third, I called the company and I was advised that theres nothing they can do that I would have to reapply. Lastly, I was saving this credit card to use on an upcoming trip. In the meantime, I was trying to pay down the balance. Apparently in the United States credit card companies dont want you to use cash. They want you to use credit cards with high interest rates or else you get penalized like in this situation.
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| 09/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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Fmb Omaha bought out the bank that my credit card was with, which I had set up with auto pay. I had never been late in paying the card because the auto payments came out of my checking account each month. I received no notification that my auto payments would stop after the buyout. I then received a call that my account was past due and immediately paid the past due amount but the delinquent remark had already posted to my credit report. I called the bank to ask that the remark be removed, since it was not my fault that the auto pay stopped with no notification, but was told there was nothing they could do about that. It is now affecting my credit score drastically. I am asking that the delinquent remark be removed as I immediately made the payment once I was notified that the auto payment did not go through
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| 02/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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My account with XXXX XXXX was closed XX/XX/XXXX due to insufficient number of points and I just received the letter today, XX/XX/XXXX. The account at the time of closing was in good standing and still had an open credit limit. I called the company to ask why and was told that they have the option to close an account at anytime even if it is in good standing based on a credit review. My concern is that there was no prior warning of being in any danger of having the account closed. The payments were made monthly and I was not in default. Had I been out of my home area with only this card to use, this could have been an issue. To my knowledge, there was still credit available and I could have been stranded with a declined card. Im also concerned as to why this letter dated XX/XX/XXXX is just reaching me now.
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| 05/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I XXXX XXXX XXXX am a consumer of the United States and i never gave XXXX nor XXXX XXXX ( partial account # XXXX ) and XXXX ( partial account # XXXX ) permission nor the right to report on my consumer report. The fact that these accounts are reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681a ( 2 ) ( i ). These accounts and XXXX are harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it hard for me to purchase a home for me and my children in these hard times with the pandemic going on. Attached to this complaint is proof of these companies reporting on my consumer report along with late payments, XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.
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| 02/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
Older American |
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I received a letter dated XXXX XXXX that FIRSTBANKCARD WAS CLOSING MY ACCOUNT and that I no longer be able to utilize my credit line and was advised to destroy all cards related to this account. I called the company upn receipt and of course they refered me back to the letter to get an explanation. from what I gather my credit score has went down so they determine I was not worthy of their card anymore. I have been a customer since XXXX XXXX ( 5years,11 months ) never had a late payment which I have provided proof in this complaint, and for them to close my account and damage my credit with a CLOSED Account For whatever reason is unacceptable and unreasonable. not only does it lower my credit score it damages my rating and future attempts to apply for any credit with that CLOSED status on my credit file
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| 03/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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Web |
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On XXXX XXXX, 2023 I purchased a lottery ticket online from The Michigan XXXX for {$6.00}. When my statement arrived, I noticed I was charged an extra {$15.00} for this transaction. When I contacted the bank regarding this charge on XXXX.23, I was told that any purchase of lottery tickets incurred an extra {$15.00} charge because it was considered a cash advance or some type of nonsense. And even though I have been a XXXXFNBO Visa customer for years and years, my complaint was disrespectfully dismissed with no thought or consideration.
There is no reason for this outrageous charge. First National Bank of Omaha has assets of {$17.00} billion and revenues of {$500.00} million. XXXX XXXX had profits of {$28.00} billion. Neither of these corporations need my {$15.00}. This charge is blatantly ridiculous.
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| 07/23/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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1ST NATIONAL BANK OF OMAHA XXXX XXXX XXXX XXXX, NE XXXX Re : Unauthorized Credit Inquiry Dear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing on XXXX XXXX, 2014. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue.
Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this.
Thanking you in advance, XXXX XXXX XXXX, XXXX
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| 09/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
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Web |
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Banks Chose to not Verify XXXX XXXX and XXXX XXXX XXXX the Bank refuse to verify any class of people they dont like the Banks Violate Fedral and State Laws and International Laws when Bank make zero effort to verify people that are not easely Verifiable excluding Clases of XXXX XXXX and XXXX XXXX XXXX .....
I have a XXXX Credit Score there 100 % no Valid Reason the bank cant Verify me, The Bank Should request a Coppy of my ID and Utility Bills I Tried to Open a High Intrest Savings acount with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and nobody can verify me.
The Banks Can Only Verify People that own Houses and Have Steady Jobs.
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 XXXX XXXX
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| 12/02/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I had an account there in which i accessed in XXXX. They allowed a man named XXXX XXXX to not only steal XXXX XXXX dollars out of the account but transfer this account to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX holds the account at their institution in a trust. The XXXX could of very well changed the TIN ON THE ACCT by now however the tax if number was under my daughters due to fraudulent activity by XXXX in regard to me. The account I believe was transferred to XXXX XXXX XXXX XXXX as early as in XXXX. First National is not showing any records other than a savings acct under my daughters social. They also deleted the transfer records and record of the account under this persons guudance. XXXX XXXX requires a medallion signature of several levels attained by XXXX XXXX at First National Bank of Omaha.
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| 09/11/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2023 opened a XXXX XXXX Account and initiated a deposit for XXXX into the account. The next day I received an email saying they did a review and there is suspicious activity and that my account would be in restricted mode. The same day I ask them how I can resolve the issue. They write back that they need to investigate. I repeatedly write to them asking for updates getting stonewalled being told that they don't have a timeline. In that time I have XXXX access to my funds and feel ignored. Its been close to XXXX weeks and have XXXX access to the money and they just keep repeating the same line, that they can't tell when they'll remove the restriction and they did stop answering my emails asking incredibly basic questions like when will this get resolved, or for any updates on the matter.
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| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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The FNB Omaha and XXXX XXXX accounts do not report the history of credit limits for the accounts. Please report the history of the credit limit for the FNB Omaha and XXXX XXXX accounts in the same manner that XXXX is reporting the history of credit limits foXXXX XXXX XXXX and FNB Omaha. My credit score with XXXX increased by XXXX points following its insertion of the complete credit limit history. XXXX XXXX is also reporting the complete credit limit history for the XXXX XXXX account. Please report my complete credit limit history for these two accounts so any observer of my report can see the credit limit for the FNB Omaha account was {$17000.00} in XXXX 2022 and reduced to {$8700.00} in XXXX 2022 and the XXXXXXXX XXXX account and {$9000.00} in XXXX 2022 and reduced to {$5000.00} in XX/XX/2022.
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| 05/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
Older American |
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FNBO has been in the process of updating software for many months ( 6+ ). Two different web pages and one account can be accessed on line. Information on one page does not get translated to portray accurate info on " new '' software page. Payments are limited and current XXXX scores are not avaible on " new '' software page. Balance tranfers are held up or denied on " new '' software web page.
Today, XXXX, 2023 I found out balance transfer scheduled on XX/XX/2023 was denied. Payment I had scheduled on XX/XX/2023 was denied.
FNBO uses the excuse : " credit card is locked ''. However that must be a new rule because there have been many times in last two years when my payments have been processed and card was locked.
I have been doing business with FNBO 15 + years.
XXXX credit score over XXXX.
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| 09/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I contacted the company, first national Bank of Omaha ( fnbo ). I kept getting transferred to departments where I could leave a voice message that was never returned ... departments where the phone rang without answer or rang about 3 times and disconnected. I tried for 5 years at least to get a full statement. My debt was transferred to a debt collector and finally received 2 statements within a short period of time. They were to small to really be legible. These statements were sent based on a voice mail I left. I wrote a letter of insolvency and was immediately sued. To date, I have called this debt collector about 5 times in the last 2 years and there has been return call. I am being bullied and harassed. My mental health is not great and I am suffering over this situation to say the least.
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| 07/26/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
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- Problem with customer service
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Web |
Older American |
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XX/XX/XXXX received a letter from First National Bank of Omaha stating they have unclaimed property in my mothers name in the amount of XXXX. I have until XXXX XXXX to respond. I called on XX/XX/XXXX and had to leave a voicemail for Mr. XXXX XXXX to call me back. I received NO RESPONSE so I called again on XX/XX/XXXX and left Mr. XXXX my name and phone number again. I also tried the cell phone number he gave me. The people at the cell phone number I received from Mr. XXXX have never heard of hime and had no idea who he was. Third phone call placed XX/XX/XXXX. The cell phone number that appears to be wrong was given to me by Mr. XXXX own message in what must be his own voice. That gives me pause and the reason for this complaint. Please help or steer me to the correct people who can. Thank you.
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| 10/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have an account with the creditor. I was NEVER contacted to say my account was closed! They just closed it without my knowledge. I called to make a payment and then I was told it was closed. So I didn't pay anything. I had XXXX XXXX!! I called to tell them. How could i pay ANYTHING when im having XXXX. They could have been understanding!! What if this happened to them. Always try put yourself in the other person 's shoes to see how they feel. I have credit cards and NO ONE just closed my acct without me knowing! This was very unprofessional and not fair!! I need my acct open! I will pay it!! It just needs to be opened because I didnt not request for it to be closed! I had XXXX! Be fair to me who had to undergo XXXX! I'm not thinking about a bill on the XXXX XXXX! You have to understand that
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| 11/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
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I opened a credit card with First National Bank of Omaha, which is exclusively affiliated with XXXX to offer XXXX reward travel. This Credit card charges {$99.00} annual membership fee. During the year XXXX - XXXX, on several prolonged occasions, XXXX has stopped providing services between XXXX XXXX where I reside and the rest of the country. As a result of no service for many months I have been unable to utilize my rewards to book tickets for XXXX services as I had previously planned and for the days I had planned for. I requested First National Bank of Omaha, on several occasions, to refund the membership fee and to close my credit account as I am unable to utilize award program as advertised. First National Bank of Omaha has refused to refund the membership fee but closed the account.
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| 12/28/2022 |
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
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|
Web |
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XXXX XXXX XXXX To : XXXX Cc : XXXX Wed, XX/XX/XXXX at XXXX XXXX I have been trying to get a credit for a charge of {$350.00} and exp said they credited me to act XXXX. Well, the new credit card co did not post it to my new account number # XXXX so there is a credit I should have that is in limbo somewhere. I need someone to look into this as it has been 3 months of trying to resolve and no one is helping at XXXX. The note below is from the co-eXp that is showing the refund.
I have also called them numerous times to the bank and on hold for an extended time.
Hi XXXX, The refund for XXXX {$350.00} was refunded to you on XX/XX/26. Please see the image below. The card that was refunded ended in XXXX. Thank you XXXX -- XXXX XXXX XXXX Billing Sr. Team Lead Account Solution XXXX XXXX XXXX
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| 02/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
|
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I received a phone call from FIRST NATIONAL BANK OF OMAHA claiming that a credit agency reported that my card was blocked.
Subsequently FIRST NATIONAL BANK OF OMAHA closed my account.
They told me if I fixed the credit report they would re-instate the account. However after all the fixing they left the account closed a refused to work with me.
They insisted that I re-apply for a new account. I did and as of today I received a notice it was not approved.
The bank keeps telling me a mgr will call me to help correct this matter and I have never in over 3 weeks received a single call, email or letter.
Only the original phone call until today I got an email after I checked the portal and found out the application was declined, I got an email saying to check the portal for the status.
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| 03/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was contacted by XXXX XXXX XXXX ( XXXX XXXX and XXXX XXXX ) XXXX for a debt owed to XXXX XXXX. They threatened to sue me, but would not confirm the last four of the account number, the amount owed, or provide a debt validation letter. They said they are absolutely unable to send me anything regarding this debt. The issue is that I have paid this debt, and was attempting to verify it was the same one. I only ever had one XXXX XXXX Card. I have contacted the original attorney that had the collection. I received a paid in full letter with the last four of the account number on it. XXXX XXXX XXXX would not confirm the account number. They would not provide a debt validation letter. They would in no way attempt to verify the amount paid. They would not give me anyone else to speak to.
|
| 10/01/2023 |
Yes |
- Credit 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
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|
Web |
Older American, Servicemember |
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My First National Bank XXXX card was lost or stolen on or about XX/XX/2023. I reported this the following day to the company & later identified XXXX transactions charged to my credit card account that I did not make. However, the company has removed only XXXX of these charges & has failed to provide me an explanation as to why the others have not been removed from my account. Moreover, the company 's fraud investigator in a letter to me dated XX/XX/XXXX concurred with me that all XXXX charges were fraudulent & stated to me over the phone that the company management had decided not to remove the other fraudulent charges from my account, The basis for this decision has not been shared with me. I do not understand why this company is trying to make me pay for these fraudulent charges.
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| 04/24/2021 |
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
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|
Web |
Older American |
|
A usps package showed up at my house that I did not order so I refused delivery. I also found a charge on my debit card for {$100.00} I emailed the merchant and they claimed they never received the package. I showed them the USPS tracking that showed I refused it and they still will not return my money to my debit card. I showed all this to TCF and they claimed I did not return it to the merchant within 30 days. After I proved to them that I did they changed their story to it has nothing to do with TCF even though TCF is the one that released the {$100.00} from my account without my permission.
TCF reply letter to me says I am entitled to review documents used to make this decision. I called TCF at XXXX and asked for documentation used to make their decision and they had none.
|
| 10/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
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They refuse to process any of my applications either secured or not secures I want to build a relationship with them but they wont allow me send me XXXX letters saying that I was a bad customer when I call them they wont tell me how long I have to wait its like they think Im a fraud they treat me horrible and its just horrible they recommended I apply for a secured cars with my own money so then Im Not a high risk because their not lending me anything but they decline me for that as well I dont know what else to do with this bank their so discriminating even though I never had any accounts with them Thisbe bank must be investigated I wont stop until they seek resolution because its nit fair how they behave with me their fraud department is awful their is a rude guy their XXXX
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| 10/20/2021 |
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
|
|
Web |
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On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, my credit card has been used up to the limits and none of the transactions were made by me. During those days, I was working and I have my schedule picture. The credit card company denied my claim saying I used it myself since the card was not reported as stolen or lost. I have the card with me in my wallet so why would I tell them its been lost or stolen? I did not realize about those transactions as I dont use my card very often. I called during my work day for almost 3 days talking with different persons, all they wanted is to make me pay the money. Claim investigators didnt talk nicely and properly as they yelling at me for explaining about the situation. I work with {$14.00} one hour how can I use my credit limit on the same day??
|
| 07/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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|
Web |
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In XX/XX/XXXX I was granted a forbearance from XX/XX/XXXX until XX/XX/XXXX. ( I have copy of agreement ). On XX/XX/XXXX I made my XXXX payment. On XX/XX/XXXX a letter from the bank stating they were returning the mortgage payment. During this time I had been working out some kind of payment arrangement. Our ng this to me no one could give me an exact amount I owed. First National Bank stated I owed {$1900.00} on XX/XX/XXXX, {$1900.00} on XX/XX/XXXX, XX/XX/XXXX {$2200.00}, XX/XX/XXXX {$2800.00}, XX/XX/XXXX, {$2300.00}, XX/XX/XXXX {$3800.00} and {$2300.00} and XX/XX/XXXX {$2600.00}. Each time I emailed or called XXXX. I could not get a straight answer.
The above is only a few of the different amounts the bank said I owed.
I have hard copies of everything I listed here and more
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| 07/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
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I received a credit card bill from the XXXX XXXX XXXX brand credit card issued by XXXX XXXX. I don't believe I have ever used this card, and the first notification I ever got from them was this bill that showed that I made no charges but was being billed a {$69.00} annual fee. When I called to close the card, they said that they would close the card but that I still would have to pay the annual fee. I asked to speak to a supervisor and when she finally got on, she said the card I had to pay the annual fee and that the card would stay open and interest and charges would accrue until I paid the fee. I have never encountered a credit card company that wouldn't close the card and remove an annual fee on a card that had not been used, with XXXX balance except for the annual fee.
|
| 11/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I hope this message finds you well. I am writing to address a matter related to a financial hardship I experienced recently. Upon reviewing my credit report, I noticed that you have charged off items ; however, I have not received a 1099 for this particular transaction.
XXXX XXXX XXXX XXXX FNB Omaha FNB Omaha Child support In light of this, I kindly request that you provide me with a 1099 for the charged-off item at your earliest convenience. Having accurate and complete financial documentation is crucial for my records, especially considering the challenges I've faced.
Your prompt attention to this matter is greatly appreciated. I am eager to resolve this issue and ensure that all necessary documentation is in order.
Thank you for your understanding and assistance.
|
| 03/13/2023 |
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
|
|
Web |
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I opened a XXXX XXXX XXXX on XXXX XXXX with a credit limit of {$5000.00}. On XXXX XXXX my credit line was decreased to {$3900.00}. My credit score took a huge hit. On XXXX XXXX my credit line was again decreased to {$3200.00}. My credit score will again suffer immensely. Each time these decreases have happened I was approaching a substantial benchmark. I have a payment history of 100 %. I always pay more than the minimum as well. When I contacted the company I was told they were within their legal rights, and I needed to wait four months before asking for an increase. I explained how catastrophic this impact was. It just didnt matter to customer service. FNBO is a predatory company. The reviews are much the same online as I write today. Horrible experience. Bad operators.
|
| 05/21/2018 |
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
|
|
Web |
|
|
Over the last 2 months First National Bank of Omaha has been lowering my credit limit even though my credit score has gone up by over 80 points, and my credit usage has been dropped by over 30 %. For months when I had over 1750 dollar balance they did not lower my limit. Now that I have been paying off the card each month, and carrying a lower balance they have dropped my limit by over {$1000.00}. All they tell me is that I can request a hard pull on my credit report, and they MAY increase my limit. MY credit score is now back to where it was when they originally gave me the card. I have NEVER missed a payment on their card, and I pay above the minimum every single month.
Right now, their decisions are affecting my credit score, and no one can give me a good reason why.
|
| 06/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
After firing a Financial Advisor, XXXX XXXX, for stealing XXXX from my IRA which I recovered, I received back my documents. Among them were three fraudulent XXXX advice of Credit ordering from XXXX XXXX XXXX XXXX XXXX acct XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX said it did not have an account under my name or social security number and the account number does not link to me. XXXX can not identify the transactions but has not reported the fraudulent advice of credit forms to the police and has told me that it is a civil matter. The XXXX Advice of Credits may be dated in XXXX format which would place them in 2012. I do not know the reason behind these fraudulent bank documents and am concerned that an unknown account at XXXX XXXX may in fact have my money.
|
| 09/08/2015 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
My credit card was used with out my knowledge or authorization by my XXXX year old son.
I had previously bought online gaming for him. And I did not realize the credit card information was stored on the computer. My son did n't understand he was using my credit card. There are multiple and duplicate transactions that if you were to look at my statement anyone could realize something was n't right.
According to my credit card contract I have zero liability for transactions made with outmy authorization. However I was told in writing that I am responsible and its not considered " fraud ''. I never said it was fraud, its " unauthorized transactions '' I believe this wording of theirs is what is protecting them and not me as in my contract with them.
Please advise, XXXX
|
| 02/04/2016 |
Yes |
|
|
|
Web |
Servicemember |
|
I had a problem with XXXX XXXX XXXX and my issuing bank, First BankCard ( subsidiary of First National Bank of Omaha ) is not responding to requests for further assistance. When I first contacted them XXXX/XXXX/XXXX, they initially denied my case ( XXXX/XXXX/XXXX ) stating payment was due to the merchant for goods or services provided. I called and spoke to a supervisor named XXXX and explained it all to him and he more or less assured me that I could win the case and get my money back. However, on XXXX/XXXX/XXXX, they denied it again for reasons I 'm still not understanding. I mailed another letter XXXX and have yet to hear from them. I then faxed the manager of the department XXXX XXXX on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and again, I ca n't get a response.
|
| 01/09/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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|
Web |
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I received a credit alert about an inquiry on my credit report on XX/XX/XXXX. Additionally, I received a call from FNB Omaha Fraud department inquiring about a new account.
When I called in, I was told someone opened an account at a XXXXXXXX XXXX XXXX XXXX with my information on XX/XX/XXXX. Name and address matched. Phone number and mother 's maiden name did NOT match.
XXXX charges were made to the account same day - one inside XXXX 's and XXXX at XXXX XXXX
FNB Omaha has already marked the charges as fraudulent and started an investigation, as well as closing the account and setting a Password on it.
I was not given the exact amounts of the XXXX transactions.
I am concerned as I was told that opening an account IN STORE requires an ID, not just my information.
|
| 08/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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I have had a credit card with XXXX XXXX XXXX for several years, since XXXX. I have exceptional credit, and I would use my {$13000.00} credit limit for my XXXX company, where I would average about {$10000.00} monthly in usage. I missed a payment of {$23.00} for XX/XX/XXXX, whereas my bookkeeper simply missed the payment, or potentially two payments. Either way, I have been an excellent consumer and credit risk for FNB Omaha XXXX XXXX XXXX, and I ask for a one time courtesy on the late payment ( s ) and a reinstatement of my card. I will place an automatic payment on my card. My company generates over XXXX in business annually. I have excellent credit and desire to keep it that way. I'm requesting full reinstatement and apologize for this misunderstanding. XXXX XXXX
|
| 03/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
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I closed my XXXX XXXX with 1st National Bank of Omaha XX/XX/XXXX.
XXXX XXXX mag made a subscription renewal XX/XX/XXXX. The Bank reopened the account. I called the mag to reverse the charge. They could not refund to the credit card as the account was closed. They sent a check to me. However, this took a billing cycle and I thought the charges would be reversed and I did not pay the bill.
Other banks decline auto renewals and I get an email requesting I update my billing info.
This cant happen. How am I supposed to monitor every credit card I have cancelled to make sure they dont reopen them?
I have wasted hours calling the bank, put on hold, no real resolution.
I closed the account. They opened it. They are now charging me interest on an item I did not get.
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, FNB OMAHA XXXX XXXX Opened XX/XX/2017 Balance {$3500.00}
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| 09/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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|
On XX/XX/XXXX, I logged into my savings account with the mobile bank XXXX. I currently have {$1100.00} in the account. The app told me that my account was restricted for a fraud investigation. I was given no other information, than to text the company during business hours. When I messaged the company again, a representative reached out and essentially said that the account will be frozen until they finish their investigation. After I searched online to see if this was a common problem, it seems the bank regularly freezes funds without proper reason, or way to unfreeze. I was unable to pay rent this month, and had to take money from other accounts to pay because I had no access to my money. XXXX will not allow me to screenshot their communications in the app.
|
| 11/08/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
|
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Web |
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|
Please see complaint : XXXXThey responded today with : Dear XXXX : Thank you for contacting First National Bank.
In order to fully assist you with your request, please contact us at XXXX.
Sincerely, XXXX XXXX.
Customer Care Senior Specialist.
The only problem is ... ... .There is no XXXX XXXX at the XXXX.??
I spent 27 minutes on the phone with the company, today ( XXXX/XXXX/2015 ). Asking for XXXX XXXX ... ... she docent exist according to XXXX Customer Service people.
No XXXX XXXX and the President of the Company goes by XXXX Different names???
Whats up with 1 st National Bank Omaha? ABA routing number : XXXX ... ..at least according to their website. But, who knows?
Do they pay their FDIC premiums on time????????
Thank YouXXXX XXXX XXXX XXXX
|
| 02/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
I had a Visa credit card with First National Bank of Omaha ( FNBO ), XXXX XXXX XXXX, XXXX, Nebraska, XXXX, for ~40 years and never had a late payment. On XX/XX/XXXX, my credit card was closed abruptly and without warning for " long term inactivity. '' I used the card primarily for travel and last used it in XX/XX/XXXX. I did not travel in XXXX due to COVID. I would hardly consider 16 months " long term '' and feel I should have been given warning of their intention. In addition, this is not the way a loyal, long-term customer should have been treated. I called to explain that I planned to resume travel ( and use of the card ) and request my card be reinstated. I spoke to an individual who was rude and dismissive and said the cancellation was " permanent. ''
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have contacted FNBO several times regarding this Fraudulent Account listed on my credit report. The First time of contact was XX/XX/XXXX I have sent in proof that the account was opened fraudulently as well as an FTC report. The company assured me over the phone that the account will be removed but each month reports the exact opposite to the credit bureau. XX/XX/XXXX I contacted the FNBO high risk department to let them The information they are reporting is a violation of my rights and the account was opened fraudulent the representative told me they closed the account and will continue reporting it to the credit bureaus. This company is reporting false information which violates my consumer rights which is a direct violation of The FCRA standards.
|
| 10/26/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I have a current dispute for an XXXX transaction on my checking account with Fnbo direct. The refund was reversed because they say they didn't have enough information. I called today with that information. Last week the XXXX I transferred money from my savings account with them to an external account. I paid an express fee of {$10.00} for next day service. The external bank shows these transactions. Fnbo direct reversed the deposit and placed a block on the savings account with the funds in it. They are denying any and all traces of the transfer. They have no right to take funds from a separate account that has nothing to do with what is going on in the checkng account. The other bank shows the details of the transfer while Fnbo direct erased theirs.
|
| 08/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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|
On XXXX between XXXXXXXX XXXX at the fnbo ATM at XXXX and XXXX. I attempted to deposit all my money that I received as a graduation present. The ATM took XXXX and then jammed. It refused to give me the cash back or her bank card. Called the online number and also went through the fraud dept. They said the ATM would be over and not to worry about it. There were ATM cameras and they would have seen me depositing money. Now i received a letter stating first national found nothing wrong and are taking back XXXX. If they looked at the cameras they would see me and my mom as i was depositing money. The bank never sent a letter asking for more info. I called them tonight and provided the same info again and stated she was never provided another letter.
|
| 05/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Opened a credit card account with first national bank of omaha on XX/XX/XXXX. Got laid off for a long time so i couldnt pay it. Last payment made was on XX/XX/XXXX. First national bank of omaha sold the balance left {$2800.00} to XXXX XXXX XXXX on XX/XX/XXXX. I have received a few letters from them over the last couple of years stating the balance i owe, but as i have been laid off for almost 2 years total out of the last 3 years, i still could not pay it. I was served citation papers saying the were suing me today, XX/XX/XXXX, & i do not know what to do. I just recently started a new job with a new company & at this point i still can not afford to pay this bill. I do not want to be sued but i have no idea what i should do. Someone please help
|
| 11/08/2017 |
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
|
|
Web |
Servicemember |
|
I have XXXX ( XXXX ) inquiries on my credit file from this bank, dated XX/XX/XXXX & XX/XX/XXXX. I have not applied for credit with this bank, and have requested documentation on two occasions supporting their permissible purpose in accessing my files. I have received nothing but a brief letter stating that they had no documentation, as the applications were submitted on-line. My second request garnered no response at all. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ], this access can only be obtained " In accordance with the written instructions of the consumer to whom it relates. '' As they have no such written instructions, accordingly, these inquiries must be removed from my credit file immediately.
|
| 09/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I made a transfer of {$20000.00} from my linked XXXX Bank on XX/XX/2023, Immediately the money left my XXXX the next day XXXX Bank restricted my account without any valid reason and the money became available after 2 days in my Milli but I wasn't given access to it. I tried to contact their customer representative through email and 'in-chat ' messaging but all I could get is an automated response that they will get back to me in 1-2 Business day. I tried online to search for a representative phone number but XXXX does not have a phone number to call. Every time I sent a message i get response that I will be contacted in XXXX-2 Business day that they are investigative source of fund, till now no one has responded to me and its over a week now.
|
| 06/09/2022 |
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
|
|
Web |
|
|
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 06/25/2021 |
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
|
|
Web |
Older American, Servicemember |
|
They sent a letter to me accusing me of fraud because the very good scam on XXXX involved a phone call. I called the company several times and sent this letter.
This note is regarding payment on this invoice. The {$79.00} charged on XXXX and the {$79.00} charged on XXXX are lagitiment charges that I made and will be paid. The charge on XXXX of {$950.00} was not a charge I made. It was a scam to get my credit card number and I called within minutes of realizing that it was a scam. A woman answered and said the charge would show up on the next months billing but it would be taken care of. It is still on the statement and I am being charged interest and accused of fraud. I am not paying this charge as I had nothing to do with this scam.
XXXX
|
| 10/25/2017 |
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
|
|
Web |
Servicemember |
|
On checking my XXXX XXXX, XXXX statement, found a purchase charge of XXXX unauthorized by me. Checked other previous statements and also found the same charge going back to XXXX XXXX. Wrote letter to company, XXXX XXXX on XXXX/XXXX/XXXX.
As there was no answer to my letter, wrote again on XXXX/XXXX/XXXX.
There was XXXX change, though, in my XXXX statement : no XXXX charge.
I have to say I made a late payment in XXXX this year. My due date was the XXXX ; I paid on XXXX/XXXX/XXXX. Called the company then, I was given a different date to pay -- the XXXX of the month beginning in XXXX XXXX. I have been charged late fees since then.
On XXXX XXXX statement shows " available credit '' of XXXX. All other statements show XXXX balance available
|
| 09/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I saw an ad for the XXXX XXXX credit card on the XXXX XXXX XXXX dealer website. The ad said get a {$100.00} statement credit after 1st. purchase at the dealer. I called several times the First National Bank of Omaha, XXXX XXXX XXXX XXXX XXXX XXXX on how to get the credit and about a long delay in receiving the credit card. I made the 1st. purchase on XXXX at XXXX XXXX XXXX. I called the bank on XXXX because I did not get the {$100.00} statement credit. I spoke with manager XXXX. He said I will not get the {$100.00} statement credit because I took too long to make 1st. purchase. The several telephone calls I made did not explain the time limit on 1st. purchase. I think 1st. Natl. Bank of Omaha should give me the {$100.00} statment credit.
|
| 08/27/2021 |
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
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/06/2020 |
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
|
|
Web |
|
|
Goo day, In regards to my credit an error has been created due to XXXX XXXX credit reporting or FNB bank of Omaha.
On the XXXX of XX/XX/2020 my credit report was correct. On the XXXX of XXXX my credit report showed from FNB bank an account that my account was closed and a new account opened with no activity on it.
That error dropped my score 115 points.
Previously I paid off accounts and paying on accounts to establish my credit worthiness.
The errors are now taken off my credit report but my score is still down 100 or more points. This issue is effecting me due to someone error. XXXX XXXX b lame FNB and FNB blamed XXXX for this error.
Attached are documents to reference my claim. Please can someone assist me in this issue.
|
| 12/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I had applied for the Evergreen credit card with FNBO bank ( https : //fnbo.com/ ). The application was submitted on XX/XX/XXXX ( APPLICATION REFERENCE NUMBER XXXX XXXX XXXX XXXX ) The bank asked me to submit the driving license, W2 for last 2 years and the Social security card and I faxed the documents over to the Bank a week back. The bank then said that my Social copy was NOT clear so I emailed them my Social card yesterday XX/XX/XXXX.
Today the bank declined my credit application without any valid reason and its almost after 2 weeks I come to know that I am denied for no reason. I think the Bank is not treating all the customers equally in financial lending. Hence I am very disappointed and raising this complaint against FNBO.
|
| 06/06/2021 |
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
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2021 Re : XX/XX/XXXX FNB XXXX XXXX XXXX XXXX XXXX, NE XXXX Dear Credit Bureau, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing.
I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed.
Sincerely, XXXX XXXX SSN:XXXX
|
| 02/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Re : erroneous item FIRST NATIONAL BANK # XXXX reported by First National Bank to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. First Natl Bank has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. First National Bank has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.
|
| 06/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I overpaid on my credit card and had a credit balance of {$2600.00} on my last statement dated XXXX. I called FNBO to get a refund on XX/XX/. The person I spoke with was unsure of how to go about getting me a refund and put me on hold to check. When she came back on she said that they can do that and that she would put in a request with their accounting department. I waited and called back again a week later on XXXX since nothing was done. The person I spoke with said that she sees that the request was made and that I would just have to wait for the accounting department to process it. It's been 2 weeks since my initial call and there is still a credit balance on the account which means they still haven't done anything about it.
|
| 02/04/2016 |
Yes |
|
|
|
Web |
Servicemember |
|
On this day at approximately XXXX I received a call on my personal cell from XXXX I did answer it. And it was a rep from First Bank Card. Before she began to ask me any questions I asked her why is she calling me at XXXX, she stated she did n't realize what time it was. I stated " you call me every day, so why are you call me at XXXX in the morning '' " Do you know this is a violation of the CFPB '' and she stated yes and then went quiet on the phone, and I told her I would be in contact soon. Once I hung up, I picked up my other phone to see if they had called that phone, and she sure did at XXXX and she left a voice mail as well. I will attach the vm and the phone log. The bill was paid the day before and has always been paid.
|
| 08/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American, Servicemember |
|
We applied for and was granted a Visa Card from FNBO, because there would be a discount of 50 per gallon, for a limited time, purchased from XXXX or XXXX stations.
When the discount was only 30 per gallon, as per agreement, we contacted the bank via email numerous times for an answer, they did not respond.
Now it appears they have fixed the Log-in, so we can no longer reach them by email. We input the Username and Password and receive a message that it is incorrect. We ask for the correct password/username and they are sent to the email address. When we try to re Log-in, we get the same message. So, we are in a constant loop. This is the main reason for the complaint. Not answering the question is only secondary to this.
|
| 02/10/2023 |
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
|
|
Web |
Older American, Servicemember |
|
I complained that the following companies, XXXX and the XXXX XXXX XXXX were billing my XXXX XXXX XXXX ending in XXXX without my authorization in XXXX or XX/XX/XXXX. I contacted the Bankcard Payment Processing, XXXX XXXX XXXX, XXXX, XXXX XXXX concerning these illegal transactions.
XXXX. In XX/XX/XXXX, the same charges by XXXX and The XXXX XXXX XXXXXXXX appeared on my new credit card ending in XXXX. I notified the XXXX XXXX XXXX Bankcard Payment Processing Center to report these illegal transactions. I never gave my new card number to either XXXX or the XXXX XXXX XXXXXXXX. I requested that a new credit card be sent to me and to prevent any automatic charges from being billed or charged to my card without my authorization.
|
| 03/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
To Whom It May Concern : I am writing today to request the XXXX XXXX Guess Rewards Points sign-up bonus, after having made {$1000.00} in purchases.
Despite being approved for my card in XX/XX/XXXX, I did not receive my card until XXXX XXXX days after the first 3 billing cycle window for the sign-up bonus.
My card had been intercepted/stolen in the mail and despite reporting this to FNBO on XX/XX/XXXX, I did not receive a replacement card until XX/XX/XXXX, see attached. This even after having made multiple calls and getting different answers as to when or even if the replacement card had been mailed out.
I do not feel that my sign-up bonus should be denied because it took FNBO over a month to send a replacement card.
|
| 12/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The First National Bank of Omaha ( FNBO ) charged me with a debt that I did not incur for an account that I did not own, nor subscribe to, nor recognize. I don't know what dates I am accused of incurring alleged debt, but FNBO secured a judgment against me in the amount of approximately {$7600.00}. I was unaware of the judgement against until approximately 1 year after the fact that judgment was rendered, and I coincidently discovered judgment when in process of filing for home renovation. I now in the process of actively contesting said judgment. In the meantime, I am filing this complaint in an attempt to exonerate me from this Credit Fraud. Your assistance in resolving this matter is greatly appreciated. Thank you.
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/1970 XXXX Credit Bureaus : XXXX, XXXX, XXXX To whom it may concern : 15 USC 1681 Section 602 States : I have the right to privacy.
15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for late for any purpose.
I am reporting this collection as an " Open Account '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Sincerely, XXXX XXXX
|
| 01/31/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Opened a account with XXXX XXXX XXXX via XXXX XXXX they issued XXXX credit limit in XXXX. By XXXX my credit limit had increased to XXXX, I never had a late payment and paid more than minimum payment each month. The bank started decreasing my credit line each month which made it appear that I was more than 30 % utilization rate. each month that I continued to pay they decreased my credit amount. I am know back down to XXXX and I was not given any real explanation for the decrease. However I can not use the card any longer because each payment that I make they bank keeps lowering my credit limit to match the owed debt. Bad business putting me at risk for not forming other relationships with substantial credit limits.
|
| 06/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
I applied for a loan via XXXX XXXX. Called XXXX XXXX XXXX which is actually 1st National Bank of Omaha in XX/XX/XXXX. I called to follow up on status & was told a letter was sent ( declined ).
I verified the address and they left out my apartment, which I gave & was told on XX/XX/XXXX by 'XXXX ' it was sent " on the XX/XX/XXXX ' ( XX/XX/XXXX ).
I never received the letter, so I called XX/XX/XXXX @ XXXX XXXX mountain time zone and spoke to'XXXX '. I recapped my experience and that it is ILLEGAL NOT T O SEND THE LETTER. He expressed that was his understanding.
As of today XX/XX/XXXX, I have not received my denial letter as required.
I intended to pay off a rip off loan that I plan to file a separate complaint.
|
| 12/02/2015 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
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I have had a XXXX credit card with First Bankcard ( ACCT # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) which was used by my small business, XXXX XXXX XXXX. An employee had access to this card and once they had left the company, I had called First Bankcard and asked them to suspend it to prevent unauthorized use or fraud. I was told that I could have another card reissued and provide access to the new employee once I the hiring process was complete. The problem is that First BankCard disqualified me from accessing the XXXX reward points I had painstakingly accrued over the past few years. According to them, all of their obligations regarding the reward points have been eliminated because of my attempt to prevent fraud.
|
| 10/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
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|
My request to close the account and release my funds has not been honored. The money has been sitting there. XXXXXXXX XXXX has restricted my account since I opened it. They send a debit card that I can not activated nor used to get my funds. I have requested that they closed their account and return my money. It has been more than XXXX. I have received several overdrafts fees and late payments in my attempts to retrieve my funds from this account. I am not able to talk to anyone over there. I emailed and chatted with like 10 of them. XXXX, XXXX, XXXX, XXXX. None of them have been able to release my money They all replied with the same thing, They will get the request processed. They have not released my money yet
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On my credit report it shows that I was late over 30 day in two consecutive months ( XXXX and XX/XX/2023 ). I have never been late. I started automatic payments from my personal checking account that was to begin in XX/XX/2023 with this company. We received a letter in the month of XXXX stating that the account was past due. We contacted the company and they said that not to worry about the letters and that they might come for a couple months since we just started the automatic payments. The payment was for {$100.00} per month. I made sure that the payment was made for XXXX and then the same thing happened in XX/XX/2023. Since then, there has been no issue. I would like this negative issue removed from my report
|
| 04/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
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Have been receiving repeated calls from First National Bank of Omaha, purportedly about an " XXXX Store Card '', which I do not have. I paid this account off in full years ago and cancelled the account, so I can not fathom what I might possibly owe them, or even why. This collection company repeatedly calls my work number -- two and three times a day, sometimes more. I have had to put my phone on silent because it disrupts my coworkers. When I checked the voicemail messages this company had left, I was astounded : 77 messages in about the period of two months. The number that the call came from is XXXX. I have no idea what this is about, but I want the calls to stop until I get this sorted out with the retailer.
|
| 12/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Problem canceling credit monitoring or identify theft protection service
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|
Web |
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I tried to apply for a credit card through my bank XXXX XXXX and was denied on XX/XX/2018 due to insufficient credit file I also tried to apply for an apartment at XXXX XXXX XXXX XXXX Texas and was also denied because a flag is on my credit fraud protection with XXXX. I tried several times to contact XXXX and try to resolve this matter for I did not put this on my credit and it's causing me not to be able to apply for things I did to dispute a matter which was fraud use on my credit they completed that dispute and just dismissed it off my credit but they also added a fraud protection which I did not ask for and I am not able to apply for things that I need to apply for and I'm being denied from companies.
|
| 12/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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A woman called me claiming to be from First National Bank. She had my full social and debit card number. She told me there were fraudulent charges. She asked to confirm my information. She told me there were two fraudulent charges and asked me if I was in Texas. I said no. She told me I needed to cut up my card and they would send me a new one on Saturday. I challenged her legitimacy but when she new my full social and debit card I believed her and confirmed my pin. Today I got a call from FNB and checked my account. There were 9 {$200.00} withdrawals from my account. They told me to file a complaint with you to protect myself from further fraud. My card is cut up by they have all of my personal information.
|
| 01/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 12/28/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
Older American |
|
On or around XX/XX/XXXX First National Bank Of Imaha sought an application to extend a card card To me on behalf of XXXX XXXX XXXX as an agent for the principal ( XXXX ) warranty for my XXXX XXXX XXXX. The rejection came on XX/XX/XXXX stating I had the following : SERIOUS DELEINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED RATIO OF BALANCE TO LIMITS ON XXXX XXXX ACCOUNTS TOO HIGH TOO MANY ACCOUNTS WITH BALANCES These disputes are nefarious at thier core My accounts covered a large time exposure and included XXXX.
These critics exclude the fact that I have 3 banks XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and a score over XXXX in each credit data company and two credit cards and I and LLC to a commercial company.
|
| 01/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I recently was contacted by XXXX XXXX XXXX and they stated that there was a debt from 2017 that was owed from first national bank of Omaha. I contacted first national bank of Omaha and they said that a lot of the information on the credit file like drivers license the address, the phone numbers the emails did not match up correctly to my actual information. They believe that the debt was fraudulent. They instructed XXXX XXXX to have XXXX buy back the debt and then they could cancel the debt based on fraud. I have filed a report against XXXX XXXX XXXX and they have recently stated that they have given the debt back to XXXX XXXX. I am trying to have this resolved appropriately and removed from my name.
|
| 08/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
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My name is XXXX XXXX, we did a wire transfer donation to a refugee school in XXXX from Non profit account name The XXXX XXXX XXXXXXXX XXXX under First National Bank Omaha XXXX. The amount was {$3000.00} transactions dated XX/XX/XXXX, on XX/XX/XXXX, the beneficiary didnt receive the funds so I had called first national bank multiple times they said my money was held they didnt tell me any details or reasons. On XX/XX/XXXX, they still held my money so I requested them to return it back to non profit account. Until today XX/XX/XXXX we still havent received money back and the beneficiary didnt receive it either. First national bank Omaha still hasnt returned money back to us and didnt tell us any reason.
|
| 01/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was alerted by XXXX XXXX because my identity was stolen on XX/XX/XXXX that FNB Omaha had accepted a fraudulent application for credit. Upon notifying them by telephone they refused to disclose any information to their fraud department because they said they could not prove it was me, but after 24 hours I received an alert that they closed my legitimate XXXX credit account and lowered my credit score in doing so even though that was not what I was told they were going to do, or not do.
Now I have to worry that FNB Omaha has an open application for credit that was done online by a thief using my ssn, dob and full name.
HELP! They should not be allowed to keep that account open that is FRAUDULENT.
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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|
I already reached out to the credit bureaus and to XXXX XXXX with account number XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
|
| 08/10/2023 |
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
|
|
Web |
|
|
For over the past several years my personal information has been dumped on the dark web and the internet. Over 1000 cases of fraud on my account. Accounts emptied. Mail stolen. All due to credit card companies and credit bureaus and banks failing to secure their databases allowing information theft.
I have spend the last several years working to clear my financial records. In the past year starting in XX/XX/XXXX and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent debt validation letters, some not asked for by creditors in a effort to research issues with fraud. This creditor has not seemed to respond to my letters within 30 days.
The creditor needs to respond within 30 days to requests.
|
| 04/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Complaint goes to company name Fnb Omaha .I discovered this account on my credit report.Account was opened fraudulently i've sent in FTC report and copy of my driver license to credit bureaus to block this incorrect information from my credit report.The creditor is showing late payments on time payments.I never made a single payment for this account i want the creditor to share the information the account routing number with credit bureaus and CFPB and i want them to call the bank the account and routing number the payments are made from and verify if it belongs to me i got a chance of talking to creditor they have wrong address on their file wrong date of birth.
FNB OMAHA Account number XXXX
|
| 09/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
|
|
Web |
|
|
Just got my statement for a debit card of mine TODAY AND NOTIFIED TWO FRAUDULENT TRANSACTION ON MY CARD : XXXX ONLINE XXXX XXXX TX XXXX XX/XX/2020 XXXX FIRST NATIONAL BANK OMAHA XXXX NY XXXX XX/XX/2020 XXXX I DID NOT MAKE ANY OF THESE TRANSACTIONS AND I DID NOT RECEIVE ANYTHING FROM XXXX-XXXX OR THE FIRST NATIONAL BANK. OF OMAHA - I want my money back. I WANT MY XXXX RETURNED FROM XXXX ONLINE XXXX XXXX TX AND I WANT MY XXXX RETURNED FROM FIRST NATIONAL BANK OMAHA ( A SUBSIDIARY OF THE NOTORIOUSLY FRAUDULENT XXXX XXXX ). HOW EXACTLY AND WHEN EXACTLY WILL I GET MY XXXX FROM XXXX XXXX XXXX TX AND HOW EXACTLY AND WHEN EXACTLY WILL I GET MY XXXX FROM THE FIRST NATIONAL BANK OMAHA?
XXXX XXXX XXXX
|
| 03/30/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
My credit card experienced unauthorized charges. The credit card company, First National Bank of Omaha, did reverse all the charges, however after concluding their investigation and that I was not responsible they closed my credit card account. I request respectfully that they reconsider and re-open my credit card. The fraudulent activity in this matter appears to trace to an address in a crime stricken area of XXXX XXXX where I do not live and have never lived, about XXXX miles away from me, and a proper investigation by XXXX has proven that I have nothing to do with that address as well. Why is it that insult has been added to injury and my credit card closed when I have done nothing wrong?
|
| 12/24/2021 |
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
|
|
Web |
Servicemember |
|
Re : XXXX XXXX XXXX XXXX XXXX The bank and XXXX XXXX advertise that one would receive 80,000 points when {$3000.00} is spent during the first three billing cycles after the account is opened and an additional 40,000 points when {$5000.00} is spent during the first twelve billing cycles. I spent over {$5000.00} during the first three billing cycles and received the 80,000 points but not the 40,000 points.
I then contacted the bank inquiring about the lack of posting the additional 40,000 points.
I was informed that 40,000 points was an " anniversary '' award that would be posted after one year had transpired. No where on XXXX XXXX 's or the bank 's website is the term " anniversary '' used.
|
| 09/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I called to inquire about my credit card and was informed that it was closed due to it being over the limit for 5 months. It never shows it was closed, We were affected by COVID-19 yet I never missed a payment. I finally was able to bring the account balance under the credit limit and now the account was closed. I never received anything in writing about the possibility of the account going to be closed. Per the Cares Act, accounts can not be closed unless more than 3 payments are missed. I didn't miss a payment and thus closing my account is in violation of the Cares Act. Please re-open the account and remove any negative reporting that may have been reported to the credit bureaus.
|
| 04/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
I had an XXXX rewards credit card, managed by XXXX XXXXXXXX XXXX, which was set to expire in late 2022.
Without my knowledge XXXX transferred their provider bank to First National Bank of Omaha ( FNBO ), which issued a new card which was not set to expire in XXXX sent it to an address at which i no longer resided and started accepting charges against that card without my having activated or even ever seen it or knowing that i now had a relationship with FNBO.
I was under the assumption that my card would expire and charges against it would cease, not that a financial institution i had signed no contract with would accept charges on my behalf and start trying to collect on them.
|
| 07/26/2015 |
Yes |
|
|
|
Web |
|
|
I used my credit card with a PIN not knowing it was a credit card transaction. I was charged hundreds of dollars in cash advance fees. I cancelled the card and paid it off prior to the due date and they charged me another 30 days worth of interest on the entire balance. The first time I called to rectify it the man I spoke with insisted it was correct and it was being charged at a periodic daily rate. I then calculated the interest on my own to prove they charged me for another 30 days. I then called back and the represenative told me she was going to waive it. I am reporting this so that other consumers are not abused by their interest calculation methods. XXXX and First Bankcard.
|
| 03/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX placed a derogatory mark on all three credit bureau 's, XXXX, XXXX, XXXX also XXXX XXXX they continue to update my report, I have sent also disputes these charges of {$2500.00} multiple times, also went to file identity theft and was told it wasn't a police matter but a civil matter. According to the FCRA my rights are being violated as a consumer, I am requesting removal of this collection immediately due to inaccurate reporting I haven't recieved any contract or written Signature confirmation anyone can send a bill claiming it's mine, please terminate collection efforts and notify all three credit bureaus, XXXX, XXXX and XXXX.recently updated XX/XX/XXXX
|
| 06/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
My daughter paid the credit card company with her bank account. After 3 days it still didn't go thru. I myself paid the bill again b4 the XXXX when my payment is do. They still process another payment with updating my acct number after I spoke with them and gave them the correct number!!! They took it upon theirselves to close my acct without warning, charge me another XXXX bucks for return check and late fee. This is unacceptable. The bank name is XXXX XXXX XXXX ; and actually I thought it was first bank credit card. This credit card company is unprofessional and they are doing illegal practices to get extra money. I have no problem with my other credit cards..just this company
|
| 11/16/2021 |
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
|
|
Web |
|
|
Ive had to speak with customer care every month since the card has been opened because the first time my payment was sent back because there was one number incorrect on the account number and ever since then my account has been placed on a block. I am unable to make payments online whatsoever and have to always calling my payments which is extremely upsetting and its XXXX me off because I am never late on any of my payments! Auto pay does not work and have had continuous trouble and Im tired of speaking to Customer Care because of these issues not only am I being charged late fees but your guises algorithm is reducing my credit line thinking that I am not responsible when I am!
|
| 01/18/2024 |
Yes |
- Credit 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
|
|
Web |
|
|
I purchased a flight through XXXX on FNBO 's XXXX credit card on XX/XX/XXXX, however needed to cancel. XXXX only provides an online XXXX XXXX customer service so that did not resolve anything. I called FNBO to dispute it on XX/XX/XXXXXXXX They assured me that they will investigate. This dispute was resolved on XX/XX/XXXXXXXX in my favor, per the statement. On XX/XX/XXXXXXXX they are now claiming that they could not get in touch with the vendor and that it would be up to me to resolve it. They added the charge back onto my account with interest on the time they spent to resolve it. Now they are making me pay for something that was originally resolved, with additional interest.
|
| 11/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
Complaints against First National Bank of Omaha is one account the other is a card service that they manage for XXXX XXXX XXXX. I'm not receiving any card statements in the mail in order for me to know all essential information about the account so I can make timely substantial payments. They claim they are not required to send out such statements by mail or via email. I believe this was not in the terms of the contract for card services. They want their fees no exception. I have a credit score of XXXX and I am a successful Sole Proprietor who uses the credit card for business. I believe I am getting stolen from in the form of wire fraud and anything else you can think of
|
| 07/31/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
XX/XX/2022 -- Opened a safe deposit box at First National Bank of Omaha ( XXXX and XXXX XXXX and was quoted a discount annual fee of {$50.00} as had other account relationships ( checking, savings and credit card ) with the bank. I gave the XXXXXXXX XXXX personal banker a check for {$50.00} to have them debit my checking account.
XX/XX/2022 -- Received a safe deposit box bill of {$75.00} XX/XX/2022 -- Spoke with XXXX at the branch via phone and he told me that as my checking account was older that is the reason for the {$75.00} bill, but he stated this would be corrected also going forward.
XX/XX/2022 -- My checking account was debited the {$75.00} and not the {$50.00}.
|
| 01/10/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Tried to open an account with XXXX XXXX : Mobile Banking by First National Bank of Omaha thru their app on XX/XX/2024 and was denied.
The reason it was denied is because it did not meet the bank 's requirements.
" The bank requirements encompass several determining factors, including, but not limited to, personal information discrepancies or an inability to validate identity. '' When I reached out over the chat thru the app to ask for the detail of the discrepancies or which of my identity was invalid so it can be corrected, the bank unable to share that information due to privacy reason.
It seems like their decision is final and nothing can be verified or corrected.
|
| 10/15/2015 |
Yes |
|
|
|
Web |
Older American |
|
First National Bank of Omaha has charged my credit card a {$25.00} Fee for a Dishonored check in the amount of {$20.00} payment that I made online using First National Bank online banking now allow me 2 inform you that the payment was not Returned by the Bank the payment could n't be process key word '' PROCESS '' I believe it could n't be " PROCESS '' is because unknown 2 me First Bank was in the process of overhauling their erratic website which I believe had something 2 do with my payment not being process keyword is process not Returned.This is not my first problem with First Bank back in XXXX 2014 they allowed {$400.00} in credit card fraud be applied 2 my account.
|
| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have always paid my account on time every month thru the website that the company provides and i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it 30 days prior on line and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
|
| 08/28/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
yes, I have reported the fraud transaction over the phone and I have also called over the phone the second time to get an update. the person just told me just to ignore the transaction and just wait until it's reviewed. Im getting no updates about my fraud case and i still see it posted on my account XX/XX/2021 XXXX XXXX XXXX IN DISPUTE {$990.00} XX/XX/2021 XXXX XXXXXXXX IN DISPUTE {$370.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$990.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX {$370.00} XX/XX/2021 XXXX XXXX XXXX IN DISPUTE {$1500.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} I'm starting to feel worry because i don't want to be response for them.
|
| 03/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I got a call from a scammer, saying there was someone trying to remove money from my account, I dont know why I believed them. Mainly because the number they called me with was an actual bank number, so I didnt think anything of it. I gave out personal info to said scammer. Right after the call, I called the bank, an asked if there was any signs of fraud in my account a the banker said no. So obviously that means a scammer called me to get a hold of my account, Thankfully they didnt get a XXXX from my bank account, because I had the banker close my account an make a completely new one. New routing an accounting etc. Im mainly worried if they are trying to use my SSN.
|
| 01/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
First National Bank of Omaha, allowed a person to open a secured credit card, with the deposit from another a 3rd persons checking account. Without verifying where the deposit was coming from, never requesting a copy of my DL, SS Card, or banking records. At that time of my life, I didn't even have a Checking Account or Savings Account. I have sent them in a affidavit, police report yet they will not remove if from my records. Yet on XX/XX/XXXX they removed/deleted from my XXXX FILE and on XX/XX/XXXX removed/deleted from XXXX FILE, yet want to allow XXXX and XXXX to keep it on file. So it seems like a 50/50 draw. 50 percent there saying its mine, 50 % its not mine.
|
| 06/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I applied for a secured credit card with First National Bank of Omaha ( FNBO ) in XX/XX/XXXX. After verifying my identity, I was approved and opened the card with a {$1000.00} deposit in XX/XX/XXXX. I closed the account on XX/XX/XXXX, at which time there were credits on the card ( in the form of store purchases that were refunded ), totaling {$520.00}. Both in FNBO 's User Agreement and during the phone call on XX/XX/XXXX when I closed the account, I was informed that I would receive a refund of my secured deposit ( {$1000.00} ) and all remaining credits ( {$520.00} ) within 30 days. This has not happened. It's been over two months and I haven't received anything.
|
| 03/02/2018 |
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
|
|
Web |
|
|
The First National Bank of Omaha advertised for and provided disclosures on a credit card to suppor the XXXX XXXX XXXX. The First National Bank of Omaha has recently stated that it will not longer offer that card. Nowhere in the initial disclosures was there a clear and prominent statement that they may submit to cultural pressure and stop offering the credit card. There disclosures were extremenly deceptive in their advertisting. This decision has caused me severe financial harm as I am having to find a replacement card for an organization that I support, spend time changing all my pre-arranged paments to that card, and start using that card over the FNBO card.
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2023, on behalf of my business XXXX XXXX XXXX, XXXX, I applied for the XXXX XXXX Credit Card, issued by First National Bank of Omaha ( FNBO ). FNBO then performed a hard pull on my personal credit report. I was not informed nor consented to this credit pull.
Upon calling FNBO about this, they stated I agree to such a credit pull during the application process but were unable to provide any such documentation. They stated I agreed to personally guaranty the business credit card. Again, they could not provide any documentation backing this up. I asked to talk to a supervisor, and they said one would call me back. No one at FNBO has contacted me since.
|
| 01/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX has repeatedly called my family members and harassed me over a debt that I do not owe. I contacted the original creditor in the situation and they said that none of my personal information I provided them matches what that had on file. They said I was most likely a victim of identity theft. They also said that the account was closed at 0 balance and that I should report XXXX XXXX XXXX to the credit bureau. I want to make sure moving forward that this account that was not mine isnt going to be tied to me. The original Account was created with a different drivers license than was mine, a different email, and phone number, and a different address.
|
| 07/26/2018 |
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
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Web |
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On a visit to XXXX, XXXX, ATM machine did not dispense the amount of {$200.00} XXXX Dollars ( = {$150.00} USD ). For this reason, I decided to file a complaint with the credit card company FNBO. Upon receiving response from the bank in question claiming that ATM machine was working as it should, FNBO refused to proceed with my dispute further and advised me to contact the bank involved directly. When I requested the contact information of this Bank/Merchant, random numbers and non working numbers were provided by FNBO who took the situation lightly completely ignoring the fact that I am being charged for a transaction that I did not receive any benefit from.
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| 07/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
Older American, Servicemember |
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I applied online for a XXXX XXXX Mastercard by First Bankcard on XX/XX/XXXX. I received notice of a decline promptly on line. Thinking there was some sort of error I called XXXX on XX/XX/XXXX which was a phone number they provided for such a situation. I was informed by XXXX I would receive a letter in 7-10 business days detailing why and that I was turned down due to a prior bankruptcy and too many credit inquiries. I did finally receive a letter dated XX/XX/XXXX but I didn't receive it until XX/XX/XXXX. It did not site a prior bankruptcy. I did have a personal bankruptcy but it was discharged in XXXX and should not be part of any current credit decision.
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| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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To Whom this May Concern, I have noticed FNB Omaha has reaged the account on my credit report. XXXX sold the debt to FNB Ohama in XXXX. There is no validation of the original contract - the account is listed as a closed account/charge off. It's stating the last payment was made on XX/XX/XXXX to FNB Omaha but I have never made a payment to FNB Omaha and I've never signed a contract with FNB Omaha and never opened an account with FNB Omaha. This needs to be investigated immediately since this is fraud and I will seek legal action. Please remove this account immedately from my credit profile. I have uploaded my ID and proof of residence for your reference.
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| 08/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I received a charge for annual fee and within 30 days of charge appearing on statement requested in writing to cancel the card and reverse the annual fee. Bank refused saying previous month 's statement informed me that I would be charged for the annual fee. I had not seen this on the prior month 's bill, as it wasn't actually a charge, and would have cancelled the card a few weeks earlier if I had. I'm attaching the bill where I received this " notice '' so that you can see it is not something that would jump out at the ordinary person paying bills. I have not used the card and do not intend to use the card and asked for the bank to cancel the card.
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| 12/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
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| 03/18/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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I purchased XXXX tickets to a show using my First National Bank of Omaha credit card. The show was canceled. The money was refunded to the credit card. There was a balance of {$130.00} when the money was refunded. The credit card company will only send me {$470.00} and kept the {$130.00}. for a payment. I requested a check for the full amount {$610.00}. The payments to the card were current with no past due balance. They have no right to keep my money. I did n't want the balance paid off at that time. Some of that money I needed to give back to the people that were going to the show with me. It 's wrong and they should have sent me the full amount.
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| 05/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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I received pre-approved offer of a credit card from XXXX, which I accepted online. Approximately 10 days later, I received a letter from XXXX, denying my card for the reason of : " Elements associated with fraud. '' I have never committed fraud.
I am not aware that fraud has been committed on any of my accounts, which I monitor regularly and balance my accounts each month.
When I contacted XXXX to receive an explanation, I was transferred several times, and none of the departments understood the issue, none were able to correct, and each wanted to quickly pass me off to someone else, who in turn lacked the basic skills to address this problem.
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| 04/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I was drastically effected by covid 19 which caused a major financial drain in my income. I fell behind on my credit card payments with FNBO after being a loyal customer making on time payments. I did not pay my bill because I didnt want to I was sick and not working I was worried about my health. I enrolled in the forbearance program Im not running away from my responsibility on paying the debt I just feel like FNBO does not care about customers like other major banks and credit card companies. I reached out via email no response customer service provides no assistance so I contacted the XXXX the creditor refused to remove the late payments.
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| 01/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Dear CFPB I am writing to assist me to reopen my credit card that was closed what card issuer claims due to returned mail and not verified address. I applied this card 2011 and since then i did not change my address. I called card issuer was told that mail was returned and its flagged by system and they couldn't deliver my new card when old one expired.
Card issuer had my email address and my phone number and i did not receive any phone call or any email from them that they can not deliver my new card. I never changed my address i can only guess mail returned only because maybe usps delivery guy made mistake and couldn't deliver it properly.
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| 09/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am a victim of identity theft. On XXXX XXXX, 2017 some body used my SSN and open a credit card with First National Bank. Some time in XXXX I received a billing statement for a balance of {$7100.00}. I contact First National Bank and explain what happen. I spoke with the vice president XXXX and explained it to him and XXXX XXXX said I am not liable for this account. I followed up with the bank today XXXX XXXX, XXXX and I spoke with XXXX in the fraud department and I asked him about this credit card and he said there is still a balance on the account. I explained it to XXXX, I did not open this credit card and he said will investigate on it.
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| 10/01/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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I opened this account and made some transfers from my other account to fund this one. The money has been sitting there. XXXX XXXX has restricted my account since I opened it. They send a debit card that i can not activated nor used to get my funds. They are requesting that upload bank statements after my money has been sent to them. I have requested that they closed their account and return my money. It has been 30days. I am not able to talk to anyone over there. I emailed and chatted with like 10 of them. XXXX, XXXX, XXXX, XXXX. They all replied with the same thing, They will get the request processed. They have not released my money yet
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| 04/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hi my name is XXXX XXXX and im an victim of identity theft. I tried to handle this issue with credit bureaus but no help there .Someone applied for a credit card under my name and it shows on my credit report.Creditor sends a result of investigation as everything is accurate so im attaching the documents I sent to bureaus this account does not belong to me.Also another account that shows late but that late wasn't my fault and I notified the company too .I sent them my XXXX positive test results that I was in XXXX and before that I sent my payment by mail and I don't know why they returned the mail I sent so it was not my fault to be late.
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| 11/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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Was promised a 5.99 balance transfer apr in first three billing cycles but was told after my second billing statement that my promotion had expired. Apparently what they really meant was three calendar months ( account was apparently opened in XXXX but not used until about XXXX. ) as they said the promo started when my account was opened, not at statement issue ( first was XXXX balance, but still- I feel very misled ). Again, the misleading language needs to be corrected to say first three calendar months after the account is opened. Their terms ( which the lady kept harping one ) imply that I should be able to do my balance transfer now.
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| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
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Web |
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Notice to Intent to XXXX XXXXXXXX XXXX, You stated in the previous complaint and also attached that my account was sold to you. However, my non-public personal information was sold to you unethically. During this transaction, I was an uninformed consumer. You have defamed my character and the reporting of this account is affecting my livelihood and reputation. In addition, you stated the debt is valid however, my name is not XXXX XXXX as stated on the letter you sent to me that is attached as well. Under the FDCPA and FCRA, the Entire account must ME VALID, ACCURATE, AND FAIR. AGAIN MY NAME IS NOT ( XXXX XXXX ), MY NAME IS XXXX XXXX.
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| 01/02/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I have received multiple credit card offers from First National bank of Omaha for XXXX XXXX Visa card. I have returned the offer, along with a letter stating that I was registered with pre-screen opt out, and that I did not want any future credit card offers from First National Bank of Omaha, XXXX XXXX Visa. This was sent by US mail in XX/XX/2021 using the pre-addressed envelope along with the credit card offer form that I marked " Refused ''. I have not received an acknowledgement of receipt of my letter, and I continue to receive unsolicited credit card offers. I have never conducted any business with First National Bank of Omaha.
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| 09/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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I applied for the XXXX XXXX XXXX on XX/XX/18 and was informed via email on XX/XX/18 that a decision had been reached on my application. I logged into the website and it listed my application as declined, stating that I would receive a letter in the mail with further details in 7-10 business days. When said letter did not show up as of XX/XX/18, I called customer service on XXXX and was asked to call back on XX/XX/18 if I did not receive the letter by then. I called back on the XXXX, explaining that the letter still hadn't arrived and was informed that a new letter would be sent out. I have not received either letter as of XX/XX/18.
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| 09/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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When will this bank approve me and not closed my account they treat me horrible when I get approved their XXXX fraud department shuts me down immediately its not fair I cant use my card once approved I have applied for a secured card even and they wont approve me their crazy also I asked them they would offer contactless technology on their cards tap pay feature it makes the checkout more convenient as many banks are starting to add this feature next to the chip you tap it instead of inserting the chip its more secure they said they dont know such old technology time for this bank to update their card technology as other us banks
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| 12/20/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Older American, Servicemember |
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I paid a credit card Full Amount back in XX/XX/2023 to FNBO and they apparently lost or misplaced payment My bank investigated and found check was sent and gave me file numbers showing payment was sent.
FNBO claims they never received it but refuse to investigate, wanting me to do the investigation, I bank by mail and my bank verified payment was sent. FNBO has been harassing me every day six ( 6 ) days a week morning and evenings.
I don't feel they have the right to harass me as they are doing and they need to perform investigation as to where that check went.
They keep adding interest charges and it's getting out of hand.
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| 07/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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On XX/XX/2021 I was made aware of a derogatory mark on my credit report ( XXXX, XXXX, and XXXX ) per XXXX. Upon further observation, this account was paid in full and the account was closed ( account # XXXX ) with FNB Omaha. FNB Omaha has violated my rights as a consumer and I am requesting legal action to remove this derogatory account immediately. Debt was paid in full two years ago and has a {$0.00} balance but is still currently appearing on my credit score in collections and I wish to have this account taken off immediately. I have reached out to FNB Omaha in reference to the incident but havent received any feedback.
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| 12/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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I have consistently for several years been stating to First National Bank of Omaha that they are reporting a credit card account FNB OMAHA on my credit report for years, An account that has been closed and charge-off as well for years. Also, an account that I have persisently stated is a fraudulent account. Today they updated my report and stated there was a new late added on to this fraudulent account which has been closed and charged off for several years, causing my credit score to drop 60 points, how is this right? How is LEGAL to continue this BLATANT ABUSE, they ruined my credit over this account, someone please help!
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| 04/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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I received a credit denial letter from FNOB ( First Nat'l Bank of Omaha ) via USPS Reason for denial : My credit history could not be verified due to a credit report freeze.
I did not request any credit from any institution, my credit is frozen.
I called FNOB, they have no record of my name, no credit application, etc. They did not want a copy of the letter, they were not interested in providing any further assistance to me. They couldn't verify the address listed in the letter to respond to.
FNOB said the Ref # in the letter was not one of theirs.
After I hung up I did go online and report it to their fraud dept.
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| 12/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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I have an exceptional payment history with all my accounts. XXXX, I am using a lot of my credit in order to survive due to Covid-19.
Suddenly and without warning First National Bank of Omaha closed my account, causing my credit score to drop by over 30 points as due to this I am at 121 % of my credit usage.
This will now cause a cascading effect and I am sure other banks will close my accounts.
During this time of the pandemic people use their credit cards as a lifeline to buy food and pay utilities. When a card closes your account like this, in times like these it can cause hunger, evictions and bankruptcies.
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| 05/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Older American |
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statement date XX/XX/19 last bar. XXXX charge XXXX XXXX payment XX/XX/19 XXXX payment XX/XX/19. XXXX statements date XX/XX/19 last bal XXXX late chg XX/XX/19 XXXX late charge was applied because I made early payments I have other cards that recognize early payments made before cycle end and do not make charges.
I was told I needed to understand how there system works. there is not anything on their web site that states that they do not recognize these payments as satisfying a payment due in a statement due out in the next few days.
I was penalized for early payment and payments that far exceeded any payment amount
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| 11/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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First national Bank of Omaha received my XXXX payment of {$110.00} and did not give me credit for it and made my XXXX payment {$270.00} when it should have been {$120.00} at most and ever since the skyrocketed over {$1000.00} now I've offered them cash settlement they will not even talk to me about it they're acknowledging that I made the payment on XX/XX/XXXX but they never gave me credit for it my main statement says I missed my XXXX payment and they charge me late fee plus they're charging me for XXXX payment after I made it and they admitted to the fact that I've made it but they are not giving me credit for it
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| 11/09/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I signed up for a new checking account after being referred to a promotion being offered by XXXX. The bank was offering a {$250.00} sign-up bonus after completing some qualifying activities. I completed those requirements but received no bonus. Customer service tells me this was only meant for residents of Kansas. However, at no point on the sign-up page did it mention that this promotion was only for residents of Kansas. I also have anecdotal evidence of a personal friend who received this bonus while a resident of Colorado. I believe this promotion was misleading or mislabeled and either way, should be rewarded.
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| 08/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/2021 a fraudulent credit card account was opened in my name using information that was stolen from me. The amount of credit was {$14000.00} and the balance remaining is {$13000.00}. I have sent them ( FNBO OMAHA ) FTC reports, 609 letters and other info required in order to prove my innocence. XXXX is still reporting it fraudulently on my credit report and FNBO keeps reporting to them as accurate. XXXX XXXX and XXXX has deleted/removed from my report over 2 months ago and the same information was sent to all 3 credit bureaus. They are in violation of US Codes and falsely reporting inaccurate information.
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| 07/22/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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Credit Card was opened to take advantage of {$50.00} instant cash offer. The card was never received in the mail, but the statement did come 2 months later with some late fees. I attempted to cancel the card and spent over 30 minutes on the phone while representatives tried to sign me up for additional services and subscriptions. At the end of the call, I believe the representative signed me up for a vitamin program I did not want and then disconnected the call. I have tried calling back and the line is disconnected immediately. The bank is First Bankcard. The phone number listed for " customer support '' is XXXX
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| 05/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
Older American, Servicemember |
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Applied for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/23 administered by First National Bank of OMAHA, aka FNBO. They implied they couldn't verify my income because the majority of my income was from Social Security and VA benefits, so I sent them current benefit certification letters for both plus copy of my XXXX XXXX account last statement. In a call from FNBO XXXX XXXX XXXX of FNBO today she said they refused to accept the documentation I provided and continue to turn my application. I have heard from other US Military veterans of such situations, but this is the first time I have experienced it myself.
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| 03/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/XXXX we received mail correspondence from FNBO ( first national bank of omaha ) containing two XXXX credit cards that neither my wife nor myself had ever applied to receive. Further, neither my wife or I have ever been FNBO account holders or FNBO bank customers. I called FNBO to report the incident and they cancelled the account and the credit cards on XX/XX/XXXX. The FNBO representative had no useful information to share on how the cards originated - who had applied for the cards- or why they were sent. The cards were marked " member since XXXX '' but as mentioned, we have never been FNBO customers.
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| 03/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
Older American, Servicemember |
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ON XXXX I requested a replacement card to an existing current established account In excellent standing to date. This was because the card was breaking off the corner, and that the card product was made of poor materials which caused the problem. The company agreed to send replacement asap, but now, has lied regarding the process of replacement.
They also agreed to increase credit limit by XXXX Back in XXXX with out a hard credit file pull of which has not happened.
As of my follow up today, I learned that they want to do a hard pull on my credit files just to send a replacement card?, and think I'm XXXX.
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| 08/28/2020 |
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
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Web |
Older American |
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My credit limit was arbitrarily decreasing by {$650.00} causing credit score.to.tank. my credit score is still around XXXX according to their very own website. They said it was from what I understand to be unsolicited information from credit bureaus. I have been customer 5 or 6.years and have never missed a payment or been late with a payment and was making decent headway into debt despite covid 19. This decrease will start a snowball effect and negatively affect other cards. I am not in danger of defaulting and feel this was malicious and possibly racially motivated due to current racial tensions of country.
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| 06/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On Sunday, XX/XX/2022 I noticed an unauthorized charge of {$99.00} from a gas station in New York on my debit card. I did not make this charge, and have never even stepped foot in the state of New York. I reported the charge that same night, and was told they would reverse the charge and issue me a new debit card. On Wednesday, XX/XX/XXXX, the charge went through anyway on my account. I called my bank again, and they told me that my debit card had been reissued. I asked them why the charge went through when I had already told them it was a fraudulent charge. The woman I talked to told me she didn't know why.
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| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I done a refinance on my home with a credit card pay down XX/XX/2022 a payment of {$500.00} was issued to payoff my XXXX XXXX then XXXX of XXXX I received a late payment with a extra XXXX dollar fee, I called then fnbo, I emailed them a copy of the returned check showing that the check went through my account was more than paid off they said they would straighten it out. Fast forward to XX/XX/2022 Ive had the same call several times but they keep reporting daily delinquent payment to my credit report dropping my score and they keep compiling interest and late fees to the account! Please help XXXX XXXX
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| 05/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2019 I was contacted by First National Bank Of Omaha for the collection of a debt of {$18000.00} and on XX/XX/2019 for {$25000.00}. Both from First National Bank of Omaha. Two separete debts. After going through my paperwork, I was unable to find any contract between First National Bank Of Omaha and I. On XX/XX/2019, I requested in writting a contract with my original signature for both debts, and was unable to receive an original contract with my signature. Then on XX/XX/2019 I received letters from their Attorney. I also requested an original contract between First National Bank Of Omaha and I.
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| 04/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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There was a fraudulent charge on my credit card, which I tried to dispute with the credit card company unsuccessfully. They were lied to and were not provided with all the evidence by the merchant, and my dispute was not resolved. So, I asked the credit card company to close the account. What I was expecting was to receive a new credit card, as had been done in previous years when the account was closed due to theft. Instead, the company closed my entire account and canceled my entire history with the credit bureau, over 9 years. This was not what I wanted and it has negatively impacted my credit score.
|
| 03/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX Card is showing my account 30 days late on all three credit reporting companies XXXX, XXXX and XXXX ) for the very month I paid the card off.
I had a {$7500.00} credit limit and after I paid them off they showed a reduction in my credit limit to {$1000.00}. Both of these reports have caused negative results in my credit score and they refuse to correct the problem. I paid this company every month and was never 30 days late. They charged me an additional {$18.00} one month after I paid them off telling me it was accrued interest from the previous month. I need this information to be corrected.
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| 07/03/2022 |
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
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|
Web |
Older American |
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I applied for and received an XXXX Credit Card backed by the First National Bank of Omaha. I received the card and when setting up my account online, I saw that someone had already fraudulently charged {$270.00} on the card. I contacted the credit card company three times and they refuse to take the charge off claiming I made the purchase. I didn't have the card or my account number when those charges were made so I couldn't have purchased anything. I have contacted the Dispute Specialists on three separate occasions ( XXXX, case # XXXX ), but they keep insisting I made those purchases which I did not.
|
| 01/10/2023 |
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
|
|
Web |
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I received a credit card statement from SCHEELS visa on XX/XX/XXXX. It has a balance for {$8000.00}. There was a charge on XX/XX/XXXX for {$7700.00} made at Scheels XXXX XXXX. There was a purchase on XX/XX/XXXX for {$200.00} at XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX and there was a purchase on XX/XX/XXXX for XXXX XXXX in XXXX XXXX for {$77.00} I have never been to, nor heard of a Scheels before this statement was received. I have never been to XXXX and I did not open this credit card or make these charges. I contacted the credit card company and opened an investigation into the fraud on XX/XX/XXXX.
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| 04/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My account with First National Bank of Omaha became delinquent on late XXXX and was closed on XXXX XXXX. I since called and settled with them.
While I was approaching seven years, they changed the closing date to XX/XX/XXXX, and now to XX/XX/XXXX.
This morning I woke up to see that my close account has been reported late for the past 18 months.
I called to report the issue, the representative decided to yell at me and hang up on me.
Not only this is inaccurate, it is hurting my credit. I am asking that they send a deletion letter to all the reporting bureaus to make this right as soon as possible.
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| 12/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have consistently for several years been stating to XXXX that they are reporting a credit card account FNB OMAHA on my credit report for years, An account that has been closed and charge-off as well for years. Also, an account that I have persisently stated is a fraudulent account. Today they updated my report and stated there was a new late added on to this fraudulent account which has been closed and charged off for several years, causing my credit score to drop 60 points, how is this right? How is LEGAL to continue this BLATANT ABUSE, they ruined my credit over this account, someone please help!
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| 06/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My FNBO card XXXX XXXX XXXX XXXX was used for unauthorized transactions from XX/XX/XXXX to XX/XX/XXXX. My card was stolen. I informed the credit card company on XX/XX/XXXX and they canceled my card and issued me a new card.
I saw that there are fraud transactions again from XX/XX/XXXX to XX/XX/XXXX. I informed the bank on XX/XX/2023 about the fraud charges and they canceled the card and issued me a new one.
I have also filed a police report and informed the same to the credit card company with report number - XXXX The credit card company has not dropped the fraud charges from the my XXXX statement.
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| 03/13/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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On XX/XX/23 I made an internal transfer from one of my savings accounts to another savings account in the amount of {$1700.00}. Only {$700.00} was credited despite showing that the transfer went through in the amount of {$1700.00}.
When I contacted the bank on at least 5 occasions, they advise that {$1000.00} is being held due to " pending verification of funds. '' However, I have over 10x the amount in my various accounts and 5x in the account I transferred it from. In addition, the funds were fully available and cleared prior to the transfer.
I have also lost out on a week of interest as well.
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| 04/24/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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On XX/XX/20 I deposited a cashiers check for {$29000.00} which had been sent to me to purchase XXXX. The bank froze the account. XXXX XXXX XXXX contacted XXXX in the fraud department and he decided it was part of a large scam involving stolen money. This is not true. The money was not stolen and there is no fraud. XXXX told me he would find the rightful owner and I wasn't to bother him. I had been calling him regularly. He threatened to involve the XXXX XXXX if I bothered him again. He offered no explanation for his decision on this. He became quite rude. That money has been held for no good reason.
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| 12/31/2015 |
Yes |
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Web |
Older American |
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I attempted to file a graduation application during " no fee '' period but XXXX computer system did not work, would not allow me to file. XXXX charged me {$50.00} for graduation fee, but then acknowledged in writing that I was not at fault because their computer system did n't work. Merchant now refuses refund. I disputed charge with card issuer First Bankcard, submitting copy of XXXX fee schedule showing no fee due and the email acknowledging I was not at fault. The credit card person apparently either did n't read my letter or did n't understand simple XXXX, and arbitrarily disallowed my dispute.
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| 11/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Recently I noticed unauthorized charges on my credit card account that I have with the First National Bank of Omaha.
Immediately after I noticed unauthorized charges, I contacted FNBO via secure messaging system on their website, but FNBO refused to remove the unauthorized charges.
On XX/XX/2022 I sent a letter to FNBO ( a copy of the letter is attached ) informing FNBO about the unauthorized charges. Today is XX/XX/XXXX, more than 30 days since I informed FNBO about the unauthorized charges on my account, but FNBO has not removed the unauthorized charges and they still remain on my balance.
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| 03/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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They are very XXXX this bank is horible with my Im a victim of Id theft and they refuse their is a guy their XXXX with the fraud dept refuse to help me saying I can never have an account when I filed my complaint with this company about it their president sent me a letter apologizing Telling me I can apply for a card with no problem well i just did and they are XXXX saying no that I cant and thats as high as it will go this bank has to be shut down they treat me like XXXX they approve me then say they made a mistake horible customer service they dont agree with what I say complete dishonest bank
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| 01/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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I have a credit card at first bank card.com/tcf bank. I paid my balance in full by the due date. They still charged me a interest charge of XXXX .I called customer service XXXX XX/XX/2020 and XX/XX/2020 to try and get this charge reversed. They refused to do this. They also said that Ill have another interest charge next month even if I pay the full amount. I feel that this is unfair and that their statement is false and misleading. All of the credit cards that I previously had didnt charge you interest if you paid in full every month. Any help, you give would be greatly appreciated. Thank you,
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| 11/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I have been a customer in good standing with first national bank of Omaha for over 10 years and as of XX/XX/2018, they decreased my credit limit by over {$9000.00} with no viable explanations. This has increased my average balance vs available credit to 53 % and has dropped my score significantly. They cant explain why they have done this but they will not offer a solution. I am a single woman and I am just trying to make ends meet and creditors like this make it hard. I have paid this company on time every month for the past 10 years with only one slow pay which was taken care of immediately.
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| 09/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Older American, Servicemember |
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This is additional information regarding Complaint ID : XXXX.
In their rebuttal statement, they say the card was issued on XX/XX/2023, later in the same long paragraph, they admit I called on XX/XX/2023, because I had trouble with the application. The card was then issued on XX/XX/2023, which puts the shorted discount of the purchase made on XX/XX/2023, within the 60 days. Plus, there was never a fraud claim made and certainly not on XX/XX/2023, as we were getting the application filled out. I think they locked out the log-in because they were tired of getting emails asking about the XXXX?
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| 03/07/2017 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
Older American |
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XXXX XXXX XXXX XXXX called me and represented themselves as working for the federal government. If I qualified for their program ( low income, high debt ) they could erase my credit card debt. So I gave them all my credit card information. They said the process would take three weeks and started by shifting the debt from one card to another. When I later checked what they had done an additional {$2600.00} had appeared among the transfers. I asked the bank that had received this fraudulent charge to delete it, they said they could n't accept it as fraud since I had given them the information.
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| 08/29/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
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I opened up a new account with XXXX which is associated with FNBO Direct where I also have an account. Soon after I opened up the account they restricted my access to my funds and did not notify me. I only noticed when I logged in and it stated my account was restricted. They do not have anyone available to speak with and you have to use chat where they get back to you in 2-3 business days.
They have not responded to why my account funds are frozen. They came from a bank they are affiliated with and I have had for years, FNBO Direct.
This bank seems like a scam and should be shut down.
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| 04/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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XXXX, Excalation Support Manager, failed to recognize a system failure in charging my account a {$15.00} fee for transacting with a vendor associated with gamblingXXXX XXXX This is a state-wide company that accepts credit cards. No notifications, warnings, fine print outlined that any charge with the merchant would yield an alleged " cash-advance '' fee. This is the first time ever that a transaction was made with this company. There was no professional curiosity, courtesy or understanding with this bank representative. He is the lowest of professionals in the financial services industry.
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| 10/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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Today XX/XX/2021 I received a denial letter in the mail. The denial reason had nothing to do with my lack of credit worthiness. The denial reason was identifying information didn't match. My credit score was listed as a XXXX on the letter which isn't the best but definitely worth an approval. I also was approved for XXXX when I pre-approved which is the only reason I even applied. This pre-approval is a misrepresentation and created an adverse action. I received nothing but I am sure XXXX has received compensation for my personal data. I have received nothing in return for my personal data
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| 09/26/2023 |
No |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/, I did an electronic transfer of {$10000.00} from my XXXX XXXX account to a new account at XXXX XXXX XXXX XXXX had frozen my account ( unbeknownst to me ) and the funds were kicked back to XXXX. XXXX can not seem to locate the funds or what happened to them. It has now been 26 days and I still do not have the $ XXXX. I have chatted through the XXXX XXXX and sent emails resulting in over 30 messages. In each message, XXXX says they are investigating and then it goes to a new person at the company. I have repeatedly asked for a phone number for someone at XXXX with no response.
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| 10/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
Older American |
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At my request, my bank First National Bank of Omaha, sent international wire transfer to an account at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX on XX/XX/XXXX from my business account. Later I have informed my bank that it might be a fraud and asked them to contact XXXX XXXX bank to get funds refunded back to my account with First National Bank of Omaha. They informed me that they tried a few times and I have to contact the beneficiary in XXXX XXXX directly, to get he funds refunded back to me. I could not reach the beneficiary as I found out finally on XX/XX/XXXX, that I am a victim of fraud.
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| 11/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I contacted the credit card company and asked about my authorized users. I wanted to confirm who I had listed. And for some odd reason they tried to run my credit. I already have a credit card with them. I wasnt even adding a user I was simply verifying who I had listed. I contacted them immediately when I received an alert that they were running my credit. They sent me to multiple departments within their company. And I was told it would be removed within 10 days because I had not authorized them to access my credit. To this date it is still showing on my credit bureau from XX/XX/2021.
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| 07/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I had XXXX XXXX XXXX credit card from FNBO ( first national bank of Omaha ) bank. The card has a benefit of {$100.00} credit for XXXX XXXX application every four years when applying XXXX XXXX program using this card.
I applied XXXX XXXX on XX/XX/XXXX. The charge posted on XXXX XXXX. FNBO refused to credit {$100.00} after several months ' communication ( called several times, first stated will have to push the credit thru manually, recent call just simple stated the charge does not qualify.
The charge from XXXX XXXX application : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$100.00}
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| 08/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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Called XXXX to dispute a hard inquiry on my credit file. I was informed by rep that they do n't delete inquiries without something from creditor listed authorization and I needed to contact creditor. I contacted 1st National Bank of Omaha on XXXX/XXXX/XXXX. Spoke with XXXX who explained that I could n't call and request anything to send to XXXX regarding this matter. He stated XXXX would have to contact them and request or demand positive proof from creditor rather I have an account or inquired about XXXX. And that there is nothing they have to acknowledge that there is such an account
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| 07/31/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I had informed First National Bank of Omaha in the month of XX/XX/XXXX that i had been taken off work due to a XXXX XXXX i contacted from a XXXX. The representative stated I would receive a letter with a form for hardship. Time passed as my health declined i was transitioned to XXXX XXXX for care. Now over a year later i attempted to buy my XXXX this current month of XX/XX/XXXX and found a levy placed on my bank account that was now at XXXX dollars from my XXXX check as well as a hold on my moms safe deposit box. They had filed suit at the XXXX court with a judgement for {$5200.00}.
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| 08/28/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem making or receiving payments
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Web |
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My savings account was restricted, and XXXX of the transfers I made was cancelled without any explanation. The bank warning stated that if the issue with the restircted account is not resolved within 90 days it will close the account. I tried to contact the bank but the bank does not have any phone service, only online chat and email. I sent a couple of emails and also tried chat but had not had any response. It has been over 5 days now. The bank does not have any willingness to resolve the issue but only wants to close the account. I don't understand this kind of customer service.
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| 02/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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|
Web |
Older American |
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Back in XX/XX/XXXX I pruchased a product from XXXX XXXX XXXX ( appliance ). It was a defective product which they refused to correct so I sued them in Small claims court and won judgement in XX/XX/XXXX. Part of the courts ruling was that I was not liable or responsible for the remainder of balance. Although the terms of contract became null and void, XXXX XXXX showed it as a charge off on my credit. This was back in XX/XX/XXXX and XXXX keeps showing negative on my credit report even though I have disputed this negative report. Because of this XXXX XXXX has lowered my credit limit.
|
| 02/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
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I opened this account app XX/XX/2020. I used the card for a two purchases and never got a statement in the mail. I know I owe the money for the purchases that is not my dispute. ( I have sent in the money to make the account current ).
My issue is two fold 1 ) I was charged numerous late charges 2 ) My XXXX credit score was majorly lowered by 90 points according to XXXX XXXX
I tried to explain this to their collections representative but was told in no uncertain terms there was nothing they could or would do on my behalf.
Thank you in advance for your attention to my problem.
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| 02/18/2023 |
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
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|
Web |
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Someone in FL opened an FNBO credit card ( XXXX XXXX ) in my name. I received a text with a " One-Time Passcode '' from FNBO at XXXX XXXX. Shortly thereafter, an agent from FNBO called regarding the new account. She thought she had been speaking with me as the perpetrator was using some kind of caller i.d . device that projected my cell phone number to her. She was very perplexed and connected me with their fraud department at XXXX. The card was closed. The agent in the fraud department asked that I report this incident to you. My contact information is : XXXX XXXX XXXX XXXX XXXX
|
| 01/13/2018 |
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
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|
Web |
Servicemember |
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OM XX/XX/XXXX WE BECAME AWARE OF A FRAUDULANT CREDIT CARD OPENED IN OUR NAME. WE WROTE AN EMAIL TO XXXX WITH NO RESPONSE.
XX/XX/XXXX - MADE XXXX AWARE OF THE ISSUE BY EMAIL ON THEIR WEBSITE XX/XX/XXXX - CALLED BANK AND TOLD THEM IT WAS FRAUD - THEY ARE INVESTIGATING XX/XX/XXXX - FILED IDENTITY THEFT LETTER WITH FTC XX/XX/XXXX - MAILED LETTER TO XXXX XXXX XX/XX/XXXX - IT APPEARED ON CREDIT REPORT AS NEGATIVE XX/XX/XXXX - XXXX TALKED TO BANK AND " THEY ARE INVESTIGATING '' XX/XX/XXXX - RECEIVED PHONE CALL FROM COLLECTIONS XX/XX/XXXX - RE-WROTE LETTER FROM FTC FOR IDENTITY THEFT
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| 07/20/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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There is a company named XXXX XXXX XXXX that continues to call me and threaten me with a law suit. They will not provide a validation notice and have made threats of lawsuits, coming to my place of employment to serve me, and stating that they will find me through my family. They have personal information about me such as my social and address and it concerns me. They offer a settlement over the phone and say I need to pay them through credit card immediately. This feels fraudulent and I am concerned they may be trying to commit identity fraud or collect debt that is not real.
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| 02/23/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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|
Web |
Older American |
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My credit card stopped working so I contacted the bank and was told I was over my limit. I pay my balance every month and only use the card for small charges like gas once a week. My identity was compromised and over XXXX charges were made in XXXX 2015. The CS rep took the information and I paid the charges I was responsible to pay. I mailed a letter denying the fraudulent charges and made a police report. Several attempts have been made to talk to the bank since discovering the fraudulent charges. I keep getting a new statement showing I still owe the charges and interest.
|
| 04/21/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Servicemember |
|
On our XXXX XXXX credit card statement, there is a line that reads : Paying Interest and Your Grace Period : We will not charge you any interest on your purchase balance on this statement if you pay your new balance amount in full by your payment due date.
On our XX/XX/20 statement, the new balance was {$480.00} with a due date of XX/XX/20.
We made payments of {$480.00} on XX/XX/20 and {$300.00} on XX/XX/20.
This totals payments of {$790.00} prior to the XX/XX/20 due date.
We should NOT have been charged interest on our XX/XX/20 statement but were charged {$2.00}.
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| 12/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Account sold or transferred to another company
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Web |
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I accidentally made an overpayment of $ XXXX to my XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/2022. On XX/XX/2022, the account was transferred to First National Bank of Omaha. According to First National, they are waiting for XXXX XXXX XXXX to confirm my overpayment so they can issue me a credit balance refund check. Their accounting department said the request to XXXX XXXX XXXX 's account department went XX/XX/2022 but that XXXX XXXX XXXX is not returning their calls. XXXX XXXX XXXX won't let me talk to a customer service representative because I am no longer a customer.
|
| 08/10/2020 |
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
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|
Web |
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I received a voice mail today from " XXXX '' at First National Bank of Omaha stating he wanted to verify that I applied for a credit card from the bank. I did not. I attempted to call the bank and speak with XXXX but was unable to do so. The phone number that I received the call from was XXXX which is different then any phone number I have found for this bank. Not sure if that helps or not. I have had ID theft problems in the past with someone trying to open accounts using my information. Luckily I have not had one be successful yet. I would like this to go on record.
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| 11/08/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
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I received a letter from the bank that said I have an account that was put on hold due to unusual activity. The bank provided a XXXX number to call to verify my information. I only provided my name and I denied my SSN because I suspected fraud.
I would not open and never opened an account with another bank that's out of state. I have my local bank that I deal with.
I was told by the customer service representative that my SSN and personal information was used to open this account. ( On the letter that I received, there's the last 4 digits of the account number ).
|
| 04/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
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Back in XXXX I filed police report stating identity theft had taken place. One of the fraudulent accounts was from the bureaus, a XXXX XXXX credit card. It was removed and then all of a sudden it reappeared back on my credit report recently which is fraudulent and reporting in activate an absolute information. Their address is XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. And it has a balance of {$800.00}. Please investigate contact this company and make sure that they never put it back on my credit report because it has resulted in a decrease in my credit score.
|
| 06/10/2016 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
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There was a non authorized transaction on my credit card ( that had a XXXX balance ). The company, First National Bank of Omaha, allowed for the transaction to take place. While I disputed the charge, the company proceeded to charge me " late fees '' in excess of {$100.00}. I now have a negative outstanding item on my credit report with XXXX. I ask that this be corrected immediately. My consumer rights were violated by multiple institutions and I ask for CFPB 's assistance in making me whole. I ask that the item at XXXX be removed from my credit report immediately.
|
| 06/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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First Bankcard, a division of First National Bank of Omaha, charged our business bank account twice for a monthly payment set up on auto pay for XXXX, 2022.
I called and asked they refund the {$12000.00} payment by check and they said they would process this and we would receive a check in 7 to 10 days.
I called 4 weeks later since we did not receive a refund check.
They said I charged a {$35000.00} bill the day after I called for a refund so they kept the $ This was stealing from us.
The {$35000.00} on our account would not have been due until XX/XX/XXXX.
|
| 12/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
An unauthorized payment was taken out of my checking account for {$11000.00} to pay account in full. I contacted the credit card on XX/XX/2020 when I was informed of unauthorized activity on the account. They closed the card and issued me a new number and unknown to me a payment was scheduled at that time. I didnt schedule a payment or authorize it to be taken from my checking account, and I would never have scheduled a payment for the full amount. Whether this was an error by the representative or bank error, I need the funds put back in my checking account ASAP!
|
| 09/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a card from FNBO and I normally keep a XXXX balance since I pay it off every month. I did a balance transfer 2 months ago and they're transferring my debt from the balance transfer queue to the higher rate part of the card. New payments are going solely to the transfer amount at the lower rate and nothing is being applied to the new charges that will all carry the higher interest rate. Per the card act, payments over the minimum payment should be applied to balances with the higher rate- those new charges will carry the higher rate. Please help me fix this!
|
| 01/21/2023 |
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
|
|
Web |
Older American |
|
Well none of your options fit my problem. I went to ask my fnbo card a question but dialed wrong number. I already deleted number. They asked repeatedly for account verification and I told them everything. They made me listen to adds I became enraged and they hung up. In the morning I called the card again to complain of the call. They said I dialed wrong number and they had already declined charges they had put on card from the adds they made me listen to but assured me they would not charge me for but did. Fnbo advised me to file an identity theft report here.
|
| 03/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Hello I opened a XXXX XXXX credit card offered by first national bank of omaha and the credit card was approved and I had online access to the account, however after couple of weeks the bank has blocked by account access without notice and says it says it needs to to verify my account and says that I need to provide notarized documents of my identity, pay slip, address proof and W2 I don't think this is the process a bank should follow in terms of providing access to a credit to a customer and also asking for documents to this extent which is a breach of privacy
|
| 03/18/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
In XXXX I opened a deposit account at XXXX XXXX XXXX for a year that was due to end in XX/XX/XXXX. Since then, the bank has not given me my money. They say I have to wait for the XXXX XXXX XXXX XXXX, Nebraska, to authorize the money they owe me. I go to the bank every day to ask what happened and they tell me I have to wait. They keep giving me false dates as they've told me I should get my money in 2 weeks multiple times and nothing has been sent. They have been telling me the same thing for months now. They have now persisted in replying to me for months now.
|
| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$18000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$3500.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$4800.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : FNB OMAHA AMOUNT : {$20000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX
|
| 10/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
XXXX XXXX their credit card from XXXX XXXX XXXX First National Bank of Omaha XXXX When I paid my XXXX bill I sent the money to XXXX rather than XXXX. After receiving a XXXX statement I paid a late fee & interest because I thought maybe the payment didn't arrive in time. I did not owe the interest or the late fee because it was paid on time just to the wrong bank. I called XXXX times and faxed proof of payment and the collection calls and emails continued. I just got another statement and they are charging me another {$45.00} in interest and late payment fees.
|
| 08/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On Monday, XX/XX/2022 at XXXX XXXX my consumer rights was violated adverse to my interests as a consumer I XXXX XXXX XXXX was discriminated against on my credit card application for a Business secured credit card in the amount of {$2200.00} by First National Bank of Omaha underwriter XXXX, In good faith for exercising my granted right for applying credit under 15 USC 1602, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction 15 USC 1691 please reach out in regards to this matter.
|
| 09/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
My XXXX card includes the benefit of up to {$100.00} reimbursement per year of incidental airline expenses. On XX/XX/XXXX I made two {$25.00} charges to the card for baggage fees. The {$50.00} has not been reimbursed, despite my repeated requests to the issuing bank and the concierge. The official card website ( XXXX XXXX XXXX ) states " Cardmembers should allow 2-4 weeks after the qualifying incidental air travel fee is charged to the Card account for statement credit ( s ) to be posted to the account ''. Obviously that time frame has long since passed.
|
| 05/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I applied for a XXXX XXXX card with First Bank of Omaha for XXXX XXXX. There was a XXXX charge. I moved and told the agent to put the account on auto pay. It was not setup and the XXXX charge turned into a 30 day late payment on my credit report. I have all my accounts on autopay for this problem. It is crazy they are reporting a XXXX payment 30 days late. I have paid the account off. they reversed the late fee. but they are taking their time reversing the late payment. I am now having a hard time getting a house loan for a XXXX fee that was on my card.
|
| 12/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I have the XXXX XXXX XXXX XXXX XXXX XXXX from First National Bank of Omaha and under my XXXX XXXX offer I was entitled to XXXX XXXX XXXX Bonus Points if I spent {$5000.00} or more before the closing of the XX/XX/2023 statement.
According to their terms, the bonus would be posted at the closing of the XX/XX/2023 statement.
I met the requirement in XX/XX/2023 by spending a total of {$5000.00} but I didn't receive the XXXXXXXX XXXX XXXX bonus points I was entitled to in XXXX.
When I called customer service they were dismissive and unwilling to help.
|
| 10/15/2020 |
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
|
|
Web |
Older American, Servicemember |
|
Upon a recent statement check, I noticed an Interest Charge on Balance Transfer. Such said balance transfer was never initiated by me. The Balance Transfer is a fraudulent transaction on my behalf. I never signed a check or authorized a balance transfer. I asked First Bankcard representative to provide a record and proof that such a transaction was initiated by me. The representative quipped that they no longer have a record of the transaction, they " only have a note on the date and amount '' They refused to provide a record copy of the transaction.
|
| 08/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I filed several disputes with all three credit agencies between XXXX 2017 and XXXX 2017. XXXX is the only one still actively reporting that my account with First Bank Omaha is open and carrying {$2500.00} balance. I have called First Bank directly and they claim that they have reported my account closed with a XXXX balance to all three agencies. When I spoke to a costumer service supervisor at XXXX on XXXX XXXX, 2017 he stated when they contacted First Bank of Omaha on XXXX XXXX, 2017 they were told the account was open and over my {$2500.00} limit.
|
| 04/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
Last year I was furloughed from my job due to the XXXX pandemic.
I was called back but it was only part-time until XXXX of last year.
I was also affected by the XXXX storm that hit Texas ( I lost time from work because the business was closed ).
I am behind on some of my bills, but I have tried to make a payment once a month. Last month I made a payment on my account on XXXX, and on XX/XX/24 I received a call from the business at XXXX calling me about my account, telling me they need another payment even though I had made on jus 5 days earlier.
|
| 11/30/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
i have contacted all XXXX credit bureaus to challenge the 100 % accurate and factual reporting of an account showing up on my credit report " THE BUREAUS ( Original Creditor : XXXX FIRST NATIONAL BANK OF OMAHA ) " ...... all XXXX times that ive challenged it has come back verified as accurate ... how is this possible? how are they verifying this? they are not conducting proper investigations is the answer... i have attached a copy of the report with all of the inconsistencies circled ... ..this account has been re aged..this is a major violation
|
| 04/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I am writing to express my disbelief in the methods your organization employs in determining late payment fees accounts. As is evident in the screen shots below, I opened a revolving account with your institution in XXXX. I used the account on XX/XX/XXXX and paid the account balance off on XX/XX/XXXX. When I looked at my statement the amount paid {$660.00} exceeded the amount due of {$35.00}. It appears that I am being penalized for making a large payment and that payment is not taken into consideration if paid before your statement is created.
|
| 03/16/2017 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Web |
|
|
Dear Director : RE : Finance Company Consumer Complaint. / FNBO. / First National Bank of Omaha.
Account Holder, Requested a Small Amount of Fund Transfer From FNBO, To Union Bank.
Despite Requested The Transfer Days Ago, Fund Has Not Been Transferred.
Finance Company, and Other Business Related Late Payment Fees ncuring, and The Consumer Very Concerned.
Kindly Warn The Financial Company, Not To Intentionally Delay The Transfer, Please.
Thank You Very Much, We Appreciate Your Business!!!!
XXXX.
XXXX, CA XXXX.
XXXX.
XXXX -- -- --
|
| 03/07/2016 |
Yes |
|
|
|
Web |
|
|
first national bank sent me a offer for transfer from a credit card with higher interest to there card. I did, and that made my XXXX near the upper limit, so after I had paid it down {$1000.00} they lowered my credit limit {$1200.00}. That makes it show that I am maintaining a high credit limit. After I paid down another {$800.00} they did it again! They are artificialy making me look high risk. This is, I am told is the most looked at fact when considering credit risk. They soliciated me. How can they get away with this bait and switch tacit?
|
| 12/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
FNBO Amtrak Reward Credit Card I can log in to my account, but then there is no option to view balance, make payment, etc. This is the case via XXXX app and FNBO website on a XXXX laptop. When I click " contact '' on website I receive the following message : " 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. '' Other FNBO account holders report similar issues on XXXX XXXX XXXX.
|
| 10/28/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
ON XX/XX/2013 I OPEN A CREDIT CARD ACCOUNT FNB XXXX THE CREDIT LIMIT WAS XXXX I WENT OVER THE LIMITED THE CREDIT LIMITED BUT PAID THE ACCOUNT OFF AND RECEIVE MY XXXX DOLLARS DEPOSIT BACK INFORM OF CHECK AFTER CLOSING MY ACCOUNT WITH THEM MY ACCOUNT WAS REPORTED TO THE CREDIT REPORTING COMPANY AS A CHARGE OFF ACCOUNT AND I HAVE TRY TO DISPUTED AND TRY TO REACH OUT TO THIS COMPANY MULTIPLE TIMES THEY HAVE ADVISE ME THAT THEY CA N'T GET IN TOUCH WITH COLLECTION DEPARTMENT AND DO N'T HAVE NUMBER FOR THEM. I HAVE TRIED AND TRIED AND THEY WANT HELP
|
| 04/12/2016 |
Yes |
|
|
|
Web |
|
|
I have a credit card with FNB Omaha, I 'm unable use a service with the card because I 'm using the card. Makes no sense to me. I have n't been late on any payments, I made a cash advance and XXXX transfer. Since that time my account has still been paid on but I 'm being told I ca n't do another balance transfer because I 've used the card more than they think I should have. I 've had the card for nine months. Got XXXX credit limit increases. I would like to be able to use my offer to transfer a balance. I have XXXX pending offers to do so.
|
| 08/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Everything was fine until I asked to dispute a charge because I didn't receive what I paid for. At that point, I stopped getting any replies to my messages then they restricted my account and I have no way of getting ahold of anyone to find out why it is restricted. Just as with the other issue, they send me a generic " we're escalating this to the appropriate team and they will reach out writing 1-2 business days '' and I never hear from anyone after that. The bank is a virtual bank called XXXX. It is owned by First National Bank of Omaha
|
| 06/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I paid my account in full, no warning showed up that there were any interest charges pending. {$2.00} and some change in interest charges kicked in after I Paid the balance in full. No email or other warnings were sent until I logged in to my account and found out that the {$2.00} was built up to {$26.00} and have been reported on my credit report as late payment. I have two cards with this bank and both of my cards should have been on auto pay but this particular card for some reason was n't on auto-pay but should have been on auto-pay.
|
| 08/05/2020 |
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
|
|
Web |
|
|
I received this credit card in XX/XX/2020. My initial credit card limit was {$9400.00}. As of XX/XX/2020, First National Bank of Omaha decreased my credit card limit to {$500.00}. I have not had any late payments and I have not had any high balances. This is horrible customer service, especially during the pandemic of COVID-19. I contacted the bank and they informed me that I just have to accept this and that there is nothing that they can do about it. I need to be treated fairly and have my credit limit returned to its original amount.
|
| 09/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
they lower credit limit on this date .so low that by me paying the minimun amount i will be going over the limit. now that i spoke to them they said to pay more this way i wont get over the the limit. the credit card that i have was XXXX limit now is XXXX which at that time i had a balance of XXXX, now my credit with interest is XXXX which leave me with XXXX left by me XXXX a month half of it will be paying interest so eventully im going over the limit. i feel this is not right for the consumer it does not leave any room for movement.
|
| 01/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Credit card company forcing arbitration
|
|
Web |
|
|
The First National Bank of Omaha card agreement requires me and the bank to resolve all disputes through only the XXXX XXXX XXXX ( " XXXX '' ).
A dispute arose between me and the bank. I filed a case with XXXX.
XXXX sent me the attached letter, declining to administer the case because First National Bank of Omaha has a history of failing to pay XXXX.
As of today, First National Bank of Omaha continues to list arbitration through XXXX in their card agreement. Clearly, they have no intention of arbitrating when a dispute arises.
|
| 06/02/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I called First National Bank of Omaha in XX/XX/XXXX and made an offer to start making regular payments and when I told the lady how much I wanted to pay she was extremely rude. They did not agree. They have charged multiple fees and then charged interest unfairly including interest on the fees. These fees have made my balance increase {$600.00}. They have been calling my place of employment. They called today XX/XX/XXXX and once before. They are harassing me at my job! I told them to stop calling my job and they just continue.
|
| 09/23/2022 |
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
|
|
Web |
|
|
I opened up a dispute for an account that does not belong to me and it was blocked for few days and returned to my credit again i verified that the address they have on file and on my credit report does not belong to me and i disputed it so creditor just sent the card to address that is not mine and someone used the card and now the card is in closed status on my credit report and has a balance on it that they are helding me responsible for when clearly i sent them proof and ftc report that i dont have anything to do with that card
|
| 05/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
XXXX offers its customers to change the Credit Card design to a design of their choice. Since XX/XX/2022 I have submitted at least five designs based on my XXXX or XXXX XXXX to my XXXX account. All designs have been rejected. When I call, I am told that my design was " Abandonded '' and to choose another design. Today XX/XX/2022 I tried to input a new design and the Website said I was no longer eligible to change the design of my Card. I would like equal Freedom of Expression in my Card Choice design the same as any other customer.
|
| 03/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. An identity theft used my personal information without my permission to apply a loan from the first national bank of Omaha, and theres monthly payment {$490.00} charged from bank since XX/XX/2021. The loan is not mine, I have enclose proof of my identity and a copy of my identity report.
I discovered this XX/XX/2021 and report to XXXX XXXX police department, case no XXXX and federal trade commission case XXXX and sent the report to the bank.
the bank do not stop collect the loan that is not mine.
|
| 11/08/2015 |
Yes |
|
|
|
Web |
|
|
I filed for chapter XXXX bankruptcy and was confirmed in XXXX 2013 and first national bank of omaha was XXXX my creditors. they are reporting late payments and overdue balance in violation of the agreement. i believe this is in violation of the fair credit reporting act and an aggressive attempt to get me to pay a debt that is under bankruptcy protection. i have tried and failed to get any resolution from them and this is destroying my efforts to rebuild my credit and preventing me from doing an fha streamline on my home.
|
| 11/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
- Received a letter on XX/XX/2022, stating that the bank would like to verify some recent activity on my account. In the meantime, they are going to put my account on hold - I called them and spoke to the representative and stated that I never banked with you all and I did not open an account.
- She put in a fraud alert and emailed that department and informed me to log onto FTC.gov to make a report and to contact the three credit bureaus as well as to contact XXXX XXXX First National Bank of Omaha ( Name of the Bank )
|
| 06/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
On XXXX XX/XX/XXXX I received a notification that I was added as an authorized user on a XXXX XXXX XXXX account that made 100 % of payments on time. I thought this was odd and atypical of a fraudulent account so I checked with those close to me if they had added me. My parents recognized the account as one of theirs but had not added me ( I believe this as they have 0 reason to add me and that is their least used credit card ). It came up on my XXXX report as FNB Omaha and has an account opening date of XXXX XX/XX/XXXX.
|
| 04/20/2015 |
Yes |
|
- Advertising and marketing
|
|
Web |
Older American |
|
I recevied a credit card offer from First National Bank of Omaha for 0 % APR on balance transfers for the life of the balance with no annual fee. The balance transfer portion of the account was re-priced to 17.99 % with no prior notice. I had no late payments or over-the-limit transactions. A notice of a {$49.00} annual fee being imposed on the account was also received on XXXX/XXXX/15. I believe these actions are in viloation of the Unfair and Deceptive Advertising Practices Act ( UDAP ), and I 've closed the account.
|
| 01/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Servicemember |
|
First National Bank of Omaha is engaged in deceptive marketing practices. They are sending out mailers that appear to suggest the consumer is receiving a pre-approved credit card application. Only once the " invitation '' application is submitted on their website do they actually disclose the fact that they are going to review the application instead of immediately approve what appeared to be a pre-approved offer. The consumer suffers a hard inquiry on their credit report and does not receive the promised credit card.
|
| 03/28/2017 |
Yes |
|
|
|
Web |
|
|
Hi, My credit card bank ( XXXX ) just close my account recently and report 2 late payment to a credit monitoring company ( XXXX ) witch result to dropping my score from excellent to good..well I always have issues getting my statements by mail and a reported that to them in many occasions, last 3 months they just stopped sending statements and all I got from them is a letter that state my account was closed and about {$75.00} of late fees..i called them to discuss the issue and their response was total ignorance ...
|
| 08/16/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
|
| 09/09/2022 |
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
|
|
Web |
|
|
I checked my credit report on my XXXX XXXX app and I saw in my XXXX Report that a credit card with First National Bank of Omaha was opened up on XX/XX/XXXX in my name. There is a balance of XXXX and the account has been sent to collections with XXXX XXXX XXXX. I did not open up any credit cards with this company so I believe I am the victim of identity theft. I submitted a Dispute to XXXX through the XXXX XXXX app on XX/XX/XXXX and XXXX responded on XX/XX/XXXX saying that the account was not opened fraudulently.
|
| 06/09/2019 |
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
|
|
Web |
|
|
Company Name : First National Bank of Omaha XXXX. XXXX XXXX, NE XXXX.
Cr.Card Account No : XXXX.
Complaint : I have been trying to log in on line to see my Account position and pay the amount. I can not log in instead of my ID and password I have been using for the past 60 months. As for paper statement, some time I receive it by mail, some time not.
Solution I Want : I wanbeent easy access on line to my subject credit card Account as well as monthly paper statement by secure mail.
XXXX XXXX XX/XX/2019.
|
| 09/11/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened an online savings account at XXXX on XX/XX/2023. My account has been restricted and frozen since I opened it and transferred money into it. Ive asked multiple time when this will be resolved and why it happened. The only response is that it is being looked at for fraud and that there is nothing else they can do and they cant tell me when it will be resolved. I transferred over $ XXXX and now its stuck in limbo and I dont know what else to do. I cant transfer money, withdraw money, use debit card, etc.
|
| 04/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Today, XXXX. XXXX, 2023, I received a text message stating that my credit account was limited due to unusual activity. I have been on vacation and have used my card a lot, so I believed that this was legitimate. The message provided a link to a website, which asked for private information, such as mothers maiden name, Social Security #, which I provided.
After this, I called the bank to explain what had happened. The fraud department was able to cancel and replace my cards and refer me to this Gov. website.
|
| 06/29/2023 |
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
|
|
Web |
|
|
My wallet and personal info was stolen in XX/XX/2023. I had filed a police report wit the local police station. The thief was able to access my personal information and was able to verify the activation of the card with the customer service agent on XXXX occasions. There are fraudlent charges on the card in XXXX and XX/XX/2023.
The credit card company is not removing the fraud transactions and is making me liable to pay for the amount.
I have filed XXXX police report with report numbers XXXX XXXX - XXXX
|
| 01/30/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Provide proof that the 15 USC 1691 c ; 15 USC 1642 ; USC 1681M and USC 1692K doesn't apply to them. They denied me of my credit and violated my rights. I stated my credit worthiness and the chose to discriminate me. I have sent 3 notice of their law breaking via certified mail. I explained their actions qualify as an adverse action on a consumer and it is unlawful for any creditor to discriminate against an applicant with any aspect to their credit, withholding access to my securities is securities fraud.
|
| 01/18/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I have two accounts with First National Bank Omaha { FNBO } and have been repeatedly calls me several times a day from 25 or more different numbers with different area codes. I have at least 25 numbers documented and saved in my mobile device. The scheme of changing their number to contact me is both annoying and harassment. If they would stop and only contact via one number I may be more willing to answer the call or make myself available to answer. This tactic needs to stop and I ask that you intervene.
|
| 12/29/2022 |
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
|
|
Web |
|
|
On XXXX XXXX FIRST NATIONAL BANK OMAHA has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
|
| 02/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The account with XXXX was sold to another company called XXXX as of XX/XX/XXXX. All payments were made timely to both companies without issue until I checked my credit score and the account had been reported as '90 days delinquent '. When I contacted XXXX to complain, I was told it was a " glitch in the system that they were aware of and they hoped to have it 'fixed ' by XX/XX/XXXX ''. I have never missed a payment on any account in my lifetime and this negative reporting has impacted my credit score.
|
| 11/26/2020 |
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
|
|
Web |
|
|
I disputed a transaction with merchant XXXX XXXX XXXX in the amount of {$160.00} with FNBO due to flight cancellation. ( As described attached ).
Initially, FNBO claimed that the charge was too old and at a later stage, that since I have already paid for it, I had no dispute rights.
The card issuer is essentially providing contradictory reasons for not wanting to help me dispute a charge for a service I did not receive. Once again, I suspect discriminatory treatment by this financial institution.
|
| 12/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I feel so small fighting this big giant First Bankard. They closed my account without warning in the middle of my mortgage refinance, despite me paying on time. I know they have the right to do this but I dont think its fair and just hence the reason am complaining.
I spoke to their nice rep but she cant do any help despite me offering to pay off 80 % of the amount owned. Pls I just want them to re open my credit And so I can proceed with my Refi. Thank you I hope we all have a very happy holidays.
|
| 10/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I received a correspondence today, XX/XX/2023 that I paid {$140.00} or so and that I have a XXXX balance, I always verify as i dont trust this firm as had problems prior when I filed a complaint against FNBO .
I called the number on the card XXXX at XXXX hours and went thru the promps... .says I do not have an account, this is news to me.
Then i was put on hold to find out why I do not have an account anymore.
Never got thru after hold time of over XXXX minus, what is going on over there?
|
| 05/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
DIRECT DEPOSIT for XX/XX/XXXXXXXX XXXX did not arrive for me to pay my bills this month due to XXXX error with routing number according to XXXX customer service agent during discussion today, XX/XX/2022.
Correct routing is XXXX XXXX payment was reversed from XXXX due to routing number problems. Notification today XXXX XXXX XXXX
Identity was stolen or duplicated in XX/XX/2022 requiring an initial fraud alert to all 3 credit bureaus caused by XXXX lack of security with credit card ending XXXX
|
| 08/23/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I was denied a savings account per email they had sent to me as of X/XX/2017 at my XXXX.
They denied me a savings account they said due to not being able to verify my identity. The questions except for one pertained to me. The questions asked to verify me had nothing to do with me personally and were mortgage or debts or loan questions pertaining to my deceased relatives.
I feel the questions were unfair as they had nothing to do with me and thus was denied a savings account with FNBO XXXX.
|
| 11/28/2022 |
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
|
|
Web |
|
|
First National Bank of Omaha acquired an account from XXXX XXXX XXXXXXXX. I was unable to make a payment to XXXX XXXX XXXXXXXX XXXX XX/XX/2022 because of the acquisition. I have not received a card or a statement from XXXX regarding a payment due XX/XX/2022 and had no account information and so could not proactively make a payment. My first official contact with them was the following statement indicating a late payment and penalty. I am currently on hold with them trying to address the issue.
|
| 05/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
In XXXX XXXX , I applied for FNBO Travelite car d and I was rejected b y FNBO ( First National Bank of Omaha ). And I respect their decision based on whatever criteria they used. However, in XXXX XXXX I received an exclusive invite from FNBO to ap ply for the same card with a custom invitation code. I applied and was rejected again. This rejection is not only completely misleading but also adds an unnecessary hard pull to my report making it harder for me to get credit elsewhere.
|
| 03/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
I have never been late with my XXXX XXXX. I did not receive statements around XXXX and when I became aware of a past {$41.00} balance I paid immediately on the phone. I do not know where my statements were going or if they were ever sent. I am disputing a late report to credit bureaus because I was never late. I recently changed several credit cards from online statements to paper statements because I was not receiving statements. XXXXXXXX XXXX could not tell me if this happened to this card.
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/ submitted a XXXX two police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The Company FNB Omaha verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times..
I have a Police and FTC report XXXX deleted it, XXXX and XXXX still show it I have been passed back and forth between the credit bureaus and FNB Omaha each of them blame the other this is very frustrating thanks for your help
|
| 10/18/2020 |
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
|
|
Web |
|
|
In XX/XX/XXXX, I received a letter of First National Bank mentioning that I have a credit card of XXXX $ on my name BUT I never contracted this transaction. So someone used my personal informations. The period of which this transaction was contracted, I was not even in the USA, I was in XXXX. I haven't signed up for this transaction.
I called this bank, I asked them to block this card which never been in my possession. And then I did an offense report ( XX/XX/XXXX ) at police department.
|
| 06/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an open and active account with the First National Bank of Omaha and have had the account for XXXX years and XXXX months. The card is reporting to the bureaus that the account is closed when it is an open/active account. This improper reporting is affecting my credit age so it looks like I have just started receiving credit XXXX year ago instead of XXXX and a XXXX years ago. I have reached out to the lender and made disputes with the credit bureaus and no one has made any changes.
|
| 11/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
XXXX indicated an 'alert ' message on one of my credit cards showing my Credit Score had gone down. In reviewing my credit report from XXXX on XX/XX/2018 I noted a report called FNB OMAHA # XXXX with a balance and delinquent charge of {$47.00}.
I have no idea what this is about nor have I received any information from FNB OMAHA.
This account must belong to someone else or my own account has been hacked. Please help me to resolve this issue. Thanks so much. Let me know what I need to do.
|
| 11/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Hello, I went through the pre-approval process online and it said I was pre-approved for a personal credit card. I have an XXXX XXXX XXXX but was denied. The reason given was ( identifying information does not verify. ) I called them and verified myself over the phone and wanted to know what specifically they here having a problem verifying and i would send proof but they would not tell me. I already have a business credit card with them so I know I must be verified and in their system.
|
| 07/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
so I was trying to make a purchase with my debit card online and it was declined, I am aware that it would have been an overage but that is what my over draft protection is for I thought, I had to get a new account because my wallet got stolen and my acct and routing number was in there, and when I got this new acct my overdraft protection was apparently put the same as my old acct but with my old acct I could overdraft up to {$100.00} and it would still approve it without any problems.
|
| 01/25/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I received a charge on XX/XX/XXXX on an account that had been closed in XXXX of XXXX for the amount of {$26.00} for a purchase made out of state. I had previously spoken with FNBO and was told that the fraudulent charges would be removed. When I questioned how this happened, I was told that it is company policy to issue a new card in a cardholder 's name when an account has been closed. Without the cardholder 's knowledge. Now the charges still exist, and they expect XXXX to pay them.
|
| 04/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX are continuing to report negative with a balance on an account that was included in my discharged Chapter XXXX Bankruptcy DOCKET XXXX.
It even shows on my report it is in bankruptcy but they are in clear violation of the Bankruptcy courts. I have disputed it and they claim it is valid & XXXX sent results showing valid so they are in violation. It is absolutely not valid and I have contacted my Bankruptcy attorney and I will be taking legal action.
|
| 04/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint.
I have never done business with the First National Bank of Omaha. This account was opened due to fraud.
|
| 11/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX.
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XXXX XXXX, 2020, FNB OMAHA add a hard inquiry on my credit report per XXXX.
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.
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I check my scores twice a day. Ive notice that my XXXX score was do to rises but it didnt not Ive also notice that from the FNBO complaint my middle score was XXXX. My score has not return to this level. Its seem to me that achieving an XXXX score no matter what I do these companies just in fact, that this is more do to rascal then to reporting correctly. As a XXXX consumer I fill that these companies do not report correctly and will do what is need to hold my financial goals back.
|
| 06/03/2022 |
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
|
|
Web |
Older American |
|
On XX/XX/2022 I received a letter from XXXX welcoming me to their XXXX XXXX XXXX XXXX credit card. BUT, I never applied for this credit card.
The letter did not include a card, but it it told me to call and activate the card. I called their customer service telephone number on XX/XX/2022 and informed them that I did not apply for the XXXX credit card and that I wanted to report fraud. I spoke with XXXX and she informed me that she would designate the credit card account as fraud.
|
| 09/15/2016 |
Yes |
|
|
|
Web |
|
|
I set up the credit card for auto pay. The user interface at the Web site ensured me that the card was set up for AutoPay for entire balance each month the card became due. Attempts to pay the balance were met with the Web site warning " Your account is currently set up for AutoPay ''. The card issuer did not process the AutoPay payment claiming they do n't do it the very first month it 's set up, which resulted in late fees and interest charges I specifically wanted to avoid.
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I AM VICTIM OF AN IDENTITY THEFT, I DON'T KNOW WHO BUT SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME, THE CHARGES THE PAYMENTS ARE ALL FRAUDULENT. I NEED THIS ACCOUNT TO BE REMOVED FROM XXXX XXXX CREDIT REPORT AS IT IS ONLY REPORTING ON THAT BUREAU. AGAIN THE CHARGES, THE PAYMENTS NEVER CAME FROM ME. IF THE PAYMENTS CAME FROM A BANK ACCOUNT UNDER MY NAME THAT IS ALSO A FRAUDULENT ACCOUNT. I HAVE SUBMITTED MY FTC REPORT TO XXXX XXXX NUMEROUS TIMES.
|
| 04/25/2019 |
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
|
|
Web |
|
|
XXXX are incorrectly reporting me as an Authorized User on the FNB OMAHA Credit Card partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called FNB Omaha and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
|
| 10/01/2016 |
Yes |
|
|
|
Web |
|
|
I applied for a credit card as well as a mortgage loan and was turn down when at that time when I applied for a mortgage with a XXXX XXXX and I was turn down and now a simple credit card I was turn down all because I think of my race all because I 'm a XXXX man who work XXXX jobs and no criminal back ground and a honest paying tax payer so how in the XXXX I do n't get approve shaking my head on this matter ... ..I think I need to sue everyone that 's involved in this set back
|
| 06/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
THERE ARE 2 FRAUDULENT ACCOUNTS UNDER MY NAME, I DIDN'T AUTHORIZE THESE ACCOUNTS TO BE OPENED, I DIDN'T APPY FOR THEM. I HAVE TRIED TO CONTACT THE CREDITORS, THE BREAUS BUT I CAN'T SEEM TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. BOTH OF THE ACCOUNTS WERE OPENED BACK IN 2021, WHEN I WAS IN THE HOSPITAL. THE CHARGES ARE THESE ACCOUNTS ARE NOT MINE, THESE ACCOUNTS ARE NOT MINE, I DON'T KNOW WHO ELSE TO GO TO TO GET THESE ACCOUNTS REMOVED ONCE AND FOR ALL.
|
| 03/25/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
TO THE FACT I AM FEMA AND NEW MOTHER XXXX THEY OVER COST ME XXXX FOR EXTRA FEES FOR NOT ADHEREING TO THE SCEDULED PAYMENT DATED ; AND THEREFORE IN XXXX XXXX XXXX XXXX THEY OVER COST ME AS MUCH AS XXXX XXXX AND I NETWORK AND I SWEAR ILL NEVER SUPPORT THIS XXXX AGAIN IN XXXX AND IT WAS UP XXXX AFTER ALL ADDITOINAL THIS YEARS FEES OKAY THEY SAID MAYBE YOUR ID IS THEFTED AND WE DON'T APPROVE YOU THEN IN XXXX FOR DISPUTES TO DISPUTALS FOR NOT EVERY ANYTHING EVER AGAIN, RUINED*
|
| 10/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
For approximately the past two months I have been harassed by First National Bank. They leave messages for a person other than me to contact them. I am not that person, and I have had this phone number for the past 15 years at least so most likely that person never had my number. I answered the harassing call once and advised the person on the other end of the above but the harassing phone calls have continued. Most days they call twice per day, sometimes 3 times per day.
|
| 08/15/2022 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I sent a complaint to FNB OMAHA on XX/XX/XXXX and they have not responded back within 30 days. They are reporting false information about a debt in which I was a victim of identity theft. Account opened on XX/XX/XXXX and the remaining balance is {$13000.00}. My Id and social was stolen from me during a theft and since then multiple fraudulent accounts were opened including said credit card ( FNB Omaha ). Please investigate and have them remove the fraudulent information.
|
| 08/27/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I noticed an article today about Bank of Omaha, and their illegal credit card practices. I am so glad you nailed these guys. They basically ruined my life when they added me to my wife 's credit card account. When the strain of the fees and charges broke her, it took me down as well, causing us both to lose our house, bankruptcy, and nearly our marriage. This was about 7 years ago or so. Any discomfort you cause them, know they deserve all of it, and probably a lot more.
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
A few day ago first national bank called me and left a voicemail and said I was going to jail if I dont sign a paper stating that I will come to court they said they have my job address and there coming to serve papers at my job within 24 hours they called me more then twice they sent me fake court papers to be in court on the XXXX and that was on a Sunday and they called my son house asking questions about me and your not suppose to call no one but my significant other
|
| 10/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
On XX/XX/2023 I received a letter in the mail from FNBO that was dated XX/XX/2023 The letter is addressed to me a name, saying that some recent account activity has been put on hold until I called them, and I will not be able to withdraw funds in the account. I called the XXXX number and talk to a young lady I did not open this account. I do not bank with them. She advised me to call credit XXXX XXXX XXXX XXXX and XXXX XXXX and then also go on ftc.gov and report fraud
|
| 07/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I want FIRST NATIONAL BANK OF OMAHA to remove all late payments from my credit report.
I'm aware my non-public personal information ( such as negative information ) should not have been disclosed to any non affiliated third parties, such as debt collectors or Credit Reporting agencies without my lawful consent.
I ask that FIRST NATIONAL BANK OF OMAHA remove all information from my credit report, I was never given the opportunity by FNBO to opt of credit reporting.
|
| 06/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
A debt collector from ( XXXX ) XXXX called me at my work phone number and cell phone number. They says that they are collecting for Bank of Omaha.
They never attempt to send me a notice because they do not have a mailing address for me. I asked them to contact who they are working for and get the mailing address they attempt to send mail to.
The debt collector refused to contact the bank to get a mailing address. They threaten to leave voice messages on my phone.
|
| 02/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and FNB Omaha. The Account Opened is FNB Omaha Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$18000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
|
| 06/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Payment electronically sent from my checking account to credit card account on XX/XX/2018 ( due date XX/XX/2018 ) but was not received by credit card company until XX/XX/2018. I incurred a late fee and interest charges as a result of the late payment. My bank would not accept any responsibility for the payment taking 8 days. Credit card company would only reduce late fees and interest charges by 42 %. I asked my bank to cover the remaining charges and they refused.
|
| 12/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American |
|
On a recent trip, I responded to an offer from XXXX XXXX for their card which is apparently offered by something called fnbo ( yeah that's all it says ). I was surprised to be rejected ( it's been decades ) and then started getting credit card and loan offers from XXXX and I assume there will be others. While I don't want the card, I want to record this in case there is a pattern of bad behavior with this outfit. I'm hoping I haven't stepped in a data trap.
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
|
| 08/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Hello, I signed up for a credit card from the First National Bank of Omaha.
I was not properly notified of a {$39.00} annual fee. They claimed that they had notified me, but they had not.
The gentleman on the phone claimed that a warning of this fee was e-mailed to me a month before, but if you look at the screenshot I sent, there is no mention of that.
I tried to get them to waive or reverse the fee, one day after it was charged, but they would not.
|
| 08/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I cancelled the credit card within 30 days of getting the statement with the annual fee on it. The bank refuses to remove the fee because they say the card was used after the fee was posted. However, none of that matters. All that matters is closing the card within 30 days of getting the fee. The bank must remove it, and unless this gets handled very quickly, they will also need to remove any other fees associated with not removing the annual fee on time.
|
| 08/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
XXXX XXXX, which can be found at XXXX XXXX XXXX denied me an account with them. I asked them which checking reporting service they use, because I am entitled to a free checking report with them. They told me they can not provide this information. I believe I am entitled to this information. I was able to eventually get them to tell me that they do not use XXXX XXXX, but I was booted from the app before I was able to ask for their actual reporting vendor.
|
| 03/27/2016 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
I have repeatedly Tried to get the First National Bank of Omaha to correct it reporting of my account information to the XXXX major credit reporting agencies. In every instance, they failed to correct their miss- information. XXXX says they have checked the information but that is an outright lie because if they had it would have been changed. Their actions have a major impact on my credit score and should be changed to reflect the current status.
|
| 02/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
i contacted this company to resolved my problem, but unfortunately was impossible because they should relief us the interest and payment due to be in disaster area of hurricane " Irma " in XX/XX/2017 as the federal government establish.
so this bank First National Bank Omaha in my account XXXX XXXX XXXX XXXX charge me interest in this period with not relief at all.
i want to report this issue in other to advised others in this problem thank you
|
| 11/08/2022 |
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
|
|
Web |
|
|
On XX/XX/2022 I had submitted a complaint against FNB OMAHA inquiry on my XXXX Credit report ( Cfpb Complaint # XXXX ). The original date of the inquiry was XXXX XXXX. The company did respond on or around XX/XX/2022 that they will send a request to XXXX to have the inquiry removed.
Upon checking today, XX/XX/2022, the inquiry still remains on my XXXX Credit report. I would like this Inquiry removed ASAP as FNB OMAHA had promised.
Thank you.
|
| 02/14/2017 |
Yes |
|
|
|
Web |
|
|
My complaint is against First National Bank Omaha. They have not sent me a statement in 3 months and have blocked my access to my online account. My username & password do not work & wo n't let me set up a new one. I have sent a payment, they claim they did not receive it. There was a {$500.00} credit to my account, and I can not find out if it is in my account or not because I ca n't see my account. they are pulling payments out of my account.
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On or about XX/XX/2023 I requested documentation to establish a clear legal or equitable right to make a claim on account they are reporting on my consumer report and requesting claim for acct XXXX. This isn't the first or 2nd time, XXXX XXXX keeps reporting improper on my consumer report. Also I requested the same information from First National Bank of Omaha ( FNBO ) for accounts XXXX & XXXX. FNBO still have not responded to my requests
|
| 11/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Applied for Credit and Found an account with FNB Omaha that does n't belong to me ... .contacted FNB of Omaha and the say that they do n't have a credit card account with my name or social security number or birthday. File complain with XXXX and they came back and said that FNB of Omaha said account was correct.
I call back to FNB of Omaha again and the same result that they have nothing in my name but continue to report on my credit file
|
| 09/10/2018 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
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I have lodged disputes with XXXX XXXX, First National Bank of Omaha, and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
|
| 09/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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They sent duplicates of my card to an old addresses that should not have been on file still. Then shut both cards down without notifying me of anything. I have now tried to order the card multiple times and have still not received one. I have talked to supervisors and others at the bank and feel passed around. I feel my security has been at risk because of what workers they have and the protocols that have been established by the bank.
|
| 09/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I have been locked out of my credit card account by the company due to security check for an unidentified reason. There was no fraudulent charges and hardly any charges on the account. I am unable to reset password online and they refuse to do verification/security check over the phone, yet they are happy to take a payment over the phone with no security check. I have no access to the account nor am I receiving monthly statements.
|
| 05/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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Credit Account with First National Bank of Omaha incorrectly froze account despite on-time payments, because of accidental payment from incorrect account. After fixing the issue, was told account would be unfrozen ( despite that it should never have been froze in the first place ) then told it would be unfrozen after 3 consecutive payments, now being told to wait till XXXX. Despite being told it would be ok on XX/XX/26 then XXXX.
|
| 01/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX, XXXX, and XXXX any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
|
| 08/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
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One or about XX/XX/XXXX I received a voicemail from first National Bank of ohama. I returned the call, told them I havent used the card in a while why should there be late charges. A payment was made in the billing cycle yet they still charged a late fee.
Since XX/XX/XXXX I have received 6 messages telling me to call them. They were from a robocaller. Also of note the number they called was my work/cell phone number.
XXXX XXXX
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| 09/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
|
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XXXX XXXX XXXX XXXX, represented by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO has sued me for credit card debt that is more than five years old. The debt was incurred prior to XXXX, XXXX, and we have 2 scheduled court dates for XXXX and XX/XX/XXXX.
I have had no contact with any person or company in regard to this debt since early XXXX.I have never been contacted by XXXX XXXX XXXX XXXX.
|
| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I got an alert for a missed payment from XXXX XXXX regarding FNB OHAMA account. However I have no knowledge of this account. I called FNB OHAMA credit card department on XX/XX/2022 and spoke to a representative her name is XXXX her ID number is XXXX. She said I dont have an account and or no business established with Them. Please I need this matter resolved and taken off my credit report because it reflects a negative mark.
|
| 08/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of XXXX XXXX. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor and the credit bureaus, as willful non-compliance. XXXX XXXX XXXX Open Date XX/XX/2012 Balance {$0.00}
|
| 10/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I have been a victim of Identity Theft. I never lived in XXXXI have reports from Federal Trade Commission and the Police to prove that my identity was stolen and I never took out any loans. The debt collection company refuses to have my file reconsidered and removed. I have multiple reports from other banks acknowledging that they concluded investigation in their favour and proved that I was not responsible for those loans.
|
| 10/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Hello well on XX/XX/2023 I put my money into XXXX XXXX and al.ost immediately they froze everything which that's all the money I have. I have repeatedly contacted them on live chat, email and in calling asking why my funds are frozen and for how long and in every case I get the same answer you will be contacted by our investigation team and still nothing. At this point on XX/XX/2023 it will be 45 days since they did this.
|
| 03/22/2018 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Good morning all, I have two credit cards that were opened in my name. These are not my accounts due to someone opened these accounts without my knowledge. I am disputing these charges and the credit card companies are moving forward trying to collect the money owed on the accounts. I have filed a complaint with the Federal Trade Commission. I want these accounts taken off my report as I'm not responsible for the charges.
|
| 02/04/2024 |
Yes |
- Checking or savings account
- Other banking product or service
|
- 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
|
|
Web |
|
|
On Wed XX/XX/XXXX I got a text saying {$98.00} for XXXX plus membership was charged on my card. It first national bank of omaha card. I marked it as unauthorized charge cause I didn't make the charge cause I didn't buy a membership from XXXX. Someone had a copy of my card. I called the bank and closed my card and there sending me a new card. I just want my {$98.00} back on my card or account which idk if the bank can do.
|
| 11/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
I have a loan through first national bank of omaha that originated in XXXX of 2007. The loan was for XXXX. I have been paying XXXX a month for the last 9 years for a total of XXXX in payments. I checked my statement as i am interested in selling the house the loan is on and I still owe XXXX. So out of the XXXX in payments only XXXX went to principle. I was not made aware during the agreement that this loan was so insane.
|
| 02/07/2020 |
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
|
|
Web |
|
|
Monthly payment {$100.00} OpenedXX/XX/2019 ( 11 mos ) 2019 Last payment XX/XX/2019 Current Payment Status 120-149 Days Late Amount past due {$520.00} Worst Payment Status 120-149 Days Late I have contacted the creditor multiple times and tried to explain my financial situation in regaurds the missed and late payments. Time and time again i've gotten no sympathy and negative remarks have been left on my consumer report.
|
| 09/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I received a message on my XXXX account saying I was pre-qualified for this card. I received a hard pull on my credit report, which resulted in my credit score dropping several points. I was denied, DESPITE the link saying I was pre-qualified. I would NEVER have applied for this credit card if it had n't told me I was pre-qualified, because I do not like getting hard pulls that lower my credit score only to be denied.
|
| 04/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Received a summons to appear in court for a credit card that was never opened by me which can be verified by my credit report. Never received notices just went straight to a summons. The summons only included the last 4 numbers of the account and no transactions except a {$25.00} payment. I am going to send a certified letter to collections company regarding validation of debt and a letter to the credit card company.
|
| 11/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American, Servicemember |
|
I had a XXXX XXXX card with XXXX. First National Bank of Omaha took over card. Never had a late fee or interest payment in a decade or more with XXXX. As soon as First National/Omaha took over card had fees every month. Finally went to Post Office and was told First National was returning my bills as undeliverable even though I sent them back in their return envelope. So then they'd charge me late fees and interest.
|
| 05/29/2018 |
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
|
|
Web |
|
|
Requested the Method of Verification to XXXX XXXX XXXX. XX/XX/2015 ( 2 yrs, 9 mos ) Account status Open Type Factoring Company Account ( debt buyer ) Responsibility Individual Account.
Remarks Consumer disputes this account information Collection account Original Creditor Name FIRST NATIONAL BANK OMAHA Closed No Info This is Identity fraud ive done police reports, and FTC.GOV XXXX is continuing to report this fraud
|
| 02/17/2017 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
Older American |
|
Someone obtained my credit card # fraudentally. I notified the bank and was told they cancelled the card and would remove the charges. However, they have not done this as charges keep appearing. When I call I am told I never reported the charges as fraud but it will be done. After 6 phone calls, each time being told 1. I never reported the fraud and 2. I never reported the charges as fraud, I am filing a complaint.
|
| 08/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem getting a card or closing an account
- Trouble getting, activating, or registering a card
|
|
Web |
Older American |
|
received unordered/unauthrized debit card from XXXX of XXXX ne XXXX a subsidiary of first national bank of omaha . it is phone app only and can not contact via phone. can not use phone app as i am too old to manipulate. trying to 1. find out why i got card. 2. any $ on card? 3. possible breach of data? 4. maybe id theft? 5. how to cancel. contacted XXXX via e mail many times, no responses. contacted FNBO- no help,
|
| 12/07/2016 |
Yes |
|
|
|
Web |
Older American |
|
I used my First Bankcard credit card to purchase {$50.00} commissary voucher to a prison inmate. My credit card has charged my account {$15.00} as a cash advance transaction. I requested to the customer representative XXXX, then to the supervisor XXXX that the {$15.00} fee be waived because I did not consider the transaction to be a " cash advance ''. My request for the fee " one-time '' to be waived was denied.
|
| 12/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
I received checks with my name and ( former ) address on them from FNBO via Deluxe. I have never used this bank nor did I request any checks. I also received a letter from the bank stating that they placed my account on hold due to suspected fraud. I called and they said that an account was opened with my personal information on XX/XX/2023 but that since hearing from me they would be sure to close the account.
|
| 12/24/2021 |
Yes |
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
During the closing of my home in XXXX of 2015, I was never given an opportunity to opt out of having my personal, non public information furnished to third parties. I also did not receive a conspicuous disclosure, stating that they would furnish private transactional information in regards to my account to third parties. This is a violation of 15 U.S.C. 1681b. ( a ) ( 2 ), 15 U.S.C. 6801., & 15 U.S.C . 6802.
|
| 10/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I always verify my account info as i dont trust this firm as had problems prior when I filed a complaint against XXXX XXXX
I called the number on the card XXXX at XXXX hours and went thru the promps... .says I do not have an account, this is news to me.
Then i was put on hold to find out why I do not have an account anymore.
Never got thru after hold time of over 30 minus, what is going on over there?
|
| 09/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
In the first week of XX/XX/2023 I received a {$17000.00} transfer. The money is still sitting there because my account has been " restricted ''. I can not access the money, I can not see a statement, and I can not close the account. I looked on their page on XXXX and was dismayed to see that this is a pattern with them. I want access to my money, and am sick of form letter responses that off no resolution.
|
| 09/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I am very upset I had a dispute with FNBO and their agreement said all disputes need to be handled through arbitration now theyve failed to respond to arbitration and not only are the in Breach of contract but it seems the arbitration court says they will not be hearing any case for First National Bank of Omaha ( Which indicates that the bank is in breach of contract with each and every customer they have.
|
| 01/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Had XXXX card for gasoline, XXXX discount at pump. XXXX ended program. First National Bank of Omaha was card issue. Sent new card, not interested in card, never activated, never used. Billed XXXX in fees. Payed fee and closed account on XX/XX/XXXX. Billed again on XX/XX/XXXX for XXXX for fees on card never activated, used or requested. Why is FNBO charging fees on card never activated, used or requested??
|
| 11/28/2018 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account FNB OMAHA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FNB OMAHA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 09/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I received my monthly statement for the billing cycle that closed XX/XX/18. Upon opening the statement I noticed that I had been billed a {$19.00} annual fee. I contacted FNBO on XX/XX/18 and asked for the fee to be waived or for them to close the account and waive the fee. I was told that even if I closed the account I would be responsible for the fee. I asked for a supervisor and was told the same thing.
|
| 05/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I have received a letter informing me my account has been closed and the only reason listed is excessive credit reporting agency inquiries. I have over 14 years of clean credit no missed payments and pay over the minimum. They should not have closed my account due do 90 % of the inquiries were my car shopping. I have over XXXX in open credit and on way a risk, their unwarranted action has hurt my credit.
|
| 09/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I attempted to transfer money out of my account because they didnt have phone numbers and response took forever. There was no way to escalate an issue or even call them. When I went to transfer money out they froze my account for fraud. But yet havent contacted me.
I tried to transfer the money out on XX/XX/XXXX. In the amount XXXX twice.
The bank is a subsidiary of First National Bank of XXXX, XXXX
|
| 04/20/2023 |
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
|
|
Web |
Older American |
|
SEE Email Attachments XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Application - XX/XX/XXXX - Hard Credit Inquiry on XXXX - Unknown Source- I did not apply for a credit card with XXXX XXXX XXXX XXXX Card application - XX/XX/XXXX - Hard Credit Inquiry on XXXX - Unknown Source- I did not apply for a credit card with XXXX XXXXXXXX XXXX Please remove all Credit InquiriesPlease investigate this fraudulent activity
|
| 07/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I went to refinance my vehicle when I got my credit report, there were charge offs and credit cards on my report ive never had, plus a lot of hard inquiries. I called all creditors and they said i needed a police report. I filed report but XXXX XXXX wants me to get put on report that no payments were made because they said some payments were made but officer said no way to prove I made no payments.
|
| 11/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
FNB Omaha Credit Card closed my account without my consent. Had no issues with account, no late, no negative marks. Company proclaims previous discrepancies algorithms to determine closure. By doing this it may impact my credit report, my credit score has increased and improved, no real true reason but to close my account, other than coded remarks. Will never do business with this institution again.
|
| 03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
XX/XX/2023 I applied for XXXX XXXX credit card I was approved and I received a letter immediately after that they are closing my account without giving me a reason other than a vague reason indicating that my account and potentially be risk Ive called fraud prevention to find out why they closed my account as a concerned consumer, I would like to know the reason and I am given no reason whatsoever.
|
| 01/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
The incompetence here is staggering, now i realize why i never got the first card and now won't get the second card as this bank never put my appt number down, thus i was even lucky to get my bill.
Talking to XXXX now, about the incompetence here at FNBO. ( XX/XX/2023 ) She placed me hold. now getting a third card that who knows if i will ever get.
What does it take for them to get it correct?
|
| 04/12/2022 |
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
|
|
Web |
|
|
In XXXX of XXXX I paid off my balance with XXXX. I failed to realize that I didnt cancel a reoccurring charge and missed a payment date of XX/XX/2022. As a result XXXX decreased my credit limit by {$6000.00}. They stated the primary reason in doing so was because I missed a {$60.00} payment right after paying over $ XXXX the end of XXXX. This dramatic decrease is and will impact my credit score.
|
| 01/06/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have attempted to contact this company several times about this debt in the amount of XXXX but the correct amount is XXXXXXXX. I spoke with someone and they advised they could not show payment history due to it being charged off but are still collecting funds without third party. I have contacted the 3 credit bureaus and they have been unsuccessful with getting this debt removed or corrected.
|
| 08/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have tried several times to have chargeoff removed from my report, XXXX XXXX XXXX has reported an account that I was never aware off without any warning, My Legal name is XXXX XXXX and they have me as XXXX XXXX, Not one letter has never been mailed to me and I have never opened a XXXX acount, Please remove ASAP as this matter has effected my life and is currently effecting my future.Thank You.
|
| 02/01/2023 |
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
|
|
Web |
|
|
On XX/XX/2023 I went to purchase an XXXX ticket, and I was going to inquire about a credit card. I never submitted the application yet received two separate credit cards in the mail. I called to get them canceled & inform them about this issue. They said even though the website was having issues & kept refreshing they couldnt do anything about it. I was told to contact this resource for help.
|
| 02/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There has been a credit card application that was applied using my name. When I go by and use a different name. It was made on XX/XX/23. I did not apply for a this FNB Omaha credit card. It was denied thankfully but it wasnt me that applied for it. I have called XXXX and they told me to report this through here and submit my report form this to them with my ID confirming my current address.
|
| 12/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Due COVID-19 has a hardship from XX/XX/20 to XX/XX/20 I was not working and got sick, which cause me to fall behind the following dates : Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I have called to see if they can see if they can help me get back on track. The account is closed and I am making my payments on time. They told me to do a dispute so they can get removed from credit report.
|
| 01/10/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I downloaded the XXXX XXXX app and put all my information correctly to make an account but they told me we are sorry we can not able to make account for you today could because I do not need to qualifications I do not see why I do not. I have XXXX ready to put in my savings account and I have no debt at all and I have a steady income so please explain to me why I can not open the account
|
| 03/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
I was contacted by First National Bank of Omaha about Best Western Mastercard opened in my name that they suspected was fraud. I received the card, but upon contacting the bank they had said person had tried to call and re-direct card to Florida address. No charges were made against the account and card was closed. Want to make sure safeguards are in place to help stop this in the future.
|
| 12/28/2020 |
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
|
|
Web |
|
|
Refinanced mortgage with XXXX mortgages. XXXX sent payment on XX/XX/2020. ( Yes, I did email to verify ). First National bank says they did not receive until Monday XXXX XXXX. Since it was past the XXXX of the month, they reported delinquent payment to my credit report. I disputed via XXXX to no avail. I called first National bank of omaha and they claim they can not remove from my credit
|
| 10/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I called XXXX to cancel my XXXX XXXX rewards credit card before the first anniversary, to avoid an annual fee and was told that they would not cancel the card and worse that they would still be charging me an annual fee ( even if they let me cancel ). I politely asked if the {$59.00} fee would be refunded as I was not using the card past the first year and I was told they would not do so.
|
| 07/22/2020 |
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
|
|
Web |
|
|
I have a loan with FNB OMAHA. I have always made my payments on time. For some reason I realized that there was a charged-off account on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FNB OMAHA with no successful resolution. XXXX is only reporting this account. There was definitely an error on their part.
|
| 03/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
|
HI, The First bankcard close the CC account with no reasons based on false assumptions andI think this is a discriminatory measure and would like to ask you to initiate an investigation, as there are no reasons or motivation for this action. I can attached or send you the document where they explain their decision, that is completely wrong and based on false assumptions and conclusions.
|
| 02/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I signed up for the XXXX XXXX XXXX ( Mastercard ) managed by First Bankcard of Omaha, NE. The card was advertised as having an annual membership fee of {$20.00}. However, I was charged an additional {$50.00} fee described as for the " Rewards Program '' that was not disclosed in the ad offer. If I had known there was an additional {$50.00} fee, I would not have signed up for this card.
|
| 02/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My credit card account was suddenly and unexpectedly closed. The company cited my credit score as the reason why it had closed the account. I've always paid the account on time and did not authorize any credit checks. The company XXXX is located in XXXX XXXX XXXX, Utah and uses the name XXXX XXXX XXXX. This is further part of harassment that I'm being subjugated with while in Arizona.
|
| 01/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I had opened this account with XXXX when I was XXXX and they gave me a XXXX party credit card with XXXX bank. XXXX then sold their company to XXXX and people got locked in into whatever this credit company is. I called almost everytime they charged me interest and charges and I had ALWAYS set up my auto pay. They kept failing and failing and I would accumulate late fees and charged.
|
| 09/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
First National Bank of Omaha today re-aged my original bankruptcy date from XX/XX/XXXXto XX/XX/XXXX. This is a violation of the FCRA and a violation of the bankruptcy order. This company continues to do this every time they submitted updates to the credit bureaus. Attached is proof of this activity. The credit bureaus say its the creditor and the creditor says its the credit bureau.
|
| 02/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I was a victim of identity theft and I advised the company of this and sent a copy of my federal trade commission identity theft report and FTC Notice to Furnisher on XX/XX/2020 via email and fax. The company has not responded and continues to report this inaccurate information and refuses to delete it or accurately report it as identity theft and fails to report the correct dates.
|
| 10/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company had me on a payment plan for a year were they took out the money directly from my bank account after the year the bills was paid in. After a month past they started calling saying Im late I asked how could that be when you were taking the money out of my account the rep said she was gon na look into it and get back to me that never happened and the bills kept coming.
|
| 08/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
First National Bank of Omaha sent a debit card for my account to an old address and activated the card that was never eecieved by me. XXXX became aware my account was used for fraudulent purchases, stated that an investigation would take place and that someone would be contacting me with more information. I was never contacted and never reimbursed for the fraudulent activity.
|
| 09/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
First National Bank of Omaha dropped the credit limit of a 36 year relationship VISA credit card from $ XXXX to $ XXXX with no advance notice, which caused issues when getting ready to travel. Contacted the VISA department and was given a poor response that due to " concerns of fraud and lack of use '' they felt the previous limit could be better used with another customer.
|
| 01/07/2020 |
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
|
|
Web |
Servicemember |
|
The company charged me finance charges, late fees and refuse to correct the delinquent remarks on my credit. The company is aware of me working overseas at the time of the instances. Ive sent letters repeatedly, the response Ive received is ; my letters are frivolous. Im seeking assistance in this matter or I will have no choice but to contact the Attorney Generals office.
|
| 09/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
XXXX at XXXX XXXX Bank in XXXX, Nebraska XXXX offered a rate match for our mortgage verbally. I sent all documentation to him as requested, including the rate documentation from our credit union. Three weeks later, after many inquires of rate locks he told me they are now unable to match the rate. We are now at risk of not having a mortgage at the closing of our new home.
|
| 08/20/2023 |
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
|
|
Web |
|
|
Fnbo- XXXX XXXX I found a bunch of XXXX charges on CC and I called to have the disputed. And they denied the claim saying I took part in the fraud. When I called the they told me that if someone in my house used my card without my permission it is still considered a valid charge. Although nobody in my house used my card to my knowledge. They will not reverse the charges.
|
| 11/05/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
On XX/XX/17 I talked to the CSR at the bank and he agreed to waive the late fee. I paid the instructed amount. The next month I received another interest charge. Upon calling, the CSR advised me that it was their policy that even if the bill and interest were paid in full I would have to pay interest for the additional two months before the interest charges were dropped.
|
| 09/01/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
On XX/XX/, I attempted to open a savings account with XXXX, also known as First National Bank of Omaha. Their auto check process denied my request, despite having multiple bank accounts elsewhere, excellent credit, etc. Three customer services agents on their chat application all gave me pre-canned responses about how they could not reveal their sources for the denial.
|
| 03/29/2023 |
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
|
|
Web |
Servicemember |
|
I received a phone call from First Nat'l Bank of Omaha about a XXXX XXXX credit card that had been applied for in my name on XXXX. When I called them, they told me that the card had over {$1000.00} charged on it. I was told by the gentlemen in the fraud department that I would not have to worry about the fraudulent charges and that info would be sent to me in the mail.
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I applied for a credit card with First National Bank of Omaha on XX/XX/2022. I was sent a denial letter stating Our records indicate that you have recently applied for an additional credit card account with our bank. The denial letter reason does not pertain to the information contained within my credit reports. Therefore, a credit report inquiry was not warranted.
|
| 09/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
We were guaranteed XXXX XXXX reward points when opening a new credit card account after meeting certain purchase requirements. We met the requirements as described in the contract. However, after completion, we were only given XXXX points. We are in possession of the original contract indicating a reward of XXXX points if requirements are met. The PDF is attached.
|
| 04/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I applied for a XXXX Visa card and was sent this load of XXXX in return : Customer feedback has caused us to review our relationship with the XXXX. As a result, First National Bank of Omaha will not renew its contract with the XXXX XXXX XXXX to issue the XXXX Visa Card.
I want to know if this bank holds the same policy with XXXX XXXX, XXXX, or some other group!
|
| 01/25/2022 |
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
|
|
Web |
Older American |
|
Was contacted by fraud department at first bank card about purchasing on my credit card. These charges were made in XXXX XXXX Nev and I live in XXXX TN Was also told my information was change and additional personal was added Credit card company had me to prove my idenity and cancel credit card and in processing of sending new card Was told to file this report.
|
| 12/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
XXXX is in breach of its obligations under the Fairness in Credit Act, by refusing to disclose the credit information used in its decision to decline a credit card application. I have tried several times to request access to the information used to deny my application, to no avail. XXXX has, by law, 30 days to send me this information, and has failed to do so.
|
| 02/22/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
XX/XX/2017 As you know, I have reported my identity was compromised.
Police report and Identity Theft Victim 's Affidavit were filed and mailed to the Banking institution, Consumer Financial Protection Bureau and OCC.
I asked that the charges be taken out of my billing.
Please respond within the next 30 days as of XX/XX/2017 that the charges are removed.
|
| 12/04/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
I have FNBO credit card ending in XXXX, It's a nightmare to deal with the customer service and another nightmare to dispute a transaction.
I wanted to dispute {$13.00} out of this following transaction- XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dining {$48.00} I also wrote this to FNBO credit card on their online platform, but they're not responding
|
| 09/23/2022 |
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
|
|
Web |
|
|
My name is XXXX XXXX im writing regarding FNBO credit card that was unauthorized and fraudulant account i tried to dispute this and they erased it from my credit and its still there and i tried to file a complaint with CFPB and response came that i was the one who applied for this card but i was not and there is a transactions on it that wasn't done by me.
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Servicemember |
|
Applied for XXXX visa to save XXXX cents a gallon.
Company is asking for two years of W2s when one W2 would suffice to provide proof of income and years of service at the same place of employment.
W2 contains other personal information not relevant to the application process.
The company is overreaching for personal information for an improper purpose.
|
| 11/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Received a credit card statement in the mail from First National Bank of Omaha XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/22 for a balance of {$1900.00}. My identity was stolen. This is not my activity. The representative on the phone was able to flag this as fraud and close this account. I do not know what becomes of that false charge or what happens next.
|
| 10/22/2022 |
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
|
|
Web |
|
|
After resolving the previous issue with FNBO on my other credit card. Today as of XX/XX/22. I received a notification of FNBO slashing my limit on my other card the FNBO Getaway to {$500.00} without warning or issue at all. I know they are a conservative company but this is getting a bit ridiculous. This will have a negative impact on my credit score
|
| 12/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have change the auto pay account twice when I change banks, they still have the old account they kept making payments from the old account, and since the account is closed there is no reason to check statements other than to make sure payments are being made of course I didnt see this till month later I am over this bank and theyre sloppy practices
|
| 07/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Given I signed up for an XXXX Credit Card, FNBO opened XXXX accounts, even though I only signed up for XXXX. I tried to address this issue with the bank but they said that they can close it but they are not willing to refund the 'Annual Membership Fee '. This was a mistake on the bank 's part because I only intended to sign up for XXXX credit card.
|
| 01/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Someone opened an account and made XXXX separate deposits : XXXX, XXXX, XXXX in this account with my name, address and ss #. I called First National Bank of Omaha and had them close this checking account.
I have registered my information with XXXX and no one should be able to open a bank account because I have locked down my personal information.
|
| 09/10/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
|
|
Web |
|
|
I was sent {$25000.00} by a company that I assumed owed money to a woman I had been talking to. I then sent her a majority of that money and shortly there after the money was requested to be returned. The company was XXXX XXXX XXXX out of Nebraska and they use the First National Bank of Omaha. They now have all of my accounts at XXXX bank frozen.
|
| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX I am writing to dispute the following information that XXXX XXXX XXXX XXXX supplied to XXXX, XXXX and XXXX This item XXXX XXXX XXXX XXXX is inaccurate because I never requested to open a credit card with them nor ever had their credit card. I am requesting that XXXX XXXX XXXX XXXX have the item removed.
Sincerely, XXXX XXXX
|
| 12/30/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
MY CARD WAS LOST AND THERE WAS CHARGES ON THE ACCOUNT I DID NOT AUTHORIZE BY SOMEONE ELS, I CALLED THE BANK AND TOLD THEM ALSO MY PHONE NUMBER WAS NOT UPDATED ON THE ACCOUNT AND SOMEONE VERIFIED THE CODE SAYING IT WAS ME MAKING THE TRANSACTION AND IT WAS NOT ME OR ANYONE I KNOW. THE TOTAL WAS {$6600.00} ON THE FRAUDULENT CHARGES ON THE ACCOUNT.
|
| 09/26/2023 |
No |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American |
|
FBNO accessed my credit report when I applied for a card. Then they sent me a letter demanding copies of my drivers license, a signed copy of my SSN card, and two years worth of W2s or 1099s. When I called them, they refused to explain why they needed those documents. Why would they? I have NEVER had any credit card company ask for those items.
|
| 01/20/2023 |
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
|
|
Web |
|
|
An unknown individual obtained a credit card with FNB Omaha using a fraudulent ID card with my information and the suspects picture on it. Subsequently over {$14000.00} worth of fraudulent transactions were made. I alerted FNB Omaha of the fraud and filed a police report. FNB Omaha did not remove the fraudulent account from my credit report.
|
| 09/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I have been called multiple times by a company claiming that my father is being sued by first national bank of omaha. I spoke to the bank and they told me that they have no lawsuit against my father. When the number called again I told them I spoke to the bank and the man on the phone threatened to prosecute my father who is currently sick.
|
| 02/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I had a credit card with XXXX XXXX XXXX credit card. My payments were always on time. The card was closed apparently due to excessive debt ; I use less than 10 % of my total credit line. I applied bfor a credit card from XXXX 's XXXX ; a competitor and my card was close almost the same day. This was an unfair practice without justification.
|
| 06/07/2016 |
Yes |
|
|
|
Web |
|
|
I transferred $ XXXX, they charged me a 4 % transfer fee they have a fixed apr of XXXX per year, but they charge you a 3 % on your remaining balance every month. This is not a deal!!!!
I thought I was just getting 5.99 % per year, NOT in addition they charge 3 % on $ XXXX or less each month that you have this card.
FirstBank Credit Card
|
| 06/08/2022 |
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
|
|
Web |
|
|
The amount of XXXX dollars was paid in full. Then they charged XXXX for 4 months for interest without me knowing. Did not tell or contact me. sent XXXX dollar amount to credit score companies they dropped my score by XXXX points. Terrible same on them. That amount was paid in full. What a waste of time these companies are. A disgrace.
|
| 01/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
I got a mail saying that there is a credit card open in my name. I never opened this card. It is from fanboy. First National Bank of Omaha. The number listed XXXX is not that banks number. When I called they asked for my birthday and other info. I dont think these people are the actual fnbo. They hung up when I asked more questions.
|
| 01/04/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
i tried to deposit a large amount of money into the bank to get the 5.5 % XXXX interest.
the bank did not transfer the money instead, after 4 days, i get an email that my account has been restricted and now being investigated for legality.
i now have {$980.00} that I can not withdraw the bank if called XXXX XXXX XXXX XXXX XXXX
|
| 02/18/2021 |
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
|
|
Web |
Older American |
|
There are inquiries on my credit reports on XX/XX/XXXXand XX/XX/XXXXthat do not belong to me I have not approved nor inquired for these accounts.
XXXX XXXX XX/XX/XXXX - Inquiry date : XX/XX/2021XX/XX/XXXXXXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXXXX/XX/XXXX - Inquiry date : XX/XX/2021 XX/XX/XXXX
|
| 10/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I never received notices or phone calls that I owed them money. They said that they called and sent letters but I never received anything. The fees and charges that they sent me seem excessive and abusive. The only reason I realized they had debt against me was because I saw it on my credit report that I looked up on XXXX XXXX
|
| 03/28/2017 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
Have an XXXX card from 1st Bank, Omaha, Advertising tells of many benefits including points for room cost reductions. Can not get full info on what points are worth. Many hoops to jump through to convert points so may use etc. Neither XXXX nor the bank is helpful on explanation. Bank is now ignoring requests for information.
|
| 03/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had my wages garnished for a credit card debt that was bought by XXXX. The total amount was sent to my employer and was completed in XXXX of XXXX. I have now received communication from this debt collector for additional court costs. Now they are threatening to garnish my wages again which could end up costing me my job.
|
| 01/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The FNB OMAHA during covid stopped sending mail to my location and never notified me. I missed payments due to covid related instances. They hit me with late payments on my credit. I have paid up to date and requested if they would take the negative marks off my credit since covid has impacted me. They refused.
|
| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
My XXXX credit report has the company FNB OMAHA on IT, BUT THIS ISNT MY ACCOUNT. I have NEVER had an account with FNB OMAHA. I have lived in XXXX for the past XXXX years. I want this account REMOVED FROM my credit report even though IT has been in good status since the year XXXX. Thank you for your help.
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I AM A VICTIM OF IDENTITY THEFT I HAVE AND DID NOT RECIEVE ANY GOODS OR ATTEMPT TO OBTAIN ANY GOODS FROM THIS COMPANY.
THE ACCOUNT WAS FNB OMAHA IT IS REPORTING ON MY CREDIT REPORT TWICE AS REPORTED LOS/STOLEN I HAVE NOT DID ANY BUSINESS WITH THIS INSTITUTION OPEN XX/XX/2022 BALANCE REPORTING {$5700.00}
|
| 08/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American, Servicemember |
|
I paid XXXX - XXXX over the required payments .... I have 2 interests rates. 5.99 and 6.99 %.
I expected the extra XXXX to go to the 6.99 % intersest - it did not ... only {$60.00} went to the 6.99 rate.
The customer rep told me the apply the interest towards the lower rate.
XXXX XXXX XXXX XXXX XXXX
|
| 06/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX XXXX, XXXX is harassing my work phone number and calling my family members multiple times asking questions. I have asked them to stop calling my work phone number in writing and to only call my home number at the appropriate hours. Also they will not validate the they account and their contract.
|
| 08/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Which in return lowered my credit score significantly I have no missed payments with them I have not asked for help or forgiveness during your covid-19 I have actually made more then asked payments,, There are also a couple other credit cards that have lowered my limit resulting in Lowering credit score
|
| 02/28/2023 |
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
|
|
Web |
|
|
On XX/XX/23 a XXXX XXXX XXXX credit card managed by FNBO was opened in my name. Around that same time my email was being used to sign up for multiple newsletters. I reached out to FNBO on XX/XX/23 and they helped me to close the account. FNBO was unable to verify if any charges occurred on the account.
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I received a credit alert on XX/XX/23 from XXXX XXXX stating that someone opened a credit card under my name. This was done without my knowledge and consent. I called FNBO and informed them of this so they put a freeze on my account. They recommended that I notify the Credit Bureau in which I did.
|
| 03/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This debt was discharged in bankruptcy, they filed a lawsuit illegally and did not notify me about it and obtained a default judgment. Neither myself nor my bankruptcy attorney was notified.
In addition, the charges they disputed were from a stolen credit card for which a police report was filed.
|
| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
FNB Omaha ran my credit twice without my permission The first attempt was XX/XX/XXXX and the second attempt was XX/XX/XXXX I think FNB Omaha A letter disputing The hard inquiries On my credit file. That letter was sent out XX/XX/XXXX And I have not had a response Or an update on my credit report.
|
| 09/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
They have locked me out our closed account on their website, this was months ago, resetting password doesn't work, they never offered any covid 19 relief either, this account will charge off if this isn't corrected soon, I'm sick and tired issues with this bank. Issues like this aren't the first.
|
| 08/17/2020 |
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
|
|
Web |
|
|
Have a card for XXXX XXXX thru First national bank of Omaha. Credit limit was decreased because they said payment was received 3 days late regardless I send the payment every day of the month. Told them maybe was late due mail problems due to COVID-19. Account was reviewed but not changes done.
|
| 12/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
Servicemember |
|
I received two letters, dated XXXX & XXXX XX/XX/2023, seeking to verify recent activity on my account with First National Bank of Omaha ( XXXX ).
Subsequently I received an ATM debit card and checks from XXXX.
I do not have an account with XXXX, nor have I ever opened an account with XXXX.
|
| 01/05/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
Older American |
|
On XXXX/XXXX/16 I used a foreign ATM Platte Valley Bank they charged me a {$3.00} user fee to use the atm, and then later that day they added an additional {$1.00} fee without explanation. The terms and fees were not listed or displayed on the terminal. plus this buck XXXX is after the fact
|
| 09/01/2022 |
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
|
|
Web |
|
|
There was in Inquiry placed on one of my credit bureaus ( XXXX ) from FNB OMAHA on XX/XX/2022 that I do not recognize. I did not authorize this company to place an inquiry on my report, nor did I sign or give consent to pull my report.
Please remove this inquiry immediately.
Thank you.
|
| 10/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
My credit cards were closed after 10-years with no explanation.
Left over 5 messages for the bank and no one ever call me back.
I never had any type of fraud on my accounts and my accounts were always in good standing and my credit limits were always increased based on my spending.
|
| 06/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Recently ( around XX/XX/2022 ), I got a credit card XXXX XXXX ) statement from First National Bank of Omaha ( account # : xxxx xxxx xxxx XXXX, balance : {$28000.00} ). Actually, it is not my card, I never applied this card, and I never know anything about it. It is a Fraudulent Card.
|
| 04/01/2017 |
Yes |
|
|
|
Web |
Older American |
|
Hello, I am not getting a refund of {$89.00} from National Bank of Omaha credit card company. I have talked to them on the phone 2-3 times and documented emails agreeing to send this refund. It 's been more than a month and they are still running me around. Please advice. Thank you.
|
| 07/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Older American |
|
First National Bank Of Omaha mis applied a {$6000.00} payment on XXXX that was applied to low interest balance instead of towards purchases that accrued on XXXX of {$16000.00} This reduced the balance of low interest portion owned instead of reducing high interest purchase portion
|
| 12/08/2021 |
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
|
|
Web |
|
|
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX XXXX to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
|
| 06/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/2019, I received 58 missed phone calls from XXXX. I know this is from First National about a convenience store credit card. I am 1 month behind on payments. I told them that I am trying to make payments and I am aware I am behind. 58 phone calls 22 minutes is harrassment.
|
| 11/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I had a XXXX dollar fraud charge, tried to get it resolved with the bank. They told me to get bent. It is a very clear fraud charge, i only use my account for groceries beer and gas and this showed up as something completely irregular and its XXXX I had to bend over. For theis
|
| 12/08/2022 |
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
|
|
Web |
|
|
I have been a victim of identity theft and a fraudulent accounts appears on my credit files. I have reported this account tot all necessary authorities and XXXX and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
|
| 10/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Older American |
|
First National Bank of Omaha ( FNBO ) advertised a {$50.00} bonus within 15 days of opening a checking account. I have not received the bonus, 6 weeks after opening an account. In response to my questions about the delay, the bank has only said they are researching the matter.
|
| 11/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
FNBO disabled my credit card without cause or explanation and is withholding my prepaid card deposit. For these reasons, I requested that my account be closed. FNBO has ignored this request and my account remains open to this day. FNBO is in breach of our Cardmember Agreement.
|
| 07/17/2017 |
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
|
|
Web |
|
|
Upon setting up my online account I m ixed up two number s on my bank account. Because of this mistake my payment was returned. Since this was a typo setting up my account I called the credit card and asked if they can return the {$25.00} I was told they can not return to fee.
|
| 10/23/2018 |
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
|
|
Web |
|
|
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
|
| 09/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
Servicemember |
|
The company claimed, in a response to complaint ID XXXX on XXXX that it was sending a card and to-date no such card has ever arrived. The company 's response claimed that the card would be issued and should arrive within 7 - 10 business days. It's now been 26 business days.
|
| 11/07/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I paid my balance with FNBO on X/XX/17 ( see attachments ), but I continue to accumulate late payments on my credit report ( see attachments ). I demand that these late payments be removed. This is a violation of the FCRA. If I do not get results here, I will sue them again.
|
| 09/14/2022 |
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
|
|
Web |
|
|
I logged on to my XXXX credit report and noticed an Inquiry from FNB OMAHA dated XX/XX/2022.
I do not recognize this inquiry/ company. I did not authorize FNBXXXX OMAHA to pull my XXXX credit report, resulting in an inquiry.
Please remove this inquiry ASAP.
Thank you.
|
| 12/13/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
XXXX which provides XXXX services has a technical glitch with XXXX and XXXX browsers. After trying to make payments, session logs out and when I brought this to customer service notice, they were rude and charged me late fees. THis is a way of making money off of customers.
|
| 07/24/2016 |
Yes |
|
|
|
Web |
Servicemember |
|
I am reporting First National Bank ( XXXX XXXX ) again for making harassing phone calls for credit card payment. I reported them a week or so ago and am still getting harassing phone calls from them. Please let them no that I do n't want any more calls on my phone. Thanks.
|
| 06/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I was late on a payment because of the pandemic.. they lowered my credit availability by half .. Then they proceed to want the full amount ... Which was not much but its the struggle to keep a decent credit score..Nothing but problems with this card since i got approved..
|
| 06/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act # XXXX
|
| 04/12/2016 |
Yes |
|
|
|
Web |
|
|
To Whom it May Concern, I would like to file a complaint, because I noticed a discrepancy in my credit report. I noticed that there 's a credit card on there with a balance of {$840.00} with FNB of XXXX. Please help me resolve this problem as soon as possible.
Thank You!
|
| 04/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a new checking and savings account with FNBO on XX/XX/XXXX using a promotion code that qualified me for account opening bonuses for both products. After meeting the requirements for these bonuses, FNBO failed to honor the terms of the account opening agreement.
|
| 10/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
On XXXX I received my FNBO XXXX XXXX XXXX statement. On this statement I earned XXXX points. However, my XXXX has not been updated with the points as off XXXX. I have called repeatedly to have this matter resolved to no avail. FNBO refers to XXXX and XXXX refers to FNBO.
|
| 05/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I attempted to use my XXXX credit card at XXXX on XX/XX/19 around XXXX. It was repeatedly declined, so I contacted customer service. The representative told me that my account had been suspended without notice prior to such action, or even the possibility of such action.
|
| 01/28/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I attempted to open an account with their subsidiary XXXX. After going through the entire process ( including downloading the app, creating a login, etc. ) I was denied.
The bank refuses to furnish a reason for the denial, and refuses to tell me how I can rectify it.
|
| 09/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I was scammed by a company called XXXX XXXX. My bank held me responsible for paying for the gift cards that XXXX had me purchase with their money. I told the bank to deny the XXXX transaction as it was related to the fraud and XXXX XXXX got their money back plus mine.
|
| 02/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Theyre violating 15 usc 1692 ( a, b ). This company is also committing ID theft. Theyre also violating 15 usc 1692 c ( c ). Invasion of individual and family privacy. Last I want them to provide a written contract between me and the party listed on my credit report.
|
| 09/26/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Since XX/XX/2023 I've been trying to transfer {$20000.00} out of a XXXX savings account. The company cancels every transfer with no explanation. I've messaged on their app and emailed multiple times. This weekend, they locked my account entirely. I need my money!!
|
| 01/04/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
A XXXX XXXX credit card was opened in my name. I have applied for a credit card to this business, in fact, I have not applied for a credit card in over 10 years. XXXX of XXXX is also reporting the fraudulent activity, but recommended that I submit a claim to CFPB.
|
| 10/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Since XX/XX/2018 - Present this company claims to be National Bank of Omaha calls from phone # XXXX repeatedly starting at XXXX hangs up calls each minute after back to back 3x a day and they do this every single day even though theyre blocked they keep harassing.
|
| 01/25/2024 |
Yes |
- Credit 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
|
|
Web |
|
|
I was in the hospital for a few weeks in XXXX of last year. While there some of my belongings were misplaced and never recovered. I realized this credit card was with my wallet that was lost at that time. A lot of unauthorized charges were made on this account.
|
| 07/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/2019 a account opened with my information at FNB OMAHA. This is identity fraud and I did not do this. The limit on it was {$1500.00} and was used past the limit and was being paid over 30 days late. I can not get a hold of the company and would like help.
|
| 12/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Bank of Omaha issued a fraudulent card to someone stealing my identity. XXXX was for XXXX XXXX XXXX
Also, someone from XXXX also tried opening card for XXXX airlines in my name.
I need these closed and off my credit report.
Thank you, XXXX XXXX XXXX XXXX
|
| 04/19/2022 |
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
|
|
Web |
|
|
I spoke with a representative of this company and I was promised that the inquiries made from 2021 would be removed from my credit reports This company never honored their promise to remove the inquiries that their representatives made to me on their behalf.
|
| 11/22/2022 |
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
|
|
Web |
|
|
there was two account that was open up due to fraud I am a victim of id theft, I ask the company to show proof that I open it up with a valid government id or a contract with my signature on it, Fnb Omaha failed to do so. but keep on reporting on my credit
|
| 09/22/2022 |
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
|
|
Web |
|
|
Today I received an alert from my XXXX report that a company pulled an inquiry. The company is FNB OMAHA and inquiry date was XX/XX/2022.
I do not recognize this inquiry, nor did I authorize the inquiry.
Please remove this inquiry ASAP.
Thank you.
|
| 06/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
Hello and thank you for helping out, I have my card in my possession however its passed the expiation date.
Ive been waiting for a replacement and nothing has arrived.
I submitted a request online twice as instructed and nothing has arrived yet.
|
| 11/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Paid by phone as I have for 20 years received confirmation then notice by mail payment rejected same bank 20 years. Call customer service big joke no answer late charges hike interest rate. Really? Are there laws protecting consumers? This is fraud!
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On or about XX/XX/2023. I request 4 sets of documents from FNB Omaha, over the request of a claim, I've requested this information 2 times prior this year for accounts XXXX & XXXX. FNB Omaha keeps sending information that is not part of my request
|
| 06/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Dear CFPB, Today I got an alert from XXXX XXXX that I have a credit due for a loan at FNB XXXX Bank. I have NEVER opened any account at FNB XXXX. This is a stolen identity or theft. I have attached screenshot of credit monitoring alert by XXXX.
|
| 08/14/2021 |
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
|
|
Web |
|
|
First Bank of Omaha continues to lower my credit limit as I make payments on the credit card that was issued to me by the institution. The policy negative impacts my credit score because it continually show I have a high credit utilization rate.
|
| 05/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
When calling the creditor to discuss, I am not getting an answer. I was never reached out to by the bank, nor the creditor about this " charge '' alone, even prior to the account being sent to collections. The account was not an active account.
|
| 09/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
On the promotion they are not show it on the statement as a separation rate. They are showing everything under the higher rate. exp. the promo is 6.99 % and the standard is 22.00 % they are not showing what is what i did under the lower rate.
|
| 08/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX. of 2017 I received a hard inquiry from FNB OMAHA, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from FHB OMAHA in connection with this request.
|
| 12/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I closed this acct on XX/XX/2022 paid in full Getting bills for card late fees and interest i wrote to XXXX and XXXX and XXXX No results XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX XXXX XXXX Acct last digits XXXX
|
| 08/19/2022 |
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
|
|
Web |
Servicemember |
|
I opened a Scheels credit card through FNBO. They have made it impossible for me to create an account and will not give me any information about my card. When I asked what the balance is so I can pay it off, they refused to tell me.
|
| 02/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I make minimum auto payment when I travelled in XXXX, XXXX, to my suprisse TCF Bank does not activate the auto pay, and I was charge illegal late fees for XXXX, XXXX, which affect my credit.
I do not have late fees history before.
|
| 12/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I use the website daily to ensure my transactions are accurate, every time I log in I am being asked to enroll in paperless billing, I do not want that and should not be intimated into it by harassing popups every time I log in.
|
| 03/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
1ST : MY BALANCE IS PAID OFF TO XXXX : WHY DOES IT STILL SHOW $ XXXX BALANCE?
2ND : I ASKED TO HAVE MY WIFE REMOVED OFF THE ACCT AS WELL OFF THE CREDIT REPORTS, WHY HAS IT HAS NOT HAPPEN? XXXX XXXX ss # XXXX.
Acct # XXXX
|
| 07/26/2022 |
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
|
|
Web |
|
|
On XX/XX/2022 an inquiry was placed on my XXXX report from FNB OMAHA. I do not recognize this inquiry nor did I authorize it ( Sign for it, etc ).
I am requesting to have this inquiry removed ASAP.
Thank you XXXX XXXX
|
| 07/19/2016 |
Yes |
|
|
|
Web |
Servicemember |
|
I am starting to be harassed by phone for XXXX for my American Express credit card. I want this to terminate from happening. Thanks for looking in to this matter. I am sick and tired of this Bank harassing me for payment.
|
| 07/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
XX/XX/XXXX and XX/XX/XXXX negotiable instruments were accepted by First National Bank Omaha but were not applied to my account. XXXX XXXX kept the instruments and likely used them for their own purpose. This is illegal.
|
| 12/24/2020 |
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
|
|
Web |
|
|
A fraudulent charge of {$120.00} appeared on my account, so I called to report it and had them close the account. Weeks later I am being billed for the fraudulent charge with threats of interest being added if not paid.
|
| 03/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
A checking account was opened in my name online on XXXX with First National Bank of Omaha .
This account was not opened by me ; additionally all 3 of the credit agencies have freezes on my credit, placed there by me.
|
| 02/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Closed my account with no warning called three times for explanation with no real answer except letter in mail letter dated XXXX2019 recurved XX/XX//2019 not explanation vague answers I have 0 missed payment in 4years
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Accounts from XXXX XXXX XXXX XXXX all show remarks that the account is managed by a debt counciling service. It is not longer managed by them as the account is paid off and the account is closed and paid as agreed.
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
FNB Omaha- inquired on my XXXX account that I did not initiate on XX/XX/2022. I believe this is a fraudulent inquiry that I did not authorize. I believe someone stole my information to start this credit card inquiry
|
| 05/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
First National Bank of Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 09/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
FCRA violators must notify before item was removed and added back on which the companies fail to do which are FCRA violations must remove items See PDF file for previous deleted account added back on : see below
|
| 12/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
First National Bank of Omaha Credit Card Wrong balance fraud charges card balance need to be deleted and updated of consumer transactions account # XXXX account balance not correct {$9100.00} credit card type
|
| 04/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
First Natl Bank of Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 04/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
First Natl Bank of Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 02/16/2017 |
Yes |
|
|
|
Web |
|
|
XXXX XXXX refunded {$490.00} to my credit card & First Bank of Omaha claims they never got it. Or wo n't tell me they got it wo n't let me see my account. I am disputing this. there practices are not ethical.
|
| 03/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I was notified by First Bankcard that my account was closed due to delinquency reports on my credit report. This report was an incorrect report that has since been corrected. See attached letter to confirm.
|
| 07/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This debt is over 7 years old. They sued and got a judgement. Which I filed a motion to set aside judgement. I have tried to settle the account but they refuse to remove from my report after we settle it.
|
| 01/08/2023 |
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
|
|
Web |
Servicemember |
|
XXXX is reporting the wrong amount on bureau because of fraudulent charges not done by me. The balance is {$9100.00} but I only had charged {$3200.00} dollars. Please block and investigate fraud charges.
|
| 03/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
This bank closed my account and has almost {$2300.00} of my money plus some other funds. They called randomly and said Im banned from the bank but I have not even been to their location. This is unjust.
|
| 08/24/2022 |
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
|
|
Web |
|
|
On XX/XX/2022 - FNB OMAHA has placed an Inquiry on my XXXX report that I do not recognize. I did not give this company/creditor consent to pull my credit. Please remove this inquiry ASAP.
Thank you.
|
| 11/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
they call before XXXX XXXX and XXXX XXXX, They call at XXXX XXXX through XXXX XXXX XXXX They never leave a message. also when I try to talk to them they hang up. XX/XX/2019 through today XX/XX/2019,
|
| 10/16/2022 |
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
|
|
Web |
|
|
On XX/XX/2022 I requested a pre-qualification that was not supposed to affect my credit. When I later checked my XXXX report, I saw an inquiry. There was supposed to be no inquiry per their website.
|
| 12/09/2021 |
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
|
|
Web |
|
|
There were multiple charges at XXXX, XXXX XXXX, and XXXX that were not conducted by me when i called the credit card company about issues after they alerted me to a fraudulent charge on my account.
|
| 06/15/2021 |
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
|
|
Web |
|
|
I did not authorize inquiries for this companies, I have never sign writen authorization. Inquiries have no permissible purpose.
XXXX XXXX XXXX XXXX XX/XX/2020 FNB Omaha XX/XX/2020 XXXX XX/XX/2020
|
| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My XXXX credit card ending in XXXX is showing an opening status on my credit reports. I called the automated system weeks prior to close my account yet the open-status remains on my credit reports.
|
| 02/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
The below hard inquiry showed up on my credit report on XX/XX/year>. I didn't apply for any credit from this company.
FNB OMAHA Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/09/2015 |
Yes |
|
|
|
Web |
|
|
credit card company is harassing me on my job, I do n't even know how they got the number they call our general number and have left messages with my coworkers which has caused me numerous issues.
|
| 04/29/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
two loans from TCF bank were not paid and they showed no consideration for a senior during a pandemic covid 19.
and trying to take the home and will not accept a reduced pay off or reinstatement
|
| 10/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The company has already collected the debt by garnishment. I provided the documents proving the garnishment from a past employer. The amount was mailed to the XXXX XXXX Court House in XXXX, AL.
|
| 07/19/2022 |
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
|
|
Web |
|
|
Scheels Visa customer support number is : XXXX.
I accidentally dialed XXXX XXXX, And this number is posing to be VISA, and took all of my info.
I noticed the misdial and eventually hung up.
|
| 04/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
FNB Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have no knowledge of these hard inquiry on my credit report and these hard inquiries are results of identify theft and it must be removed no later than 4 business day as per 15 U.S 1681 C-2.
|
| 04/30/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
I fell behind in payments due to covid-19. I thought there is a law protecting consumers XXXX XXXX. XXXX XXXX.
I told the guy it was because of the covid-19 and he told don't worry about it
|
| 11/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
Tried to access my checking account to pay a bill and got a notice of verification code sent to a new phone number XXXX ( not mine ) Had to get account locked and was told to report to FTC.
|
| 09/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
XX/XX/21 at XXXX - I asked the Manager with XXXX XXXX to reverse a {$25.00} fee because I was misinformed by the bank. They rudely REFUSED to reverse the fee even when it was not my fault.
|
| 01/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
On XX/XX/2021 called the company to tell them a card was sent to me which I did not apply for. They said to contact you folks. They said someone must have access to my social and birthdate.
|
| 04/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
FNB has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 08/10/2022 |
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
|
|
Web |
|
|
Instead of working with me to help when I have been struggling they not only contacted friends of mine but also filed a lawsuit against me. Now they are trying to scare me into settling.
|
| 02/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
The creditor reports that I have a repossession with them and refuses to remove it from my credit report.
I never had anything repossessed thru them.
I only had a credit card account.
|
| 03/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Im a victim of identity theft someone got my information and ran up my cards I Contact the companies and they had removed the negative items on my report and now its back on my report
|
| 10/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I explained to the person who answered that I have no nor have I ever had any business with XXXX XXXX XXXX. After that the calls increased in frequency, several per day at this point.
|
| 08/22/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XXXX XXXX. Action was taken on XX/XX/XXXX. Account number XXXX XXXX XXXX XXXX XXXX XXXX. Everyday since no action was preformed by the company no wouldnt get back to me about account
|
| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
My social security number and information was compromised on the dark web and somebodys opening up credit cards in my name. They hacked into my email account and have my information.
|
| 02/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
XX/XX/2020 Without warning, FNB of Omaha cancelled my credit card. They sent me a letter AFTER they had cancelled it, confirming that they did indeed have my correct address on file.
|
| 08/02/2023 |
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
|
|
Web |
|
|
Just received a credit card in the mail ending XXXX, FNBO getaway card, I can not see a Arbitration rejection agreement, please see all the documents I received regarding this card.
|
| 01/28/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
On XX/XX/ I attempted to open an account with " XXXX '' online banking service, and was denied without notification as to why. The parent bank is " XXXXXXXX XXXX XXXX XXXXXXXX ''.
|
| 11/19/2020 |
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
|
|
Web |
Servicemember |
|
XX/XX/XXXX {$100.00} was charged on my credit card to XXXX and it was charged by someone with " art deco '' email ... they were able to go into my acct and change my email address
|
| 02/08/2017 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
I closed my credit card ( American Express ) account with XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2017. The bank has still not sent me my credit balance amounting to XXXX {$550.00}
|
| 11/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
First National Bank of Omaha allowed a fraudulent checking account to be opened in my name without a credit inquiry to verify the identity of the individual opening the account.
|
| 01/03/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
My application was denied. I asked for the reason why and the bank said they could not provide any information. I only received a boiler plate notice that said I was denied.
|
| 04/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Someone tried to access my account and change my information. The credit card company flagged my account and contacted me. Someone has access to some of my information.
|
| 12/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
An account was opened in my maiden name at the First National Bank of Omaha by someone else, not me. This is identity fraud. The account was opened on XX/XX/22.
|
| 05/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Called Numerous times over the last several years to get them to correct the write off amount of a settlement and they refuse and said hire an Attorney.
|
| 03/02/2023 |
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
|
|
Web |
|
|
Someone opened up a credit card using my name and social security number with FNB OMAHA as the lender. I called FNB OMAHA and got the card canceled.
|
| 07/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I received this bill from a bank I have no record of dealing with.
And apparently, I have a past due to an unknown.
Can you assist?
XXXX XXXX
|
| 04/06/2022 |
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
|
|
Web |
|
|
U guys did a back ground credit report with out my ok i am upset over this u had no right to do so i am filing a complaint against u because of it
|
| 02/18/2023 |
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
|
|
Web |
Older American |
|
Speedway Credit Card. Someone, Hacked my Account and charged almost {$2000.00}. Speedway, Closed every thing down.Transaction, were on XXXX, XXXX
|
| 01/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
Never received my sign up bonus for my First National Bank of Omaha Travel Elite card.
Contacted company but never received the account bonus.
|
| 11/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX have failed to comply with my numerous prior validation request sent to them, in direct violation of Title 15 U.S.C 1692g.
|
| 04/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
On XX/XX/2022 there is an inquiry on my credit report from FNB XXXX I never applied for a credit card with FNB and I want the inquiry removed
|
| 03/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I HAVE ASKED NUMBER OF TIMES TO HAVE MY NAME REMOVED OFF THE ACCT AND CREDIT REPORTS ASAP.
XXXX XXXX SS # XXXX XX/XX/XXXX ACCT # XXXX
|
| 08/08/2023 |
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
|
|
Web |
Servicemember |
|
A fraudulent credit card was opened in my name. I did not authorize this account. I would like this account to be removed immediately
|
| 06/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
RETALIATION. My credit card issuer retaliated against me by closing my credit card account because I disputed an unauthorized charge.
|
| 05/04/2023 |
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
|
|
Web |
|
|
Hard Inquiries XXXX XXXX XX/XX/XXXX FNB Omaha XX/XX/XXXX Disputed with companies, no open accounts associated with these inquiries
|
| 10/17/2022 |
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
|
|
Web |
|
|
XX/XX/2018 in the amount of {$270.00} I have tried to contact this company to let them know it was fraud and i never get an answer.
|
| 03/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2018 i received notification of a hard pull from a company I have no relations with or authorized to use my information.
|
| 05/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Once again FNBO has accepted an application in my name. Even though there are fraud alerts on my credit bureaus. This is fraud
|
| 01/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
Identify theft XXXX XXXX used my address to route my mail and get personal information to open credit cards and finance a car
|
| 11/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Your entity must remove this unauthorized inquiry and provide a written response to my address. Please see attachments below.
|
| 11/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
1ST NATIONAL BANK OF OMAHA Knowingly report inaccurate information refuse to comply with multiple request to verify account
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX confirmation number XXXX this was paid as agreed and showing up on my credit report Bank of OMAHA
|
| 05/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
FNBO checked my credit because some filed a false application with them. I want the inquiry removed from my credit report.
|
| 07/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020 and many days before, it is almost every day they call when i am sleeping, i do not owe any dept to anyone.
|
| 10/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
It has been XXXX weeks and my {$5000.00} deposit is still sitting as pending. Essentially they have stolen my money.
|
| 11/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Fnbo bank his black ball me by saying my information is fraudulent and denying me credit whenever I apply with them
|
| 04/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
XXXX XXXX closed my account without any notice. I never received a notice to use my card this year. XX/XX/2021
|
| 03/10/2023 |
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
|
|
Web |
|
|
Unauthorized Hard Inquiries on my report on XX/XX/2021. I do not recognize this and find it to be inaccurate.
|
| 10/04/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX has no written instructions to furnish a report on my behalf and is actively committing identify theft
|
| 12/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I overpaid my balance twice before the statement closing date and was still charged fees and I interest.
|
| 06/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This company has called my landline twice asking for an individual that is not associated with landline.
|
| 10/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
Servicemember |
|
my social security number was used to open a checking and savings account by an unauthorized person
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently checked my credit report to find these XXXX unauthorized inquiries on my credit report
|
| 12/02/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
|
this account fnb omaha is a fraud account and fraudulent charges have been credit account # XXXX.
|
| 04/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
First National Bank of Omaha did not get my permission to pull my credit then did so anyway.
|
| 02/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
PLEASE REMOVE XXXX XXXX XXXX OFF MY ACCT SS # XXXX ACCT # XXXX AS WELL OF HER CREDIT REPORT.
|
| 02/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
PLEASE REMOVE XXXX XXXX SS # XXXX OFF ACCT XXXX OFF MY ACCT AS WELL OFF HIS CREDIT REPORT.
|
| 04/13/2017 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
Someone trying to open a credit card under my name from XXXX and XXXX first bank card.
|
| 02/10/2023 |
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
|
|
Web |
|
|
I never signed or requested an ibquiey into my credit report by XXXX XXXX on XX/XX/2022.
|
| 05/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Account was not verified or Consent was not givin prior to reporting under the FDCPA.
|
| 07/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone stole my identity and opened many accounts without my permission or authority.
|
| 09/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity was stolen, and a account with FNB Omaha was opened without my knowledge.
|
| 08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are accounts reporting on XXXX that dont belong to me. The accounts are listed.
|
| 01/27/2023 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
I tried fixing this on line but it hasn't changed and I haven't gotten any response
|
| 08/08/2018 |
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
|
|
Web |
|
|
I am a victim of identity theft and this account was opened without my knowledge.
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
please remove fraudulent accounts XXXX XXXX opened XX/XX/2018 XX/XX/2018
|
| 06/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
Rewards/Discounts program benefits are not being applied to the account
|
| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I did not give permission to anyone to run my credit report
|
| 02/06/2023 |
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
|
|
Web |
|
|
There are unauthorized inquiries on my credit report.
|
| 06/08/2019 |
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
|
|
Web |
|
|
FNB OMAHA ACCOUNT IS A FRAUDULENT AND NOT MINE.
|
| 09/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX XXXX CC ( MYLIFE ) XXXX PAID OFF XXXX OUT.
|
| 10/15/2022 |
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
|
|
Web |
Servicemember |
|
Unrecognized credit pulls on credit profile
|
| 09/28/2015 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
Pulled credit report without permission.
|
| 04/28/2019 |
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
|
|
Web |
|
|
INQUIRY I DONT RECOGNIZE BEING REPORTED
|
| 02/07/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/03/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American |
|
|
| 02/01/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Referral |
|
|
|
| 01/28/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Phone |
|
|
|
| 01/24/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Referral |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
|
|
|
| 01/12/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
|
| 01/09/2024 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit 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
|
|
Phone |
|
|
|
| 01/08/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Phone |
Older American |
|
|
| 01/05/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Phone |
Older American, Servicemember |
|
|
| 01/04/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Credit 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
|
|
Postal mail |
Older American |
|
|
| 12/20/2023 |
Yes |
- Credit 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
|
|
Referral |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Credit 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
|
|
Phone |
Older American, Servicemember |
|
|
| 12/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Credit 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
|
|
Phone |
|
|
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
|
| 11/29/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 11/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 11/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Referral |
|
|
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
|
| 11/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
Servicemember |
|
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 11/09/2023 |
No |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
Older American |
|
|
| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/01/2023 |
Yes |
- Credit 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
|
|
Phone |
Older American |
|
|
| 10/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
Older American |
|
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Credit 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
|
|
Phone |
|
|
|
| 10/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
Older American |
|
|
| 10/17/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 10/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 10/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
|
| 10/06/2023 |
Yes |
- Credit card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 09/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Referral |
|
|
|
| 09/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Older American, Servicemember |
|
|
| 09/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Phone |
Older American, Servicemember |
|
|
| 09/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/15/2023 |
No |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 09/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Phone |
|
|
|
| 09/11/2023 |
Yes |
- Credit 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
|
|
Web |
Older American |
|
|
| 09/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 09/10/2023 |
Yes |
- Credit 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
|
|
Web |
Older American |
|
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American, Servicemember |
|
|
| 09/05/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 08/31/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/28/2023 |
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
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
|
| 08/21/2023 |
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
|
|
Web |
|
|
|
| 08/20/2023 |
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
|
|
Web |
|
|
|
| 08/18/2023 |
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
|
|
Web |
|
|
|
| 08/15/2023 |
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
|
|
Phone |
|
|
|
| 08/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 08/09/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Postal mail |
|
|
|
| 08/02/2023 |
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
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
|
| 07/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
|
| 07/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Referral |
|
|
|
| 07/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Servicemember |
|
|
| 07/29/2023 |
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
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
|
| 07/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Phone |
Older American |
|
|
| 07/24/2023 |
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
|
|
Phone |
Older American, Servicemember |
|
|
| 07/20/2023 |
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
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 07/06/2023 |
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
|
|
Web |
|
|
|
| 07/06/2023 |
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
|
|
Web |
Older American |
|
|
| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 06/28/2023 |
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
|
|
Phone |
Older American |
|
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 06/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 06/23/2023 |
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
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 06/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 06/19/2023 |
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
|
|
Web |
Servicemember |
|
|
| 06/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Account sold or transferred to another company
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web Referral |
|
|
|
| 05/23/2023 |
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
|
|
Web Referral |
|
|
|
| 05/20/2023 |
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
|
|
Web |
Older American, Servicemember |
|
|
| 05/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/18/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/08/2023 |
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
|
|
Referral |
|
|
|
| 05/08/2023 |
No |
- 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
|
|
Phone |
Older American |
|
|
| 05/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 05/02/2023 |
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
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/01/2023 |
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
|
|
Phone |
|
|
|
| 04/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
|
|
|
| 04/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Phone |
|
|
|
| 04/24/2023 |
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
|
|
Web |
|
|
|
| 04/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
Older American |
|
|
| 04/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
Older American, Servicemember |
|
|
| 04/17/2023 |
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
|
|
Web |
Servicemember |
|
|
| 04/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
|
| 04/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Phone |
Older American |
|
|
| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/11/2023 |
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
|
|
Web |
Servicemember |
|
|
| 04/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Phone |
|
|
|
| 04/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Referral |
|
|
|
| 04/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 04/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 04/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 04/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/29/2023 |
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
|
|
Web |
|
|
|
| 03/29/2023 |
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
|
|
Web |
|
|
|
| 03/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 03/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Phone |
|
|
|
| 03/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Phone |
|
|
|
| 03/17/2023 |
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
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 03/14/2023 |
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
|
|
Web |
Older American, Servicemember |
|
|
| 03/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/04/2023 |
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
|
|
Web |
|
|
|
| 03/02/2023 |
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
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/01/2023 |
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
|
|
Referral |
|
|
|
| 02/24/2023 |
Yes |
- Credit card or prepaid card
- Gift card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
|
|
|
| 02/22/2023 |
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
|
|
Phone |
|
|
|
| 02/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/16/2023 |
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
|
|
Web |
|
|
|
| 02/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 02/14/2023 |
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
|
|
Web |
|
|
|
| 02/13/2023 |
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
|
|
Web |
|
|
|
| 02/12/2023 |
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
|
|
Web |
|
|
|
| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Servicemember |
|
|
| 02/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
|
| 02/06/2023 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/03/2023 |
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
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Phone |
|
|
|
| 01/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/21/2023 |
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
|
|
Web |
|
|
|
| 01/19/2023 |
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
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Postal mail |
|
|
|
| 01/18/2023 |
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
|
|
Web |
|
|
|
| 01/17/2023 |
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
|
|
Web |
Servicemember |
|
|
| 01/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 01/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 01/13/2023 |
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
|
|
Web |
Older American, Servicemember |
|
|
| 01/13/2023 |
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
|
|
Web |
|
|
|
| 01/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Account sold or transferred to another company
|
|
Web |
|
|
|
| 01/11/2023 |
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
|
|
Web |
|
|
|
| 01/11/2023 |
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
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Phone |
Older American |
|
|
| 01/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 01/10/2023 |
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
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 01/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/06/2023 |
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
|
|
Web |
|
|
|
| 12/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 12/28/2022 |
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
|
|
Web |
Servicemember |
|
|
| 12/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 12/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Phone |
Older American, Servicemember |
|
|
| 12/23/2022 |
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
|
|
Web |
|
|
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
|
| 12/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 12/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Referral |
|
|
|
| 12/19/2022 |
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
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 12/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 12/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American, Servicemember |
|
|
| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 12/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Problem lowering your monthly payments
|
|
Web |
Older American |
|
|
| 12/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Referral |
|
|
|
| 12/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 11/26/2022 |
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
|
|
Web |
|
|
|
| 11/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 11/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 11/21/2022 |
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
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Postal mail |
Older American |
|
|
| 11/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
Older American |
|
|
| 11/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/10/2022 |
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
|
|
Web |
|
|
|
| 11/09/2022 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Referral |
|
|
|
| 11/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 11/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 11/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 11/03/2022 |
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
|
|
Web |
|
|
|
| 11/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 11/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/24/2022 |
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
|
|
Web |
|
|
|
| 10/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Phone |
|
|
|
| 10/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
Older American |
|
|
| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
Older American |
|
|
| 10/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 10/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 10/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 10/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 10/13/2022 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web Referral |
|
|
|
| 10/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Servicemember |
|
|
| 10/05/2022 |
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
|
|
Web |
|
|
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Older American |
|
|
| 10/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Referral |
|
|
|
| 10/04/2022 |
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
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Older American, Servicemember |
|
|
| 09/30/2022 |
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
|
|
Phone |
Servicemember |
|
|
| 09/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 09/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 09/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 09/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Referral |
Older American |
|
|
| 09/28/2022 |
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
|
|
Web |
|
|
|
| 09/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 09/27/2022 |
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
|
|
Web |
Servicemember |
|
|
| 09/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
Older American |
|
|
| 09/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Servicemember |
|
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/14/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
|
|
|
| 09/12/2022 |
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
|
|
Web |
|
|
|
| 09/10/2022 |
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
|
|
Referral |
|
|
|
| 09/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 09/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Phone |
|
|
|
| 08/31/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 08/31/2022 |
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
|
|
Web |
|
|
|
| 08/30/2022 |
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
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 08/24/2022 |
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
|
|
Referral |
|
|
|
| 08/23/2022 |
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
|
|
Web |
Servicemember |
|
|
| 08/22/2022 |
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
|
|
Web |
Older American |
|
|
| 08/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 08/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American |
|
|
| 08/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Postal mail |
|
|
|
| 08/17/2022 |
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
|
|
Referral |
|
|
|
| 08/17/2022 |
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
|
|
Web |
|
|
|
| 08/16/2022 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 08/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 08/11/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Postal mail |
|
|
|
| 08/09/2022 |
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
|
|
Referral |
|
|
|
| 08/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 08/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/30/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 07/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Referral |
|
|
|
| 07/19/2022 |
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
|
|
Phone |
|
|
|
| 07/11/2022 |
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
|
|
Web |
|
|
|
| 07/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/06/2022 |
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
|
|
Web |
|
|
|
| 06/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Referral |
|
|
|
| 06/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 06/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 06/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/23/2022 |
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
|
|
Phone |
Older American, Servicemember |
|
|
| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 06/16/2022 |
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
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/11/2022 |
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
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Phone |
Older American |
|
|
| 06/05/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 06/02/2022 |
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
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 05/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/28/2022 |
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
|
|
Web |
Older American |
|
|
| 05/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 05/25/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 05/18/2022 |
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
|
|
Web |
|
|
|
| 05/14/2022 |
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
|
|
Web |
|
|
|
| 05/14/2022 |
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
|
|
Referral |
|
|
|
| 05/13/2022 |
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
|
|
Web |
|
|
|
| 05/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American |
|
|
| 04/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
|
|
|
| 04/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Postal mail |
|
|
|
| 04/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 04/11/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 04/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Referral |
|
|
|
| 04/04/2022 |
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
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 03/29/2022 |
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
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 03/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/14/2022 |
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
|
|
Web |
|
|
|
| 03/10/2022 |
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
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 03/04/2022 |
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
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Phone |
|
|
|
| 03/02/2022 |
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
|
|
Referral |
|
|
|
| 02/26/2022 |
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
|
|
Web |
|
|
|
| 02/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 02/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/17/2022 |
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
|
|
Web |
|
|
|
| 02/16/2022 |
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
|
|
Web |
|
|
|
| 02/16/2022 |
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
|
|
Web |
|
|
|
| 02/09/2022 |
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
|
|
Referral |
|
|
|
| 02/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/31/2022 |
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
|
|
Web |
|
|
|
| 01/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
|
| 01/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/13/2022 |
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
|
|
Phone |
|
|
|
| 01/07/2022 |
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
|
|
Referral |
|
|
|
| 01/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Referral |
|
|
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 12/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 12/17/2021 |
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
|
|
Web |
|
|
|
| 12/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Referral |
Older American |
|
|
| 12/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 11/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 11/16/2021 |
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
|
|
Web |
|
|
|
| 11/13/2021 |
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
|
|
Web |
|
|
|
| 11/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
|
| 10/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 10/24/2021 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American |
|
|
| 10/15/2021 |
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
|
|
Referral |
|
|
|
| 09/23/2021 |
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
|
|
Web |
|
|
|
| 09/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
|
| 09/09/2021 |
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
|
|
Web |
|
|
|
| 09/08/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/07/2021 |
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
|
|
Web |
|
|
|
| 09/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 09/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 09/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 08/26/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 08/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/24/2021 |
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
|
|
Web |
|
|
|
| 08/24/2021 |
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
|
|
Web |
|
|
|
| 08/22/2021 |
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
|
|
Web |
|
|
|
| 08/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 08/19/2021 |
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
|
|
Web |
|
|
|
| 08/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 08/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
|
|
| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/04/2021 |
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
|
|
Referral |
|
|
|
| 08/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 08/02/2021 |
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
|
|
Web |
|
|
|
| 07/30/2021 |
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
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 07/19/2021 |
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
|
|
Web |
Older American |
|
|
| 07/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/13/2021 |
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
|
|
Web |
|
|
|
| 07/05/2021 |
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
|
|
Web |
Servicemember |
|
|
| 06/30/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Phone |
Older American |
|
|
| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Phone |
Older American |
|
|
| 06/22/2021 |
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
|
|
Web |
|
|
|
| 06/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Phone |
Older American |
|
|
| 06/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/15/2021 |
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
|
|
Web |
Servicemember |
|
|
| 06/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Servicemember |
|
|
| 06/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 05/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Phone |
Older American |
|
|
| 05/26/2021 |
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
|
|
Web |
Older American |
|
|
| 05/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Referral |
|
|
|
| 05/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Referral |
|
|
|
| 05/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Older American |
|
|
| 05/05/2021 |
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
|
|
Referral |
|
|
|
| 05/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 04/27/2021 |
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
|
|
Web |
|
|
|
| 04/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 04/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 04/13/2021 |
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
|
|
Web |
Servicemember |
|
|
| 04/13/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 04/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Phone |
|
|
|
| 03/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 03/21/2021 |
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
|
|
Web |
Servicemember |
|
|
| 03/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/18/2021 |
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
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 03/15/2021 |
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
|
|
Web |
|
|
|
| 03/10/2021 |
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
|
|
Referral |
|
|
|
| 03/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Referral |
|
|
|
| 03/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 02/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 02/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 02/18/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2021 |
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
|
|
Postal mail |
|
|
|
| 01/22/2021 |
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
|
|
Referral |
|
|
|
| 01/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 01/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 01/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Fax |
|
|
|
| 12/29/2020 |
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
|
|
Web |
|
|
|
| 12/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 12/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 12/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 12/18/2020 |
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
|
|
Web |
|
|
|
| 12/14/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 12/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 12/11/2020 |
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
|
|
Web |
|
|
|
| 12/11/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 12/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/27/2020 |
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
|
|
Web |
|
|
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 11/25/2020 |
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
|
|
Postal mail |
|
|
|
| 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
|
|
Web |
Older American |
|
|
| 11/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Referral |
|
|
|
| 11/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Referral |
|
|
|
| 11/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Phone |
|
|
|
| 11/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 11/11/2020 |
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
|
|
Web |
|
|
|
| 11/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 11/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 10/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 10/28/2020 |
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
|
|
Postal mail |
|
|
|
| 10/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/15/2020 |
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
|
|
Phone |
|
|
|
| 10/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Postal mail |
|
|
|
| 09/29/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 09/25/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
|
| 09/24/2020 |
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
|
|
Postal mail |
|
|
|
| 09/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 09/15/2020 |
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
|
|
Postal mail |
|
|
|
| 09/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/14/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Referral |
|
|
|
| 09/13/2020 |
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
|
|
Referral |
|
|
|
| 09/11/2020 |
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
|
|
Web |
|
|
|
| 09/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Referral |
|
|
|
| 09/11/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 09/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/09/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 09/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Referral |
|
|
|
| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Phone |
|
|
|
| 09/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Phone |
Older American |
|
|
| 08/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
|
| 08/31/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 08/31/2020 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American |
|
|
| 08/24/2020 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 08/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Phone |
Older American |
|
|
| 07/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Older American |
|
|
| 07/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 07/20/2020 |
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
|
|
Web |
|
|
|
| 07/16/2020 |
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
|
|
Phone |
Older American |
|
|
| 07/16/2020 |
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
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Referral |
|
|
|
| 07/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
|
| 07/13/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Delay in processing application
|
|
Referral |
|
|
|
| 07/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/09/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 06/26/2020 |
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
|
|
Web |
|
|
|
| 06/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Postal mail |
|
|
|
| 06/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
|
|
| 06/08/2020 |
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
|
|
Web |
|
|
|
| 06/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Referral |
|
|
|
| 05/30/2020 |
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
|
|
Web |
|
|
|
| 05/23/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 05/22/2020 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Phone |
|
|
|
| 05/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 04/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/24/2020 |
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
|
|
Web |
Servicemember |
|
|
| 04/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 04/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Referral |
|
|
|
| 04/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 04/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/01/2020 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/27/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 03/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Referral |
|
|
|
| 03/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 03/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 03/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 03/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 03/17/2020 |
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
|
|
Phone |
Older American, Servicemember |
|
|
| 03/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 03/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/26/2020 |
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
|
|
Referral |
|
|
|
| 02/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
Servicemember |
|
|
| 02/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
Older American |
|
|
| 02/19/2020 |
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
|
|
Web |
|
|
|
| 02/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
|
| 02/13/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 02/12/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 02/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/05/2020 |
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
|
|
Web |
|
|
|
| 02/05/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/28/2020 |
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
|
|
Referral |
|
|
|
| 01/15/2020 |
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
|
|
Web |
Servicemember |
|
|
| 01/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/09/2020 |
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
|
|
Referral |
Older American |
|
|
| 01/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 01/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with convenience check
|
|
Postal mail |
|
|
|
| 01/02/2020 |
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
|
|
Postal mail |
|
|
|
| 01/01/2020 |
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
|
|
Web |
|
|
|
| 12/25/2019 |
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
|
|
Web |
|
|
|
| 12/18/2019 |
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
|
|
Web |
|
|
|
| 12/16/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 12/16/2019 |
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
|
|
Postal mail |
|
|
|
| 12/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Phone |
Older American |
|
|
| 12/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Filed for bankruptcy
|
|
Referral |
|
|
|
| 12/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/05/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
|
| 12/03/2019 |
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
|
|
Referral |
|
|
|
| 11/29/2019 |
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
|
|
Referral |
|
|
|
| 11/26/2019 |
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
|
|
Postal mail |
|
|
|
| 11/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Phone |
|
|
|
| 11/15/2019 |
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
|
|
Web |
|
|
|
| 11/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Postal mail |
|
|
|
| 11/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Referral |
|
|
|
| 10/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/23/2019 |
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
|
|
Web |
|
|
|
| 10/17/2019 |
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
|
|
Phone |
Older American |
|
|
| 10/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Filed for bankruptcy
|
|
Phone |
|
|
|
| 10/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Referral |
|
|
|
| 09/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 09/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 09/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 09/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 09/09/2019 |
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
|
|
Web |
|
|
|
| 09/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/03/2019 |
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
|
|
Phone |
|
|
|
| 08/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 08/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 08/26/2019 |
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
|
|
Web |
|
|
|
| 08/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
Older American |
|
|
| 08/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 08/21/2019 |
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
|
|
Referral |
|
|
|
| 08/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 08/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
|
| 08/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
|
| 08/15/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 08/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Postal mail |
Older American |
|
|
| 08/08/2019 |
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
|
|
Postal mail |
|
|
|
| 07/31/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Referral |
|
|
|
| 07/18/2019 |
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
|
|
Postal mail |
Older American, Servicemember |
|
|
| 07/17/2019 |
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
|
|
Postal mail |
|
|
|
| 07/16/2019 |
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
|
|
Web |
|
|
|
| 07/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 06/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 06/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 06/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Referral |
|
|
|
| 05/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Phone |
|
|
|
| 05/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 05/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 05/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Phone |
Older American, Servicemember |
|
|
| 05/23/2019 |
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
|
|
Phone |
|
|
|
| 05/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 05/15/2019 |
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
|
|
Web |
|
|
|
| 05/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 05/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 05/10/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 05/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 05/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Referral |
|
|
|
| 05/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 05/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 04/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Postal mail |
|
|
|
| 04/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 04/18/2019 |
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
|
|
Phone |
|
|
|
| 04/17/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 04/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 04/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 03/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 03/25/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 03/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 03/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 03/20/2019 |
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
|
|
Referral |
|
|
|
| 03/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Fax |
Older American, Servicemember |
|
|
| 03/12/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 03/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 03/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 03/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 03/05/2019 |
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
|
|
Web |
|
|
|
| 03/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Referral |
|
|
|
| 02/28/2019 |
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
|
|
Web |
|
|
|
| 02/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 02/22/2019 |
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
|
|
Referral |
|
|
|
| 02/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 02/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Phone |
|
|
|
| 02/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 02/05/2019 |
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
|
|
Web |
|
|
|
| 02/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Referral |
|
|
|
| 01/29/2019 |
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
|
|
Phone |
Servicemember |
|
|
| 01/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 01/25/2019 |
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
|
|
Web |
|
|
|
| 01/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 01/25/2019 |
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
|
|
Web |
Older American |
|
|
| 01/24/2019 |
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
|
|
Web |
|
|
|
| 01/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 01/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Phone |
|
|
|
| 01/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Phone |
|
|
|
| 01/15/2019 |
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
|
|
Web |
|
|
|
| 01/14/2019 |
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
|
|
Web |
|
|
|
| 01/07/2019 |
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
|
|
Web |
|
|
|
| 01/04/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 12/26/2018 |
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
|
|
Postal mail |
|
|
|
| 12/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 12/14/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Referral |
|
|
|
| 12/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Phone |
|
|
|
| 12/02/2018 |
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
|
|
Web |
|
|
|
| 11/25/2018 |
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
|
|
Web |
|
|
|
| 11/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 11/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 11/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
|
| 11/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 11/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 11/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
|
|
|
| 10/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/29/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Postal mail |
|
|
|
| 10/26/2018 |
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
|
|
Web |
|
|
|
| 10/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 10/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 10/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 10/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 10/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 10/12/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 10/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Postal mail |
|
|
|
| 10/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 10/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/02/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Incorrect information on your report
- Personal information incorrect
|
|
Referral |
|
|
|
| 09/28/2018 |
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
|
|
Web |
|
|
|
| 09/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 09/21/2018 |
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
|
|
Web |
|
|
|
| 09/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 09/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Older American |
|
|
| 09/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Postal mail |
|
|
|
| 09/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Postal mail |
|
|
|
| 09/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 09/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 09/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Postal mail |
|
|
|
| 09/05/2018 |
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
|
|
Postal mail |
|
|
|
| 09/05/2018 |
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
|
|
Postal mail |
|
|
|
| 08/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 08/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 08/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 08/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Phone |
|
|
|
| 08/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 08/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 08/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Postal mail |
|
|
|
| 08/03/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 08/02/2018 |
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
|
|
Web |
|
|
|
| 07/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Referral |
|
|
|
| 07/25/2018 |
No |
- 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
|
|
Web |
|
|
|
| 07/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
|
| 07/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Postal mail |
|
|
|
| 07/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American, Servicemember |
|
|
| 07/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 07/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
|
| 07/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Phone |
|
|
|
| 06/30/2018 |
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
|
|
Web |
Older American |
|
|
| 06/28/2018 |
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
|
|
Fax |
|
|
|
| 06/28/2018 |
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
|
|
Referral |
|
|
|
| 06/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Postal mail |
|
|
|
| 06/22/2018 |
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
|
|
Web |
Servicemember |
|
|
| 06/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/21/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 06/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 06/15/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 06/14/2018 |
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
|
|
Postal mail |
|
|
|
| 06/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 06/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Referral |
|
|
|
| 06/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 06/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 06/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Postal mail |
|
|
|
| 06/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 06/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/29/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 05/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 05/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 05/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 05/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Postal mail |
|
|
|
| 05/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Postal mail |
|
|
|
| 05/15/2018 |
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
|
|
Referral |
|
|
|
| 05/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 05/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 04/30/2018 |
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
|
|
Web |
|
|
|
| 04/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Referral |
|
|
|
| 04/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 04/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Referral |
|
|
|
| 04/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 04/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Referral |
|
|
|
| 04/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Referral |
|
|
|
| 04/05/2018 |
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
|
|
Referral |
|
|
|
| 04/05/2018 |
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
|
|
Referral |
|
|
|
| 04/05/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Referral |
|
|
|
| 03/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Postal mail |
|
|
|
| 03/08/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 03/07/2018 |
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
|
|
Web |
Servicemember |
|
|
| 03/05/2018 |
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
|
|
Referral |
|
|
|
| 03/05/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 02/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 02/14/2018 |
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
|
|
Web |
|
|
|
| 02/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 02/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 02/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Referral |
|
|
|
| 02/01/2018 |
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
|
|
Referral |
|
|
|
| 01/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Postal mail |
|
|
|
| 01/30/2018 |
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
|
|
Web |
|
|
|
| 01/29/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
|
|
|
| 01/22/2018 |
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
|
|
Web |
Older American |
|
|
| 01/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 01/11/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Phone |
|
|
|
| 01/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Referral |
|
|
|
| 01/08/2018 |
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
|
|
Web |
|
|
|
| 01/05/2018 |
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
|
|
Web |
|
|
|
| 12/28/2017 |
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
|
|
Web |
|
|
|
| 12/27/2017 |
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
|
|
Web |
|
|
|
| 12/21/2017 |
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
|
|
Referral |
|
|
|
| 12/19/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 12/19/2017 |
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
|
|
Web |
|
|
|
| 12/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 12/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Phone |
|
|
|
| 12/07/2017 |
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
|
|
Web |
|
|
|
| 12/05/2017 |
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
|
|
Web |
|
|
|
| 12/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/01/2017 |
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
|
|
Phone |
|
|
|
| 11/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/21/2017 |
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
|
|
Web |
|
|
|
| 11/17/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Postal mail |
|
|
|
| 11/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/13/2017 |
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
|
|
Web |
|
|
|
| 11/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Fax |
|
|
|
| 11/08/2017 |
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
|
|
Web |
Servicemember |
|
|
| 11/03/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/03/2017 |
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
|
|
Web |
|
|
|
| 11/02/2017 |
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
|
|
Referral |
|
|
|
| 11/01/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 10/24/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with cash advances
|
|
Phone |
|
|
|
| 10/24/2017 |
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
|
|
Web |
Older American |
|
|
| 10/23/2017 |
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
|
|
Web |
|
|
|
| 10/22/2017 |
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
|
|
Web |
|
|
|
| 10/19/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 10/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 09/26/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Fax |
|
|
|
| 09/21/2017 |
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
|
|
Postal mail |
|
|
|
| 09/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Referral |
|
|
|
| 09/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 09/14/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Phone |
Servicemember |
|
|
| 09/11/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Referral |
|
|
|
| 09/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 09/09/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 09/05/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 09/05/2017 |
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
|
|
Referral |
|
|
|
| 08/18/2017 |
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
|
|
Web |
|
|
|
| 08/17/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/15/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 08/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 08/14/2017 |
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
|
|
Web |
|
|
|
| 08/10/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 08/10/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 08/08/2017 |
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
|
|
Web |
|
|
|
| 07/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 07/30/2017 |
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
|
|
Web |
Older American |
|
|
| 07/26/2017 |
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
|
|
Fax |
Servicemember |
|
|
| 07/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/24/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 07/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 07/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 07/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 07/07/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Referral |
|
|
|
| 07/06/2017 |
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
|
|
Referral |
|
|
|
| 07/05/2017 |
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
|
|
Web |
|
|
|
| 06/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 06/23/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 06/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 06/15/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 06/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 06/08/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 05/26/2017 |
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
|
|
Web |
|
|
|
| 05/22/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 05/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 05/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Problem lowering your monthly payments
|
|
Phone |
|
|
|
| 05/08/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/30/2017 |
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
|
|
Referral |
|
|
|
| 04/27/2017 |
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
|
|
Referral |
|
|
|
| 04/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 04/20/2017 |
Yes |
|
|
|
Referral |
|
|
|
| 04/19/2017 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Referral |
|
|
|
| 04/13/2017 |
Yes |
|
|
|
Referral |
|
|
|
| 04/10/2017 |
Yes |
|
- Closing/Cancelling account
|
|
Referral |
|
|
|
| 04/09/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 04/05/2017 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 03/31/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/27/2017 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 03/23/2017 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Referral |
Older American |
|
|
| 03/15/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/06/2017 |
Yes |
|
|
|
Web |
|
|
|
| 03/01/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 03/01/2017 |
Yes |
|
|
|
Web |
|
|
|