First National Bank of Omaha (FNBO)
Reviews and Complaints

I have been a victim of identity theft and fraud. I followed all the guidelines and proper procedures to remove all fraudulent accounts and inquires as a result. I have notified credit companies, files a police report for identity theft, and filed a FTC (Federal Trade Commission) Identity theft report. All these supporting documents have been forwarded countless and Multiple times to the credit Bureau EXPERIAN, TRANSUNION, and EQUINOX. ALONG with FNB OMAHA BANK. However countless time and time again they refuse to follow rules, protocols, and the law. They do not remove the negative/ fraudulent account and credit inquires from my credit report. I have always sent certified priority mail to make sure they have received it. It is by LAW by FCRA 605B (15 U.S.C. & 1681 c-2), which states that these accounts must be removed within 4 Business Days of receipt that have been reported and resulted from identity theft and Fraud. FNBO just disregards and ignores my complaint. Why because they are *** and profit from doing so. It has been over 1 YEAR of this back and forth. The other fraudulent accounts ad inquiries have already removed them along time ago. This bank isn't abiding and hearing me out. They uses excuses or lies to validate their reporting. For instance if the account FNB OMAHA account is removed, the company re-reports it or changes the account to update the account and report it. At this time I am so tired, frustrated, and hopless. I have even warned them about filling a complaint. So I hope ComplaintsBoard.com will please help me resolve my problem. By compelling this bank to remove the negative account 'FNB OMAHA' in the amount of $*** which was opened as a result of identity theft/fraud on OCTOBER 10" for all my credit reports

I'd like to report an incident involving Sarah, the branch manager at a bank. After an ATM issue with my deposit, I sought help from the bank. The ATM representative was helpful, but when I visited the bank for assistance, I was met with unprofessionalism. Sarah, the branch manager, dismissed my concerns, was unhelpful, and even became confrontational, leading to a distressing situation. Despite needing support for the ATM dispute, Sarah's response was dismissive, and she refused to provide documentation or escalate the matter. Her behavior escalated to the point of physical confrontation, and she instructed other employees to call the police. I have recorded the entire encounter and am seeking assistance to resolve this matter.

I am one of the business card holder with the FNBO bank. On December 13,2022 I was trying to get an approval from a vacation package company and did a three way call with FNBO to verify the transaction to accept due to not receiving an email or a text that the process was trying to go through. I was then transferred through fraud protection, which I didn't understand because I gave all my personal information. I was told I needed to go to a local bank to show my id and have them call them for them to process the transaction. Not only do they not have a branch in *** but I would have to make an appointment to speak to a representative at any local bank. So I then decided I was no longer going to go through with the purchase of the vacation as it seemed that the company could have been fraudulent. But the bank was looking at me the card holder as the person trying to commit the fraud. The following day December 14th, I went to purchase items for a holiday party and the card was blocked. I reached out to customer service who then asked me all my info about the account and yet refused to remove the hold. I even stated if I was to make a payment on the account which was currently due for the 15th will it prove I was the card holder, I was told they will still not remove the hold. I understand that there is a protection provided to a card holder which is great, but this bank company has taken it to the extreme. The customer (myself) has given all the information needed for verification and yet they want me to do leg work, time out of my work day to remove a hold on a card that honestly would benefit then in the long run. I wouldn't recommend this business bank card to anyone especially with them not offering any incentives for using the card and the high increase in interest applied now.

I was a loyal customer of this bank for over a year. I utilized their $*** offer of credit to consolidate my other credit cards during their interest free grace period. Prior to the end of the grace period, I paid off the $*** and continued to use the card. Last month I needed to make a purchase of advertising through ***, which was going to cost $***. I called ahead of time and got approval for the purchase. Well for some reason *** had opened my account using n/a for company name, instead of my registered DBA. I requested they correct the mistake, which they did, but upon issuing the correction they required canceling the original $*** transaction and putting a 2nd one through. *** refunded the original $*** but were unable to put the replacement charge through. I called FNBO and they told me that "a department higher than their fraud department" had frozen my account and that unless I sent them notarized copies of my ID, SS card, and paystub they weren't going to lift the freeze. I provided the documents, at my cost (the notary fees) but I received nothing from FNBO confirming, they have removed my access to my account (including statements and purchase history), and when I call and enter my information in their automated system, I'm told "you call is being routed to the next available agent and you are next in the que" but then I am put on hold for 35 minutes, 48 minutes, and 42 minutes, and I am calling during their normal business hours. Obviously, they have put me in some kind of black list. This is a ridiculous way to do business. Why did I spend money on notary fees? I have charged over *** through this bank and now I'm worthless in their eyes. I have never had a company treat me this way. *** This company is *** and ***.

I paid of a personal loan for over ***, never once late. I opted into paperless settings and requested an email change for billing correspondence during my loan period. FNBO never uodated my email. When my final payment was drafted I believed my loan was paid off. I never received a phone call, email, or letter indicating I had a $*** balance remaining. FNBO never reported 30,60, or 90 day late payments for unknown balance of $*** of a *** loan--which certainly would have notified me at that point since FNBO never did. I suddenly am notified by a credit bureau alert that I now have a delinquent account reporting as an unpaid charge off account for again, *** dollars! I have no other negative history on my report and my family is unable to be approved for a mortgage as this has lowered my score by over *** points. When I contacted customer service I was assured in writing that this would be corrected and the account would be uodated to current after we paid the *** dollars. They advised the email request never was completed on their end and apologized. The account was corrected in February 2023 but now again has reverted back to a delinquent charge off and the next customer service people we spoke to told us the exact opposite from the first, that the *** dollar charge off stands. FNBO never uodated our contact info and we had auto payments set up to ensure the entire balance was paid in full every month. Why one last amount for *** dollars went undisclosed until point of charge off is crazy. Had fnbo changed our email as we requested years ago, called us, even reported a 30 day late to the bureau all of this could have been avoided over again *** dollars! Please contact me to address this situation immediately. The account is still showing delinquent and unpaid although it has been paid. We are asking the charge off status be reversed as promised due to the unique situation in which fnbo dropped the ball.

I applied for a credit card with FNBO on Jun 30, 2022 and was immediately approved with a substantial credit limit. On 09/09/2022 I received a late fee charge and on 09/13/22 a minimum interest charge. This is the first time in many years of making credit card payments that I had ever had a missed or returned payment. FNBO had canceled my automatic payment, and then applied these fees shortly before the payment due date. They cited 'Account Closed' as the reason for the returned payment, implying my credit union account was no longer active. I've maintained that account for many years, with no prior issues of returned payments, and I have other accounts that auto-debit from it, including credit cards. The account was not closed and had enough funds to cover the payment, so I suspected an error on FNBO's part. I contacted FNBO, requested a refund of the fees, which they processed. I provided them the same account information as before, and transactions proceeded without issue for months. However, on 01/05/23, they returned a payment citing 'Insufficient Funds'. They retried and successfully withdrew the payment on 01/09/23. No notification of the returned payment was given, despite my account holding sufficient funds to cover the full card balance, not just the minimum payment. I learned of the issue when a request for a credit limit increase was denied due to 'recent returned payment'. After persistent inquiries, a customer service representative informed me of the returned payment on 01/05/23. The rationale behind the company's approach to customer relations is unclear, but it is certainly a practice that should be reconsidered.

My issue involves a credit card and account with FNBO. My credit card expired on 9/30. I fully paid off this card, and decided I didn't want to reactivate a new credit card right away. In mid January, I noticed that my credit score went down. After searching and calling FNBO, I found out there were charges still being made by ***. I told FNBO I didn't authorize any charges and they told me I needed to talk to ***. I called ***, who confirmed the charges, gave me a partial refund, and cancelled any future charges. However, I still had about $*** in charges and late fees on an account with FNBO. I called them again, since all of these charges were made after my credit card expired. I explained to them I didn't understand why charges were still being made to an expired credit card/account, which is why I was hesitating to pay. FNBO told me that they can open/renew the account so they can continue charging me. I told FNBO I did not authorize any of this, and I received no notice in any way telling me they opened a new account to charge me. FNBO kept pushing me to just pay the bill, but I was hesitant to do so because it didn't make sense to be able to open new accounts without notice or my permission. I asked them how this could be fixed, and if my credit score and credit report could be fixed (because I now had a delinquency report) and they told me no because "It wasn't their fault". I felt like they were just brushing me off and even if this is something they can do, I did not receive any notice from FNBO about the payments or new account being opened. I am trying to get my credit score back to where it was and the delinquency taken off. I pay my bills, I overpay my student loans every month, and my credit score and report are being effected by a company's lack of communication. It does not seem legal to open a new account for continued charges, especially when it's not authorized or communicated in any way to me.

Several years ago, I opened a new credit card with a bank. In Oct 2022, ownership of this card was switched over to you (FNBO). However, I was never notified of this change by either the original bank or FNBO through any method (mail, email, text, or phone call). I called on Jan. 14, and they told me they mailed me a new card last Oct, but I never received it. Earlier this month (Jan), I started getting emails from FNBO saying that I had a missed payment. I was confused since I did not recognize this bank. On Jan. 14, the person I spoke to said that they would mail me a new card on Jan. 18. But, I keep getting calls from FNBO telling me that I have missed a payment. This whole experience has been very frustrating to me. As someone who has never missed a credit card or loan payment in my life (as evidenced by my good credit score), it is very anxiety provoking to be called daily asking for the payment. Had I been informed of the account change, I would have known to expect my new credit card last year, and when it didn't arrive, I would have immediately reached out to let you know to send a new one. I feel like I have done nothing wrong in this situation. If I have done something wrong, please let me know. It is not my fault that FNBO (or the original bank) never informed me that my account switched. You emailed and called me only after I missed a payment. Why did you not call or email me to welcome me as a new customer (the person I spoke to on Jan.14 confirmed that an email was never sent telling me of the switch)? You may have tried to mail me a letter saying this, but again, I never received it. At the end of the day, I feel as though I have been treated unfairly, and am at risk of being punished through no fault of my own. Just so you know, when the credit card arrives, I will make the payment, and then I will close my account with FNBO. This whole experience has left a bad taste in my mouth, and I feel as though you do not value me as a customer.

I was notified by the bank on Oct 28 that my account was past due a full billing cycle in the amount of $***. I had made a pymt by phone using the bank's phone system earlier that month, and was not aware that the full amount was not collected at the time. I was short $***. On that Oct 28 call, I paid the past due balance of $***, but was informed that my credit report was updated to reflect a past due acct. The rep expressed sympathy that something so nominal had to be reported. The next month, I also made the pymt by phone, and again the pymt was short less than $*. I received a call on Nov 28 and spoke with the representative who informed me that my pymt was still behind a full billing cycle. Another nominal amount posted to my credit report after making a pymt in good faith both months. This time I'm concerned and question if there is something wrong with the bank's system. I tried to contact the bank to discuss the pay-by-phone system and determine why the pymts keep coming up short. I always paid the minimum pymt requested by the phone system. I have yet to receive an answer from anyone. I added $extra dollars to my most recent pymt to avoid the bank's system issues. It seems that past pymts were made by selecting the min pymt due and both resulted in the account being underpaid. I wanted to avoid that happening again. It's pretty *** and frustrating to have your credit impacted by such nominal amounts. It's also frustrating to be unable to get a fair answer from anyone other than look at your bank statements. My credit report now reflects 2 months with payments PD 30 days, with a past due payment amount of $***. The data is inaccurate. I called the bank to complain and was told by the rep that she would make a note on the credit report account with the "actual" PD amount for less than $*. However, I'm not sure how this does anything to help my credit report and score. This has to be a violation of the Fair Credit Reporting Act. Please investigate

I am being harassed by the FNBO, they are my *** charge card company. During the week of 20-24 February 2023, a local heating company (***) installed a new hot water boiler in my home. Then on 2 March 2023, I called the FNBO *** (***), and I told FNBO rep that I was going to use my *** charge card to pay *** $***. My current *** account (-***) balance was $***, with a credit limit of $***. So, after speaking with FNBO, I called *** and I asked *** while I was on the phone to run my *** card through - it was declined. I was stunned... because I made sure before hand that there would be no problem using my FNBO *** card. So, again I called the FNBO *** card company (FNBO), and after numerous attempts I finally spoke with a FNBO rep. I told the rep, that I am trying to pay *** $*** and FNBO already knew this. Now I am depressed, and I could not believe having to do something so simple with FNBO, that it would be so difficult for a consumer. I waited so long on hold, numerous calls, being hung up on, I finally spoke with a FNBO rep. Again, the FNBO rep told me that there should be no problem, ***. So, again I called *** for the third time... they run the card through and it finally worked after an hour on the phones. Unbelievable, later the local police department of *** calls me (***), the FNBO *** card, they received a call from the FNBO. So after all of this, I ***. How *** can a consumer is treated like this by the FNBO. Last thing, now I find that my new *** charge card (account ***) has been tampered with. My old *** (account -***) charges are now showing up on my new *** (account -***) card. This is wrong for FNBO to do to a consumer: harassment, call police, tamper with account data

On August 19, 2022 I obtained a loan to consolidate credit cards into one monthly payment. It was agreed that the loan amount would be $*** & that my credit cards would be paid within 10 business days. I was told that an electronic payment could not be made to my local credit union to pay that card & that they'd need to mail the check in the amount of $***. I still have not received that check & now I've paid interest on the credit card balance AS WELL AS the $*** portion of the loan. I have called several times to let them know that the check has never been received. I was told first to wait the 10 business days. After 10 business days I called again. I was told that they would not stop payment on the "lost" check until 21 business days had passed & then they would issue a new check to be mailed. I requested that they not charge interest on the money that I had not received. They told me that I agreed to pay interest from the date the loan was approved & they would not waive the $*** in interest even though they said they could see that the money had never been distributed. I agreed to pay interest on money that I actually received, not on money that I did not receive. They agreed that I would have these funds within 10 business days. It's now been 21 business (34 calendar) days & I still do not have the money but I have been charged $*** in interest on that portion of the loan. A manager *** told me to take it up with the US Postal Service which I would if this bank had mailed the check in a manner in which it could be tracked, but they didn't. Very irresponsible on their part. I want the first month's interest on the portion of the money refunded to my account as I did not have the use of that money for the first month of the loan. I do not believe the check ever left their facility & they have offered no proof that it was ever mailed. Today I was told that is will be at least another 2 weeks before the new check is issued, so another month of interest!

I have 2 credit card accounts with FNBO. One *** card and one card with ***. I recently used the FNBO online banking app to schedule a payment for each card. I logged into my account, clicked into my *** card account, selected the payments option. I chose the option to pay other amount. I entered $*** for the payment amount and hit submit payment. FNBO does not send an email confirmation for scheduling a payment so I am at the mercy of the bank to ensure they properly charge my checking account and post payment to my *** card account. I then clicked into my *** card account and scheduled an $*** payment in the same manner. Both payments were scheduled to post on 10/19/2022. On 10/19/2022, I logged into my FNBO account to ensure my payments posted. Upon logging in, to my shock, I saw that FNBO had posted payments for the entire balance of both my accounts. One account for $*** and another for $***. Upon this discovery, I immediately called FNBO customer service. The representative assured me that she had rectified the mistake and had canceled the payments for the balance of my accounts. She told me that they had to shut down my online accounts in order to figure out the issue and stop the payments so I would have to schedule my desired payments over the phone. So I did. Then, the next day, my checking account was charged for both payments for the balances. I called FNBO again and they informed me their was nothing they could do. I called my bank, who told me the payment was still in "representation" and FNBO could easily stop it. I called FNBO for a third time and they still insisted there was nothing they could do. I called my personal bank again and had to pay $*** to stop payment on the unauthorized amounts that FNBO was attempting to withdraw. I spoke with FNBO 3 times. They had 3 chances to correct this error. Now I'm out a lot of time spent on the phone and $. I bet FNBO will also try to charge me for the stopped payments!

The First National Bank of Omaha unlawfully linked a fraudulent credit card account to a consumer and passed it to collection agencies, breaching FCRA regulations. I sent a demand for all related documents and the police report on identity theft as per FCRA requirements, but the bank has yet to reply in writing to my multiple document requests. Despite confirmed receipt of my demands via express mail on various dates, the bank remains unresponsive. It's illegal for a bank to transfer an identity theft case to collectors. I've demanded the agencies remove the account from credit reports. Without the necessary documents by 11/13, I will initiate legal action against the agency for reporting this to credit bureaus and may also sue the bank for FCRA violations as the original creditor of the account.

This company reported inaccurate charges and late payments to the credit bureau on multiple occasions. This company has reported multiple inaccurate late payments to the credit bureau and refuses to acknowledge our disputes and their error. We opened a credit card in 2015 and made no further purchases as of 2016. Our credit report indicates last payment made December . Three years later and no billing statements or correspondence from the company and we have late payments reported to the credit bureau in 2019? We disputed the charges and late payment reportings to FNB and each one of the credit bureaus. It was determined that the charges were fraudulent and they were removed from our credit report. We have confirmation letters from the credit bureaus that the charges were deleted. Fast forward to 2020 and FNB has now put the 2019 late payments back on our credit report AND reported more late payments in 2020. Again, we haven't used the card or received any billings from them since 2016! We have called the company multiple times, we have spoken with supervisors and have confirmation numbers that this is being resolved. Each time we call we request documentation in writing from FNB that this is being taken care of and we have never received anything from the company. Only more late payment reportings for a card we haven't used in over 4 years! Called again today and spoke with another supervisor and we are now being told this is our problem and we have to "go through the proper channels of disputing with credit bureaus." Tried explaining we had already disputed these charges and received validation that the reporting was inaccurate and had previously been removed from our credit. Asked the supervisor to reference previous phone calls that are supposedly recorded and the past confirmation numbers with other supervisors and he still insisted this is our problem, the late payments all stand and we have to take it up AGAIN with each credit bureau. This is the only negative item on our credit report and it's extremely upsetting!

Practices against customers in order to accumulate debt and force financial ruin during a pandemic. My name is Daniel ***, account number ending ***. I have been a customer since ***. I was recently alerted my account credit limit was lowered from $*** to $*** - which changed my available credit from $*** to $. This pushes my debt to credit ratio making it appear I am at my credit's limit - thus the potential to lowering my credit score. Back in 2019, I jointed *** in order to help achieve ending my credit card debt. A large reason for the accumulation of debt was my income suffered ***. During this time, it became difficult negotiating with credit card companies who remained stubborn not to lower apr. So to fast track the resolution of debt I turned to ***. I was made aware working with creditors may lower my credit score but I could still work with creditors for resolutions. The one credit card I left open was First National Bank of Omaha. I had an outstanding payment history since ***, and I wanted to keep one card available for emergencies and to keep stability with credit. I was urged by *** to incorporate FNBO into the relief program, but since my PERCEIVED relationship was in excellent standing, I decided to keep the account open. I have been enrolled in automatic payments with FNBO for years. I received an email that as of March 4 the decrease in my credit limit was assessed. I recognize this decrease can raise my apr besides change my credit to debt ration making the PERCEPTION that I am often at my credit limit. These PERCEPTIONS direct the markets to decide if a customer is in good financial standing. The PERCEPTIONS can then reflect badly upon the customer and affect their jobs, their residence and even their mental health. When I called FNBO customer service today at 10:02am PST I was transferred to supervisor "David extension ***". He told me no one would be able to work with me on keeping my credit limit at $***. He told me, in his words, "this is fact". He also told me it was "fact" that "it was out of their hands" to work with me to make any adjustments to my account. I told him I was shocked. I asked to be transferred to a different supervisor or a different department and he REFUSED. Our nation has been suffering through a pandemic - one that has affected the world globally. Literally all humans have been affected by Covid19 on some level. Especially, financially. I have been a member in excellent standing since ***. In fact, I have been in excellent standing with *** settling 4 credit cards and leaving one card yet to settle, but currently negotiating a settlement. My credit score has gone from over *** to ***. But what amazes me, is after 1 year of a globe ECONOMIC pandemic, FNBO would calculate on using predatory leading tactics against a good standing customer since ***. And not only engage in predatory practices, but when asked for assistance, the supervisor REFUSED to assist. Paying minimum monthly automatic payments is ENCOURAGED by FNBO customer service. I've done that. I have paid ADDITIONAL payments over my monthly payment. I have stayed on top of my payments while being ON UNEMPLOYMENT SINCE MARCH . I have been an EXCELLENT customer. Has FNBO applied for financial reliefs? Has FNBO looked for government assistance or lobbied on behalf of hardships because of the pandemic? Does FNBO truly have an inability to negotiate with their customers in good standing? Is the solution is that I COMPLETELY stop payment of this card in order to get someone from customer service to work with their customer? Once again - I have been in excellent standing since *** with FBNO, even during a global pandemic while on unemployment and I'm told there is NOTHING FNBO can do? What's next, going to my Attorney General over predatory practices?