FIRST NATIONAL BANK OF OMAHA

2019-12-03

Franklin Park, NJ

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-30

Bohemia, NY

Communication tactics

Debt collection: I do not know

Called before 8am or after 9pm
Complaint: 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,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-29

Ny City, NY

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't increase or decrease your credit limit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-27

Walthill, NE

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-27

Berthoud, CO

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: 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}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Springfield, MO

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't increase or decrease your credit limit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-25

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-20

Milwaukee, WI

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-15

Arlington Heights, IL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-12

Houston, TX

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-11

Lewisville, TX

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-08

Austin, TX

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Account information incorrect
Complaint: 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 )?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

Canton, MI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-05

Kansas City, KS

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-29

Washington, DC

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-29

Colo Spgs, CO

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Was not notified of investigation status or results
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Lewisville, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Wonder Lake, IL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-25

Burnsville, MN

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

Mesa, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-23

Louisville, KY

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-17

Austin, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-17

Briggs, OH

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't increase or decrease your credit limit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-16

Coeur D Alene, ID

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Filed for bankruptcy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-15

CO

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response