Complaints
This profile includes complaints for First National Bank of Omaha (FNBO)'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 395 total complaints in the last 3 years.
- 106 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:06/19/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
06/19/2025 total fraudulent charges 688.28 estimated. They are trying to get me to pay minimum payment on fraudulent charges. When asked for a more detailed explanation of why. They only explanation offered is - "all clients are expected to make a minimum payment."
When I further wanted clarification and the justification, I was transferred then hung up on.
Business Response
Date: 06/26/2025
June 26, 2025
As you requested, we addressed this matter directly with ***** ****** on June 26, 2025 by way of letter. The customer should
receive the letter in the next 7-10 business days. However, in the interest of
protecting our customer’s confidentiality, we are unable to provide you with
the details of our letter. If you would like further details, please contact ***** ****** directly. Please let us know if you have any questions
regarding the resolution of our inquiry and thank you for taking the time to
bring this matter to our attention.Initial Complaint
Date:06/08/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
SLICE by FNBO released all the funds at once on 08/07/24 before even the start of the project not according to email sent 08/07/24 - Contractor didn't provide the product and I canceled my loan with FNBO on 08/23/24 requesting a refund. FNBO was notified about the problem - inspection report was sent to them as a proof. Later appeared the contractor can't even do business because lapse in his professional insurances. FNBO released the all the funds in advance and didn't respect stages funding as per their email from 08/07/24. Contractor failed to obtain a permit before the start of the project as well and even 5 months later. I was not able to live in my house because of the lack of HVAC and had to pay rent outside for 5 months.
Not only that FNBO didn't cancel my loan but they also reported me as a late payment to TransUnion and Equifax. In Nov they put my account on hold till my dispute is in progress. Then error in their system trigger late payment report to TransUnion. then another report this time to Equifax on June the 7th'25.
I've been sending emails with proof of wrongdoing from the contractor and FNBO and no one took me seriously. FNBO supposed to send initial funding when the project is ready to start - obtaining permit and equipment and then further disbursement by stages approved by me. Never approved any stages nor my project was ready to begin when all funds were sent to contractor.
FNBO has horrible Customer Service. No follow ups regarding my emails. No one knows why my account even though on Auto Pay shows past due.
The minimum from FNBO is to request required documentation from contractors and payers so FNBO is sure the project was completed to customer satisfaction and they can release the funds or the remaining of it.
This is not how you do business. Left multiple voice mails to Office of the President - no calls back. Customer Service only record the complains and no follow up even though promised such. FNBO is a big scam companyBusiness Response
Date: 06/26/2025
June 26, 2025
As you requested, we addressed this matter directly with ******* ********* on June 26, 2025, by way of letter. The customer should
receive the letter in the next 7-10 business days. However, in the interest of
protecting our customer’s confidentiality, we are unable to provide you with
the details of our letter. If you would like further details, please contact ******* ********* directly. Please let us know if you have any questions
regarding the resolution of our inquiry and thank you for taking the time to
bring this matter to our attention.Initial Complaint
Date:06/08/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
In March 2025 I enrolled in paperless billing with my BP Visa credit card through FNBO due to their starting to charge for paper statements. We rarely use this credit card and pay it in full each time as we try to do with all of our credit cards each month. Sometime after enrolling we used the credit card for fuel once for $41.00. this would be the first and only time the card was used since enrolling in paperless billing. In May 2025, I noticed a negative filing on my credit report through Experian. It showed a 30 day late report filed by FNBO for $44.00. I immediately contacted FNBO customer service and paid the bill by providing my checking account routing number and informed them I noticed this negative filing. I informed them we hadn't yet received our first paperless statement since enrolling. Customer service waived the late fees but said they wouldn't remove the negative filing to our credit report. We have had the BP account for 44 years and have never been late on a payment. I had them remove us from paperless billing so we don't miss another bill. Prior to this incident Experian reported our credit rating as exceptional with a score of 849/850. Our rating dropped to Good 738/850 because of this one incident. I will be 68 years-old this week and have never been late in paying a bill. I have checked my email trash, spam, deleted and in-box without locating any statements from FNBO. Although they insist the email was sent and delivered we cannot locate it. I contacted a supervisor and they refused to remove the negative report. I have tried to contact a supervisor's supervisor to explain but have not been able to reach one. I was told one would call me back but nobody has as of the writing of this complaint. I filed a dispute with Experian and have been advised the creditor refuses to remove the report. This is the only negative report on my credit history in fifty-years of credit and it has severely negatively affected my credit report.Business Response
Date: 06/24/2025
June 24, 2025
As you requested, we
addressed this matter directly with ****** ******** on June 24, 2025 by way
of letter. The customer should receive the letter in the next 7-10 business
days. However, in the interest of protecting our customer’s confidentiality, we
are unable to provide you with the details of our letter. If you would like
further details, please contact ****** ******** directly. Please let us know if you have any
questions regarding the resolution of our inquiry and thank you for taking the
time to bring this matter to our attention.Initial Complaint
Date:06/05/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I paid off my credit card in full days later they reduced my available credit limit by $5800 I never missed a payment or was ever late once. I'm shocked to be treated so poorly by a credit card company that took away 90% of my credit line after paying them in full due to my fico credit score which is over 800Business Response
Date: 06/17/2025
June 17, 2025
As you requested, we addressed this matter directly with ******* **** on June 17, 2025, by way of letter. The customer should
receive the letter in the next 7-10 business days. However, in the interest of
protecting our customer’s confidentiality, we are unable to provide you with
the details of our letter. If you would like further details, please contact ******* **** directly. Please let us know if you have any questions regarding
the resolution of our inquiry and thank you for taking the time to bring this
matter to our attention.Initial Complaint
Date:06/01/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I lost my Scheels card awhile ago, and called to to get it replaced but the bank refuses to send me a card. They also fully locked me out of my account to where I can’t make payments towards my credit card and haven’t sent anything in the mail as to why they locked me out of my account with no missing payments. Since I’ve been locked out I’ve missed payments and they refuse to help me, I took a 23 point hit on my credit because of them a couple days ago.Business Response
Date: 06/10/2025
June 10, 2025
As you requested, we addressed this matter directly with ****** * ******* on June 10, 2025, by way of letter. The customer should
receive the letter in the next 7-10 business days. However, in the interest of
protecting our customer’s confidentiality, we are unable to provide you with
the details of our letter. If you would like further details, please contact ****** * ******* directly. Please let us know if you have any questions
regarding the resolution of our inquiry and thank you for taking the time to
bring this matter to our attention.Initial Complaint
Date:05/30/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
FNBO issued me a credit card for gasoline purchases at a BP station. This card was unsolicited and I never used it because I wanted to use my visa debit card from Chase instead. I received a notice from FNBO some days later to destroy the cards that they issued me for some fraudulent use on it. So I did and thought nothing of it. Then I received a bill for 218 dollars charged to the cards that I already destroyed. I refused to pay this as I have never used the card to purchase anything. I had a credit rating of 833 before all these and I don’t really care if this ruins it for refusing to pay this fraudulent charge. I hope somebody can take a look into this matter and try to resolve it. Thank you.Business Response
Date: 06/17/2025
June 17, 2025
As you requested, we addressed this matter directly with ***** ******** on June 17, 2025 by way of letter. The customer should
receive the letter in the next 7-10 business days. However, in the interest of
protecting our customer’s confidentiality, we are unable to provide you with
the details of our letter. If you would like further details, please contact ***** ******** directly. Please let us know if you have any questions
regarding the resolution of our inquiry and thank you for taking the time to
bring this matter to our attention.Initial Complaint
Date:05/29/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I’ve been receiving fraudulent charges on my credit card each month for 5 months now. I called and let the company know about the fraud and requested help. I’m being charged $14 a month and I only received an account credit of 1.50 when the fraudulent charges equal over $65. I closed me account and opened a new one and the fraudulent charges are already on the new account. I just want to pay this card off so I can close it and now they’ve trapped me into some kind of fraud situation I can’t get out of. Worst card ever.Business Response
Date: 06/10/2025
June 10, 2025
As you requested, we addressed this matter directly with ******** * ****** on June 10, 2025, by way of letter. The customer should
receive the letter in the next 7-10 business days. However, in the interest of
protecting our customer’s confidentiality, we are unable to provide you with
the details of our letter. If you would like further details, please contact ******** * ****** directly. Please let us know if you have any questions
regarding the resolution of our inquiry and thank you for taking the time to
bring this matter to our attention.Customer Answer
Date: 06/11/2025
Complaint: ********
I am rejecting this response because:Nothing was offered to rectify the situation. The letter I received was vague and lacked any information regarding a refund. The company has done nothing to correct the issue.
Sincerely,
******** ******Initial Complaint
Date:05/22/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have two credit card accounts with FNBO one ending **** other one ***** I payment was made on 05/16/2025 in the amount of $1157.22 The amount paid was an overpayment of $289.35 I went to a local branch in Lake In The Hills,IL I asked to speak with a representative and was told I had to call customer service. I called customer service which of course is out of the country and the agent could not understand me finally I tried to say all I wanted was to take the overpayment and apply to my other account she said that could not be done but they would send me a check. I placed an online review and the response was the same one as given to the other sixteen reviews that I read.
"If you have any other questions or concerns, please do not hesitate to call us at 888-530-3626, or submit a secure message from our website. We will be happy to help." as of this morning my account shows a credit balance and no response other then the boilerplateBusiness Response
Date: 06/05/2025
June 5, 2025
As you requested, we addressed this matter directly with ***** ********
on June
5, 2025, by way of letter. The customer should receive the letter in
the next 7-10 business days. However, in the interest of protecting our
customer’s confidentiality, we are unable to provide you with the details of
our letter. If you would like further details, please contact Gregg
Eppstein directly. Please let us know if you have any questions
regarding the resolution of our inquiry and thank you for taking the time to
bring this matter to our attention.Customer Answer
Date: 06/05/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***** *******Initial Complaint
Date:05/21/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
First National accused me of being a scam artist. They have held $32,000 hostage and will not give me my money. They have said it is mailed, it has not been mailed. I just want my money and to be done with them for good.Business Response
Date: 06/03/2025
June 3, 2025
As you requested, we
addressed this matter directly with ******* ******* **. on June 3, 2025 by way of letter. The customer should
receive the letter in the next 7-10 business days. However, in the interest of
protecting our customer’s confidentiality, we are unable to provide you with
the details of our letter. If you would like further details, please contact ******* ******* **. directly. Please let us know if you have any
questions regarding the resolution of our inquiry and thank you for taking the
time to bring this matter to our attention.Initial Complaint
Date:05/03/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Since the transition from AmeriFirst to Slice by FNBO, we have noticed several issues that appear to be shared by other customers. For example, a similar complaint was filed with the Better Business Bureau on March 19, 2025, and additional concerns are listed on the CFPB website. These problems seem to have arisen following the rebranding.
We had established an automatic payment arrangement for $805.76 per month. At the time of the transition, we were assured that no action was required on our part and that autopay would continue without interruption. We trusted this process would be handled smoothly and responsibly.
However, we have since discovered that our payments for October and November were not processed. This contradicts the assurances given regarding the continuity of autopay. In December, only $223.04 was withdrawn. We were later informed that this was due to two extra principal payments we had made—$1,500 on April 29, 2024, and $694.24 on May 24, 2024. These payments were intended to reduce our loan principal and were correctly applied by AmeriFirst before the transition.
Slice by FNBO has stated, "The loan was set up as paid ahead with the next payment due on 12/1/2024." However, what is most troubling is that, since the transition, all of our monthly payments have been applied entirely to interest, with no reduction in principal. This is unacceptable. It directly contradicts the intent behind our extra payments and deviates from the prior handling of our account. Moreover, it is illogical and unfair for the extra payments to be applied months later, effectively voiding their intended impact.Business Response
Date: 05/20/2025
May 20, 2025
As you requested, we addressed this matter directly with ***** ******** on May 20, 2025, by way of letter. The customer should
receive the letter in the next 7-10 business days. However, in the interest of
protecting our customer’s confidentiality, we are unable to provide you with
the details of our letter. If you would like further details, please contact Jorge Ocegueda
directly. Please let us know if you have any questions regarding the resolution
of our inquiry and thank you for taking the time to bring this matter to our
attention.
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