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
- 394 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:03/12/2024
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 had FNBO ****** ***** card since 2018 and it provided $100 travel credit each year. I purchased a pet ticket through ****** ******** on 4/24/2022 and FNBO representative would manually apply the credit to this transaction. However, they failed to do so and sent my debt to the collection agency. I do not understand why I should be responsible for FNBO representative's mistake and now I have ~$426.26 debt due to this.
Business Response
Date: 03/21/2024
March 21, 2024
As you requested, we
addressed this matter directly with ********* **** on March 21, 2024 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: 03/22/2024
Complaint: ********
I am rejecting this response because: I would like the bank to contact me directly via phone ************ ** ***** ********************* to address this issue. I have been working with their representatives multiple times and receive no updates.
Sincerely,
********* ****Initial Complaint
Date:02/26/2024
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 have request an investigation of FNBO on my credit report. the charge-off of obligation with FNBO is incorrect the following is the identifying information of the error, { ******* ******* ***** **** ** ********* ********* *** *** ****}. The creditor misreported my account. 15 U.S. Code 1692e- False or misleading representations
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of the any debt. Without limiting the general application of the foregoing, the following conduct is violation of this section.
If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or cannot be verified, the consumer reporting agency shall-
(i) Promptly delete that item of information from the consumer or modify that item of information as appropriate based on result of the reinvestigationBusiness Response
Date: 03/19/2024
March 19, 2024
As you requested, we addressed this matter directly with Ricardo
Desravines on March 19, 2024 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 Ricardo Desravines 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: 03/20/2024
********** ********
I am rejecting this response because:
I am writing in response to the formal response from First National Bank of Omaha (FNBO) regarding complaint ID *********
I reject the business' response and would like to provide an explanation. I request an investigation of FNBO regarding the charge-off of the obligation on my credit report, as it is incorrect. The identifying information of the error is as follows: Account number ***** Date of incorrect reporting Feb 22, 2024. The creditor misreported my account, which is a violation of the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692e regarding false or misleading representations.
I also want to express that I am opting out of third-party sharing of personal information and transaction history to the public. I request that my account be deleted immediately to protect my rights under consumer protection laws.
Please let me know the next steps in resolving this matter.
**********
******* **********
*** ** **** ** **** ******
****** ** *****Business Response
Date: 03/26/2024
March 26, 2024
As you requested, we addressed this matter directly with Ricardo
Desravines on March 26, 2024 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 Ricardo Desravines 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:02/13/2024
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.
Used the Scheels Visa issued by this bank to purchase a $10 lottery ticket and was charged a $15 fee on 2/6/2024Business Response
Date: 02/20/2024
February 20, 2024
As you requested, we
addressed this matter directly with ****** ****** on February 20, 2024 by way of letter. The customer should
receive the letter in the next 7-10 business days. However, in the interest of
protecting our customer’s confidentiality, we are unable to provide you with
the details of our letter. If you would like further details, please contact ****** ****** directly. Please let us know if you have any
questions regarding the resolution of our inquiry and thank you for taking the
time to bring this matter to our attention.Initial Complaint
Date:02/09/2024
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
08/16/2023 I made a deposit of 1000$ into my account at ****** My bank denied that deposit but ***** bank credited my account that money, I then contacted my bank to let my deposit go through and they did. I then contacted ***** support team to inform them of the mistake in my account since it was credited 1,000$ that never went through. Since then they have corrected my balance on January 4th, 2024 but still have my account restricted as to where I cannot with draw funds. They have had limited communication and zero transparency with me during this 9 month ongoing restriction on my account. I've since made another deposit for 50$ on Jan 18, 2024 to see if that would lift the restrictions to no avail. I've contacted ***** Bank through their app and through email with no clear response or without any answers as to when it would be resolved or if I can do anything to help the process. They say its under review by a 3rd party and that said 3rd party would be in contact to properly verify my account and transaction but this has yet to happen. Lastly ***** bank said if the issue was not resolved in 90days the account would be closed it has ben 9months and this issue has not ben resolved or my account closed with my funds returned.Business Response
Date: 02/27/2024
February 27, 2024
As you requested, we addressed this matter directly with ******* ******* on February 27, 2024 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: 02/27/2024
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:01/25/2024
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.
01/02/2024 I received a bill from FNBO and it had interest added to a bill already paid off. I called and they could not give a viable explanation of why I was billed the interest. I decided to pay off the card in full and never use the card again. In a few days I checked my account online and it was a $0 balance. I never made another purchase but on 01/22/2024 they billed me $1.75. I called to ask why, and was told they were billing me for lagging interest that had not occurred yet because I had paid the bill in advance. When I called they immediately reimbursed the interest. They were hoping to collect without any questions. I reviewed previous bills and have concluded this is their method of operation. They slip small amounts of interest onto the bills even though it has already been paid off before interest is due and customers pay the illegal interest payments without noticing, Especially if they pay online without having a paper bill to look at. They assured me that the $1.75 would be taken off my account. I told them to close my account because I believed them to be a dishonest company. There is no way to recover previous illegal charges because they were unnoticed at the time of occurrence.Business Response
Date: 02/01/2024
February 1, 2024
As you requested, we
addressed this matter directly with ***** ******* on February 1, 2024, 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: 02/07/2024
Complaint: ********
I am rejecting this response because: What the response amounts to is crooked bookkeeping. I have always paid my bills at the first of the month in full based on what the balance showing on my online account. This method works with all of the other accounts I have but not with FNBO. If you look at my account, you will see that all balances were always paid in full in 30 days or less. This leads me to believe it is simply crooked bookkeeping.
Sincerely,
***** *******Initial Complaint
Date:01/23/2024
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 had a loan with FNBO. The online account never indicated when payments were received after I had submitted several payments. I opted to pay the account off earlier for fears that payment history would not be reflect properly. I paid the balance off after contact the balance to obtain the payoff amount. The payoff balance was electronically transferred on 12/13/23 of $16,497.34, after a payment was posted on 12/12/23 of 642.91. I logged onto FNBO to view the December statement of 12/12/2023 showing no balance was owed and that there was an over payment of $642.91. I waited hoping that the back would refund the overpayment but this did not happen. I contacted FNBO on 1/9/24 to request a refund and was advised that this will be processed. I logged onto FNBO today and found that the refund has not yet been processed. I contacted FNBO today (1/22/24) to inquire about the refund and was told that it could take 7 days for processing plus mailing time. Why was the refund not generated upon the deposit paying the account off and why did it require me to contact FNBO to request this refund. I am seeking the refund of the balance owed plus interest of this payment from payoff date until the overpayment has been refunded.Customer Answer
Date: 02/06/2024
In reference to the complaint above. The financial institution has refunded me for the overpayment.Thank you,******* ****Business Response
Date: 02/06/2024
February 6, 2024
As you requested, we
addressed this matter directly with ******* **** on February 6, 2024 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:01/22/2024
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.
see attached
my card was hacked and they told me they cancelled it.Business Response
Date: 01/30/2024
January 30, 2024
As you requested, we
addressed this matter directly with Karen Feterl on January 30, 2024, 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: 02/04/2024
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:01/05/2024
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.
my card and points with AmtrakBusiness Response
Date: 01/18/2024
January 18, 2024
As you requested, we
addressed this matter directly with **** ********* on January 18, 2024 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.Business Response
Date: 02/20/2024
February 20, 2024
As you requested, we
addressed this matter directly with **** ********* on February 20, 2024 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:01/03/2024
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 had late fee charged 2 times to my Visa account ending in 9843 issued by First National Bank of Omaha (FNBO) in November, December, and January. The due dates where 11/22/23 and 12/22/23. Each time, I paid the bill through my First Mid Bank & Trust web site using the 'Bill Pay' feature and set the bill to be paid on above dates. In both cases FNBO got the payments late and charged me late fees.
Calling FNBO's customer service got me to a representative whose only suggestion was contacting my bank. No other option to refund the late fees.
Going into my local First Mid Bank got me a representative who could only tell me my payments were sent by mail early enough to get to FNBO by the due date.
Payment for 11/22/23 was $43.89. Payment for 12/22/23 was $61.69.
The late fees were $29 on the 11/22/23 payment and $40 on the 12/22/23 payment.
I don't understand how this is my fault and neither bank will refund me the late fees.
I believe FNBO is being unreasonable. I have provided contact info for both banks below. Thanks.
The contact info for FNBO is 888-397-1520 / card.fnbo.com/bp.
The contact info for First Mid Bank is 877-888-5629 / www.firstmid.com.Business Response
Date: 01/11/2024
January 11, 2024
As you requested, we
addressed this matter directly with Warren Snider on January 11, 2024, 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: 01/18/2024
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. Thank you for the detailed letter.
Sincerely,
****** ******Initial Complaint
Date:12/29/2023
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'm not reliable for this debt with FNB of Omaha. I don't have a contract with FNB of Omaha. They did not provide me with original contract that was requested.Customer Answer
Date: 01/10/2024
I have not heard from this company?
Best Regards
Business Response
Date: 01/11/2024
January 11, 2024
As you requested, we
addressed this matter directly with ******** ******* on January 11, 2024, 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.
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