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:12/20/2023
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.
Dear Sir/Madam,
I am writing to file a complaint against the issuer of the ****** ***** ******** *********** for misleading advertising and failure to honor a promotional bonus offer. I applied for this card influenced by an offer stating, "Earn 20,000 bonus points after spending $1,000 within the first three billing cycles." (https://***************************************************) After fulfilling this condition and spending $1,070, I was denied the bonus points. The issuer excluded the $99 annual fee from the qualifying spend, a detail not disclosed in the advertisement or the card agreement. This omission, I believe, constitutes deceptive advertising, leading consumers to make decisions based on incomplete information.
My attempts to contact them and resolve this with the issuer have been unsuccessful. Thank you for your attention to this matter.
Business Response
Date: 12/28/2023
December 28, 2023
As you requested, we
addressed this matter directly with ***** ***** on December 28, 2023 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: 01/04/2024
January 4, 2024
As you requested, we
addressed this matter directly with ***** ***** on January 4, 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: 01/07/2024
Complaint: ********
I am rejecting this response because: my "valid expenses" exceed 97%, and if their misleading ad had not been a factor, I would have certainly spent an additional $30 to meet the requirements for their $200 bonus. They ought to, at the very least, grant me 97% of the $200 bonus, even if they don't consider the $99 membership fee is my "spending".
***** *****Initial Complaint
Date:12/19/2023
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 applied for a personal loan from FNB of Omaha for $30,000 In October, I was told that my first payment would not be due until December 22, 2023. So apparently interest was added to my loan in November and has been reported to the credit beau that I now owe $30,393 on my loan and I have even made the first payment yet. I called and explained that it is not fair for FNB of Omaha to start my loan off in the RED! I wanted to know why didn't they tell me to start my payments in November if they knew they would immediately start adding interest to my loan. I was not given an answer, I was told that I could just pay more money to catch up. I am asking that the interest that was added to my loan be removed, I am asking that I do not have to start this process out in the red. I need to start with a fair chance of paying my loan off and staying current.Business Response
Date: 12/19/2023
Please provide customer's mailing address so that we can appropriately respond to complaint and identify said customer. thank you!Customer Answer
Date: 12/28/2023
Complaint: ********
I am rejecting this response because: the business response does not offer a resolution. I am not sure what the letter states that is being sent to me, being that it will not reach me until 7-10 days later, in that case this complaint might be closed. All I am asking is that First national bank of Omaha allows me a fair chance to start paying this loan back with a positive start. The additional $393 that was added to the loan in November was unfair, because monthly payments had not yet started on the loan.
Sincerely,
****** ******Business Response
Date: 01/04/2024
January 4, 2024
As you requested, we
addressed this matter directly with Tricia Battle on January 4, 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:12/19/2023
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.
Three or four months ago, I was contacted by FNBO regarding a late payment. I thought this was odd, since my BP Rewards Visa with them had expired at least four years ago and we threw away the new cards they sent and never renewed them. I called twice and spoke with two different representatives.
When we used this card, there were three names on the account. Myself, my wife and my son. My son used this card when he was in college and then briefly after. I asked questions about how many years it had been since this card had been used. The representative could not tell me. She said FNBO had just purchased these accounts and she didn't have that information.
Upon review, the rep said the card had been renewed recently after being sent to my son's old address in Shorewood, WI. My son had not lived at that address for at least two years.
Upon my second call to FNBO, they acknowledged that the charge of about $40 was indeed fraudulent and they would be removing the charge. I also cancelled the card permanently at that point. It has now been several months, and I am still getting a billing statement from ** **** *******. They removed all the late charges, but not the balance which now shows $43.53.
In the meantime, this has been reported to various credit bureaus and damaged my credit rating. My credit rating has gone from over 800 to below 700. It keeps showing up as an unpaid bill. I was told this would be taken care of, but "it would take a while". That was a couple of months ago. Are there any legal remedies I can pursue in this situation?
Thank you.
***** ****** *** ** ******* Portage, WIBusiness Response
Date: 01/02/2024
January 02, 2024
As you requested, we
addressed this matter directly with ****** ****** on January 02, 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: 01/08/2024
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:12/18/2023
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.
A brief summery is: My wife and I are BP cardholders since 1973. We have never lost our cards and never given our cards to friends or family for use. Normally I automatically pay my bill with a direct payment from our banking account. Mistakenly I have missed seeing the extra charges that I did not place. Late this summer because of health situations we drove less than normal so I was surprised that my bill will still at the higher level. I looked over the statement and noted that there were several charges from North and South Carolina. My wife and I have not been to North or South Carolina at any time during this period. I called the fraud department at FNBO Bank in Omaha. They are the bank that handles the BP account. The fraud department representative took down my information and reviewed my past history and found that there were 92 charges from May 2022 - Aug 2023. We then canceled the card with fraudulent charges. FNBO issued new cards and since receiving the new cards there have been no fraudulent charges. Attached is a detailed letter that addresses the entire situation that we are faced with and supporting documents are included.Business Response
Date: 12/22/2023
December 22, 2023
As you requested, we
addressed this matter directly with ******* ****** on December 22, 2023 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:11/30/2023
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.
Account Name: FNB OMAHA Amount $2623 Date Opened:4/1/2019 Acct# ***************
Please DELETE the fraud Account from my credit Report does not relate to any transactions that I have made.
The credit bureaus keep disrespecting the law . I have showed them multiple times how they are violating the FAIR CREDIT REPORTING ACT .
According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately.
According to 15 USC 1681b(1) the credit bureaus don’t have no written permission
According to 15 USC 1681 have the right to privacy
According to 15 USC 168s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate .
(B) Reporting information after notice and confirmation of errors
According to 15 USC 1681 I have the right to privacy
According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
(B) Reporting Information after notice and confirmation of errors
A person shall not furnish information relating to a consumer to any consumer reporting agency
(i) The person has been notified by the consumer, at the address specified by the person for such
Notices, that specifies information inaccurate, and
(ii) the information is, in, fact, inaccurate.
The credit bureaus have no respect for the laws.
Someone needs to hold them accountable for this.Business Response
Date: 12/14/2023
December 14, 2023
As you requested, we
addressed this matter directly with ******** ******** on December 14, 2023 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: 12/22/2023
Complaint: ********
I am rejecting this response because:Acct Name:FNB OMAHA Amount:$2623 Date Opened:4/1/2019 Acct# *************** Please DELETE the fraud Account from my credit Report does not relate to any transactions that I have made. The credit bureaus keep disrespecting the law . I have showed them multiple times how they are violating the FAIR CREDIT REPORTING ACT . According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus don’t have no written permission According to 15 USC 1681 have the right to privacy According to 15 USC 168s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this.
Sincerely,
******** ********Business Response
Date: 12/28/2023
December 28, 2023
As you requested, we
addressed this matter directly with ******** ******** on December 28, 2023 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:11/27/2023
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 liable for this debt with FNB Omaha! I do not have a contract with the collection agency trying to collect and reporting this inaccurate information! They did not provide me with the original contact as requested.Business Response
Date: 12/12/2023
December 12, 2023
As you requested, we
addressed this matter directly with ***** **** on December 12, 2023 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:11/14/2023
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 opened a bank account with ***** **** and they flagged my account for no reason and they're holding my money its been almost a month and I can't talk to anyone at all. Ruined my daughter's birthday party that money was for her partyBusiness Response
Date: 11/29/2023
November 29, 2023
As you requested, we
addressed this matter directly with ****** ******* on November 29, 2023 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: 12/04/2023
Complaint: ********
I am rejecting this response because:
Sincerely,
There is no response from company
****** *******Business Response
Date: 12/04/2023
A letter was sent to the customer via mail on November 29, 2023 to **** ****** ** ********** ** *****. As previously stated, please allow 7-10 business days for receipt of the response. Please let us know if the customer has not received our written response by December 14, 2023. Thank you!Initial Complaint
Date:11/07/2023
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 am requesting a debt settlement action due to financial hardship but the bank customer service agents refuse to acknowledge the matter. I have been contacting the back for the past two months from Late September to most recently November 06 seeking a resolution in good faith rather than default on the repayment responsibility of the acquired loan. FNBO has not made any effort to assist in the resolution of the problem.Business Response
Date: 11/07/2023
Please provide the consumer's mailing address so that we can appropriately locate them in our database and respond to their complaint. Thank you!
****** ********
Customer Answer
Date: 11/21/2023
I have originated various communications with the FNBO seeking assistance due to financial hardship. I began communications in the month of September seeking a temporary solution to the problem. In great contrast with other institutions that I have contacted for assistance, FNBO has created a negative endless loop of perceived assistance but not really addressing the issue. I am well aware of the responsibility of repaying the loan, which I intend to do. Considering that I have been a good client making payments on time until recently due to financial hardship. FNBO continues and insists on responding negatively with a simple "there is nothing we can do". Unfortunately due to this process, I have become aware of the predatory practices others have experienced with FNBO. I never thought I would have the same experience believing that FNBO was a reasonable institution based on its affiliation with AFT, which is how I became aware of the bank. FNBO insists on changing the meaning of my request interpreting it as an attempt to change the terms of the loan, this is a grossly misconstrued statement by the bank which continues to push the false narrative rather than understanding that I am seeking assistance and guidance to manage the situation without having to default on the payments. FNBO claims they are unable to assist. A generic letter from ****** ** Office of the President, was received on 11/16/2023 encouraging me to reach out to ************** the same contact number I have been calling since September in addition to also contacting the bank via secured email which I have also done. All the actions I have sought out for the past 3 months have been unsuccessful and led nowhere in terms of reaching a solution. The only "solution" (non-solution) offered was to pay the loan monthly payment or make a larger payment. I am making personal arrangements to manage financial hardship but without true assistance from the FNBO, the problem will persist.Business Response
Date: 11/28/2023
November 28, 2023
As you requested, we
addressed this matter directly with ******* ******* on November 28, 2023 by way of letter. Please be advised that
as no mailing address was provided with the complaint received, we mailed our
response to the customer’s last known mailing address of record: **** * ********* *** Chicago, IL 60659. 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:10/09/2023
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.
My name is ****** *********** I'm writing on behalf of my Mother, ******** **********, regarding her credit card debt. She currently owes more than $20,000. She is 79 years old. She receives social security monthly and a menial pension payment from my deceased father's former employer. Her usual payment is a little over $500 a month. The company was kind enough to lower the rate/payment last year for 1 year and that will expire within the next month. There is no way possible she can afford over $500 a month. Her monthly bills and groceries eat up almost all of her social security. She and I discussed this and there is no way she will pay this off in her lifetime. The house was transferred solely into my name 2 years ago. She has nothing of value that can be taken. She can afford to pay around $175 a month otherwise she will have no choice but to just not pay more than that amount a month or file bankruptcy, in which case FNBO will never be paid. I've already contacted a bankruptcy attorney for a consult. I don't mean to sound harsh or condescending but I am just stating the facts. She is not concerned about her credit being ruined through bankruptcy as her credit is already poor and she is 79 years old. She has rarely ever missed a payment for over 20 years. My dad died 2 years ago and she lost his social security. It would be most appreciated if the payment were lowered again and around $175 a month. She wants to pay something, which shows good faith; however, once the payment goes up next month to over $500 then she will file bankruptcy and the debt will eventually be discharged through bankruptcy. Some payment is better than no payment. Hopefully FNBO will do the right thing and lower the payment to around $175 a month. They were kind enough to lower the payment for one year as of last year, which was greatly appreciated and very helpful and I hope they will do so again or bankruptcy will be her only option. Sincerely, ****** **********Business Response
Date: 10/10/2023
Please provide customer's mailing address as this was not provided in the complaint. ThankS!
****** ********
Customer Answer
Date: 10/22/2023
It usually doesn’t take this long. I wonder why they aren’t responding l.Business Response
Date: 10/24/2023
October 24, 2023
As you requested, we
addressed this matter directly with ***** ********** on October 24, 2023 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:10/06/2023
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 used their rewards program to book a rental car in July. I had to make a slight change in the reservation, but there was no way to accurately make that change, so I cancelled the reservation. FNBO has not reimbursed the points used. I have called multiple times. There seems be some issue with FMBO working with their travel agents. I have been told the points have been refunded, but they are still not available to me. I have filled out their 'contact us' several times as well. The points that need to be reimbursed is 10,949, which amounts to a little more than $100.Customer Answer
Date: 10/18/2023
Hello,Just wanted to let you know the company has responded and we have been able to reach a resolution. You can consider this complaint closed.Thank you!Judith Hayes
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