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 Find Local Branches.

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  First National Bank of Omaha (FNBO)

  1620 Dodge St Omaha, NE 68102-1593

  
• 

  First National Bank of Omaha (FNBO)

  11404 W Dodge Rd Omaha, NE 68154-2511

  
• 

  First National Bank of Omaha (FNBO)

  16770 W Maple Rd Omaha, NE 68116-2105

  
• 

  First National Bank of Omaha (FNBO)

  3815 Denmark Dr Council Bluffs, IA 51501-7743

  
• 

  First National Bank of Omaha (FNBO)

  315 W 3rd St Chadron, NE 69337-2317

  

The 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:09/28/2023

  Type:Billing Issues
  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.

  We were guaranteed 40,000 reward points when opening a new credit card account after meeting requirements. We fulfilled our those requirements within the specified timeframe. However, we were only given 20,000 points upon completion. We are in possession of the original contract showing a reward of 40,000 points.

  

  Business Response

  Date: 10/13/2023

  October 13, 2023
  As you requested, we
  addressed this matter directly with ****** **** on October 13, 2032 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:09/19/2023

  Type:Billing Issues
  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 a credit limit of $4500 and as soon as I paid them $3000 to improve my Credit FICO score, they decrease decreased my availability credit to $1500 and now I am almost maxed out on credit with them. They are very unfair and illegally punish you for paying down a credit card. I've never been delinquent with them and my credit has improved in the last year and they have never done this until I drastically paid down my debt. Please investigate them!

  

  Business Response

  Date: 10/03/2023

  October 3, 2023
  As you requested, we addressed this matter directly with Maribel
  Alfaro on October 3, 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 Maribel
  Alfaro 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:09/18/2023

  Type:Billing Issues
  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.

  To Whom it may concern,
  
  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
  
  FNB OMAHA ACCT ** ********BAL. $1,588.00
  
  Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business Response

  Date: 10/03/2023

  October 3, 2023
  As you requested, we addressed this matter directly with Gwendolyn
  Williams on October 3, 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 Gwendolyn
  Williams 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:09/18/2023

  Type:Billing Issues
  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 Date Opened:3/1/2022 Accoun* * ***********
  Please remove 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 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: 10/03/2023

  October 3, 2023
  As you requested, we addressed this matter directly with Alexei
  Semionov on October 3, 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 Alexei
  Semionov 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:09/14/2023

  Type:Billing Issues
  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 do not have a contract with FNBO this is a fraudulent account. PLEASE DELETE
  
  name:
  FNB OMAHA
  Account number: ***************
  Date opened Oct 01, 2022

  

  Business Response

  Date: 09/29/2023

  September 29, 2023
  As you requested, we
  addressed this matter directly with ****** ******* on September 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.

• Initial Complaint

  Date:09/12/2023

  Type:Billing Issues
  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.

  received my Sheetz FNBO Credit Card Statement on August 14th 2023 for purchases July 10th through August 7th. This Statement carried a late fee of $29.00. The problem is that I never received a statement for June purchases in the amount of $367.00. I suspect that the Sheetz accounts were put on hold while they changed their billing format/ look and got behind. The Same thing happened to me with another bank, they changed their billing look and statements did not go out.
  
  At this time, I am requesting the June Statement be sent to me, so that I can confirm transactions for June and that the Late Fee be removed.
  
  I have been a loyal Sheetz credit Card Holder since 2017and I have paid every monthly statement in full before the due date until this time when a statement was not sent to me. I would hate to leave the Sheetz Family, but I will if we do not find common ground.

  

  Business Response

  Date: 09/26/2023

  September 26, 2023
  As you requested, we
  addressed this matter directly with ****** ***** on September 26, 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:09/01/2023

  Type:Billing Issues
  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.

  8/31/23: 529 plan said recurring contribution failed. I logged into FNBO ***** app: found on/after 8/25/23 "Restricted" my account. Distressed, I needed to act quickly to cancel all recurring debits without notice & must use an aide to do it. It seems Restricted meant all rejected would also cause fees with each financial institution. I'm retired, I budget & move money so I can plan expenses, but after having sold my house last month I'd informed ***** in advance & ******* said they didn't accept wire transfers, but that I could receive at another bank & use ACH to ***** with higher limit. I then contacted ***** 8/17/23 at 3:36 PM when the new account I opened at ***** to receive money for my ***** mortgage was flagged due to city name not matching (Ballwin is post office, but Manchester is correct) & submitted to fix the system error. I received no reply from *****, but attached transcript with ***** including disability information that somehow led to my account being restricted 1 week later. Until 8/25/23 it seemed OK other than for a savings transfer error. ***** only has access to services via app which I use with a RBD so information to me may be less than other users. When I opened chat 8/31 concerned, I was messaged I was in fraud review, which was even more concerning as it was showing prior for my balances correctly. I'd til then thought "Restricted" was a tech issue. Then ****** this was from restriction. Even more concerned then recurring debits from savings would all need cancellation, ****** couldn't say more except I'd be emailed (hasn't happened) with on other way to contact. I asked if bank name mismatch as ***** ****** **** ** ******* was showing instead of *****, for Effective Communication and for another level of contact or time estimate. Hours later ***** said my account would be closed within 30 days! I'd been through wide financial review with recent real estate transactions, so undetected fraud seems unlikely. I have fees resulting even now.

  

  Business Response

  Date: 09/15/2023

  September 15, 2023
  As you requested, we
  addressed this matter directly with ****** ******** on September 
  15, 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: 09/22/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  1. ***** has failed to provide any response on or excuse as to ***** conduct prior to August 31, 2023 and selectively ignore the information communicated in the entirety of the ***** chats already provided.
  
  2. ***** failed and acknowledges said failure to provide any timely notice for account restriction or even within a reasonable time period after restriction, resulting in fees accumulating in the amount of $100 from improperly rejected recurring debits.
  
  3. ***** has failed in accordance with federal law to provide notice as to the external consumer source of information used to inform *****'s decision as to the source that disclosed information resulting in a decision to restrict the account.
  
  4. ***** has failed to evidence in any way that fraudulent activity was associated with my account or my identity resulting in any need for them to restrict my account.
  
  5. ***** took actions against my account after receiving sensitive information regarding my medical status that was protected by federal law prior to August 31, 2023 and has not in any way responded to this.
  
  6. ***** has claimed without basis that my account will be closed after receiving the information from item 5 above.
  
  7. ***** has failed as evidenced by the attached including transcript and email reference to provide a means of telephone contact while still continuing to direct consumers to use the false telephone contact information.
  
  8. ***** has not responded to any emails sent to the support email address provided by *****. The only **** representative to respond has been ***** who has not been able to disclose any requested information besides the letter at this time.
  
  9. ***** has alleged the account would be closed within a specified time period and has exceeded the time period specified with no revision provided as to when this closing would occur.
  
  10. ***** has alleged funds will be returned to the sources while failing to acknowledge that the US Treasury cannot and will not take funds back distributed lawfully by them as there is no source account to return the funds to in any case.
  
  
  I request an immediate response as it has been more than 72 hours since my last communication to ***** with no substantive response. The disposition of the account and funds must be addressed, the fees incurred as a result of ***** breach of contract must be reimbursed and the allegations of fraudulent activity must be supported with an external source of contact in accordance with federal law. All future communications must comply with the Americans with Disabilities Act and constitute Effective Communication in the form of electronic text-based file formats on CD or USB such as DOCX, DOC or RTF and/or e-mail or secure message through ***** or an organization with whom a complaint has been filed against *****.
  
  Thank you for your time and consideration.
  
  
  Sincerely,
  
  
  
  ****** ********

  

  Business Response

  Date: 10/06/2023

  October 6, 2023
  As you requested, we
  addressed this matter directly with ****** ******** on October 6, 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:08/10/2023

  Type:Billing Issues
  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 not liable for this debt with FNB OMAHA. I do not have a contract with the collection agency reporting this inaccurate information to my credit report. They did not provide me with the original contract which was requested.

  

  Business Response

  Date: 08/24/2023

  August 24, 2023
  As you requested, we
  addressed this matter directly with Anthony Jackson on August 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.
  

  Customer Answer

  Date: 09/05/2023

  Pursuant to 18USC 8, I owe no debt. This company is violating my rights to privacy pursuant to 15USC 1681b2. I do not have a contract with the collection agency reporting my credit information.This company has no permission to report Anything using my information pursuant to 15USC 1681 4.

  

  Business Response

  Date: 09/14/2023

  September 14, 2023
  As you requested, we
  addressed this matter directly with ******* ******* on September 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.
  

• Initial Complaint

  Date:06/28/2023

  Type:Billing Issues
  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 had a ** credit card for about 5 years and seldom used it. I received a letter from **** suggesting I use it more, so I used it when I went on vacation with the intent to pay in full when billed. They sent ********  an alert saying I went $200.00 over the limit and I spoke to them telling them my wife payed the bill in full the day after we received it, they refused to remove it. After that many years with zero issues and them prodding me to use the card they should not have reported it to the credit agency.

  

  Business Response

  Date: 07/13/2023

  July 13, 2023
  As you requested, we
  addressed this matter directly with ******* ****** on July 13, 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:06/28/2023

  Type:Service or Repair Issues
  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.

  RE: Branded Credit Card Account. Card Ending ****
  Received Promo via email offering $50.00 credit if if $500.00 spent. Advised to click on activate in email to activate promo. Email link is invalid. Contacted customer service several times. "We are aware of the problem and will manually add this promo to your account". Promo never gets added. Repeated phone calls to customer service and advised, "You must accept and activate promo using the email link." Issue never resolved. Attempted to log into account to perhaps activate that way but no information available when logged into FNBO online.
  
  Please stop ignoring my requests and follow up on this matter.. REPEAT .. The link in the email is INVALID. As a result I cannot activate or accept this offer unless it is added manually.

  

  Business Response

  Date: 07/11/2023

  July 11, 2023

  
  As you requested, we
  addressed this matter directly with ******* *********** on July 11, 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.