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:04/04/2023

  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.

  First Bankcard Cardmember Services
  ** ** *** **** ****** ** ***** 
  Re: Complaint of Discrimination – Accounting Ending ****
  
  Dear First Bankcard,
  
  Please allow this letter to serve as my complaint of discrimination against me.
  
  I applied for the bank credit card because the promotional flyers was sent to me to take advantage of the ******* points. The bank ran my credit, and the application was approved, and I got email to be expecting the card in the mail.
  
  But instead, I got a letter from the bank (**** ********) that the account was closed after second review and ELEMENT ASSOCIATED WITH FRAUD. This I don’t understand what fraud we are talking about here, other than to assume that this was a discrimination.
  
  I could care less if the bank gave me credit, but you put a ding on my credit file, approved the card and only to cancel the card for reason I don’t understand.
  
  Please explain to me the fraud that has occurred here. The only thing I can think of is my address. I have two properties and use both addresses.
  
  Home address:
  Musiliu *****
  **** ********* ***,
  ******** ** *****
  
  Mailing Address:
  Musiliu *****
  **** ******** **** **
  ******* ** *****
  
  I feel that I am being discriminated based on my race until someone proves me otherwise.
  
  Since the card was canceled, and there is a credit ding on my file, I’m requesting that the inquiry be removed immediately.
  
  Sincerely,
  
  
  
  
  Musiliu *****

  

  Business Response

  Date: 04/18/2023

  April 18, 2023

  
  As you requested, we
  addressed this matter directly with Musiliu ***** on April 18, 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 Musiliu ***** 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: 04/18/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  I have yet to recieve any letter 
  
  
  
  Sincerely,
  
  
  
  Musiliu *****

  

  Business Response

  Date: 04/20/2023

  Please allow 7-10 business days from the date in which the letter was sent, which was April 18, 2023. If the letter has not been received by April 28, 2023, please let us know. Thank you!

  

  Business Response

  Date: 04/20/2023

  April 20, 2023
  As you requested, we
  addressed this matter directly with Musiliu ***** on April 20, 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 Musiliu ***** 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: 04/20/2023

  They sent me the same letter saying element of fraud, what fraud is they need to explain to me.

• Initial Complaint

  Date:04/03/2023

  Type:Billing Issues
  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.

  Your BPme rewards **** is more than just a fuel card. It's the card that earns rewards everywhere.
  
  Earn even more this holiday season when you spend $*** outside of ** and ***** stations with your BPme Rewards ****. Spend $*** between December 15, 2022 - January 15, 2023 and receive a $** statement credit.*
  
  I opted in off my phone. Called to ask the status. Got the run around and then was told I never opted in and I can close my card. I opened this account in ****. I want my statement credit and I will be done with them. I just redeemed $***** in rewards.

  

  Business Response

  Date: 04/18/2023

  April 18, 2023

  
  As you requested, we
  addressed this matter directly with Luanne ********* on April 18, 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 Luanne ********* 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: 04/20/2023

  
  
  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,
  
  
  
  Luanne *********

• Initial Complaint

  Date:04/03/2023

  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 was offered a promotion from *** ******* via their online reward program to apply for their credit card. Due to an issue with my last name I had to apply in person for the credit card. The site CLEARLY STATES…
  
  “However, for a limited time, new cardmembers would receive ****** Bonus Points & Tier Credits after spending $***** in the first 3 billing cycles after account opening”. Nothing about using a specific link to be a NEW CARD MEMBER!
  
  The information I was provided never mentioned anything about using any specific link in order to get the promotion for enrolling in the credit card. Screen shot of the promotion will be attached. The site simply stated new card members and AT *** *******.
  
  When I applied in person I mentioned I only wanted to apply for the credit card if the promotion was going to be applied. I was told if the promotion is on your *** account it will be applied to your *** account after hitting the bonus since that is the promotion we are offering for applying for our credit card.
  
  After the first billing cycle I was saw the promotion wasn’t applied correctly and contacted FNBO for assistance. They have told me I had to click a specific link to have the promotion applied to my credit card. However, as I mentioned that was not an option. This has been a huge bait and switch to get me to sign up for their card only to not receive the correct promotion.
  
  All I want is what was originally offered. **** ** ****** *** ******* **** ******* *** I have asked numerous times for them to adjust the situation but they are reluctant to do what is right saying I didn’t use a link provided to me.
  
  Yet, once again… IT DOES NOT SAY THAT!
  
  Please stop this company from ruining peoples lives. Disgusting.

  

  Business Response

  Date: 04/14/2023

  April 14, 2023
  As you requested, we
  addressed this matter directly with Steven ******* on April 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 Steven ******* 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:03/29/2023

  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.

  Early last year, ** *** replaced their gas cards with revolving credit cards from First National Bank Of Omaha. I found out that I have been paying interest charges at **% if we are one day late, which we are not, or we do not pay the full amount. * **** ***** *** **** *** *********** *** ******* *** ** *** ****** ******* ****** **** **** ** **** *** * *** ******* ***** In one case I paid $***** while I was traveling and not seeing my statement payment of $*******. Yet I was charged $***** in interest on the full $********. Not interest on the missing $*****, but the full $*******! It gets worse. I then asked the customer service rep about the $***** interest charge the month before on a payment made in full and on time for $******. She said that can be waived. I then asked how did that happen in the first place? No answer but the ONLY way for any consumer at NBOO to fix a wrong interest charge is to call in and request a refund. Seriously? Now I have to go back and find out how many more months they illegally charged me when I was not late and paid in full. Isn't this consumer fraud?

  

  Business Response

  Date: 04/13/2023

  April 13, 2023
  As you requested, we
  addressed this matter directly with James ****** on April 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 James ****** 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:03/28/2023

  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 numerous issues with this bank in the short time I have had my ******* **** * ***** ***** Card. First it was the credit limit that without explanation was lowered from about *** to just above my balance of about **. This has had numerous negative affects on my credit.
  Second issue I just recently had was that they charged my account twice for the same payment. My primary bank, *****, noted this as fraud attempt and returned the transaction. I only found out that the charges were from FNBO and when I found the issue I reached out to them on their secure message service from their website and never received a reply. Today I tried to get my account balance current and found that I was charged a fee for the returned payment which was their mistake. When trying to pay my balance I found I am not able to make a payment from the website any longer, I simply get an error that states to try later. When I call I just get put onto hold for hours and then disconnected. It's as if they are intentionally not letting me pay my balance so they could add on more fee to my account. For a resolution I want to understand why they lowered my credit limit as well as to get a refund of the fee they charged for the payment reversal, the ability to make payments again so I can pay off and possibly cancel this line of credit in the near future, all negative items they may have listed on my any of the credit reports as well as an apology ** *** *** ********* **** *** **** *** where they bait and switch the credit line to stack up fees. I am amazed this is legal and that a company can do these type of practices without penalty.

  

  Business Response

  Date: 04/12/2023

  
  April 12, 2023
  As you requested, we
  addressed this matter directly with Timothy ******* on April 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 Timothy ******* 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:03/21/2023

  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 been a victim of identity theft and fraud. I followed all the guidelines and proper procedures to remove all fraudulent accounts and inquires as a result. I have notified credit companies, files a police report for identity theft, and filed a FTC (Federal Trade Commission) Identity theft report. All these supporting documents have been forwarded countless and Multiple times to the credit Bureau EXPERIAN, TRANSUNION, and EQUINOX. ALONG with FNB OMAHA BANK. However countless time and time again they refuse to follow rules, protocols, and the law. They do not remove the negative/ fraudulent account and credit inquires from my credit report. I have always sent certified priority mail to make sure they have received it. It is by LAW by FCRA 605B (15 U.S.C. & 1681 c-2), which states that these accounts must be removed within 4 Business Days of receipt that have been reported and resulted from identity theft and Fraud. FNBO just disregards and ignores my complaint. Why because they are ********* and profit from doing so. It has been over 1 YEAR of this back and forth. The other fraudulent accounts ad inquiries have already removed them along time ago. This bank isn't abiding and hearing me out. They uses excuses or lies to validate their reporting. For instance if the account FNB OMAHA account is removed, the company re-reports it or changes the account to update the account and report it. At this time I am so tired, frustrated, and hopless. I have even warned them about filling a complaint. So I hope BBB will please help me resolve my problem. By compelling this bank to remove the negative account 'FNB OMAHA' in the amount of $****** which was opened as a result of identity theft/fraud on OCTOBER 10, 2021" for all my credit reports

  

  Business Response

  Date: 04/04/2023

  April 4, 2023
  As you requested, we
  addressed this matter directly with Ashot ******* on April 4, 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 Ashot ******* 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:03/17/2023

  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.

  On 3/15/2023 I called FNBO about a doubled payment on my credit card account I hold with them. I tried to have them return/cancel one of the payments. They refused to help me and said nothing could be done at that point. They said I should call my bank to have it canceled. My bank account was overdraft by *******, the duplicate payment amount. I called my bank where I hold my checking account. They said they would be unable to cancel the transaction as well. I called the credit card company back to ask them to please stop the payment from going through. They would not assist me at all. I was on autopay for this card and when I went online to check to make sure my autopay was on, it did not give me indication that it was. I was worried my payment would be missed or late. I set up a scheduled payment for the "statement balance in full" option and set it up for the due date and pulling from the same checking account as I had set up with autopay. The site failed to tell me that I was on autopay, alerting me to not put in another full balance payment. The site has always alerted me to an autopay feature being turned on and that any other payments would be in addition to the auto payment. This banks site failed to do that. They refuse to help me and return the duplicate payment.

  

  Business Response

  Date: 03/31/2023

  March 31, 2023
  As you requested, we
  addressed this matter directly with Kimberly ***** on March 31, 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 Kimberly ***** 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:03/16/2023

  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 got and paid with my credit card for health services with a merchant, **** **** ***, so I filed my dispute with such credit card at its dispute department
  The credit card failed to contact my merchant and perform a required investigation and not even to contact this merchant over disputed charges
  They are seeking collect money over disputed charges breaking their own terms and conditions
  Credit card company breached our contract

  

  Business Response

  Date: 03/30/2023

  March 30, 2023
  As you requested, we
  addressed this matter directly with Elvia ******* on March 30, 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 Elvia ******* 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: 04/11/2023

  The business did not address my complaints 

  This credit card will be closed as business breached and violated consumer credit rights

  The amount under dispute will be not paid

  Customer Answer

  Date: 04/11/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  This company has breached and violated Consumer Credit Rights

  
  
  
  
  Sincerely,
  
  
  
  Elvia *******

  

  Business Response

  Date: 04/14/2023

  April 14, 2023
  As you requested, we
  addressed this matter directly with Elvia ******* on April 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 Elvia ******* 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: 04/17/2023

  The company had violated Fair Credit Rights and Billing Act

  They can send my account to collections however legal action will be against this credit card company 

  Read below Act:

  “The amendment prohibits creditors from taking actions that adversely affect the consumer's credit standing until an investigation is completed, and affords other protection during disputes.”

• Initial Complaint

  Date:03/10/2023

  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.

  On Jan. 10, 2023 I purchased a lottery ticket online from *** ******** ******* for $****. When my statement arrived, I noticed I was charged an extra $***** for this transaction. When I contacted the bank regarding this charge on 3.7.23, I was told that any purchase of lottery tickets incurred an extra $***** charge. There is no reason for this outrageous charge, and I was never informed there would be this type of charge.

  

  Business Response

  Date: 03/27/2023

  March 23, 2023
  As you requested, we
  addressed this matter directly with Alex ******** on March 23, 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 Alex ******** 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:03/07/2023

  Type:Customer Service 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 being harassed by the FNBO, they are my **** charge card company. During the week of 20-24 February 2023, a local heating company (********* ******* *** **) installed a new hot water boiler in my home. Then on 2 March 2023, I called the FNBO **** (************), and I told FNBO rep that I was going to use my **** charge card to pay *********** ******* $****. My current **** account (-****) balance was $****, with a credit limit of $******. So, after speaking with FNBO, I called *********** ******* and I asked *********** while I was on the phone to run my **** card through - it was declined. I was stunned... because I made sure before hand that there would be no problem using my FNBO **** card. So, again I called the FNBO **** card company (FNBO), and after numerous attempts I finally spoke with a FNBO rep. I told the rep, that I am trying to pay ********** ******* $**** and FNBO already knew this. Now I am depressed, and I could not believe having to do something so simple with FNBO, that it would be so difficult for a consumer. I waited so long on hold, numerous calls, being hung up on, I finally spoke with a FNBO rep. Again, the FNBO rep told me that there should be no problem, *** * **** **** *** ******* *** ***** * *** ***** ****. So, again I called ********* ******* for the third time... they run the card through and it finally worked after an hour on the phones. Unbelievable, later the local police department of ******* ********* calls me (**** *** **** ** ***** ** ** ****), the FNBO **** card, they received a call from the FNBO. So after all of this, I ** ****** ********** * ** **** ****** *** * ** *** ** * **** ****. How *** **** can a consumer is treated like this by the FNBO. Last thing, now I find that my new **** charge card (account ****) has been tampered with. My old **** (account -****) charges are now showing up on my new **** (account -****) card. This is wrong for FNBO to do to a consumer: harassment, call police, tamper with account data

  

  Business Response

  Date: 03/23/2023

  March 23, 2023
  As you requested, we
  addressed this matter directly with Matthew ****** on March 23, 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 Matthew ****** 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: 03/23/2023

  Thank you BBB for your assistance, I first need to receive and read the letter that was sent from the FNBO to me, so as to make a decision. FNBO, stated that it may take from 5 to 7 work days from 23 March 2023.

  Customer Answer

  Date: 03/28/2023

  FNBO stated on 23 March 2023 they sent me a personal postal mailed letter. Well, today is 28 March 2023, and I do not have a clue what FNBO sent me in the mail. This is weird - to see my complaint closed and I not know what the final outcome / conclusion is / what is in the letter that FNBO sent me.