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)

  1501 N 84th St Lincoln, NE 68505-3117

  
• 

  First National Bank of Omaha (FNBO)

  102 S Locust St Glenwood, IA 51534-1775

  
• 

  First National Bank of Omaha (FNBO)

  1820 23rd St Columbus, NE 68601-3424

  
• 

  First National Bank of Omaha (FNBO)

  124 W 3rd St Alliance, NE 69301-3302

  

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:01/02/2023

  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 noticed I had late payments from FNB OMAHA on my credit report. During these months I did not receive anything stating I was late. As you can see, majority of my payments have been on time so I am requesting the removal of these late payments my account. I am trying to increase my score to purchase a home and would greatly appreciate if you guys can submit a request to the credit reporting agencies to remove the late payments.
  

  

  Business Response

  Date: 01/30/2023

  Business Response /* (1000, 8, 2023/01/17) */
  January 17, 2023
  As you requested, we addressed this matter directly with Nathaniel ***** on January 17, 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 Nathaniel ***** 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:12/30/2022

  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.

  This bank purchased my account from *************** prior to my auto pay being accepted. As a result it came over with a past due balance. Subsequently I received no information from the bank, no new credit card, and no statements. Despite them saying they came. As a result I was forced to pay interest and my account was closed, forfeiting my ******* ****** points. I asked for my credit report to be cleaned and my account/points to be reinstated and was told "no", despite the extraneous circumstances about this terrible transition. I would like to be contacted by management to rectify the situation. Prior to my account being purchased, I had impeccable payment history with ***************, which I believe they should know. What an unfortunate turn of events for me -- the customer -- that all this transpired and I believe I am deserving of extra attention to this unfortunate situation.
  

  

  Business Response

  Date: 01/30/2023

  Business Response /* (1000, 8, 2023/01/17) */
  January 17, 2023
  As you requested, we addressed this matter directly with Laura ******* on January 17, 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 Laura ******* 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:12/29/2022

  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 applied for the **** rewards credit card through First National Bank of Omaha. My initial application was denied because my information could not be verified due to my address. I was advised to reapply and use my old address to get approved. The new application did not get approved and was pending. After explaining the situation to a customer service representative, I was then advised to reapply and use the same address I used on the first application which was denied. Also, it was explained to me that if my second application was approved the card would be sent to my old address which could lead to fraud. FNBO should be held liable for their mistakes and for advising me to submit multiple applications which negatively impacts my credit report.
  

  

  Business Response

  Date: 01/24/2023

  Business Response /* (1000, 8, 2023/01/12) */
  January 12, 2023
  As you requested, we addressed this matter directly with Wade ****** on January 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 Wade ****** 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:12/28/2022

  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.

  I have an FNBO ****** Card which FNBO took over from ***************.
  There was an inadvertent charge made by ****** when I went to use my ****** Voucher via the ****** website. (I have ******* points so I would NEVER charge an ****** trip?)
  It was caught by ****** when changing my return and the ****** return trip was canceled. He said to Contact the FNBO ****** card folks to ameliorate this fiasco.
  I went to dispute the charge because of the obvious malfunction and accidental charge.
  I could NOT dispute the charge of *****
  I could not dispute anything I could not reach my new ****** bank?
  

  

  Business Response

  Date: 01/23/2023

  Consumer Response /* (2000, 10, 2023/01/09) */
  matter was addressed several times and just the other day after the new year; it was resolved. thank you, Happy new year.

• Initial Complaint

  Date:12/27/2022

  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 scheduled a payment to post on 12/26/2022 and the payment did not post as of today 12/27/2022.
  

  

  Business Response

  Date: 02/06/2023

  Business Response /* (1000, 8, 2023/01/11) */
  January 11, 2023
  As you requested, we addressed this matter directly with Dayna ****** on January 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 Dayna ****** 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.
  
  
  Consumer Response /* (3000, 10, 2023/01/15) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  They messaged me internally in the message center, I am annoyed that they did not respond to you. I do not accept their response. My payment was scheduled for 12/26/2022 and they posted it 12/27/2022. *********** posts on sundays for goodness sake. I will be closing out my account with FNBO. They are very ************ and you can't get a live person, the hold time is ridiculous. My promo period expires in May and at the risk of losing rewards I earned I will keep the account active until then. After that I am done with this bank. They are ********* and should be invesigated.
  
  
  Business Response /* (4000, 14, 2023/02/01) */
  February 1, 2023
  As you requested, we addressed this matter directly with Dayna ****** on February 1, 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 Dayna ****** 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.
  
  
  Consumer Response /* (4200, 16, 2023/02/03) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  In addition to posting my payment late, in retaliation of my complaint to the BBB, they decreased my credit limit from ****** to $******** which resulted in a ** point decrease to my credit score. I received no letter indicating the reason a payment was posted later than they received it however I received a letter as to why a person with an *** credit score all of a sudden is decreased credit limit. It's OK, I will be following up with a complaint with other agencies and the Attorney General for the State of ********. This bank is notorious for decreasing credit limits and as of the day of this message, magically my credit limit was restored to it's original limit but not without damage done. They need to be investigated for these practices.

• Initial Complaint

  Date:12/22/2022

  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 closed my ******** rewards credit account on 10/31/22. I phoned in and spoke to a rep advised I was calling to pay my account in full and close the account. I took a loan to pay off this account (and others). I paid the account in full and closed the account. I received a bill on 11/21/22 and called to see why all the charges. They advised it was residual intrest and a charge from **************** radio (which I also cancelled). I asked why the account was open and they advised they are not sure but they would reverse the fees/intrest and I agreed to pay the ****** charge and advised I would not be paying them anymore on this account as it is paid in full and closed. I received another bill on 12/21/22 for ******. I called them today 12/22/22 and they had more excuses. I am not responsible to pay charges on a closed account for a cancelled service. I spoke with a manger and his only solution was for me to sit on hold for over an hour to file a dispute with the disputes department. I advised that I am filing a complaint with the BBB.
  

  

  Business Response

  Date: 01/23/2023

  Business Response /* (1000, 8, 2023/01/10) */
  January 10, 2023
  As you requested, we addressed this matter directly with Jessica **** on January 10, 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 Jessica **** 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:12/22/2022

  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 was a loyal customer of this bank for over a year. I utilized their $** offer of credit to consolidate my other credit cards during their interest free grace period. Prior to the end of the grace period, I paid off the $** and continued to use the card. Last month I needed to make a purchase of advertising through **********, which was going to cost $********. I called ahead of time and got approval for the purchase. Well for some reason **** had opened my account using n/a for company name, instead of my registered DBA. I requested they correct the mistake, which they did, but upon issuing the correction they required canceling the original $***** transaction and putting a 2nd one through. **** refunded the original $** but were unable to put the replacement charge through. I called FNBO and they told me that "a department higher than their fraud department" had frozen my account and that unless I sent them notarized copies of my ID, SS card, and paystub they weren't going to lift the freeze. I provided the documents, at my cost (the notary fees) but I received nothing from FNBO confirming, they have removed my access to my account (including statements and purchase history), and when I call and enter my information in their automated system, I'm told "you call is being routed to the next available agent and you are next in the que" but then I am put on hold for 35 minutes, 48 minutes, and 42 minutes, and I am calling during their normal business hours. Obviously, they have put me in some kind of black list. This is a ridiculous way to do business. Why did I spend money on notary fees? I have charged over *** through this bank and now I'm worthless in their eyes. I have never had a company treat me this way. *************************************************************************************************************************************************************** This company is ********* and *********.
  

  

  Business Response

  Date: 01/23/2023

  Business Response /* (1000, 8, 2023/01/11) */
  January 11, 2023
  As you requested, we addressed this matter directly with Carlo ******** on January 10, 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 Carlo ******** 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:12/14/2022

  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 one of the business card holder with the FNBO bank. On December 13,2022 I was trying to get an approval from a vacation package company and did a three way call with FNBO to verify the transaction to accept due to not receiving an email or a text that the process was trying to go through. I was then transferred through fraud protection, which I didn't understand because I gave all my personal information. I was told I needed to go to a local bank to show my id and have them call them for them to process the transaction. Not only do they not have a branch in ******** but I would have to make an appointment to speak to a representative at any local bank. So I then decided I was no longer going to go through with the purchase of the vacation as it seemed that the company could have been fraudulent. But the bank was looking at me the card holder as the person trying to commit the fraud. The following day December 14th, I went to purchase items for a holiday party and the card was blocked. I reached out to customer service who then asked me all my info about the account and yet refused to remove the hold. I even stated if I was to make a payment on the account which was currently due for the 15th will it prove I was the card holder, I was told they will still not remove the hold. I understand that there is a protection provided to a card holder which is great, but this bank company has taken it to the extreme.
  The customer (myself) has given all the information needed for verification and yet they want me to do leg work, time out of my work day to remove a hold on a card that honestly would benefit then in the long run.
  I wouldn't recommend this business bank card to anyone especially with them not offering any incentives for using the card and the high increase in interest applied now.
  

  

  Business Response

  Date: 01/18/2023

  Business Response /* (1000, 8, 2022/12/29) */
  December 29, 2022
  As you requested, we addressed this matter directly with Miranda **** on December 29, 2022 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 Miranda **** 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:12/13/2022

  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 an ****** credit card for years through ***************
  I have been on autopay.
  Last Wednesday I received mail that my account had been sold to FNBO,
  The day after, I was notified by FNBO that I have been given a late fee of ***** and that in I have been charged an annual fee of *****.
  The problem is, I already paid *** the annual fee of *****.
  I want the ***** refunded and the ***** refunded.
  

  

  Business Response

  Date: 01/13/2023

  Business Response /* (1000, 8, 2022/12/29) */
  December 29, 2022
  
  As you requested, we addressed this matter directly with Christopher ****** on December 29, 2022 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 Christopher ****** 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:12/13/2022

  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 received an email Dated December 7, 2022 from FNBO starting they had closed my credit account. I called them to ask them why they had reported an account closed 2 years ago as recently closed. I was informed that it was a ** account as they had purchased ** accounts. I had an active ** credit card so I thought nothing of it when I received a ************* in the mail with a $**** limit. I had no knowledge this was from FNBO. I would not do business with FNBO after they raised my ************** limit and then closed the account shortly afterwards without cause about 2 years ago. This was an unsolicited credit card, FNBO stated I was informed about the ** purchase, I was not and they cannot present any proof that I was. This account closure has negatively affected my credit ***************************************************. We never used the card, and we do not have any late payments on our credit reports. FNBO is the reason it is necessary to have the CFPB and I'll will be reporting them there if they do not agree to reinstate the credit line to restore my credit score to where it was before they closed this account without cause.
  

  

  Business Response

  Date: 01/13/2023

  Business Response /* (1000, 8, 2022/12/29) */
  December 29, 2022
  
  As you requested, we addressed this matter directly with Robert ******* on December 29, 2022 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 Robert ******* 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.