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:09/11/2022

  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.

  We have a small business called *************************************, and we filed a claim with ************************* that has had an ACH from ************** on 08/23/2022 which we have not authorized in any way and have no relationship with latter company; however, our bank has denied our claim for the fraudulent ACH activity stating that FIRST NATIONAL BANK OF OMAHA has made claim to have authorization form *************************************. FIRST NATIONAL BANK OF OMAHA has thus negatively impacted our productivity and crippled our operations.
  
  We are requesting all documentation regarding authorization claim which FIRST NATIONAL BANK OF OMAHA claims to have and reparation for loss of production, loss of business and inability to maintain business Operation due to BANK of OMAHA's apparent fradulent activity into our Business Bank account.
  

  

  Business Response

  Date: 10/07/2022

  Business Response /* (1000, 5, 2022/09/20) */
  September 20, 2022
  
  As you requested, we addressed this matter directly with Kiara **************** on September 20, 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 Kiara **************** 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:08/22/2022

  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.

  Why I am making a complaint is because I had a ** credit card and recently made a complaint to the company about the outrageous interest rate which is *****%. I have a great credit rating and called this company a couple of times to find out why. The original card holder was ************** and sold it to First National Bank of Omaha ******************. I called ********* when the rate was at *****% and made a complaint. After ********* sold their business to First National Bank of Omaha, the rate went to *****%, which is absolutely outrageous. I called the First National today and cancelled my card. I am going to send them a check for the whole amount due which is $********. I also told the rep that I will not pay any so called fees and will return any mail that they send. What can BBB do about such high interest rates. I have other credit cards and have NEVER seen this before. Please let me know because I think I will need help to avoid any more charges. ********************************* this is a big chunk of money to send in. Thank you.
  

  

  Business Response

  Date: 09/23/2022

  Business Response /* (1000, 7, 2022/09/01) */
  September 1, 2022
  As you requested, we addressed this matter directly with Marie ******** on September 1, 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 Marie ******** 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, 13, 2022/09/07) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I received a letter from Melissa * Office of the President FNBO, and it was quite long. She went into detail about the about the APR, etc. and at the time of my May statement, the prime rate was ****% and it was only ****% higher then ************** which they bought. My total payments of $******** was accepted and the balance is $0.00 and they will refund any trailing finance charges, etc.. Can these people understand that I canceled the card due to their APR? I would never pay that much on any card. Therefore, I will not ever accept any card with an interest rate of *****%. I can send the letter to you if needed. Please let me know. Thank you very much for intervening in this matter. I never used the card for gas again after ********* sold out to them to and purchased one item for $****. I'm going to send a letter to each of the Credit Bureaus to make sure there are no comments in my record. Thank you again, and if I have any more problems with this, I'll let you know.

• Initial Complaint

  Date:08/19/2022

  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 occurrence happened on August 19, 2022. I am in need of car repair and had to make a new copy of my debit card. Having no transportation I was forced to use a taxi service to get to First National Bank of Omaha. When I arrived at my local branch I provided all the necessary credentials and identifying information to withdraw my recently deposited money from my checking account. Upon my request I was denied, for reasons that were not explained to me clearly. I was then told that all of my funds would be accessible through my debit card connected to the same checking account. I was visibly confused and questioned why and received no clear answer. At this point I agreed to make a new copy of my debit card in order to access my funds (as per the representative's advice). It was at this point that the individual helping me agreed and began asking me details about the new card. After a few moments of questioning, the individual representing FNBO told me that the machine that makes debit cards was out of service. At this point he tells me that I must leave and go to a different branch in order to receive this service. I was forced to pay over **$ in taxi costs because of the bank's negligence and inability to provide me a service that they claim to offer. I am seeking compensation for the costs associated with this incident and would like to hold First National Bank of Omaha accountable for the unfair and unjust costs they imposed on me.
  

  

  Business Response

  Date: 09/23/2022

  Business Response /* (1000, 5, 2022/09/01) */
  September 1, 2022
  
  As you requested, we addressed this matter directly with David ********* on September 1, 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 David ********* 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:08/10/2022

  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 made dispute with court fee court never responded did not process my motion told bank they come up with a script that i did not cancel the service just a script to try to keep money even though court has not responded to my complaint dispute i know that since other bank has refunded this already ***** i am done here and i want a refund asap. or i go further being an almost lawyer i know my rights refund the money
  i will go further
  

  

  Business Response

  Date: 08/18/2022

  Business Response /* (1000, 5, 2022/08/18) */
  August 18, 2022
  
  As you requested, we addressed this matter directly with Deb ********* on August 18, 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 Deb ********* 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, 14, 2022/10/31) */
  All ihave had are problems here since i opened my account i am notusing my card for months too have not been. First it was with a dispute still not resolved. The email customer service is beyond horrid i cant believe someone actually gets paid to answer those. My money is due this month to avoid interest i cant get the same date its due in full to avoid interest twice. Here is the big issue I emailed 5 times to fnbo email address i used when i opened the account PROOF that a ** dollar check was cashed on 10-25 to my *********** account but was not posted to fnbo account. I called twice one rep told me to go to my bank and have it faxed this is after i spent my time on phone email sending proof of endorsed cashed check. then by email Jennifer * tells me one day they have it it will be posted soon then friday 10-28 wastes my time telling me to fax it to accounting when i have no fax , no attempt by them has been made to find check **** that has cashed for ** dollars and i emailed is several times to fnbo. credit my account check your email i know you are getting as its same email i used before i got this account and confirm when i have to pay balance in full to avoid interest at this point i should get money from you. i also want the status of my dispute tired of the ****** CS email telling me to call and that they helped me when i call i get run around horrible service Resolve all this i want the same answer twice about money paid in full to avoid itnerest, find payment ** credit it and my dispute shuld be over by now since i know other party did not respond get your act together JEnnifer * who answers email aint wasting my time anymore she is *******. and wont do her job trying to send me on a wild goose chase.
  Desired resolution - Resolve all 3.
  
  
  Business Response /* (4000, 18, 2022/11/15) */
  November 15, 2022
  As you requested, we addressed this matter directly with Deb ********* on November 15, 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 Deb ********* 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 /* (2000, 20, 2022/11/15) */
  (The consumer indicated he/she ACCEPTED the response from the business.)
  this was addressed dealing with them is horrible.

• Initial Complaint

  Date:08/01/2022

  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.

  FNBO allowed two separate bank transfers from someone I do not know, associate with, or give permission to, and I was not notified of these transfers. I started the dispute end of April 2022 and have spoken with at least a dozen people from the bank trying to get the fraudulent charges off of my account. I was also assured by a handful of those employees that I won't have my credit score effected by this since the charges were being disputed (I had a $0 balance, all charges on the card are fraudulent). Now, in the middle of trying to purchase a home (we are under contract) NFBO reports me for not making payments on the card. This of course drastically lowered my credit score and is now going to prevent me from continuing this home purchase. I've asked them many times to get my charges removed from my account and to get me documentation showing that the charges, and reports to the credit score, are not my fault and they are working to recant this issue. To no avail, they have not provided me with ANY requested documentation.
  

  

  Business Response

  Date: 08/22/2022

  Business Response /* (1000, 5, 2022/08/11) */
  August 11, 2022
  As you requested, we addressed this matter directly with Elizabeth ***** on August 11, 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 Elizabeth ***** 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:07/28/2022

  Type:Customer Service 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.

  This is in reference to account ending in ******* **** Card ending in ****. I have attempted many times to contact FNBO to resolve my delinquent account but am always told that you will call back in 24-48 hours. No one ever does. Initially, I was going to file for a Chapter 13 however, due to inflation (CPI = 9.1%), it no longer made sense. Any agreed upon monthly payments would never account for inflation thus forcing myself and husband into extreme poverty. Therefore, a Chapter 13 is out of the question. ******************************************************************************************************************************************** This is my last attempt. If your office does not contact me at ************** by 8/31/2022, I will no longer be willing to resolve this matter without a lawyer and this correspondence will be used by him/her to abolish this debt as I have done everything that I can to get this resolved! I do have enough crypto for a lawyer as well.
  

  

  Business Response

  Date: 08/19/2022

  Business Response /* (1000, 5, 2022/08/04) */
  August 4, 2022
  As you requested, we addressed this matter directly with Traci **** on August 4, 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 Traci **** 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 /* (2000, 7, 2022/08/04) */
  (The consumer indicated he/she ACCEPTED the response from the business.)
  It has been resolved. Thanks.

• Initial Complaint

  Date:07/27/2022

  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.

  Melissa ** Office of the President, FNBO
  
  Please provide me the following documents
  
  Signed agreement that I gave FNBO my lawful authority to furnish my information to the credit bureaus. If you are NOT able to provide proof, this is a violation of the Gramm Leach Bililey Financial protection Act (15 USC 6801 ) The penalty for this violation is up to 20 years in jail. And a hefty fine.
  
  Signed agreement that FNBO gave me the opportunity to opt of credit reporting. . If you are NOT able to provide proof, this is a violation of the Gramm Leach Bililey Financial protection Act (15 USC 6802 ) The penalty for this violation is up to 20 years in jail. And a hefty fine.
  
  The notice that was sent to me regarding FCRA 623(a)(7)(G)(i), notice either before you furnish the negative information or within 30 days of furnishing it
  
  Also, please address the statement you made that I cannot limit sharing- this statement is a direct violation of 15 usc code 1692e - False and misleading representations
  Regards
  Keith ******
  

  

  Business Response

  Date: 08/19/2022

  Business Response /* (1000, 5, 2022/07/28) */
  July 28, 2022
  As you requested, we addressed this matter directly with Keith ****** on July 28, 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 Keith ****** 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:07/27/2022

  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 was recently notified that my credit score had dropped ** points because FNBO decreased my credit limit on my credit card with them. I went back through and realized that at some point they increased my limit (which I did NOT request) and then a few months later decreased it. I called to ask why this was and was told that's just what they do. I had one payment, that was one day late and they decreased it by $****. I explained that I had not asked for the increase and only had one late payment by one day and if they could please do something to fix this. They offered no solution or even try to do something. I further told them that I have very good credit, with several accounts, all in good standing and have just purchased a business that this is having a very negative effect due to the drop in my credit - NO OFFER TO HELP IN ANY WAY.
  Not sure how they have an A+ rating after seeing that they have multiple similar complaints and a 1 star rating.
  

  

  Business Response

  Date: 08/19/2022

  Business Response /* (1000, 5, 2022/08/04) */
  August 4, 2022
  As you requested, we addressed this matter directly with Stacy **** on August 4, 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 Stacy **** 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:07/25/2022

  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 called in when my card didn't work and now they sent me to seven bank branches and none of them knew what i was talking about that first national bank of Omaha wanted to verify my identity I have a passport and drivers license. I have a picture of my social security card and passport and can be.notarized. I am getting the runaround. My social is *********.
  

  

  Business Response

  Date: 08/16/2022

  Business Response /* (1000, 5, 2022/08/02) */
  August 2, 2022
  As you requested, we addressed this matter directly with Michael ******* on August 2, 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 Michael ******* 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:07/21/2022

  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.

  In June 2022, I provided complete and accurate information when applying for a credit card (**********) from **********************. FNBO imposed inaccurate information on this account and then blocked the credit card on the basis that there is a discrepancy. They are demanding that I compel a bank to break the law in order to establish my identity; specifically, they want a financial institution to disclose to them notarized information about my driver's license, W-2 forms, and social security number.
  Since they placed the block on the credit card prior to our receiving any bill, my wife and I have been unable to pay what we owe. FNBO says that they can resend a bill, but they refuse to say to where they're sending it, and consequently we are unable to determine if such bill was sent. Similarly, they refuse to disclose their idea of the current balance.
  Minimal due diligence such as a web search would have revealed my correct address, which is apparently part of the discrepancy.
  Their **************** Fraud Department is maddeningly frustrating, since it involves long periods on hold and rote recitation of their illegal demands once a human finally does answer.
  

  

  Business Response

  Date: 08/15/2022

  Business Response /* (1000, 5, 2022/07/28) */
  July 28, 2022
  As you requested, we addressed this matter directly with Clark ******* on July 28, 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 Clark ******* 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.