Complaints
This profile includes complaints for First National Bank of Omaha (FNBO)'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 394 total complaints in the last 3 years.
- 106 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:03/18/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On February 14 I went online and canceled my autopay because my income has become less predictable and I wanted to pick the date to pay when there was money in my bank account.
Nevertheless, I received an email saying that the autopay for March was going to be withdrawn from my account. I called and spoke with a representative named **** who said he understood my problem and would cancel the payment.
This morning I saw that the payment had been withdrawn from my bank account (which paid ony because I have overdraft protection on that account) and so not only was the $70+ taken out of the account but also a $36 overdrawn charge.
I called FNBO and spoke to a representative who said she coiuldn't do anything. I asked for a manager who told me the same. That is, they could not take the charge back and couldn't refund the overdrawn charge from my bank. She also said that I had only put the autopay "on hold" which is absolutely not true. And note, it didnt' stop a single payment from being automatically taken from my bank.
Business Response
Date: 04/04/2025
April 4, 2025
As you requested, we
addressed this matter directly with ***** ******* on April 3, 2025 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: 04/05/2025
Complaint: ********
I am rejecting this response because:
Sincerely,
***** *******Initial Complaint
Date:03/17/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
see attached
do not feel I should be 8.89 fee They already charged me 1.75Business Response
Date: 03/27/2025
March 27, 2025
As you requested, we
addressed this matter directly with ***** ***** on March 27, 2025 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:03/14/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Got a loan from them 1.5 years ago to build a pool. On February 19, we sold the property and the payoff amount that wasgiven to us by FNBO was valid through February 28. No where on the payoff document did they mention the only way they receive payment is through snail mail. Title company that we used for our closing mailed the check to them on February 19 since this was the only option to send funds and FNBO did not receive the check until March 5. After receiving a payoff amount of 127,000+ they still said we owed $139 because of the daily per diem rate. I called several times explaining that we closed on February 19 and the payoff amount disclosure that we received from them was valid through February 28 and that we had paid the loan 29 years early from the original 30year loan obligation and they did not inform us that they did not offer cashiers check or any other sort of a payment arrangement other than snail mail to receive payment faster. I would like my account reviewed and the $139 refunded in good faith,due to FNBO using only snail mail to receive payments and the fact that we closed within timeframe of the valid payoff amount date of 2/28 and they received a check of $127,953.97 and paying the loan off 29 years before due.Business Response
Date: 03/21/2025
March 21, 2025
As you requested, we
addressed this matter directly with ****** ***** on March 21, 2025 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:03/10/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Todays date is Monday 3/10/25. This matter pertains to the ******* **** ****** **** ******* * **** **** ***** ******** **** ** ***** ****** ****** ** ***** I have had a credit on the account in the amount of $201.30 since January 2025. I only use this account very rarely. I telephoned FNBO on Thursday 2/20/25 and spoke with an FNBO representative to request the issuance of a check payment to my home address for this amount. I have not yet received this check. I telephoned FNBO again on Thursday 3/6/25 and I spoke with an FNBO representative who told me the check was mailed out on Saturday 3/1/25. I received my regular statement in the mail today (Monday 3/10/25). The statement shows the $201.30 credit balance. My online profile also shows the $201.30 credit balance. There is nothing to show that any check has been issued to me. I am asking for check payment to be issued to my home address promptly for the $201.30 amount as indicated.Business Response
Date: 03/25/2025
The following was submitted on the BBB website:
March 25, 2025
As you requested, we addressed this matter directly with ******** ******* on March 25, 2025, 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 J******* ******y
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:03/10/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I had a credit card with Bank of America that got transferred to FNBO. I was told I would receive a card in about 6 weeks, but they sent it while I was away and I did not receive it. I attempted several times to pay the debts on my account (even though I never used my card, things were still charged to it) and close it, but they did not close it when asked. You cannot pay online or check your balance if you don't have an account, you can't make an account without your card, and you can only pay on the phone during regular business hours if you don't have an online account, which I was unable to do repeatedly when they allowed my account to stay open and keep receiving charges after I requested it closed. After they eventually closed my account (after leaving it open until another charge was made), there was a remaining balance that I was unaware of, and therefore did not pay it for quite some time. When calling to pay the debt in full they refused to remove the item from my credit report (the debt collector said they were unable to, and had no idea that it was even possible) even when I immediately paid the debt in full. I had never had an issue when I had the card with Bank of America, but FNBO made it deceptively hard to pay the balance and close the account, resulting in a negative impact on my credit score.Business Response
Date: 03/25/2025
March 25, 2025
As you requested, we addressed this matter directly with Allison
Cote on March 25, 2025, 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:03/09/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I saw a fraudulent charge on my credit card on 12/14/24. I immediately reached out to FNBO by email, and they called me back shortly. I was told someone used my card numbers with an online order, but entered the incorrect CVV numbers when purchasing online, but Walmart still accepted the order. FNBO immediately locked my card, and issued me a new card. I was told the charge would be removed after 2 months. It has been 3 months, the charge is still there, and they will not respond to any of my emails when I seek an updated. I appreciate any assistance in resolving this matter.
Thank youCustomer Answer
Date: 03/10/2025
I received a letter today (3/10/25) from FNBO and it informed me that it was a fraudulent charge, and I would be receiving a credit for the amount of $46.91.
Thank you for your assistance
Initial Complaint
Date:03/05/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
1. Attached is documentation on this matter, including two (2) photos of the damage to my expensive beautiful skirt with fitted jacket caused by ******* ***** ********.
2. The damage CANNOT be cured.
3. I paid $47.00 for the dry cleaning.
4.I am requesting $47.00 to be credited back to my credit card.Business Response
Date: 03/18/2025
March 18, 2025
As you requested, we addressed this matter directly with *****
**** on March 18, 2025 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:03/04/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I deposited a check for $2,716.00 on Friday , it was supposed to be available to me Saturday morning . Saturday morning my account was put under review. It’s been 4 days. It’s still under review. The bank refuses to lift the review and give me my money back.Business Response
Date: 03/18/2025
March 18, 2025
As you requested, we
addressed this matter directly with ******* ****** on March 18, 2025 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:03/03/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
FNBO closed my account for no reason. I was never late nor did I make a minimum payment. They don’t send me statements and won’t let me pay online. And now they say they won’t take payments by phone. What the hell am I supposed to do? I sent a certified letter to the CEO but he won’t respond. They did a hard credit check on me without my knowledge. They’re trying to ruin my credit and I’ve had enough. I’m a disabled vet and I this stress is too much. If you can’t help me then I’m headed to Omaha and settle this face to face.Business Response
Date: 03/18/2025
March 18, 2025
As you requested, we addressed this matter directly with **** ******* on March 18, 2025, 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: 03/19/2025
Complaint: ********
I am rejecting this response because:FNBO is a predatory lender. They gave me a $25,000 credit limit which is way too high for my age and income. After a year I made some changes and shortly after that FNBO closed my account and are now making it nearly impossible for me to make payments on time.
Sincerely,
**** *******Initial Complaint
Date:03/01/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have paid my payment online for the entire time of having my card. Suddenly a few months ago my OLB would not work. I tried to call in on a number of occassions to get it corrected, tried to manually reset my password myself and never got communication or proper access to my account. When I call to make my payments when I am available, the automated line sends me to a customer service line that is closed when I am off of work. I called in again today, the fifth time trying to get this resolved and even after explaining my terrible experience, my frustrations with my credit being impacted because I was not able to call in during their hours or get assistance to log in online from their representatives. I am on the line now, with my fourth representative, he tells me my OLB profile has been disabled and that's why I cannot pay online. I ask why, he doesn't know and has to transfer me elsewhere. He was the fourth rep I had to explain everything to and I do not have the time, nor should I be expected to, to help FNBO figure out their technical issues. I am making every attempt and effort I can on my end and yet the business does not seem to share the same urgency I have. The only reason I can think of is because they are getting additional interest and fees from me while impacting my credit. This is disgusting and should be illegal. To prevent people from paying their accounts CONTINUOUSLY and then punishing them? This is predatory banking at it's finest. I just now asked to speak to a supervisor, ******** and she told me again she couldn't help and would be sending me elsewhere. At this point of being on the phone for 45 minutes to make a payment and unlock and online account is unacceptable. She told me had I not talked so much my time on the phones would not have been so long....I am not waiting another 20 min to get to the OLB team because the 5 people I spoke to just now can't help me. This is unnacceptable. And very much feels intentional.Business Response
Date: 03/13/2025
March 13, 2025
As you requested, we addressed this matter directly with ******* ****** on March 13, 2025 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.
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