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:01/14/2025
Type:Billing IssuesStatus: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.
my account went to collections without warrant First thing my trip was cancelled secondly I filed a fraud complaint and they never helped me fix the issue they kept telling me they couldnt find my account then i sent email after email
never followed up and then they sent to collections then a year later they send me my refund from cancelled trip mean while i am dealing with a debt collector and not that said collector says i owe them money !!!! and they will not remove the 1300 some dollars of the 1600 said owed!!!! need this resolved asapBusiness Response
Date: 01/28/2025
January 28, 2025
As you requested, we
addressed this matter directly with ******* ******t on January 28, 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 ******* ******t 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: 02/03/2025
thank you for letter stating that you had resolved the one issue, but that doesnt help the fact that I am having problems with the collection company you sold it too, they are still saying I owe that amount plus more money that was supposed to be resolved due to a fraud issue I had with your company before it was sold!Initial Complaint
Date:01/10/2025
Type:Billing IssuesStatus: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.
01/10/2025 I received an alert on credit karma that my credit dropped 36 points. When I looked into it, FNBO decreased my limit by $3,800. When I called, they said it was because I have had a balance since I got the card and because of my fico score. I just bought a new vehicle in November so my credit score dropped a little. It has been lower but they never decreased it. In the 3 years and 8 months I have had this account, I have not missed one payment. This is the shadiest thing I have ever heard because I pay my bills and have a 100% payment on time history on ALL of my accounts for at least 12 years.Business Response
Date: 01/28/2025
January 28, 2025
As you requested, we addressed this matter directly with ******* ****** on January 28, 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:12/30/2024
Type:Customer Service IssuesStatus: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 spoke to a representative that was informing me that my account was passed due 0.11¢. I asked them if my account is 30 days past due, they told me no. I received another phone call about the same issue, I paid $1.00 and again asked if my account was 30 days past due and again I was told no. A few weeks later, I received a notification saying that my account was in fact past due of the 0.11¢. I have been reaching out to the business with no responseBusiness Response
Date: 01/09/2025
January 9, 2025
As you requested, we
addressed this matter directly with ******* ************* on January 9, 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: 01/18/2025
Complaint: ********
I am rejecting this response because:
The business said I made no attempts to contact them, when I filed a complaint previously and they closed my claim without reaching out to me the first time.
Sincerely,
******* *************Initial Complaint
Date:12/28/2024
Type:Billing IssuesStatus: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 disputing a $75 charge on my credit card from ****** *** ******. I was not in this establishment and they are telling my credit card company that I participated in this transaction, but can not provide the transaction showing my signature.Business Response
Date: 01/09/2025
January 9, 2025
As you requested, we
addressed this matter directly with ***** ****** on January 9, 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:12/23/2024
Type:Billing IssuesStatus: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 an MGM credit card that is owned by FNBO. Each time I log into my credit card app, they request my income to update it, but it never actually updates. My income has increased significantly since I got a card with them. I've never missed a single payment, but they've lowered my credit limit multiple times... in fact each time I pay down the card significantly. This negatively affects my credit score, and is unfair and deceptive. I'd like my original credit limit restored.Business Response
Date: 01/02/2025
January 2, 2025
As you requested, we
addressed this matter directly with B******* ****on on January 2, 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 B******* ****on 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: 01/02/2025
Complaint: 2******8
I am rejecting this response because: I did not request a letter. I reject the contents of the letter. I requested a phone call.
Sincerely,
B******* ****onInitial Complaint
Date:12/10/2024
Type:Billing IssuesStatus: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 a FNBO Evergreen credit account and it has 5 cards attached. All the cards earn seperare points, and there is 10,000 rewards point bonus that are earned when the individual card spends $10,000 in it's calendar year, by it's anniversary date. When I call Customer Service, they tell me different stories on how rewards works, and the rewards department only sees points received, and redeeming them. Can you please clarify this program for me? Thx.Business Response
Date: 12/23/2024
December 23, 2024
As you requested, we
addressed this matter directly with ********* ****** on December 23, 2024, 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: 12/28/2024
Complaint: 2*******
I am rejecting this response because:** *******
Thank you for your follow-up! I have some more questions please:
- Can you please provide a full accounting of where my rewards stands for each card? I still don't have a full picture, and your statements don't provide that either.
- When you say the 2023 anniversary, what date is the annual anniversary?
- Is this the date where if I purchase over $10,000, I will receive $10,000 bonus points?
- Is there anything else we're missing regarding rewards on this account?- do you have someone I can call and talk about these types of Rewards questions? As previously stated, when I call the rewards department, all they can see is there are points, and they can help me redeem those points. They know nothing about how points are earned at all. As clients, we need to have somewhere to go to get questions answered. As you can see, the questions aren't fully answered yet. It appears as if your company does not understand its own Rewards program.
- Can your company please start fully reporting points, how they're earned, when they're earned, etc etc etc?
Thanks for your assistance. I'm hoping your company will start fully reporting everything regarding Rewards, and will also train each employee on how to answer these questions. Look at all we've had to go through to get to this point and we're still not totally there. It's frustrating for both of us, and the average client I'm sure feels this way, but when they call in and can't get an answer, and there's nothing on the statement, they probably usually just give up and go somewhere else to utilize another card issuers program. You're losing, and frustrating your customers. Thank you for your time.
**********
********* ******Initial Complaint
Date:12/06/2024
Type:Billing IssuesStatus: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 a bill via mail on 12/5/2024 stating that an annual fee has been applied. I immediately called customer service on 12/6/2024 to cancel the card in order to avoid the annual fee. The representative told me I needed to inform them 30 days prior to the renewal notice being sent which I never received. The representative refused to credit my account for the $89 annual fee and pointed to the banks policy. I asked for a one time exception since I did not receive the notice in the mail and contacted them as soon as I was aware of the charge. They declined and would not budge. I am highly upset with this representatives ability to put the customer first and will no longer associate my personal or business accounts with this bank. The representatives name is ******* *********** *******) out of the South Dakota office.Business Response
Date: 12/19/2024
December 19, 2024
As you requested, we
addressed this matter directly with J******* **** on December 19, 2024, 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******* **** 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: 12/27/2024
Complaint: 22******
I am rejecting this response because I did not receive a bill until December, as stated in my original complaint. FNBO’s response did not provide any evidence that I received a bill prior that noted the upcoming fee. They did not follow their policy in my case and I believe I am due a refund. Additionally, my account is closed so I do not understand how I am being charged for a service I am not using.
Sincerely,
******** ****Initial Complaint
Date:11/30/2024
Type:Billing IssuesStatus: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.
They marked my credit report late by 30 days when the payment I made never hit my bank account. According to FNBO it was returned by my bank but according to ***** ***** the payment never reached my account. I had no clue until FNBo sent me an email stating it was returned. I checked my bank and there was more than plenty to cover it. I called ***** ***** they said they never returned any payments. I sent numerous letters to FnBO corporate address, certified, that were signed for, and never received a call/ email anything back. I sent ceo *** ********** an email. No response. I have enclosed all my banking info in the certified letters and the email to the ceo showing no transaction came through and that there was money to cover it. Still no response. I want this negative mark removed from my credit report and my ex wife’s credit report immediately. I will seek legal action. I was left no choice filing a complaint with the BBB because I get absolutely no response from corporate at all.Business Response
Date: 12/12/2024
December 12, 2024
As you requested, we
addressed this matter directly with **** ******* on December 12, 2024, 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: 12/12/2024
Complaint: ********
I am rejecting this response because: I have been continuously contacting FNBO and now they have said they sent me a letter. No one has tried to communicate with me, yet my credit continues to take a hit because of this. Now they expect me to wait on a letter.. I have been trying to contact them for over a month about this. Their response annoys me and they can say on here what their outcome is.
Sincerely,
**** *******Initial Complaint
Date:11/18/2024
Type:Billing IssuesStatus: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 signed up for a credit promotion that was a targeted email offer sent directly to me.
See attachment.
I spent the required threshold within the required timeframe.
I did not receive the reward points.
I called customer service and they denied my request to receive my points. I also paid the annual fee upfront and cannot simply cancel the card due to this error.Business Response
Date: 12/05/2024
December 5, 2024
As you requested, we
addressed this matter directly with ***** ****** on December 5, 2024, 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 ***** ****** ********. 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: 12/05/2024
I have not received the letter referenced. Can we wait to decide to close this matter out until I receive their mailed response?
thanks
Initial Complaint
Date:10/11/2024
Type:Billing IssuesStatus: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 received a statement earlier this summer and immediately called ************ to dispute as I never applied for this acct, nor do I have or ever received a credit card for *** ******* Airlines. On 7/25/24 I signed and mailed an affidavit to this effect to FNBO. I spoke to **** on 9/24/24 and he stated the account shows closed and that FRAUD is still investigating. On 9/27/24 I submitted a complaint to BBB on *** ******* who states my complaint must be with FNBO. (BBB*********) On today's date, 10/11/24, I received a voicemail message from FNBO and I called back and spoke to **** at *************************. **** stated the call was an attempt to collect a debt. I asked to speak to a manager or supervisor and explained the situation. **** put me on hold for several minutes and came back to state one would be calling. I received a call from ***, Supervisor ************. She states the only amt due is an annual fee charged on 7/19/24 with late fees added. She shows the account was closed on 7/29/24. She confirms the fraud department did receive my affidavit. She will have the account credited and states that there wouldn't have been any reporting to a credit report. Since I've been dealing with this several months already, I'm concerned there will be no follow through. I would like the amount credited and my credit report corrected. Thank you.Business Response
Date: 10/29/2024
October 29, 2024
As you requested, we
addressed this matter directly with ******** ***** on October 29, 2024, 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: 10/30/2024
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.
I have received a zero statement but no letter.
Sincerely,
******** *****
First National Bank of Omaha (FNBO) is BBB Accredited.
This business has committed to upholding the BBB Standards for Trust.
Why choose a BBB Accredited Business?BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.