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:10/08/2024
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 used a atm machine at this bank and while putting my card back in my wallett the machine took my money back into the machine and advised me that i did not take my cash in the aloted amount of time i went into the branch when this happen and they told me since i was not a customer they could not talk to me at all so i went to my bank filed a complaint and my bank denied this telling me i had to get a print out saying this atm infact took my money back in i asked first national bank to look up the trans action i have the recept the location the terminal number the time everything i just need them to look it up and the machine is going to tell them the same thing it told me and then put my money back on my card this is allmost 500 dollars they have of mine and they will not do it they are telling me that it takes 45 days im like you can look it up and just refund my money they wont do it
Business Response
Date: 10/22/2024
October 22, 2024
As you requested, we
addressed this matter directly with *** **** on October 22, 2024, by way of letter. The complainant should
receive the letter in the next 7-10 business days. However, in the interest of
protecting the complainant’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: 10/28/2024
the bank still has not notified me mail,email,phone nothing at all from them and still have not re funded my moneyInitial Complaint
Date:09/30/2024
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 am writing to formally lodge a complaint regarding an unauthorized credit inquiry that appeared on my credit report from FNB Omaha, dated August 16, 2024. This inquiry was made without my knowledge or consent, and I believe it constitutes a violation of the Fair Credit Reporting Act (FCRA).
Upon reviewing my credit report, I noticed that FNB Omaha conducted a hard inquiry, which negatively impacted my credit score. As I have not applied for any credit, products, or services from FNB Omaha, I am concerned about the legality and legitimacy of this inquiry. This unauthorized action has not only caused harm to my credit standing but also raises concerns about potential misuse of my personal information.
To resolve this matter, I request that FNB Omaha:
Provide a detailed explanation for the inquiry made on August 16, 2024, including any supporting documentation or authorization that led to this action.
Immediately remove the unauthorized inquiry from all credit bureaus.
Take steps to ensure that this situation does not recur in the future.
Please address this complaint promptly and provide a written response detailing how this issue will be resolved. I expect a resolution within a reasonable time frame, and I appreciate your cooperation in addressing this serious concern.Business Response
Date: 10/10/2024
October 10, 2024
As you requested, we
addressed this matter directly with ******* ****** ***** on October 10, 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.Business Response
Date: 10/24/2024
Hello.
I am following up on my message from 10/21/2024.We mailed the complainant our response on 10/10/2024 at the address provided in their complaint: **** ******** ** White Marsh, MD 21162. Today, we received returned mail from USPS that they had moved and no forwarding address was provided. Could you please let me know if you have been able to follow up with the complainant to determine if they have an updated address so that we can resend the response? Thank you!
Initial Complaint
Date:09/26/2024
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 9/12/24, I requested a refund check for a credit balance of $3,056.61 on my credit card account. I was informed it would take approx. 2 weeks for me to receive the refund. As of today, I have not received the check. When I called FNBO to inquire about the status today, I spoke with ****, Escalation Support Manager, who informed me the refund hasn’t been processed. She was unable to provide any timeline for when the refund would be issued and explained it is currently “in the queue,” but she could not specify how long the queue is or how long it would take for my request to be completed.
I requested to speak to her manager to escalate the issue further, but she refused to transfer me. This lack of professionalism further contributed to my frustration. I am now left without any clear information on when I will receive my $3,056.61 refund.
This lack of transparency and poor customer service is unacceptable, and I would like FNBO to be held accountable for the delays and lack of communication. I kindly request your assistance in resolving this matter and ensuring that FNBO process my refund promptly.Customer Answer
Date: 09/30/2024
My full name and address is:
******** ****
** ***** ***** ****Laguna Hills, CA 92653
Business Response
Date: 10/15/2024
October 15, 2024
As you requested, we
addressed this matter directly with ******** **** on October 15, 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.Initial Complaint
Date:09/23/2024
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 July this year a had couple of charges that I did not agree and I do not recognize on my FNBO credit card. One for $348.00 from ***. Another one for $14.99 from ******. Both charges I did not agree on and I do not recognize. I disputed the charges twice but FNBO DOES NOT CARE ABOUT COSTUMERS. And in both cases they just did not care about me not making those expenses. To this date FNBO has not resolved the issue and I need it to be resolved as soon as posible.Business Response
Date: 10/15/2024
October 15, 2024
As you requested, we
addressed this matter directly with ***** ************** on October 15, 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: 10/16/2024
Complaint: ********
I am rejecting this response because: I don't have the letter and I don't know what's in the letter. After getting the letter I won't know if im satisfied with the response
Sincerely,
***** **************Initial Complaint
Date:09/19/2024
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.
This has happened twice this year with my FNBO webstaurant card. I have gone in to make an extra payment and select other and pay $100 and apparently there system is set up that it is automatically paying the entire balance of five thousand and change. This causes my bank account to be overdrawn and receive fees from both the bank and credit card and damages my credit. I pay all my bills on time and this looks poorly on credit history. When I contact FNBO they told me there is nothing they can do about it and if it bounces it will go be tried again leaving me with more fees and other bills bouncing. The customer service rep told me this happens a lot. well if this happens a lot why isnt it fixed. Are they doing this to profit from the fees from customers.Business Response
Date: 10/03/2024
October 3, 2024
As you requested, we
addressed this matter directly with Barbara Steel on October 3, 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 Barbars Steel 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:09/18/2024
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 called multiple times for a new credit card and still have not received one. My old card expired in march. When I call to check on my new card they say it is in the mail. This last time lady said didn’t see a request. I do not have a card to use but other businesses are charging my card. How can they use my card I can’t. I need my new cards it has been 6 months.Business Response
Date: 10/03/2024
October 3, 2024
As you requested, we
addressed this matter directly with ***** ****** on October 3, 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.Initial Complaint
Date:09/03/2024
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.
To Whom it may concern,
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
FNB Omaha
ACCOUNT NUMBER: ****** BAL. $1,753.00
Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Business Response
Date: 09/17/2024
September 17, 2024
As you requested, we
addressed this matter directly with ****** ****** on September 17, 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.Initial Complaint
Date:08/23/2024
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.
Hello, I have an issue with First National Bank of Omaha, I signed up for an ******
Guest Rewards card recently. I will include the screenshot. They have two cards. I
signed up for the "****** Guest Rewards @ Mastercard" the card that was on the
right that has "no annual fee". Surprise to me when I receive my statement I am being
charged an annual fee of $100.00 which means they have me under the "Preferred
****** Guest Rewards" card. I read over both and I clearly remembering selecting
and clicking on and applying for the card that had no annual fee. I called in to see if
they could help me and they had now idea what to do and said someone would call
me back well it's been a few days now and I've not received a call back, but of course
I now have a statement saying I owe $100 for my annual fee and it's due on 9/11. I
told them I'm extremely unhappy as this is the first experience with them and I feel
mislead and tricked. I know that what I clicked on and signed up for and this is not
the card I wanted and agreed to. This is completely unfair and has potential
consequences to my credit score if not handled correctly. These companies should
be held accountable for their misleading practices. On my statement the address is
listed as FNBO, P.O. Box **** Omaha, NE 68103-2557 if you need anymore details
I'm happy to provide those.Business Response
Date: 09/05/2024
September 5, 2024
As you requested, we
addressed this matter directly with ******* ****** on September 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 ******* ****** 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:08/20/2024
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.
They took a $139 from me and won't resolve itBusiness Response
Date: 08/29/2024
August 29, 2024
As you requested, we
addressed this matter directly with ***** ****** on August 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: 09/04/2024
Complaint: ********
I am rejecting this response because:They took a $149 from me and they let $62 be token when I never authorize it
Sincerely,
***** ******Initial Complaint
Date:08/19/2024
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 opened an Amtrak credit card issued by First National Bank Of Omaha February 2024. I applied for the credit card because it was advertised that if $2000 was spent within the first three months; the credit card holder would receive 40,000 bonus points. The promotional advertisement said to “APPLY NOW”. So I did. After spending over $2000 within the first 3 months I received 20,000 points (the standard). The first time I inquired, I was told the bonus points would be issued in increments. Months after not seeing my points on my account ; I contacted FNBO several more times. The last thing I was told was that I signed up on 2/8/2024 & the promotion started February 21, 2024. It was advertised on February 8, 2024 that after spending $2000 in the first 3 months the new card holder would receive 40,000 bonus points. The advertisement stated “APPLY NOW”. I only applied for this credit card for the 40,000 bonus points. This is false advertising; the old “bait & switch”. FNBO should honor their promotion and operate their company with integrity & good customer service. I would like the other 20,000 points owed to me. A little restitution is the order of the day. Thank you, ** **Business Response
Date: 08/29/2024
August 29, 2024
As you requested, we
addressed this matter directly with ******** ****** on August 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.
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