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:08/11/2024
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 thought I was a valued customer of FNBO. But apparently I thought wrong! Because as soon as I paid half my balance on my FNBO credit card, they cut my credit limit in half. So I made the payment and within hours they decimated my credit line! Why? I have never missed a payment and made all my payments on time! When I contacted FNBO they gave some false excuses for justification of my mistreatment. They claimed my credit rating went down so they’re justified on their actions! But they never contacted me to see if the negative credit rating was credible or fraudulent! And furthermore, I have credit card accounts with ******** and ******* *** that have higher credit limits than my FNBO account and yet they never reduced or attempted to reduce my credit limits. This is extremely suspicious behavior by FNBO. Not sure if what they did to me is legal, but it’s definitely unethical and bad business! I don’t know why FNBO is treating me so poorly! If they did not want me as a customer then why did issue me an account in the first place? I am 52 years old and have never been treated like this before! I am appalled that a Bank with a such high profile as FNBO would be allowed to treat customers this badly! I’m not sure if you can help me, but the BBB has been so good to me in the past I wanted your input. All I really want is my credit line reinstated and a valid honest explanation for their horrible actions.
Thank you!
Business Response
Date: 08/22/2024
August 22, 2024
As you requested, we
addressed this matter directly with ******* **** on August 22, 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:08/08/2024
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.
Fnbo had put a hold on my account for no reason . They asked for notarized documents such as i.d. , social security card, pay stubs. I provided everything that was asked and they closed my account for no reason . I tried to speak with several agents at fnbo and they do not have a reason . I don't owe them any money or have I ever . Fnbo wrongfully closed my accounts without reason . I lost money from loss of work and notarized documents they had me provide for no reason .Business Response
Date: 08/22/2024
August 22, 2024
As you requested, we
addressed this matter directly with ****** ******* on August 22, 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: 08/22/2024
Complaint: ********
I am rejecting this response because:
I have not received any letter or anything telling me why my account was unfairly closed . These fraudulent employees told me to send in my i.d and social and check stub notarized and as I found out it was not needed or requested by fnbo it was just a fraudulent employee stealing people's identity. This is a fraudulent and racist company
Sincerely,
****** *******Initial Complaint
Date:08/01/2024
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 card is affiliated with the ****** Rewards program. However, it is among the most unsatisfactory cards I have encountered. Their banking system is markedly outdated, leading to erroneous charges and the double charges they make. Moreover, the customer service representatives lack the proficiency to address customer inquiries effectively.Business Response
Date: 08/15/2024
August 15, 2024
As you requested, we
addressed this matter directly with ****** ************** on August 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: 08/15/2024
Complaint: ********
I am rejecting this response because: I have not received the letter. I haven’t had them call me to apologize for the delay. I had to call the merchant to refund the money. They actually did zero work.Amtrak should no longer use this card to attract customers as I am genuinely scared to use the card because of how the card will erroneously charge you. This doesn’t happen with **** ** ****.
Sincerely,
****** **************Initial Complaint
Date:07/27/2024
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.
****************** co. Scammed blains fnbo credit card $29.90 want refund plus interest chargesBusiness Response
Date: 08/13/2024
August 13, 2024
As you requested, we
addressed this matter directly with *** ********* on August 13, 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:07/26/2024
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.
I applied and received a ********* ******* **** credit card with a $99.00 annual fee from FNBO. As an incentive on *****************************, FNBO offered a $300.00 statement credit for the Plus card. It also has a $99.00 annual fee. The credit was available after spending $1,000.00. I received card and spent over $1,600.00. When I received my statement, there was a $100 credit. I spent 38 minutes on phone with customer service. They told me that I probably clicked the wrong banner or applied for a different offer. I explained there was no other offer. In fact, if I would have chosen the card without the fee, I would have received a $150.00 credit. Because I chose the upgraded card, I only really received $1.00 because there is a $99.00 fee. Customer service said there was nothing they could do. I really just want the extra $200.00 promised on the link. The link is still advertised on the website. This feels like a bait and switch.Business Response
Date: 08/13/2024
August 13, 2024
As you requested, we
addressed this matter directly with ******** ******** on August 13, 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:07/26/2024
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.
Went mexico from the 3rd to the 8th of July! Charged fraudulent 2x times after a purchase was made from a company the purchase came from. Capital one and all investigations came back unauthorized. Got back to Omaha saw they Charged my bank First National another time when I got home the night of the 8th. Originally purchase of 97 dollars then recharged for nothing at all and was not present for the transaction and was found that I was there or my card was present when this fraudulent charge was made! Not the answer or the response I needed to hear from my bank!! Not only do I tell then I didn't do it and wasn't there the are still tryna to see what can be done!! No I called reported fraud and no I got to suck it up No . I will not bank with a bank and allow them to allow others to take from my account because I bought something there before. So I guess what first national bank I saying as long as ypu made a purchase they can keep charging you no matter what. Now make this make sense to me!? Please and thank you cause I'm q very understanding person.Business Response
Date: 08/13/2024
August 13, 2024
As you requested, we
addressed this matter directly with ******* ****** on Date 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: 08/14/2024
Complaint: ********
I am rejecting this response because:
The company is supposed to be reaching back out to me. I want to keep this open at this time.
Sincerely,
******* ******Initial Complaint
Date:07/22/2024
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.
My Credit Card was transferred to FNBO through an acquisition of elan financial services. I had a CC that received 1.5 percent cashback. I received notice that I’d be issued new card and would be serviced through FNBO. Only to find out after the change that FNBO Devalued The redemption points. They are still giving you 1.5 points back per dollar spent but it no longer holds the same cash back value and requires 30percent more points with their rewards program. I feel very deceived as I would have cashed in my rewards before the transition.Business Response
Date: 08/07/2024
Hello,
We are currently still
completing our investigation in regard to the customer’s complaint. We
apologize that we are unable to complete our investigation and respond within
the timeframe provided. However, a response of our investigation and resolution
of the complaint will be provided within 60 days of the initial complaint, Friday,
September 20, 2024.****** **
Corporate Compliance - Complaint Resolutions, FNBO
CC: Consumer Financial Protection BureauInitial Complaint
Date:06/20/2024
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.
Long Story Short:
I made a payment to the FNBO office in Omaha NE on May 2, 2024 in the amount of $140.00 in the form of a Western Union Cashier's Check.
The FNBO courier who picks up and delivers the payments, LOST my $140.00 Western Union Check.
FNBO is refusing to do ANYTHING about this matter. The Customer Service Rep who I spoke to on June 20, 2024 stated and I quote:
"Payments and checks get lost sometimes. It happens to everyone. It has even happened to me.
FNBO understands that this is not YOUR fault, however, it is not OUR fault either. The courier lost the payment. Are you going to make ANOTHER $140.00 payment over the phone or via ANOTHER check? Otherwise, there is NOTHING that we can do."
Those were the rep's exact words.
These are UNFAIR BUSINESS practices and someone needs to be held accountable.
I have to get WESTERN UNION to refund the money, pay $15.00 in the process, and wait 30-40 business days to receive the refund.
In the meantime, I have to pay ANOTHER $140.00 to FNBO because of a problem that THEY CAUSED. I sent the money order in time with the expectations that the payment would be placed on my account. It did not happen and FNBO is doing NOTHING about the situation.
As I said, SOMEONE NEEDS TO BE HELD ACCOUNTABLE and IT SHOULD NOT BE ME. I would like for the BBB of Omaha to look into this matter and provide me with some qualified answers.
Answers that FNBO DID NOT PROVIDE ME WITH.
Please help me with this matter. Thank you and I look forward to hearing from someone in the BBB office.Business Response
Date: 07/02/2024
July 2, 2024
As you requested, we
addressed this matter directly with *********** ****** on July 2, 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:06/14/2024
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.
My wife, **** ** ***** had a fnbo account ****. She passed away on February 21, 2024 and their estate recovery sent a letter to her estate asking that the account be settled. They advised the estate that the account had been closed. I as her husband contacted estate recovery multiple times and spoke with ****** and ****. It was agreed that they would settle for $5,900.00. Even though I was not responsible for the unsecured debt, I agreed to pay this amount. This was done via check 177 and the check was cashed; it has been processed by my bank. (See check and letter included with the check. I asked for a written document signed by a corporate officer with corporate letter head stating that the account **** had been paid in full. This response was agreed by ****** of estate recovery via our last telephone call. Obviously, the bank has refused to comply. Thus, I am asking that if I do not receive this document, then they must reimburse me in this amount.Customer Answer
Date: 06/18/2024
Please cancel this complaint. The requested letter response regarding the closed account was received via USPS this date.
Issue closed. Thank you for your sincere and courteous assistance. It is appreciated.
Initial Complaint
Date:06/06/2024
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.
The credit bureaus keep disrespecting the law . I have showed them multiple times how they are violating the FAIR CREDIT REPORTING ACT .
According to 15 U.S.C § 1681s-2(a)(1)(A) and (B)to report “inaccurate information”
Please DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, and send the required notifications to all furnishers of this information.According to 15 USC § 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC § 1681b(1) the credit bureaus don’t have no written permission. According to 15 USC § 1681 have the right to privacy
According to 15 USC § 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors
According to 15 USC § 1681 I have the right to privacy
According to 15 USC § 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors
A person shall not furnish information relating to a consumer to any consumer reporting agency
(i) The person has been notified by the consumer, at the address specified by the person for such
Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate.
Inaccurate Information on my credit report is causing me financial distress
FNB OMAHA- Amount:$2606 Date: 10/1/2022 Acct#***************Business Response
Date: 06/18/2024
June 18, 2024
As you requested, we
addressed this matter directly with **** ********* on June 18, 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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