Reviews

This profile includes reviews 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) has 101 locations, listed below.

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  First National Bank of Omaha (FNBO)

  1620 Dodge St Omaha, NE 68102-1593

  
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  First National Bank of Omaha (FNBO)

  1501 N 84th St Lincoln, NE 68505-3117

  
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  First National Bank of Omaha (FNBO)

  102 S Locust St Glenwood, IA 51534-1775

  
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  First National Bank of Omaha (FNBO)

  1820 23rd St Columbus, NE 68601-3424

  
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  First National Bank of Omaha (FNBO)

  124 W 3rd St Alliance, NE 69301-3302

  

Review Details

• Review fromMike F.

  Date: 03/17/2023

  1 star

  Mike F.

  Date: 03/17/2023

  I took advantage 0% balance transfer offer from FNBO during the holidays. I read the fine print that said I would be charged interest on store purchases and that 0% balances would be paid before higher% balances. I had no balance on my account when initiated the transfer and stopped using the card. Then a purchase that I made in December was applied to my account in February. No explanation for the delay in applying the charge late. Customer service was nice but not helpful. The interest on the purchase was 26.24%. My guess is that is as high as the usury law allows. Needless to say, the 0% offer wasn't what it seemed to be. I paid the balance in full to avoid more predatory charges. I got involved with FNBO through at promotion at a retailer where I shop. Otherwise, I would avoid them.
  

  First National Bank of Omaha (FNBO)

  Date: 03/23/2023

  Mike, we are sorry to hear that our services do not meet your expectations and appreciate you taking the time to bring your concerns to our attention. Please keep in mind that balance transfers do not have a grace period and place your account in a revolving status. This means that any balances on the account at the time a balance transfer posts will begin to accrue interest at the applicable rate. Unfortunately, we are unable to review your purchases or other account history via this method of communication, but if you'd like to give us a call at 888-530-3626, one of our Specialists will be happy to help.

• Review fromS. D.

  Date: 03/14/2023

  1 star

  S. D.

  Date: 03/14/2023

  Deceptive, dysfunctional and bad customer service.
  I started a Sun Country FNBO credit card a couple years ago. About 6 months ago I was offered a 0% balance transfer option. I took them up on their offer. The next month I paid my bill 100% on current purchases and some extra for the balance transfer amount. The month after that I received a bill charging me interest I called Sun Country FNBO to ask why I was being charged interest. They said because I didn’t pay the balance 100%. I told them I did pay 100% except the balance transfer . I also told them I have done balance transfers with other banks and was never charged this interest as long as I paid 100% of what I charged the month previous After a discussion it was reasoned I shouldn’t of been charged. The next few months I was charged the interest but they credited me the next month. This month there was no credit even though I paid over what was put on there the month before. I ended up talking with an escalation support manager Jake, who was the rudest customer service representative I’ve ever dealt with. He decided I do need to pay the interest and I could not talk with his supervisor. I told him fine, I won’t use your card and get rid of it after the balance transfer is paid. He then tried goading me into closing the account This is a bank to avoid.
  

  First National Bank of Omaha (FNBO)

  Date: 03/16/2023

  Steve, we're sorry to hear that our services don't meet your expectations, and appreciate you taking the time to bring your concerns to our attention. Per the terms of the Cardmember Agreement, to avoid interest being charged on new purchases from the date they are made, the entire statement balance needs to be paid in full by the due date each month. If the statement balance is not paid in full each month, the balance is considered to be revolving, and any new purchases will be subject to interest. If you have any other questions, you can give us a call at 888-530-3626 and one of our Specialists will be happy to help.

• Review fromTony J

  Date: 03/08/2023

  1 star

  Tony J

  Date: 03/08/2023

  I opened a checking , account , and credit card as part of a promotion. The credit card application got declined because they couldn't verify my identity. I have opened several credit cards, checking accounts with various financial institutions over the years and this was the first time I ran into something like this. When I called to ask what they needed to verify my identity, they didn't have answer. They just wanted me to apply again, and get another credit enquiry. This is a terrible institution and I will be closing all my accounts with them, and stay away from them.
  

  First National Bank of Omaha (FNBO)

  Date: 03/13/2023

  Tony, we're sorry to hear that our services do not meet your expectations and appreciate you taking the time to bring your concerns to our attention. Unfortunately, this is not something we can look into further via this method of communication. If you give us a call at 800-652-5613, we'd be happy to see what the issue with the application was and advise of what steps may be available.

• Review fromWilla O

  Date: 03/06/2023

  1 star

  Willa O

  Date: 03/06/2023

  I've had the same credit card with FNBO for the last 10 years with the same address and same phone#. I've never been late for my payment and have never had any security issue with my card. Ever suddenly starting from last week, I was getting error message continuously when logging into my account stating 'Unfortunately, we are experiencing technical difficulties at this time. We apologize for any inconvenience this may cause you. Please try to access the site again later or call Customer Service for assistance.'. After a day or so, I was finally able to login, linked a bank account (with my own name), and scheduled my payment for my credit card bill. When I logged in again this morning, to my surprise, my newly linked bank account and my scheduled payment have disappeared. I re-linked my bank account and re-scheduled my payment the second time, and immediately called customer service. Although I answered all the verification questions correctly, the CSR insisted to text me for verification (which was never needed before). My text verification worked fine to access my online account right before talking to customer service, but for some reason the text verification from the CSR became a phone call to the same phone I was using and I was not able to switch over with call waiting. I could not ask the CSR on why my first scheduled payment disappeared and if my second scheduled payment will disappear again. After that, I tried to login in again, but I have been getting the same 'technical difficulty' error. 9 hours later I called customer service again. After answering all the verification questions, a rude CSR asked me to go to a bank and have my ID verified. She refused to tell me why and refused to help me with payment concern. I have a large payment due in 4 days. If my scheduled payment is cancelled by FNBO again, I will be charged by a large amount of interest. Is this a game FNBO plays to make money? I should not be liable for interest charge. This is a nightmare
  

  First National Bank of Omaha (FNBO)

  Date: 03/13/2023

  Willa, we're sorry to hear that our services do not meet your expectations. When scheduling a payment via your Online Banking profile, you are required to hit the 'Submit' button, and then click 'Confirm' on the next page to ensure that all the information listed is correctly. If the payment is not confirmed, the payment will not be scheduled. In some situations, when calling, additional verification may be required to help ensure the security of the account. If you have any additional questions or concerns, you can always give us a call at 888-530-3626.

• Review fromBelinda W

  Date: 03/04/2023

  1 star

  Belinda W

  Date: 03/04/2023

  Before BP switched from Synchrony to FNBO my account was set up for automatic drafts. After the switch, the automatic drafts did not happen and I did not know it until today when I received a letter stating the account had been closed. There is so much fraud, I wasn't sure if the letter was legitimate. The letter stated I could make a payment using the enclosed envelope and one was not included, so that made me suspicious, too. To verify, I called the number on the back of my card to check if I had outstanding past due charges and I did. I paid the card off in full right then and there and set the FNBO account up for automatic drafts going forward. After my call was transferred to the review department I was told the account had been closed and could not be reinstated. I have been a long time customer with BP and am very disappointed. I owed less than $200. I will not be using BP or FNBO again.
  

  First National Bank of Omaha (FNBO)

  Date: 03/13/2023

  Belinda, we're sorry to hear that our services do not meet your expectations, and appreciate you taking the time to bring your concerns to our attention. Prior to the conversion, packets were sent to BP credit card customers notifying them of the conversion and what would be happening. Part of this information did explain that customers would need to re-enroll in AutoPay after the conversion date. Unfortunately, if an account is closed due to non-payment, it cannot be re-opened. We apologize for any inconvenience this may cause. If you have any other questions or concerns, you can give us a call at 888-530-3626 and we'd be happy to help.

• Review fromJames R

  Date: 02/15/2023

  1 star

  James R

  Date: 02/15/2023

  I have a dispute and they tell me I have to wait for the fee to post before they do anything. They merely said call back in 2 to 3 business days and start the process over again. That included a 55 minute call wait. 35 minutes to reach fraudulent unit and 20 minutes waiting to speak to a supervisor. This is unacceptable, and you should stay away from this company. I have had success with **************** and ***********. Avoid this company.
  

  First National Bank of Omaha (FNBO)

  Date: 02/22/2023

  James, we're sorry to hear that the service you received did not meet your expectations and appreciate you taking the time to bring your concerns to our attention. At this time, we do not allow transactions to be disputed until they have fully posted to the account, because pending charges may be duplicated by the merchant, may be listed for the wrong amount, or may drop off before posting. The amount of time a charge remains pending is determined by the merchant, but a charge will typically post within 2 to 3 business days of the transaction date. If you are disputing a charge to an authorized merchant, and it has posted, you can give us a call at ************ or submit a secure message after logging into your account from our full website. If you are disputing a charge that you did not authorize, you can give us a call at ************.

• Review fromLuke O

  Date: 02/09/2023

  1 star

  Luke O

  Date: 02/09/2023

  I tried to pay my bill in full (it was only $49). It got kicked back for some reason. I possibly entered a number wrong in my account info. I asked about it and was told as much. I paid again and it went through on time. Then I got charged a $25 fee. When I asked about it the response was "well its our policy any time a payment gets kicked back". This company has ****** predatory policies and should be avoided at all costs.
  

  First National Bank of Omaha (FNBO)

  Date: 02/10/2023

  Luke, we're sorry to hear that our services do not meet your expectations, and appreciate you taking the time to bring your concerns to our attention. Per the terms of the Cardmember Agreement, a fee may be assessed if a payment is late, or if a payment is returned for any reason. However, if you would like to see what options we may have available for an assessed fee, you can always give us a call at ************ and one of our Specialists will be happy to help.

• Review fromDan W

  Date: 02/01/2023

  1 star

  Dan W

  Date: 02/01/2023

  They charged me over $600 in fees.. 31 times $15.00 Fee for a $2.00 lottery ticket that showed up as a charge. Lesson Learned.. .. don't subscribe on *********. Customer Service would not remove them.. and I quote 'It's in the fine print of your CC Agreement". **********.... there are much better Banks to do business with!
  

  First National Bank of Omaha (FNBO)

  Date: 02/09/2023

  Dan, we are sorry to hear that our services do not meet your expectations, and appreciate you taking the time to bring your concerns to our attention. Per the terms of the Cardmember Agreement, merchants that **** or ********** identify as a seller of travelers checks, foreign currency, money orders, wire transfers, lottery tickets, funds used for wagers or gambling, or other similar products and services are treated as Cash Advance transactions. Cash advance transactions receive a fee of 5% of the transaction amount, with a minimum fee amount of $15. Unfortunately, cash advance fees cannot be waived. We apologize for any inconvenience this may cause. If you have any additional questions about your account, please do not hesitate to give us a call at ************.

• Review fromHenry R

  Date: 01/20/2023

  1 star

  Henry R

  Date: 01/20/2023

  ************ they preapprove you than deny you...they make your credit score lower and it stays on your report for 2 years? thats wrong !
  

  First National Bank of Omaha (FNBO)

  Date: 01/20/2023

  Hank, we are sorry to hear that our services do not meet your expectations. Please keep in mind that pre-qualified offers have a message that states "You have been pre-qualified based on a soft inquiry check on your credit report. Once you apply, we will further evaluate your request, which will include a hard inquiry check. Your offer may be different or may not be available based on our additional evaluation of your application." Unfortunately, once a hard inquiry has been submitted for a credit card application, it will not be removed. Please also keep in mind, if a credit card application is declined, a letter is mailed with additional information about the decision, and you can give us a call at ************ if you have any questions about the factors on the letter or do not receive it.

  Henry R

  Date: 01/20/2023

  MY CREDIT SCORE WAS 738 i HAVE OUTSTANGING CREDIT NEVER A LATE AND MORE......THEY DID A hard pull ************...AND it needs to be removed OR WE WILL TAKE FURTHER ACTIONS ~!

• Review fromHitesh P

  Date: 01/18/2023

  1 star

  Hitesh P

  Date: 01/18/2023

  I paid my balance off with ************ prior to FNBO taking over the ** account back in May 2022. When they took over I still had a $620.01. balance on my new bill when it was paid prior to the take over. I have been dealing with this since May. I have sent proof of payment multiple times to FNBO, but somehow they never get it when I was told that Lynn in accounting did receive it. We were told on 11/25/22 and again on 12/19/22 that they were writing everything off and they would clear the credit report for this. It is now 1/18/2023 and still nothing and it is hurting my credit report. I can't even count how many times I have called to deal with this matter. This last person Jennifer employee ID Y250 was rude and wouldn't transfer me or help with this. WORST PLACE EVER!!!!
  

  First National Bank of Omaha (FNBO)

  Date: 01/20/2023

  We are very sorry to hear about your experience, and would like to assist you with resolving the issue of the missing payment. So that we can review what the status of the account is, and what steps are necessary to locate the payment, can you give us a call at ************?