First National Bank of Omaha

Company : First National Bank of Omaha ( FNBO ) Product : Credit Card Issue : Credit balance refund not issued Complaint : I am filing a complaint regarding a delayed credit balance refund on my credit card account with First National Bank of Omaha. On XX/XX/year>, I requested a refund of a credit balance in the amount of {$11000.00} resulting from an overpayment on my account. Despite this request, I have not received the refund. I have contacted the company again and was told that there is a high volume of requests, but no specific timeline or resolution has been provided. It has now been over XXXX days since my request, which is an unreasonable delay for a credit balance refund. I am requesting that FNBO immediately process and issue the full refund of {$11000.00} via ACH, and provide confirmation of the refund. I would also like confirmation that this issue has been resolved.

I opened the card while at XXXX XXXX and entering the park. I was offered a promotion in which is would receive {$150.00} statement credit if I spent {$500.00} within the first 30 or more days. I used the card in excess of {$500.00} in the first 30days and only received a credit of {$100.00}. I called and inquired as to why I did not receive the full {$150.00} credit and was told they would research and call me back. I called two more times after that because no one called me back. I am now approaching 30 days past due because they refuse to honor the promotion. I attached a screenshot from the FNBO website showing the promotion as well.

In an effort to build my credit towards the goal of home ownership, I signed up for a credit card with this company in or about the year XXXXBack then their websites had many issues and was very hard to navigate, login etc.I setup autopay and verified that it was noted on the payment screen. After using the card and accruing a balance I did receive monthly communications from FNBO about my monthly statement and payment reminders. The reminder email only said 'if you have already made a payment please disregard this notice ' I disregarded the notice because I had setup autopay. Fast forward to the next month where they reduced my credit limit and slapped my credit report with a delinquent notice dropping my score XXXX points and destroying my progress and work towards home ownership. I called to rectify this with FNBO and they told me my autopay was setup but it takes 30 days to activate and would work on the next billing cycle.…

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On XX/XX/year> Initiated payment toward credit card on First National Bank of Omaha online banking. {$650.00} from Checking account at XXXX XXXX to FNBO. XXXX XXXX XXXX XXXX notified me of pending payment of {$25000.00} - the credit card BALANCE amount. I called FNBO Card Services and was told the payment would be returned and all would straighten out within XXXX days. The same amount has now been presented to my bank for payment FOUR times. XXXX XXXX rejected it because I had to file a Dispute to get the bank accounts cleared. I have called multiple times, last two talking to an Escalation Dispute XXXX, XXXX, who had assured me on XXXX XXXX XXXX XXXX that it would not be presented again ( it had been presented XX/XX/year>, XX/XX/year> and XX/XX/year> ). When I called again XX/XX/year>, she had no answers, had not looked at since last time I called, and could not reach accounting department.…

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In XX/XX/year>, I opened a XXXX credit card through First National Bank of Omaha. I made a purchase at XXXX in the amount of {$380.00}. About a month later in XX/XX/year>, I reported to the company that I had not yet received documentation for the account, including that I had not received a statement. I was under contract on the sale of my home, and was required by my lendor to provide copies of statements for this account. I reported to the company I had not received anything, and requested that I receive a copy of the statement rushed to my email, to avoid a delay in closing on a home loan. I received a copy of the statement by email. Due to the issues with receiving initial documentation and the lack of care by customer service when calling to obtain that documentation, I decided to pay the account in full and close it.…

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On XX/XX/year> I purchased {$25.00} worth of gas at a XXXX located at XXXX XXXX XXXX XXXX XXXX, NY. When I received my Credit Card bill there were charges in the amount of {$25.00} and {$26.00} made on the same date. I only purchased {$25.00} of gas in the am and was provided with a receipt which had no date or time. I disputed the bill and was advised that I should go to the gas station to dispute the additional charge. Subsequently, I was advised that XXXX had submitted proof to the company that I had made a second purchase there that day in the evening. I never made another purchase there on the same day. The only time I was there was during the day. I do remember that there were problems with the pumps that day and that I needed to go into the store to make the purchase. I believe that I was erroneously charged for a purchase that day which was never made.

In XX/XX/XXXX, I applied for a credit card at XXXX XXXX in XXXX with a representative assisting me in person. During the application process, I was not informed that the card included an annual fee for the first year. At the time of application, I specifically told the representative that the address on my drivers license was not a valid mailing address for me and that I do not receive mail there. Despite this, the representative used that address and did not enter my correct mailing address. As a result, I never received the original credit card or any related billing statements. In XX/XX/XXXX, I contacted FNBO to report that I had not received the card. I was told that the original account would be closed, a new card would be issued, and that no balance was due. A replacement card was then sent to the correct address and received in XX/XX/XXXX. I did not activate the replacement card until XX/XX/XXXX.…

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I lost my job in XXXX of XXXX. When I regained employment a few months later I was falling behind already on many obligations. The new job pays half of what I used to earn for many years. The credit card was maxed out at {$10000.00}. I did not pay anything in XXXX, XXXX or XXXX of XXXX. In XXXX of XXXX I missed the payment due date ( XX/XX/XXXX ). On XX/XX/XXXX I made a partial payment of {$50.00}. I was unable to pay anything XXXX or XXXX of XXXX. XX/XX/XXXX, I sent a partial payment of {$25.00}. This entire time, I'm barely chipping away at late fees and accrued interest of course. XX/XX/XXXX of XXXX, I used my entire tax refund and made a payment of {$2700.00}. As of today, XX/XX/XXXX when I log into the app, it shows the balance is now {$9900.00}. It shows my payment due is {$340.00} and it's due XX/XX/XXXX of XXXX. It also says my credit limit is {$10000.00} My available credit is {$0.00}. I called them on XX/XX/XXXX and I was told my account was closed.…

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I had my account open with first national bank of omaha is XXXX of XXXX, Later in XXXX of XXXX, FNBO closed my account and reported in XXXX XXXX with negative comments and outstanding balance of {$3500.00}. I tried communicating with the bank but no response or any sort of explanation. Now i am not able to open any personal or business account until this is taken care of.

On XX/XX/year> around XXXX I attempted to deposit money via the atm. First round it spit out all my money. So I got XXXX crisp {$100.00} bills and deposited them just fine. It then asked if I would like to deposit more. I said yes. I attempted to deposit another {$300.00} of various different bills. The machine jammed and spit my money out. This time it only spit out {$290.00}. At this point the ATM is lagging and I can hear the deposit machine running but not sending any more money out. Eventually, the ATM seems to malfunction and tells me the ATM is no longer working. I wait a few minutes to see if it comes back up or if it will spit out my {$900.00} remaining dollars. It never does. I go to a different FNBO ATM to deposit the {$290.00} XXXX received back from the first ATM. I filled a complaint on XX/XX/year> and on XX/XX/year> received an email stating my dispute has been denied because we are unable to locate a deposit being made using the card associated with your dispute.

on XX/XX/year> I was trying to pay my first nationaXXXX XXXX XXXX XXXX credit card. I opened a home equity loan from my bank named XXXX XXXX. The loan was supposed to pay my credit card balance however it didn't happen and I went to my branch to try to take care of it. The bank tried to help me by calling credit card company and they hung up on me. I was upset because they hung up on me and my payment was late. I drove home from the bank and called the First National Bank of Omaha again with my cell phone since I don't have a landline anymore. As I talked to one credit card rep she asked for my password and I couldn't remember it because I was flustered. My wife then located our password and they verified it was me. However this is where I find out the XXXX rep had blocked me from my account from the first initial call from my bank. At this point I am beyond upset and confused. They XXXX rep asked for me to send my driver 's license front and back plus a photo of my face.…

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I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related

I applied for a XXXX XXXX XXXX rewards credit card by FNBO, based on the advertising of {$250.00} cash back bonus after 3 months of use and 10 percent off food and merchandise within the XXXX XXXX resort. I applied for the card on the XXXX XXXX site and purchased tickets and hotel using that card. The card came in the mail, and a few days later, the day before I was going to XXXX, I get a letter stating my account has been closed. I called to see what the issue was as I was disappointed I would not be able to take advantage of the food and merchandise discounts without an active card. I called and was told it was closed due to fraud, but I explained there were no fraudulent charges on the card, only one charge and I made that. They would not explain to me why it was closed for fraud but told me to reapply. I reapplied but was denied even though i have an XXXX credit score. I called back, was told I was denied because I had applied multiple times.…

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I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card by FNB OMAHA - ( PARTIAL ACCOUNT NO : XXXXXXXX ) was opened under my name without my knowledge and I am asking to FNB OMAHA creditor and Experian credit reporting agency block and delete this fraudulent account from my credit report but they refused to help me. It is a fraudulent account.

On XX/XX/year>, I visited a car dealership in the XXXX, New York, called XXXX. I checked my credit to determine if I could secure a car loan, but the owner informed me that the approval process would be lengthy, so I decided to leave for a few hours. When he called me back, he confirmed that I had been approved for the loan without any issues. Over the next few months, I received a letter in the mail from a credit card company called FNB of XXXX. The letter stated that I had an overdue balance. Confused, I contacted the bank to inquire about the overdue balance. They explained that the letter indicated that I had used the credit card I was approved for to purchase a car, but I had never actually applied for the credit card. I informed the representative that I had not applied for the loan, but they assured me that there was nothing they could do about it and that I would have to repay the debt regardless.…

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I applied for a loan FNBO XXXX XXXX XXXX personal loan ) .which was within the company 's 45-day satisfaction guarantee period, I sent a formal request via email to cancel the loan application and stop any future withdrawals. Despite my timely cancellation request, the company proceeded to make an unauthorized withdrawal of {$490.00} from my bank account on [ XX/XX/scrub>XXXX/2026. I never received the loan funds from the company it was just in the account which they created. I have contacted the company multiple times since the withdrawal to demand a full refund and confirmation of cancellation. They have failed to provide a refund and have only sent generic responses stating they are 'working on it. ' As of today, my money has not been returned, and the company has not confirmed that the loan is cancelled.

I opened this account at Scheels on XX/XX/29 to get a discount on a coat. I asked to close it before the end of XXXX, and they said yes as long as after the XXXX. When I went to close it on the XXXX I saw a {$1.00} charge from XXXX on the XXXX. I have a reoccurring {$1.00} charge on my primary card for this so assumed it accidentally went to this card somehow. So, I paid it and called to close the account. I was assured it would be closed so I never looked back. I then saw my credit score dropping and couldn't figure out why. I looked at my bank, and it said there was a dispute from FNBO for a {$7.00} charge due to interest from a {$1.00} charge on XXXX. I didn't even recognize the bank because I only had the Scheels card for a month- so if they sent me an email it likely went to spam.…

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First National Bank of Omaha ( FNBO ) issued me XXXX XXXX XXXX XXXX XXXXhat always gives XXXX points for purchases considered TRAVEL. On XX/XX/year>, I made a purchase from XXXX for {$210.00} charging it on my FNBO card. FNBO did not give me the XXXX points, only XXXX. When I inquired FNBO customer representative XXXX stated that XXXX was listed by FNBO as a TRANSPORTATION ORGANIZATION, but was not considered to be TRAVEL. This makes no sense at all. Furthermore, XXXX is a business organization that exclusively deals with travel, such as auto/driver membership, mass transit tickets, hotel reservations, auto rentals, boat cruises, etc. In this case, TRANSPORTATION should = TRAVEL.

On XX/XX/2026, I contacted the creditor and requested account statements for a closed account. I was told the statements would be emailed to me within XXXX hours. I did not receive the statements or any follow-up communication. This information is necessary for my personal financial records and to verify the accuracy of any prior reporting related to this account. On XX/XX/2026, I called again and was informed that my request had been denied because a XXXX had previously been issued. I again requested account statements and transaction history for the closed account. During this call, the creditor confirmed that account records exist but refused to provide any documentation. They stated that because a XXXX was issued, they are not allowed to send any documents other than the XXXX, citing guidelines from the Internal Revenue Service. They also stated that providing statements would be like collecting a debt, and therefore they would not provide them.…

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I am writing to formally notify you that the FNBO account currently being reported under my name is fraudulent and was opened without my knowledge or authorization. I have never opened or authorized any account with FNBO This account is the result of identity theft I have filed an official Identity Theft Report with the Federal Trade Commission. Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681s-2, you are required to remove any information resulting from identity theft from my credit file. I demand the immediate removal of this fraudulent account from all credit reporting agencies. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau and pursue all available legal remedies.

First National Bank of Omaha ( FNBO ) Pay with Points Feature History : XXXX at one time had a Credit Card administered by FNBO. XXXX and FNBO parted company and XXXX switched to XXXX XXXX for administration of their XXXX Credit Card. FNBO issued me a VISA Card to with the FNBO logo on it. NO problems until the below date. XX/XX/XXXX : Today I notice on my last statement, Rewards Points had been redeemed. Checking all Statements since XX/XX/XXXX, points had been redeemed every month After two phone calls to FNBO, I found out that the credit XXXX had been giving me at checkout had been my FNBO points unbeknown to me with a Service Fee of {$2.00}. I thought that XXXX was giving me a credit for being a good customer. Last year on XX/XX/XXXX, I redeemed XXXX points for a statement credit of {$670.00}.…

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.My complaint is with First National Bank of Omaho ( FNBO ). I have asked on many occassions to not store my method of credit card payment. I have recordings of a FNBO rep telling me that there is no store method of payment. Test it the next day by trying to make a payment and it was still stored.I have no problem entering the account information each time. Since FNBO is a financial institution, they are more likely to be hacked. I'm asking not to store my method of payment which is every month.

I am filing a complaint against First National Bank of Omaha ( FNBO ) regarding an unauthorized transaction on a closed credit card account. Transaction details : Posted Date : XX/XX/year> Purchase Date : XX/XX/year> Description : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Amount : {$2800.00} I did not authorize this transaction and have reported it to FNBO. However, FNBO has stated that they do not provide a formal dispute form and has not provided a clear written method to submit my dispute, despite my request. Under the Fair Credit Billing Act, I understand that I have the right to dispute unauthorized charges and to have my claim properly investigated. FNBOs failure to provide a formal dispute process or accept a written dispute is preventing me from exercising my rights.…

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I am submitting this complaint as a new-development update regarding First National Bank of Omahas continued refusal to correct the harm caused by a credit limit reduction that followed my complaint activity and arbitration demand. On XX/XX/year>, I filed a complaint challenging the companys conduct. On XX/XX/year>, I filed an arbitration demand with the XXXX XXXX XXXX under the arbitration provisions the company required in its cardmember agreement. After that demand was filed, on XX/XX/year>, the company reduced the credit limit on a second credit card account. That reduction closely followed my complaint activity and arbitration demand. On XX/XX/year>, XXXX declined to administer the arbitration because the company failed to comply with XXXX consumer requirements and/or had removed itself from the Consumer Clause Registry.…

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Prior to checking into XXXX XXXX, I was informed by their Sales Coordinator- XXXX XXXX XXXX their nightly rate was {$110.00}. I stayed XXXX nights, and my total rate should have been {$670.00} ( {$110.00} * XXXX ). But XXXX overcharged me by {$580.00} and provided a fraudulent invoice of {$1200.00}, at an effective rate of {$200.00} per night which was not what was agreed to prior to checking in. As soon as this overcharge was placed on my FNBO card, FNBO was notified immediately of this {$580.00} theft by XXXX, and yet, FNBO has remained complicit in XXXX 's fraudulent activity and has refused to claw back this {$580.00} while also refusing to have this matter decided by an arbitrator even though their self-serving consumer agreement contract contains an arbitration provision. I paid the entire balance on the FNBO card except for the stolen funds which FNBO should have disputed and clawed back, but unfortunately, remains unresolved, hence, the filing of this complaint.

The balance on my last statement- XX/XX/year>- was {$25.00}. Payment was due XX/XX/XXXX. On XX/XX/XXXX my account was credited {$25.00} On XX/XX/XXXX my account was credited {$0.00}. Thus, by XX/XX/XXXX the previous balance was paid in full, with a balance due of {$0.00}. Yet, on XX/XX/XXXX, the bank sent me an email stating " Payment Not Received by Due Date ''. This is WRONG. The bank intentionally did this so that it can ILLEGALLY add late fees and interest.

On XXXX I purchased a XXXX XXXX monitor through XXXX. On XXXX I returned the purchase in accordance with XXXX requirements. To date XXXX refuses to refund even though a ) they promised first without sales tax. b ) Then a refund with sales tax as the state of Florida stated that in fact sales tax is state property and must be returned to the customer. c ) Now FNBO has investigators who lack investigation skills as they only understand the XXXX XXXX refund receipt but can not read the XXXX promises and State of Florida sales tax statement.

Had an account with FNBO XXXX credit card. Had a parking charge dispute that never got resolved. I paid account off and closed the account. 30-60 days later I applied again. Received denial email. Called and was told because i already have an account. Explained I closed month or 2 ago. Then was told I couldn't apply again for 18 mos. Asked for the policy pertaining, was denied to see policy. Transferred to Supervisor who told me I was denied because they only go by account opening dates and Never close date. None of the reasons make any sense to me.

After I used my card and having been using my debit card without issue from my FNBO checking account. Randomly with no warning on XX/XX/year> FNBO freezes my entire account so I can not access any of my money or make any transactions. This has already happened before just a few months ago and I filed a complaint in XXXX XX/XX/year>. FNBO randomly freezing my account with no prior warning is completely unacceptable especially now this is the second time.

I requested to consolidate XXXX credit card accounts. FNBO accepted and gave me a balance with autopay. They paid one of the accounts off digitally and sent XXXX checks to a wrong address. They just auto-billed me for the full amount of the consolidation and I still have the XXXX cc accounts that were not paid down. Now I have to pay double the payments, or it negatively affects my credit. They expected me to receive the checks and take them to my cc company? They wanted me to solve their mistake, and now I am being billed interest on both the consolidation and XXXX card accounts that they did not resolve or pay off. Their communication and customer service in real time was absolutely horrible.

This follows CFPB Complaint No. XXXX, closed without resolution. FNBO is retaining {$34000.00} of my funds in violation of Regulation XX/XX/XXXX XXXX ( a ), which requires creditors to refund credit balances within XXXX business days of a written request. UNDISPUTED FACTS ( ADMITTED BY FNBO IN ITS XX/XX/XXXX CFPB RESPONSE ) : In XXXX, FNBO accepted and posted XXXX check payments to my credit card account : {$11000.00} on XX/XX/XXXX ( Capital XXXX Check # XXXX ) and {$22000.00} on XX/XX/XXXX ( Bank XXXX XXXX XXXX # XXXX ). Both checks were made payable to my credit card account number. On XX/XX/XXXX, FNBO reversed both payments. FNBO admits it was unable to return [ the funds ] to the originating banks due to insufficient return address information on the physical checks. The funds were never returned. FNBO kept them. In XX/XX/XXXX, I personally paid the full reinstated balance of {$110000.00}, fully satisfying the debt.…

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purchased a plan for my new car XXXX or so cancelled plan i was issued a credit to card XXXX or so with a credit ballance i asked them to mail me a check ITS BEEN OVER A MONTH THEY TOLD ME LAST WEEK IT WOULD BE MAILED TODAY THEY TOLD ME ITS BEING LOOKED ITTO BY FRAUD DEPARTMANT IT WILL TAKE XXXX MOREEEEEEEE HRS BEFOT A CHECK GETS MAILED OUT THAN 7 TO 14 DAYS TO MAIL CHECK I WANT IT OVERNIGHTED AND INTREST I SPOKE TO XXXX AND XXXX

I have had this credit card for over XXXX years. For a period of time this XXXX XXXX I did not even use the card for several months. When I did use the card I paid off the monthly balance in full. This past month I inadvertently forgot to make my payment. I immediately made a payment and not only paid the payment I forgot I also paid the entire card off. I then received an email stating that my credit limit had been reduced from XXXX to XXXX.I take my credit seriously and I had bought a house XXXX years ago that the seller failed to disclose honestly. I am in the process of starting litigation. I have requested that this account be closed and because of my interactions with them recently and their behavior I no longer trust them to handle themselves appropriately. I need the information to be reported to the agency to reflect that I voluntarily closed this account and that there was no delinquency as there never has been.…

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I made a large purchase recently and shortly thereafter, my card was locked. I submitted all documentation requested ( license, tax return, and social security card ). Since my card was locked, I was not able to cash out the {$460.00} in rewards that had posted to my account. I was told that I had to wait until XXXX unlocked my account. Well, XXXX ended up closing my account and all my points were forfeited. I had no chance at all to redeem the rewards that I rightfully earned.

The collection agency XXXX XXXX statement that I am not paying my debt is not accurate. The account owed was to the creditor First National Bank of Omaha and has reached a payment settlement agreement with my debt settlement company XXXXXX/XX/XXXX and is currently being paid every month since XX/XX/year>2025. I hired them to settle my debts and started paying as of XX/XX/year>2025. They have reached an Agreement with First National Bank of Omaha to settle the amount owed. The Collection company was never hired by First National Bank of Omaha as they just bought the information on my debt from a listing company.