FNBO

I received a pre-approved offer. "Select few" I called customer service 3 times with questions. Never finished the application. After reading these reviews I'm so glad I hung up. What kind of a company reduces credit limit? That's so shady. WHEN YOU'RE APPROVED FOR AN AMOUNT THAT AMOUNT DOES NOT CHANGE! That's so unbelievable to me. Disgusting. I would NEVER do business with a company like that. I just shredded the letter. Thank you all for posting your reviews.

I took out an FNBO credit card through Northern Tool at the end of 2021. My wife used it to make some online purchases. The card got saved into her Google account. In early January, 2022 I got a call from FNBO asking if I was making purchases of any Google products to which I told her no after asking my wife. The FNBO representative only said there were more than a few. When my January statement came there were upwards of 120 Google charges for over $1800. I call the fraud department twice and they denied my claim citing proof that I participated in the transaction. The only other possibility I could come up with was that my 3 year old must have hit every download button he found while he was on the computer in December before we noticed on our January statement.

I filled out an application for a FNBO credit card and was rejected due to "identifying information does not verify". I have near-perfect credit (820'). Their customer service is bad and uncaring. Why do business with someone that does not want it? I have no idea how they make money. I have other cards and don't need this one, I should have done more research before even applying but the bonus and cashback lured me in. Stay away.

I requested to our mortgage lender (FNBO) to remove PMI, based on the value of the home. I ordered an appraisal on 2/8/22. Between the date of ordering and 3/15/22, I followed up 6 times. Both by phone and email. The person in charge of this process at the bank, First National Bank of Omaha (FNBO), is named Miranda Nightengale. She responded each time that she only orders the appraisal, and has no control. After trying to get a resolution for 5 weeks, she told me “it’s not really a problem because if it’s approved, we’ll retro this to when you asked, and credit the PMI back.”

Was approved for business credit card for 15k. I have very good personal credit and business credit. My account was always paid on time. Next thing I know my credit limit was decreased to 3k. I called and spoke to a very rude woman who told me they did not like the way a company Fund & Grow did business so, they reduced my credit line. She didn't make any sense. I paid off any outstanding balance while on the phone with her and closed the account. As a business owner if my employee had spoke to a customer like she spoke to me they would be TERMINATED!!!! Also, it lets me know a lot about the company and what they think of their customers. ANY GOOD BUSINESS KNOWS YOUR EMPLOYEE'S ATTITUDE IS A REFLECTION OF YOUR COMPANY VALUES!!!!

It is certainly a Trap and a well made Trap. FNBO gave me an over $10K Credit line. Used only about 30% of it over 5+ months and then out of the blue they cut my Credit by 70% to just within a hair of the balance pending. They blamed FICO for the credit line change when in fact nothing has changed on my credit score or usage. This is more than likely a bait and switch trick to get people signed up then hurt their Credit Scores to prevent them from leaving. I will certainly pay it off and never use it again. Even the so called Ford Perks of $200+ was wiped out. Very Highly Dishonest.

Essentially my wife opened this account and recently changed it to auto-pay, and on the first deduction they pulled 2 payments at one time. Instead of immediately correcting their mistake we are having to jump thru hoops to get the money back and now they want us to wait an additional 10 days for the money due to their error! I’m thinking now this loan through this company was a mistake.

I was pre-screened for their MasterCard, but when I applied with a 'very good' rating, which became just 'good' after the application, I was declined. First of all, unlike other banks, they pull a hard inquiry to see whether you're pre-approved, which hurts your credit score. Secondly, they do not give you a response immediately. Thirdly, when they eventually send you an email, instead of giving you the decision, it redirects you to their website which can't find your application (nor can their automated phone assistant do the trick), so you have to call their customer service to find out the response. The worst experience ever! So, if you receive a letter from FNBO, think twice before applying. Don't hurt your score for nothing! All their systems (including pre-screening and status checks, whether via the internet or phone) appear to be completely out of wack!

This bank is keep lowering my credit limit, and I don't even use the card. Never been late with payments. Almost every 6 months they lowering my credit limit close to the balance. Therefore my credit score is dropping because it shows 90% of credit utilization. It is called "Chasing the Balance". If they would not do what they doing with my credit utilization would be below 50% now with this bank.

I applied for their personal credit card on 1/17/22 and was approved for $14,000... Was informed I would receive my card in 7-10 Days. 2/03 I called due to a fraud letter... I verified with them only to get another fraud letter....Smdh....Called again on 3/04 to find out what was the problem now only to discover they failed to push 1 button to clear this mess up...Will Fed Ex card which is to arrive on 3/09... Not the punch line yet.... I have the Fed Ex app which tracks your packages only to get another message saying sender has put a stop on my card now a 3rd time....I will be calling in the morning to tell them to keep it...I have more than enough credit cards....They are the worse company to date I have encountered....