First National Bank of Omaha

I always paid my balance with this card, opened in 2016, never used more than 30% of my credit limit, no late payments on ANY of my accounts in over 6 years. My credit score dropped to 638 due to recent credit activity when I received a home loan (temporary drop I was made aware of in advance) and this FNB of Omaha closed my account. Experian shows closed 04/17/18 and Equifax shows closed 04/01/18, BEFORE I closed on the purchase of my new home. I have yet to receive the letter of notification of account closure they claim to have sent.

I closed my account today 4/15/2018. The method of charging interest is a complete mysterious to me. For example. Supposedly, I was to get a 5.99 interest rate. However, in an attempt to pay off the account - My statement and a phone call to the customer service number indicated I had a balance of $271.00. I sent the entire amount. I called to confirm they received the payment. To my surprise, there was a balance of $27.71. I sent the $28.00. I called a third time to see if the $28.00 was received.

I had a dispute with a vendor over being charged for services not performed. I asked the credit card to put a hold on the payment. If I felt the card company had actually tried to help resolve my dispute I would not be writing this, but it was as if they predetermined to accept the vendor's claims and ignore mine. They put the charge through. Luckily I was able to resolve my situation through the Attorney General Consumer Frauds office.

First National Bank of Omaha Gouges Customers - I was told in December of 2017 that purchases made at any store would hold a 0% interest rate until June of 2018. My wife and I used the card for most of our Christmas purchases based on this information to the tune of around $1,100. I just received my most up to date bill and found that I am paying 20+% interest on the very purchases I was told would be 0%. I called the customer service and was told there was nothing they could do about the issue other than lower my rate to 17.99%. I asked to hear the recorded conversation between myself and their representative and they said they could not allow that and that I would have to get a subpoena for that to happen. I recommend not using this institution for purchases, as I certainly won't in the future.

Horrible card, fees upon fees upon fees even when it's their fault. I made a payment which came back Account not found. I called them and corrected the account number, then processed the payment again. Came back account not found... twice. Called them again. Corrected the account number for billing purposes and had the rude lady read the numbers back to me and told her to take my payment over the phone... at this point they already closed the account because they could not bill me because it kept saying account not found... They got me for $90 in fees. DO NOT USE THIS BANK FOR YOUR CREDIT CARD NEEDS.

I received my cc balance of $2900.00 which included $56.00 of interest because I did not pay off the balance in full from the previous month. So I paid off the whole balance and guess what? The following month I still had a $51.00 interest payment even though I had paid off the entire balance the month before. WTF? That's just outrageous. My other credit card companies do not do this. I am definitely going to cancel this card.

I paid this credit card bank in full and looked online and saw a zero balance, I received a email 2 days later stating I owe $132.69, I called and told them I paid this balance in full and it showed a zero balance. They told me I had what is called "tail end finance charge", they would not remove it, I ended up paying the 132.69. After getting email, l did look at the account online, it showed the 132.69, but payment was $130.00, I guess so they could charge me interest the next month on $2.69, so sad, just a RIP OFF Credit Company, lesson learned. Never Used Them again...

I had nothing but trouble from the beginning. I set up automatic withdrawal THREE times before it went through. When it finally did, payment wasn't withdrawn the first month, so I manually paid online. There was notification that it might take 2 months, as with everything I've ever set up automatic payments for--but it never has taken 2 month on anything else. Ever. This month, I decided to check my account on the day payment was due, and a) No payment had been made, b) Showed "no payment is pending," c) Showed an amount. It was in the evening of the payment due date, so I paid online, as Customer Service was not available, and I did not want late fees and late payment showing up on my credit score.

This bank is totally overcharging the consumers!!! I had a MasterCard with them. Got my bill, paid it in full. Once the payment had posted and my account showed a zero balance I called and closed my account. Now I get another bill for $46. When I called they refused to credit my account. Someone needs to take a class action against them and their sister bank First National Bank of Omaha. I asked for the supervisor. They switched me over and conveniently they don't give out names. These banks are making a killing off of consumers!!!

I had the NRA Visa and paid account off in full, a few months later I get a bill for interest. I called and the lady was rude and cut me off while I was trying to speak, she basically said since I didn't pay off my bill every time I had unpaid interest which makes no sense since I "Paid Account in full". I guess there was interest hiding in a corner somewhere or something. This wasn't the first problem I had with them, stay away. They are crooks and will keep charging you with a $0.00 balance.

I had a M life Rewards Mastercard with them. First thing, I had a difficult time to log into their website because of the password policies they have. Second, once I log in I could not pay or do anything with my card because they suspect my card. I called customer service, entered complete cc no on the IVR and last 4 of my social too.

Horrible... no mercy. I was in an accident and all my credit cards went into charge off. Capital One reinstated my cards. Barclays card still closed the account after I paid but removed all of the bad credit histories. This card, I got a condescending attitude... no mercy regarding what happened to me even after I said I would pay in full so why pay if I am going to have to deal with it anyway. Stay AWAY!!!

FNBO has the worst online banking services... period! Its online platform is the polar opposite of user-friendly. It is impossible to find basic online banking services, such as transferring funds from FNBO to another bank. I can't disentangle myself from this poor excuse of bank fast enough!

Money was taken out of my savings account by another person whose account numbers had two numbers off from mine. So at some point instead of the teller entering 33 they entered 88. To make matters worse the person's name wasn't even right and they still gave her the money. I called on Saturday and spoke with a customer service representative who assured me he would follow up on this and call me on Monday. Never heard from anyone thus I contacted the bank. They said there were no records or notes on the account.

Worst customer service experience ever. I have requested for nearly 2 years for paper statements because my email is not checked on a regular basis. I'm told it has been taken care of, but it never is. I went to go get a mortgage and the only blemish on my report is from this bank for late payments for a bill I haven't received. I ask if they can correct this and every time I get the late fee and I can't get it corrected from my credit report. It now has been reported twice the past 8 months as late and has probably affected the chances on me getting a mortgage on a home I've been constructing for the past 2 years. I'm now trying to figure out what to do with a house that I have a construction loan that I can't pay off because this company has singlehandedly ruined my credit!!! What can I possibly do???

One year in May of 2015, I've gotten approved for $9000! Right! It was great! Almost one year later I paid $500 every week for an entire month just for them to completely close my entire card out saying I had too many inquiries on my credit report! Are they kidding me? Nope, it's true! Not even just lowering it, completely closed me down, I was never late, always paid hundreds of dollars each month even when less than a hundred was due. I was furious!!!! Needless to say they didn't care and there was really no one to talk to. They wouldn't even give me the CEO's name and address and email, well they had no one for me to complain to to fight this. I still literally have 100% payment history on my credit report, and that's simply not good enough for them.

I accidentally underpaid $3.- of the total due. On the next month's statement I was billed $55.- interest!!! Talked to an 'account specialist' and he reversed the charge, but didn't want to admit to the obvious over-charge.

I don't recommend this credit card. I have had the credit card for a long time with the same credit line. The statements are always late and you are charged a late fee. It have occurred more than once. I have received late statements after the account is due. They always blame the postal service. They fail to remove the late fee! Don't apply for this card, you will be paying additional funds before your account is paid in full.

Had a Visa card for about a billion years from FNB Omaha that I have not used for 3 years. Decided to take a vacation and put all items on it during the vacation so I could have them in one place and pay it off in 2-3 months. 2 Days into the vacation I had issues in checking into hotels. I called the Customer service to be informed by credit has been reduced from $7300 to $2000 overnight. Only explanation is a letter was sent to explain to my house (great!). Not what I want to hear on vacation. Horrible decision.

I've had a 1st Nat'l Bank of Omaha AMEX card for the past two years. Not used a lot, but this month I pulled it out to use for grocery shopping. Have generally carried a zero balance, and had a zero balance before this month. The other day I was in the grocery store, whipped out my card, and it was declined. Surprised because I knew [thought] I had lots of room on the card. Called the automated phone system from the store to find out what was going on. Was told that I only had something like $32 of available credit. So, screwed... I was buying $57 worth of groceries. Went home. Got a different credit card. Went back and bought my groceries.

My experience with First Bank Card of Omaha is terrible. Dealing with an issue with their online services was an error on their part which they would not own up to. A manager by the name of Dustin did everything he could do to put the blame on me instead of providing good customer service. The experience with dealer with him was terrible.

First National Bank, Union Deposit, Harrisburg, PA - First National Bank is taking advantage of me as a customer because they know I live in Georgia and can't get to Pennsylvania to deal with the issue. I did a withdraw from the ATM of 300.00 and had a balance of $23 available. I did a few smaller transactions which left about thirteen dollars and some change in my account. I accidentally used the wrong card to pay my Sprint bill which was around $164. This would have put my account into a negative $150 plus $37 for overdraft which would have totaled around $187.

I was denied for an NRA sanctioned credit card based on ridiculous reasons that have nothing to do with credit worthiness. When I contacted First Bank of Omaha, they lied, and Blamed the I.C.S. or A.C.S. saying they gave an opinion on my credit worthiness, when they did not. Then, when FBO realized they had no grounds for their decision, they falsely created one. Literally one minute only the initial reason for denial is on the computer and on the letter I received, and less than an hour later another reason shows up. And that reason was false. In conclusion, anyone that trusts a bank that lies is a fool. And you deserve to lose money if you use them. P.S. I recorded and have proof everything I've said is true. Look for our documentary on YouTube coming soon. Under Corrupt banks.

Had a VISA card through FNBO for about 6 years. I'd have cancelled them long ago but for the Scheels cash back cards. Their functionality is antiquated, customer service is "could care less" and they seem to find ways to squeeze extra money from the customer. Too many incidents to list but here's the highlights: Fraud notification: IF they detect fraud activity they sent you an email that looks just like a Nigerian scam email. The phone# on the email doesn't match the card so I don't respond thinking it's another scammer. So they cancelled my card without calling.

Twice my bill was lost in the mail - makes me wonder - first time they got rid of the late charges but the second time they refused. I cancelled the card, paid the balance in full, asked for a confirmation number and they hung up on me. I had to call back and speak to a supervisor to get the number. Run from these people as fast as you can.

Very disappointed with First National Bank!!! They invite me to apply just to declined me!!! I have a very good credit and 100% payment history!!! But at the end I'm glad I wasn't approve after reading all the bad reviews!!! Thank you!!!

Bank is holding an ACH payment for 10 days for verification. I have always made my payments thru my American Express prepaid Blue Card. First, my other credit card companies take two days to credit my account and my credit limit is updated. This bank takes up to a week to credit my account and now a hold of 10 days has been placed on updating my information. I work with ACH payments and it does not take a week for a ACH payment to be received and processed. It does not take 10 days for it to come back "NSF" or any other reason. First National is taking advantage of its customers. The money is deducted from my account and balance when I confirm the transaction on American Express's website.

The company decrease my credit limit every time when my credit score goes down. I was never late with my payments, but they don't care. Every time you need a credit you don't have it. I went in store to buy some things. It's good that I am very punctual and checking my credit limit before I make purchases, but most people are not doing it. Very easy to get in trouble with these guys. The letter about reducing credit limit came 3 days later after they did it. I would not recommend anybody this credit card: First National Bank.

In December of 2014 I purchased well over $10,000 of items at Overstock.com, we were remodeling and it was Christmas. In early January 2015 three problems became obvious to us. First, Overstock sent items that I had not purchased. They were in my shopping cart, however I had not approved the actual purchase. These items were returned for credit without an issue. Second, a shipment was sent to ** not our home. This neighbor was away on holiday. When he came to our house we were not home. He left a note. When we saw the note it was too late. He stated he returned the items to Overstock. Third Overstock sent duplicate shipments. These shipments were returned and we were credited.

This company is a fraud! Doing business with them will only hurt you. Steer clear.