First National Bank of Omaha
Omaha, NEConsumerAffairs Unaccredited Brand
Over 150 years old, First National Bank was founded by two pioneers, Herman and Augustus Kountze in 1857 serving Omaha and the surrounding communities. The pioneers who founded First National Bank did so in the spirit of innovation and commitment to customer service. Today, this sixth generation family- owned business has become the largest privately owned banking company in the United States, with locations in seven states and more than 6.6 million customers across the country.
For questions about your account, please call Customer Service. Remember to never disclose your account information on any social network.
Keep an eye on your inbox, the lastest consumer news is on it's way!
I have 2 credit cards with the bank. I've had the older one for 2.5 years. One day I found out my credit limit was lowered from $14650 to $1000 without warning. I called and they told me it's computer generated. My credit is perfect. I have no bad stuff at all. My utilisation at the time was only $18. High credit score. I charged their card for over $13000 but after that I paid it off within the same statement. I sent a few faxes with no result so far. They said apply for a credit increase. Why would I do that when they may lower it next month? I wish they were reliable. I may just cancel my cards. Many options out there.
After years of having a credit card with First National Bank of Omaha, never being late with a payment, and a credit score that has steadily increased, they dropped my credit limit severely, with no warning. Completely unethical practices. They literally left me with $100 available credit. Do NOT use this bank.
Shawnee, thank you for the message. I apologize for your experience. Please call us directly at 1-888-530-3626 so your questions can be answered and we can assist you. We value you as a customer and certainly don’t want to waste your time. We look forward to hearing from you.
This bank and their credit card department used to be a partner of the NRA (National Rifle Association). Recently they apparently broke their partnership and are not renewing it. So that is the starting point to this conversation. You will see where I am going with this shortly. So, a year ago when I renewed my NRA membership, this card was offered. I applied and they gave me the card even with fair credit at best. I simply did not need the card as I am working to repair my credit and have been paying off balances and doing the right thing to get that moved up. Well, in the past year, I simply forgot about the card, and never actually used it.
Well, without warning, when I did need the card, it did not work, and when I arrived back from my travels there was a letter (not an email, no warning letters) that said the card and account was closed. The letter spouted about poor credit score and a number of other things that looking at my credit report were not actually correct. Heck, even the credit score they put on the paper was wrong (higher than it should have been by a few points). The funny part is that my credit score had gone up by over 135 points since they issued the card.
So I rang them, they said that it was because of those things and I said that they needed to review the credit report with me AND send me a copy of it since that was my right. They did not agree to either, but the supervisor finally told me that it was simply because I had not used the card and that the bank was not getting anything in return to keep the card open. They wanted their interest, and because I never used the card (which is a good thing, right?) ...they closed the account. When asked why they did not just say that and why they put all of the stuff in the letter that was untrue, he had no response.
When I pushed him to reinstate the card, it was finally brought to my attention that the card was not closed for either of those reasons at the heart of the matter (while either of those reasons could be good enough I suppose). The card was actually closed because they are no longer partnering with the NRA and are closing most of those accounts and asking anyone to reapply for a First BankCard that is not NRA branded. So, NRA, welcome to the show, hopefully you read this and see how losing them as a partner is not a bad thing! Anyways, avoid, there are better ways to get credit.
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 work in the lending field, have for 25 years, and I am fully versed on how credit works. This company appears to be preying on people trying to establish or rebuild credit, and when the credit isn’t being fully utilized (meaning they aren’t making enough money off the consumer) they use the excuse that a credit score drop and hard inquiries as a reason for account closure. STEER CLEAR OF THESE THIEVES.
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.
Again, I learned there was a balance of $5.34. I don't know what method of calculation this bank use but it is definitely not traditional. Keep in mind these payments were sent prior to the due date, made no purchase, and still I incurred additional charges despite paying the full amount stated. On the 3rd call statement balance according to the customer service rep was $5.34, I sent $6.00 and closed the account. This account with this bank cost me close to or over $100 in fees not related to purchases or late payment. Beware!
- 1,145,255 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
For more information about reviews on ConsumerAffairs.com please visit our FAQ.
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.
Two days later, I get notified that both payments were taken out. I called customer service, and a very wordy representative told me at best, I had to wait until payment cleared my bank and arrange a conference call between First Bankcard and a supervisor at my bank. I do not have time during the day to do this, so basically they advised me that I was screwed out of $400. A payment I would never have made, if the online account showed, as it should have, that my automatic payment was pending. A rather snippy "supervisor"--I'm sure it was just another CSR--told me the same. I closed my account immediately, but this should never have happened. I have been banking online since the 90s and never had an ordeal like this.
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.
I spoke to one of their agents, she asked me a lot of questions which I answered correctly. She asked my DOB, complete cc no and last 4 of social again (I don't know why 2nd time), my mother's maiden name etc. After answering all of her questions, she told me that in order to unlock the acct, I have to go to a different bank and call from their no. to prove my identity through them. What kind of policy is that?
Which bank would speak on behalf of us? Hopeless, I went to BofA and told them my problem. They said they can't do it. I don't think any bank will verify your identity with a different bank just because you are a customer to them. I went to US Bank and asked them the same thing but no luck. I called the Customer service again but this time they told me to notarize DL, Social Security Card and Address proof and have to fax it to ** to unlock my account.
I had a Discover card, BofA travel card and other cards over the past 3 yrs and I never had these kinds of problems. So, I went to BofA and US Bank again to notarize just as they asked but their policies won't allow notarizing a DL. Who's at fault here? What kind of policies does this First bank card have? If policies are not user-friendly, then you won't grow as an organization. Remember, every time I call in Customer service I had to authenticate myself with their hell lot of questions before they speak anything about my account. This was the worst experience in my life. DON'T WORK WITH THIS BANK OF OMAHA in any way.
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!
John, thank you for your feedback. We are sorry to hear about your experience. Can you please give us a call at 1-877-932-3626 so that we can go over the different options in regards to transferring funds? We look forward to hearing from you.
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.
The customer service representative promised me they would research and get back with me. Really angered that the error even occurred especially this day and age with security measures they have. What astounds me is the name is wrong yet they gave this woman the money. I don't understand that. I can go online and look at the image and clearly see where the problem is yet it will take them days to figure this out and return my money. Very dissatisfied. Will consider changing banks at this point.
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.
Oh wait here's another kicker... 2 months prior to this I had been approved from my personal bank and got a $5000 Visa card, which they closed just 2 months later after they closed my $9000 American Express card. OH how upset and angry I was because I have been working on my credit report for at least 5 years with no negatives then they do this!!!! I highly doubt I'll ever go back to them! Got them paid off quick too!!!!
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 have other credit so no biggie but WTF on making a decision like this in 24 hours. You lend money to make money so I will make sure this is paid off ASAP so they make as little as they can. Terrible business practice to a good customer. I requested a further credit increase and got an statement that said no, but we may increase it in a few months. Not what I call a solid bank in your corner. These guys will be shown the door when account is paid in full in the next 30 says. Bye Bye Omaha.
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.
When I got home I punched up the account and it said my credit limit was now something less than 50% of what it had been. Sent an e-mail, asked what the hell was going on. No response. Received a letter several days later confirming that my credit limit had been more than halved because, "...they didn't like the way I was handling my accounts." So, based on that bit of stupid arbitrariness, 1st Nat'l Bank of Omaha has rendered itself irrelevant in my life.
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.
First National Bank claimed Sprint put a hold for the $164 which I received a text to my phone from Sprint the $164 was paid. Regardless of the hold or not, there was only one item which put my account into overdraft not two items. FNB charged me $74 and then not even 48 hours later, placed another $37 charge on me which placed my account into a -$261 status. This bank is robbing me and they need to be stopped.
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.
First time I was on a x-country car trip and couldn't get gas in. OK, 2nd time they cancelled card the day before I was to leave for Hawaii! Both times they claimed they called but that was a lie proven by cell records. They are so cheap they will not overnight deliver a replacement card instead they'll try to get by with snail mailing it. Last time I got them to Priority Mail but it took some growling from me. Bank/card account was hacked and identity stolen. Someone hacked into their bank, got into my account and changed my address, then ordered a bunch of expensive stuff. They did catch it but it was a royal pain and now I have to closely monitor my credit reports. Customer service and their fraud supervisors refused to admit their bank was hacked. Makes me wonder how many customers were affected.
Auto pay setup atrociously archaic and DO NOT trust their online software to record changes. Found this out the hard way. Got hit with a late fee with higher interest rate when the changes to auto pay didn't happen. They did not take any payment from my bank. I called and they had zero record of the changes I made. So the customer service tech got me set up for auto pay and good to go...not so fast...got whacked with another late fee. Ok...we repeat the above procedure. This different cust serve rep seemed smarter than the previous ones. He got me set up (3rd attempt now) and auto pay worked...except...more problems. I requested a higher auto pay which we talked at length about. Guess what?? Did not happen. But I came to expect this by now.
Even if auto pay works they wait til the last day to draw from your payment acct. For a variety of reasons sometimes payment or credit for payment gets delayed...so WHAM...another late fee and a higher interest rate. My bank is a competent international bank with excellent service and computers so I know the issue is very likely not on my side. Speaking of auto pay I notice they want to the last day or minute to debit your bank for payment. This creates a higher potential for late payment if there are computer glitches. Sneaky, yes? It does not take very many "incidents" or problems, which are never their fault, to use as an excuse to jack your interest rate to 29.9%. I guarantee you that they will NEVER tell you about the Card Act and reviewing your interest rate after 6 months of on-time payments. Why do that when you can rake the people for double the interest?
Their online account/statement software is a nightmare to navigate and worse to extract information from. There is no reason it should be so hard to find payment status, statements, and the hardest to find...how much they're stocking for fees and interest rate. I'm patient, easy going person but this company can really fire me up. Just discovered another screw up this morning so they're going bye which I should have done a couple years ago. To summarize: lying employees, badly unreliable computer system, untrustworthy account security, antiquated replacement card system, poor fraud alert service and in my opinion shady business practices to fleece the customers. After a while you don't feel like a customer but more like a victim.
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.
First National Bank of Omaha Company Information
- Company Name:
- First National Bank of Omaha
- Year Founded: