FNBO

I have had a BP Visa account for a long time. FNBO bought the account some time ago. Their technology is clunky and they are a pain to work with. More recently, they lowered my credit line which I have had for many years, causing me issues with a planned purchase. While not necessarily a fan of Synchrony Bank, I have a new appreciation after dealing with FNBO. I would not recommend them.

If I could give them a negative star review, I would. Deceptive and damaging practices and horrible--make that NO customer service. I started with a credit limit of $3900 and a 0% introductory offer. I paid at least the minimum every month on time. Within 3 months, they lowered my credit limit to $2950! No explanation. Obviously my credit score took a ding as I went from using about 60% of my credit on this card to almost 90% due to the lower limit. The rest of my credit was good, so it was a relatively minor ding, but still annoying. When they dropped my credit limit again within a year (to $2250) I messaged customer service to complain and ask why, and got a response that they had mailed me a letter with the reason for the change. (Why have online messaging if you're not going to give any useful information online?)

I have been trying for months to work with FNBO on a dispute case. Every time I call in I am transferred a couple times and then told I need to speak with another manager or department. I am then told I can wait for them to call me back as I have been put on a manager queue. How long is that queue or are there no managers there to call back or to respond to a customer? Another day turns into 2 weeks and still no call back. So I call again every day for a week and still I am on the queue for a manager. Never shopping with these cards again...sorry Scheels and Runnings but I am not using your store cards again. Canceled.

I don't know about their bank activity. I express my On-line experience with this credit card company. Be very careful with this company. Theirs's website is very confusing. I opened business account at Community bank and I took convenient offer to get credit card. Surprise 1 it's through FNBO. Then "surprises" started; on the web you can make One Time Payments, for automated payment have to call in. If you think that Reacquiring Payments is for setting up payments, you will be surprised. Reacquiring Payments, in their understanding, means It pays off entire balance of your credit card. It takes 10 business days to reverse payments, meanwhile I have to pay $36 overdraft fees every day. I had this card for 6 month, 3 months I used it. If you want to contact FNBO go to Treasury Support tab that their name for "Contact Us" tab. I am cancelling it now. Switching to another bank before it's too late.

Almost every time I try to access the website there is an error logging in. Sometimes it is an authentication error, other times they are server errors 500, 404, etc. Sometimes the website is down for DAYS at a time. Completely locked out of my account. Can't see any transactions, balance, and worst make a payment. And then payments can take 4 days to go through. So if you have a due date make sure you give yourself a few WEEKS to pay it because the website most likely won't work in time. Support team is useless as always not worth even contacting. Of course, nothing will be done about it so why am I writing this?

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.

Every time I make a large purchase they lower my lit to a few hundred bucks of what I owe them, making me using over 90% of my available credit. I’ve had my score drop dramatically because of their ridiculous games.

I recently applied for a co-branded Visa Credit Card for Scheel’s Sporting Goods. I was contacted by FNBO requesting additional information to confirm my identity even though I already have two other cards issued by them. The forms of ID they requested were:

I received a packet in the mail from FNBO and was considering applying for their Visa credit card until I read all the horror story reviews on this site concerning the bank lowering credit lines for no reason. My score is 800+ and I pay my cards in full every month, I'm sure the same thing would happen to me had I gone ahead and gotten a card. Thanks again to all who took time to review and saved me and others the pain and suffering.

Run as fast as you can!! This bank is the biggest fraud I've ever done business with! Offered me a credit limit on the Evergreen card of $13,100 with zero interest for a year. I charged a little over $7k, put half the cost of my Generac generator on this account and paid the balance down to under $3700 in a few months. These jokers slashed my credit line to $4k with no warning and for no reason! I was steaming! I called to ask why and all the rep could tell me was a letter was mailed out the same day I called, which was 2 days ago. I paid the entire balance and shut this bait and switch card down! My credit score dropped 30 points points!!! FNBO you will never have the chance to play with my credit again! This is horrible how you reel people in with your high limits then penalize those of us that are responsible and pay on time and more than the minimum! You are disgusting, but thank God for American Express! You lost a good one! Bye FNBO. You can take your card and shove it! Put your Nike's on and run from this bank!