FNBO Reviews

I have made 5 payments using my mobile app on the evening of the 17th of June and on the 18th of June. My first payment was made on the evening of the 17th of June to payoff my FNBO credit card via the FNBO mobile app. All payments were retrieved from my checking account except FNBO by 22 June. I truly believe they delay payments to get that interest on the unpaid balance. I will not use this card again unless an emergency occurs.

I am extremely disappointed with this credit card company's handling of a fraud claim. Over $3,500 in fraudulent charges were made on my account. Despite reporting the fraud and disputing the charges, I was ultimately told that because I did not report my card as lost or stolen before the transactions occurred, I would be held responsible for the charges.

Horrible experience unlike any other credit card issuer. Frequently drastically reduces available credit despite account in very good standing. Wish I never applied.

A company charged my EXPIRED debit card today for almost $300! The card has been expired for 2 months! This is a company I rarely use, they didn’t force it through, I didn’t have other cards on file, and yes, I forgot to take my card off their file. I went to my bank to get answers and they said, “that’s not right” and “sorry, we can’t help, try calling the company that charged you.” I called card services and they told me, “It’s the same number, just the wrong expiration date.” What? So, what’s going to stop anyone who has my card on file to charge it even after expired?? No answers, just frustration on my part. Why didn’t fraud services catch this?? I count on my bank being my partner but I guess that’s too much for FNBO. I did call the company that charged my expired debit card, and they refunded me and has no idea why my expired card went through. They were extremely apologetic made me whole.

I ask for a simple replacement card over 3 weeks ago. After a couple of weeks without receiving the card I call customer service to check on status. Was told that 2 weeks was not near long enough to be concerned about a card not arriving yet. Plus the manner in which it was mailed did not allow for tracking the shipment anyway. What company in today's fraud rich environment ships a credit card with no ability to track?

Poor and slow payment process. 40 yrs of perfect credit record. And because of my auto payment didn't process a 16.00 payment because of the lesser amount it was. They reported me to credit bureau. Cards were held for yrs. Cut in two return. Such a cheap shot to a person at 71 yrs. Drop my credit score by 40 points. I have always prided myself on my perfect credit.

This is the worst card you can get. Had it for 5 years. Never been late or over the limits. Dropped my credit limits 5 times down to 1400$. I cut up the card goodbye.

I paid my last statement with FNBO last month full amount my new bill for this month they have charged me interest when I called. They said it was from two months ago, therefore I will pay the entire bill again, which is a sizable amount and, I am never using this card again. This is not acceptable as I am paying my bill entirely; therefore, I should not be charged any interest rates at over 25%.

This bank keeps your money with no any reasonable explanation, and this happens for a very long time. If you make a deposit they put “your money" on hold for weeks. Nobody inside the bank can give you any explanation about your money. Nobody. The manager in South Omaha said that the “hold” just can be released by a department they can’t reach except by email. They don’t that department’s phone numbers, and they don’t answer emails. Is this a right way to make business? Leave the clients without her own money for weeks and weeks without any reason? Explanation? This is stealing your money. Take control of your money.

I got a universal credit card, made purchase on Universal's official website for hotel and park tickets. NEVER got the points, called MULTIPLE times, got transferred between customer service and reward dept, NO ONE can help. Terrible bank to have a card with.