FNBO Reviews

I have had an FNBO credit card for for 2 years. We periodically used the card and primarily took advantage of the balance transfer options. We never went over our credit limit or missed a payment. We were alerted by our credit monitoring company that our account was closed. Upon calling the company we were told they pulled our credit and decided to close the account. They said having a high balance was bad for our score. They don’t care about our score because a high limit card being closed by the grantor makes our score drop even more than our high balance. Plus they didn’t have a problem with the high limit when they offered me the balance transfer. I am closing my savings account with them tomorrow and will NEVER use another FNBO product again.

I have had a card with them for several years now and they didn't give me any reason to say a bad thing about them. I request cl increases and got approved. I then chose to open another account because of how good they treated me. I got approved. My wife took off for one year to take care of our son and I used credit to supplement our income till she started working again. I froze my credit to prevent fraud and in Hopes to help me improve my credit. I got a better job and she started working again. I started paying off debts with a tax return and a loan from my 401k. I budgeted my payments to payoff credit cards starting from the lowest balance, working my way through the cards. Next thing I know, I get a notification from my credit monitor that a card has decreased my cl. It was one of my FNB cards.

I signed up for a Best Western Master Card. When we attempted to redeem rewards we learned the process was very cumbersome and decided to cancel the card. I had just paid an annual fee, and asked to have that refunded or applied to the one purchase I had made. They told me because I had made one purchase they would not refund any part of the annual fee. So I was charged 59.00 for the upcoming year. They refused to prorate the fee or apply it to my bill. These people are Banksters.

I pay all my bills online thru bill pay. Because this bank does not participate, my bank has to send a check thru USPS. The check was mailed 2 days prior to due date but was not processed until 4 business days later and credited yet another day resulting in a late payment and a late fee being assessed. I contacted the bank as they waived the late fees but I still closed my account. Very poor customer service!

This card is a joke!! I have had the MLIFE card for about 3 years, started with a limit of 5,000. Used the card only in Vegas for our trips. For 2 years in a row now they have decreased my limit for no reason. I have other credit cards that have sent me credit increased recently and this joke of a bank decreased my credit limit. I have never been late on a payment and always pay the balance in full. I have made a 1500$ payment 2 months ago, and another 815$ payment 2 days ago, paying the card off and they decreased the limit. AVOID this card at all cost. I won't ever use the MLIFE MasterCard again, MLIFE you need to find a different bank to go thru for all your customers.

I opened this card to use for travel expenses and let me just say it was by far the worst customer service I have ever witnessed and I run a restaurant and deal with people all day so that’s saying a lot. I was locked out of my account so I called to get it reset to make my payment, that never happened. I tried to send a check through mail. It got sent back and when I was told a supervisor would call to try and help me figure out what was going on they never did. So now they closed my account for permanently and basically told me to figure it out myself when I have never missed a single payment in the past. Would not recommend this company to my worst enemy. Absolutely horrible.

They sent me a card that I didn’t apply for. I destroyed it. They started sending letters about it. I called and told them I didn’t want the card, didn’t apply for it, and wanted it canceled. They are now sending me bills and are saying I’ll soon have late fees. All the charges are to Orvis, a division of FNB of Omaha, it’s a Visa. I think I should be able to sue them for my time and, esp. if they ruin my credit.

Have had their Dodge Performance Credit card for three months now. Paid off the full amount the first month then they put a hold on my account from paying online. Sent me a letter stating such, so I called customer service (waited 32 mins). The girl told me she would take the block off, mind you they took the money out of my bank account days before this cleanly. Told her I also wanted to pay a $200 new balance weeks before it was due and logged into my FNB account after not seeing the payment leave my bank account after 5 days and it showed a return of funds.

I’ve been an account holder with this bank for 6 years. My limit was 5k with a decrease to 2,500 about 6 months ago. Never a late payment with anyone for over 10 years and today Credit Karma revealed to me my account was closed in January. This is something to be expected if you're not paying on time I’d assume but to not notify a customer that’s been with you paying on time for years is extremely unsettling.

I have had an account with First National Bank of Omaha for 8 years. 5 of those years I held a credit card. Never had a late payment or any issues. Over a month ago I purchased an e-book & it brought me to a link saying the product is not available. I attempted contacting the the seller to no avail. I decided to contact my bank to dispute this and do a chargeback. No matter what time of day I call I am on hold with FNBO for over 15 minutes. When I ask about the status of the dispute all they say is "we are really backed up and they haven't started it yet". When I ask for a timeframe they say they don't have one. It's been well over a month and they STILL haven't started my case. This is ridiculous. When I go into the branches they say I need to contact the call center. How long am I supposed to wait?

Avoid opening an account with them, if you need money go to a real bank, this is an online bank live and expand by the fees they charge even if you pay in the same month, such a business need to be further investigated as it has 0 satisfactory!!! What a business in the world that has 0 satisfactory!! Not even a Chinese scammer business!!! IF YOU WANT TO HAVE AN ACCOUNT WITH THEM LOOK AT THE REVIEWS EVERYWHERE, if you see 1.5 not even five then there is a satisfactory, they have 1 because there is nothing less than 1, if there was -100 they will for sure have it. THEY GOAL IS YOUR MONEY NOT YOUR SATISFACTORY.

Warning. If you choose to get a First Bankcard it will end up being the BIGGEST mistake you could make with regards to credit cards. It is so bad I refuse to shop on Overstock.com ever again. As with many other reviews I have seen my card was paid on time and not over the limit. It had been in good standing. Today I received a notice saying they are cancelling me and one of those reasons was because I paid off my car and instead of getting a new one with a monthly installment note I chose to remain free of a car payment. So they cancelled me.

I too had an Overstock credit card which was issued by, First Bank of Omaha. 6 months ago they found Credit-speak reasons to lower my limit (although I didn't use the card) and this month, I received notification that my account had been closed for the same Credit-speak reasoning. Paying on time every time and higher than minimum payments has not stopped them from damaging my Credit. I would involve myself in the class action lawsuit I am sure is on the horizon.

I have had my card for over 5 years. Always paid my card on time double the amounts. Was never late. I got a letter yesterday 2-25-19. My account is now closed. The reason they explained in the letter was they received a notice from the credit company. I have never heard of this before, my credit report will show for the past 20 years all bills have been paid on time. Closing a card lowers your credit score. I did call them. They advised, "Read the letter. That is why your card was closed."

I called to cancel my First Bankcard on the day I received the notice that the annual fee was posted. They could NOT waive the fee. I am not happy. I had a zero balance the month before. They told me I was notified of the annual membership fee coming due so they will not waive the fee. I have never heard of such a policy. Not a happy Customer.

Updated on 03/07/2019: I paid my balance IN FULL on my RAKUTEN Master Card just a few days after First Bank closed the account for no apparent reason. Always paid on time, never late, etc. I called First Bank customer service today, but even with a zero'ed balance, they will not even consider reinstating the account. I don't need their credit line, I have several others bank cards with full available credit. What upsets me is that they slam the door on me when I call to request a consideration of reopening the credit line. No negotiation at all. They say I need to reapply as a new customer... Caveat Emptor with doing business with First Bank Of Omaha. They will throw you under the bus!!

Like everyone else I had an Overstock credit card which was issued by, I believe First Bank of Omaha. Last month, I received a credit monitoring notification that my account had been closed with various "waffle" reasons given. ZERO notification from First Bank. It seems they have ended their association with Overstock and are closing accounts. Happening to many people and credit is being ruined. Currently myself and several others are investigating a class action lawsuit due to their underhand actions.

FNB OMAHA did not notify me of this cancellation until I disputed the notice that it was closed on the credit reports. On 2-22-19 I received notice. The reports were accurate and on the same day I received a notice that my account was closed. The notice was backdated to 1-17-2019. Never late, paid more than minimum, had this account for over four years. From what I found in researching this, the credit card companies can do this at their own discretion without notifying the card holder. This is really a bad practice. Hope these complaints have an impact, would like to have the companies notify their card holders when the account is canceled at the time the action occurs rather than when a card holder disputes it on their credit report.

Have had an Overstock credit card for over 5 years and received a letter today stating the account has been closed. The letter is stating that the account is closed due to excessive delinquencies. I do not have “excessive delinquencies" with this account nor on any other account. My credit report does not show any delinquencies either. Not sure what is going in with this company but based on the number of recent complaints I believe something fraudulent is going on.

First National Bank of Omaha closed my "in good standing" account without warning. I have had the account for over 6 years, ALWAYS paid more than minimum due and NEVER made a late payment! Today, First National Bank sent me a letter stating that my credit score had dropped so they were closing my acct. Despicable action since I have proven to be a customer who pays my bill and ALWAYS on time. I am very unhappy and would never recommend the company to anyone.

I checked my credit score a few days ago and my score had dropped by almost 30 points. I looked and saw that my FNB credit limit had decreased from $5000 to just over $2400, that made my usage go up to almost 95%. So I called customer service and the lady said that I had too many inquiries and something else, she said they sent out a letter which I never received. I don't have any recent inquiries on my credit report, the only thing that I see is that I had a late fee, which I paid my bill on the due date, but it was after five and was charged a late fee, which was then credited back to my account. I think that was the reason they lowered my credit line, I looked back through my past statements and had not had a late fee since 2015. They are full of crap and I will be paying off they card and closing this account.

FNB of Omaha decided to close my account without telling me. If it were not for Credit Karma alerting me of the closure, I would not have known. Apparently, they closed my account in mid-January. I, however, made a pay-off payment a week ago, so I owe you nothing! I called customer service to be told they longer partner with Overstock.com. I asked why there wasn't any correspondence sent out about the closure, to which she responded "letters were sent out this week." Aren't you supposed to inform customers BEFORE you close their accounts?

Closed my account without warning. I always paid on time and more than the minimum. I had over $2000 credit available when I received an alert from Experian that the account was closed and marked settlement. Now, never missed a payment, FICO in the 700s and they do this. I called customer service and was told, letters were supposed to go out. Note the plural, letters. Other people have experienced this as well I can see from the posts. We're in process of selling and buying another house and First National damaged my credit for no reason.

Our account was compromised 12 times at various Sams Clubs in Florida in one day. Luckily for us, I do not depend on the Fraud Division to monitor our accounts; I check our balance daily. The bank did “catch” some of the purchases and immediately reversed them. There were a total of $1,100 various purchases made. I never received a phone call, text or email advising us our account had been compromised to report fraudulent purchases, nor did they cancel the debit card used.

I had a wonderful, long, 10 year relationship, with 1st Bank of Omaha until today. I was diligent about making the payments and always carried a balance during those years. Basically I was a very good customer, and they made a good bit of change over the years keeping me as a customer. So imagine my surprise to find out my account had been closed without warning. To make matters worse, I found out what they did because they sent me a replacement card in the mail. I called up customer service and tried to activate the card only to be told - "Sorry your account is closed. Your credit score has changed and we no longer want you as a customer." I would be getting a letter in the mail notifying me of the change.

I opened this MasterCard 7 years ago and saw steady credit line increases since I never paid late and never went over my limit. Last year they dramatically decreased my limit saying their automated routine credit review decreased my credit limit. All the while three other accounts at other banks INCREASED my credit limits. I refinanced my home and dropped my overall credit balances. My credit score WENT up on all 3 credit bureaus and suddenly without notice they canceled the account.

Discovered by accident that my Mastercard had been closed out. Spoke with customer service and was told multiple accounts have been closed recently by the bank. Also that I would receive a letter in 7 to 10 days to explain. Strange way to do business. Was making minimum on time payments each month. Assume that was it not sufficient for them to conduct their business. This could and should have been handled better and I should have had the opportunity to correct any perceived problem. Very poor way to do business.

I am among the thousands of people who magically have their credit card limit decreased right above current balance even after years of being a customer with 0 late or missed payments with them or anywhere else. I mean 0. This horrible credit card company will reward you with credit decrease in an attempt to harm your credit making it look like you're utilizing all your credit limit. STAY FAR FAR AWAY. THEY ARE BAD BAD BAD.

After having this card for over three years, they have given me another credit decrease right after they gave me an increase. I have never had a late payment with this account or any other account, had to find out by Credit Karma my credit has been decreased by 50%...no notification, no email, no message. Called customer service and they were less than helpful. This is not first time this has happened, now my credit limit is at almost at 100% and my score has gone down by 10 points. I will pay off this account and throw the card in the trash along with its almost criminal APR... Don't waste your time with this inferior credit card company.

I have had my Overstock credit card since 2017. I have never had any late payments and have always paid over the minimum amount due on this card. I recently made a payment on my account and went online to check that the payment had gone through, and to check my available balance when I discovered that I had zero available credit. I immediately called to find out what caused my available balance to be at zero and was told that the bank had closed my account due to my credit score. My payment history has been immaculate with no late payments or collections for over 10 years and this company decides to drop me and put a black mark on my credit history for no valid reason and without notice. This is totally outrageous to get dinged on my credit when I pride myself in making payments on all my accounts on time. Shame on this company for this type of practice that negatively affects their customer's credit history.

I received a pre-approval offer for a credit card from FNB stating balance transfer 5.99% interest until paid off. I transferred my balances to their bank and paid a fee of well over 400$ for the transfer hoping to save interest. I received my first statement and my minimum payment is almost 1000$. Why would I transfer balances I wanted to pay down at a lower interest rate to them and have a minimum payment 4x the normal payment anywhere else? now I will pay off the card and close the account. I will contact the NYS banking department to let them know about their unfair practices of bait and switch. They had me move my balances over with the promise of a rate 5.99 until it's paid in full. They are trying to make me pay it off in a year. Worse SCAM I have ever seen. Stay away from this bank.

I've had my card from FNB for 7 years. Started out at a very small credit limit and am now at 30 gs they have always stayed on top of my transactions. How I paid and I have never ask for an increase, my experiences I have had are top rated. Quite pleased with this bank.

I got taken by the kiosk merchant, claim their printer terminal was not working then turn around. Charged me in excess of 500.00. File the dispute but since I give them the card, the lady at the dispute department told me they can't do anything at all! Really? And signature they try to pass off as mine is not by mine. Still no go. This company will not stand by the consumer, I still have to pay since my credit rating is important to me and unfortunately I do want to earn future points from the M life. I did not close the account, however, in the future, I will only use this card for M life purchase only since I know I will not get any normal credit card purchase protection. I would give Minus 10 rating if I could!

On Dec. 1st 2018 First National Bank of Omaha STOLE $960 from my checking account and is claiming "skimming" fraud at the 108th & Blondo ATM. No skimming fraud has taken place. First National has committed this fraud and I am concerned about how many customers that have used this ATM have also had their money stolen from FNB. The funds in question were reported missing on Dec. 2nd, but FNB didn't report until the 4th. Federal Law provides them 10 business days to conduct their investigation and issue their determination. However, if they can't definitively prove that their account holder engaged in the fraud, THEY MUST RETURN YOUR FUNDS.

I am a twenty year customer and I have always maintained several accounts with nice balances. I had a maintenance Free checking account from when I first opened an account with the bank that I was no longer using that was charged maintenance fees until it had a negative balance starting a little over a year and a half ago. I had left a little over a $100 in the original checking account and had not worried about it since it was a service charge free account and I would close it once I was sure that no additional charges would come through.

This is the WORST credit card customer service department that can possibly exist!! Someone stole my account information and got into my online account and changed my address and email. They did alert me to fraud, so they cancelled my account and issued me another card. Guess where they mailed the new card to? THE FRAUD ADDRESS!! So we went through the process again. I got a new card again, but they reported the fraud address to my credit bureau and refuse to admit they did it, so they won't delete it from my credit bureau file. WHO ELSE COULD HAVE REPORTED IT??? They also say they can't delete the other fraudulent username from my account (which gets confusing when I need to call into them). What a joke this company is and the people it hires!

I opened a secured business card with a Rk deposit. After 16 months of use and paying off the balance every month I called to get my deposit back. Thema on the phone line said I can't get it back unless I close the account. So I was lied to by the gal at my bank who said I would get my deposit back or the man on their customer helpline lied. They also keep failing to update my address change. They also lock up my credit card EVERY time I use it. This has caused trouble for my business. We thought they would be better than this as we have had all our accounts with them personal for 6 years and business for two. Our business poured serious cash to them and it's offensive to be treated with lying. It's a nightmare to have my card locked up all the time and that they cannot seem to update the address records since July of 18. DO NOT USE THIS BANK unless you thrive on lies and incompetence.

I got two cards from these guys for a balance transfer with a 5.99% fixed APR. I thought I was making my monthly payments much smaller than keeping a 19% APR Citi card that I had. I just received my two statements and both are higher than my minimum payment would have been if I kept the 19% card. There is no detail to how they came up with my payment on my statement. AND they have a “if you pay this much a month, you will pay it off sooner than just paying your minimum payment” and that dollar amount per month was 50% less than what they told me my minimum payment is on the statement. The online messaging is a joke. They don’t respond to any messages you send.

Secured Credit Card Practices: I’ve had a $300 secured credit card for over 18 months. When I signed up for the card the app said it could become unsecured in about 11 months. I’ve done everything on my part (never went over, paying on time, paying more than the minimum. Etc.) But yet the card still remains secured. I’ve called several times to find out why but only to be told the same thing. They don’t know why, keeping up what you're doing and when you meet a certain criteria then the computer will automatically switch the card over. "We have no control over that and can’t tell you anything further." Since I got the secured card l have obtained a $1000 unsecured card from them also. So evidently I’m doing the right thing and my credit has increased. Something isn’t right.

I applied for an MLife Credit Card and was approved for $9,000++ credit limit. I would use the card for grocery, gas and Vegas and would pay on time. I've noticed that every time I paid an amount over $500, the funds would get held up and I would have to call their customer service dept and do a 3-way call to my bank to confirm that my bank had released the funds to them. I kinda found that weird but it went on for a while.

Had card for about 4 years, never ever late on it. I paid half the balance off right before refinancing my home. Then, I paid the remaining balance off during the refinance. About a year later I received a letter stating if I didn't use my card they'd close it for inactivity. I used it and then received a notice stating I was over the limit and they were going to close account if I didn't resolve it immediately. I called only to find out it was already closed. I called as soon as I received the notice so that was zero opportunity given to resolve anything and I wouldn't be surprised if it was closed before they even issued the letter. I found out that they decreased my limit substantially with absolutely no notice. Then when I used it they allowed it to go over the limit by a few hundred dollars. What a joke of a company. I will be looking at reporting them and their unethical practices. I will NEVER feel with them again and wouldn't suggest them to my worst enemy.

Customer service suck. I was trying to cancel my insurance plan and was given the runaround. The manager was like I just click a button and it goes away - called in months prior and it was never done... horrible service.

I applied for a Scheels Visa and was declined with good credit. They are a waste of time. After seeing complaints about the card and finding out it was through First National, I may have been saved a lot of headache. They have earned their abysmal rating on Consumer Affairs. Don't waste your time with this outrageous, left leaning Anti American company.

Regards,

I did my research and FNBO Direct was the top rated bank in the country. I created an account and the first year or so everything went well. I thought that it would be wise to have all of our $ in one bank so I convinced my partner that we should move our money there. We opened an account for him only and a joint account for the house/bills/etc. It has been an absolute nightmare! We deposited our work checks to the account and had to wait a week for them to be available and when I called, I was told up to 10 business days. WHAT? Even after checks from the same payor were deposited.

I've been with this bank for several years now and never missed a payment on any of my accounts and every 6 mo they almost double my limits. Great bank. I started out with two cards with $5300 limit and now its $15000.00 and the other card which is a Amex and it started out as $8000.00 and now it's $ 24000.00. You take care of your accounts and they will reward you.

Have used this card for years and never ever missed a payment. Was hospitalized and missed ONE payment - got a letter informing me of a credit line decrease from $12100 to $3950 which is only $5 short of what I owe on this card. Customer service was no help although I made a payment - more than what was due including the past due amount and a $26 late fee! Yes, American Express should drop this bank fast!!!

I immediately contacted First National Bank of Omaha's Credit Card Department to inform them that a realtor used my credit card and charged unauthorized charges to my credit card. They told me to wait until I received my billing statement. After which I contacted them again and filed a dispute regarding being overcharged and gave them full details. They reversed the charges then later charged them back to my credit card account. I spent several hours on the phone with them to inform them that I did not authorize those charges.

This company should be dropped by American Express. Their customer service is horrible to the point that if you trust them to do a job right they will surely screw it up and then defend themselves. If you want to pay off your card they will not allow it and quote you their disclaimer. BEWARE! In my case I paid them $5800 and change to pay off my card as I have family from out of the country coming to visit, I was moving to another state from a home I had lived in for 16 years and starting a new job.

I don't know if it is because this company is unethical, incompetent or both, but here are the reasons I have closed my account and recommending that nobody do business with this company. About three months after I got the account my statements stopped coming in the mail. I did NOT sign up for electronic delivery because it's for my business and I like to have a paper record. So I was late with one payment ($39.00 late fee plus interest) because of that. After complaining they suggested I signed up for "auto pay". I followed their instructions precisely to do that. Next month, I get a call that the card is "past due". The auto pay never took effect. Another $39.00 late charge and interest. At that point I told them I was paying off the card and cancelling the account. I suspect that they do this so that they can collect interest and late fees since I rarely carry a balance on credit cards, the interest rates are far too high.

There is a membership renew $59 charge in my recent statement. Since I never used this card for a year, I called customer service to cancel CC and close account. The customer service told me that I have to pay next year membership, otherwise can't close account. What, this is the only credit card company I know that you can't cancel your CC without pay renew membership. The customer service told me that on previous month statement FRONT page has a written "Importance Message" to info me the renew fee.

So I happen to check my CS today and saw a nearly 50 point drop. I start looking and see a huge decrease in my credit limit and not high balance. I then call on my First Bank card from Omaha Bank which is my Speedway MasterCard. They then tell me I had 5 late payments which I have zero. Then said I had too young of credit. Said my oldest card is not old enough. It's 12.5 years. Then said I only make the minimum. False. I make 2 payments per month. One the first week, one the 3rd or 4th right before it's due. They then said, "Your last payment was Jan 24th." Again I do not have any lates. My bill is due the 25th each month. I told them to change it back to what it was as it now have screwed up my CS and they said no.

I paid in full the balances on my 2 cards on July 1, 2018, long before the due date. Now, the company is trying to tell me that I owe finance charges for the date of that statement until I paid in full. NO, this is deceptive practice. The statement showed only a balance due and the date due, nothing about extra charges, finance, interest, or otherwise. After reading how other customers have been treated with very long histories with this company, I am only glad I found this out after a year. I no longer want to do business with them and will not pay these 2 charges as it is deceptive and was NEVER made clear. Shame on you First Bank! My other credit card companies treat me very well - you can keep your cards. I have shredded mine now and am done with you.

I’ve had my account with this bank for two years. I’ve never been late never or over my limit and make larger than minimum payments. I recently bought a house in California and to get utilities connected, new accounts and vendors resulted in 10 inquiries on my credit. My credit score dropped temporary because of the inquiries and expenses. By the way, on my credit I have never been late on a payment 100% on time for over 20 years. The drop was only for about three weeks. The bank lowered my credit card limit substantially.

After banking and financing my mortgage for years with FNB, I applied for a HELOC to finance a landscaping project. Not only was the loan officer not helpful in helping me determine the best loan for me, I had to contact her to find out my status as I’d not heard back in 10 days. She told me my loan was not approved despite my stellar credit and payment history of never missing a payment. I felt, having been a customer for over 18 years might have allowed some more counsel on what other options might be available. I got nothing. My family plans on switching our 4 checking accounts and mortgage to another bank that values its customers.

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.

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.

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.

I applied for a Credit Card with FNBO in 2014, I was given a credit limit of 2,100. I used my card twice in 2014, and paid the full balance with autopay which was only like $60.00. I had some issues come up in January with the new house that I bought. I asked for a credit increase of 3,000 from FNBO which was approved. I went into the Autopay section to set it up again, the only option that I was given, was the full balance. Which was on the 1st of February, I went back in on the 8th of February to see what I had for Autopay and saw that it still said the full balance but this time gave me the option to put another amount which I did for $100.00 to come out on the 19th of February.

I have been with First National for years and they have always been wonderful to work with. They are easy to contact and their customer service agents are always friendly and knowledgeable. I only wish all of my other credit cards were this easy to work with. If you are looking for a real credit card that will help improve your credit rating I suggest this one.

I applied for an $11k unsecured loan at 1st National Bank back in the heyday of easy credit (2006) and loose banking standards. When I opened the account, they sent me six years' worth of payment books which are used for submitting monthly payment checks on the loan. During the Financial Crisis in 2008, the bank mysteriously changed my account number on the loan, but the truly bizarre thing was they refused to give me the new account number! So I continued paying on the loan using the payment slips I was sent when the loan was opened. Fast forward a few years to the loan maturity date when I had finally made my last payment on the loan. It was then that I discovered the bank had tacked on an additional $2k in fees on my loan when the account number changed, and they had been charging me a total of $2k in interest on the fees since then!

I have had a card with First National Bank of Omaha for several months. I never went over my credit limit, nor did I miss a payment. In fact, I am on automatic debit. My credit limit was decreased, causing my balance to available credit ratio to increase. This company does not treat its customers well. I have talked to several people at the company, and according to the employees, this is common practice, and there is nothing I can do. What a thing to do to a customer who has paid on time! I do not recommend this company.

I am a very responsible person that rarely makes late payments. This specific CC makes it so hard for you to create an online account and or actually just give them money! I called customer service because my account was locked out... The jerk on the other end was so sassy! Clearly didn't care about his job or my experience. I will be canceling this CC asap!

I have this credit card for about 4 months and make bimonthly payments to always have a clear balance and avoid CC fees/interest. They cashed my last payment and yet, they never gave me my credit line back. It never change even though my payment was posted on their website when I was checking my account. I had very little credit line available. I called and they said that they will clear that in 12 days. I stated that they have cashed my check from bank (pay electronically). "Why are you putting my credit line on hold? Put my credit line to where it should be." They say they need to verify the funds. "Okay, but you cashed it and have my money." Then they asked if there was anything they can help me with. Really?? They had no problem before and now they need to put a hold on??

Worse bank ever. I have a 710 credit score and have NEVER had a late payment in my life. Usually my three bureau score is 800+ but we are building on to our house and utilized special offers on our other big credit cards. We have 0% interest for 18 months with a 70k credit limit. We took advantage of that to build our addition and will move over the balance to a HELOC closer to the offers expiring. I have always paid my monthly bill off with FNBO. I have not used the card in 4 months. I get a letter stating they have cancelled my card and the reason was "Utilization of revolving accounts too high" and "Accounts owed on revolving accounts is too high". WTF??? This bank is a joke. They want customers like me! DO NOT BANK WITH THEM. THEY CARE LESS ABOUT THE CUSTOMER!

I had really good credit, up until I forgot to make one payment. My credit score dropped like 100 points for one mistake. I was told that nothing was going to happen, but yes something did happen. My credit is low now. I'm not worried about that, I can get it up again. If you're a perfect person, and can make every single payment on time, then use this bank. But remember, one little mistake and they will report you as a bad paying client and your score will suffer greatly. Most of the Customer Services woman are like on their period or something. Look if you're in the customer services industry, you should be ready to talk to anyone of any kind. If you're working for First National Bank, don't take things personally. It's the banks fault they have ** sneaky ways of banking for people, not yours. And also remember that you signed up for the job.

I opened a credit card with FNBO in early July and I received it 07/08/15. I activated the card immediately and used it with no problems. I even made my first payment a few days later without issue. Today 07/15/15 I went online to make another payment only to discover that they blocked my online account. I called customer service expecting it to be a simple mistake. I was immediately transferred to Fraud and told that my account was frozen due to fraud concerns. The rep was very rude and condescending to me. She asked to speak to Austin to which I replied that I am Austin and she chuckled like I was lying.

I have a Jeep Credit Card Account. My bill is due on the 15th and I always pay early. I received an email saying my credit card account wasn't paid. Because I paid 4 / 21 for May payment, then I paid 5 / 18 for the June payment they took it for May again because it was too early. They charged me a fee of $37.00 because they did not post to June. Apparently they revise per the statement date and not necessarily the due date. This has happened now 3 times and I've been hit with 3 fees. I told them I am being punished because I make my payments early! I could not speak to manager then was allowed to speak with ** who refused to refund all fees (only 1), or give corporate office number. I closed my account. Let them get customers who don't pay their bills versus pay them early.

They mailed me a letter before I sent the pay stubs saying I had 14 days to respond. If they really want to give the loan in first place they should said ok when they ran the credit check!

My boyfriend called FNBO -- Bellevue location 5 days ago regarding his personal account. There were some disagreements made, and words were said. So, he called another branch to get help, the SaddleCreek branch, and they were able to help him right away. The next day, we went out-of-town and needed to get money out to pay for gas. Our cards were declined and we had to spend over an hour calling different branches and card services to get his card working again.

Last year, for the ease of doing my taxes, I diverted 99% of my purchases through my FNB of Omaha Account. When it came time to download from their site to QuickBooks, I was unable to find anything that even resembled such a download. Call number one told me it was possible and to look in a different place - Nothing. Call number two told me that I could do the download, but only the last three months. I made a special request to receive a 12 month download and then we was told they would send me to a supervisor where we were disconnected and I was never called back.

I have tried too many times to resolve online account login problems. The account has been blocked online for several months. I have contacted CS by phone to resolve and completed the 45 minute process for verification. Afterwards the incompetent CS agent said he would remove the block. That was two months ago. I am going to pay off my credit card and close the account. I cannot tolerate this poor CS any longer.

I was sent an email stating I had charges on my card, that I needed to call and check. I called the number they gave me on the email, fraud department, spoke with them, they told me call the number on the back of the card, called, they told me to call customer service, why I don't know. I called the number, they said the same thing, they just had me going back and forth. When I tried to explain to them, ** says “I'm not arguing with you” and hung up. CALLED AGAIN, THE SAME THING HAPPENED!!!! Finally I called the first number back and was nice and much better. I asked for the Supervisor's name and address and he said he didn't have one. Finally, after I kept saying, this is a business and you don't have an address and name, he made a weird name and gave it to me. Very disappointed!!!!

Absolute worst account management site I have ever seen. I have yet to be able to pay my monthly bill without having to call because of a site error. Customer service reps couldn't CARE LESS!! Horrible experience.

Mom has cancer & a lot of her memory & decision-making were off. Was responsible- paying her bills. I would call online # to pay her bill. It asks for acct and social. Would return back as incorrect. To me it’s just aggravating to me. Didn’t want to bombard her w/stressful issues that I can take care of myself. After meds & chemo & radiation, discussion about discontinuing the card was made. She truly didn't need nor does she abuse it. She ask me again to pay the final amount on card... I agree (kicking and grinding my teeth) to call automated number called and still have the same issue. She had drafts for her satellite radio as well as Internet & alarm. For unseen reason it's been denied b/c of what? It wasn't worth arguing with this bank. Just feel she needs to mail her payment in along with her card sliced in many pieces. I hate them.

This bank doesn't protect its credit card clients at all. I've had two issues in the last year. The first one was a purchase overseas where what I paid for wasn't fully delivered. After going through all the hoops to get a credit they eventually reversed it saying I had to go deal directly with the store. I had already tried to deal with the store and the store refused to resolve the issue.

I had a credit card with them with a limit of $5,200.00. I never paid the minimum and was never late. Two weeks ago, I made a large payment of $3,000.00 online to have some available credit for a vacation I am planning in the Spring. Lo and behold, after they got and credited that payment, they reduced my credit limit to $2,350.00. I was livid because I got no explanation. I called them when I noticed that the limit was reduced more than 1/2 of my good standing account with them. The agent on the phone indicated that she could see no reason in her files why, but they will probably send me a letter because it WAS reduced. I really think this was horrible. I am going to close out this account and never deal with them again.

I have been a member of FNBO for 12 years and they doubled my interest rate because my electronic payment was a day late due to a bank error. That was years ago and they have never lowered it and have refused numerous requests to do so despite an otherwise perfect 12 years of payments. Luckily I don't have a revolving balance so it is not much an issue to me personally.

First National was my bank - very first bank - when I was 18. I did business with them for over 12 years. I was not late on line of credit payments, etc... I was in good standing. I was going through my divorce in my 30s and out of the blue, they called and said they wanted all the line of credit paid in full within 10 days. Long and short, they monitor divorce records and wanted to be the first to collect their money if I was going to be in financial ruin (which I wasn't). I borrowed the money, paid them and decided I would never do business with them again. In addition, I remember they were extremely rude and nothing was negotiable. I held to my promise and never did business with them again until I was recently duped.

Applied for credit card in May 2014. Was approved for $2800 credit limit. Used the card in April to make a $900.00 purchase. And a week later before I even got a statement, I paid the account in full. June 18th I got a letter in the mail stating that my account had been closed because of number of inquiries. I called to discuss and was told to reapply in 6 months! My response was no thanks, I will use my Am-Ex.

I applied for a secured card on May 7th. The response from the company stated that they will contact me in 10-15 business days with a decision. On May 12th the money was deducted from my account, without any correspondence via email or regular mail stating that it was approved. I waited for a credit card, nothing came. I started looking for a CSV number and could not find one. Today, in my research, I finally found a number. When I called, they explained that I was just approved today and that a card will be sent out to me in 7-10 business days. I told them I did not want it because if this is how they handle business, I don't want any parts. They then tell me that I will have to wait 30 business days to receive a refund of my money. I don't think so. The CSV reps were nice in spite of, but the communication of the company is not good at all.

1/1/2013, Bank Of Omaha issued a credit card to me with a $2500.00 line of credit. I used the card for purchases and ran the card to a $2000.00 balance over 9 months. I received a letter on 10/4/2013 telling me they had closed my account, not because I failed to pay on time ($40.00 to $55.00 min. payments due each month, I was sending $100.00 each month), but due to excessive credit inquiries on my credit report, and my credit score was 622. My credit report as of 9/27/2013 gives me Experian 703, Equifax 678, and TransUnion 687. These are higher than they were at the time the credit card was issued. This is pure insanity, and it's in my opinion age discrimination. None of my other credit card accounts with other companies have complained. Please check into this. I am considering an age discrimination lawsuit.

I will try to be as transparent as possible with my explanation of the situation. Recently, my boyfriend took a new job with a decent increase in salary and we were very happy about the situation. Unfortunately, this also meant he would be going nearly 8 weeks without a paycheck as his new job only produces payroll once per month and he is paid for work done the previous month. That meant that for a short time, we would need to survive on my salary alone and considering we have always been a paycheck to paycheck household, we took every precaution to ensure our money was being stretched as far as it could go.

I tried to take money from the ATM, via debit card, which was supposedly a no fee ATM. I got to the final screen, and it gave me the "you will be charged a fee of $3.50, is this alright" screen. No it wasn't alright! I cancelled the transaction. Today, my statement shows a $1.00 charge for "denial". Nowhere was there anything listing the charges for using the ATM, or the fact that you would be charged $1.00 for deciding not to use their ATM. Can you say "utterly ridiculous?"

I tried to negotiate to lower my interest rate to 23.99%. After putting me on hold for about 15 minutes, they said that there is nothing right now and that they can't do anything about it. I negotiated by saying that: 1.) We all know that the rate can be negotiated. 2.) That lowering the rate to 2% will make a big difference for me in order to send more money and pay the debt faster due to the fact that I got a second job. 3.) I have been a good customer for many years 4.) I've always been responsible and made my payments on time and I have never been on default. 4.) I haven't use the cards in few months because I'm serious about paying the balance. Still, I was not able to get anything.

First National Bank of Omaha North Platte took over management of our family trust in 2002; I use the term management lightly. They have done a horrible job except for providing a strong, steady income to their investment arm. We are now at three years after our mother's death, when the remainder of the trust was to be distributed, still waiting on them to complete distribution of the monies. They finally distributed most of them last month, but, gee, they'd invested in a $100,000 bond that couldn't be cashed for a couple more weeks. Never mind that they had no business investing in a non-liquid asset when the distribution has been imminent for several months. The VP sent us all a note telling us the bond couldn't be sold until October 1, but would then be distributed. The lack of professionalism was incredible!

Brief History with First Nat. Bank of Omaha: I've been a customer of theirs for several years (credit card holder). I have always stayed under my limit, made all payments early (never a late payment), pay over the minimum payment and have, in every way, been a superior customer. My interest rate has been 9.99% (fixed). Last year, they tried raising my rate to around 17%, and when I called to complain, they said it was "due to the poor economy." I argued they should not raise rates for consumers who do excellent business with their company, and who have a perfect record with them. After a series of phone calls, they agreed to keep my rate the same.