FNBO (First National Bank of Omaha)Reviews of fnbo.com

We have been on time with payments and we had a 7k limit and they decided because our credit score dropped ever so slightly, to lower the credit limit to all but just $100 over our current balance!!!! Oh, and customer service was telling us it wouldn't have an effect on our credit score to lower a limit more than $5k!!!!! This has affected our credit score. We will pay the remaining off and will NEVER do business with them again. Loyalty doesn't seem to matter and this bank is garbage

Scammiest bank I have ever seen.

When calling to check about lower interest rates, because I get offers all the time to transfer open balances for a lower rate. I was told that I could not get a lower rate. This does not seem fair for someone with outstanding credit scores, and a long time card holder. No one was willing to look into this matter either. If you can offer incredible transfer fees. Why not offer lower interest rates to long time card holders. This can increase happy customers and keep them as customers. Sometimes life gets hard and balances buildup because of this. Having lower interest rates can help them out. Up until a year ago, I never had an outstanding balance. But several things happened and now I am working hard making several payments a month to get my balance paid off. What can be done to help.

I boarded the FNBO Amtrak Rewards card train with cautious optimism and a paid annual ticket, ready to earn travel points and cruise through credit bliss. Two years later? I’m still standing on the platform holding a useless card, no rewards redeemed, and a fresh hard inquiry for the audacity of requesting a limit increase. I wasn’t denied for poor credit -- my score was over 800. I wasn’t maxed out, late, or risky. I was just, apparently, too optimistic. Which is wild considering they approved my card in the first place. Bold of you, FNBO. But the best part? When I initially applied for this card, the application duplicsted and they pulled my credit twice. All due to a glitch in their system, that I was neither warned about nor compensated for. So now I have two inquiries, no increase, and a renewed commitment to never recommend this card to anyone who values their credit, time, or sanity. Amtrak may run late, but FNBO? They never even showed up. I’ll be closing this card before the next annual fee hits like a ghost train of regret. Until then, it sits in a drawer next to expired receipts and other things that once had potential.

As someone who's had a stalker steal my mail, I'm LIVID that FNBO would mail a replacement cards THAT'S ALREADY BEEN ACTIVATED BY THEM! How IRRESPONSIBLE can you get???

Just as soon as I logged FNBO.com on my phone (I do not use apps) a popup message came up blocking my entire screen with a "Go Paperless Today" advertisement. There were (2) "soft keys" to enroll in paperless BUT NO KEYS to get rid of the advertisement and you could not "swipe" out of it. Your Customer Service Associate kept trying to tell me there was a "soft key" to exit out of the advertisement. THERE IS NO SOFT KEY TO EXIT THE ADVERTISEMENT when I log in on my phone. Your CSA was not interested in reporting this "bug" or accepting any responsibility in reporting it. I CANNOT LOGIN TO MY FNBO ACCOUNT ON MY PHONE. PLEASE FIX!

Difficult to find somebody to help you to find your account to find your account number to find out what you owe what your final payout all these questions I’ve never got any answers not happy with them at all bad online bad over the phone. I’m gonna pay my account off sorry but I have done business witha lot of people. This is one of the worst companies ever. And never deal with these people again.

FNBO refused to correct a banking error that incorrectly debited my account. When I requested assistance and asked them to correct the banking error and return my money to me, they gave me the runaround, passing me to multiple customer service representatives, each of whom were totally incompetent and who refused to address the issue. Even after writing a letter to their CEO about the issue, they refused to address my concern. I then contacted the Nebraska State Attorney General's office, and after that, FNBO responded and corrected their banking error. Based upon my experience with this business, I do not recommend using them. That is my opinion.