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

When I came here to write a review, I had no idea that this bank would have 85% negative 1 reviews. I'm here to add one more. The problem with FNBO is that THEY have problems within and they make it IMPOSSIBLE to speak with a competent employee who can straiten out your issues. Even though the payments are made early & electronically, their system must be outdated if not annoying because they send out emails stating that the payments have not been received. When I have gone thru the drudgery of using their phone system to find out WHY I am receiving these messages, it has only brought me to someone on the other end who was not at all competent or even helpful. All I was asking was why are you sending me late notice emails when in fact it is clearly on record that FNBO has received my payment and they have NO ANSWER. Yes, the payments have already been entered properly but they leave you thinking that something has gone wrong and the payment has not been received. WHY would anyone want to deal with a financial establishment that cannot even post on-time payments???? It's ridiculous and certainly not worth the time and aggravation required to follow up every month to CORRECT THEIR MISTAKES. Find another bank and you will be much better off. I will probably receive the same apologetic response that I have read in the other reviews with no real solution, only pointless apologies. Interestingly enough, this "bank" replied with the same email address where I received the lousy service before. They STILL have offered no better solution to providing any type of reasonable "customer service". It seems to me that they just don't care!

Statements have not been being delivered and interest was charged, they refused to remove it even though their mailing system is fd up. Don't waste your time even applying for a card or make a bank account here. They're shìț

Had a card stolen and replicated that led to a number of charges. Canceled the card and ordered a new one which had fraudulent charges on it BEFORE i received it. Have had zero customer service other than their fraud department will be looking into which can take up to 60 days.....WHILE they have posted the obviously fraudulent charges (600 at one service station on same day) to MY account. NEVER have experienced such a poor response to fraud. What can the bank do better? Provide customer service and not just AI generated responses here.

I’ve been with this bank for years. I am withdrawing/closing all of my accounts due to an experience I had attempting to recoup money from a scam charge thru Venmo. As Venmo told me to talk to my bank I did. I received no correspondence until I went to the bank where I was told that it was declined because I “willingly gave the money”. Which is literally every single online purchase- it is an act of faith where you expect to get the product or service you paid for. When I called the fraud department they told me they cannot reverse a third-party charge. Which is not true. So which reason is it? If I call again will I get a different answer? I don’t do business with banks that don’t treat their customers right. They could have reversed the charge- they just didn’t want to

Stay away from anything with this bank. Customer service can NOT answer anything. Declined on a simple credit card which has never happened in 50 years for me. No debt, good income, own home and customer service can not tell me why. Go elsewhere for any banking.

I had a balance made on time payments and out of nowhere they drop my credit limit which had a negative effect on my credit report

Shopping at Farm and Fleet, the checker said if we apply for a store credit card, we'd get a discount, so my husband applied. After that, he made 1 purchase on the card. When it was time to make a payment, we tried to set up his payment method on his online account. No option for credit card, so we had to type in his checking account number. Well, he's never had checks so we couldn't look at that. We put in his account number as we thought it was and then made a payment. 3 days later, it gets returned. We were one zero off. So we tried again and it got sent back again (one zero off on the other side). We called their help line and they tried and it didn't go thru. We contacted his bank and finally we got the account number just right and the payment went through. Lucky we started early with all the 3-day delays on returns. His first payment was made on time. First of all, the website for the online account is terrible! You have to go down to the bottom of the page and click 'Contact Us' to get to the secure messages. If it says "New message waiting" you click on it and you get an error. Bad design and not working! After his bill was paid in full, FNBO charged him a $25 fee for "Dishonored payment". REALLY?!? Several calls and messages we made showed that we were just trying to initially set up his account number. Even though we went paper free, the 3 times that the payment didn't go through our bank, we got a nastygram in the mail saying our account could be suspended. Then we got a paper bill for the $25 fee, so we followed the instructions on the back to dispute the charge. 30 days later, nothing. 60 days later, nothing back from them. We went back to their awful secure messaging and sent another message saying WTF? It worked for once and we got a reply. They said that we were lucky they didn't charge us three $25 fees! REALLY?!? I thought by disputing the charge and explaining what went down, they would be reasonable and return the ridiculous fee. We only used the card for 1 purchase and then paid it off in full before the due date. But instead of serving the customer, they got greedy and stole $25 from us! For NOTHING! If you get asked to apply for a store card and it's FNBO, don't do it! Terrible website, terrible customer service, and they will steal from you by charging you fees for nothing. If you dispute any charge, they will not get back to you.

No disclosure of ‘required’ info before applying for a credit card. Complete waste of time. This company wants me to provide a copy of my signed original Social Security card, the last 2 year's 1099 forms copy of my license with my current mailing address. Not only it's just ridiculous that I can't send this electronically but my license doesn't have my current address, I do not have my Social Security card. What I do have is 830 credit, impeccable record, zero negative anything on my report for 20 years. This is beyond ridiculous and the reason for the one star review is because none of this being ‘required’ was disclosed prior to applying for the card. Complete waste of time and now a ding on my credit report. Forget this company. And by forget I think you know what I mean. edit: in response to their garbage reply, it’s almost like you didn’t read what I wrote. You accepted zero responsibility for your awful process and it appears you will continue it. At no point did you properly disclose, as in print clearly during the application process (not buried in some bs terms and conditions) what you expect of people. So, again, your company is awful.