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

I had a FNBO Credit Card for a few years. When I stopped using it they sent me a letter that they would close my account soon if I didn’t use it. I didn’t use it. Nearly a year later they sent me new cards. I called to close my account and got the run-around to one person after another – all foreign speaking and hard to understand. They presented me with one “offer” after another – commercials for products I do not want. I turned down 2-3 of them, and their pressure tactics, reminding them I just want to close my account. I finally kind of yelled at the lady and said I don’t want any more commercials or offers – just close my account. She hung up on me. 10 days later I got a letter that I had enrolled in an identity theft protection plan – YourIDSolution, (that’s ironic) and they had charged my card $3.95 trial membershsip, and it would increase to $21.95 after 15 days. I called this company and asked for proof that I enrolled. She said I had given my name, address, email and credit card to accept the offer on such and such a date – the day I called FNBO. They are canceling my subscription and crediting the credit card, but I still haven’t been able to close the credit card account. In my estimation FNBO is a fraudulent business.

FNBO's credit card service is a disaster—incompetent reps, unresolved issues, abysmal communication, and glitchy systems. Amtrak must return to Bank of America! FNBO is a nightmare. Avoid at all costs!

FNBO just took over my Flagstar credit card account and within days I needed to call customer service for a "service fee" on my account that I have never had to pay in my entire adult life. The guy who answered in the customer service department was a rude jerk who would not help me and when I asked who else I could talk to about this issue, he told me no one and hung up on me. Absolute worst service I have ever experienced, stay away from this company

The credit card management change over from Elan to FNBO by Flagstar has so far been a total NIGHTMARE. Convoluted, mile long web addresses delivered by a phone bot, overly complicated instructions on how to navigate the changeover, inability to set up a new online business account with FNBO, inability to pay my cc bill online, a weird delay in the start date for using FNBO's newly issued Flagstar Visa cards. Bad. Really, REALLY BAD. I closed both of my business checking accounts with Flagstar last year because of repeated breaches. I'm planning to close one business CC account with Flagstar/FNBO, and will probably move the other business CC account to different bank.

The staff at FNBO is the only reason we have stuck with this bank since it bought over our local Wyo State bank. If you have a business account and have any desire to move money around or use any basic functionality tools that any other online banking would have.....it does not exist. The online banking webpage is literally from 2010. The most progressive thing you can do is send money through Zelle. Oh wait, you also cannot do that if you have a business account. They need to stop popping branches up everywhere and spend money on their own platforms for customers.

poor customer serbice over zealous fraud department

This is one of those Spinal Tap situations where my rating goes DOWN to -11. Flagstar / NYCB deserves some of the blame as well. I had been a happy credit customer of Flagstar for 1-2 years. Flagstar transferred its customers over to FNBO. The way this was handled was..I will be polite and say "disappointing." I've got a number of complaints. As far as I know, this is what is happening to everyone and not based on anything I did wrong. 1. FNBO is completely changing the cashback structure of the card to something much worse than I had with Flagstar. I have no option to change this. 2. FNBO is reevaluating my credit limit. (This one is not so bad in my opinion but add it to the list.) 3. The communication was terrible. The only notification I received was by mail. Nothing by phone, email, or in the credit card web interface. Not even a "hey, expect something in the mail." 4. It's a whole quest to find someone to talk to about this. Customer service from my existing credit card doesn't even know what's going on, despite the fact that FNBO told me there are things I need to do on the old card before it switches to the new card. The communication from FNBO does not have a general number to call about the transition or any good contact for FNBO, other than the number to opt out of data sharing. 5. There is a secret number to opt out of the switch entirely, but that number is not listed in the communication I received. 6. That number to opt out of data sharing secretly works to talk to someone at FNBO about the transition, but when you call it asks you for your card number and your old card number doesn't work. (I won't get the new card for another month and half, which is too late for reasons I describe below). The only way to get any information is to spam "0" until they send you to a human. 7. The humans are not very well-informed about the transition. They also don't have any good resources. The rep I spoke to was supposed to have a resource for answering questions, but the "link was broken" and pointed to a different resource. I asked whether my card rewards structure was changing, and the rep said that no, it was not changing. After more questioning, the rep said oh, actually it is changing. 8. According to the communication I received from FNBO, I have 30 days to opt out of data sharing. The communication also says that I can opt out of data sharing at any time. However, that's a lie. When I called the data sharing opt-out number, I was told that I cannot opt out of data sharing without the new card number. I won't receive that for another 45 days. So they will have a free 15-day period to send my info out to anyone they want despite the fact that they claim I can opt out at any time. 9. Back to the part about how they are making my card way worse: You might think that this is somewhat understandable because FNBO doesn't offer any cards like what I have with Flagstar. However, it appears that they are switching me to a rewards structure which they didn't previously offer, which they call a "Flagstar Signature Visa" (confusing because Flagstar offers multiple Visa Signature cards, but whatever; I guess this is the generic one). So if I'm right about that, then the point is that they DID go through the effort to set up a new rewards structure for transitioning clients but CHOSE not to make one that's actually any good to accommodate those clients. But let's say I'm wrong about that, and they are just repackaging an existing FNBO card. They are giving me no option to choose which FNBO card I transition to (confirmed that with customer service at the data sharing opt-out number after the automatic prompts tried to trick me into thinking I couldn't do anything). I'm not saying that they did anything illegal (or that they didn't), and I'm not saying I'm surprised. Just saying it's bad, and much worse than my experience with most other banks.

I had my secured credit card closed for no reason. Then when I requested my money back as I did not owe them any money, the bank told me that it was sent out to my attorney's office in my name, as I asked him to get involved. What the bank did was mail my money not in my name but in my attorney's name to his home address, and his wife cashed the check, and I am still waiting for my money, and the bank would not supply me a copy of the cancelled check or omit to their error or try to correct it. I am a disabled person and I have leukemia. This is not acceptable.