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

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.

Horrible Customer Service, No Feedback, and Rude Responses. When I expressed my concerns, the response was dismissive, stating that as a private bank, they can do as they please with my money.

jainish patel! he has spectacular costumer service. I visited on my birthday to deposit a check, and a week later i received a letter in the mail from Jainish Patel. He wrote a handwritten note to me wishing me a happy birthday and thanking me for making FNBO a part of my day. Jainish Patel is very dedicated and deserves to be recognized!

Would not recommend this card to anyone. Crappy everything. There are a lot of cards out there without the BS. Would not waste your time with this one. Get a reputable bank card. Made All my payments on time. Set up auto pay, and set it up too close to the due date and the payment was literally paid one day after due date, and I revised a $40 fee, which I did not complain about, it was ultimately my fault, but then they lowered my credit limit to just above what I owed on the card. Pretty crappy. I have 100% payment history on my credit report and this is how they treat you. The card is paid in full. I will never use it again. It does not cost a dime to be descent. And I will no longer give them a penny of my business.

Was trying to obtain a home equity loan, which in retrospect probably wasn’t going to work for what I wanted to do with it anyway. Spoke to “Sara” who informed me they couldn’t approve the loan as my credit score was too low by about 6 points. Based on the credit info she had at that time, that was a legit decision. However, I was in the process of getting a rapid rescore for my credit and I tried to explain the new score should be back later that day. She just kept repeating that a certain credit bureau was what they used and they had to go with that info. Yeah, I get that, but what about later? The rescore was considerably higher. I passed that info on to my initial contact (did not have Sara’s info unfortunately). Info may not have been passed on to her I suppose, but there was definitely no call back. I found Sara to be polite, yes, but she was also dismissive and was either not listening or just didn’t care. I’m sure everyone at FNBO isn’t like that, but I would not use them in the future. Even my initial contact wasn’t as friendly as I’ve known her to be. They both made me feel rather stupid (ok, I don’t know anything about this stuff, so yes, I probably did sound stupid). I also felt embarrassed by my situation; I had asked Sara about some credit card balances to see if they reflected the balance after I paid them down or if it was still the old balances. I wasn’t disputing the info she had, and yes, I had credit cards with high balances before I paid them down, but the way she “discussed” this with me was abrupt and she seemed way too eager to get off the phone. I felt as if I were ridiculous for even asking about this loan. Again, I was embarrassed. I know our perceptions can be off sometimes, so even though I felt like I felt, I’ll cut her some slack. The not listening part was the big issue. I don’t care that I didn’t qualify for the loan at that point, but ma’am I’m trying to tell you that my circumstances were about to change. Finally I just thanked her for looking into it and ended the call. The whole call left a bad taste in my mouth so I will not plan on working with FNBO in the future. There’s plenty of other banks etc to go to that don’t have a Sara.

Had a Mary Kay FNBO credit card for a year and got to the full limit then paid it off. then i went to use some for my business after paying all but 1000 off and they said they are refusing my money for 20 days!!! What????? how do people do buisness this way? very disappointing!! will be closing it asap!

I recently applied for a MGM casino credit card through FNBO and got denied, called to get it reconsidered as my Fico is 852 and got denied a second time. Called they verified everything, even sent me a text. Still denied. What a joke these people are.