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

UPDATE: FNBO responded to my review with the same generic, copy-and-paste rhetoric they use for nearly every negative review—and there are plenty of them. Instead of posting canned responses that pretend to show concern, how about addressing the issues that keep generating so many negative reviews in the first place? Actions speak louder than scripted replies. My experience with First National Bank of Omaha has completely destroyed my trust in this company. Having your credit limit reduced without any clear explanation is frustrating, disruptive, and makes it impossible to rely on this bank. It feels like customers are treated as numbers instead of people. Before opening an account or credit card with FNBO, I would strongly encourage anyone to read the reviews on Trustpilot, ConsumerAffairs, and the BBB. Seeing so many people describe similar experiences should give any potential customer serious pause. A financial institution should reward responsible customers with consistency and transparency—not surprise them with decisions that can negatively affect their finances, credit utilization and even credit scores. If this is how FNBO chooses to treat its customers, it's hard to understand why anyone would trust them with their business. This has been one of the worst banking experiences I've had, and I won't be doing business with FNBO again. I cannot recommend this bank to anyone looking for a reliable financial institution. A company's culture is reflected in how it treats its customers. Based on my experience, FNBO has shown a complete lack of transparency, accountability, and respect. I would strongly recommend looking elsewhere.

Much like many other people on here I started out really liking this card and they gave me a very generous credit limit of $12,000. I have made every single payment on time for over four years. I always pay above the minimum payment. And about six months ago, my credit score went down 10 points because I had some vet, emergency bills and put them on a credit card. FNBO dropped my credit limit. My credit score went back up after I paid that debt off and they increased it back by $1000. Last month I paid off $28,000 in debt my score went up to 750. And today I got a notice that they dropped my credit limit to $200 above what my current charges are. So now I am at about 98% utilization on that card when I was under 20% to start with. So apparently with this card company, if you pay off the majority of your debt and raise your credit score by 30 points, they decide to lower your credit limit instead of increasing it like every other company. Once this is paid off, I’m not going to be utilizing it anymore.

I contacted BP gas card from FNBO in mid April about a billing error. It is now June and my concern has never been addressed. Useless customer service.

Awful bank, we were not able to set automatic pay, and we did it online, it didn't apply, then they reported our account late to Credit.

Customer service needs training! First I am told that FNBO doesnt do something that happened to my account (and I had a letter stating that they did it) and when I called to address it I was told that they did not do it, but rather I did it myself. My card is paid off...Why would I make more online payments? But Debbie and Jessica swear FNBO doesnt just make their own payment but they did and did send me a letter telling me they did it. When I tell them I have a letter from FNBO stating they did this, they argue and will not let me talk to anyone higher saying that they will put in a ticket but there are no guarantees. Apparently when they are proven wrong they will not admit it and correct it...they blame the card holder! Cute! I have a high credit limit and ready to close this account for the dishonesty and lack of professionalism that the CSR displayed. Use another credit card company...DO NOT USE FNBO...DO YOUR RESEARCH...THEY HAVE A HISTORY OF THIS JUNK!

If I could give them a zero star rating, I would. They have played games with my balance for so many years that I've decided I'm done with them. I paid that card completely off to almost 2 weeks ago. And my open to buy is still showing low and not the 1500 it should be. When I called about it, customer service, which is a complete joke. Told me it's being held until tomorrow to make sure it clears. I don't know a bank on the planet that holds a payment for two weeks to make sure it clears. In the meantime, not having that available balance is affecting my credit score regardless of what their customer service people think. I strongly recommend nobody do business with this bank. I did it because I was trying to build my credit and all they're doing now is sabotaging it. Do yourself a favor and go to Capital One if you need help building your credit.

I was issued a FNBO credit card. Had it strictly as a backup card. I never used it. Never gave the numbers to anyone. Never put the card in my wallet. In fact the card is still attached to the letter in which it arrived. Somehow, someone started using the card. Either a bad actor within FNBO or FNBO was hacked (not sure which would be worse. Cancelled the card and was issued a new one. FNBO transferred charges from the old card. Eventually FNBO did an investigation. Which apparently solely consisted of asking the companies if they provided services to someone. So FNBO upheld the charges. - incompetent security -complete failure of fraud protection -complete lie of zero liability -incompetent investigation. I graduated law school with honors. I have an 838 credit score. I do not make allegations lightly. But I personally recommend that no one does business with FNBO.

I have the Amtrak credit card through FNBO. Everything about their customer service is atrocious. Their systems for routine activities (like creating a digital wallet card) are antiquated, requiring a phone call. Their web app is outdated. Their customer outreach is poor, and they don't seem at all invested in making customers happy when something goes wrong. I hope Amtrak switches vendors for this card.