Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #6715935
Complaint Overview
Complaint ID: 6715935
Company: First National Bank Of Omaha
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Confusing or misleading advertising about the credit card
State: Florida
ZIP Code: 337XX
Date Received: 2023-03-18T12:00:00-05:00
Date Sent to Company: 2023-04-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was purchasing XXXX tickets and when I went to pay, they offered an XXXX XXXX that offered XXXX points if you applied for the card and spent {$1000.00} in the first 3 months. So instead of using my XXXX XXXX to pay, I applied for the card, was approved, and purchased {$1800.00} in tickets. Less than 24 hours later, they started offering XXXX points for the same transaction. I contacted FNBO bank that issues the credit card and explained that it didn't seem fair that had I waited less than XXXX hours to do the transaction I would receive double the points. The customer service rep agreed and said unfortunately they don't handle the reward points so I would have to contact XXXX for them to help. She provided a number for me to call XXXX, which I did. I explained to the rep what occurred and she said unfortunately since I signed a contract for the card there was nothing that could be done. I said since the promotion just started technically couldn't I just cancel the trip and close the card and just re-apply for the card, since it was less than XXXX hours since I signed the " contract '' and she said she couldn't guarantee they would honor the promotion since they offered it to me already. I explained none of this seemed fair so she escalated it to a leader. The leader said she understood it didn't seem fair and she would escalate it to see if they could make an exception, and someone would call me to let me know the decision and no one has responded. I just don't believe this is fair. Major department stores offer guarantees that if you buy something and it goes on sale shortly thereafter they'll match the lower price. Why isn't there a consumer protection for what happened in this instance? Just like the XXXX hours you have to cancel a contract, why isn't there a similar grace period for promotional offers?
Frequently Asked Questions
What is Complaint #6715935 about?
Complaint #6715935 was filed against First National Bank Of Omaha regarding Credit card or prepaid card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2023-03-18T12:00:00-05:00.
How did First National Bank Of Omaha respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against First National Bank Of Omaha?
Yes, visit the First National Bank Of Omaha company profile at readthecomplaint.com/company/first-national-bank-of-omaha to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.