Credit card -- Trouble using your card -- Complaint #8233049
Complaint Overview
Complaint ID: 8233049
Company: First National Bank Of Omaha
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Credit card company won't increase or decrease your credit limit
State: California
ZIP Code: 92530
Date Received: 2024-01-26T12:00:00-05:00
Date Sent to Company: 2024-01-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened an account with First National Bank of Omaha ( FNBO ) on XX/XX/XXXX and they ran my credit and I was approved for {$8500.00} dollars. As of XX/XX/XXXX FNBO decreased my limit to {$3700.00}. I have a balance owed of {$3300.00} with an available balance of {$320.00} Which by far has trickled a BAD RESULT with all credit companies CREDIT COMPANIES. If I apply for credit I am denied ENDLESSLY and they have RUINED my CREDIT FOREVER. FNBO decision was not based on non payment or late payments. FNBO decision was based in part on a scoring system that was used to predict your creditworthiness? This was all started by First National Bank of Omaha The reasons are : : : : Total monthly payments on open credit card accounts Current payments amount as % of amount due Number of revolving trades with a balance NEVER BEEN LATE ON ANY OF MY CREDIT CARD PAYMENTS WITH First National Bank of Omaha OR FOR THE MOST PART ANY OF MY CREDIT CARDS. IN ORDER TO OPEN AN ACCOUNT WITH XXXX THEY RAN MY CREDIT AND MY SCORE WENT DOWN AND I HAD AN INQUIRY STAYED ON MY ACCOUNT FOR 2 YEARS? Attached bank statement from XXXX of XXXX and letter from them showing decrease in credit limit. They have definitely been successful with RUINING my credit by decreasing my AVAILABLE credit. What justifies them to decrease my account balance if I do not have non payment or I am not late on my credit card payment?
Frequently Asked Questions
What is Complaint #8233049 about?
Complaint #8233049 was filed against First National Bank Of Omaha regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2024-01-26T12:00:00-05:00.
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) 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.