Checking or savings account -- Managing an account -- Complaint #9928998
Complaint Overview
Complaint ID: 9928998
Company: First National Bank Of Omaha
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Illinois
ZIP Code: 605XX
Date Received: 2024-08-26T12:00:00-05:00
Date Sent to Company: 2024-08-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Regarding Past Due Credit Card Payment : XX/XX/year> - Spoke to " XXXX '' at FNBO approx. XXXXXXXX XXXX. and explained there was a Direct Debit for {$1200.00} that I, XXXX XXXX or XXXX XXXX ( account owners ) DID NOT AUTHORIZE. After a long awaited Deposit from one of our Clients, the money was much needed since my XXXX ( XXXX XXXX ) is battling XXXX XXXX XXXX XXXX. We have not been able to fully meet our bills due to the unforeseen circumstances. XXXX wasn't able to assist us so she transferred us to " XXXX '' at XXXX XXXX. XXXX and I, still confused as we thought the transaction was some sort of fraud transaction as no one could provide details. We then asked " what '' was the transaction and to please return it. XXXX could not assist us as well. Around XXXX. she then proceeded to say " Booking Department '' stated " XXXX XXXX '' authorized the transaction. We have NO CLUE who " XXXX XXXX '' is and have yet to receive our funds. XXXX XXXX- We received a letter to " Pay the past due payment ( s ) '' on the Credit Card stating " what '' the {$1200.00} transaction was. Not aware how the figure came about and still puzzle who authorized it, we proceeded to verify our Credit Card statements to see if any further payments had been deducted in the past. We noticed FNBO had taken excessive amounts of {$30.00} transactions in the past WITHOUT OUR APPROVAL. I know this isn't a reason for us knowing the past {$30.00} debits, but my wife 's health took us out of our normal routine and the small amounts weren't noticed. Nonetheless, this doesn't give them permission to debit our account WITHOUT APPROVAL. We couldn't find anywhere on the website or any Disclosures outlining this is protocol. Yet, FNBO continues to call and threaten us about payments. We expect our money back. There are protocols for settling a Credit Card Debt and they DID NOT go that route. They are bullying our Checking Account for payments and we expect every XXXX back. DESPERATELY, PLEASE HELP.
Frequently Asked Questions
What is Complaint #9928998 about?
Complaint #9928998 was filed against First National Bank Of Omaha regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2024-08-26T12:00:00-05:00.
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 (Checking or savings account) 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.