Consumer complaint received 2023-11-04
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I recently filed a complaint ( XXXX on XX/XX/2023 regarding my credit card. 
First National Bank of Omaha has submitted false information in response to your inquiry! I also recently learned FNBO was fined {$32.00} XXXX dollars for fraudulent credit card practices. 
I am enclosing documentation evidencing their false statements. 
FNBO first notified me they were reducing my credit limit which was without any justification. I have always made on time payments in the full amount posted on their online banking website. 
Next I received notice they were increasing my interest rates based on a lower credit score of XXXX when in fact my credit score is XXXX and has been as high as XXXX. Documentation enclosed. I get my credit score from another credit card institution for free! I'm also entitled to free credit scores as a result of a " breech '' of personal information from another source. 
Finally, they start harassing me about a recent payment in XXXX claiming I did not make the payment when in fact I did on XX/XX/XXXX. Due date was the XXXX or XXXX as I have 3 cards from this same institution. 
When I inquired, their response was a minimum payment issue, I paid {$250.00} because their website indicated a minimum payment of {$220.00}! 
They claim it was {$310.00} at that time which it was not according to their website. 
Now that I have filed a complaint with your agency, they informed you my minimum payment was {$270.00} ... ... ... .They are LYING!!!!!! 
I have complete documentation regarding all of my issue as I learned many years ago to always get receipts, documentation, and every other possible piece of evidence when dealing with American corporations! We never had these issues back in the XXXX 's ... ... .then came the XXXX 's and now we live in a world of corruption! 
I want any and all negative credit reporting removed as my payment was on time, higher than the minimum payment posted, and not as FBNO claims. 
My opinion given their recent credit card history, is they lowered my credit limit without merit and raised my interest rate as an excuse to advantage the bottom line of the bank. When I protested, they then began the " payment issue '' so as to post negative information on my credit report effecting my ability to access credit. They are right back at the same practices you just levied a {$32.00} XXXX dollar fine against!!!! 
https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please use ( XXXX ) XXXX for home phone ... ... ... your website won't allow me to " edit '' it to make the correct change! 
Please use XXXX XXXX XXXX XXXX XXXX, Fl XXXX as the correct mailing address!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation