Consumer complaint received 2021-04-16
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a XXXX with first bankcard. Recieved it in XXXX. I set up autopay through my bank, and paperless statements. I work two jobs, so I set this up for convenience, that way I didn't expect to ever need to look at balances, statements etc. I have used this card 4 times since I got it. 2 times in XXXX, and 2 times for gas in XXXX. It is my emergency use card, so I never touch it. I recently checked my account and saw that I've been getting charged 2x a month since XXXX of XXXX. I never looked at this card balance, bcuz it should have been paid in full a long time ago, so I didn't even bother to look at the statements. I called them immediately upon seeing this. They closed the card and started a fraud claim. They sent me a letter denying my claim, stating that these were purchases I made, based on what the company charging me has on record for personal info. This is NOT legit. They claimed at first that no one uses a hacked card to make monthly payments, which is false. That has happened to me before with my own banks check card. These companies that have billed me are almost all specifically XXXX. And in almost every case they have billed my card the exact same amount, no matter what company is charging me. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX. All of these companies have billed me the EXACT SAME AMOUNT of 44.62. 2x a month I was billed 44.62 by at least 2 of these companies. I have dug up as much info on these companies as I can, but they are all very obscure, with very generic ( and frequently the same XXXX websites. It looks like most are third party online payment processes. XXXX is a website called XXXX XXXX, which is a website by and for women. I believe from what the homepage is, it's soft core romance stories. But seeing as how I'm not a woman, this doesn't make sense why I would have given them 44 a month since XXXX. One business has been billing me for 2 different XXXX sites, but I wrote the names down when this first started and can't recall them now. One was interracial XXXX and one was about XXXX housewives. Once again, im definitely not into interracial XXXX, and have never visited ANY of these sites until I started investigating this. XXXX has the same site management address as XXXX  XXXX XXXX XXXX  has numerous complaints about ppl getting billed for purchases they never made. XXXX, XXXX XXXX XXXX XXXX all have the same XXXX address. And none of that makes any sense to me. I have never subscribed to any XXXX site, I don't know why anyone would. Theres plenty of free stuff out there if I had any interest. 
Yes, I do realize that I have been getting billed at least 89 a month since XXXX, and because I'm an XXXX and believed the bank would protect me from fraud, I never looked at my account. Why would I need to when I have autopay of XXXX set up, paperless statements, and have only used the card 4 times total, and the last times were in XX/XX/XXXX for 34 dollars in gas, and XXXX of XXXX for XXXX in gas, so it should have a zero balance. I do understand that I SHOULD have looked at my statement, but I never expected I NEEDED to. This is a card I only had for emergencies, or large purchases, so I never bother to look at it. If there's any way I can dig up what sites I have visited in the last few years, I will gladly show that as proof that I have never ever been on XXXX XXXX XXXX XXXX XXXX XXXX, the other two I mentioned earlier, or any of the other sites I've been getting billed for that I haven't found info on. All these sites? All billing the EXACT same amount? Most from the same location? 2 that have ties to one another 's address, but are 2 completely different things? Numerous complaints for charges customers have never made at a few of these places? Half have the same generic contact page, down to the images on it, but ABSOLUTELY no other info? I've never even HEARD of any of these XXXX XXXX  companies, businesses or anything, let alone visited any of them. I have lost sleep over this. I've spent HOURS investigating this. And yet my credit card company is saying they are legitimate purchases, based on the fact that that these companies have some limited info on me. Please help me. I've already lost over XXXX because of this. 
Thank you, XXXX XXXX

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