Consumer complaint received 2017-02-18
Company: FIRST NATIONAL BANK OF OMAHA
State: AR
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have been a XXXX guest member for many years. In XXXX I received a CC offer from First Bankcard ( XXXX XXXX ). I was given a {$1000.00} limit. I live in XXXX. In XXXX my daughter was traveling in XXXX, XXXX. I authorized one night 's charge on my First Bankcard ( XXXX XXXX ). I was assured my # was not going to be given out. The receipt would have the last XXXX of the card # but that was it. XXXX was the person at XXXX XXXX who helped me. They allowed my daughter to charge 2 nights. I told them to rescind and tear up the approval, and that I would handle the 2 nights but NO MORE. XXXX assured me it was taken care of. My daughter XXXX XXXX is a XXXX and has lost her way. I have only talked to her sporadically over the last 8 months. She left that hotel and went to a cheaper one. I was able to use the card for anything. I have been building my credit for several years and would buy gas or meals here, where I live. I paid on my account every 2 weeks. On XX/XX/XXXX, when I tried to log into my account it was locked. They use genealogical questions for security. I did n't really think anything except I am old and have many passwords. I had to call in and speak to a rep. She got me logged back in. It seemed like my balance was higher than it should have been, but not much. I paid my payment ( never minimum, always more ). Two weeks later, the same thing happened. I was locked out of my account. When the attendant got me back in my balance was over {$1000.00}. I freaked out. She informed me more charges were pending. It was at the XXXX, XXXX. They canceled my credit card and put in a fraud report. Saying they were going to issue me a new card. I paid my payment, of my legitimate charges which were at that point about {$200.00}. I am a XXXX XXXX member and log in every two weeks. That is when I saw that they closed my account, and then upped my credit limit to {$1300.00}. That was the amount of the balance after the fraudulent charges. The next two weeks I called in a check payment because I refuse to log into the online system now. The next week on XXXX XXXX I notice they added the new maxed out card and my closed account. I still have n't gotten the card. I called up XXXX. She said, " oh there is lots of fraud, your complaint is just taking a long time. '' I have made many calls and every 2 weeks still make a payment. I just got a letter denying the fraud because I approved charges for 1 night in XX/XX/XXXX. I did not authorize any charges in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, or XX/XX/XXXX. I did not give my daughter her own card. If I was allowing her to use my credit I would have issued her a card. Someone from First Bankcard and/or XXXX made her an agent of my credit. Not me. I am a genealogist my daughter knows all of our relatives. She still should not have been given access to my credit. No one ever called me. They allowed the charges to go over the limit and now they say it is " family fraud. '' I have legal shield through work, and am going to try to file a police report from here in XXXX, XXXX, because I was unable to file one in XXXX. I have attempted to contact the hotel but get the runaround. The fraud department from First Bankcard called my place of employment and left a lengthy message, the case number and who they were. I have never been delinquent or in the wrong, I can not believe they put my business out there like that. The manager XXXX ( XXXX ) called XXXX day XXXX/XXXX/XXXX during work hours and left a message on my cell, I have not been able to make contact with her. XXXX ( XXXX XXXX ) has given me the runaround and hung up on me before. At this point, I am stuck paying enormous interest and a fraudulent bill. My attorney is going to help me, but I did n't do anything wrong or risky. XXXX and 1st Bank erred.

Company response to consumer: Closed with explanation