Consumer complaint received 2021-05-17
Company: FIRST NATIONAL BANK OF OMAHA
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I enrolled myself into XXXX credit card and my account got transferred to FNBO Bank which I wasn't aware of. I was then bugged by FNBO bank on late payments. 

My XXXX credit card was on auto-pay and I initially used to double-check to make sure my payments were going through. My bills were always paid on time by the auto-pay service and when the account transfer happened without my knowledge or my approval I started receiving emails from FNBO bank. I assumed those emails were spam like all other pre-approved credit card emails I get. I got emails about late payments and I thought that was a scam email trying to steal my money. 

I decided to call and check if they were legit and I realized that they used my XXXX credit card info and created an account with their bank and charged me a late fee. The charge was for XXXX $ so I did not feel like wasting my time trying to fight it. They did not transfer my auto-pay information nor charge my bank. They probably decided to make money out of the late fee I guess. I also asked them to close my account with FNBO as it was something I never signed up for. I was pretty much tricked into opening up an account with them. 

The only credit account that was indirectly opened with them was my XXXX credit card and if that would no longer work with the benefits that were advertised I did not see a point in banking with some sketchy bank After all the mess that they have put me through the bank reports that I was late on payments. With the bank trying to get customers to use their cards and trying to scam me I called them to dispute that and they hang up on me. After few more hours of wasting my time, they tell me that I would have to contact all three consumer reporting services and dispute the report. 

How exactly is this legal and how do they expect me to assume that they aren't scammers? If they had all other information about me why did they not have my bank info and why wasn't I enrolled in autopay? Why was I never informed about the change in cards and why was I not asked if I would be fine to switch my account to FNBO bank and lose my XXXX benefits? 

This is literally a stunt to get free customers because that bank is probably running out of business. Why should I be going through all this for a XXXX $ charge that they put on an account that I'm unaware of? 

I'm so mad at them for wasting my time and not doing anything about this. Now I have a card on my report that I never wanted and also a late payment report that would ruin my credit score. I never missed a single payment on any of my other cards and why would I not pay XXXX $ If their people were legit and told me what that was for. Worst part is I still don't know my bank account number at this FNBO bank. 

What are my options here? Doesn't the law protect customers from being scammed? My information was misused here.

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 non-monetary relief