Consumer complaint received 2017-10-24
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMPLAINTANT 'S ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE OF COLLECTION NOTICE : XXXX XXXX, XXXX ACCOUNT NO.-LAST 4 DIGITS- XXXX Current Bal. : {$3000.00} PAYMENT : {$480.00} Two months ago, I wrote to XXXX XXXX XXXX XXXXXXXX, Disbute address : First National Bank of Omaha, XXXX XXXX, XXXX, XXXX XXXX, after phoning numerious times to Customer ServiceXXXX ( XXXX ) XXXX, concerning a " BOUNDED PAYMENT OF XXXX XXXX-made on-line ) on XXXX XXXX. Also XXXX, recieved a payment via my bank on XXXX XXXX, XXXX {$35.00}, which was my regular minimuim payment requirement. 

NO RESPONSE FROM XXXX XXXX XXXX Disbute Department. 

I phoned XXXX, to state I did NOT AUTHORIZE NOR SEND THIS PAYMENT OF {$420.00}, but did claim the payment of {$35.00} as mine that I authorized my banking instutuion to send on " bill pay '' schedueling. 

I explained, This payment must of been issued by my Trustee, unknowingly to myself. For if I knew, Trustee would be sending such a hugh payment, then I would not of mailed my {$35.00} payment requirement. I then asked XXXX, why did XXXX do a CHARGE-ON TO MY ACCOUNT, WHEN I DID NOT AUTHORIZE THIS PAYMENT? XXXX explaination was they did not do a charge on, but an reverse charge. I stated if a reverse charge was done, then my balance WOULD BE NOT OVER LIMIT. XXXX insisted she was correct, but statements and collection notices state otherwise. 

I made my last phone call to XXXX XXXX XXXX XXXX on this date of XXXX XXXX, XXXX, Once again stated to go after Trustee whom bounced the payment, XXXX added payment as a charge on to my account plus additional fees and late charges onto this amount now claiming to also be owed to XXXX., while I continue to make my required monthly payment, NOW EXCEEDING THE REQUIRED XXXX per month regular monthly payment that XXXX, keeps attaching to my account, due to a fraudulent payment I DID NOT AUTHORIZE! 

COMPLAINTANT 'S CHECKING ACT-Ended in XXXX. 

TRUSTEE : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX ( XXXX ) XXXX TRUST CHECKING ACT # ending in XXXX. 

TRUSTEE and I exchanged : " XXXX '' on-line information previously, because I asked that this credit card balance be paid in full several times in the past. I assume XXXX, recieved their respective balances. 

Since my last request to Trustee, went unanswered. Found out, Trustee had put a " BLOCK ON HER CELL PHONE '' TO BLOCK MY INCOMING PHONE CALLS & TEXT MESSAGES. I UNKNOWLY DID NOT REALIZE THIS WAS PLACED AGAINST ME OR WHY. 

Then out of the blue, I saw that payment of {$420.00},  come to my account, and in " Good faith '' that Trustee, was comitting a " Good Will Gesture '', by sending an additional payment. Later found out, by watching XXXX  cell phone App., this was not the case., which prompted me to phone customer service, and write a letter to disbute this charge on payment that XXXX did not respond back on but rather to go directly into collections piling on hugh fees and late charges onto a payment I DID NOT MAKE, SEND, AUTHORIZE, PROOF IS MY REGULAR PAYMENTS STILL BEING MADE OF MYSELF EACH MONTH. 

TRUSTEE HAS BEEN CAUGHT SELF DEALING OUT OF 2 TRUSTS IN OUR FAMILY.

First F.A.S.T. Investigation into stolen trusts had been closed, due to insuffficent documentation. But recently and on this date has been reopened for further investigation by : DISTRICT ATTORNEY 'S OFFICE COUNTY OF 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, CA XXXX Phone- ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX There is nothing more I can do, nor discuss because XXXX XXXX XXXX refuses to discuss this matter as a disbute issue and XXXX XXXX XXXX blantly and addamently wishs to presume monitary gain of unjust fees, interest, late charges to promote their consumer into bad credit ratings, just to make a buck.

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