Consumer complaint received 2020-08-04
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020 XXXX  XXXX  solicited me by email to sign up for online sports betting. 
My XXXX XXXX Credit card account had a XXXX  balance. 
I signed up under their promotional and deposited {$500.00} using my XXXX Credit Card. 
I added another {$100.00} a few weeks later using the same card. ( For a total of {$600.00} deposited into my XXXX account from the XXXX Credit Card ) I attempted to place a bet but was prohibited by the XXXX program allegedly because they could not identify my geographical location. 
I did not successfully place any bets using the XXXX program. 
I received my XXXX XXXX Credit Card Statement in XX/XX/2020. 
The XXXX XXXX Statement showed two transactions - one for {$600.00} and the other for {$100.00} in XX/XX/XXXX. Additionally, there were card transfer fees associated with the transfers of {$40.00} ( {$25.00} for the {$600.00} transaction and {$15.00} for the {$100.00} transaction ) I attempted to contact XXXX ( e.g. XXXX XXXX XXXX  ) to cancel the transactions but was unsuccessful. ( No calls answered or returned after leaving message ) On XX/XX/XXXX I contacted XXXX Credit Card company ( FirstBankcard ) and explained that I had not received the services associated with the charges and that I was unaware that there would be additional fees associate with the charges and I wished to dispute the amounts and the associated fees. I was informed that I did not have to make a payment during the process and was assigned a dispute case Number XXXX. I was informed the matter would be resolved within a couple weeks and there was nothing further I needed to do on my end. 

In XX/XX/XXXX I received a followup information request from XXXX XXXX Billing Resolution Services. I completed the questionnaire and returned it via USPS. 

Today, XX/XX/2020, I received a phone call from XXXX ( Recorded line ) of the collections department for FirstBankCard. I advised her that the matter was in dispute and gave her the case Number. 

XXXX, transferred the phone call to XXXX in the customer service division. XXXX requested personal identifiable information from me and since I didn't initiate the phone call I declined to provide it. XXXX advised she couldn't proceed and provided another number for me to call back XXXX, whereupon I disconnected and called the number she provided. The call was answered by XXXX ( Recorded line ). After explaining the circumstances to XXXX she put me on hold then transferred the phone call to non other than the original XXXX that called me in the first place. ( Recorded line ) XXXX confirmed she was the person that originally called me. 

XXXX spoke with her supervisor and then informed me that I must make a payment of {$43.00} to avoid the matter being reported to the Credit Bureau. I informed XXXX that the matter was in dispute, that there are no other charges on the credit card, and that I was told I didn't have to make a payment while the dispute is being processed. Additionally, the money she demanded as payment was related to fees that were associated with the dispute. XXXX said if I didn't make the payment the matter would be reported to the Credit Bureau. We ended the call.

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 monetary relief