Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: ND

Complaint narrative:
to Contact and Fix the Issue : I contacted FNB Omaha XXXX XXXX XXXX and disputed the account per claim XXXX on XX/XX/XXXX Submitted FTC Report Number XXXX XXXXXXXX after discovering fraudulent account from collection agency letter/phone call on XX/XX/XXXX. Submitted FTC Report Number XXXX XXXXXXXX after XXXX XXXX decision. Filed Police Report XXXX XXXXXXXX with XXXX Police Department on fraudulent account creation with FNBO. XXXX Consumer Financial Protection Bureau complaint XXXX XXXXXXXX to the CFPB ( closed with no action taken towards FNBO ). Submitted complaint on XX/XX/XXXX, against FNBO with XXXX  Attorney XXXX XXXX. ( Pending further response from FNBO and XXXX ) Complaint Description : FTC Report Number : XXXX - XXXX FTC claim on this issue : XX/XX/XXXX. I received a call from XXXX XXXX from XXXX XXXX XXXX XXXX stating that I owe unpaid credit card balance of {$5400.00}, from a FNB Omaha XXXX card. He asked if I had a card ending in XXXX, which I do not have a card ending in that number, nor do I have knowledge of an account with FNB Omaha in my name. I contacted FNB Omaha XXXX XXXX XXXX and disputed the account per claim XXXX. We then called XXXX and started a dispute for the fraudulent account. Then we called XXXX and created a dispute and credit alert XXXX, the dispute number was XXXX. Lastly, we contacted Equifax and created a dispute, XXXX, also creating fraud alert XXXX. XXXX FTC Report Number : XXXX XXXX FTC claim on this issue : Today on XX/XX/XXXX, I received a letter from FNBO XXXX XXXX stating they investigated and deem that they believe there was no fraud with the FNBO account created in my name. It was not and is not my account, someone stole my identity last year and created this FNBO account. I also found out a XXXX XXXX  was opened in my name along with multiple XXXX  accounts that I didn't open, but those financial institutions deemed the accounts fraudulent, aside from XXXX  decision. XXXX  previous fraudulent account along with others were removed from my credit reports earlier this year. But according to the recent letter from FNBO, they have decided to add the fraudulent account back onto my XXXX XXXX. Since FNBO is denying there was a fraudulent account created in my name, we are seeking further assistance with federal, state and local governments to hold them accountable. My husband, XXXX XXXX, called the XXXX Police Department on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX. ( XXXX XXXX ) & spoke with XXXX XXXX XXXX, Police Report XXXX XXXXXXXX filed with FPD. CFPB complaint XXXX XXXXXXXX initiated on XX/XX/XXXX. I did NOT apply for this credit card. 
XXXX XXXX : In regard to this fraudulently created FNBO credit card account ending in XXXX that was fraudulently created in my name : * * Please Close the unauthorized account that was fraudulently opened in my name. * * Remove any charges associated on the unauthorized & fraudulent account that have been unfairly deemed owed by me as they should not be owed by me. * * Take steps to remove information about this account from my credit files with the XXXX major bureaus. As the negative report on my credit reports is a result of identity theft against and is illegal since it was a result of identity theft. * * Annotate that the recent Charge Off to Collections was not legal as the account was not legally created by me, but it was created by someone else illegally, goods and services obtained were obtained by criminals. Remove the Charge off and close the fraudulent FNBO account, remove my association to this account and remove my responsibility to pay it.

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