Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
In XXXXXXXX of XXXX, i opened secured credit cards with first national bank of omaha and XXXX XXXX, both with a XXXX XXXX dollar deposit each. The {$500.00} on each card. I secured my credit limit of XXXX XXXX dollars. Each deposit is a refundable deposit. In XXXX of XXXX XXXX XXXX I closed both the cards. I paid the cards down enough by XXXX of XXXX  that both of the cards final payments should have been covered by my security deposit. The companies never applied my security deposit as a final payment. Nor did they refund my security deposit. But they claim that they were applied to my accounts. Each time I attempt to dispute these accounts, they changed the dates and the payment amounts. To different days and different amounts inaccurately. These amounts are never the same.So they can not possibly be accurate. There was never a resolution. What's my problem and it just makes my credit worse. I have documentation of my reaching out and of the changes in the payments and the dates. And their absolute refusal to help me achieve resolution. They refused to supply documentation of my full payment history on either account. They do not report my payment history to the credit bureaus, and they only report that it is a charge off that shouldn't be. I'm writing in today to ask that they remove these inaccurate accounts from my credit report as there unfair and unjust. Not only are the credit bureaus in violation of the fair credit reporting act, but their violations are antagonized by the constant misrepresentation, from these companies. I'm not asking for any monetary return. I just want them to be fair and remove this. From my credit report immediately. This letter is my formal demand to have this removed without having to pursue legal action or any form of arbitration. I understand that if arbitration is necessary that these companies would pay more for the arbitration process, then they would to remove these from my credit. Again, these companies are not disclosing the truth. And it is destroying my credit score and making it impossible for me to do things like buy a new car or buy a house or get things at a fair price based on my actual true credit scoring. It is against the United States law to damage me in such a way. It's damaging to my well being.And my financial situation. It has caused me problems in finding suitable housing, and applying for electricity and water services, and generally taking care of my children. It's time for the government 's financial bureau to protect a consumer like me. XXXX, ecXXXX XXXX XXXX XXXX. I've all received dispute letters from me about these. Situations and their refusal to help me it's an absolute atrocity and an embarrassment for these companies. I understand that XXXX. It's just undergone a class action lawsuit for not reporting fair credit already. And if that doesn't say enough, I don't know what does. I believe that it speaks volumes about this company and about they're intent, they're malicious intent, would the consumer report. I can't even understand how the United States allows them to Continue As a credit reporting agency, after they've been found to be guilty, falsely Reporting. I will be forwarding a copy of everything that is done here today to these credit bureaus, To the attorney general, and keeping a copy for myself for further documentation. I will take it to whatever level it has to be taken XXXX make it right at whose ever expense it has to be at because it's been at my expense for the last XXXX XXXX. If you're noticing the documentation that I'm attaching, you will notice that the high credit limit moves up-and-down my balance. And my credit limit, I posted with it, absolutely do not add up or make any sense. Whatsoever and keeps changing and changing and changing on a charged off account. The reporting is inaccurate. It needs to be removed. the reporting doesn't go back to the beginning of the account even. it starts in XXXX XXXX XXXX. XXXX XXXX does not even report my card as a secured credit card and it was. I find it quite impossible or for me. It could go so far over my credit limit.According to them, on a prepaid credit card. You can never be in debt on a prepaid credit card. Because you can only spend up to the deposit that you put down on the card. You can not go over this limit. There should be no possible way for a bad credit report to come from a prepaid credit card, yet, here they are, saying that i'm over double the limit. The whole situation is totally illogical, and so many people are going through it.With these companies and nobody 's doing anything about it. Directly to f n b o an XXXX XXXX, I say you guys should really be ashamed of yourselves and the way you exploit the credit system and destroy lives with these false reports.

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