Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I contacted First National Bank of Omaha ( FNBO ) regarding transactions that had a value that I did not authorize, upon communicating to FNBO that the transaction I did not authorize had deducted an unauthorized value from my account with FNBO, FNBO representative did communicate false information to FNBO against my will specifying to FNBO that my card had been lost or stolen when in fact I did not report my card lost or stolen, my card was in my possession and I was disputing a transaction.

Upon logging into the FNBO website, the online banking system indicated that I had a {$0.00} balance to pay.

Inaccuracies in accounting and false reporting in accounting are very serious and I would like fore this circumstance be handled with delicacy as FNBO has failed to service my account with accuracy and that is illegal.

Any FNBO representative communicating false banking information to FNBO is liable and should be held accountable for any mistakes made. 

I was later, on a separate date told that my account had been closed. 

Proof that account balance showed a {$0.00} balance is provided with this written communication. 

Additionally previous to the account being closed the appropriate protocol to have followed specific to a card being shut down is to provide a new card to account holder and FNBO not only closed the card without my consent, authorization, permission and did so against my will, FNBO employee also falsely reported that my card was lost or stolen and FNBO has failed to issue a new card post the false report and previous to the closure of the account.

FNBO thus is in violation of 817. FALSE ENTRIES ( 18 U.S.C. 1005 AND 1006 ).

This issue is not yet resolved and FNBO should not have reported or continue to report late payments or any negative information to credit bureaus due to FNBO failing to service my account with accuracy. 

Please contact me at your earliest convenience pertaining to this matter. 

I am unaware if FNBO historically has had a documented history of other examples of financial inaccuracy in reporting yet I certainly am making best effort to report false accounting on behalf of FNBO and fraudulent behavior on behalf of the FNBO employee/representative that reported falsely to FNBO information that I did not detail.

I find this circumstance to be either negligent or intentional and I am not accountable on behalf of FNBO for FNBO representatives nor any singular FNBO representative failures in accuracy and accounting.

FNBO customer service representative made mistakes and reported inaccurately.

FNBO website indicated I had a {$0.00} balance to pay and I conducted no transaction after website indicated {$0.00} balance ( I have an image of the account from the FNBO website explicitly stating that the balance on the account was {$0.00} with a {$0.00} Minimum Payment Due Date as XX/XX/2021 with Balance of Last Statement listed as {$0.00}, Available Credit of {$0.00} and Total Credit Limit of {$3100.00} ) yet FNBO has sent the account to collections.

FNBO failed to provide proper response to account transaction dispute.

FNBO failed to provide me with a new card after illegitimately shutting down the card I had in my possession.

FNBO closed my account without rectifying errors in accuracy in reporting regarding card being reported as lost or stolen by FNBO representative without me reporting card as lost or stolen.

FNBOs failure to service my account with accuracy has caused unnecessary complications and should be held accountable.

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