Consumer complaint received 2025-09-26 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: MT

Complaint narrative:
In XX/XX/year>, I opened a Scheels credit card through First National Bank of Omaha. I made a purchase at Scheels in the amount of {$380.00}. About a month later in XX/XX/year>, I reported to the company that I had not yet received documentation for the account, including that I had not received a statement. I was under contract on the sale of my home, and was required by my lender to provide copies of statements for this account. I reported to the company I had not received anything, and requested that I receive a copy of the statement rushed to my email, to avoid a delay in closing on a home loan. I received a copy of the statement by email. Due to the issues with receiving initial documentation and the lack of care by customer service when calling to obtain that documentation, I decided to pay the account in full and close it. To this day, I have still never received a paper statement in the mail, never signed up for electronic statements, and only received the copy of my statement by email as requested to satisfy my mortgage lender. XX/XX/XXXX, I received notification that this company has reported a past due balance to the credit reporting agencies. I was never alerted a payment was needed after the payment I made when I paid the balance in full and closed the account. The company has violated the Truth in Lending Act by neglecting to provide a statement to me showing a balance was due on the account. The only statement I ever received ( a copy by email ) was paid in full. If there was interest or fees assessed on the balance, a statement was required to be sent to me, allowing me 25 days to make a payment. This never occurred. Furthermore, the company has violated the Fair Credit Reporting Act by reporting me as delinquent for a balance that was never billed to me. 

The company 's response was that they're allowed to report the late payment to the credit reporting agencies per the terms of the account. I'm not arguing your ability to report to the CRAs. The fact is I was never provided notice that an additional charge was assessed to an account that was paid in full and closed. Without notification of that charge, how was I to know a balance was due? I no longer monitored the account. If I had known a small amount of interest or fees had been assessed, I would have paid it or called to have it resolved, rather than allowing an insignificant balance to negatively impact my perfect credit rating. You can not neglect to fulfill your duties to alert your customers in writing of a balance due, and then penalize them for not paying a balance they know nothing about. You can correct this now and avoid negative press about your company, or you can leave the inaccurate negative reporting and deal with a valid uproar of my concerns on every social media platform, with every governing agency, and in person with every person I come into contact with. This is not going away.

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