Consumer complaint received 2024-12-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
This company bough my Loan from XXXX XXXX and are breaching my contract for prepayment. 
See emails below : From : XXXX XXXX XXXX Sent : XXXX, XX/XX/year> XXXXXXXX XXXX To : Support XXXX Subject : Fwd : Error in extra payments. Loan XXXX Hello. Per your request Im sending from my registered email account. 

Ive submitted extra payments and they were not applied correctly. Please fix as per my contract agreement any extra payment goes towards principal. Im requesting proper adjustment of any extra interest improperly calculated to be refunded. 

My loan is XXXX In XXXX I submitted a {$1000.00} payment, all should go towards principal Please see below of all extra payments that needs to be addressed. 

*IMAGE OF BILLING STATEMENT WITH MARKERS OF INACCURATE BILLING* Ive also noticed that my scheduled monthly payments were deleted when I scheduled the extra payments for XXXX. Please fix to have my scheduled monthly payments remain uninterrupted from my extra payment. 

Thank you XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- On XX/XX/year>, at XXXX, Support XXXX wrote : Dear XXXX, This email is to inform you that have made multiple scheduled payments and all of which have been posted successfully. However, this is causing the due date to shift forward, resulting in no autopay being charged because the due date shifts forward before autopay due date. We would request you to make payments on the schedule due dates so that autopay can be charged along with any additional payments if made any. 

Furthermore, the payments are first applied to the due amount. Once the due amount is satisfied, any remaining payments are allocated to the principal. From the payment history, we can see that many payments have been applied to the principal after the due amounts were satisfied. Similarly, the {$1000.00} payment was first applied to the due amount for XXXX, and once the due amount was satisfied, the rest was allocated to the principal. 

Slice by FNBO is 100 % digital - all account activity and information are available online within the XXXX XXXXXXXX XXXX XXXX. This is a mobile friendly site and is accessible via mobile browser. 

Please refer to below FAQ link for more information ; XXXX XXXX XXXX This request will be closed at this time. Please contact us if you have new information to provide. 

Contact us with any additional questions at XXXX. Our email support team is available Monday Sunday XXXX XXXX XXXX XXXX XXXX XXXX ( except major holidays ). We will be glad to assist you! 

Email Security : Financing provided by First National Bank of Omaha. Protecting your privacy is FNBO 's priority. If you are concerned that you have received a fraudulent email or would like to report a suspicious email, please forward the email to XXXX. 

Regards, Slice by FNBO XXXX XXXX -- -- -- From : XXXX XXXX XXXX Sent : XXXX, XX/XX/year> XXXX XXXX  To : Support XXXX Subject : Re : FNBO XXXX Request - XXXX Hello Unknown Person in support team. 
I never deleted any auto payment, for a matter of fact I cant. If your system did : That is your SYSTEM 's fault. I would recommend you recalibrate it and add manually the monthly payments missing by the faulty system. I am not penalized to do as many extra payments as I wish and on the days I wish as per my contract. As well the due amounts are satisfied monthly and charging extra interest is inappropriate and illegal. I will request you assign a CPA or someone qualified to manually- if needed- to fix this billing statements. 
I should see my interest payments be reduced, not increased on my monthly payments. 
I will also remind you that it is your financial duty to assure ALL and not most of my extra payments go towards PRINCIPAL as per my contract, failing to do such will be a breach of contract and I will be in need to report your company to Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau, as well as potentially seeking legal action towards this billing dispute. 

Sincerely, XXXX XXXX XXXX XXXX -- -- -- - They called me XX/XX/XXXX and left a voicemessage. 
I returned the call and the agent wasn't available but let a message with a coworker stating they couldn't do anything about it and I should make my extra payments on the same day I XXXX my regular payment and refused to fix the billing. I didn't agree to this so she stated XXXX would call me back tomorrow. 
She called on XX/XX/XXXX and left a voicemessage stating she was going to be out of town for the holidays and then proceeded to send me another email stating that they would close my ticket due to non reponse. Which is all ridiculous.

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