Consumer complaint received 2025-11-14 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:
This company has violated the Truth in Lending Act and the Fair Credit Reporting Act, and responds to me as if the late reporting that was caused by their violation is my fault. As if I neglected to pay a {$10.00} invoice and so I should have to suffer the late reporting. Their assertion is untrue, and I will continue to report this to the governing agencies until someone listens.

I pay my credit card balances in full, every single month, to avoid interest. I check my accounts religiously, and prior to his incident, had a credit score over XXXX. The company asserts they sent me statements, and that is untrue. Per 15 USC Chapter 41, Subchapter I - Section 1637 ( Open end consumer credit plans ), subsection b, statements are required to be sent with each billing cycle. The company neglected to send me statements. Even prior to the late reporting, I reported to the company I had not received the initial statement for the account, nor had I received the credit card. This was reported in June. Due to the company 's inability to send me required documentation on the account, and their handling of the concern when I reported their negligence, I decided to close the account. I paid the account in full at that time. Per the company 's report, they later charged me interest and billed the account for the interest. I had no knowledge of this, as to this day, I have still never received a single statement from this company. I received one card via rush delivery, after I had reported that I never received the initial card, nor any statements, in the mail. Prior to receiving the rush card, I didn't have a full account number. I used the full account number from the card to create an online account, and paid and closed the card. Had I received notice that another payment was due, I would have either paid the bill in full, or called the company to request the amount be waived, as I had severed all ties with the company due to their inability to adequately provide service. I never received a statement, and was only alerted that a balance was due when my credit score dropped. Prior to this event, I had 0 late payments. I was in the middle of selling my home and buying a new home, and never would have let my credit be impacted by a {$10.00} bill. The truth is, I never received notice of an outstanding balance, as the company is required to provide me, and give me adequate time to make a payment, prior to furnishing negative statements to the credit reporting agencies about my payment history. 

The company claims they don't have any returned mail. This is not sufficient proof that statements were sent to me. I never received them. My address was correct, as evidenced by me receiving the rush card by XXXX. I have attached evidence that my score was over XXXX prior to this incident, as well as evidence that around that time, I paid another credit card balance in full for nearly {$3000.00}. I pay my credit card bills in full every month. I would not let a {$10.00} invoice tank my score. The truth is, the company never got me a statement, as is required for them to do. I don't know what the issue was, but it was not on my end. I will not have inaccurate late reporting on my report when I was not provided an invoice. I will pursue this until I find someone at the company who's head isn't full of air, or I will contact every regulatory agency possible. If nothing is done, I will litigate. This is the reason consumer protection laws are in place, and someone must be done about this company who did not follow requirements!

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