Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX due to allowing XXXX XXXX to continue to make charges on my personal bank account even after they denied the charges one month prior. On Friday, XX/XX/year> a debit of {$39.00} from Planet Fitness located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, phone number XXXX XXXX was made from my First National Bank of Omaha checking account, routing number XXXX, checking account number XXXX. I did not authorize this transaction to occur as this payment was previously declined on XX/XX/year> and should of remained declined after representing a second time on XX/XX/year>. XXXX XXXX XXXX has continuously hand picked the merchants that they will pay at the customers expense. 

I was not notified that this charge was occurring and if First National Bank of Omaha was going to pick and choose the merchant to pay and which ones they will decline then the customer should have the right to choose which merchant receives their funds. The reason why First National Bank of Omaha does this is because of the partnership they have with XXXX XXXX to continuously charge a customer 's account whether the customer is doing business with the entity or not. XXXX XXXX makes it extremely impossible to cancel their membership as they force the customer to come inside their gym for cancellation as opposed to being able to call or just write a letter of cancellation so that can continue to bill the customer without any resolve. 

This process is unfair to the customer especially if an account was negative to begin with. I am not the only person that this has happened to. There are website complaints that show this is a common practice with larger banking institutions and for that there should be regulations put into place to disallow this type of operation. I never signed a contract to either First National Bank of Omaha nor to XXXX XXXX that said they had the right to continue aggressively attempt to charge my account. This merchant also will not allow you to remove the account on file and First National Bank of Omaha is well aware of this business practice of XXXX XXXX. This is not a merchant of need i.e. car insurance, vehicle payment, housing payment, etc., and yet this is one of the only merchants that are allowed to get away with erroneous charges. 

I called First National Bank of Omaha, XXXX XXXX branch located on XXXX XXXX XXXX, XXXX, XXXX XXXX at XXXX XXXX, on Friday, XX/XX/year> and asked the banker Kelsy ( last name unknown ) if I could place a stop payment on the transaction and was stated I could not. 

I am not looking for a refund as I plan on closing all three of my First National Bank of Omaha accounts, for other horrendous actions I have endured by this organization, however I did want to file this to be placed on record. I however, want XXXX XXXX XXXX to completely stop authorizing any transactions that is not covered by my account on the second representation of funds as this should never be allowed in any circumstances, and I am requesting more federal regulation in regards to how this particular banking institution does business with it's customers. As the screenshots provided show the numbers and the complaints don't lie.

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