Complaint / Review
First National Bank Of Omaha
FNBO Charged me late fees even though I never was late. Rip-off!

The following is an exchange between FNBO and myself that I sent to the Ombudsman, FDIC.

FNBO
Late Fees will not be reversed as the payments were indeed received late.

John
The payments were never received late. I can document 7 years of on-time payments by Merrill Lynch.

FNBO
Mr. (name removed)'s account was assessed late fees because of a continuing problem of his using the wrong account number when posting his payments.

John
NextCard and the FDIC processed payments to the account for over a year without a problem before the account was transferred to FNBO and I was charged late fees. I should not be penalized because FNBO has an inadequate system that can't handle multiple account numbers.

FNBO
Explanations of the late fees were explained to him on four separate occasions.

John
Explanations of the late fees were explained to me 7 months after they were charged. It took me well over a year to figure what had happened because I never had a prior problem with any account number with NextCard or the FDIC. I had no idea what hit me until I filed a complaint with the OoC.

FNBO
It's the customer's responsibility to change account numbers with their bill pay service, not the financial institution.

John
I did not change the account number because I didn't have to with NextCard or the FDIC. FNBO never notified me, prior to charging me the late fees that the rules had changed and now I was now required to change account numbers. The new requirement occured one year after the credit card was lost.

FNBO has inadequate credit card processing and they never notified me of their inadequacies. I would never have associated myself with FNBO. They should provide the same quality of service as the bank they purchased the account from. That is the only fair and honest thing to do.