Complaint: This is the copy of a letter I sent to First Bankcard. I have had a Bankcard Premier Edition Mastercard since 1999. I bank through and have an automatic bill payment set up. Because of the day falling on a weekend in September, my payment was pushed to the next business day which made my payment late by two days. Your response to that was to raise my rate from 13.99% to OVER 30%! I have consistently paid my bills, I have held your card for almost 10 years and by being a few days late, not 30 days, mind you, 2 days, you charged me a late fee and more than doubled my percentage rate. THIS IS RIDICULOUS. The late fee is there to penalize late payments and I have no problem with the fee, although your steady increase of the fee and the amount of the fee now is completely over-the-top. However, to MORE than double my percentage rate is unacceptable. I realize that the economy is not doing as well right now and that this is an automatic thing that happens when someone is late. However, it is stupid, short-sighted and lost you a customer, a lot more money and I will tell everyone I know what a horrible company you are. To raise the rate of a customer who has consistently paid you on time for 10 years is an asinine move. You should think about your automatic policy in the future and LOOK AT PEOPLE'S HISTORY OF PAYMENTS and remember that people who DO have good credit will not tolerate you raising their rate to an astronomical level. People who have good credit have MANY options for their business and don't have to deal with a company such as yours that does not value their custom! ers. It is policies such as these, raising the rates of people who already cannot pay AS WELL as raising the rates of people who can and always have paid who will then take their business elsewhere, which has lead to many companies in your industry GOING BANKRUPT. If you continue to do business in this manner, I am sure you too will follow the same route. Just to be fair, I did call and ask for the rate to be lowered, which it was lowered back down to 13.99%. However, I have several credit cards, and this is the highest rate that I currently have and they acted like they were doing me a huge favor. The phone representative also threatened me with the ominous, "If you're late again, we can raise your rate even higher than 30%." I do not accept a company threatening me. I then called to ask to speak with a manager who had no sympathy, made no efforts or offers to save my business and basically accepted that he had lost a customer. Again, this is a sure-fire way to lose business and money. How about 5% for the life of a balance transfer? How about an intro rate for 2 years of 2%? How about refunding some of the exorbitant "Finance Charges" you charged me when you jacked my rate up to 30%? Because I'll tell you something, I had over $5000 with your account that I have since moved to another account. And I am closing my account wi! th you. So you will be getting 100% of nothing. I am no math genius but 5% of 5000 is a lot better than 100% of nothing. Thank-you very much,

Complaint: I have written a complaint to the BBB in Omaha Neb call them this scumbag company raised my rates from 7.99 to 24.99 for no reason.I have a credit score of 716, always on time .I am so sick of this, dont know what to do.We have to pay for defaulters, that stinks.I closed this acct, but keep it, so I may stick pins in it, as in making it a voodoo doll.This month, just raised it again---for a lousey 3.00 wow! This is a definate sign of bad things to come---maybe my voodoo worked.

Complaint: I opened an account with fnbo 2 years ago with a balance transfer offer. I paid my payments on time (sometimes even 2 payments per month). I always pay online and asked them several times for the option of having my minimum payment taken out of my chk account. They claim they sent me a form via snail mail. I have a rural address and have trouble getting mail. I kept asking them to fax the form or make it an option on their website. Over Christmas I flaked and was a couple days late with a payment. My rate went from 9.9% to 31%! I complained and was told they would review! my account in a couple months. This is robbery, plain and simple. They refused to help me so I transferred the balance to another card. I will NEVER use fnbo for anything ever again and I suggest others not use them either.

Complaint: Security answers rigged to thwart access into account to be paid online. So you have to find the time to call them a redo the whole thing so you can get online to pay your payment. If you don't, God forbid you might be late. And please don't send it by mail as it will be conveniently left in a mailbox until it is overdue. You can send it Certified but that gets costly, but it might be worth it until they find a way around that. From 4.9 to 13.9 to the moon I suppose. Too many people in too many pockets too bad. Good people are being destroyed by these above of law entities. Good payers becoming bad payers or no pay! ers because of these usury banks. Congress where are you? Are you listening? Do you care? You might when there are no people able or around to pay. What then?

Complaint: Ah, The good ole credit card scammers! First National Bank of Omaha raised my interest rates from 9.9% to 28%. I immediately went out, spent the last $900 that was on my credit limit, and then I called them and threatened to NOT pay them until they lowered my interest rates. After two calls and NO HELP (they refused to lower the rate) I called again with a nicer tone. I had a "Gina" offer me an interest rate at 6.9% with a 1% payback per month on my balanced owed. I asked for this in writing and she agreed. She even allowed me to "skip a monthly payment" because I told her I couldn't afford the $300 payment because they refused to change that amount. Don't let this bank BULLY YOU! Speak your mind and YOU WILL GET RESULTS! I promise you! They will NOT allow you to charge on your card and will close your account, but who cares? I thought ahead and maxed out my card BEFORE I called in. You see, whats good for the goose is good for the gander. You want to raise my rates then I will max out my card because I knew they would close my account. FIGHT FOR YOUR RIGHTS! DON'T GIVE UP! This goes for ANY credit card! Two others tried the same scam on me. I just told them lower it, or don't get paid. I told them that it may be easy for them to try and scam an old lady or someone that just doesn't care and accepts their rates, BUT They met their match! DON'T BACK DOWN!

Complaint: This outfit was recommended to me by Bank United. They are a bunch of scamming thieves. They invent charges , suspend your account without notification and in my case have $2500 deposit which they have yet to return. Their staff is rude and unhelpful. DO NOT USE FIRST BANKCARD

Complaint: My experience echoes the others. Been with them for 15 years, always paid on time, no mistakes, etc. Paid off balance every month, only credit card I used. Our credit rating is stellar. Last year, we suffered a job loss and used this card to make ends meet for a few months. At the time the interest rate was 6%. Out of the blue, last April, I received a 'change in terms' notice from them. Without reason given, my interest rate would triple. I didn't opt out as I wanted to keep the account open as it's my oldest account. In hindsight, I should have opted out! They flat out REFUSE to lower my rate, insisting I have the base rate they offer. My reward for being so loyal and paying them on time consistently for 15 years was the middle finger! It is completely unethical (yet completely legal!) to charge these rates. From what I gather, tgey are able to charge as high as 32% interest legally. It's obvious the politicians like having the cc companies on their side. Stay away from this company at all costs.

Complaint: Recently this card company sent out, I got one, letters in the guise of advertising a 0% interest "opportunity" for its card members. I almost threw it out promptly thinking it was just junk mail from my card company. The thing is, it was not an "opportunity" at all. It was an ANNOUNCEMENT of an AUTOMATIC institution of a 0% deal starting the very next time I used that card. So that meant that those who didn't read the letter in its totality would be UNAWARE that this 0% deal was being instituted automatically, without giving them a choice to accept or reject it, and if they had a balanc! e prior to that point it would just sit there and accrue interest while the company applied any new monthly payments to the 0% credit purchases only. Deceptive practice to say the least, if not outright fraud.

Complaint: This is not so much a complaint as it is a warning to credit card seekers who have good to excellent credit. I applied for a 0% purchase card and was approved the next day. Ten days later the card arrived in the mail. About a week after that I got a letter requesting two years of tax returns, recent pay checks, and utility bills. I had 20 days to forward those materials or risk account closure. I called and asked the rep about the point of being approved when I wasn't really approved. She gave me some song and dance about company policy bla bla. I asked why those requirements weren't listed on the card application on their web site? She repeated the same bull. Anyway, they're not getting my tax returns or paychecks. Too bad some transactions have to be deceptive. It just bothers me that they effed around with my credit score in this manner (i.e. increase then decrease in a span of 30 days). It's not like a good credit score is easy to come by these days.

Complaint: This bank is obviously out for a buck any way they can make one. Customer service is non-existent. Don't take advantage of their low introductory offers as they will eventually find a way to hit you with late charges, increased interest rates, etc. After a perfect credit history with them for two years, we were one day late with a payment. They changed the due date window without warning by over a week. We always scheduled our payment to get there one week early. This was during the summer when we were on vacation and had scheduled our payments electronically while we were away. Any other bank or! credit card company would extend a courtesy adjustment under the circumstances. A call to the bank resulted in a curt "absolutely not" answer when asked for a one time allowance for this situation. They charged us $39 and raised our interest rate from 2.99 to 13.99. We immediately went to our bank to send an electronic payment to pay off the loan, and guess what? They refused to give our bank the routing number necessary to make this transfer. Our bank manager was furious. He said they had never had that happen before, and it was entirely uncalled for. We were sending them money, not receiving it. I'm sure this policy is in place so that anyone who tried to get a payment in at the last minute will end up missing a due date and have to pay another late fee and possibly another increase in interest. Fortunately, we had funds to pay off the loan and plenty of time and the bank sent a cashiers check to pay it off. Those who are not in that position are stuck in a nightmare. No! w we are waiting to see what underhanded trick they will pull next. I will call every day until the payment is posted. And our bank is also keeping track of the payment progress. Stay away from First National Bank of Omaha.

Complaint: I have had a credit card with First National Bank of Omaha for 28 years. On my December statement my interest rate suddenly jumped to 29.99% without my notice. I called First National Bank and requested the account be closed and to pay off the balance at the 11.9% rate I was paying. First National Bank refused to allow me that option. They falsely stated that notifed me of the rate increase. I want to close the account and pay off the balance at the old rate.

Complaint: They went up 4% on my credit card saying they mailed something to opt out to me in Sept which I never received and only found out this month when I see it on my bill. They refused to reduce the interest rate and let me opt out even though I closed the account.

Complaint: It feels great to be screwed right b-4 the holidays by a bank. i know the tarp just can't cover all the bonuses these thieves in customer service will receive this year. first bankcard is screwing more people than me. i sent a payment on the 20th which was due the 28th. got my statement and had a late fee and a finance charge show up. when i spoke to the supervisor who was trained by the taliban he explained that my payment came in one day late. once that happened everything i purchased within that month, even if it wasnt due to be paid yet, all of a sudden got hit with interest. ! my suggestion is stay far far away from first bankcard. they suck and have no moral fiber.they're bloodsucking bastards.merry fn xmas first bankcard and a crappy new year to uall

Complaint: PLEASE, PLEASE, send your complaints to the Office of the Comptroller of the Currency who oversees National Banks. The more people who file complaints with them and the Better Business Bureau of Nebraska, the more likely we are to see these types of "family-owned" businesses exposed for the true leeches they are. The web address is: http://www.occ.treas.gov

Complaint: This company is BAAAAAAAAAAD Warning Warning My husband opt out in July 09 then again in Sept of 09 because they said we had to tell them close account when we opt out. We faxed opt out 2 times. We have all notice and opt conformation. Now this time. This is January 2010 and They raised his rate from 13.99 to 30.00 We have not missed any payments or been late ever!!! Account is closed due to opt out.He called several times no help we even talked to the person who closed the account and he said dont matter not a law yet. We said this part of the law took effect Aug 2009 he said no it did not. We can raise your rates even if you opt out as long as we notify you 45 days in advance. We sent notice in Oct 09. So we opt out in July09 we opt out in Sept09 another notice was sent in Oct09 they say everytime you get a notice you must opt out even if you already did. WHAT?? Be very careful

Complaint: I've had a credit card with First National of Omaha for about three years. My interest rate was 7.99%. I receive my statements electronically and pay monthly through their website. I don't really look at the electronic statements, as they are identical to what I already see on the website. Well, turns out that in August 2009 statement they printed a notification at the bottom that my rate would go up to 19.99% in October 2009. I had an option to opt-out by closing the account and paying it off at the existing rate of 7.99% (also troublesome that I would have to do it in writing, while my other ! companies made it available to opt-out by phone). Since I did not check the statement, I missed the notification. All of my other cards send me a notice in the mail when such a change takes place and I have electronic statements with all of them. Not First National. I missed the deadline and only learned of it a couple of statements later when suddenly my financial charge went up quite a bit. This is not fair. I carried a $3,000 balance and would most likely close the account to avoid paying the high rates. Now I am stuck. I called their customer service who said they could not do anything since now I was officially locked in at the new rate. I asked to speak to a supervisor with whom I tried to reason that it was not fair, since I was never late with payments, carried a balance and was a good customer to them overall, and why would they just sit quietly and wait to jack up the rate instead of sending me a courtesy reminder by email or regular mail or even through ! a courtesy call. He only listened and said there was nothing he could do. Needless to say, my opinion about First National changed tremendously. I will try to pay off my balance as soon as I can and will never use the card again so not to give them any more business. I will definitely tell my friends NOT to use them at any cost. That is why I am here too, typing away, to let everyone know of my really bad experience.

Complaint: Same thing... Never missed a payment, after paying off a half of my balance they sent me a notice saying that they are reducing my credit limit, and right after that they suspend my account for 6 months. Does not make any sense, as I was never late and actually just paid half of my balance off (in this case other credit card companies I bank with increase my limit and talk me into transferring balance from other credit cards)...anyway I e-mailed them, I didn't try to be nice and actually used slurs in my e-mail, told them that I will pay the balance off in 2 months so they can go and fuck themselves, because I will call them and close this worthless account after I pay it off (this is exactly what I told them). Highly don't recommend to bank with this company.

Complaint: I had a balance of $5000 on my FNBO mastercard. I know this is high, and alot of folks point fingers and tell me I was stupid to have such a high balance. Be that as it may, i had never missed a payment with ANY creditor and had a credit score of 720. then, I got sick - 2 major surguries within 6 months. I had nearly $250,000 of medical bills, of which i owed nearly 10% ($25,000). I was unable to make the minimum payment, so they raised my interest to 32%. I tried to work with FNBO, but they wouldn't budge. They ended up taking me to court, the won the case, of course and garnished 30% of my take home pay. I nearly lost my house becuase of it. NEVER do business with this bank.

Complaint: My wife and I have a First National Bank of Omaha Visa and have had it a few years. We never really use it as it's for emergencies only. We have had a zero balance for the past two years. In my last statement they charged a $50 dollar annual membership fee that we never agreed to and have never paid in the past. Upon calling to request it be reversed, the A hole customer service rep says "You were sent a notice and we won't reverse it." In response to this I am POSTING THIS NOTICE: Beware of unscrupulous credit card companies such as First National Bank of Omaha. First National Bank of Omaha SUCKS