• Report: #1041990

Complaint Review: First National Bank of Omaha

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  • Submitted: Tue, April 09, 2013
  • Updated: Wed, April 24, 2013

  • Reported By: Fred A — Fairfield California
First National Bank of Omaha
1620 Dodge St. Omaha, Nebraska United States of America

First National Bank of Omaha First National Bank PRE-APPROVED CREDIT IS A LIE AND A SCAM! Omaha, Nebraska

*Consumer Comment: Which is it?

*Consumer Comment: Just Curious

*Author of original report: First National Bank is a Predatory Credit Lender

*Consumer Comment: Could you be right?

*Author of original report: They?

*Consumer Comment: Were they just teasing you?

*Author of original report: Something really has you worried here doesn't it

*Consumer Comment: Get over it, move on.

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Do NOT apply for a VISA or Mastercard credit card from First National of Omaha!

I just made the mistake of applying for a credit card from these dumb crooks because the offer they sent me had Pre-Approved written all over it!  

So they PULLED MY CREDIT REPORT and then DENIED credit outright FOR NO REASON!! 

Now that they have pulled my report, I WILL HAVE TROUBLE GETTING A CREDIT CARD FROM A REPUTABLE COMPANY BECAUSE MY CREDIT REPORT WAS ALREADY ACCESSED BY THESE STUPID MORONS AND I WAS DENIED CREDIT WHICH WILL ALL APPEAR ON MY CREDIT REPORTS NOW when other credit card companies look me up!!

There is nothing wrong with my credit, and they said I was PREAPPROVED (see picture). I have paid all of my existing credit cards 100% on-time 20 years running. [continued below]....
..... I have Never missed a single payment. My mortgage payments are also perfect. Never missed a payment

I will use ALL PUBLICITY CHANNELS AVAILABLE to show everyone my credit history and First National moronic denial of credit:

PULLING PEOPLE'S CREDIT REPORT AND THEN DENYING THEM CREDIT AFFECTS THE VICTIM'S ABILITY GET CREDIT FROM OTHER COMPETENT AND LEGITIMATE SOURCES AND I ASSURE YOU WILL BE HELD RESPONSIBLE FOR THIS FIRST NATIONAL OF OMAHA!

I am certain others have been through this same ordeal and I strongly suggest filing a complaint with the CONSUMER FINANCIAL PROTECTION BUREAU: http://www.consumerfinance.gov/
at least letting them know what is going on even if they are too incompetent to stand up to these BANKSTER DATA THIEF CROOKS that are holding our financial system hostage with their stupid agendas. 

This report will remain here until I have been compensated for inconveniences and losses related to your damaging my credit report with false advertisement and bogus "Pre-approval" claims as well as time wasted in filing for this report and preparatory work.

Keywords: First National Bank of Omaha American Express Card,First National Bank of Omaha GraphiteSM American Express Card,First National Bank of Omaha Discover Card,Maximum Rewards Platinum Edition Visa Card, Platinum Edition Visa Card, Platinum Edition MasterCard Card, Secured Visa Card

This report was posted on Ripoff Report on 04/09/2013 05:56 PM and is a permanent record located here: http://www.ripoffreport.com/r/First-National-Bank-of-Omaha/Omaha-Nebraska-68197/First-National-Bank-of-Omaha-First-National-Bank-PRE-APPROVED-CREDIT-IS-A-LIE-AND-A-SCAM-1041990. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
3Author 5Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Which is it?

AUTHOR: Robert - ()

They also appear to specialize in "secured credit"; That's when they
force the applicant to pay a large sum of money so that they can borrow
their own money whenever they use their credit card - and oh yeah they
have to pay the same interest rates and fees for borrowing their own
money!

That is what a secured card is-secured with prepayment.  Actually this is called a pre-paid card because the customer MUST have funds on the account.  Further, pre-paid cards DO NOT CHARGE INTEREST-there are administrative fees, but not interest because it is NOT CREDIT.

A secured CREDIT CARD can be secured with other than money on account; such as a home, car, etc.  These types of card do charge interest and if the card is not paid as agreed in the terms they can attach the collateral that was used to secure the credit-hence the name "secured credit" card.


Others have repeatedly complained that
First National Bank Visa and Mastercard immediately jacks up the
interest rates for their credit cards to 30% or more without notice, knowing full well that the
victim of their loan sharking scam will not be able to pay off the
entire balance and will have to get into a never-ending cycle of debt at
30%. (or higher!)

Federal statutes dictate that they MUST give a consumer a written statement about any interest rate increases and WHEN the increases go into effect.

Clearly you don't know about this subject.  I suggest you educate yourself as to how credit cards and/or pre-paid cards work as well as federal rules that regulate their operations.  You can find useful material at the FTC website www.ftc.gov.
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#2 Consumer Comment

Just Curious

AUTHOR: Niko234 - ()

Any luck on getting all of us banned from posting reports on here? Perhaps you just cannot face the fact that you were denied credit. Not surprising, your entire tirade has exposed the type of person you really are. 
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#3 Author of original report

First National Bank is a Predatory Credit Lender

AUTHOR: Fred A - ()

DO NOT apply for credit from First National bank!!

Their credit cards are marketed as a PREDATORY LENDING scheme specifically for people who are deemed to have poor credit or might not be able to pay off their debts.

I found several reports so far which all indicate a pattern of refusing credit to people with good credit while using LOAN SHARKING tactics on the people who have been approved.

They also appear to specialize in "secured credit"; That's when they force the applicant to pay a large sum of money so that they can borrow their own money whenever they use their credit card - and oh yeah they have to pay the same interest rates and fees for borrowing their own money!

Others have repeatedly complained that First National Bank Visa and Mastercard immediately jacks up the interest rates for their credit cards to 30% or more without notice, knowing full well that the victim of their loan sharking scam will not be able to pay off the entire balance and will have to get into a never-ending cycle of debt at 30%. (or higher!)

Now I realize why the respondent here immediately posted on the reports in question saying that "all credit cards do that". Um, no I have 2 credit cards and have never been exposed to these disgusting loan sharking tactics.
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#4 Consumer Comment

Could you be right?

AUTHOR: Niko234 - ()

Well you could be right and were all one person or are we? Bottom line your acting like a buffoon. However it is comical that you think we are all one person. Please keep it up I am enjoying this.
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#5 Author of original report

They?

AUTHOR: Fred A - ()

They? How many voices do you hear in your head exactly?

 You've repeated the same thing so many times in so many ripoff reports under so many aliases you sound like a crazed schizoid parrot. We'll see what the admin here has to say about your incessant spamming, bird brain.
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#6 Consumer Comment

Were they just teasing you?

AUTHOR: Flynrider - ()

   I don't work for this bank (although I have a feeling you'll accuse me of that anyway).    I'm just a person who happened to read your report.   I'm having a problem figuring out what you think is going on here.

" In short, not only am I the perfect candidate for a credit card, I can buy and sell a low life bankster peon cretin loser like yourself a million times over. "

   If that truly is the case, what would this bank gain by refusing you a credit card?   It actually costs them money to process and application and review your credit report.   Do you think they reject credit worthy individuals just for fun?   Spite?   That really doesn't make sense.

   The fact that this bank rejected you will not affect your getting a card with a different bank if you are truly the perfect candidate for a credit card.   

" If you come back here and spam my report  again (or anyone else's report against First National Bank) I will see to it that you are blocked from further spamming activities. "

  This is the part that really interested me.    As a longtime user of this website, I was not aware that you had the power to prevent anyone from posting.   Care to explain how you have that ability?   I suspect it just more fluff, like most of your report, but I'd be willing to learn.

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#7 Author of original report

Something really has you worried here doesn't it

AUTHOR: Fred A - ()

Well I am glad we have this cretin from First National bank spaming the hundreds of ripoff reports against First National showing everyone what a raunchy lying bunch of rats are employed at First National that customers have to deal with if, heaven forbid, they are accepted for credit from this dumb crooks.

To the First-National Bank mole (Chris, or William, or Frank or whatever your name is now) who obviously has too much time on his hands, since his life cycle obviously consists of waiting for ripoff reports against First national Bank and then SPAMMING them with lies and putting words in people's mouths:

Moron, the people that read these reports have all the information in front of them and they can see that you're just making stuff up about who said what, along with repeated accusations of people "not meeting minimum credit requirements" over and over.

In short, not only am I the perfect candidate for a credit card, I can buy and sell a low life bankster peon cretin loser like yourself a million times over.

If you come back here and spam my report  again (or anyone else's report against First National Bank) I will see to it that you are blocked from further spamming activities. You might want to think before you come up with another moronic response (although that is probably asking for too much)
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#8 Consumer Comment

Get over it, move on.

AUTHOR: Niko234 - ()

Same thing as said before fella. They denied you credit because you did not meet their minimum requirements for credit extension. Wait for the credit denial letter and see what was the reasoning behind it. On a second note, I see that you state " I will have trouble getting a credit card from a reputable company because of this". I have to wonder if you are telling the truth or not about your current credit situation. Actually I think this will be my last posting as you clearly have denial problems. 
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