FNBO

J 

on BBB

3 years ago

Would be a zero star experience if I could. My account was closed for absolutely no reason. I had been a member in good standing for years. Came back from a vacation to find my account closed. I called and I was given absolutely no information and no way to file a report to open an investigation through the company. Customer service was absolutely awful. This is deceptive and extremely unprofessional. Consumer beware. 

Ray G 

on BBB

3 years ago

********************************************** Make a large payment to pay down balance, they immediately drop the credit line to make you look like you're maxed. Been a 3 year roller coaster on my credit rating and THEY DONT CARE! ONE late payment (less than 10 days) due to switching banks (100% my fault for oversight) since opening account, STELLAR pay history otherwise, with a 728 Score and THEY LOCKED MY ACCOUNT!!! But they have 150 of MY MONEY!! Auto pay continued to take even though card has a zero balance. Called and ... read more

Fran M 

on BBB

3 years ago

ABSOLUTELY terrible bank! Sent me a solicitation to apply for a 0% credit card to be used for purchases and balance transfers. I was approved for a $14,000 credit line and received my card in the mail. I decided to take advantage of the 0% balance transfer and it was denied. The denial letter was nonsense. Sent many, many emails. Spoke to many customer service representatives. NO ONE could explain why. I have an impeccable 40 year credit history and a six figure income. I was told they don't know why it won't go through and ... read more

Otis R 

on BBB

3 years ago

FBNO closed my **** CC acct due to too many inquiries on 9/21/21. Never had a late payment, no over limit usage, paid bill on time every month and always paid my balance to zero before the billing cycle. Never heard of such a thing done to a credit card holder in good standing. Stay away from this bank if you're a responsible credit card user. 

Don Maristuen 

on BBB

3 years ago

Received letter telling me to use my card or lose it. I have been a customer since 2005. Spent thousands of dollars on interest, just an FYI, very poor service for not using my credit card for 3 months. Never missed payment. 

JH 

on BBB

3 years ago

I filed a fraud claim. FNBO denied the claim saying I "elected in an initial trial offer". They told me to contact the merchant to avoid future billings. I contacted the merchant. They said they could not explain why I was charged and was unaware of a trial offer. The business issued a refund. I do not understand how the fraud investigator with FNBO could not get the same results. Do not put your money with a place that will not help to protect your money. You are on your own when it comes to FNBO. 

Conlan T 

on BBB

4 years ago

Close the good standing account due to credit activity. I have a score of 780 and never had a late payment and randomly closed an account is how you not do business 

Lawrence T 

on BBB

4 years ago

Had a credit card with FNBO. They decided to close the account, but didn't bother to tell me. A notification from my budget software was how I found out. Called the company, asked what was going on, was told I had too many recent late payments. I paid the card off in October of last year, so I asked them to elaborate; they could not. Apparently, 8 months later, they decided I'm late? Customer service was completely non-helpful. 

Joyce F 

on BBB

4 years ago

This bank credit card is horrible. Never missed a payment always pay over the amount due. Every time we pay they just keep dropping the credit balance which in turn affects our credit score across the board. We will be paying off this card soon and cancelling our card this bank will destroy your credit even if you are never late. Don't apply for this card horrible horrible