CFPB Consumer Complaint Profile

First National Bank of Omaha

What 3,911 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

3,911
Total complaints
621
Last 12 months
99.3%
Timely response
53
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, First National Bank of Omaha has accumulated 3,911 complaints, placing it #130 by volume. It answers 99.3% of complaints on time - above the 93% median for companies with 100+ complaints.

#130
of 3,848 companies by volume
99.3%
answered on time
Credit card or prepa…
most-complained product
53
states with complaints
First National Bank of Omaha timely response rate 99.3%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Credit card or prepaid card - General-purpose credit card or charge card 890
Credit card - General-purpose credit card or charge card 640
Credit card 579
Credit reporting or other personal consumer reports - Credit reporting 420
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 305
Checking or savings account - Checking account 257
Debt collection - Credit card debt 192
Debt collection - I do not know 92
Checking or savings account - Savings account 65
Bank account or service - Checking account 47

Top Issues

1.Incorrect information on your report 401
2.Problem with a purchase shown on your statement 355
3.Improper use of your report 269
4.Other features, terms, or problems 234
5.Getting a credit card 217
6.Managing an account 210
7.Fees or interest 187
8.Problem when making payments 159
9.Closing your account 138
10.Attempts to collect debt not owed 131

Complaints by Year

Year Complaints
2011 11
2012 145
2013 132
2014 140
2015 134
2016 177
2017 176
2018 238
2019 216
2020 204
2021 213
2022 330
2023 496
2024 526
2025 643
2026 130

Complaints by State (Top 15)

California 474
New York 310
Texas 304
Florida 265
Illinois 246
Nebraska 225
Georgia 150
Pennsylvania 125
Virginia 109
Ohio 108
Colorado 105
Minnesota 99
Michigan 99
New Jersey 91
North Carolina 84

Company Responses

Closed with explanation 3,031
Closed with non-monetary relief 433
Closed with monetary relief 349
Closed without relief 42
Closed 29
Closed with relief 27

What the CFPB Complaint Record Shows for First National Bank of Omaha

The CFPB Consumer Complaint Database has logged 3,911 complaints against First National Bank of Omaha overall, with 621 of those filed in the trailing 12 months. Reports have come from consumers in 53 states and territories, making this a nationwide complaint footprint. "Credit card or prepaid card" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.

Within the Bureau's 15-day response window, First National Bank of Omaha answers 99.3% of forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. In 23.3% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 21.8% closed with the consumer receiving monetary or non-monetary relief.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does First National Bank of Omaha have?

First National Bank of Omaha has 3,911 total consumer complaints filed with the CFPB, with 621 filed in the last 12 months.

Does First National Bank of Omaha respond to complaints on time?

First National Bank of Omaha has a 99.3% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for First National Bank of Omaha?

The most complained-about product for First National Bank of Omaha is "Credit card or prepaid card." You can view the full product breakdown on this page.

What is the most common complaint issue with First National Bank of Omaha?

The most common issue reported by consumers about First National Bank of Omaha is "Incorrect information on your report." All complaint issues are listed above with their counts.

How do I file a complaint against First National Bank of Omaha?

You can file a complaint against First National Bank of Omaha directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about First National Bank of Omaha?

First National Bank of Omaha has drawn CFPB complaints from 53 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.