Complaint Review: First National Bank of Omaha - Omaha Nebraska

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.

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. 

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.

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.

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.

   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.

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)

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.