How to Settle Credit Card Debt With FNB Omaha

George Simons | January 31, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If FNBO appears on your credit report or contacts you about debt, verify its accuracy, know your rights, and negotiate a settlement to resolve the issue. Solo can help.

Have you applied for a credit card with First National Bank of Omaha? If so, they may appear on your credit report as a hard inquiry. First National Bank Omaha (FNBO) has been operating for over 160 years and offers personal and financial services, including:

  • Credit cards
  • Personal loans
  • Refinancing
  • Home and auto loans
  • Mobile banking
  • Investments accounts

FNBO is popularly known for its credit card services with options like cashback, limited-time offers, and cards for building credit. That is why it should concern you if you see them on your credit report and have not recently applied for a credit card.

FNBO on your report can lower your credit score and affect your chances of getting a loan, mortgage, or credit card. You need to investigate why they are on your credit report and find out how to remove them to avoid unnecessary financial challenges.

Now, let's explore what you need to know about FNBO, how to remove a hard inquiry from your credit report, and how to respond to a lawsuit from them.

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What is FNB Omaha?

FNBO is a legitimate company with its headquarters in Nebraska and offices in Illinois, Kansas, Texas, Iowa, and Colorado. Established in 1857, it offers a range of banking services, including personal and business banking, credit cards, mortgages, and wealth management. It is not a debt collection company trying to scam you, but it performs credit history checks on its clients. FNBO's headquarters contact information is as follows:

  • Phone Number: 1 (800) 642-0014
  • Address: 1620 Dodge Street, Omaha, Nebraska, 68197
  • Website: FNBO

Who does FNB Omaha collect for?

FNBO primarily handles collections for its own financial products. This includes overdue payments on credit cards, loans, and other financial services offered by the bank. If you receive communication from FNBO regarding a debt, it is likely connected to an account you hold or have previously held with them. While FNBO does not act as a third-party collection agency, it may hand over accounts to external collectors if necessary.

Read FNB Omaha reviews online

Online reviews can provide insight into customers' experiences with FNBO, especially in terms of customer service and account management. While many users praise the bank for its diverse financial offerings, others may highlight challenges in resolving disputes or handling overdue accounts. Here are a few online platforms to explore:

Even after reading these reviews, an open mindset will help you get a better outcome when communicating with an FNBO agent. Here’s Johnny’s experience with them:

“I called in to check my balance and a couple of questions that I had regarding some charges and I had talked to Ashley Reed who was very formal and respectful while helping me. It seemed like she actually wanted to help me and that all of my worries were taken away while speaking with her. I was having a bad day that day, and just talking to and having her take my problems/concerns away made my entire day stress-free. I really appreciate her kindness and attitude towards me. She was very helpful. Thank you!”

As Johnny’s story shows, FNB Omaha collectors will work with you to resolve an outstanding balance with the company.

Your rights under the Fair Credit Reporting Act

Lending institutions may occasionally make errors or provide inaccurate credit information that could impact a consumer's financial standing. The Fair Credit Reporting Act (FCRA) aims to ensure fairness, accuracy, and privacy in the credit reporting process to protect consumers. The following is a summary of your rights under FCRA:

  • You have a right to know what is in your credit report and ask for a free credit report yearly.
  • You have a right to dispute inaccurate and incomplete information from the consumer reporting agency.
  • Consumer agencies must delete or correct incomplete, unverifiable, and inaccurate information.
  • Consumer reporting agencies should not include outdated negative information.
  • You must give consent to share the credit report.
  • You have a right to order a security freeze on your credit report, and no one should access it.
  • Consumer agencies must tell you if your credit information has been acquired and used against you.
  • You may sue violators in state and federal court.

Some states have additional consumer reporting laws. Contact your local consumer protection agency or the Attorney General's office and find out if there are additional laws that you need to know.

Steps to remove FBN Omaha hard inquiry from your credit report

A hard inquiry occurs on your report if you have applied for new credit and the lender wants to check your borrowing and spending habits. Removing a genuine hard inquiry may not result in any change to your credit score.

However, you can take these three steps to remove a hard inquiry resulting from identity theft, an inaccurate hard inquiry, or an overdue or canceled hard inquiry.

1. Request your credit report

FCRA allows consumers to receive a free credit report from Experian, Equifax, and TransUnion. Carefully check your credit report for the FNBO hard inquiries and verify that the inquiry is not familiar. The credit bureaus will label the section as a hard or recent inquiry.

2. Dispute the hard inquiry

You have the right to send a dispute letter to Equifax, Transunion, and Experian. These credit agencies give you a step-by-step process for submitting the dispute online. Take it a step further and send the dispute via certified mail as hard evidence.

Once you submit the request, check the progress online in each bureau's dispute center. The dispute process takes 30 days to give the bureaus time to check the inquiry's validity with FNBO. Sometimes you may fail to recognize a legitimate hard inquiry if you did the following:

  • Sought out financing as you shopped for a car, and the dealership sent your loan application to several lenders, including FNBO, to get the best interest rates.
  • The same scenario as above occurs if you solicited mortgage rates online and the mortgage servicer sent your application to FNBO to check if they have competitive rates.
  • Requested a quote for expensive home repairs and gave out your social security number. The vendor may take that as a go-ahead to check your credit for payment security.

A legitimate hard inquiry will remain on the credit report, while an inaccurate or unverifiable inquiry will be removed. If the hard inquiry was due to identity theft, take further action and put a fraud alert on your credit reports, contact FTC, file a police report, and consider freezing or locking your credit.

3. Examine your credit report regularly

Examine your credit report regularly to prevent fraudulent activities and errors from appearing on your document. Always review everything that is listed and address anything you do not recognize. Additionally, you can monitor your credit scores for free with Experian. Watch out for unexplained drops that indicate fraudulent activities, unpaid debt, or illegal debt entry.

Respond to a debt lawsuit against FNB Omaha.

If you are being sued by FNBO, don't give up hope. You can respond in court and receive a favorable outcome. Here's how.

The first step to responding to FNB Omaha in court is to file a written Answer to the debt lawsuit. Here are some tips to follow when drafting your Answer:

  1. The Answer is not the place to share your side of the story: Instead, you should focus on responding to each claim listed in the Complaint document. You can deny, admit, or deny due to a lack of knowledge.
  2. Deny, deny, deny: As you respond to each claim, keep in mind that most attorneys recommend denying as many claims as possible. This forces FNB Omaha to prove each claim is true. If FNBO doesn't have the necessary documentation to prove a claim, the case may be dropped.
  3. Include your affirmative defenses: An affirmative defense is any legal reason that FNBO should lose the case. One common affirmative defense that is used in debt lawsuits is the statute of limitations. This is the time period that a creditor can sue someone for a debt. If the statute of limitations has passed, the lawsuit is void and the case should be dropped, but only if you state this affirmative defense in your Answer.
  4. Use standard formatting or “style”: Your Answer should be clean and professional. It should include a caption at the top of the document that lists the court information, party information (name and address of the plaintiff and defendant), and most importantly, the case number. You should use a standard font, margin size, etc.
  5. Include certificate of service: At the end of the document, include a certificate of service that shows you properly served the opposing party. It should list the address you send the Answer to and the name of the attorney representing FNB Omaha. Some states have a statewide form for the certificate of service.
  6. Sign it: Last but certainly not least, make sure to sign your Answer. Most courts reject legal documents that don't have a signature. So, to avoid having your Answer rejected, sign off!

Learn more about these 6 tips here:

How to settle credit card debt with FNB Omaha

Settling a debt with FNBO can help you resolve the issue and move forward without the stress of ongoing disputes. Once you decide to take this step, following a structured approach can make the process smoother and ensure the terms work for you financially. Here’s a simple guide to help:

  1. Determine how much you can afford to settle. Start by reviewing your income, savings, and monthly expenses to figure out how much you can realistically offer to settle the debt. Choose an amount that won’t compromise your ability to meet essential needs.
  2. Contact FNBO to express your intention to resolve the debt. It’s advisable to communicate in writing to maintain a record of your interactions.
  3. Make a realistic offer. Begin with an amount slightly lower than what you’re prepared to pay to leave room for negotiation if needed.
  4. Negotiate. Be prepared for FNBO to counter your initial offer. Stay focused on what you can afford, and don’t feel pressured into agreeing to terms that are outside your budget.
  5. Get the agreement in writing. Once you reach an agreement, request a written settlement document. This should clearly state the terms, the amount to be paid, and confirmation that the debt will be marked as resolved after payment. It should also be signed by both you and FNB Omaha.
  6. Pay as agreed. Make your payment on time using a secure and traceable method, such as a certified check or electronic payment.

If you’d like extra support, use SoloSettle to streamline the process. This tool will help you keep track of every step and ensure that all details are managed under expert supervision.

Learn more in the following video:

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