FIRST NATIONAL BANK OF OMAHA — Rated SEVERE
Consumer complaint rating · Based on federal CFPB data · How we score
Score: complaint rate (60%) · problems resolved (30%) · money returned (10%) · full methodology
If you are a customer of FIRST NATIONAL BANK OF OMAHA, the data shows an above-average complaint rate. More customers here needed to escalate disputes than at most comparable institutions.
1 in 890 customers felt they had no choice but to complain officially
This is not a complaint to customer service. This is a formal complaint filed with the US government, on permanent public record — the last resort after everything else failed.
2,485 people complained officially and got absolutely nothing
That is 79% of everyone who escalated. They filed. They waited. They were told no. No money returned. No correction made.
Only 11% of complaints resulted in any money being returned
A further 78% were closed with an explanation only — the institution said "we disagree." No money moved. No correction made. The complaint was marked resolved.
99% response rate — but only 21% of complaints were actually resolved
The law requires a reply within 15 days — and they met that. But replying is not the same as fixing. The data shows they are far better at responding than resolving.
68% of all complaints come from Credit Cards alone
That is 2,157 individual complaints in one product area. If you hold a credit cards account here, this risk applies directly to you.
2.4× worse than the average rated institution
This is not marginally above average — it is a structural gap. The median institution generates a fraction of the complaints per customer.
Credit Cards — 0.77 complaints per 1,000 customers
Customers most commonly report unexpected charges appearing on their statement, accounts closed without any warning, and billing errors that damaged their credit score — often taking months to dispute.
All figures from the CFPB Consumer Complaint Database and FDIC BankFind — US federal public records.
You might be thinking: this probably won't happen to me. You're right — most customers here never need to file a federal complaint. But 1 in 890 did. And of those who escalated, 79% walked away with nothing resolved. The question isn't whether it will happen — it's whether you want to bank somewhere with better odds if it does.
✦ Our Top Recommendation
BANK OF AMERICA, NATIONAL ASSOCIATION
1.5× lower complaint rate than FIRST NATIONAL BANK OF OMAHA
- Federal data records a complaint rate of 0.74/1,000 customers — significantly fewer unresolved complaints than FIRST NATIONAL BANK OF OMAHA
- If you ever needed to escalate a problem, you would statistically be 1.5× less likely to end up filing with the federal government
- Switching takes about 2 hours of active effort — see our step-by-step guide
▼ See 2 more alternatives
CITIBANK, N.A.
1.5× lower · 0.75/1k
U.S. BANCORP
1.5× lower · 0.77/1k
“But switching banks sounds like a headache.”
It usually isn't. The average US bank switch takes under 2 hours of active effort, spread across about 10 days. Direct debits can be moved one at a time. Your employer redirects your salary in one pay cycle. You run both accounts in parallel for 30 days — then close the old one.
Read our step-by-step switching guide →What does this confidence level mean?
High confidence — based on 3,163 complaints and verified FDIC deposit data. Rate is accurate.
Full Data Record
Complaint Rate
1.12/1k
customers per year (CFPB data)
Total Complaints Filed
3,163
with the CFPB (2011–present)
"We Disagree" Letters
78%
closed with "we disagree" — no fix, no money
Accepted Bank's Rejection
94%
of complainants gave up after bank said no
People Who Got Nothing
2,485
escalated to federal level and walked away empty-handed
Estimated True Impact
63,260
estimated affected customers (CFPB: ~5% ever file)
vs. Median Institution
2.4×
worse than the median rated institution
How This Compares
FIRST NATIONAL BANK OF OMAHA's complaint rate of 1.12/1,000 ranks worse than 90% of institutions in the ComplaintRate dataset.
▼ Show comparison chart (5 rated institutions)
Breakdown by Product
Browse by Product Category
▼ Methodology & data sources
Complaint rates are calculated by dividing total CFPB complaints by estimated customer base (derived from FDIC deposit data), normalised to complaints per 1,000 customers per year. Source: Consumer Financial Protection Bureau public complaint database (2011–present).
Resolution statistics reflect outcomes recorded in the CFPB database as reported by financial institutions. All language describes what the data shows — not the intent of any institution.
Composite Risk Score weights complaint rate (60%), resolution rate (30%), and monetary relief rate (10%). Full methodology →