This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 377 complaints

First National Bank of Omaha - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade D.

Complaints by issue type

What consumers report about First National Bank of Omaha

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 57.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: First National Bank of Omaha ranks ahead of 32% of the 5,283 collectors PlainCollector grades - 68% keep a cleaner CFPB record, on 377 all-time complaints and a 100% timely-response rate.

32nd pct
reputation rank of 5,283 graded collectors
377
CFPB complaints, all-time
100%
answered inside the CFPB window
101
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about First National Bank of Omaha?

First National Bank of Omaha has accumulated 377 total CFPB complaints across 39 states, with 101 filed in the most recent 12 months against 276 historical complaints before that window. The trailing-12-month volume represents 26.8% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft". The company posts a 100% timely-response rate against a 22% consumer-dispute-after-response rate.

Complaints have been recorded across 39 states, led by Texas with 48 and California with 41. Normalized against the full CFPB collector database, the reputation score of 57.1/100 places First National Bank of Omaha in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

377

mid-volume (CCDB)

Last 12 months

101

26.8% of all-time complaints

Stable →

States active

39

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

22%

elevated (vertical avg ~19%)

Reputation grade

D

57.1/100 composite

How does First National Bank of Omaha's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 32nd percentile higher than 32% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

First National Bank of Omaha versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 21.6%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 69.6%

Share of US states + territories with at least one filed complaint against this collector.

How does First National Bank of Omaha compare to its peers?

How does FIRST NATIONAL BANK OF OMAHA compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
FIRST NATIONAL BANK OF… National average
Complaints (last 12 mo)lower is better
101
0
268
Timely-response ratehigher is better
100%
95%
91%
Consumer-dispute ratelower is better
22%
24%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-03 2025-10

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 142
Took or threatened to take negative or legal action - 80
Written notification about debt - 50
Communication tactics - 35
False statements or representation - 27
Disclosure verification of debt - 17
Cont'd attempts collect debt not owed - 11
Taking/threatening an illegal action - 8
Threatened to contact someone or share information improperly - 3
Electronic communications - 2

Where do complaints against First National Bank of Omaha come from?

First National Bank of Omaha's own per-state count, not a national baseline.

Top states by complaints against First National Bank of Omaha

Across 39 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if First National Bank of Omaha contacts you

A grade of D signals how First National Bank of Omaha's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really First National Bank of Omaha and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how First National Bank of Omaha ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against First National Bank of Omaha? ▼

The most common issue consumers report about First National Bank of Omaha is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 377 complaints filed with the CFPB.

Are complaints against First National Bank of Omaha increasing or decreasing? ▼

Complaints against First National Bank of Omaha have been stable. The company received 101 complaints in the last 12 months.

What is First National Bank of Omaha's reputation grade? ▼

First National Bank of Omaha has a reputation grade of D (score: 57.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does First National Bank of Omaha respond to consumer complaints? ▼

First National Bank of Omaha has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does First National Bank of Omaha operate? ▼

First National Bank of Omaha has received CFPB complaints from consumers in 39 states, with the most complaints from Texas (48 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.