First National Bank of Omaha Credit card department,
Advertising and marketing Montana
In - of - I received a solicitation from - - Bank - - with an offer, " 0.00 % APR on all Purchases and Balance Transfers good until - - ''. I have received several similar offers since then, with the words inserted after balance transfers, " when you use these checks ''. Had that wording been on the offer I received, I would have behaved very differently. As it was, since I had a zero balance at the time, I preceded to make purchases with my credit card, " all purchases '', and to pay the minimum balance due. I have participated in many 0 % on purchases offers previously and since this one. I have always paid off the balance before a higher rate of interest started. While I had been paying attention to not go over my credit limit, it was not until - that I noticed a large amount of interest was being added. When I called the bank, I was told that they did n't mean " all purchases '' ; just the ones made with the - checks enclosed. Since no one I talked to at the bank offered any recourse, I immediately paid off the balance on my account, which included over $800.00 in interest. Even if I had written a check for the entire amount of my credit line. The fee that I would have paid would have only been about $340.00. They must have realized that their wording was deceptive to have changed it so quickly after their 1st offer, but so far they have refused to acknowledge this to me or to the -.
First National Bank of Omaha customer in Montana
May 11, 2016
* Source: CFPB Complaint Database
First National Bank of Omaha response to complaint:
Closed with explanation
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