First National Bank of Omaha Credit Card Complaint

First National Bank of Omaha Credit card department,

Late fee Illinois

Credit card statement with due date of - showed purchase made - in the amount of $33.00. I returned some items - - and made a payment of the amount which was still due on - - The problem is that next month, First Bank charged me a late fee of $25.00 and minimum interest charge of $1.00 in spite of the fact that there was no past due obligation. When I called First Bank, I was told that the credit for my return did not actually remove my obligation for payment - that their computer system would not deduct returns from the current billing cycle. First Bank removed the " late '' fees when I called, but warned me that I was in danger of ruining my credit score unless I was " very '' careful. I resent that. I was told that I should have sent payment in full even though I had returned the item. I could not argue that this might be necessary if the return was made in another billing cycle, but it does n't make sense when the entire transaction takes place within the same billing cycle.. Once the store accepts the return and processes my credit, I should no longer have an obligation. I am making this compliant about First Bank because I feel that this policy is unfair to consumers, and sneaky. They hope to get use of money which has been credited back to me, and in addition, they try to impose fees which are patently ridiculous.