Reviews

Every time I reduce my credit card balance they lower my credit limit causing my credit utilization to be high. They lied that they wouldn't do it again for 2 months and then decreased my limit again. They're targeting women and minorities, creating subprime credit records that hurt our financial power. They've reduced my credit limit overnight by $10,000 within a year. That had significant implications! They gave no warning and no time. Every time I get back up, they knock me down. They need to be sued. I'm not the only one they're targeting.

Samantha, we’re very sorry to hear about your experience, and appreciate you taking the time to bring it to our attention. We have shared your review with the appropriate teams so we can help improve our services. We review all of our accounts on a regular basis. If the decision is made to lower an account’s credit limit, we will mail a letter that explains the factors that led to the decision. If you feel the factors listed are incorrect, we recommend reviewing your credit report and disputing any information that is incorrect. If you have any other questions, or have not received this letter, please do not hesitate to call us at 888-530-3626, or submit a secure message after logging into your account from our website. We will be glad to help.

Terrible customer service. Give you the run around if it wasn’t for having a Scheels card for 13 years I would cancel it.

Matt, we're sorry to hear that the service you received did not meet your expectations. If you'd like to further express your concerns, so we can address them appropriately and improve our services in the future, you can call us at 888-530-3626, or submit a secure message after logging into your account from our website, and we'd be happy to help.

Terrible bank, applied for a credit card (for bonus from a merchant) and they can not process or approve it. I have never been denied in 50 years for anything especially as simple as a credit card. No debt, more than adequate income. Apply ELSEWHERE!! Even calling customer service they can not explain anything

Ken, we're sorry to hear about the service you received, and appreciate you taking the time to bring your concerns to our attention. You may be assured that your review has been shared with the appropriate teams to help improve our services. If a credit card application is declined, we will mail a letter with additional information. If you have questions, or do not receive this letter, you can call us at 888-530-3626, and we'll be happy to help.

FNBO sponsors an Amtrak MasterCard. This summer they sent an email, with title in large bold colorful print, earn 20,000 miles, and in small print, along with a bunch of other information, spend $1,000 in the first 3 months. A few weeks later I received a similar email, with the same 20,000 miles, but struck through, and above the strike through it 40,000 miles. I unfortunately didn’t read the small print again. After I received the card, I spent over $1,000 in a few days. After I received my first statement, it didn’t show any miles, so I called FNBO, told them I had already met the $1,000, and asked status. They said nothing about needing to spend any additional money. I called a few times and I kept getting referred to other FNBO departments to get status, and also they had me call Amtrak. Finally after 3 + months I called FNBO to check status again, and after 3 + months of calling, they finally told me that I had to spend $2,000. I went back and looked, and on the cutesy second email with the big “earn 20,000 miles with slash though and 40,000 above,. I read the small print, and it said, along with a lot of other information, spend $2,000 in 3 months. I called FNBO again and asked if I could at least get the 20,000 miles from the original email and they said no. It seems strange that FNBO could never figure out what the problem was until the 3 months were up. FYI, FNBO charges you the $99 annual fee immediately, and they keep that.

Clayton, we're sorry to hear about your experience. Your feedback is important to us, and we’ve shared your message with the appropriate teams to help us improve moving forward. 

Disheartened by FNBO’s Customer Service My recent experience with FNBO left me deeply disappointed. I approached the bank with a straightforward issue, expecting understanding and a solution-oriented approach. Instead, I was met with indifference, dismissive responses, and a rigid focus on securing my payment. It felt as though I wasn’t a valued customer but just another account number. Throughout the process, there was no empathy or effort to address my concerns. I repeatedly explained my situation, but FNBO’s representatives seemed uninterested in resolving the matter or offering any support. Their priority was clear: get the payment, no matter how it affected me. In the end, I made the payment, fulfilling my obligation despite feeling completely ignored. What stung the most was the lack of follow-up or acknowledgment after the fact. FNBO showed no concern for the emotional toll this situation took on me, nor did they attempt to repair the relationship. As a customer, I expected better. FNBO’s lack of care and unwillingness to prioritize their customers over transactions has eroded my trust. If you’re considering banking here, I’d urge you to think twice. They claim to value their customers, but my experience proves otherwise. FNBO must rethink their approach and focus on empathy, accountability, and genuine customer care.

Martin, we sincerely apologize for the service experience you’ve received. We're committed to delivering exceptional service with understanding and empathy. Your feedback has been shared with the appropriate teams to help us improve moving forward.

Unfortunately, we’re unable to address this specific issue through the BBB platform. However, we encourage you to reach out to us directly. You can call us at 888-530-3626 or send a secure message by logging into your account on our website. Our Specialists will be happy to assist you.

Scammers, False Advertisement, Fraudulent!!! I got an offer from them to apply for this card. With the Perks for a Bonus 10k MGM Rewards Points if I spend $1.5k in 90 Day's. So I applied in hopes of racking up my MGM Rewards Points. The 1st Month I got like 1,600 points. I paid off my balance before the due date. I called Customer Service to inquire about my Bonus Points, since I pretty much hit the goal in the first month 12-13-24. She told me that she can see that I'm scheduled to receive them in the next billing cycle. So up until Friday Morning 1-10-25, everything was good. So Friday morning I made a $1,650 payment of my $1,788 balance at around 4am. I wake up to a missed call from FNBO. I called back and it's the fraud department. I immediately checked my previous transactions to look for any unidentified charges. I saw none! So I asked them what was up because those were all my charges. He said I need to send in a Notarized copy of my Driver's License, Social Security Card and 3 recent paycheck Stubs. I really didn't understand how they have me under fraud/ identity after I've already been approved and used this card for over a month. They said the couldn't explain but a letter was being sent out. So I reluctantly did exactly what they wanted which cost me $38.00 for Notarized documents. Then I called today 1-11-25 and I asked them did they activate my card yet? The lady (Jasmine) hung up on me and no call back. I called again and asked for a Supervisor because that was ride off her to hang up and then she didn't call back knowing my phone number is in the profile. He told me that high risk management closed my account. I said what? Why??? He said he didn't know and that they will be sending me a letter. I know the reason. They needed a reason to avoid me getting my bonus 10k points this week. That's the only thing that made sense after reading all the bad reviews saying the frauded them out of their Bonus Points too.

David, we're sorry to hear about your experience, and appreciate you taking the time to bring your concerns to our attention. You may rest assured they have been shared appropriately to help improve our services in the future. As advised, if the decision is made to close an account, a letter is mailed that explain the factors that led to this decision. If you have other questions, or do not receive this letter, please do not hesitate to call us at 888-530-3626, and our Specialists will be happy to help.

I had my very first late payment with them, it was due on New Year's and with all the fuss around the holiday it just slipped my mind. They reported it negatively to the credit bureau (fair game, it's my fault) but then dropped my credit limit by $900 for ONE late payment? And then won't even talk to me about it, they say the decrease was due to my credit report but my ONLY negative mark is FROM THEM, but they're telling me I have to dispute it with the bureau. This is the most ridiculous bass-ackwards logic I've ever dealt with from a bank. Transferred my balance today and will be putting this card in a desk drawer to never be used again. What a joke.

We appreciate you taking the time to bring your concerns to our attention, and understand that a limit decrease can be frustrating. You may be assured that your message has been shared appropriately. There are many factors that go into an account's credit limit, and these extend beyond just your payment history. When the decision is made to lower an account's limit, a letter is mailed that provides the factors that led to the decision. Unfortunately, we are unable to provide any further assistance or information via review, but you can call us at 888-530-3626, or submit a secure message after logging into our website, if you have any other questions or concerns, or do not receive this letter.

This bank issued a Scheels credit card. It was only used twice - at the Scheels store. Never online or at another merchant. Never lost. Imagine the surprise when the December statement appeared showing two charges from Amazon totaling over $1400 on Black Friday. Immediately called FBBO fraud unit. Terrible experience. Would not give temporary credit. Only closed the account & transferred the $$ balance to a new account number (only know the last 4 digits; won’t tell us the rest), it’s listed as “disputed” but it’s being charged past due fee & interest until Amazon agrees it’s fraud. Other banks give a temporary Credit. Not this one. They report this new account number as past due unpaid. Fnbo doesnt care if they impact your credit score negatively when it’s fraud.

FNBO has terrible customer service. I stopped all recurring payments back in early November and today Dec 24, 2024 the pulled my entire balance out of my checking without my permission. I asked for them to return my funds, they refused to do this today stating it will take about 10 days or so to process it. This Bank states they ALWAYS pull the entire balance on recurring payments. I told her this is NOT TRUE, I have been on recurring payments for years. They have now put me in a very bad financial situation with these antics. My mortgage will now be late because of them. I do not have money laying around to cover someone else's butt/mistakes/inadequatcies. They do not demonstrate loyalty or compassion with long term, good standing customers. Very disappointed in my experience. I would NOT recommend doing business with this company. They are heartlkess and sound like they could care less that they made a mistake. I would give them a -10/10. POOR

Joanne, we're very sorry to hear that our services have not met your expectations, and appreciate you taking the time to leave a review. Our goal is to exceed the expectations of our customers, and you may be assured your review has been forwarded to help improve our services in the future. To assist you further, and review what options we may have available, you can call us at 888-530-3626, and our Specialists will be happy to help.

Terrible customer service. I was given wrong #s to call in order to follow up on an app I submitted for a cc. No one could answer the question at all. I had to call back several times over 3 days to get any help. I finally had to ask for a supervisor to cancel the app. There's no status on it at all and it's just a waste of my time. Whatever way a relationship starts out it ends worse. I'm exiting stage left now before it goes on my credit "if" they approved me. I don't need another closed new account on my credit affecting my FICOs. I have enough of those now. I do not do business with companies that hassle me or have terrible customer service. I closed 4 credit accounts in July 2024 for this very reasons. I just don't have time to deal with problematic companies that can't get their act together. If you want business then provide superior service. Everyone has competition and it's not OK for you to just act like customer service doesn't matter. It does 1000%. Get your act together. The fact that you partnered with a company I have a great relationship with makes it that much worse.

Yolande, we're sorry to hear that you were having trouble reaching the correct department to assist with your application. Our goal is to proved an excellent standard of service, and your review will be used to help improve our services in the future. If you have any other questions or concerns, you can call us at 888-530-3626, and our Specialists will be happy to help with any questions, or direct your call appropriately.