Card by FNBO

I lost my job of 24 years. The main priority is to keep our home, therefore credit cards have taken a hit. I was behind a few months. They told me this if I didn’t make a payment by the end of the week on one of my two cards, that it would be charged off. I didn’t want that to happen. I had excellent credit all my life, and I have no interest in settling or filing bankruptcy. When I called on the last day, I requested to make the payment. The agent said that he couldn’t accept the payment, that it would have to be done through debt collection department. I asked to be transferred. He said they leave early on Fridays (which was a lie.) He told me that I could make the payment through the app or online. I told him that that was not true either, that multiple other agents said I couldn’t. I had to call it in. He gave me no other option but to pay online. I took his advice, and the following week they promptly sent me back my payment and charged off that card. I asked to speak to a supervisor, and requested that he reviewed my conversation with the agent. The supervisor wouldn’t admit his worker’s fault and said there’s nothing he could do. Easy for him to say that. One after the other all my cards started being revoked because my debt to credit limit ratio was too high, because that one card was wrongfully charged off. This have zero interest in helping you out. I’ve paid thousands of dollars in interest with them, being a customer for almost 30 years, if not more. Would not recommend.

I have the FNBO app on my phone. Face ID. Sometimes works. Other times not. It won’t let me see my account. Tells me to call customer service. Agent tells me to create a new password AGAIN!!!!!!! I wrote them down. I have had to create a new password approximately 8 times in the past few months. They can’t fix the issue. Eventually, I wait a day or so and try it again using my Face ID. Also the agents speak poor English I have to stop them to ask them to please speak slower or spell words. When I explain my frustration with this issue they answer the same way; “we have no control over this and can only try to fix the issue by changing the password. If I didn’t have Amtrak Reward points I would close the account!!!!!! Please fix this. I have several credit cards with other banks and have NEVER had ONE ISSUE with them!

I have been using this card for 5 years. I originally applied for it when it was a Murphy’s gas card. It would give you 5 cents off a gallon of gas and since I went to Walmart a lot it was easy to just pull in and get gas. 2 years ago they stopped giving the 5 cents off but I still continued to use the card because Murphy’s was still the cheapest gas in town. Recently however, Murphy’s changed their card to FNBO and that’s where this 1 star review comes in. For some reason, this bank has decided to HOLD my payments HOSTAGE and NOT GIVE CREDIT TO MY ACCOUNT UNTIL THEY DECIDE TO DO SO. One time they held it for almost 3 weeks even though it was within the normal window for a payment to be made!! When I called customer assistance they were UNABLE to give me a reason for this only giving me a date as to when my payment would be released. In all of my years of using credit cards NO bank or credit service has EVER done this. So therefore I will no longer use this card and will be paying it off ASAP! It is my suggestion that if you have opened a FNBO credit account with them and are here to download the app, STOP NOW, CLOSE YOUR ACCOUNT AND FIND YOU ANOTHER CARD/BANK to do business with because this bank is NOT the one you want to do business with!!!