Business Profile

Bank

First National Bank of PA

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Bank.

Complaints

This profile includes complaints for First National Bank of PA's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

124 total complaints in the last 3 years.
38 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:07/12/2025
Type:Sales and Advertising Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I opened an account with ******************************************* Bank based on a promotion on their website. At no point did it state the promotion required a mailer of any sort. The promotion was that if you fulfill certain conditions (direct deposits, transactions), NOWHERE STATING YOU NEEDED TO RECEIVE A MAILER, you would receive a 400 dollar bonus. The business then tried to claim you weren't eligible if you did not receive a mailer. The attached PDF states detailed account opening terms and the promo code applied, WITH NOTHING STATING A REQUIRMENT TO RECEIVE A MAILER. The bank ignored all attempts to point this out. Adveritsing a bonus, and then slapping on a "must have received a mailer" requirment is deceptive advertising, and even explicitly violates the law (see below). AT NO POINT WAS IT STATED YOU NEEDED TO HAVE RECEIVED A MAILER, AND NO BANK EMPLOYEE DISPUTES THIS. Under 12 CFR 1030.8(d), if a bank states a bonus in an advertisement, it must clearly and conspicuously disclose all material conditionse.g. the time requirement to earn the bonus, the minimum balance required to obtain it, and when it will be paid. Slapping on a brand-new must have received a mailer promo requirement after youve opened your account, when that condition was never disclosed, runs afoul of Reg DDs ban on misleading or inaccurate ads ecfr.gov.Unfair or Deceptive Acts and Practices **************** Both the ************************ Act (Sec. 5) and the Consumer Financial Protection Act prohibit deceptive or unfair practices in marketing financial products. The *** enforces truth in advertising across all media, and the ***** Circular ******* reinforces that covered banks may not slip in undisclosed contract terms that take away consumer rights. A retroactive mailer-only requirement is exactly the kind of bait-and-switch these laws forbid *****************************************************.
Business Response
Date: 07/18/2025
Better Business Bureau Case# ********
Dear *** *******,
Please accept this letter as a response to the complaint that we received on July 12, 2025, from the Better Business Bureau (BBB), regarding your deposit accounts at ******************************************* Bank (FNB).
As stated in our response to your previous Consumer *************************** (CFPB) complaint, which is enclosed for your reference, your accounts do not meet the requirements for the promotional offer. Furthermore, the offer is non-transferable. While additional information regarding this promotional offer is available online, the *** for this offer was only provided through a mailer and not through any other means, including through websites that compile bank promotional offers.
We hope this response to your complaint meets your satisfaction.
Sincerely,
******* ***** Carter
Market Manager
Charlotte-Uptown Region
First National Bank
Initial Complaint
Date:07/02/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This bank offered the following promotion: ***************************************. It now says page unavailable, but the promo code should be get700june25. I signed up for a checking account, note that the terms say "up to 700" and do NOT say that I need to open both a checking AND savings account. I opted to only open the checking account for a $400 bonus pending fulfillment of offer requirements. After my first direct deposit landed, I got an email saying that I was not eligible for the offer due to my location. This was untrue, as I live in **, and the offer clearly included DC. I then called a branch, and the representative told me that I also had to open a checking account-- untrue according to the terms on the offer and inconsistent with the email I got saying it was because of my location. I was then stonewalled for two weeks, calling twice and being told I'd be called back with no follow up. I called again today, July 2, 2025, and was told I'd receive a call from the branch manager. Even the representative I spoke to was confused about why I wasn't eligible all of a sudden. I am awaiting a call from the branch manager. Based on social media, it seems I am not the only person running into this issue with this bank. I wonder if they are trying to stonewall their way out of paying a bonus that they OFFERED and now don't want to pay out?
Business Response
Date: 07/11/2025
Better Business Bureau Case# ********
Dear Mr. *********** ******,
Please accept this letter as a response to the complaint that we received on July 2, 2025, from the ************************* (BBB), regarding your deposit accounts at ******************************************* Bank (FNB).
We have reviewed the details of your complaint regarding a promotional reward offered by ***. On
June 9, 2025, you opened a new checking account via the *** website, with a code for a promotional
reward for which you could earn up to $700.00 total for meeting certain requirements. Unfortunately,
your accounts do not meet the requirements for the promotional offer because the account promotion
was offered by mail only, and your address does not match the invitation for the offer.
If you have additional questions regarding your new account, you may contact any FNB branch office or
the ****************** at ************, Monday through Friday, 8:00 AM until 9:00 PM, and Saturday
and Sunday, 8:00 AM until 5:00 PM.
Sincerely,
***** *****
Market Manager
*******************
First National Bank
Initial Complaint
Date:06/22/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On June 09, 2025, I noticed that $159.00 had been debited from my checking account. Upon closer examination, First National Bank of Pa. (FNB) had taken this money from my account to pay a payee that I did not authorize. I also noticed that my ex-wife's checking account had been debited for the same amount to the same payee. I asked my X if she had authorized this payment, and she said that she had set the payment up on FNB's "Bill Pay" providers. I told her that FNB had taken the same payment from my account. I called FNB and explained the problem. I was told that because this transaction was taken from MY "Bill Pay," I could not file a dispute. I explained that this payee was NOT in my bill pay provider. I asked to speak to a supervisor. The supervisor, "****" (###-###-####) said he would investigate. Several days later, **** called & said their computer malfunctioned and deducted the $159.00 from my account as well as my X wife's account. He told me that the problem had been fixed and it wouldn't happen again. He told me that they would not reimburse me for the $159. He said I should try to get the money back from the payee. I contacted the payee, and they will not refund the payment.
6/11/25 I was locked out of my account, and as of this writing, I have not been able to access my account. My ex wife has also been locked out of her account and cannot access her funds.
This problem is still ongoing as of 6/9/25. I am requesting that FNB reimburse me for the $159 that they stole from my checking account without my permission. I'm also requesting that the issues with their computer be corrected as soon as possible. I'm also requesting FNB unlock my account so that I can access my funds. My ex wife is requesting that her account be unlocked as well.
Business Response
Date: 07/03/2025
********
Dear Mr. ****,
Please accept this letter as a response to the complaint that we received from the Better Business Bureau (BBB) on June 22, 2025, regarding your checking account at First National Bank of Pennsylvania (FNB).
We have reviewed the details of your complaint regarding a recent Bill Payment check that posted to your joint checking account ending in **** with ***** ** ****. In October of 2023, your Online Banking profile associated with account ending in **** was deactivated due to being compromised. On June 12, 2025, you called the Contact Center and requested assistance reinstating your profile. A new Online Banking profile was created for you to access your accounts. Please note that any account in which you are an accountholder will display in your Online Banking.
On June 4, 2025, Ms. **** initiated a Bill Payment via her Online Banking profile in the amount of $159.00 made payable to ***** ***** from joint account ending in 4004. Later, on June 12, 2025, Ms. **** initiated another Bill Payment for the same amount to the same payee from joint account ending in ****. Because both Bill Payments were initiated by Ms. **** as an accountholder, both payments are considered valid, and FNB will not credit your account. Please note that because the scheduled payment was delivered to the intended payee, this is considered a matter between you and the payee. As of the date of this letter, we have confirmed that you're able to use and access the Zelle service in your online banking profile.
We hope this response to your complaint meets your satisfaction.

Sincerely,
July 3, 2025
***** ** ****
**** ******** ****
***** ** *****
****** ******** ****** *****
**** * ****** *******
***** *******
Regional Banking Executive
Central Mountain Region
First National Bank

Customer Answer
Date: 07/05/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I am in receipt of a number of letters from different people at FNB. All of these people are stating that the error was on my part or my ex wife's part. These statements are ALL untrue. I have taken the time to look further into this matter. i checked my "bill pay" recent payments from my account ending in **** to verify that I had an payments to the payee; ***** *****. There are NO processed payments to ***** ***** in the amount of $155.00 now or never. I went into my bill pay history for the past 12 months, there are NO processed payments to ***** *****. ***** ***** is NOT in my bill pay accounts. ***** ***** has NEVER been in my bill pay accounts. I have printout for the past 12 months from my bill pay showing, processing, and processed payments. ***** ***** is not listed as a payee or being paid from my account. I want FNB to explain to me in detail how a payment was made and processed to ***** ***** from my account ending in **** when the transaction is not been recorded. This error can only happen by FNB's computer taking the funds from my account. If the "glove don't fit you must acquit". FNB must admit their computer mistake and refund me the money they took from my account without my authorization. End of story.
Regards,

***** ****
Business Response
Date: 07/21/2025
Please accept this letter as a response to the complaint appeal that we received from the Better Business Bureau (BBB) on July 8, 2025, regarding your checking account at First National Bank of Pennsylvania (FNB).

We have reviewed the details of your complaint appeal. As stated in our previous response, enclosed for your reference, the joint accountholder, ***** ** ****, initiated a Bill Payment in the amount of $159.00 made payable to ***** *****, on June 12, 2025, from checking account ending ****. This Bill Payment was initiated through Ms. ****'s Online Banking (OLB) profile and is not visible within your OLB profile. Because this Bill Payment was initiated by Ms. **** as an accountholder, the payment is considered valid, and FNB will not credit your account. Please note that because the scheduled payment was delivered to the intended payee, this is considered a matter between you and the payee.

Sincerely,

***** *******
Regional Banking Executive
Central Mountain Region
First National Bank

Customer Answer
Date: 07/23/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

The responses I have received from:

***** *******
Regional Banking Executive
Central Mountain Region
1st National Bank

have been nothing but repetitive. Mr. ******* does not address any of my questions regarding an explanation from 1st National Bank on how this transaction
occurred. Mr. ******* repeatedly copies and responds to my queries with the same letter he originally sent to me, which, by the way, contains inaccurate information.
I'm not sure if Mr. ******* is intelligent enough to respond to my questions without reverting to a previous letter that was sent.
I have repeatedly asked WHY/HOW a payment was made from my "Bill Pay" account WITHOUT there being any recorded record of it in my "Bill Pay" account. The payee was never in my "Bill Pay" account. I have sent copies of my "Bill Pay" account for the last 12 months to 1st National Bank that prove that there have been NO payments made to the payee from my account. Now if there is no record of payment - HOW DID THE PAYEE GET PAID FROM MY "BILL PAY"??????????????
If Mr. ******* cannot intelligently answer my question without reverting to replying with the same letter he has been sending, I don't want to hear from him! He's wasting everyone's time.
As a show of good faith, I hereby authorize anyone from 1st National Bank to view my "Bill Pay" account to prove that the facts I have stated over and over are accurate.

Regards,

***** ****
Initial Complaint
Date:06/22/2025
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Limited character count here. *** is welcome to contact me for more details, including copies of e-mails. *** employs a non-secure method of caller identification at the 5455 number and the 4 opt-out numbers. Spoken personal information over a cell phone is subject to hacking and should be addressed at keypad level (Ask USBank how they do it). I explained to ****** ***** something that some of you may already know, which is that there are many individuals around at this time who are able to hear conversations even if they are not present at the conversation. I also quoted to her something I heard from a cybersecurity expert: "A business has either been hacked or doesn't know it's been hacked." I have been unable get a timely solution from ****** ***** (who lied about phone security and ignores e-mails) for opting out of information sharing before 6/31. She indicated ******* *********** might help but won't reply to my request for his e-mail address. Neither she nor customer service would give me ***** ********** e-mail. In my opinion, there should not be restrictions on getting good customer service, even if contacting customer-service supervisors at the executive level becomes necessary. I expected better from a regional bank than I have received to date. If my requests for resolution are ignored or refused, I will be requesting that my recently opened Money Market and corresponding Freestyle Checking account be "annulled" and refunded in full with no penalties whatsoever.
Business Response
Date: 06/27/2025
Dear *** ********,
Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on June 23, 2025, regarding your account security at ******************************************* ******************** (FNB).
We have reviewed the details of your complaint. The security of all customer accounts is FNB's highest priority, and we have confirmed that your account remains secure. Please note that we have measures in place to authenticate your identity as an accountholder, which may require a verbal response, prior to providing any personal information through our various banking channels, including office locations and the *** *************** As of the date of this letter you have been opted out of receiving marketing correspondence from ***, and your information will no longer be shared with our affiliates for marketing purposes. Please be advised that you may still receive marketing information for up to thirty days.
We hope this response to your complaint meets your satisfaction. While this communication is intended to present the facts of the situation, we would like to express our appreciation for your business and our hope that you will continue to allow us to serve your financial needs.
Sincerely,

******* Christopher
Market Manager

Customer Answer
Date: 06/30/2025
Better Business Bureau and ******* ***********:
In consideration of ******* ************* letter guaranteeing that he has personally engineered on my behalf opting out of all available information sharing, and in consideration of his additional letter to me promising to address my other concerns within 15 days, I am accepting my complaint ID ******** as resolved.
Regards,
********* ********
Initial Complaint
Date:06/20/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was recently behind on my car payment due to seeking mental health treatment and switching jobs. First National bank repossessed my car and when I called to pay the past due balance to reinstate my loan I was told that I needed to refinance my loan somewhere else or to out right pay $28,000 and that I only had 15 days to do so. Also called them and asked to see if I was still able to make payments and they told me know that I had to wait for a decision as to weather or not I had to pay the full amount that was still owed.
Business Response
Date: 07/01/2025
Please see attached response and enclosures. Thank you.
Customer Answer
Date: 07/02/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I want to know who changed my address without my acknowledgment and why you locked me out of my bank account that allowed me to pay on my loan.

Regards,

***** *****
Initial Complaint
Date:06/18/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have multiple problems with this bank.1) This company won't let me see my savings account online. I signed up online, enrolled in online banking, deposited money online, and they won't let me see my account. Without the ability to view my account, I cannot do anything with it.2) This company sent me an email stating they will not honor the terms of the sign up offer for $700. They made me an offer online and gave me a bonus code. I utilized the code and signed up due to the offer and the terms presented. I complied with the terms of the offer and had $7,500 deposited in consideration of the offer. They accepted the deposits.
Business Response
Date: 06/30/2025

Better Business Bureau Casell 23488389
Dear *** De Medicis,
Please accept this letter asa response to the complaint that we received on June 18, 2025, from the
Better Business Bureau (BBB), regarding your deposit accounts at ******************************************* Bank (***),
We have reviewed the details of your complaint regarding your promotional reward, On June 11, 2025,
you opened new checking and savings accounts via the *** website, with a code forapromotional
reward for which you could earn up to $700.00 total for meeting certain requirements. Unfortunately,
your accounts do not meet the requirements for the promotional offer because the account promotion
was offered by mail only, and your address does not match the invitation for the offer.
Regarding access to ***'s Online Banking, we have confirmed that your profile is active, and both your
new checking and savings accounts are available for you to access.
If you have additional questions regarding your new accounts, or need additional assistance with Online
Banking, you may contact any *** branch office or the *** ************** at ************. Monday
through Friday, 8:00 AM until 9:00 PM and Saturday and Sunday, 8:00 AM until 5:00 PM.
Sincerely,
Tame ******
Regional Banking Executive
*******************
First National Bank
Customer Answer
Date: 06/30/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

The information in this letter is incorrect. The offer was not made by mail only. The offer was made on their website. The terms were clearly stated. The offer was applied to my account when I applied through a code. It has to have been because how else would they have known to email me to say that I didn't qualify? I am attaching the forms I received when signing up that show that the promotion code was applied when I signed up. I am only including one page since my SSN is on the other pages. There were no limitations in the terms of the offer that referenced any limitations by mailing address. I provided the consideration that was requested for the offer. We therefore had a binding contract, and the bank has breached the contract.

Regards,

***** **********
Business Response
Date: 07/10/2025
Better Business Bureau Case# ********
Dear *** **********,
Please accept this letter as a response to your complaint appeal that we received from the ************************* (BBB) on June 30, 2025, regarding your deposit accounts at ******************************************* Bank of
************ (FNB).
We have reviewed the details of your complaint appeal regarding your promotional reward. While
additional information regarding this promotional offer is available online, the *** for this offer was
only provided through the mailer and not through any other means, including through websites that
************ promotional offers. Pursuant to the Terms and Conditions of this promotional offer,
enclosed for your reference, this offer was non-transferable, and in the event that we determine, at our
sole discretion, that your account does not meet the eligibility criteria, we will not be obligated to credit
you the promotional reward.
We hope this response to your complaint meets your satisfaction.
Sincerely
*** ******
Regional Banking Executive
*******************
First National Bank
Customer Answer
Date: 07/10/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I fulfilled the terms of the offer and am owed the sign up bonus. I am within the service region. The bank is leaning on the assertion that they did not have my address in their system prior to my sign up, but nowhere in the terms of the offer that they themselves posted on the BBB website is this listed as a condition of sign up and receiving the bonus. This condition is being retroactively added and was not initially disclosed. It's also not disclosed in the document they posted. No one taking the steps of creating a bank account and depositing money would have any indication that they could be disqualified for this reason.

Regards,

***** **********
Initial Complaint
Date:06/08/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My late wife and I had a checking account and associated home mortgage loan with First National Bank (FNB). After her passing I remarried and was consolidating accounts. I went to my local *** office in early February and signed paperwork to close BOTH (checking and home equity (HE) account), paid the balance on the latter, and the cashier assured me both were closed. Around early March I received a notice in the mail from *** stating the home equity line (which I previously closed), was unsecured since I changed insurance and they were not notified. For a second time I went to the local office and spoke with **** who said the home equity had in fact not been closed despite earlier assurances to the contrary. I again closed this account and as I was ready to leave two cashiers whispered to each other and noted that I had to pay around $900 to close the account for an "early termination fee", even though I've had the HE account for over a decade. When I mentioned the prior manager, ***** ******, never mentioned this the head cashier rolled her eyes and said "we've heard this before a number of times" about the not disclosing fees. (I also noted I did indeed have insurance on the property). Because of this they said they'd call to get a waiver and I should consider the account closed if I did not hear from them, which I never did - so for a second time was under the belief the HE line was closed......until, around early April I received yet another letter from ***. Since the local branch was ineffective, I called the national number, and tried to close the account with them, but was told I had to go to the local branch. So, for a THIRD time I traveled an hour to try and close it. I was told the large fee was not waivable as FNB (and NOT me) reclassified the loan and therefore it was considered a "new loan" despite my having this account for 15 years. I am selling the house and need this resolved, Please call - I don't want to involve lawyers/social media,
Business Response
Date: 06/23/2025
Better Business Bureau Case# ********
Dear *** ********,
Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on June 8, 2025, regarding your Home Equity Line of Credit (*****) at First National ******************** (FNB).
We have reviewed the details of your complaint regarding your *****. On February 4, 2025, you visited the Huntingdon Office of *** and requested to close your checking account ending in 5874 and your *****. Your checking account was successfully closed at that time and payments were processed to satisfy the principal and interest balances of your loan. Although your loan balance was brought to $0.00, the Satisfaction fee for ***************** and the Early Termination fee were not paid, which required the ***** to remain open.
On May 9, 2025, Force Placed Insurance (***) in the amount of $550.00 was purchased on your behalf and added to your loan per your loan note because FNB did not have proof of a current insurance policy. On June 13, 2025, the *** was fully refunded to your loan balance per the enclosed notification.
Please note that the Satisfaction fee is paid directly to your county in order to release the lien on your property. On June 16, 2025, *** received payment of the Satisfaction fee in the amount of $90.15.
As a courtesy, the Early Termination fee outlined in your loan note in the amount of $350.00 was refunded to your loan. Your loan was successfully closed on June 16, 2025. I spoke to you on June 16, 2025, to confirm the fee refund and that your loan was closed. You were satisfied with the call.
Sincerely,
******* Pirro
Markt Managr
Initial Complaint
Date:05/15/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In January, our joint checking account # ******** experienced a fraudulent transaction. I caught this one immediately and called the bank to stop it on that Friday and the **** payment transaction was stopped. Even though I had alerted the bank on the 24th, a second fraudulent transaction happened on 1/28 to pay Discover and was allowed to process.We do not have either a Discover or **** card. We were charged for an *** which I later had to request be resolved.Because we now had a new *** checking account, Ms. ****** assured me that the automatic draft for our loan payment at each month end would be moved to come from the new account. The January payment occurred on 1/29 from the closed account. We were in the process of moving to ********* at the end of February and did not have consistent internet access. Therefore, I did not notice that the draft had not happened until 3/17 when we closed on a HELOC / bridge loan and the paperwork indicated a higher payoff on this loan than I anticipated.When I alerted the branch, the February payment was made LATE, and we were charged a late fee.The loan payoff that was made with the ***** was therefore too high and we were refunded $ ******** on 3/*****. ****** sent me an accounting of the activity on the # ******** loan as attached:One late fee was reversed but we were charged again. after March 21, ******* the end of April 2025, this 2nd late fee was *********** a minimum, I believe we are still due a refund of the interest of $ ***** that was charged after the loan was paid ****** addition, some of the additional interest that accrued as a result of the missed payment should be ****** was not our fault that *** did not take the payment for our FNB loan from our new FNB account as we were assured.Automatic payments were a condition of this ********* manager *. ****** did tell me that they were recalculating to determine the interest difference and would get back with me. She has left the bank employ.
Business Response
Date: 05/29/2025
Better Business Bureau Case# ********
Dear *** ********,
Please accept this letter in response to the complaint that we received on May 15, 2025, from the ************************* (BBB), regarding your loan at First National ******************** (FNB).
We have reviewed the details of your complaint regarding your Home Equity Installment Loan (****).
Because your account ending in 6439 was closed on February 5, 2025, you were notified that an updated
authorization form would need to be completed and signed in order to enroll in automatic payments again
for your loan. On February 7, 2025, you and the co-borrower signed forms authorizing automatic payments
that would occur monthly beginning on March 28, 2025.
You did not make your payment that was due on February 28, 2025, until March 20, 2025. Per the loan note,
a late fee in the amount of $106.96 was applied to your loan. As a courtesy, the late fee was refunded to your
checking account ending 6632 on April 28, 2025.
Please note that in accordance with your loan note, interest accrues on your loan on a daily basis. The
amount of your payment that is applied to interest is calculated based on your principal balance and the
number of days between payments. Although more of your monthly payment may be applied to interest if
there is a longer timespan between payments, as a result your next billing cycle would have less days
between payments if payment is made by the due date. For example, there were 50 days between your
payments in January and March, which calculates to $2,627.31. However, because you paid off your loan on
March 21, 2025, there was only one day of interest applied in the amount of $52.53. Because your interest
accrues on a daily basis until the date your loan is paid off, we have determined that you will not be credited
for this one day of accrued interest.
We hope this response to your complaint meets your satisfaction. While this communication is intended to
present the facts of the situation, we would like to express our appreciation for your business and our hope
that you will continue to allow us to serve your financial needs.
Sincerely,
******** Capps ****
Market Manager
Initial Complaint
Date:05/02/2025
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Ive been a customer with FNB since 2019, starting with a mortgage on a home in ********, which I sold in mid-2024. That experience went smoothly, so when we purchased a new home in November 2024, we again chose *** and worked with ****** ***** in the ************* area. She and the mortgage team were excellent. During this process, we were encouraged to open a checking account with ***, despite being happy with our current bank (SoFi). We were offered a promotion (code: MORT50024): receive $500 for opening a checking account and, within 90 days, making $2,500+ in direct deposits and at least 15 debit transactions. We opened the account in October 2024 and met all the stated requirements well before the 90-day deadline.After 90 days, I followed up and was told we qualified and the $500 would post within 30 days. When that didnt happen, I followed up againonly to be told the bonus was denied because the promo code wasnt used. This is false. I even emailed the *** rep ******** ******, who originally provided the offer, to let her know that we had successfully created the account. This can be seen in the two attachments. At not time was I ever told that something was done incorrectly. Weve asked for escalation multiple times but are now being ignored. We fulfilled every requirement. The issue seems to be a technical error on their end in recording the promo code. It is unacceptable to deny the reward based on that, especially when weve provided clear evidence and acted in good faith. This has left us feeling misled and dismissed after years of positive business with ***.
Business Response
Date: 05/19/2025
May 19, 2025
***** *****
******************
******************
Better Business Bureau Case# ********
Dear Mr. **************** accept this letter as a response to the complaint that we received from the Better Business
Bureau (BBB) on May 2, 2025, regarding your checking account at ******************************************* ********************
(FNB).
We have reviewed the details of your issue regarding a promotional reward for your checking account.
In October of 2024, you submitted an application for a mortgage loan with Mortgage Banking
Consultant ****** *****. During the application process, you were advised of a promotion that *** was
offering for new mortgage clients, where you could earn $500.00 for meeting certain requirements if
you opened a new FNB checking account in conjunction with the loan.
On October 18, 2024, you opened a new checking account at ******************. During the account
opening process, there was no record found to support that you entered the promotional code
MORT50024 for your checking account to be eligible for the $500.00 reward. After further review, we
have determined that you intended to earn the reward by completing the transaction requirements. On
May 7, 2025, your account was credited the $500.00 for the promotion reward. A copy of your recent
transaction history is enclosed for your reference.
We hope this response to your complaint meets your satisfaction. While this communication is intended
to present the facts of the situation, we would like to express our appreciation for your business and our
hope that you continue to allow us to serve your financial needs.
Sincerely,
***** ******
Market Manager
*******/*************
First National Ban

Customer Answer
Date: 05/20/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

***** *****
Initial Complaint
Date:05/01/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My ****** account was compromised over the last week and money was debited from my checking account that was never debited by myself or received by me. As result, my checking account bounced and I was penalized $35 for an overdraft fee. I explained the situation to the manager, but she was pretty unsympathetic to my situation.
Business Response
Date: 05/15/2025
****** Poole
************************
************************;
Better Business Bureau Case# ********
Dear Ms. ********************** accept this letter as a response to the complaint that we received from the Better Business Bureau (BBB) on May 1, 2025, regarding your checking account at ******************************************* ******************** (FNB).
We have reviewed the details of your complaint. On April 29, 2025, you contacted the *** ************** to report an alleged unauthorized transaction on your checking account. The agent who assisted you filed two disputes on your behalf.
On April 30, 2025, your Automated Clearing House (ACH) dispute was accepted, and a permanent credit in the amount of $50.00 was credited to your checking account. Additionally, a provisional credit totaling $85.00 was issued to your account for your debit card dispute on May 13, 2025. An overdraft fee in the amount of $35.00, related to the unauthorized ACH charge was also credited to your account on May 13, 2025. A copy of your recent account activity is enclosed for your reference. Please note that the debit card dispute investigation may take up to ninety (90) days. You will be notified via letter regarding the outcome once it is completed.
We hope this response to your complaint meets your satisfaction. While this communication is intended. to present the facts of the situation, we would like to express our appreciation for your business and our hope that you will continue to allow us to serve your financial needs.
Sincerel
****** Hooper
Market Manager
Central Mountain

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

First National Bank of PA is NOT a BBB Accredited Business.