Complaints

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

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• 

  First National Bank of PA

  626 Washington Pl Pittsburgh, PA 15219-3474

• 

  First National Bank of PA

  2634 Darlington Rd Beaver Falls, PA 15010

• 

  First National Bank of PA

  202 Devine Dr Wexford, PA 15090

• 

  First National Bank of PA

  1701 Duncan Ave Allison Park, PA 15101

• 

  First National Bank of PA

  2100 Washington Pike Carnegie, PA 15106

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: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 Ms. Gottlieb, 

  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 First National Bank of Pennsylvania (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 FNB Contact Center. As of the date of this letter you have been opted out of receiving marketing correspondence from FNB, 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, 

  
  Matthew Christopher 
  Market Manager 
  

  
  

  Customer Answer

  Date: 06/30/2025

  Better Business Bureau and Matthew Christopher:

  In consideration of Matthew Christopher's 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 23502519 as resolved. 

  
  Regards,
  Elizabeth Gottlieb

• 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 23496323, 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,
  
  
  
  Haley Boyer

• 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# 23440287 
  

  Dear Mr. Borgardt, 
  

  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 (HELOC) at First National Bank of Pennsylvania (FNB). 
  

  We have reviewed the details of your complaint regarding your HELOC. On February 4, 2025, you visited the Huntingdon Office of FNB and requested to close your checking account ending in 5874 and your HELOC. 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 Huntingdon County and the Early Termination fee were not paid, which required the HELOC to remain open. 
  

  On May 9, 2025, Force Placed Insurance (FPI) 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 FPI 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, FNB 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, 
  

  Jillian Pirro 
  Markét Managér 
  

  
  

  
  

• 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 

• Initial Complaint

  Date:04/30/2025

  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.

  On 10/17/24 my vehicle was totaled, the loan through *** was current with a regular payment of $476 due on 11/01/24. My insurance made a payment on my behalf in the amount of $11195.57 on 11/05/24. A regular payment of $476 was made from my checking on 12/12/24 and then my insurance company paid the remaining balance on 01/01/25. *** has reported to the different credit bureaus that the payments for November and December of 2024 and January of 2025 are either more than 30 days late, more than 60 days late or missed depending on which agency report you look at. None of these payments are even 30 days late let alone 60 days or missed. This false information on my credit report is causing harm to my credit score and I would like it fixed as soon as possible.

  Business Response

  Date: 05/15/2025

  May 15, 2025
  **** ******
  ************************************************************************
  Better Business Bureau Case# ********

  
  Dear Mr. ************************ accept this letter in response to the complaint that we received from the Better Business Bureau
  (BBB) on May 1, 2025, regarding your vehicle loan at First National ******************** (FNB).
  We have reviewed the details of your complaint regarding credit reporting on your vehicle loan.
  Pursuant to the enclosed note that you signed on January 16, 2023, beginning on March 2, 2023, your
  monthly payments in the amount of $477.00 are due on the second (2nd) day of each month. Payments
  that are made more than thirty (30) days after the due date are subject to being reported to the credit
  bureaus. The note further states that if your vehicle is damaged or destroyed, you as the borrower agree
  to pay *** the unpaid balance of the loan under this contract.
  You notified FNB of the total loss of your vehicle on October 17, 2024. On November 5, 2024, FNB
  received a payment from your insurance carrier for the total loss in the amount of $11,195.57, which did
  not fully pay off your loan. On November 6, 2024, because your loan was not paid off, the enclosed
  notice advising of a remaining balance of $7,507.45, along with a payoff quote valid until December 6,
  2024, were sent to you at the address on file.

  On December 12, 2024, FNB received payment from you in the amount of $476.00, which applied to
  your payment due November 2, 2024. Because this payment did not satisfy the balance due, interest
  and late fees continued to accrue on the loans balance. No additional payments were received until
  January 10, 2025, when *** received a payoff from your insurance carrier for the remaining balance of
  $7,102.76, which also satisfied the payment due December 2, 2024. Please note that because your
  payments due November 2, 2025, and December 2, 2025, were made more than 30 days past due, they
  are considered delinquent and are being reported to the credit bureaus as more than 30 days past due.
  At *** we strive to treat all customers fairly. For this reason, we are unable to adjust your credit report
  unless there is evidence of incorrect reporting. We have researched your loan to ensure it is reporting
  correctly.

  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 allow us to continue to serve your financial needs.
  

  Sincerely,
  ****** ******
  Market Manager

  Customer Answer

  Date: 05/17/2025

  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.
  
  They clearly agree in their response that on 11/05/24 they received my payment $11195.57, this is more than enough to cover the payment of $476 due on 11/02/24 and is less than thirty days late. They clearly agree that they received my payment of $476 on 12/12/24, this covers the payment due on 12/02/25/ and is less than thirty days past the due date. They clearly agree that they received my payment covering the remaining balance of the loan on 01/10/25 also less than thirty days past the due date of 01/02/25. They have failed to explain why these payments still being reported as thirty or sixty days past due or as missed payments. These reports are clearly false and their response is not acceptable. I've been a customer of this bank for many, many years, and this is how they choose to treat me...
  
  Regards,
  
  **** ******

• Initial Complaint

  Date:04/28/2025

  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 first national bank business card was lost lost with my pin and someone used my card when it was lost the transactions was disputed a credit was put on my account but was reversed now my account is over drawn and I ask that this be reopened and looked into more because I don't see why it was reversed and the name of the business is ***************

  Business Response

  Date: 05/12/2025

  May 12, 2025
  ***** *****
  ********************
  **************************
  Better Business Bureau Case# ********
  Dear Mr. **************** accept this letter in response to the complaint that we received from the Better Business Bureau
  (BBB) on April 28, 2025, regarding your business checking account at ******************************************* ********************
  (FNB).
  We have reviewed the details of your complaint regarding your dispute. On March 15, 2025, you called
  the *** ************** to report alleged unauthorized activity that had occurred with your debit card.
  The agent who assisted you filed a dispute on your behalf for the transactions, which totaled $3,600.00.
  Your account was provisionally credited on March 25, 2025, while the dispute was being investigated.
  On March 25, 2025, *** requested additional information for your dispute investigation as referenced
  in the enclosed letter that was mailed to your address on file. As stated in the letter, the requested
  information needed to be provided within fifteen (15) days from the date of the letter.
  Because *** did not receive the additional information that was requested, your dispute was declined,
  and provisional credit previously issued to your account was reversed on April 14, 2025. Upon further
  review of your initial dispute documentation, it was determined that the reversal was completed in
  error, and a permanent credit of $3,600.00 was issued to your account on May 8, 2025. In addition, fees
  in the amount of $217.62 were refunded to your account on May 9, 2025. A copy of your account
  activity is enclosed for your reference.
  We apologize for any inconvenience this may have caused and hope this response to your complaint
  meets your satisfaction. We have used your experience as a coaching opportunity for our employees to
  ensure *** continues to provide an exceptional customer experience.
  Sincerely,
  **** ******
  Market Manager

• Initial Complaint

  Date:04/27/2025

  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 did not realize you were not able to deposit money into your chime account using an ATM at a national bank as you are able to deduct and withdraw money from an ATM at a national bank. On April 19, I took my Chime card the first national bank in bridgeville **, inserted it. It asked for my pin I put it in. It asked what function I wanted to do. I selected deposit it opened the money slot I inserted $500 cash. It spit out a receipt stating that the transaction was not permitted. It did not return my debit card or my money now first national, brinks the company who services their ATMs, and Chime refuse to return my money. Brinks and First National are telling me ***** is responsible to file a dispute with ***, in order to recoup the funds directly into my chime account. I have spoken with over a dozen Chime employees, including several supervisors - they are telling me they have no recourse to do so as there is no transaction showing on my Chime account to file a dispute on. I told First National what time was telling me and they told me these receipts I have just uploaded should be evidence enough for them to take action. I filed a complaint about *****, but they have denied it and they will not make the dispute. Therefore, my only resort is to have first national bank bridgeville branch return my money to me. Please see the attached evidence it is clear $500 was inserted in that ATM on 4/19/25 and since my bank, chime, will not file the dispute, the owner is on First National return my money to me

  Business Response

  Date: 05/09/2025

  May 9, 2025
  ***** *****
  ********************************************************************************************
  

  Better Business Bureau Case# ********
  Dear Ms. *********************** accept this letter in response to the complaint that we received from the Better Business Bureau
  (BBB) on April 27, 2025, regarding your *** deposit at First National ******************** (FNB).
  
  We have reviewed the details of your complaint regarding a missing *** deposit. On April 19, 2025, you
  allege that you made a deposit in the amount of $500.00 at the *** located at the *********** office of
  ***, however, the account you were attempting to deposit funds into was an account held by Chime.
  Because Chime does not allow shared deposits with ***, the deposit was not accepted by Chime.
  As you stated in your complaint, you contacted *** via phone regarding your missing deposit and you
  were advised to file a dispute with Chime. On April 28, 2025, you spoke with Branch Manager *********
  ******** via phone and advised that ***** had denied your dispute. Ms. ******** advised you to visit
  the Chartiers Valley office and file a dispute. On May 2, 2025, you filed the dispute at the *************************** and it was submitted on your behalf. You will be notified once the investigation has been
  completed.
  We apologize for any inconvenience this may have caused and hope this response to your complaint
  meets your satisfaction.
  Sincerely,
  ******* *******-*****
  Market Manager
  ********** Region
  First National Bank