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

  1625 Beaver Rd Baden, PA 15005

• 

  First National Bank of PA

  600 Walmart Dr Gibsonia, PA 15044

• 

  First National Bank of PA

  2 Kensington Square New Kensington, PA 15068

• 

  First National Bank of PA

  4960 William Flynn Hwy Allison Park, PA 15101

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:12/03/2022

  Type:Product 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.

  Re: **********.
  On 11/22, my account became overdrawn due a bill pay entry. I did not see this until a few days later, as my registered email with the bank was compromised, due to me receiving a Verizon phone using that email facilitating my need to close my Capital One card ending ****.
  I called in Monday to the Pa. call center. I was under the impression that bill pays were automatically deducted at issuance. It turns out the electric company was a small company, and received a physical check.
  In any case, I was informed that I would receive a call by Wednesday. On Thursday, I called again, and was told I was scheduled to receive a call.
  On the way to Monroe, the call came in Friday. A Renee, at the Monroe branch called, and informed me that the branch manager(Patty C*******) refused to rescind the $37.00 charge, and $12.00 subsequent charge, for a total of $49.00.
  I do understand that this was a new account, which I presume lad to this decision. My $2400 in direct deposits went through on 12/2.
  Usually banks look at banking past history for overdrafts, and such without making an arbitrary decision. I have an 800 Vantage score on 2 of the bureau's. To complicate matters; Renee asked me if I enrolled in the Penguins
  package for $25.00. I informed her of the benefits of the package, and stated I did not need a credit card, as I received a new Capital One Savor One card 3 months ago, and do not apply for a bunch of cards due the effect on credit scores. Plus, I had ordered checks already, and received them from a third party company. Penguins ticket discounts are of little use to me.
  Thank you,
  ****** ***

  Business Response

  Date: 12/16/2022

  December 16, 2022
  ****** ***
  **** **** *** **
  ********** ** *****
  ****** ******** ****** ***** ********
  Dear Mr. ***,
  Please accept this letter in response to the complaint that we received from the Better Business Bureau
  (BBB) on December 3, 2022, regarding your checking account at First National Bank of Pennsylvania
  (FNB).
  We have reviewed the details of your complaint regarding the Overdraft fees (OD fees) assessed to your
  account. Your available balance is the amount of money you have in your account that is available for
  you to use. It is your responsibility to balance your checking account and to know your available balance
  by recording all credits and debits in your checkbook, or by reviewing Mobile Banking or Online Banking.
  

  You can view your available balance at any automated teller machine (ATM) or on a supported
  electronic device by using Mobile Banking or Online Banking. You also may contact your local branch or
  FNB’s Customer Service Center via telephone at 1-800-555-5455. Your available balance does not
  include any checks you may have written, or electronic Automated Clear House transactions (ACH) that
  you have scheduled, which have not posted to your checking account.

  On November 15, 2022, the ending balance for your checking account was $31.00. No further
  transactional activity occurred on your account until November 21, 2022. To determine your available
  balance, we take your ending balance from the prior business day plus or minus any preauthorized
  debits or available credits. Your available balance to pay items on November 21, 2022, was $31.00. From
  your available balance, your account was presented with one (1) item in the amount of $56.00, which
  posted to your account leaving a negative balance of $25.00. The OD fee assessed to your account in the
  amount of $37.00 on November 22, 2022, was caused by this $56.00 transaction.

  Your account remained overdrawn for three (3) business days and was assessed a $12.00 Continuous
  Overdraft fee (COD fee) on November 23, 2022, per the enclosed Consumer Fee Schedule. On December
  16, 2022, a one-time courtesy refund in the amount of $49.00 was credited to your account, which
  consists of the $37.00 OD fee and $12.00 COD fee assessed to your account. Please keep in mind that
  going forward, no further fees will be refunded to your account unless they are a result of bank error. A
  copy of your recent transaction activity is enclosed for your reference.

  When you applied for your checking account online on October 20, 2022, you added the Penguins Power
  Play Package promotion code to your account. Per the enclosed disclosures which you agreed to when
  applying, you may receive a reward up to $400.00 if the requirements stated are met. If you meet the
  requirements and your account is in good standing at the end of the promotional period, your account 
  **** ** ********* ***** ******* ** *****
  will be credited the reward within fifteen (15) business days following the ninety (90) days after account
  opening. The disclosures state that the annual fee for the Penguins Power Play Package is $25.00, which
  was assessed to your account on November 30, 2022.

  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,
  Jill K*****
  Market Manager
  Charlotte Region
  First National Bank

  Customer Answer

  Date: 12/17/2022

  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:12/02/2022

  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 am not sure what the issue is, but there are constant outages and problems with direct deposits. I have bills due and things coming out but I can’t seem to do anything and no one knows the answer to when things will be fixed and this has been the longest wait period they ever had. I am not understanding what is going on.

  Business Response

  Date: 12/14/2022

  
  Please accept this letter in response to the complaint that we received from the Better Business Bureau
  (BBB) on December 2, 2022, regarding your checking account at First National Bank of Pennsylvania
  (FNB).
  We have reviewed the details of your complaint regarding your direct deposit. On December 2, 2022, I
  contacted you via phone to explain that there was a known processing issue that caused delays with
  direct deposits posting to accounts that FNB was working diligently to resolve. You advised me that you
  had been contacted by another FNB employee earlier that day and were advised that the funds from
  your direct deposit were available to use in your account. I thanked you for your patience with resolving
  the issue, and you were satisfied by the end of the call.
  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,
  Tamara W*****

• Initial Complaint

  Date:11/11/2022

  Type:Customer Service 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 had a payment coming out from t mobile for a phone bill. I checked my account that morning on 10/24 and my account balance was $10.00 and my paycheck was not going in for a few days. I contacted t mobile as I was supposed to have a payment come out on the 25th. I was told no payment would be taken out and I attached the picture of the conversation with the t mobile representative. So on the morning of the 25th I wake up to a -288.00 bank balance. I work in downtown Pittsburgh and on my lunch break I went to the closest branch. She filed a dispute for me but that was not my home branch. The bank manager at 307 fourth avenue location told me that I was supposed to contact my home branch located at 501 towne square way Pittsburgh, PA 15227. So I called them right away to speak to the branch manager about the charges. She was not in and was in training she was to return Monday. Come Monday still no phone call for the whole week! I called Friday again and I talked to her. She was not helpful and said disputes take a long time. I told her the situation and I want my overdraft money back it was not my fault I have been following up on the account. I have bills to pay and then I told her I want who was above her phone number. I have been leaving messages with a lady named Sheila all week and still have not had a call back. The level of unprofessionalism is amazing to me. I can’t get a hold of anyone and no one will return my call. I call the 1-800 they keep telling me everything has to be done by home branch. I just want my refund given to me for the overdraft fees. This is insane that this is dealing with someone’s money and I can’t get a hold of anyone! I’m also very angry because I have been following up on the matter and once I realized what happened with the account I wanted to fix it right away. I have been doing the proper steps for this whole process.

  Business Response

  Date: 11/25/2022

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on November 11, 2022, regarding your checking account at First National Bank of Pennsylvania 
  (FNB).

  
  We have reviewed the details of your complaint regarding your debit card dispute. On October 25, 2022, 
  your available balance to pay items was $107.42. From your available balance, your account was 
  presented with five (5) items, including a $92.48 T-Mobile transaction. This T-Mobile transaction caused 
  your account to become overdrawn, and a $185.00 Overdraft fee (OD fee) was assessed to your account 
  on October 26, 2022.

  
  You visited the Fourth & Wood Office on October 26, 2022 and advised that you had made 
  arrangements with T-Mobile for the payment to not be debited from your account, however it had 
  posted to your account. Assistant Branch Manager Michele T******** filed a dispute on your behalf. On 
  November 4, 2022, your dispute was declined and the enclosed notification was mailed to your address 
  that was on file.

  
  On November 4, 2022, you left me a voicemail regarding your concerns with the dispute and OD fees, 
  and I returned your call on November 7, 2022. On November 14, 2022, we spoke a second time via 
  phone, and I advised you that the dispute was declined. You advised your address had changed and that 
  you had not received the dispute letter dated November 4, 2022. I updated your address and mailed the 
  dispute letter.

  
  On November 1, 2022, you were advised that because of previous courtesy refunds credited to your 
  account, no additional refunds would be credited moving forward unless if they were caused by bank 
  error. I advised you on the phone call on November 14, 2022, that because the dispute was declined, 
  the OD fees could not be refunded. You advised you were in contact with T-Mobile directly to attempt 
  to resolve the issue. On November 15, 2022, your checking account was closed upon your request, and a 
  copy of your final statement is enclosed for your reference.
  
  We hope this response to your complaint meets your satisfaction.

  
  Sincerely,
  Sheila S******
  Market Manager
  Pittsburgh Region
  First National Bank

• Initial Complaint

  Date:11/10/2022

  Type:Product 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 file with first national bank about someone using my bank card and they paid me the money that was play on bet mgm but they didn't give me my overdraft fee they said that since I played bet mgm there not giving me the overdraft money back and they change the reason I put down so they won't have to paid me yes I do play but the on that I dispute I didn't play THANK YOU

  Business Response

  Date: 11/22/2022

  Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) 
  on November 10, 2022, regarding your checking account at First National Bank of Pennsylvania (FNB).
  We have reviewed the details of your complaint regarding your debit card dispute. On July 20, 2022, the 
  ending balance for your checking account was $128.00. To determine your available balance for July 21, we 
  take your ending balance from the prior business day plus or minus any preauthorized debits or available 
  credits. Your available balance to pay items on July 21, 2022, was $17.00, which included a $111.00 overdraft 
  fee (OD fee) that was charged due to the items that posted on July 20, 2022. From your available balance, your 
  account was presented with seven (7) items totaling $130.00, which posted to your account leaving a negative 
  balance of $113.00. The OD fees assessed to your account on July 22, 2022, totaling $222, were caused by the 
  following transaction amounts: $25.00, $20.00, $10.00, $50.00, $10.00 and $5.00. Enclosed is your account’s 
  transaction history, which includes the fees and disputed transactions.

  
  On July 22, 2022, you called the FNB Contact Center and stated that one (1) Unibet item and seven (7) 
  BetMGM items that posted to your account on July 21 and July 22 totaling $125.00, were unauthorized. The 
  Contact Center Representative you spoke with filed a dispute on your behalf to investigate the transactions. 
  On October 17, 2022, a permanent credit of $125.00 was deposited into your account for the alleged fraud. 
  The enclosed letter notifying you of the credit was mailed to you on the same day. As a courtesy, on November 
  16, 2022, you also received a $296.00 refund for the OD fees charged as a result of the disputed transactions.
  We hope this response to your complaint meets your satisfaction. While this communication is intended to 
  present the facts of the situation, we would also like to express our appreciation for your business and our 
  hope that you will continue to allow us to serve your financial needs.

  
  Sincerely,
  Deanna B***********
  Market Manager
  Pittsburgh Region
  First National Bank

• Initial Complaint

  Date:10/24/2022

  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.

  Why would I get a late on my credit
  
  it would been 30 days 1023
  
  I paid in cash on 1022 09 cents
  
  Fix my credit

  Business Response

  Date: 11/07/2022

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on October 24, 2022, regarding your auto loan at First National Bank of Pennsylvania (FNB).

  
  We have reviewed the details of your complaint regarding the information reporting to credit bureaus 
  for your loan. Pursuant to the loan note you signed for the vehicle you purchased on March 9, 2016, 
  your payment is due on the twenty-third day of each month. Payments that are made thirty (30) or 
  more days after the due date are subject to being reported to credit bureaus. 

  
  Your payment history indicates that there are (2) payments that were 30 or more days late. The 
  payment due on January 23, 2022, was made on March 8, 2022, and the payment due on February 23, 
  2022, was made on April 15, 2022. Because these two (2) payments were over thirty (30) days past due, 
  they were reported to credit bureaus. Because these late payments were not caused by a bank error, we 
  are unable to adjust your credit reporting and have determined the information being reported is 
  correct.

  
  We understand that your credit report is like your financial fingerprint and think it is great that you are 
  taking steps to become financially healthy. FNB has Financial Insights videos available on our website 
  that you may find helpful in this journey. You can access our “Building and maintaining good credit,” 
  video under the eStore tab on?www.fnb-online.com. As you continue in your journey please feel free to 
  utilize FNB’s Financial Insights tools and reach out to your local FNB branch if we can be of any further 
  assistance to you. 

  
  We hope this response to your complaint meets your satisfaction. While this complaint 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,
  Loan Servicing
  First National Bank

• Initial Complaint

  Date:10/21/2022

  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 have a mortgage loan through First National Bank of PA. I Have called, emailed, mailed letters to management, board members hoping someone assist me with this matter. I have had a mortgage through this company since November 2021 and sadly it has been a nightmare. I have never missed a payment and have even paid my payments before the actual due date. Every single month I get a letter stating my payment is late and have late fee. Every month I call your mortgage department to resolve the matter and every month and am asked to email a copy of the check from my bank. Every month I email a copy of the cleared check. Once I send the email, I call to confirm receipt and the issue is resolved until the next month; and it starts all over again. As a result of this unwarranted issue, your company is dinging my credit reporting with late payments and this need to be corrected. I have a Federal Government job and must explain why my payments are late. The Federal Government checks my credit report monthly. I need help to clear these false dings off my credit report.

  Business Response

  Date: 11/02/2022

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on October 21, 2022, regarding your mortgage loan at First National Bank of Pennsylvania (FNB).
  We have reviewed the details of your complaint regarding your loan payments. You have been making 
  your loan payments from your checking account at another financial institution through their Bill 
  Payment service. Because the checks FNB has been receiving have your former FNB checking account 
  number on them instead of your loan account number, the payment application to your loan has been 
  delayed and caused your loan to become past due. 

  
  On October 24, 2022, FNB updated the information that was reporting to credit bureaus for your loan 
  and removed the delinquent payment per the enclosed notification. As of the date of this letter, your 
  loan is current and your next payment is due December 1, 2022.

  
  If you intend to continue utilizing your financial institution’s Bill Payment service, please update this 
  information to include your loan account number, which is enclosed on your most recent statement. 
  You may also enroll in automatic payments to have your payment automatically debited from your 
  checking account each month by completing the enclosed ACH Authorization Form. The completed form 
  can be emailed to ***********@********.com or mailed to First National Bank Attn: Mortgage Servicing 
  **** ** ***** ****** ********** ** *****.

  
  We hope this response to your complaint meets your satisfaction. While this complaint 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,
  Nicole W*****
  Mortgage Proficiency Manager
  First National Bank

• Initial Complaint

  Date:10/15/2022

  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 8/5/22 I purchased a 2022 Ford Mustang Mache at the dealership financing through First National Bank. They sent the payment slips in the mail, I went in and made the first payment and asked them to set up an online account so that I can pay online. On 10/13 I log in to make the 2nd payment and there is a $7,000 charge for "forced insurance" added to the balance of my loan. Spent 45 minutes on hold to be told they are charging this because I do not have auto insurance. I informed them that I have had insurance since the time I was at the dealer picking up the car which is legally required in the state to purchase. I was informed that I can submit proof and get a refund for the charge with another company and that normally they send a letter asking for the information. I received nothing from them about this, no letters, calls, emails, online notifications, or even asked when I was at the bank or I would have given them the proof on the spot as I have always had coverage. Emailed the documents to the "insurance center" and then followed up with a call. Was told that yes they can now see I have coverage and that they would refund the insurance policy that was take out on 10/11/22 (2 days prior). On 10/4 they refunded a partial amount leaving a $1320.02 for 2 days of unneeded coverage. Both the customer service associate at the bank and the insurance center said this would be refunded with proof of insurance which I have provided and I am still being charged $1320.02 that I should not be.

  Business Response

  Date: 10/27/2022

  Dear Mr. ****,

  
  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on October 15, 2022, regarding your auto loan at First National Bank of Pennsylvania (FNB).

  
  Pursuant to the enclosed loan note for your vehicle purchased on August 5, 2022, you agree to obtain 
  physical damage insurance covering the loss of or damage to the vehicle, and our name must be added 
  on your insurance policy as an additional insured and loss payee. If you do not obtain this insurance, we 
  will purchase it on your behalf.

  
  On September 8, 2022, the enclosed notice was mailed to your address on record, stating that we had 
  not received proof of insurance for your vehicle. A second notice was mailed to you on September 22, 
  2022, which states that we will purchase insurance on your behalf if coverage is not provided within 
  fourteen (14) days of the date of the notification. On October 6, 2022, we purchased insurance for your 
  vehicle because you had not provided proof of insurance, and $7,000.00 was added to your loan’s 
  principal balance to cover the cost of the insurance premium.

  
  Once you provided the FNB Insurance Center with proof of your insurance coverage, a refund in the 
  amount of $5,677.00 and accrued interest in the amount of $2.98 were credited to your loan. On 
  October 21, 2022, the remaining $1,323.00 and $1.91 in interest were credited to your loan once it was 
  verified that you had the required coverage for your vehicle since the loan’s origination.

  
  We hope this response to your complaint meets your satisfaction. While this complaint 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,
  Loan Servicing
  First National Bank

• Initial Complaint

  Date:10/07/2022

  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.

  Nothing but problems with this bank. Web site never works properly. Had to waste a bunch of time trying to get in. Now they want to charge me for monthly statements. That has been a no since that scam started.

  Business Response

  Date: 10/21/2022

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on October 7, 2022, regarding your two (2) checking accounts at First National Bank of 
  Pennsylvania (FNB).

  
  On October 7, 2022, you called the FNB Contact Center for assistance with Online Banking. Your call was 
  escalated to a Contact Center Supervisor (CCS) upon your request, and the CCS assisted you with 
  resetting your Online Security questions so that you would be able to login. You were able to 
  successfully reset the questions, and you inquired about any applicable statement fees when you were 
  prompted to confirm your statement preferences in Online Banking. 

  
  The CCS confirmed with you that both your Free Small Business checking account and Lifestyle checking 
  account receive paper statements free of charge and directed you to where this product information 
  can be located on our website, www.fnb-online.com. Enclosed for your reference are both the 
  Consumer and Business Fee Schedules. To date, neither of your accounts have been assessed a paper 
  statement fee.

  
  We hope this response to your complaint meets your satisfaction.

  
  Sincerely,
  Edward D****
  Market Manager
  Mid-Atlantic Region
  First National Bank

• Initial Complaint

  Date:09/20/2022

  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.

  Paid $57.00 in bad check fees and overdraft fees. We contend there was money in our account.

  Business Response

  Date: 10/04/2022

  Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on September 20, 2022, regarding your checking account at First National Bank of Pennsylvania (FNB). 

  
  On September 9, 2022, you visited the Meadville Office and cashed a check in the amount of $1,064.91. Pursuant to the Deposit Account Agreement provided at account opening and enclosed for your reference, if we cash a check for you from another bank, we may withhold the availability of the corresponding amount of funds that are already in your account. There was a hold placed on your account for one (1) business day in the amount of $1,064.91. 

  
  On September 8, 2022, the ending balance for your checking account was $1,074.09. To determine your available balance for September 9, 2022, we take your ending balance from the prior business day plus or minus any preauthorized debits or available credits. Your available balance to pay items was $9.18 because of the $1,064.91 hold from the check that was cashed. From your available balance, your account was presented with one (1) item in the amount of $30.00, which left your account with a balance of negative $20.82. The Overdraft fee assessed to your account on September 12, 2022, in the amount of $37.00 was caused by this $30.00 transaction. A copy of your recent transaction activity is enclosed for your reference. 

  
  Because the teller who assisted you with the check cashing on September 8, 2022, did not advise you of the hold that would be placed on your account, a $37.00 refund was credited to your account on September 26, 2022. We apologize for any inconvenience this may have caused you and hope this response to your complaint meets your satisfaction. We have used your experience as a coaching opportunity for our employees to ensure FNB continues to provide an exceptional customer service experience. 

  
  Sincerely, 
  

  
  Allan K******* Market Manager Northwest Region First National Bank 
  

  
  

• Initial Complaint

  Date:09/14/2022

  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.

  ACCOUNT NAME: FIRST NATL BK OF PA
  ACCOUNT NUMBER: ************
  STATUS: CLOSED/ PAID
  - Last month, this account were able to remove the 30 day late payment from July 2021. How come there is a new late payment in May 2021 when it was not reported late last month? Please delete the 30-day late payment from the payment history. I told to the bureaus last month that I was never late on this account. Stop reporting me late, and stop adding inaccurate info to my account. Please update my account to pay as agreed.

  Business Response

  Date: 09/28/2022

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on September 14, 2022, regarding your auto loan at First National Bank of Pennsylvania (FNB).

  
  We have reviewed the details of your complaint regarding the information reporting to credit bureaus 
  for your auto loan that was paid off on July 1, 2021. We have determined that there was a late payment 
  reporting to credit bureaus for the incorrect month. On September 15, 2022, FNB updated your account 
  and removed the delinquent reporting. Please note that this update may take up to thirty (30) days for 
  credit bureaus to reflect on your credit report.

  
  We hope this response to your complaint meets your satisfaction.

  
  Sincerely,

  
  Loan Servicing
  First National Bank