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Bank

First National Bank of PA

This business is NOT BBB Accredited.

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Complaints

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

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    Customer Complaints Summary

    • 124 total complaints in the last 3 years.
    • 36 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/30/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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 IS NOT MY ACCOUNT I ASKED THEM TO VALIDATE THIS ACCOUNT AND THEY COULDN'T
      I DEMAND THIS ACCOUNT TO BE OFF OF MY CREDIT REPORT

      Business Response

      Date: 08/13/2024

      Please accept this letter in response to the complaint that we received from the Better Business Bureau 
      (BBB) on July 30, 2024, regarding your auto loan at First National Bank of Pennsylvania (FNB).
      We have reviewed the details of your complaint regarding your credit reporting. Pursuant to the 
      enclosed note that you signed on June 3, 2020, beginning July 18, 2020, your monthly payments in the 
      amount of $480.15 are due on the eighteenth day of each month. Payments that are made more than 
      thirty (30) days after the due date are subject to being reported to credit bureaus. Enclosed for your 
      reference is a copy of your payment history.


      You paid off your loan on June 4, 2024, and the lien on your vehicle was released. On July 27, 2024, you 
      submitted two (2) credit bureau disputes regarding the information that was reflected on your credit 
      report for your auto loan. We have determined that your final payment that was made in June 2024 was 
      not correctly reflected on your credit report at that time. On August 1, 2024, FNB submitted an update 
      to the credit bureaus to accurately reflect your last payment and paid off loan status. Please keep in 
      mind that it may take up to thirty (30) days for this information to reflect on your credit report.


      We hope this response to your complaint meets your satisfaction.


      Sincerely,


      Loan Servicing
      First National Bank

    • Initial Complaint

      Date:07/19/2024

      Type:Product Issues
      Status:
      Resolved
      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.
      Purchased a new car and had my insurance changed over that day. The insurance was full coverage on the vehicle. First National Bank of PA sent me a letter stating they needed proof of insurance. I waited a week before submitting the proof. When I looked at my loan, there was an additional $2,465.00 listed under FORCE PLACE INSURANCE. I called and complained and proved that I had changed my insurance over at the day of the purchase and they told me that I would give me a full refund. The only gave me a $1,904.00 refund. I made 5 attempts to call, the one time the service agent redirected me to a health insurance company. The attached PDF file is the declarations file that proves that I had insurance on the vehicle at the day of the purchase.

      Business Response

      Date: 08/01/2024

      Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on 
      July 19, 2024, regarding your auto loan at First National Bank of Pennsylvania (FNB).


      We have reviewed the details of your complaint regarding Force Placed Insurance (FPI) that was purchased for 
      your vehicle. Pursuant to the enclosed loan note that you signed on April 11, 2024, you agree to have physical 
      damage insurance covering the loss of or damage to your vehicle, in which FNB is named on your policy as loss 
      payee. If you do not obtain insurance, we will purchase insurance on your behalf and the cost of the premium will 
      be added to your principal balance.


      The enclosed notifications were provided to you on May 30, 2024, and June 13, 2024, which state that FNB did not 
      have proof of insurance coverage for your vehicle. The letters further state that if you did not provide proof of 
      insurance, an insurance policy would be purchased on your behalf by FNB. Because FNB did not receive proof of 
      insurance from you, FPI in the amount of $2,465.00 was purchased for your vehicle per the enclosed notification 
      dated June 27, 2024.


      On July 3, 2024, you spoke with a representative of the FNB Insurance department, who determined that the 
      incorrect lienholder was listed on the insurance policy that you had for your vehicle. That same day, $1,904.00 of 
      the FPI that was purchased for your vehicle was partially refunded per the enclosed notification.


      The remaining FPI in the amount of $561.00 was credited to your loan on July 23, 2024, once the Insurance 
      department confirmed the effective date of your insurance coverage per the Declaration Page that you enclosed 
      with your complaint. A copy of the notification that was provided to you on July 23, 2024, confirming the refund 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 will 
      continue to allow us to serve your financial needs.


      Sincerely,


      Loan Servicing
      First National Bank

      Customer Answer

      Date: 08/01/2024



      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:07/16/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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 ex and I shared a joint account, we decided to remove myself from the account going forward since separation. FNB support has been contacted multiple times to complete this for the online banking and assured us this would be completed, yet I still have access to the account on my mobile app, meaning they never completed removal of my access. I don't understand how you cannot honor a simple request, and I imagine this could be potentially damaging to people who need an immediate removal of their ex partner, if situations were complicated enough for financial damages to occur from the ex, luckily I am not in that situation. I am requesting that FNB finally remove my access from the account ending in ****, I am at my wits end in working with their support who time and time again tell me the process will assuredly be completed only for nothing to occur.

      Business Response

      Date: 07/29/2024

      Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on July 16, 2024, regarding your Online Banking (OLB) at First National Bank of Pennsylvania (FNB). 


      We have reviewed the details of your complaint regarding your OLB profile. On July 23, 2024, you spoke with Jazmine F**** of the East Hills Office via phone. Upon your request you were removed from joint ownership of account ending in **** and confirmed that only account ending in **** was visible within your OLB profile. As of the date of this letter you have one (1) individual account remaining open at FNB. 


      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, 


      Daniel H***** 
      Market Manager 
      Central Mountain Region 
      First National Bank 


    • Initial Complaint

      Date:06/26/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      When I went to close my account today, they told me I had been penalized since Jan 03, 2023 for a dormant account fee. I've checked my emails and never received and contact via phone or postal email that this charge had been going on. I went to close my account 3 weeks ago, and they told me I couldn't because it was dormant.

      Business Response

      Date: 07/09/2024

      Please accept this letter in response to the complaint that we received from the Better Business Bureau 
      (BBB) on June 27, 2024, regarding your checking account at First National Bank of Pennsylvania (FNB). 


      We have reviewed the details of your complaint regarding your account status. Pursuant to the Deposit 
      Account Agreement (DAA) provided at account opening and enclosed for your reference, for there to be 
      activity on your account, you must make a deposit, withdrawal, or notify FNB that you would like to 
      keep your account active. If there is no activity on your account, or you do not contact FNB regarding 
      your account for a period of twenty-four (24) consecutive months, your account will be considered 
      dormant. 


      On May 6, 2022, your account became dormant after there was no activity for a period of twenty-four 
      (24) months. That same day, you were mailed the enclosed Dormant Notice, advising that we would 
      begin assessing the monthly fee on June 1, 2022, to the address on file. Per the enclosed Consumer Fee 
      Schedule, a dormant account is charged a monthly fee of $10.00. Your account was removed from the 
      dormant status on June 12, 2024, and on June 26, 2024, your account was closed, per your request. 


      We hope this response to your complaint meets your satisfaction.


      Sincerely, 


      Christopher B****
      Market Manager
      Piedmont Region
      First National Bank 

      Customer Answer

      Date: 07/09/2024

      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.



      Unfortunately this doesn't satisfy the lack of notification of draining money out of a well funded account; no email or physical letter, they were happy to keep draining the account to $0.  Given the "hard" stance, I think we will just have to move to small claims court.



      Regards,



      ******* ******

    • Initial Complaint

      Date:06/23/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Made a deposit to First national bank on 6/13/24 for $64,000. Was told I'd have access to all the funds by last Thursday. Still do not have all my funds and it says won't be available till Tuesday. They have held my money up to use for their gain. They took all of my money out on 6/13 and have kept it for their personal use. This is not right and I want compensated for the interest they have cost me. The bank is asking like the thief. I deposited a $40,000 check earlier this year with not this kind of hijacking of my funds. This is not right.

      Business Response

      Date: 07/03/2024

      Please accept this letter in response to the complaint that we received from the Better Business Bureau 
      (BBB) on June 11, 2024, regarding your checking account at First National Bank of Pennsylvania (FNB). 
      We have reviewed the details of your complaint regarding a hold placed on a large dollar check deposit 
      in the amount of $64,000.00, made on June 13, 2024, at the Meadville Office. At that time, you were 
      provided the enclosed Notice of Delayed Funds Availability which explained the reason for the delay and 
      advised you that your funds would be made available on June 25, 2024. Pursuant to the Deposit Account 
      Agreement (DAA), provided at account opening and enclosed for your reference, depending on the type 
      of check you deposit, or under other circumstances defined within the DAA, availability to withdraw 
      deposited funds may be delayed. The hold was released June 25, 2024, and the funds were made 
      available in your account. 


      The Federal Reserve supervises and regulates the length of holds placed on checks and the availability of 
      funds for financial institutions via Regulation CC. Regulation CC defines the availability of funds, 
      collection of checks and the required disclosures associated with them. For deposits over $5,000.00 
      (large deposits), Regulation CC permits financial institutions to delay the availability of funds for up to 
      seven (7) business days and requires a notice be given to the customer at the time of deposit. 


      Regulation CC documentation is also available online at https:************************* 


      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, 


      Linda L********
      Market Manager
      Pittsburgh Region
      First National Bank


    • Initial Complaint

      Date:06/11/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Deposited a check 6-10-2024 and the bank put a hold on it until 6-20-24. They said it's a federal law to do this. Is that true? Is there a federal law that says they have to put a ten day hold on checks over 5 grand? I pay fees for overdrawn account while a 7000.00 check is on hold.

      Customer Answer

      Date: 06/17/2024

      I wasn't sure if this was the main branch of my local first national bank. My complaint is actually about the local branch in west york, pa. They are penalizing the people who need it most.

      Business Response

      Date: 06/20/2024

      Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on 
      June 11, 2024, regarding your checking account at First National Bank of Pennsylvania (FNB).


      We have reviewed the details of your complaint regarding a hold placed on a large dollar check deposit, in the 
      amount of $7,008.84, made on June 10, 2024, at the York Crossing Drive Office. At that time, you were provided 
      the attached Notice of Delayed Funds Availability, which explained the reason for the delay and advised you that 
      your funds would be made available on June 20, 2024. Pursuant to the Deposit Account Agreement (DAA), 
      provided at account opening and enclosed for your reference, depending on the type of check you deposit, or 
      under other circumstances defined within the DAA, availability to withdraw deposited funds may be delayed and it 
      is your responsibility to keep your account in good-standing, regardless of delayed availability of funds. The hold 
      was released today, June 20, 2024, and the funds were made available in your account.


      The Federal Reserve supervises and regulates the length of holds placed on checks and the availability of funds for 
      financial institutions via Regulation CC. Regulation CC defines the availability of funds, collection of checks and the 
      required disclosures associated with them. For deposits over $5,000.00 (large deposits), Regulation CC permits 
      financial institutions to delay the availability of funds for up to seven (7) business days and requires a notice be 
      given to the customer at the time of deposit. Regulation CC documentation is also available online at 
      https://www.******************* 


      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 out hope that you will 
      continue to allow us to serve your financial needs.


      Sincerely,


      Sheri C*****
      Market Manager
      Capital Region
      First National Bank

    • Initial Complaint

      Date:06/08/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Can’t access bank account, can’t login or anything. FNB is withholding access to my account from me and not closing my account as request.

      Business Response

      Date: 06/21/2024

      June 21, 2024
      ********* ** ******
      *** ******** *** **** ****
      ************* ** *****
      Better Business Bureau ***** ********
      **** *** *******


      Please accept this letter in response to the complaint that we received from the Better Business Bureau
      (BBB) on June 8, 2024, regarding your checking account at First National Bank of Pennsylvania (FNB).
      We have reviewed the details of your complaint regarding your account access. On May 30, 2024, you
      opened your checking account on FNB’s website and made an initial deposit of $100.00. Your account
      number was provided to you on the screen that confirmed your application was approved and also in
      your Application Summary which you had the option to download.
      On June 8, 2024, you contacted the FNB Contact Center via email to inquire about receiving your
      account number to enroll in Online Banking. You were advised by the Contact Center Representative
      who assisted you that for security purposes, your personal information should never be shared through
      unsecured channels, such as email, and that you may call the FNB Contact Center for further assistance.
      Enclosed for your reference is the statement that was mailed to you on June 6, 2024, which includes
      your account number. If you would like further assistance with enrolling in Online Banking, please call
      the FNB Contact Center at 800-555-5455, Monday through Friday 8:00 AM to 9:00 PM and Saturday
      through Sunday 8:00 AM to 5:00 PM.
      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,
      James A****
      Market Manager

       

    • Initial Complaint

      Date:06/05/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Can't get debit card to work on phone 45 min they need to get there sh fixed

      Business Response

      Date: 06/12/2024

      Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on June 5, 2024, regarding your debit card at First National Bank of Pennsylvania (FNB). 
      We have reviewed the details of your complaint regarding the activation of your debit card. On June 4, 2024, you called the Contact Center and spoke with a Contact Center Representative (CCR) and advised her that you were unable to activate your debit card. The CCR assisted you with navigating the prompts to activate your card on the activation line. You were able to successfully activate your debit card on that call. 


      I spoke with you on June 7, 2024, regarding the issues you had while activating your debit card with the automated system. You confirmed that the CCR was helpful with the activation of your debit card. I also provided you with my direct contact information as well as the information for the Branch Manager of the West End Office should you require any further assistance. 


      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, 


      Daniel *. H***** Market Manager 
      Central Mountain Region 
      First National Bank 


    • Initial Complaint

      Date:06/04/2024

      Type:Billing Issues
      Status:
      Answered
      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 April of 2024 I received a request from first national Bank of Pennsylvania to provide proof of insurance on a 2015 Chevy traverse that I have a loan through that institution for. They requested that I show proof of insurance for the term of 3/31/23 to 3/31/24. I called my insurance company and had them send the information to the bank. The bank added $3,000 of insurance on my automobile and was sending me a statement for it. In the meantime, they received proof of insurance from my company and then they canceled part of the bill from 3/31/2023 to 3/31/2024 for the amount of $874. I then saved every letter in May stating that the policy from 3/31/2023 to 3/31/2024 was not canceled because they did not receive proof of insurance for that year. I did have full coverage insurance on the vehicle at that time. The bank did not have insurance on my vehicle for that time. I had my own insurance through national general insurance on my vehicle through that time. The letter I received in May stated that they were charging me $1,283 for an insurance policy to cover my vehicle through 3/31/2023 to 3/31/2024. Here is my complaint. How can they legally charge me? $1,283 for insurance that they did not put on my car through that time. They are charging me this amount on insurance that they did not give me nor did I need. This being said, I do not see how you can purchase insurance coverage for 2023. If this is 2024 you cannot insure something in the past. I feel that these charges are completely fraudulent if not illegal. I had my insurance agent submit the information again showing that I did have insurance for 3/31/23 to 3/31/24. Just to State one more time I am questioning The legality of the bank charging me for an insurance policy. They did not put on my vehicle. Thank you very much for your help in this matter.

      Business Response

      Date: 06/14/2024

      Please accept this letter in response to the complaint that we received from the Better Business Bureau on June 5, 
      2024, regarding your loan at First National Bank of Pennsylvania (FNB). 


      We have reviewed the details of your complaint regarding the Forced Placed Insurance (FPI) added to your vehicle 
      loan. Pursuant to the enclosed loan note that you signed on July 6, 2020, you agree to have physical damage 
      insurance covering the loss of or damage to your vehicle, through which FNB is named on your policy as loss payee. 
      If you do not obtain insurance, we will purchase insurance on your behalf and the cost of the premium will be 
      added to your principal balance. 


      Beginning April 6, 2023, you were provided notices advising you that proof of coverage was needed. On May 4, 
      2023, notification was provided to you which states that FPI was placed in the amount of $1283.00 for the period 
      of March 31, 2023, through March 31, 2024. Beginning on April 4, 2024, you were again provided notices 
      requesting proof of coverage. On May 2, 2024, notification was provided to you which states that additional FPI 
      was placed in the amount of $874.00 for the period of March 31, 2024, through March 31, 2025. Copies of these 
      notices are enclosed your reference. 


      You provided proof of coverage for the period of March 30, 2024, through March 31, 2025, on May 10, 2024, and 
      $878.00 was refunded to your account. On May 28, 2024, additional proof of coverage for the period of March 31, 
      2023, through March 30, 2024, was obtained, and your account was refunded the remaining FPI balance of 
      $1279.00. As of the date of this letter, the FPI that was purchased for your loan has been fully refunded. On June 
      11, 2024, you spoke with Tiffany C****, Contact Center Supervisor, who reviewed your account and confirmed that 
      the FPI was fully refunded. You were satisfied with the outcome of the conversation.


      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,


      Loan Servicing
      First National Bank

    • Initial Complaint

      Date:05/03/2024

      Type:Billing Issues
      Status:
      Answered
      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 April 22,2024 I discovered fraudulent purchases on my account starting from Door Dash that started in March 3, 2023 totaling around $1070.45 currently I am trying to fix this issue with the fraud department without success, purchases was made even after the account had a negative balance that should have been stopped immediately but, continued creating over draft fees in excess of $1,403.54 this issue was a result of the bank allowing activity on the account even after a zero balance and a negative of over $1,520.00 the card activity continue this is at no fault of myself and has caused a huge burden on my family financially and emotionally and still has not been resolved.

      Business Response

      Date: 05/20/2024

      Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on 
      May 3, 2024, regarding your business checking account at First National Bank of Pennsylvania (FNB).


      We have reviewed the details of your complaint regarding your debit card dispute. On April 26, 2024, you called 
      the FNB Contact Center to report unauthorized transactions. The Contact Center Representative who assisted you 
      filed a dispute on your behalf for thirty-six (36) transactions totaling $1,035.26. 


      The dispute investigation began, and on May 3, 2024, the merchant provided a partial credit directly to your 
      account in the amount of $918.33. On May 6, 2024, the investigation was complete, and the remaining $116.33 
      was credited to your account by FNB that same day per the enclosed notification that was provided to you.
      Pursuant to the Deposit Account Agreement provided at account opening and enclosed for your reference, 
      business accounts are automatically opted-in to optional Overdraft Services, in which a debit card transaction may 
      be approved and paid into overdraft if you do not have sufficient funds in your account. Please note that only 
      consumer accounts can opt out of this service. 


      Beginning on April 5, 2024, your account became overdrawn because of your disputed transactions. Pursuant to 
      the enclosed Business Fee Schedule, your account was assessed a $35.00 Overdraft fee for each transaction that 
      was paid into overdraft, and an $8.00 Continuous Overdraft fee beginning on the second business day and each 
      business day thereafter in which your account remained overdrawn. A copy of your recent transaction history is 
      enclosed for your reference. On May 17, 2024, a refund in the amount of $571.09 was credited to your account to 
      bring it current.


      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,


      Teresa K*****
      Market Manager
      Mid-Atlantic Region
      First National Bank

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

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