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.

close

Find a Location

First National Bank of PA has 334 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  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:01/21/2024

  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 called my mortgage company, as I have done for the last 8 months to pay my mortgage as I routinely do. A representative named Eileen, hurriedly asked for my name and account number, did not verify any of my personal information for security purposes and proceeded to tell my my mortgage went up $800 and I needed to pay it. Turns out, Eileen had me pay another couple's monthly mortgage. She told me it was my escrow and this was my permanent payment and rushed me off the phone. I felt uncomfortable, called back, and confirmed Eileen was incorrect and my mortgage was still due. I spoke with an Eric, and their manager George who confirmed that the payment was stopped and money returned. It is nearly month later and those people's mortgage and mine is still reflecting in my bank account. I AM FURIOUS at this lack of carelessness and privacy. I have called my bank to report this fraud. FNB is claiming they don't see the couple's mortgage, but I have the reference number and proof this occurred, not to mention being deducted over $5000.

  Business Response

  Date: 02/02/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on January 22, 2024, regarding your mortgage loan at First National Bank of Pennsylvania (FNB).

  
  We have reviewed the details of your complaint regarding your mortgage payment. On January 22, 2024, 
  George S***, Supervisor of Mortgage Servicing, contacted you via phone regarding the payment that you 
  made on January 2, 2024. Mr. S*** advised that the Mortgage Servicing Representative who assisted you 
  that day inadvertently provided you with the incorrect monthly payment amount of $2,919.26, which was 
  for a different loan in which you are not the borrower. As a result, the payment that you made over the 
  phone was not applied to your loan. Mr. S*** confirmed with you that the payment will be reversed, and 
  you will be mailed a refund check once the reversal is complete. 

  
  On January 26, 2024, a refund check in the amount of $2,919.26 was mailed to your address on file. FNB 
  takes the privacy and security of our clients seriously. Your information was in no way compromised, and 
  there has been no evidence of fraud. We apologize for any inconvenience this may have caused and have 
  used your experience as a coaching opportunity to ensure that FNB provides an exceptional customer 
  experience.

  
  Sincerely,

  
  Dana B******
  Mortgage Compliance Officer
  First National Bank

  Customer Answer

  Date: 02/13/2024

  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.
  
  
  
  The business sent me 2 overnight letters erroneously responding to my complaint as they continued to make errors on my account. The sent a refund check, called me days later to say it was a mistake and to destroy the check once I received it. They took nearly $6K from my account and did not return it or notify me that they made an error until I noticed the money was never refunded. It was only when I contacted my financial institution and reported the charge as unauthorized that the money was returned to me.
  
  i am still very leary of this loan servicer and this repeated clerical errors.

  
  
  
  Regards,
  
  
  
  ****** ***********

• Initial Complaint

  Date:01/11/2024

  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 WAS A COSIGNER ON A LOAN FOR A 2014 FORD ESCAPE WITH **** **** ***** ,IT WAS IN AN ACCIDENT ON OCTOBER 21ST WITH A TOTAL LOSS. PROGRESSIVE INSURANCE PAID FIRST NATIONAL BANK WHAT THE REMAINING BALANCE. ON THEIR WEBSITE THEY QUOTED A ZERO BALANCE, WITHOUT ANY NOTICE OF ANY BALANCE DUE I THOUGHT THE LOAN PAID IN FULL. I GOT A NOTIFACTION FROM CREDIT KARMA THAT I HAD A REMAINING BALANCE OF $22 AND LOWERED MINE AND ****S CREDIT SCORE. I BELIEVE THEY SHOULD HAVE SENT A NOTICE TO ONE OF US . NO LETTER,NO EMAIL OR PHONE CALL. HOW EVER ANY TIME THE LOAN WASNOT PAID BEFORE THE LOAN WENT IN DEFAULT I RECIVRD A LETTER AND ALSO A PHONE CALL

  Business Response

  Date: 01/25/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on January 9, 2024, regarding your auto loan at First National Bank of Pennsylvania (FNB).

  
  We have reviewed the details of your complaint regarding your loan payoff. On November 3, 2023, your 
  insurance carrier, Progressive, requested a payoff quote on your behalf for your loan. FNB provided a 
  payoff quote in the amount of $7,645.04 to Progressive, which was valid through November 13, 2023. 
  The payoff also included the per diem, or one day’s interest, of $1.45 that would be added to the payoff 
  amount every day after November 13, 2023. FNB also sent a Letter of Guarantee dated November 3, 
  2023, providing them with the payoff amount and the instructions of where to send the payoff. A copy 
  of the payoff and Letter of Guarantee provided to Progressive are enclosed for your reference. 

  
  On November 21, 2023, you contacted the FNB Loan Adjustments department to inquire about the 
  status of your payoff. You advised the Loan Adjustor who assisted you that your insurance company 
  mailed the payoff the week prior, and the Loan Adjustor confirmed that it had not yet been received.
  On November 24, 2023, FNB received a check in the amount of $7,645.04. Because the payment was 
  received eleven (11) days past the quoted payoff date of November 13, 2023, a balance was still 
  outstanding on the loan.

  
  After carefully reviewing your complaint, FNB has determined that the loan payoff was not sent in time 
  by Progressive to satisfy the full balance of the loan. Because you were unaware of the payoff being 
  short, FNB has updated the credit reporting for all signers on the account and removed any late 
  payments reported. Please allow up to 30 days for this to reflect on your credit report.
  We hope this response to your complaint meets your satisfaction. 

  
  Sincerely, 
  Loan Servicing

• Initial Complaint

  Date:01/05/2024

  Type:Billing 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.

  1/5/24
  
  FNB: First National Bank
  4140 E. State Street
  Hermitage, PA 16148 ****** ***** **** ****** ***** **** ****** ***** ********** ** ***** ******* **** * **********
  
  RE Formal Complaint for Predatory Fees / Failure to Close Business Account
  
  I sent $949.49 out of my FNB account on 12/29; when I sent this all funds were available, and this zeroed out the account. However, the transaction didn’t post until 1/2/24. When I logged in today, the account was at a negative $80 [not because of my wire] but because of your $29 predatory fee and then I was charged a $35 overdraft charge with two additional overdraft charges of $8. Please see the screenshot below.
  
  The CFPB prohibits predatory fees in banking. Please see attached publication from the White House. I’m filing a formal complaint with the CFPB and the Better Business Bureau.
  
  I know that your bank will do the right thing and reverse these predatory fees of $80 and correctly close out the account. Keep in mind, Bank of America [a much larger and more profitable bank] only charges $16 per month for a fee for a business fundamentals account and there are multiple ways to avoid that fee. Additionally, since 2023, they’ve reduced their overdraft fees from $35 to $10 due to recent inspection with regulators.
  
  
  ****** *****
  __________________
  ****** *****
  ###-###-####
  *******@*****.com

  Business Response

  Date: 01/19/2024

  Please accept this letter in response to the complaint that we received from the Consumer Financial 
  Protection Bureau (CFPB) on January 5, 2024, regarding your business checking account at First National 
  Bank of Pennsylvania (FNB).

  
  We have reviewed the details of your complaint regarding the fees assessed to your account. Pursuant to 
  the Business Fee Schedule provided at account opening and enclosed for your reference, your Compak 
  Business Checking account is assessed a $29.00 monthly service fee at the end of each statement cycle if 
  you do not maintain a minimum daily balance of $1,500.00 or an average daily balance of $5,000.00 during 
  the preceding month. You initiated an external transfer via Online Banking on December 29, 2023, in the 
  amount of $949.59. That same day, your account was assessed a $29.00 monthly service fee because you 
  did not meet either of the balance requirements per the enclosed statement that was provided to you.

  
  When your $949.59 external transfer posted to your account on January 2, 2024, your account was left with 
  a balance of negative $29.00. The $35.00 Overdraft fee (OD fee) that was assessed to your account on 
  January 3, 2024, was caused by this transaction. Per the Business Fee Schedule, your account was also 
  assessed an $8.00 Continuous Overdraft fee (COD fee) each day between January 3 and January 5, 2024. A 
  copy of your transaction history is enclosed for your reference.

  
  On January 8, 2024, a one-time courtesy totaling $88.00 was credited to your account, which consists of the 
  $29.00 monthly service fee, $35.00 OD fee, and $24.00 in COD fees. On January 12, 2024, your account was 
  closed per your request in your complaint.

  
  We hope this response to your complaint meets your satisfaction.

  
  Sincerely,

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

  Customer Answer

  Date: 01/19/2024

  
  
  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:12/28/2023

  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'm deeply troubled by the sharing of my nonpublic information with credit bureaus, leading to inaccuracies in my report. This has caused immense financial and emotional distress. Under 15 USC 1681 Section 602, I have the right to privacy. Additionally, 15 USC 1681 Section 604 A Section 2 prohibits furnishing accounts without my written instructions. Moreover, under 15 USC 1666 B, late treatment of payments on my account is prohibited.
  
  Please rectify these inaccuracies promptly to alleviate the distress caused. My account number is ********. I trust you'll address this matter in accordance with the law and ensure accurate reporting going forward.

  Business Response

  Date: 01/11/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on December 28, 2023, 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 29, 2021, beginning on August 13, 2021, your monthly payments 
  in the amount of $368.92 are due on the thirteenth 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.

  
  Because the information that is reporting to credit bureaus is not a result of bank error, we are unable 
  to adjust your credit reporting. Enclosed for your reference is a copy of your payment history.

  
  We hope this response to your complaint meets your satisfaction.

  
  Sincerely,

  
  Loan Servicing
  First National Bank

• Initial Complaint

  Date:12/15/2023

  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.

  Was supposed to receive my financial aid payment months ago. This establishment received my financial aid payment sometime in late September. They reopened a closed account to take out a late fee that was old. But sent out my check to the wrong address. Company claims they could not contact me. Though I have had the same number for years. When they did contact me, their manager Brian had me drive out there, after telling me that a new check would be written. I get there and none of that seem to be true. Then I was told that I had to do a bunch of paperwork. Brian has since then contacted me and we have argued and debated about this situation. I did not appreciate Brian's tone of voice or the way he kept going back and forth with me. This issue still has not been resolved and I still have not received my financial aid check.

  Business Response

  Date: 12/29/2023

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

  
  We have reviewed the details of your complaint regarding an official check. On September 27, 2023, a direct deposit in the amount of $508.40 was credited to your charged-off account. To pay the debt owed on the charged-off account, $191.01 was applied to the outstanding balance. The remaining funds from the deposit in the amount of $317.39 were issued to you via official check on September 28, 2023. Assistant Branch Manager Bryan U******** attempted to contact you via phone to make arrangements for you to receive the check, however he was unable to reach you, and the official check was mailed to your address on file. 

  
  You contacted Mr. U******** at the beginning of October regarding the direct deposit, and you advised that you had not received the check although it had been negotiated. When you visited the Pittsburgh Northside Office to complete an affidavit, a notary was not present at that time to complete the paperwork, and you were advised that you could visit the East Liberty Office to have the paperwork notarized. As of the date of this letter, you have not visited the East Liberty Office. 

  
  As a courtesy, FNB will reissue an official check to you in the amount of $317.39 without requiring the notarization of the affidavit. Please contact the Pittsburgh Northside Office at ************ to make arrangements to obtain the reissued check. 

  
  We hope this response to your complaint meets your satisfaction. 

  
  Sincerely, 
  

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

  
  

  Customer Answer

  Date: 01/02/2024

  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.
  
  
  
  The only issues I have with this response are as follows: when I did contact the North Shore
  branch manager in October there is a line that says I advised that I had not received the check
  though it had been "negotiated". There was never a conversation or a discussion to begin with
  to reach an agreement. Not having my contact information or being able to contact me at all but
  taking a huge chunk of my deposit was unethical to say the least. I should not have to drive out
  to the North Shore again for a third time. The last time I drove out there I was Ill advised. I was
  told on a phone call just before I drove out there that I will be receiving a check in October. I
  would prefer not to have to deal with this manager again because his attitude was
  condescending and smug. He cut me off several times on the phone and was very rude. I would
  also like to have this resolved at a branch closer to my house. This issue has been all going and
  I feel as though these accommodations are just considering the rings I've had to jump through.
  Thank you so much have a great New Year.

  
  
  
  Regards,
  
  
  
  **** ********

• Initial Complaint

  Date:12/05/2023

  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 closed/paid off my mortgage account with FNB on November 6, 2023. I reminded the bank to not take out an additional mortgage payment before my closing date in Oct. FNB mistakely took another mortgage payment of $2400 after the mortgage account was closed/paid off. I still have not received reimbursement for the over-collection and customer service is not helpful.

  Business Response

  Date: 12/15/2023

  Please accept this letter in response to the complaint that we received from the Better Business Bureau
  (BBB) on December 5, 2023, regarding your mortgage at First National Bank of Pennsylvania (FNB). 
   
  We have reviewed the details of your complaint regarding the payoff of your mortgage. On October 24, 
  2023, a third-party closing company, Superior Closings, contacted the FNB Mortgage Servicing 
  department to request a payoff quote on your behalf. The payoff quote provided to the company, in the 
  amount of $241,886.19, was good through November 3, 2023. Because you enrolled in automatic 
  monthly payments on January 22, 2021, per the enclosed notification, your November 2023 payment in 
  the amount of $2434.21 was debited from your external checking account on November 2, 2023. Your 
  loan was paid off on November 6, 2023, when a payment in the amount of $239,499.83 was made, 
  which overpaid your loan by $2,434.21. 

  
  A refund check in the amount of $2,434.21 was mailed to your address on file on November 14, 2023. 
  You called the Mortgage Servicing department on December 1, 2023, because you had not received the 
  refund check. The representative who assisted you updated your address after you advised that you had 
  moved. On that same call, you requested for the refund to be electronically credited to your external 
  checking account. 

  
  On December 8, 2023, William B****, a Mortgage Servicing Coordinator, spoke with you via phone to
  confirm your checking account information. Mr. B**** followed up via voicemail that same day to 
  confirm that that the refund in the amount of $2,434.21 was electronically credited to your external 
  checking account as a courtesy. Please note that because your mortgage is paid off, your automatic 
  payments will not be debited moving forward and your loan is satisfied.

  
  We hope this response to your complaint meets your satisfaction.

  
  Sincerely,

  
  Dana B******
  Mortgage Compliance Officer
  First National Bank

• Initial Complaint

  Date:12/01/2023

  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 opened a bank account with First National Bank many months back. In light of some recent events, I need a large chunk of money for some unexpected expenses. In trying to transfer the funds (the first time I've tried transferring externally), I am being blocked by FNB!
  
  Evidently, not only can I only transfer small portions of $$ per day (which is crazy enough on its own), FNB is also charging me a FEE for EVERY SINGLE TRANSFER!
  
  So to get the money that I really need today....I not only have to wait over a week AND have to manually initiate each transfer each day, I ALSO have to pay them a fee for each transaction.
  
  THIS IS THE DEFINITION OF A SCAM! DO NOT USE THIS BANK!

  Business Response

  Date: 12/14/2023

  Please accept this letter in response to the complaint that we received from the Better Business Bureau
  (BBB) on December 1, 2023, regarding your checking account at First National Bank of Pennsylvania
  (FNB).
  We have reviewed the details of your complaint regarding external transfers. Pursuant to the Consumer
  Fee Schedule provided at account opening and enclosed for your reference, there is a $0.50 external
  transfer fee assessed for each transfer that is initiated in Online Banking to a non-FNB account. For
  security purposes, there are limits on the dollar amount of transfers that you are able to make on a daily
  and monthly basis, which are visible to you when creating a new transfer in Online Banking.
  On December 8, 2023, you visited the Raleigh Creedmoor Office to close your account. An official check
  was provided to you in the amount of $4,429.38 and your account was closed that same day.
  We hope this response to your complaint meets your satisfaction.

  Customer Answer

  Date: 12/15/2023

  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.
  
  
  
  [Lol gotta love big banks blaming hidden fees on "for your security" GTFOH. Yes, I closed my account and moved to Discover where they're not constantly trying to scam me with fees. Good riddance to FNB.]
  
  
  
  Regards,
  

• Initial Complaint

  Date:11/22/2023

  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 deposited a check of $191 and also a cash deposit of $60 prior to 5:00pm on 11/30/2023.
  
  The bank took out debits first and rather than having a balance of $108, they charged me an overdraft fee of $70, stating the credit a for that day were processed first. Asked to speak with a manager and told one would be informed, but did not get to speak with one.

  Business Response

  Date: 11/29/2023

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on November 22, 2023, regarding your checking account at First National Bank of Pennsylvania 
  (FNB).

  
  We have reviewed the details of your complaint regarding the posting of transactions to your account. 
  Pursuant to the Deposit Account Agreement (DAA) provided at account opening and enclosed for your 
  reference, your available balance is the amount of money you have in your account that is available for 
  you to use. We use your available balance to authorize your transactions during the day, such as debit 
  card purchases and ATM withdrawals. Your available balance does not reflect every transaction you 
  have initiated or previously authorized, such as checks you have written or electronic Automated 
  Clearing House (ACH) transactions that you have scheduled but have not posted to your checking 
  account.

  
  Per the enclosed DAA, transactions are processed each business day during the end of day processing. 
  Because transactions are sorted into categories during processing, they may not post to your account in 
  the order that you initiated them. Credits and deposits are first processed to determine your available 
  balance to pay items. Deposits of checks drawn on another financial institution are subject to our Funds 
  Availability policy. Debits that generally cannot be returned are then processed, such as debit card and 
  ATM withdrawals. The remaining funds in your account are then used to pay transactions such as posted 
  checks, ACH payments and online bill payments. If there are multiple debits from the same date and 
  time within any of these categories, they will be paid from highest to lowest dollar amount.

  
  On November 17, 2023, the ending balance for your checking account was $801.01. Saturday, 
  November 18, and Sunday, November 19, were non-business days, and no transactions posted to your 
  account. To determine your available balance for November 20, 2023, we take your pending balance 
  from the prior business day plus or minus any preauthorized debits or available credits. Your available 
  balance to pay items on November 20, 2023, was $861.01, because of a $60.00 deposit that posted to 
  your account that day. From your available balance, your account was presented with nineteen (19)
  item(s) totaling $943.97 which posted to your account leaving a negative balance of $82.96. The 
  overdraft fees (OD fees) assessed to your account on November 21, 2023, totaling $70.00, were caused 
  by the following amounts: $84.00 and $65.73. Pursuant to the enclosed Consumer Fee Schedule, the 
  following transaction amounts were not assessed OD fees because they were each in the amount of 
  $5.00 or less: $5.00, $5.00, and $3.00.

  
  
  Our policy generally is to make funds from your cash and check deposits available to you on the first 
  business day after the business day of your deposit. Depending on the type of check you deposit, funds 
  may not be available until the second business day after the business day of your deposit. If we are not 
  going to make all of the funds from your deposit available on the first business day, we will notify you at 
  the time you make your deposit or by mail. Please note that the check deposit of $191.75 made on 
  November 20, 2023, was not available until November 21, 2023.

  
  I recommend reviewing our Financial Insights video about managing your checking account. The 
  enclosed instructions will help to locate this and other helpful videos to manage your account and 
  increase your financial management knowledge. 

  
  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

• Initial Complaint

  Date:11/14/2023

  Type:Delivery 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 been waiting for over a month for a new debit card from my bank and after multiple phone calls with their phone support and being assured I am being sent this I have yet to receive it, then I am told I have to pay $50 to get it sooner than 7-10 business days after finding out they have been mailing it to an incorrect address. I need my debit card and for someone at FNB to realize the hassle it has been to obtain something so simple.

  Business Response

  Date: 11/28/2023

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on November 14, 2023, regarding your debit card at First National Bank of Pennsylvania (FNB).
  We have reviewed the details of your complaint regarding your debit card. On October 26, 2023, you 
  called the Contact Center because you had not received your new debit card in the mail. The Contact 
  Center Representative (CCR) who assisted you incorrectly advised that your debit card would be mailed 
  to your current address, although your current address was not on file for your debit card. 

  
  You called the Contact Center a second time on November 14, 2023, after you had still not received your 
  debit card. You confirmed your current address with the CCR, and the CCR assisted you with updating 
  your address on file. The CCR further explained that for security purposes, mailings will not be provided 
  to your new address for 31 days. On that call, the CCR ordered you a debit card that would be delivered 
  to the East Hills Office, where you were to be contacted via phone upon its arrival.

  
  On November 17, 2023, you obtained a temporary debit card at the East Hills Office to utilize while you 
  waited to receive your new debit card. On November 22, 2023, you successfully activated your new 
  debit card ending in ****. For future reference, please also note that you may use Online Banking to 
  make transfers to and from your account, or you may use your account and routing number to make bill 
  payments if you do not have access to your debit card.

  
  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 FNB continues to provide an exceptional customer experience. 

  
  Sincerely,

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

• Initial Complaint

  Date:11/14/2023

  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.

  Where to begin with this bank?! I have had nothing but problems ever since I closed on my home on 06/09/2023. To make matters worst, on 11/09/2023 I received an alert from Experian alerting me that the balance on one of my accounts increased so I reviewed it and discovered that my mortgage balance increased (i.e.$326,688); which is incorrect. After completing some additional research I discovered that FNB had reported that I didnt make my payment for the month of October, then proceeded to report the missed payment within the 15 day grace period, did not notify me of their actions in writing, and has seemingly been reporting a higher balance which is different than what they have been reporting to me for several months; which is a direct violation of the (FCRA) Fair Credit Reporting Act in lieu of the fact that this is a HUD loan. By completing these actions, FNB is willingly, deliberately, and purposely impeding on my chances of having access to additional financial resources which are only available to those who have made the sacrifice, investment and largest purchase of their lifetime (i.e. purchasing a home). Not to mention, they continuously operate under deceptive, heinous, erroneous, and predatory practice which lacks transparency and accountability overall. In Aug, the FNB statement balance was $324, 720.19 and Experian was provided the balance of $325, 479 leaving a difference of $758.81, in September the FNB statement balance was $324, 438.80 and Experian was provided the balance of $325, 087 leaving a difference of $649.00, in October FNB statement balance was $324, 155.83 and Experian was provided the balance of $325, 679 leaving a difference of $1, 523.17! This is proof that they are inflating the amounts reported monthly to a federal agency/credit bureau (i.e. Experian) in an attempt to cause me, as the consumer to pay more on the loan over an extended period of time than I legally am responsible for paying, which is fraud and a violation of a FCRA!

  Business Response

  Date: 11/28/2023

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on November 14, 2023, regarding your mortgage loan at First National Bank of Pennsylvania 
  (FNB).

  
  We have reviewed the details of your complaint regarding the information that is reporting to credit 
  bureaus for your mortgage. Your loan balance that reports to credit bureaus includes your principal 
  balance, applicable interest, late charges, other fees, and escrow that are due during the current 
  reporting period. As an example, the balance that was reported for October 2023 was $325,679.08, 
  which consists of the following amounts: $324,155.83 of principal balance, $1,117.55 of interest, and 
  $405.70 due in escrow. We have found no evidence to support the claim that your loan balances were 
  inaccurately reported.

  
  Pursuant to the enclosed loan note that you signed on June 9, 2023, if your monthly payment is not 
  made within fifteen (15) days of the due date, a late fee of 5.00% of the overdue monthly payment 
  amount will be assessed. Although your monthly payment is considered past due if it is not paid by the 
  due date, please note that payments that are made within thirty (30) days of your due date are not 
  reported as delinquent to credit bureaus. As of the date of this letter, you have not made any payments 
  that have been assessed a late fee or reported as delinquent to credit bureaus.

  
  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,

  
  Dana B******
  Mortgage Compliance Officer
  First National Bank

  Customer Answer

  Date: 09/27/2024

  Where to begin with this bank?! This will be the second BBB complaint that I have filed within a 10-month period (i.e. BBB Complaint#: ******** filed in November 2023) and yet nothing has been resolved. Currently, I have filed complaints with the U.S. Department of Housing and Urban Development, Consumer Finance Protection Bureau, and will be filing a complaint with the Pennsylvania Attorney State General. I am scheduled to complete a phone interview with the U.S. Department of HUD on Wednesday, October 2nd, 2024 at 12:30PM where I will be providing a thorough explanation relative to how (FNB) First National Bank has proceeded to violate The Fair Housing Act (i.e. subsections Housing Discrimination and Mortgage Lending) in lieu of violating the (FCRA) Fair Credit Reporting Act as a national bank along with upholding and proceeding to have a deep commitment to commit mortgage fraud at astronomical levels; which was easily identified through there consistent refusal to correct any issues surfaced by me, the mortgagee. From the time that I signed the transactional documents to purchase my home on 06-09-2023, I have experienced reckless, heinous, erroneous, atrocious, events/and actions all completed by bank employees who have been trained to attempt to inconspicuously cover up mortgage fraud in lieu of other actions committed with the sole outcome to profit at all cost, because the bank products/and services offered are outdated, cumbersome, and do not line up/and or support consumers within our society and simultaneously do not compare to offerings provided by other banks. As a mortgagee who has a loan through the U.S. Department of Housing and Urban Development as a result of (FNB) receiving federal funds to help individuals/and families purchase their first home(s) within underserved communities that exist within specific states, what I have experienced is ridiculous. PLEASE REFER TO THE DOCMNT TITLED: “FINAL FNB COMPLAINT SYNOPSIS FOR MORE DETAILS!

   

  IF THE ISSUES REPORTED ARE NOT ADDRESSED, I WILL BE FILING SUIT FOR WILLFUL/DELIBERATE MORTGAGE FRAUD IN LEIU OF VIOLATING FEDERAL BANKING AND CONSUMER PROTECTION LAWS!; Correction to a credit report; Billing adjustment
  

  
  

  Business Response

  Date: 10/09/2024

  Dear Ms. ******,
  Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on September 27, 2024, regarding your mortgage loan at First National Bank of Pennsylvania (FNB).
  We have reviewed the details of your complaint regarding your mortgage payments. As stated in our previous response to your Better Business Bureau complaint dated November 28, 2023, enclosed for your records, your loan balance that reports to the credit bureaus includes your principal balance, applicable interest, late charges, other fees, and escrow that are due during the current reporting period. Please note that the loan balance information that you view on your credit report may not reflect your present-day loan balance because the information that FNB reports to credit bureaus may take up to thirty (30) days to be reflected. On September 4, 2024, the balance that was reported to the credit bureaus was $324,704.00. This amount consists of $321,237.09 of principal balance, $1,836.20 of interest, $508.98 of escrow and $737.73 in late fees.
  Also stated in our previous response, pursuant to the enclosed loan note that you signed on June 9, 2023, if your monthly payment is not made within fifteen (15) days of the due date, a late fee of 5.00% of the overdue monthly payment amount will be assessed. Although your monthly payment is considered past due if it is not paid by the due date, please note that payments that are made within thirty (30) days of your due date are not reported as delinquent to credit bureaus.
  Enclosed for your reference is a copy of your payment history. Please note that your loan was assessed a late fee in the months that you did not make your payment in full within fifteen (15) days of the due date. Between August 29, 2024, and September 9, 2024, late fees totaling $210.78 were refunded to your loan as a courtesy. Please keep in mind that going forward, no late fees will be refunded to your account unless they are a result of bank error. As of the date of this letter, you have not made any payments that are 30 or more days past due. As a result, FNB has not reported these late payments as delinquent to credit bureaus; however, the late fees that have been assessed to your loan are in accordance with the note.
  In July of 2023, you enrolled in e-statements for your mortgage loan pursuant to the Consent for Electronic Disclosures which is enclosed for your reference. By initiating the Online Statement and Notice service, you agree that we may provide your account statements, notices and disclosures in electronic form. These documents include any disclosures or notices in connection with the operation of your account. By agreeing to these disclosures, you agreed to no longer receive paper copies of your account statement or notices.
  In June 2024, the enclosed escrow analysis was provided to you electronically via Online Banking. Please note that if you would like to opt out of receiving electronic statements and notifications moving forward, you may do so via Online Banking or calling the Mortgage Contact Center Monday through Friday from 8:00 AM to 5:00 PM at ###-###-####.

  Customer Answer

  Date: 10/09/2024

  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.

  At this point, I would rather DIE than continue to interact
  with the incompetent individuals who call themselves professionals that are
  apart of the mortgage department and all those who work with FNB! To be clear,
  within the disclosure that I signed, it does not state that the balance
  reported to the credit bureau would include the principal balance, interest,
  and late fee's and to make matters worse, the individual who responded is
  completely delusional considering I was REQUIRED to sign an updated disclosure
  on 06/28/2023; which of course was not disclosed/and or included in FNB's
  response to this complaint. Not to mention, all of the documents provided
  internally reflects inaccurate information including loan statements in lieu of
  the fact that their employees have been trained in multiple states to
  repetitively lie when questioned about inaccurate mortgage payment drafts from
  outside bank accounts, along with all other information associated with
  mortgages being managed through this bank. Within this complaint alone, FNB's
  response only addressed one of the many issues reported and failed to address
  that they blatantly have violated multiple federal laws (i.e. Fair Housing Act,
  Fair Credit Reporting Act) and have at random instituted invisible rules/and
  stipulations that don't exist outside of this complaint, or within any official
  documents which I have signed or have access to. As mentioned, FNB per usual
  chose to merely focus on one of the many issues I have encountered/and
  experienced as an emotionally existed consumer who unfortunately has had the
  worst experience of my life interacting and having a mortgage with this bank,
  along with the fact that these soulless jackasses feel though as though they
  are doing me a favor by refunding two late payment fee's when they blatantly
  charged my account excessively for felonious late charges and I have evidence
  to prove it. FNB's response to this complaint will now serve as yet again
  another example of their repetitive pattern to inconspicuously hide their fraudulent
  behavior/and actions and have purposefully committed to abusing their power as
  a bank by targeting consumers of specific races (i.e. African Americans) by
  reporting inaccuracies to the credit bureau, which ultimately limits/and blocks
  other financial opportunities that occur after purchasing a home. FNB is known
  for only responding to consumers and providing felonious responses to appear as
  though they are conducting business in an appropriate manner only after
  consumers have went to the extreme and filed every public complaint possible,
  as their employees refuse to address any issues reported within physical
  branches, or over the phone.  And, to be
  clear, the BBB response referenced was never sent to me/or provided based on my
  choice not to move forward with the complaint because the BBB representative
  assigned to my case and her team had their office's email addresses set up to
  auto reject emails, so that they would have rationale/and justification to
  continuously close complaints as "consumer did not respond" based on
  staffing issues; which was not addressed until I escalated my concerns to the
  International Better Business Bureau. So, to say the least your BBB response
  doesn't matter/nor did I read it so the statement that you provided within your
  response isn't relevant to this response. Lastly, this response now serves as
  evidence in my ever growing case that I am building which will result in a
  lawsuit against FNB for mortgage fraud!
  

  
  
  
  Regards,
  
  
  
  ****** ******