Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted]
We have received a copy o f your communication from the Revdex.com regarding the status o f your accountsending in and After reviewing your accounts, we have found the following:On 08/24/2015, you filed disputes on items from [redacted] with dates ranging from 07/19/through08/23/Because you had prior relationships with this merchant you chose which items to dispute and which items werelegitimateTemporary provisional credit totaling $was provided on 08/31/for all o f the disputed itemsTheBank is still conducting its investigation which is due to expire in days (11/17/2015) from your initial notificationAsecond checking account was opened for you at your request on 10/14/as a courtesy so you would have access to fundsthat were being deposited.On 11/02/2015, the initial disputed account had been overdrawn for daysRegardless o f situation, the Bank’s policy is to“charge off ’ an account that has been continuously overdrawn for daysAt the time o f the charge off, the bank reservesthe right to “use the money from any other account in which you hold an interest to pay the debt” This is found in theDeposit Account AgreementWhen the original, disputed account was charged off, funds were collected from the newaccount that was opened to off-set the amount owed to the bankThe charge off was not sent to Collections and will not besent until the disputes that were filed are resolved.The case will be resolved on 11/17/2015, at which time the action taken will depend on the outcome of the disputesIf thedisputes are valid, the temporary provisional credit will become permanent and any fees assessed as a result o f the disputeditems will be refundedIf the disputes are not found to be valid, the temporary provisional credit will be reversed and theamount owed to the bank will be sent to Collections
After reviewing your letter, we are led to believe that you intended to contact a different First National Bank, specifically, First National Bank of MifflintownWe are First National Bank of PennsylvaniaWe have provided you the contact information (below) for First National Bank of Mifflintown and strongly encourage you to give them a call to confirm you have the correct bank and mailing address prior to mailing your concernsIf you did intend to contact us at First National Bank of Pennsylvania, feel free to call our Customer Service number for further assistance: ###-###-####First National Bank of Mifflintown ###-###-#### [redacted] Thank you, Rebecca C [redacted] Problem Resolution and Escalated Response Administrator Consumer Banking Solutions First National Bank
This letter is in response to the complaint received by First National Bank of Pennsylvania(FNB) on March 17, 2016, from the Revdex.com on your behalfThis letter serves asour response to this matter.On March 3, you attempted to close your account however there were pending items thatwere in process $***, $ [redacted] and $ [redacted] **Due to the account nothaving enough funds to pay these pending items, your account was charged $inoverdrafts fees which was refunded on March 18, and $in continuous overdraft fees,which $was refunded on March 18, We have refunded the additional $onMarch 23,in continuous overdraft fees however the account remains in the negative $61.15due the purchases made.If you have any specific questions please contact me directly at ###-###-####.Sincerely,Kristen M [redacted] Vice President
Please accept this letter in response to the complaints you filed with the Better Business Bureau on March 27, and April 4, 2017, regarding unauthorized charges and the related overdraft (OD) and continuous overdraft (COD) fees on your checking account at First National Bank of Pennsylvania ("FNB").Per your conversation with the Personal Banking Representative at Simpson Ferry on Monday, March 27, an ATM/Debit Dispute was filed for two transactions as follows: $for [redacted] and $for [redacted] The vendor who charged these items refunded you a total of $on March 31, Please find enclosed your account statement, the email correspondence between you and the Simpson Ferry branch and a copy of the dispute for your reference.On April 6, 2017, FNB closed your dispute and issued the remaining balance of $ as a permanent creditA separate letter regarding the dispute closure was sent to you on this dateFNB issued a refund of one OD fee in the amount of $ and COD fees in the amount of $to your account on April 6, 2017.Please reach out the Branch Manager of the Simpson Ferry Office, Taryn W [redacted] , at ###-###-#### with any questions or concerns.Kristen M [redacted] Vice PresidentMarket Manager, Capital Region First National BankWe hope this response to your complaint meets your satisfactionWhile 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 consider giving us the opportunity to serve you again in the future.Thank you,
We have received a copy of your communication from the Revdex.com regarding the statusof your account ending in 5133.Upon reviewing your account, we have found the following:August 15, - [redacted] and [redacted] came into the branch to discuss overdraftcharges/unauthorized items from [redacted] [redacted] requested statements to show [redacted] ***that it was their debit transactions that overdrew their accountThe account was first overdrawn onAugust The transactions in question are time stamped August and posted to their account AugustDuring this conversation, the Assistant Manager explained that credits will post before debits, andthat items post largest to smallest regardless of the time of day the transaction took placeShe also toldher that any business transacted over a weekend is on the following Monday's businessThe AssistantManager was unable to comply with ***'s request to create a statement proving [redacted] ***transactions were the first overdraft on the account since the account history shows the account at anegative balance on August The Assistant Manager offered to file dispute claims, but [redacted] chose totry to get in contact with [redacted] in order for the refund to be handled on their sideThis was due tothe fact that it was explained to [redacted] that the Business Debit Card that was used must be closed whenfiling the disputes through FNB [redacted] did not want the Debit Card closedWe agreed to waive thecontinuous OD fee until the hotel refunded the charges or disputes were filed with FNB [redacted] alsostated that she had in her words "a large deposit" for the account, but was not going to deposit thisbecause she felt that the hotel and bank would be less apt to refund anything if the deposit was made.August 28, - disputes filed with FNB - debit card was closed.September 8, - provisional credit issued.September 17, - [redacted] called to speak with the Manager regarding some of the overdraft fees onthe accountBranch Manager explained that the time stamp on the transactions validated that theaccount was overdrawn prior to the [redacted] transactionsWhen requesting NSF fees, the Managerstated that only a total of - $NSF fees could be refunded as those were attached to the disputedtransactions [redacted] requested an exception refund for all of the fees accumulated over this timeTheManager stated that since there was no bank error, no additional fees would be refunded.September 21, - Manager contacted the customer to inform them that he had checked with hissupervisor and that the decision was that the four (4) NSF fees would be refunded as a result of the 4disputes/provisional credit items, but no additional NSF fees would be refunded, again, because this wasnot a bank errorDuring the conversation, [redacted] stated her intentions were to close the account.September 23, - [redacted] and [redacted] came in to close the accountThe Assistant Manager wasworking a teller window and waited on themSince the account was at a negative balance, [redacted] and [redacted] were told that we were unable to comply with their request to close the account until andunless the account was at a zero balanceThe Assistant Manager advised them that after days theaccount would be charged off and sent to collectionsThe account continued to accrue continuousoverdraft fees until it was charged off on September 28, 2015.Please feel free to contact us with any further questions.Sincerely,Madonna M***
Please accept this letter in response to the complaint you filed with the Revdex.com on May26, regarding the overdraft fees (OD Fees) assessed to your account with First National Bank ofPennsylvania (“FNB”).As stated in your complaint, the $payment to Capital One on April 22, 2016, overdrew yourchecking account ending in and on April 25, 2016, this transaction was returned due toinsufficient fundsAs a result, on April 25, an OD Fee of $was assessed to your account.Every three days that your account remained overdrawn a continuous OD Fee of $was assessed toyour accountPer our conversation on May 27, 2016, FNB agreed as a courtesy, to refund all OD Feescharged and close your account.We hope this response to your complaint meets your satisfactionWhile this communication is intendedto present the facts of the situation, we would also like to express our appreciation for your business andhope that you will provide us the opportunity to continue serving you.Sincerely,Susan [redacted] D***Vice PresidentMarket ManagerFirst National Bank
Please accept this letter in response to the complaint you filed with the Revdex.com on January 11, 2016,regarding your qualification for a promotional offer by First National Bank of Pennsylvania (FNB)Thisletter will address the issue cited in your complaint and an explanation for the response provided.To initially qualify for the promotional offer new customers had to first open both a Freestyle Checkingand FirstRate Savings Account This was disclosed in the mailer that you brought in at account opening.We are not able to confirm what was discussed when you opened your account so as a gesture ofgoodwill FNB will award you the $bonusThe $bonus was deposited into savings accountending in on 1/14/16.We hope this response to your complaint meets your satisfactionWhile this communication isintended to present the facts of the situation, we would also like to express our appreciation for yourbusiness and our hope that you will consider giving us the opportunity to serve you again in the future.If you have any additional questions, please feel free to contact me at [redacted] .Alison *S [redacted] Market Manager, Vice President
Please consider this letter a response to the complaint filed on May 4, regarding your Checkingaccount with First National Bank of Pennsylvania(FNB)Prior to the conversion date of the acquiredBank of America ( BOA)Branches in September of 2015, FNB mailed detailed information to theFormer BOA customers in a letter including the following information:We recommend that you print or save your past account statements, any pending transfers or billpayments, as well as bill payment payees from BOAThe communication also included instructionsfor customers that chose not to be included in the conversion to FNB.Post Conversion your checking account reflected activity including internet transfers from a savingsaccount to the checking account, utility payments, as well as several debit card transactionsOnSeptember 24, as referenced by you, a pay pal transaction was initiated bringing the account to azero balanceThe same day, American Education services debited $from the accountUponresearch being completed, there was no evidence that FNB received an affidavit disputing thetransaction as unauthorizedThis transaction caused the account to become negative, and subsequentfees were assessed according to FNB's overdraft policyThe account remained with a negativebalance until November 13, at which time it was charged off and sent to collections.If you would like to discuss this matter further please contact me at your convenience .###-###-####
This letter is in response to the complaint received by First National Bank of Pennsylvania(FNB) on March 14,2016, from the Revdex.com on your behalfThis letter serves asour response to this matter.On Saturday, February 20,2016, a $cash deposit was made to your checking account endingin via an ATM, those funds were not considered received until Monday, February 22,2016and not available until Tuesday, February 23, FNB’s Funds Availability Process wasdisclosed to you in the Deposit Account Agreement, this process was further explained duringour March 15, 2016, phone conversationAs a courtesy, $was refunded to your checkingaccount on March 16, 2016.If you have any questions please contact me directly at ###-###-####
March 15,[redacted] ***Revdex.com Case# [redacted] Dear Ms [redacted] ,Please accept this tetter in response to the complaint that you filed with the Revdex.com (Revdex.com) on March 1,2018, regarding overdraft fees (OD Fees) on your checking account at First National Bank of Pennsylvania (FNB).Online and mobile banking are optional services offered by FNB, which are designed to make managing your accounts simple and convenientHowever, these optional services are not a substitution for standard accounting proceduresOnly you, as the account owner, will have full knowledge of all debits, checks, ACH and debit card transactions being presented to your accountAll transactions posted to your account and all fees assessed to your account were assessed in accordance with the deposit account agreement and personal fee schedule provided to you at the time of account opening (enclosed for reference).On February 20,2018, the ending balance for your checking account was $To determine your available balance for February 21, 2018, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available creditsYour available balance to pay items on February 21, 2018, was $From your available balance, your account was presented with thirteen items totaling $227.26, which posted to your account leaving a negative balance of $The OD Fees charged to your account on February 22,2018, totaling $370.00, were caused by the following transaction amounts: $141.32;$20.00; $17.96; $7.10; $7.10; $7.10; $4.94; $4.38; $4.10; $3.82; $3.34; $and $Pursuant to the deposit account agreement and personal fee schedule, the maximum number of OD Fees you can be charged per day is ten.On February 25,2018, the ending balance for your checking account was $To determine your available balance for February 26, 2018, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available creditsYour available balance to pay items on February 26, 2018, was $From your available balance, your account was presented with eighteen items totaling $621.74, which posted to your account leaving a negative balance of $The OD Fees charged to your account on February 27, 2018, totaling $370.00, were caused by the following transaction amounts: $318.50; $79.38; $40.00; $30.00; $30.00; $16.03; $15.00; $14.86; $14,00; $13.00; $12.99; 8.75; $7.58; $7.41; $4.99; $4.14; $and $1.62.On February 26, 2018, the ending balance for your checking account was negative $To determine your available balance for February 27, 2018, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available creditsYour available balance to pay Items on February 27, 2018, was negative $A PayPal transfer totaling $was credited to your account, bringing the available balance to $From your available balance, your account was presented with three items totaling $839.25, which posted to your account leaving a negative balance of $The OD Fees charged to your account on February 28, 2018, totaling $74.00, were caused by the following transaction amounts $and $Pursuant to the deposit account agreement and personal fee schedule, your checking account was assessed one, $continuous overdraft fee (COD Fee) on February 28,2018, as the account maintained a negative balance for three business days.On March 1,2018, I spoke with you via telephone regarding your checking accountWe discussed overdraft servicesI advised you that your account was opted-out of overdraft services for your debit card purchases and ATM withdrawals, which would cause any debit card purchases and ATM withdrawals to be declined and not paid in to overdraft for your checking account if funds were not availableI further explained that recurring automatic clearing house (ACH) transactions would be paid into overdraft for your checking accountWe discussed the transactions that caused your account to go in to a negative balance, which included the recurring student loan ACH payment of $and transfers to PayPal (current statement enclosed for reference)During this conversation, you advised me that you do not keep an accurate checking account ledger, instead utilizing FNB's mobile and online banking features to track your balance informationWe discussed options to help you avoid OD Fees in the future, including opening a personal line of credit attached to your checking account as overdraft protection and keeping an accurate checking account ledgerI advised you that Ellen S***, Branch Manager of the Lewistown Office, would follwith you via telephone to discuss how your account went in to a negative balance and how the OD Fees were assessed.On March 6, 2017, you spoke with MsS [redacted] via telephoneMsS [redacted] advised you that the recurring payment for your student loan and the transfers to PayPal were ACH transactions and therefore not covered under the overdraft services opt-outThe two of you discussed that your account was brought to a positive balance on February 23, 2018, with a deposit of $1,022.17, and that you had not accounted for the OD Fees totaling $assessed on February 22, This caused your account to become negative, as listed aboveThe negative balance of your checking account on February 27, 2018, as listed above, was also discussed including the OD and COD FeesDuring this conversation, you advised MsS [redacted] that you used FNB's mobile and online banking to monitor your accountMsS [redacted] reminded you that the fees are calculated in both the online and mobile banking ledgers and you responded that you had made a mistake and did not wish to pay the OD and COD Fees.On March 15,2018, as a one-time courtesy, OD Fees in the amount of $were refunded to your accountNo courtesy refunds will be issued going forward, unless a bank error occurs.As a follto this letter, I will contact you via telephone no later than March 19,2018, to discuss accurate checking account ledger practices and other options to help avoid OD Fees in the future.We hope this response to your complaint meets your satisfactionWhile 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,Nick L [redacted] Market Manager Central Mountain Region First National Bank
Dear Mr [redacted] :Please accept this letter in response to the Complaint that you filed with the Revdex.comon April 9, 2016, regarding overdraft Charges that were assessed to your checking account with FirstNational Bank of Pennsylvania (“FNB”)This letter will address the issue cited in your complaint andan explanation for the response provided.When we spoke on the phone recently we discussed a recurring debit on your checking account thatwas being disputedThis debit caused the checking account to become overdrawn, and subsequentoverdraft charges to be assessed to your accountDuring our conversation I provided you guidanceon how to formally dispute the transaction in questionSince that time a formal dispute was filedwith FNBProvisional credit was given for the disputed unauthorized debit, and all of the overdraftcharges that resulted were rebated to your checking account.We hope that this response to your complaint meets your satisfactionWhile this communication isintended to present the facts of the situation, we would like to express our appreciation for yourbusiness and hope that you will consider giving us the opportunity to serve you again in the future.If you have any additional questions, feel free to contact me at ###-###-####.Market Manager
April 20, [redacted] ***Revdex.com Case#: [redacted] Dear Mr***,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on April 18, 2018, regarding release of your boat and trailer titles following the payoff of your loan ending in [redacted] with First National Bank of Pennsylvania (FNB).On April 3, 2018, funds were received that satisfied your loan ending in ***In accordance with FNB policy and procedure your payoff funds were held for ten (10) business days prior to releasing the lienThe title for your trailer was in the possession of FNB and was mailed to you on April 17, The title for your boat, [redacted] is an electronically held title in the state of FloridaOn or before April 24, 2018, your lien release will be processed by the state of Florida and you will be able to request a paper copy of the titleFNB would be happy to request this on your behalf; however, this would further delay your receipt of the paper title, To best meet your needs, FNB has enclosed a list of centers that are able to provide same-day title services, as well as a cashier's check made payable to you to cover the cost of this service,Because FNB was notified of a bankruptcy filed on your behalf, your loan was handled solely by our collections area to ensure compliance with bankruptcy lawFor this reason, you were directed to our Collections Department when you called to inquire about your loanWe apologize for any confusion this may have caused.We hope this response to your complaint meets your satisfaction.Sincerely,Robert F [redacted] Manager of Document Services Loan Operations First Nationa
Please accept this letter in response to the complaint that you filed with the Better Business Bureau (Revdex.com) on June 25, 2017, regarding the deposit account agreement and ATM deposit polices on your checking account ending [redacted] with First National Bank of Pennsylvania (FNB).On June 10,2016, you opened checking account ending [redacted] at the Chippewa Branch with Assistant Branch Manager Jo S*At account opening, you endorsed the enclosed signature card, which indicates you agreed to the terms set forth in the deposit account agreement and that FNB provided at least one copy of the deposit account agreement to youThe deposit account agreement, enclosed for reference, explicitly discusses deposits made at ATM's in the ATM/ATM with TellerChat section on page four.On June 29,2017, you closed checking account ending ***We hope this response to your complaint meets your satisfactionWhile this communication is intended to present the facts of the situation, we would also like to express our appreciation for your business.Sincerely,Gerard G [redacted] Market Manager, Pittsburgh Region First National Bank
Please accept this letter in response to the complaint that you filed with the Revdex.com(Revdex.com) on June 6, 2017, regarding returned item fees and balance consistency on your checking accountending in at First National Bank of Pennsylvania (FNB).On June 5,2017, your ending balance was $To determine your available balance for June 6, 2017,we take your ending balance from the prior business day plus or minus any pre-authorized debits oravailable creditsYour available balance to pay items on June 6, was $From your availablebalance your account was presented with one item totaling $20.00, which posted to your accountleaving a negative balance of $The returned item fee charged to your account on June 7, 2017, of$was caused by the following transaction amounts: $The returned item fee was incurredper the deposit account agreement and personal fee schedule, provided to you at account opening andenclosed for reference.On June 6,2017, your ending balance was $To determine your available balance for June 7,2017,we take your ending balance from the prior business day plus or minus any pre-authorized debits oravailable creditsYour available balance to pay items on June 7, was $A cash deposit of$was posted to your account ending and the $item was returned for non-sufficientfunds and credited to your account, leaving a balance of $From your available balance youraccount was presented with two items, totaling $47.67, which posted to your account leaving a negativebalance of $4.42.On June 7,2017, your ending balance was negative $To determine your available balance for June8, 2017, we take your ending balance from the prior business day plus or minus any pre-authorizeddebits or available creditsYour available balance to pay items on June 8, was negative $Fromyour available balance your account was presented with one item, the $check previously returnedfor non-sufficient funds, which posted to your account leaving a negative balance of $On June 9,2017, the $item was returned a second time for non-sufficient funds and credited to accountending The returned item fee charged to your account on June 9,2017, of $was caused bythe following transaction amounts: $20.00.On June 6, 2017, you discussed the returned item, the returned item fees, bank hours and how/whenthe above transactions posted to your account, in addition to FNB's refund policy, via telephone withEileen [redacted] (Branch Manager, Forest City branch)Ms [redacted] explained that you had received acourtesy refund and no further refunds would be given unless there was a bank error or fraud onaccount ending You indicated your dissatisfaction with the conversation and requested a call fromMs***'s manager.On June 19, ,spoke with you via telephoneWe discussed FNB's refund policy and how thetransactions listed above caused returned items and returned item feesI reiterated that you hadreceived a previous courtesy refund and would not receive anotherYou again expressed yourdissatisfaction with the conversation.On July 28, FNB issued you a one-time courtesy refund of overdraft feesDue to the feesreferenced in this complaint not being caused by a bank error, no additional refund can be issued.We hope this response to your complaint meets your satisfactionWhile this communication is intendedto present the facts of the situation, wu would also like to express our appreciation for your business andour hope that you will continue to allow us to serve your financial needs.Sincerely,Sandy W***Vice PresidentMarket Manager, Capital RegionFirst National
January 18, [redacted] ***Revdex.com Case# [redacted] Dear Mrs [redacted] ,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on January 9, 2018, regarding your checking account with First National Bank of Pennsylvania (FNB).On January 8, 2018, you contacted FNB's Customer Service Center via telephone to update the address on your checking accountYou were informed of how to change your address via mail, by sending a written request, including a copy of your driver's license with the updated address and your signatureYou were also advised of the negative balance in your checking accountYou explained that there were unauthorized charges on your account that you would like to disputeTo protect the security of customer accounts, FNB is unable to send account information, including completed dispute forms, to a new address for thirty days after an address change.On January 16, 2018, a blank dispute form (enclosed for reference) was emailed to you at the address on file for your checking account, [redacted] with instructions to complete the form and mail it to the North Second Street Branch to facilitate the dispute processOn January 17, 2018, Laurie K***, Branch Manager of the North Second Street Branch, spoke with you via telephone to confirm receipt of the dispute formYou indicated that you had received the form and would mail it to North Second Street Branch, [redacted] ***, to MsK***'s attention.We apologize for any inconvenience this issue has caused you and hope this response to your complaint meets your satisfactionWhile 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,Susan D***Vice President, Market Manager Capital Region First National Bank
Please accept this letter in response to the complaint that you filed with the Revdex.com onDecember 17, 2016, regarding Regency Finance Company's collection efforts on your account ending in***This letter will address the issues cited in your complaint and an explanation for the responseprovided.Prior to filing this complaint, you had not notified Regency Finance in writing that you desired not to becontacted at your place of residence or by telephoneWe will respectfully adhere to your request andwill contact you by mail going forward.Enclosed is your payment history on the accountAccording to our records, you are in default under theterms of your note and have not maintained the minimum monthly payment scheduled to keep youraccount in good standingYour account is currently delinquent for your October 2016, November 2016,and December paymentsAs a result of this delinquency, Regency Finance Company filed a smallclaims legal action suitPlease contact the Regency Finance Office immediately to rectify yourdelinquent accountWe do offer a pay by phone option for your convenienceIn order to takeadvantage of this payment method, we ask that you visit your local branch so they can collect thenecessary information for your payments to be processedIn addition, you can mail your payments tothe branch if you preferIf you need any additional information, feel free to contact me at the phone number below, or you cancontact Manager Mike R [redacted] at ###-###-####, or Regional Manager Mike P [redacted] at ###-###-####.Sincerely,Rick M [redacted] Vice President, Quality Control Manager/Compliance OfficerRegency Finance CompanyP.OBox 1150Hermitage, PA 16148###-###-####
Please accept this letter in response to the complaint we received from the Revdex.comregarding your account in our Richmond, Kentucky officeThe purpose of this communication is toaddress the issues cited in your complaint regarding the same-as-cash option on your account.In your complaint, you stated that you did not receive the [redacted] from [redacted] prior to ourpurchase date on your accountAccording to the information Regency received from [redacted] ,your delivery date was 12/23/This is prior to our contract date on your accountOriginally, [redacted] provided 12/18/as your delivery date.In light of this information from our dealer, we are willing to accept your same as cash payment, andyour account has no balance going forward.If you need any additional information, feel free to contact Regional Manager Mark M [redacted] at [redacted] or myself at the numbers listed below.Sincerely,Rick M [redacted] Vice President, Quality Control Manager/Compliance OfficerRegency Finance Company
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted]
We have received a copy o f your communication from the Revdex.com regarding the status o f your accountsending in and After reviewing your accounts, we have found the following:On 08/24/2015, you filed disputes on items from [redacted] with dates ranging from 07/19/through08/23/Because you had prior relationships with this merchant you chose which items to dispute and which items werelegitimateTemporary provisional credit totaling $was provided on 08/31/for all o f the disputed itemsTheBank is still conducting its investigation which is due to expire in days (11/17/2015) from your initial notificationAsecond checking account was opened for you at your request on 10/14/as a courtesy so you would have access to fundsthat were being deposited.On 11/02/2015, the initial disputed account had been overdrawn for daysRegardless o f situation, the Bank’s policy is to“charge off ’ an account that has been continuously overdrawn for daysAt the time o f the charge off, the bank reservesthe right to “use the money from any other account in which you hold an interest to pay the debt” This is found in theDeposit Account AgreementWhen the original, disputed account was charged off, funds were collected from the newaccount that was opened to off-set the amount owed to the bankThe charge off was not sent to Collections and will not besent until the disputes that were filed are resolved.The case will be resolved on 11/17/2015, at which time the action taken will depend on the outcome of the disputesIf thedisputes are valid, the temporary provisional credit will become permanent and any fees assessed as a result o f the disputeditems will be refundedIf the disputes are not found to be valid, the temporary provisional credit will be reversed and theamount owed to the bank will be sent to Collections
After reviewing your letter, we are led to believe that you intended to contact a different First National Bank, specifically, First National Bank of MifflintownWe are First National Bank of PennsylvaniaWe have provided you the contact information (below) for First National Bank of Mifflintown and strongly encourage you to give them a call to confirm you have the correct bank and mailing address prior to mailing your concernsIf you did intend to contact us at First National Bank of Pennsylvania, feel free to call our Customer Service number for further assistance: ###-###-####First National Bank of Mifflintown ###-###-#### [redacted] Thank you, Rebecca C [redacted] Problem Resolution and Escalated Response Administrator Consumer Banking Solutions First National Bank
This letter is in response to the complaint received by First National Bank of Pennsylvania(FNB) on March 17, 2016, from the Revdex.com on your behalfThis letter serves asour response to this matter.On March 3, you attempted to close your account however there were pending items thatwere in process $***, $ [redacted] and $ [redacted] **Due to the account nothaving enough funds to pay these pending items, your account was charged $inoverdrafts fees which was refunded on March 18, and $in continuous overdraft fees,which $was refunded on March 18, We have refunded the additional $onMarch 23,in continuous overdraft fees however the account remains in the negative $61.15due the purchases made.If you have any specific questions please contact me directly at ###-###-####.Sincerely,Kristen M [redacted] Vice President
Please accept this letter in response to the complaints you filed with the Better Business Bureau on March 27, and April 4, 2017, regarding unauthorized charges and the related overdraft (OD) and continuous overdraft (COD) fees on your checking account at First National Bank of Pennsylvania ("FNB").Per your conversation with the Personal Banking Representative at Simpson Ferry on Monday, March 27, an ATM/Debit Dispute was filed for two transactions as follows: $for [redacted] and $for [redacted] The vendor who charged these items refunded you a total of $on March 31, Please find enclosed your account statement, the email correspondence between you and the Simpson Ferry branch and a copy of the dispute for your reference.On April 6, 2017, FNB closed your dispute and issued the remaining balance of $ as a permanent creditA separate letter regarding the dispute closure was sent to you on this dateFNB issued a refund of one OD fee in the amount of $ and COD fees in the amount of $to your account on April 6, 2017.Please reach out the Branch Manager of the Simpson Ferry Office, Taryn W [redacted] , at ###-###-#### with any questions or concerns.Kristen M [redacted] Vice PresidentMarket Manager, Capital Region First National BankWe hope this response to your complaint meets your satisfactionWhile 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 consider giving us the opportunity to serve you again in the future.Thank you,
We have received a copy of your communication from the Revdex.com regarding the statusof your account ending in 5133.Upon reviewing your account, we have found the following:August 15, - [redacted] and [redacted] came into the branch to discuss overdraftcharges/unauthorized items from [redacted] [redacted] requested statements to show [redacted] ***that it was their debit transactions that overdrew their accountThe account was first overdrawn onAugust The transactions in question are time stamped August and posted to their account AugustDuring this conversation, the Assistant Manager explained that credits will post before debits, andthat items post largest to smallest regardless of the time of day the transaction took placeShe also toldher that any business transacted over a weekend is on the following Monday's businessThe AssistantManager was unable to comply with ***'s request to create a statement proving [redacted] ***transactions were the first overdraft on the account since the account history shows the account at anegative balance on August The Assistant Manager offered to file dispute claims, but [redacted] chose totry to get in contact with [redacted] in order for the refund to be handled on their sideThis was due tothe fact that it was explained to [redacted] that the Business Debit Card that was used must be closed whenfiling the disputes through FNB [redacted] did not want the Debit Card closedWe agreed to waive thecontinuous OD fee until the hotel refunded the charges or disputes were filed with FNB [redacted] alsostated that she had in her words "a large deposit" for the account, but was not going to deposit thisbecause she felt that the hotel and bank would be less apt to refund anything if the deposit was made.August 28, - disputes filed with FNB - debit card was closed.September 8, - provisional credit issued.September 17, - [redacted] called to speak with the Manager regarding some of the overdraft fees onthe accountBranch Manager explained that the time stamp on the transactions validated that theaccount was overdrawn prior to the [redacted] transactionsWhen requesting NSF fees, the Managerstated that only a total of - $NSF fees could be refunded as those were attached to the disputedtransactions [redacted] requested an exception refund for all of the fees accumulated over this timeTheManager stated that since there was no bank error, no additional fees would be refunded.September 21, - Manager contacted the customer to inform them that he had checked with hissupervisor and that the decision was that the four (4) NSF fees would be refunded as a result of the 4disputes/provisional credit items, but no additional NSF fees would be refunded, again, because this wasnot a bank errorDuring the conversation, [redacted] stated her intentions were to close the account.September 23, - [redacted] and [redacted] came in to close the accountThe Assistant Manager wasworking a teller window and waited on themSince the account was at a negative balance, [redacted] and [redacted] were told that we were unable to comply with their request to close the account until andunless the account was at a zero balanceThe Assistant Manager advised them that after days theaccount would be charged off and sent to collectionsThe account continued to accrue continuousoverdraft fees until it was charged off on September 28, 2015.Please feel free to contact us with any further questions.Sincerely,Madonna M***
Please accept this letter in response to the complaint you filed with the Revdex.com on May26, regarding the overdraft fees (OD Fees) assessed to your account with First National Bank ofPennsylvania (“FNB”).As stated in your complaint, the $payment to Capital One on April 22, 2016, overdrew yourchecking account ending in and on April 25, 2016, this transaction was returned due toinsufficient fundsAs a result, on April 25, an OD Fee of $was assessed to your account.Every three days that your account remained overdrawn a continuous OD Fee of $was assessed toyour accountPer our conversation on May 27, 2016, FNB agreed as a courtesy, to refund all OD Feescharged and close your account.We hope this response to your complaint meets your satisfactionWhile this communication is intendedto present the facts of the situation, we would also like to express our appreciation for your business andhope that you will provide us the opportunity to continue serving you.Sincerely,Susan [redacted] D***Vice PresidentMarket ManagerFirst National Bank
Please accept this letter in response to the complaint you filed with the Revdex.com on January 11, 2016,regarding your qualification for a promotional offer by First National Bank of Pennsylvania (FNB)Thisletter will address the issue cited in your complaint and an explanation for the response provided.To initially qualify for the promotional offer new customers had to first open both a Freestyle Checkingand FirstRate Savings Account This was disclosed in the mailer that you brought in at account opening.We are not able to confirm what was discussed when you opened your account so as a gesture ofgoodwill FNB will award you the $bonusThe $bonus was deposited into savings accountending in on 1/14/16.We hope this response to your complaint meets your satisfactionWhile this communication isintended to present the facts of the situation, we would also like to express our appreciation for yourbusiness and our hope that you will consider giving us the opportunity to serve you again in the future.If you have any additional questions, please feel free to contact me at [redacted] .Alison *S [redacted] Market Manager, Vice President
Please consider this letter a response to the complaint filed on May 4, regarding your Checkingaccount with First National Bank of Pennsylvania(FNB)Prior to the conversion date of the acquiredBank of America ( BOA)Branches in September of 2015, FNB mailed detailed information to theFormer BOA customers in a letter including the following information:We recommend that you print or save your past account statements, any pending transfers or billpayments, as well as bill payment payees from BOAThe communication also included instructionsfor customers that chose not to be included in the conversion to FNB.Post Conversion your checking account reflected activity including internet transfers from a savingsaccount to the checking account, utility payments, as well as several debit card transactionsOnSeptember 24, as referenced by you, a pay pal transaction was initiated bringing the account to azero balanceThe same day, American Education services debited $from the accountUponresearch being completed, there was no evidence that FNB received an affidavit disputing thetransaction as unauthorizedThis transaction caused the account to become negative, and subsequentfees were assessed according to FNB's overdraft policyThe account remained with a negativebalance until November 13, at which time it was charged off and sent to collections.If you would like to discuss this matter further please contact me at your convenience .###-###-####
This letter is in response to the complaint received by First National Bank of Pennsylvania(FNB) on March 14,2016, from the Revdex.com on your behalfThis letter serves asour response to this matter.On Saturday, February 20,2016, a $cash deposit was made to your checking account endingin via an ATM, those funds were not considered received until Monday, February 22,2016and not available until Tuesday, February 23, FNB’s Funds Availability Process wasdisclosed to you in the Deposit Account Agreement, this process was further explained duringour March 15, 2016, phone conversationAs a courtesy, $was refunded to your checkingaccount on March 16, 2016.If you have any questions please contact me directly at ###-###-####
March 15,[redacted] ***Revdex.com Case# [redacted] Dear Ms [redacted] ,Please accept this tetter in response to the complaint that you filed with the Revdex.com (Revdex.com) on March 1,2018, regarding overdraft fees (OD Fees) on your checking account at First National Bank of Pennsylvania (FNB).Online and mobile banking are optional services offered by FNB, which are designed to make managing your accounts simple and convenientHowever, these optional services are not a substitution for standard accounting proceduresOnly you, as the account owner, will have full knowledge of all debits, checks, ACH and debit card transactions being presented to your accountAll transactions posted to your account and all fees assessed to your account were assessed in accordance with the deposit account agreement and personal fee schedule provided to you at the time of account opening (enclosed for reference).On February 20,2018, the ending balance for your checking account was $To determine your available balance for February 21, 2018, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available creditsYour available balance to pay items on February 21, 2018, was $From your available balance, your account was presented with thirteen items totaling $227.26, which posted to your account leaving a negative balance of $The OD Fees charged to your account on February 22,2018, totaling $370.00, were caused by the following transaction amounts: $141.32;$20.00; $17.96; $7.10; $7.10; $7.10; $4.94; $4.38; $4.10; $3.82; $3.34; $and $Pursuant to the deposit account agreement and personal fee schedule, the maximum number of OD Fees you can be charged per day is ten.On February 25,2018, the ending balance for your checking account was $To determine your available balance for February 26, 2018, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available creditsYour available balance to pay items on February 26, 2018, was $From your available balance, your account was presented with eighteen items totaling $621.74, which posted to your account leaving a negative balance of $The OD Fees charged to your account on February 27, 2018, totaling $370.00, were caused by the following transaction amounts: $318.50; $79.38; $40.00; $30.00; $30.00; $16.03; $15.00; $14.86; $14,00; $13.00; $12.99; 8.75; $7.58; $7.41; $4.99; $4.14; $and $1.62.On February 26, 2018, the ending balance for your checking account was negative $To determine your available balance for February 27, 2018, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available creditsYour available balance to pay Items on February 27, 2018, was negative $A PayPal transfer totaling $was credited to your account, bringing the available balance to $From your available balance, your account was presented with three items totaling $839.25, which posted to your account leaving a negative balance of $The OD Fees charged to your account on February 28, 2018, totaling $74.00, were caused by the following transaction amounts $and $Pursuant to the deposit account agreement and personal fee schedule, your checking account was assessed one, $continuous overdraft fee (COD Fee) on February 28,2018, as the account maintained a negative balance for three business days.On March 1,2018, I spoke with you via telephone regarding your checking accountWe discussed overdraft servicesI advised you that your account was opted-out of overdraft services for your debit card purchases and ATM withdrawals, which would cause any debit card purchases and ATM withdrawals to be declined and not paid in to overdraft for your checking account if funds were not availableI further explained that recurring automatic clearing house (ACH) transactions would be paid into overdraft for your checking accountWe discussed the transactions that caused your account to go in to a negative balance, which included the recurring student loan ACH payment of $and transfers to PayPal (current statement enclosed for reference)During this conversation, you advised me that you do not keep an accurate checking account ledger, instead utilizing FNB's mobile and online banking features to track your balance informationWe discussed options to help you avoid OD Fees in the future, including opening a personal line of credit attached to your checking account as overdraft protection and keeping an accurate checking account ledgerI advised you that Ellen S***, Branch Manager of the Lewistown Office, would follwith you via telephone to discuss how your account went in to a negative balance and how the OD Fees were assessed.On March 6, 2017, you spoke with MsS [redacted] via telephoneMsS [redacted] advised you that the recurring payment for your student loan and the transfers to PayPal were ACH transactions and therefore not covered under the overdraft services opt-outThe two of you discussed that your account was brought to a positive balance on February 23, 2018, with a deposit of $1,022.17, and that you had not accounted for the OD Fees totaling $assessed on February 22, This caused your account to become negative, as listed aboveThe negative balance of your checking account on February 27, 2018, as listed above, was also discussed including the OD and COD FeesDuring this conversation, you advised MsS [redacted] that you used FNB's mobile and online banking to monitor your accountMsS [redacted] reminded you that the fees are calculated in both the online and mobile banking ledgers and you responded that you had made a mistake and did not wish to pay the OD and COD Fees.On March 15,2018, as a one-time courtesy, OD Fees in the amount of $were refunded to your accountNo courtesy refunds will be issued going forward, unless a bank error occurs.As a follto this letter, I will contact you via telephone no later than March 19,2018, to discuss accurate checking account ledger practices and other options to help avoid OD Fees in the future.We hope this response to your complaint meets your satisfactionWhile 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,Nick L [redacted] Market Manager Central Mountain Region First National Bank
Dear Mr [redacted] :Please accept this letter in response to the Complaint that you filed with the Revdex.comon April 9, 2016, regarding overdraft Charges that were assessed to your checking account with FirstNational Bank of Pennsylvania (“FNB”)This letter will address the issue cited in your complaint andan explanation for the response provided.When we spoke on the phone recently we discussed a recurring debit on your checking account thatwas being disputedThis debit caused the checking account to become overdrawn, and subsequentoverdraft charges to be assessed to your accountDuring our conversation I provided you guidanceon how to formally dispute the transaction in questionSince that time a formal dispute was filedwith FNBProvisional credit was given for the disputed unauthorized debit, and all of the overdraftcharges that resulted were rebated to your checking account.We hope that this response to your complaint meets your satisfactionWhile this communication isintended to present the facts of the situation, we would like to express our appreciation for yourbusiness and hope that you will consider giving us the opportunity to serve you again in the future.If you have any additional questions, feel free to contact me at ###-###-####.Market Manager
Regency Finance Company has reviewed this matter, our position has not changed and consider this matter closed
April 20, [redacted] ***Revdex.com Case#: [redacted] Dear Mr***,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on April 18, 2018, regarding release of your boat and trailer titles following the payoff of your loan ending in [redacted] with First National Bank of Pennsylvania (FNB).On April 3, 2018, funds were received that satisfied your loan ending in ***In accordance with FNB policy and procedure your payoff funds were held for ten (10) business days prior to releasing the lienThe title for your trailer was in the possession of FNB and was mailed to you on April 17, The title for your boat, [redacted] is an electronically held title in the state of FloridaOn or before April 24, 2018, your lien release will be processed by the state of Florida and you will be able to request a paper copy of the titleFNB would be happy to request this on your behalf; however, this would further delay your receipt of the paper title, To best meet your needs, FNB has enclosed a list of centers that are able to provide same-day title services, as well as a cashier's check made payable to you to cover the cost of this service,Because FNB was notified of a bankruptcy filed on your behalf, your loan was handled solely by our collections area to ensure compliance with bankruptcy lawFor this reason, you were directed to our Collections Department when you called to inquire about your loanWe apologize for any confusion this may have caused.We hope this response to your complaint meets your satisfaction.Sincerely,Robert F [redacted] Manager of Document Services Loan Operations First Nationa
Please accept this letter in response to the complaint that you filed with the Better Business Bureau (Revdex.com) on June 25, 2017, regarding the deposit account agreement and ATM deposit polices on your checking account ending [redacted] with First National Bank of Pennsylvania (FNB).On June 10,2016, you opened checking account ending [redacted] at the Chippewa Branch with Assistant Branch Manager Jo S
*At account opening, you endorsed the enclosed signature card, which indicates you agreed to the terms set forth in the deposit account agreement and that FNB provided at least one copy of the deposit account agreement to youThe deposit account agreement, enclosed for reference, explicitly discusses deposits made at ATM's in the ATM/ATM with TellerChat section on page four.On June 29,2017, you closed checking account ending ***We hope this response to your complaint meets your satisfactionWhile this communication is intended to present the facts of the situation, we would also like to express our appreciation for your business.Sincerely,Gerard G [redacted] Market Manager, Pittsburgh Region First National Bank
Please accept this letter in response to the complaint that you filed with the Revdex.com(Revdex.com) on June 6, 2017, regarding returned item fees and balance consistency on your checking accountending in at First National Bank of Pennsylvania (FNB).On June 5,2017, your ending balance was $To determine your available balance for June 6, 2017,we take your ending balance from the prior business day plus or minus any pre-authorized debits oravailable creditsYour available balance to pay items on June 6, was $From your availablebalance your account was presented with one item totaling $20.00, which posted to your accountleaving a negative balance of $The returned item fee charged to your account on June 7, 2017, of$was caused by the following transaction amounts: $The returned item fee was incurredper the deposit account agreement and personal fee schedule, provided to you at account opening andenclosed for reference.On June 6,2017, your ending balance was $To determine your available balance for June 7,2017,we take your ending balance from the prior business day plus or minus any pre-authorized debits oravailable creditsYour available balance to pay items on June 7, was $A cash deposit of$was posted to your account ending and the $item was returned for non-sufficientfunds and credited to your account, leaving a balance of $From your available balance youraccount was presented with two items, totaling $47.67, which posted to your account leaving a negativebalance of $4.42.On June 7,2017, your ending balance was negative $To determine your available balance for June8, 2017, we take your ending balance from the prior business day plus or minus any pre-authorizeddebits or available creditsYour available balance to pay items on June 8, was negative $Fromyour available balance your account was presented with one item, the $check previously returnedfor non-sufficient funds, which posted to your account leaving a negative balance of $On June 9,2017, the $item was returned a second time for non-sufficient funds and credited to accountending The returned item fee charged to your account on June 9,2017, of $was caused bythe following transaction amounts: $20.00.On June 6, 2017, you discussed the returned item, the returned item fees, bank hours and how/whenthe above transactions posted to your account, in addition to FNB's refund policy, via telephone withEileen [redacted] (Branch Manager, Forest City branch)Ms [redacted] explained that you had received acourtesy refund and no further refunds would be given unless there was a bank error or fraud onaccount ending You indicated your dissatisfaction with the conversation and requested a call fromMs***'s manager.On June 19, ,spoke with you via telephoneWe discussed FNB's refund policy and how thetransactions listed above caused returned items and returned item feesI reiterated that you hadreceived a previous courtesy refund and would not receive anotherYou again expressed yourdissatisfaction with the conversation.On July 28, FNB issued you a one-time courtesy refund of overdraft feesDue to the feesreferenced in this complaint not being caused by a bank error, no additional refund can be issued.We hope this response to your complaint meets your satisfactionWhile this communication is intendedto present the facts of the situation, wu would also like to express our appreciation for your business andour hope that you will continue to allow us to serve your financial needs.Sincerely,Sandy W***Vice PresidentMarket Manager, Capital RegionFirst National
The attached response was mailed to the client on 7/22/
January 18, [redacted] ***Revdex.com Case# [redacted] Dear Mrs [redacted] ,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on January 9, 2018, regarding your checking account with First National Bank of Pennsylvania (FNB).On January 8, 2018, you contacted FNB's Customer Service Center via telephone to update the address on your checking accountYou were informed of how to change your address via mail, by sending a written request, including a copy of your driver's license with the updated address and your signatureYou were also advised of the negative balance in your checking accountYou explained that there were unauthorized charges on your account that you would like to disputeTo protect the security of customer accounts, FNB is unable to send account information, including completed dispute forms, to a new address for thirty days after an address change.On January 16, 2018, a blank dispute form (enclosed for reference) was emailed to you at the address on file for your checking account, [redacted] with instructions to complete the form and mail it to the North Second Street Branch to facilitate the dispute processOn January 17, 2018, Laurie K***, Branch Manager of the North Second Street Branch, spoke with you via telephone to confirm receipt of the dispute formYou indicated that you had received the form and would mail it to North Second Street Branch, [redacted] ***, to MsK***'s attention.We apologize for any inconvenience this issue has caused you and hope this response to your complaint meets your satisfactionWhile 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,Susan D***Vice President, Market Manager Capital Region First National Bank
Please accept this letter in response to the complaint that you filed with the Revdex.com onDecember 17, 2016, regarding Regency Finance Company's collection efforts on your account ending in***This letter will address the issues cited in your complaint and an explanation for the responseprovided.Prior to filing this complaint, you had not notified Regency Finance in writing that you desired not to becontacted at your place of residence or by telephoneWe will respectfully adhere to your request andwill contact you by mail going forward.Enclosed is your payment history on the accountAccording to our records, you are in default under theterms of your note and have not maintained the minimum monthly payment scheduled to keep youraccount in good standingYour account is currently delinquent for your October 2016, November 2016,and December paymentsAs a result of this delinquency, Regency Finance Company filed a smallclaims legal action suitPlease contact the Regency Finance Office immediately to rectify yourdelinquent accountWe do offer a pay by phone option for your convenienceIn order to takeadvantage of this payment method, we ask that you visit your local branch so they can collect thenecessary information for your payments to be processedIn addition, you can mail your payments tothe branch if you preferIf you need any additional information, feel free to contact me at the phone number below, or you cancontact Manager Mike R [redacted] at ###-###-####, or Regional Manager Mike P [redacted] at ###-###-####.Sincerely,Rick M [redacted] Vice President, Quality Control Manager/Compliance OfficerRegency Finance CompanyP.OBox 1150Hermitage, PA 16148###-###-####
Please accept this letter in response to the complaint we received from the Revdex.comregarding your account in our Richmond, Kentucky officeThe purpose of this communication is toaddress the issues cited in your complaint regarding the same-as-cash option on your account.In your complaint, you stated that you did not receive the [redacted] from [redacted] prior to ourpurchase date on your accountAccording to the information Regency received from [redacted] ,your delivery date was 12/23/This is prior to our contract date on your accountOriginally, [redacted] provided 12/18/as your delivery date.In light of this information from our dealer, we are willing to accept your same as cash payment, andyour account has no balance going forward.If you need any additional information, feel free to contact Regional Manager Mark M [redacted] at [redacted] or myself at the numbers listed below.Sincerely,Rick M [redacted] Vice President, Quality Control Manager/Compliance OfficerRegency Finance Company