The bank claims I did not have available funds until November which is why they charged me overdraft fee's totaling in dollarsHowever, according to my account statement from the bank, all deposited funds were available on November I was not charged any fees until after on the 10thI have numerous copies of my statement proving this to be true which I can provide
Please accept this letter in response to the complaint you filed with the Revdex.com onDecember 5,2016, regarding the status o f your checking account at First National Bank ofPennsylvania (FNB).On November 18,2016, your ending balance in your checking account ending in [redacted] was $132.93.To determine your available balance for November 19,2016, we take your ending balance from theprior business day plus or minus any preauthorized debits or available creditsYour available balanceto pay items on November 19, 2016, was $(preauthorized debit $10.06)From your availablebalance your account was presented with five items totaling $which posted to your accountleaving a negative balance o f $The overdraft fees (OD Fees) charged to your account onNovember 22, 2016, of $were caused by the following transaction amounts: $56.37, $33.00,$and $The preauthorized debit of $referenced above never dropped off andnegatively impacted your available balanceThe actual balance to pay items on November 19, 2016,should have been $not $Due to this error, your account was assessed an OD Fee for the$Target transactionThe OD Fee charged to your account on November 22,2016, should havebeen $and not $On December 6, 2016, a refund o f $37,was credited to yourchecking account ending in ***.On November 19, 2016, you deposited a $check into an FNB automated teller machine (ATM).Per FNB’s funds availability policy, this deposit was considered received on the next business day,which was Monday, November 21,2016, and available to pay items on Tuesday, November 22,2016.We hope this response to your complaint meets your satisfactionWhile this communication isintended to present the facts o f the situation, we would also like to express our appreciation for yourbusiness.Sincerely,Alison [redacted] S [redacted] Market Manager and Vice PresidentFirst National Bank of Pennsylvania
Thank you for taking the time to notify us of your unsatisfactory experience with your MortgageApplication processAgain, we apologize for any inconvenience this may have causedThisletter confirms resolution of the issue and the steps taken as part o f the process.After reviewing the file, it appears that there was a delay between your written request for yourappraisal to be transferred to your new lender and our completion of that transferThis delaywas caused by a miscommunication in regard to your new lender’s FHA IDWithout the correctID for this lender, we were unable to complete your request.We have sent you the last version o f your appraisal for your new lender to use and havecompleted the necessary transfers with FHA.We value your business and thank you for bringing your experience to our attentionWe alwaysappreciate your feedbackIf you need further assistance, you may contact me at ###-###-####.Thank you, [redacted] **Regional Sales Manager
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com:this has been taken care of forgot about this complaint the bank did take care of it thank you I have reviewed the response made by the business in reference to complaint ID 11539535, and find that this resolution is satisfactory to me Regards, Veronica Irons
Revdex.com Case# [redacted] Dear MrF*,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on March 8, 2018, regarding your charged-off checking account at First National Bank of Pennsylvania (FNB).On July 5, 2016, Angela P***, Assistant Branch Manager of the Grandview Office, sent you the enclosed email notifying you of your account status, which included the current printed statement (enclosed for reference)MsP [redacted] advised you that your account had maintained a negative balance for daysYou responded that there were some transactions you did not recognize and would rectify the situation immediatelyYou also requested that your debit card be closed and requested a new oneMsP [redacted] advised you that while your debit card could be closed, a new card could not be ordered due to the negative balance of your checking account There is no evidence of a discussion regarding a dispute of the unrecognized transactions or a refund of any overdraft feesFurther, FNB has no record that you contacted us to dispute the transactions or request an overdraft fee refund on or around the date of the email correspondence mentioned above.On August 9, 2016, your checking account was charged-off after maintaining a negative balance for more than forty-five daysOn August 10, 2016, your account was sent to AAS Debt Recovery Incorporated (AAS) for collection.On February 20, 2018, you called MsP [redacted] via telephone regarding your charged-off checking accountMsP [redacted] advised you that the account had been sent to AAS for collection and provided their phone number, [redacted] , for contactOn February 22, 2018, you called MsP***, stating that AAS advised you to contact FNB regarding the charged-off accountDuring that conversation, you advised MsP [redacted] that you felt that your checking account was charged-off due to unauthorized charges and believed you had requested a refund for the charges in July of MsP [redacted] explained that FNB's policy is to advise our customers to file a dispute for unauthorized charges, that we occasionally ask that a police report be filed, and that at the time, you did not request a dispute or refund of overdraft feesAs of the date of this letter, no dispute has been filed for the suspected unauthorized charges, nor has any request to refund overdraft fees been received.On March 16, 2018, your charged-off checking account was re-evaluated by FNB's Deposit Operations Department, per your requestIt was determined that due to the amount of the collection, which is under $10.00, FNB would remove your checking account from collections with AAS and from ChexSystemsPlease accept this letter as a confirmation that your charged-off checking account has been removed from all collection activity with AAS and ChexSystems as of March 16, 2018.This communication is intended to present the facts of the situation and we hope this response to your complaint meets your satisfaction.Sincerely,Alison S [redacted] Market Manager Northwest Region First National Bank
We have received a copy of your communication from the Revdex.comregarding the status of your account number ending in ***.Upon reviewing your account, we have found the following:On May 9, you were notified by email from our Customer Service area that youneeded to completed steps to insure functionality for your mobile device tied to your FirstNational Bank accountsYou responded the same day that you understood what neededcompletedOn May 12, you used your mobile banking device to review allaccounts that you hold with First National Bank including pending transactions.On May 13, a bill payment item payable to [redacted] for $was presented forpayment and at 9:pm on the same day a transfer was created from checking accountending in ***Since the transfer was not initiated until after the Bank’s cut off time of8:pmThis is why your account incurred an overdraft fee.As a courtesy to you, on May 20, refunds totaling $were generated for youraccount to take the balance to zero.Thank you for taking the time to share this valuable information.Nicholas [redacted] L [redacted]
We have received a copy of your communication from the RevDex.com regarding the statusof your account number ending in 3137.Upon reviewing your account, we have found the following:On October 2, 2015, the balance in your account ending in 3137 was $696.30, on this same day a $300ATM... withdraw occurred along with a Well Fargo debit for $640.18, this left the account with a negativebalance of -243.88. The ATM gave you a positive balance because the $640.18 debit had not clearedyour account yet. We recommend keeping track of your account activity with a check register. I haveincluded the Deposit Account Agreement for First National Bank and a Checking Account Register foryour convenience.Although this was not a bank error, as a courtesy, we have credited your account for the amount of theOverdraft Fee ($37).Have you considered, attaching a savings account to your checking account or applying for our QuickCash Account as a cash reserve, if you qualify, this may prevent future overdrafts from occurring.If you have any questions, please do not hesitate to call me at ###-###-####.Sincerely,Assistant Branch Manager
To all they have not told the truth and honestyThe first problem was when First National Bank took over Metro they sent out a payment through the bill pay dated not to go out on April 1,and they sent it out on February 1,and charge me overdraft fee and it was their fault and dud not fix it, then being they sent the bill pay out to early and charge me fee of and then being the account was overdraw they then charge me a feeThis bank know my Military check does not go into the bank tiil the 1st and I never scehdule any payment till the forst or after.By thime it was over and done with all the fees my accout was negative $for all their fees and which is outragesThey sent me emails through their site that they sent out letter and their booklet oabout them and all the fees.And as we stanfd now with all their fees they have my account at negative $I need someone to go in and check out things cause I refuse to to apy these outrages feesAnd when I called to talk to te manager the excuse was that she was not there and she was the only mamager trying to run three banks till they get new managers.I get $amonth in my pension and I have money to pay everything but the way they did anddiong things with all their outrages fees no one can afford.And when I called and ask to stop payments on theingsor for them to close my account they claim they cannot do either.So with all this I hoping someone investigate this and a;ll the outrages fees they are charging.I have never in my life had trouble with a bank till now.The first National Bank here in Harrisbyrg, Pa is the worst bank in with all their putrages fees.I legelly do not know how they are allow to charge fees like overdrafts in one draw and and in another draw.I am apply to this being I haoping someone is out there to help the customer or citizen instead allowing these banks and company to proceed in charging out rages fees!Sincerely and Thankyou
Please accept this letter in response to the complaint that you filed with the Revdex.com on January 6, Your complaint is in regard to the automatic payment withdrawals from your checking account for your loan at Regency Finance Company ("RFC") on your account ending in *** During a review of your account, we did not locate prior written or oral notifications from you requesting that RFC not process phone payments from your checking accountRFC will respectfully adhere to your requestEnclosed is a copy of the payment history regarding this account for your referenceIn speaking with the manager of the office, he confirmed he spoke to you and conveyed the same information to youRFC will no longer process funds from the checking account per your requestShould you need any additional information, please contact Robert K***, Regional Manager, at ###-###-####You may also contact me at the number listed in my signature lineWe 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 businessSincerely, Rick M [redacted] Vice President, Quality Control Manager/Compliance Officer Regency Finance Company ###-###-####
Please accept this letter in response to the complaint that you filed with the RevDex.com (Revdex.com) on May 16, 2017, regarding a returned item fee and overdraft fees (OD Fees) on your checking account ending [redacted] with First National Bank of Pennsylvania (FNB).On June 23, 2017, your ending balance was $To determine your available balance for June 24,2017, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available creditsNo transactions were presented to your account ending [redacted] on June 24,2017, and June 25, Your available balance to pay items on June 26,2017, was $From your available balance your account was presented with nine items totaling $1288.12, which posted to your account leaving a negative balance of $The overdraft fees (OD Fees) charged to your account ending [redacted] on June 27, 2017, of $was caused by the following transaction amounts: $and $The returned item fee of $charged to your account on June 27, 2017, was caused by the following transaction amount: $98.26.On Saturday, June 24,2017, you made a deposit of $cash via automatic teller machine (ATM).Per the deposit agreement, provided to you at account opening and enclosed for reference, that deposit was made available the first business day after the deposit, Tuesday, June 27, 2017.You were refunded a total of $in continuous overdraft fees and overdraft fees in On June 29, FNB issued you a final, one-time courtesy refund of OD fee, totaling $Due to the OD fees and returned item fee referenced in this complaint not being caused by a bank error, no additional refund can be issued.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.Market Manager, Pittsburgh Region First National Bank
October 14,2016Case Number: [redacted] Dear Ms [redacted] ,Please accept this letter in response to the complaint you filed with the Revdex.com onOctober 5, 2016, regarding your checking account at First National Bank of Pennsylvania (FNB).On October 6, 2016, you called the call center regarding the $PayPal transaction that postedto your account ending in on October 3, This transaction overdrew your account,which caused the $overdraft fee (OD Fee) on October 4, 2016, and the $ContinuousOD Fee on October 5, The agent advised that you could dispute the transaction, if you feltthe transaction was unauthorized, but your response was that you authorized the transaction andthere was nothing to disputeIn your complaint, you indicated that the $PayPal transactionwas unauthorized, action was taken, and our Uniontown Branch has been trying to reach you togather additional information.Our records indicate that your account does have overdraft services but is opted out of RegulationE, which does not authorize FNB to pay overdrafts on ATM transactions and everyday debit cardtransactionsHowever, checks and automated clearing house debit transactions made using yourchecking account number while your account is in an opt-out status can overdraw your accountand cause OD FeesThis is why your account was assessed an OD Fee for the PayPaltransaction.During the call the agent also informed you that you would not be able to close your account untilyour account was brought to a positive balance.Hopefully I have addressed your questions and concerns, but if you would like to discuss ouronline services further, please contact me at ###-###-####.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 foryour business.Sincerely,Barbara G***VP Customer Service ManagerFirst National Bank of Pennsylvania
It was a pleasure speaking with you todayPlease accept this letter in response to the complaint you filedwith the Revdex.com on April 23, 2016, regarding the overdraft fees assessed to your accountwith First National Bank of Pennsylvania (“FNB”)This letter will address the issues cited in yourcomplaint and an explanation for the response provided.FNB determined that after your deposit on March 19, 2016, you came in to close your checkingaccount ending in [redacted] but due to a coding error that did not occurThis enabled a debit from [redacted] for $to post to your account on April 15, 2016, which caused a $overdraft fee (OD Fee) andthree days later a $continuous OD Fee was also chargedOn April 22, 2016, the $OD Fee and$continuous OD Fee was refunded which left your account overdrawn $On April 22, 2016and April 27, a $continuous OD Fee was assessedDue to the bank error, we have creditedyou the $ [redacted] fee as well as the two continuous OD Fees ($24)The account has been closedand you should have no further issues.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 *D***Vice PresidentMarket ManagerFirst National Bank
Dear Ms [redacted] Please accept this letter in response to the complaint you tiled with the Revdex.com onOctober 13, 2016, regarding a missing check for $from your deposit made on October 7, atFirst National Bank of Pennsylvania (FNB).We apologize that your deposit was mishandled, which caused a $debit correction to youraccount on October 7, Per your conversation with the Manager at Hampden Center on October24, 2016, your account ending in was credited $35.00.If you additional questions or concerns, please reach out the Hampden Center’s branch manager at [redacted] .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.Sincerely,Kristen M [redacted] Vice President and Market ManagerFirst National Bank o f Pennsylvania
I have spoken to Mrs [redacted] twice, once when I first came to the dundalk office in December and again on Monday June 29th [redacted] Attached you will find FNB Funds Availability and Mrs [redacted] 's account statements for the last few months.When she came into the branch in December she had NSF's on her account, she told me she opted out when we merged so that her debit card would be declined if the funds were not available in her accountI tried to explain how the fees ended up on her account, when the card was swiped the funds were in the account some transactions take longer to clear then others, so when the transactions tried to post the account the funds were no longer thereFor example there were checks that had cleared after the card was swipedMrs [redacted] then told me she was closing all of her accounts because this was fraudI apologized for this happening to her, again trying to explain why this had happened.I tried to explain to her that FNB does not clear on uncollected items like BCSB use toI tried to explain options that FNB offers.Mrs [redacted] came in on Monday about her NSF's feesI have attached her statements for the last few months, to show her account historyI explained to Mrs [redacted] that when deposits are made at the ATM the funds are not available immediately, it can take up to hours from when the deposit is madeI told her if she ever needed to make a deposit when we were closed to use the night drop, those funds are processed differentlyI did explain there was a sign on the ATM that explains FNB holds [redacted] I have attached our Funds Availability [redacted] I have also explained if a customer has monthly payees that debit there account those companies could hold the funds the day prior to the withdraw.I have not given Mrs [redacted] any fee's back.Jessy Mc [redacted]
Please accept this letter in response to the complaint you filed with the Revdex.com on April13, The purpose of this communication is to address the issues cited in your complaint regardingthe same-as-cash (SAC) option and interest charges on your account with Regency Finance Company(RFC).Upon researching payment history on your account, we did not receive the minimum monthly paymentof $on your account covering the February 3, and March 3, statement periodsThereis a 10-day grace period, which would have extended the expiration through March 11, We did notreceive the next payment until March 15, 2017.The payment received on March 15, would have paid off the account under the SAC optionAs acustomer courtesy, we are willing to accept this as the payoff and re-instate the SAC option on youraccount.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 andour hope that you will consider giving us the opportunity to serve you again in the future.Sincerely,Rick M [redacted] Vice President, Quality Control Manager/Compliance OfficerRegency Finance Company
I sent a screenshot of the proof that I had over dollars in my account & they took a fraudulent overdraft fee of $I went to the bank and they would not fix it so I withdrew $and went to another bank and opened a new accountThis is not the first time this has happened the one-time courtesy that they told you they gave me was another another of the same type of thing
Please accept this letter in response to the complaint you filed with the Revdex.com on April7, 2016, regarding the status of the overdraft fees charged to your account at First National Bank ofPennsylvania (“FNB”)This letter will address the issue cited in your complaint and an
explanation forthe response provided.On March 3, 2016, your ending balance was $To determine your available balance for March 4,2016, we take your ending balance from the prior business day plus or minus any preauthorized debitsor creditsYour available balance to pay items on March 4, 2016, was $From your availablebalance, your account was presented with a debit from First Progress Online Payment for $49.00leaving a negative balance of -$As a result, your account was assessed a $overdraft fee (ODFees) on March 7,As long as your account remains overdrawn it will access a continuous ODFee of $every three business days.Due to the OD Fees referenced in this complaint not being caused by a bank error, no additional refundcan be issued.As a follto this letter, the Branch Manager of the York Crossing location, will call you to furtherdiscuss your overdraft occurrences and how we can help you avoid future OD Fees.Thank you,Kristen M***Vice PresidentMarket Manager
Please accept this Letter in response to the complaint that you filed with the Revdex.com onDecember 9, 2016, regarding the overdraft fees charged to your checking account at First National Bankof Pennsylvania (FNB).On Friday December 2, 2016, the ending balance in your checking account
ending in *** was $138.77.To determine your available balance for December 5, 2016, we take your ending balance from the priorbusiness day plus or minus any preauthorized debits or available creditsFrom your available balanceyour account was presented with two items totaling $which posted to your account leaving anegative balance of $-The overdraft fees charged to your account on December 6, 2016, of$were caused by the following transaction amounts; $and $25.00.A continuous overdraft fee for $was charged to the account on December 8, as the accountremained negative for three consecutive days.As a one-time courtesy, on January 6, 2017, we refunded the overdraft fees assessed on December 6,2016, of $and December 8, 2016, of $12.00.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.Charles B***Vice President and Market ManagerFirst National Bank of Pennsylvania
March 8, 2018*** *** *** *** *** ***
*** ** ***Revdex.com Case# ***Dear MsT***,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on February 27, 2018, regarding overdraft fees (OD Fees) and
continuous overdraft fees (COD Fees) on your checking account at First National Bank of Pennsylvania (FNB).On February 27, 2018, you spoke with a Personal Banking Representative (PBR) from the Greenville Red Banks Office via telephoneDuring the conversation you indicated concern regarding the negative balance in your checking account due to OD Fees and COD FeesThe PBR advised you of options to help avoid OD and COD Fees in the future, such as establishing a line of credit for overdraft protectionYou indicated you were satisfied with this discussion and expressed interest in opening a small business account for your child care serviceYou also made a deposit to bring your account to a positive balance.As a follto that conversation, Glenn M***, Branch Manager of the Greenville Red Banks Office, contacted you via telephone on February 27, You indicated that you would call MrM*** at a more convenient time.On February 28, 2018,left you a voicemail message to follregarding your concerns about your checking accountAs of the date of this letter, no return calls have been receivedPlease contact me at *** at your earliest convenience with any questions or concerns.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.Karyl R*** Market Manager Eastern North Carolina Region First National Bank
Please accept this letter in response to the complaint you filed with the Revdex.com on June30, 2016, regarding the overdraft fees (OD Fees) charged to your account at First National Bank ofPennsylvania (“FNB”).On June 7, 2016, you opened a Freestyle Checking account online, with an
initial deposit of $50.00.On June 21, your ending balance in your checking account ending in was $On June22, 2016, your account was debited $for the *** *** Check Order, this left your accountwith a negative balance of $This caused the $OD Fee that was assessed to your account onJune 23, Your account remained overdrawn and was assessed two continuous OD Fees ($12.00each) on June 24, and June 29, On June 30, 2016, after a discussion with you, it wasdetermined that a Mystyle Checking account would better fit your banking needsWith this account,the first order of Colonial Classic Checks are freeSince your account was already opened and checkshad been order, as a courtesy, we refunded the $fee for your check order and the OD Fees causedby it on June 30, 2016.If you have any additional questions, please reach out to the Branch Manager at Arsenal Rd ***
***Sincerely,Kristen M***VP/Market Manager
The bank claims I did not have available funds until November which is why they charged me overdraft fee's totaling in dollarsHowever, according to my account statement from the bank, all deposited funds were available on November I was not charged any fees until after on the 10thI have numerous copies of my statement proving this to be true which I can provide
Please accept this letter in response to the complaint you filed with the Revdex.com onDecember 5,2016, regarding the status o f your checking account at First National Bank ofPennsylvania (FNB).On November 18,2016, your ending balance in your checking account ending in [redacted] was $132.93.To determine your available balance for November 19,2016, we take your ending balance from theprior business day plus or minus any preauthorized debits or available creditsYour available balanceto pay items on November 19, 2016, was $(preauthorized debit $10.06)From your availablebalance your account was presented with five items totaling $which posted to your accountleaving a negative balance o f $The overdraft fees (OD Fees) charged to your account onNovember 22, 2016, of $were caused by the following transaction amounts: $56.37, $33.00,$and $The preauthorized debit of $referenced above never dropped off andnegatively impacted your available balanceThe actual balance to pay items on November 19, 2016,should have been $not $Due to this error, your account was assessed an OD Fee for the$Target transactionThe OD Fee charged to your account on November 22,2016, should havebeen $and not $On December 6, 2016, a refund o f $37,was credited to yourchecking account ending in ***.On November 19, 2016, you deposited a $check into an FNB automated teller machine (ATM).Per FNB’s funds availability policy, this deposit was considered received on the next business day,which was Monday, November 21,2016, and available to pay items on Tuesday, November 22,2016.We hope this response to your complaint meets your satisfactionWhile this communication isintended to present the facts o f the situation, we would also like to express our appreciation for yourbusiness.Sincerely,Alison [redacted] S [redacted] Market Manager and Vice PresidentFirst National Bank of Pennsylvania
Thank you for taking the time to notify us of your unsatisfactory experience with your MortgageApplication processAgain, we apologize for any inconvenience this may have causedThisletter confirms resolution of the issue and the steps taken as part o f the process.After reviewing the file, it appears that there was a delay between your written request for yourappraisal to be transferred to your new lender and our completion of that transferThis delaywas caused by a miscommunication in regard to your new lender’s FHA IDWithout the correctID for this lender, we were unable to complete your request.We have sent you the last version o f your appraisal for your new lender to use and havecompleted the necessary transfers with FHA.We value your business and thank you for bringing your experience to our attentionWe alwaysappreciate your feedbackIf you need further assistance, you may contact me at ###-###-####.Thank you, [redacted] **Regional Sales Manager
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com:this has been taken care of forgot about this complaint the bank did take care of it thank you I have reviewed the response made by the business in reference to complaint ID 11539535, and find that this resolution is satisfactory to me Regards, Veronica Irons
Revdex.com Case# [redacted] Dear MrF
*,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on March 8, 2018, regarding your charged-off checking account at First National Bank of Pennsylvania (FNB).On July 5, 2016, Angela P***, Assistant Branch Manager of the Grandview Office, sent you the enclosed email notifying you of your account status, which included the current printed statement (enclosed for reference)MsP [redacted] advised you that your account had maintained a negative balance for daysYou responded that there were some transactions you did not recognize and would rectify the situation immediatelyYou also requested that your debit card be closed and requested a new oneMsP [redacted] advised you that while your debit card could be closed, a new card could not be ordered due to the negative balance of your checking account There is no evidence of a discussion regarding a dispute of the unrecognized transactions or a refund of any overdraft feesFurther, FNB has no record that you contacted us to dispute the transactions or request an overdraft fee refund on or around the date of the email correspondence mentioned above.On August 9, 2016, your checking account was charged-off after maintaining a negative balance for more than forty-five daysOn August 10, 2016, your account was sent to AAS Debt Recovery Incorporated (AAS) for collection.On February 20, 2018, you called MsP [redacted] via telephone regarding your charged-off checking accountMsP [redacted] advised you that the account had been sent to AAS for collection and provided their phone number, [redacted] , for contactOn February 22, 2018, you called MsP***, stating that AAS advised you to contact FNB regarding the charged-off accountDuring that conversation, you advised MsP [redacted] that you felt that your checking account was charged-off due to unauthorized charges and believed you had requested a refund for the charges in July of MsP [redacted] explained that FNB's policy is to advise our customers to file a dispute for unauthorized charges, that we occasionally ask that a police report be filed, and that at the time, you did not request a dispute or refund of overdraft feesAs of the date of this letter, no dispute has been filed for the suspected unauthorized charges, nor has any request to refund overdraft fees been received.On March 16, 2018, your charged-off checking account was re-evaluated by FNB's Deposit Operations Department, per your requestIt was determined that due to the amount of the collection, which is under $10.00, FNB would remove your checking account from collections with AAS and from ChexSystemsPlease accept this letter as a confirmation that your charged-off checking account has been removed from all collection activity with AAS and ChexSystems as of March 16, 2018.This communication is intended to present the facts of the situation and we hope this response to your complaint meets your satisfaction.Sincerely,Alison S [redacted] Market Manager Northwest Region First National Bank
We have received a copy of your communication from the Revdex.comregarding the status of your account number ending in ***.Upon reviewing your account, we have found the following:On May 9, you were notified by email from our Customer Service area that youneeded to completed steps to insure functionality for your mobile device tied to your FirstNational Bank accountsYou responded the same day that you understood what neededcompletedOn May 12, you used your mobile banking device to review allaccounts that you hold with First National Bank including pending transactions.On May 13, a bill payment item payable to [redacted] for $was presented forpayment and at 9:pm on the same day a transfer was created from checking accountending in ***Since the transfer was not initiated until after the Bank’s cut off time of8:pmThis is why your account incurred an overdraft fee.As a courtesy to you, on May 20, refunds totaling $were generated for youraccount to take the balance to zero.Thank you for taking the time to share this valuable information.Nicholas [redacted] L [redacted]
We have received a copy of your communication from the RevDex.com regarding the statusof your account number ending in 3137.Upon reviewing your account, we have found the following:On October 2, 2015, the balance in your account ending in 3137 was $696.30, on this same day a $300ATM... withdraw occurred along with a Well Fargo debit for $640.18, this left the account with a negativebalance of -243.88. The ATM gave you a positive balance because the $640.18 debit had not clearedyour account yet. We recommend keeping track of your account activity with a check register. I haveincluded the Deposit Account Agreement for First National Bank and a Checking Account Register foryour convenience.Although this was not a bank error, as a courtesy, we have credited your account for the amount of theOverdraft Fee ($37).Have you considered, attaching a savings account to your checking account or applying for our QuickCash Account as a cash reserve, if you qualify, this may prevent future overdrafts from occurring.If you have any questions, please do not hesitate to call me at ###-###-####.Sincerely,Assistant Branch Manager
To all they have not told the truth and honestyThe first problem was when First National Bank took over Metro they sent out a payment through the bill pay dated not to go out on April 1,and they sent it out on February 1,and charge me overdraft fee and it was their fault and dud not fix it, then being they sent the bill pay out to early and charge me fee of and then being the account was overdraw they then charge me a feeThis bank know my Military check does not go into the bank tiil the 1st and I never scehdule any payment till the forst or after.By thime it was over and done with all the fees my accout was negative $for all their fees and which is outragesThey sent me emails through their site that they sent out letter and their booklet oabout them and all the fees.And as we stanfd now with all their fees they have my account at negative $I need someone to go in and check out things cause I refuse to to apy these outrages feesAnd when I called to talk to te manager the excuse was that she was not there and she was the only mamager trying to run three banks till they get new managers.I get $amonth in my pension and I have money to pay everything but the way they did anddiong things with all their outrages fees no one can afford.And when I called and ask to stop payments on theingsor for them to close my account they claim they cannot do either.So with all this I hoping someone investigate this and a;ll the outrages fees they are charging.I have never in my life had trouble with a bank till now.The first National Bank here in Harrisbyrg, Pa is the worst bank in with all their putrages fees.I legelly do not know how they are allow to charge fees like overdrafts in one draw and and in another draw.I am apply to this being I haoping someone is out there to help the customer or citizen instead allowing these banks and company to proceed in charging out rages fees!Sincerely and Thankyou
Please accept this letter in response to the complaint that you filed with the Revdex.com on January 6, Your complaint is in regard to the automatic payment withdrawals from your checking account for your loan at Regency Finance Company ("RFC") on your account ending in *** During a review of your account, we did not locate prior written or oral notifications from you requesting that RFC not process phone payments from your checking accountRFC will respectfully adhere to your requestEnclosed is a copy of the payment history regarding this account for your referenceIn speaking with the manager of the office, he confirmed he spoke to you and conveyed the same information to youRFC will no longer process funds from the checking account per your requestShould you need any additional information, please contact Robert K***, Regional Manager, at ###-###-####You may also contact me at the number listed in my signature lineWe 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 businessSincerely, Rick M [redacted] Vice President, Quality Control Manager/Compliance Officer Regency Finance Company ###-###-####
Please accept this letter in response to the complaint that you filed with the RevDex.com (Revdex.com) on May 16, 2017, regarding a returned item fee and overdraft fees (OD Fees) on your checking account ending [redacted] with First National Bank of Pennsylvania (FNB).On June 23, 2017, your ending balance was $To determine your available balance for June 24,2017, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available creditsNo transactions were presented to your account ending [redacted] on June 24,2017, and June 25, Your available balance to pay items on June 26,2017, was $From your available balance your account was presented with nine items totaling $1288.12, which posted to your account leaving a negative balance of $The overdraft fees (OD Fees) charged to your account ending [redacted] on June 27, 2017, of $was caused by the following transaction amounts: $and $The returned item fee of $charged to your account on June 27, 2017, was caused by the following transaction amount: $98.26.On Saturday, June 24,2017, you made a deposit of $cash via automatic teller machine (ATM).Per the deposit agreement, provided to you at account opening and enclosed for reference, that deposit was made available the first business day after the deposit, Tuesday, June 27, 2017.You were refunded a total of $in continuous overdraft fees and overdraft fees in On June 29, FNB issued you a final, one-time courtesy refund of OD fee, totaling $Due to the OD fees and returned item fee referenced in this complaint not being caused by a bank error, no additional refund can be issued.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.Market Manager, Pittsburgh Region First National Bank
October 14,2016Case Number: [redacted] Dear Ms [redacted] ,Please accept this letter in response to the complaint you filed with the Revdex.com onOctober 5, 2016, regarding your checking account at First National Bank of Pennsylvania (FNB).On October 6, 2016, you called the call center regarding the $PayPal transaction that postedto your account ending in on October 3, This transaction overdrew your account,which caused the $overdraft fee (OD Fee) on October 4, 2016, and the $ContinuousOD Fee on October 5, The agent advised that you could dispute the transaction, if you feltthe transaction was unauthorized, but your response was that you authorized the transaction andthere was nothing to disputeIn your complaint, you indicated that the $PayPal transactionwas unauthorized, action was taken, and our Uniontown Branch has been trying to reach you togather additional information.Our records indicate that your account does have overdraft services but is opted out of RegulationE, which does not authorize FNB to pay overdrafts on ATM transactions and everyday debit cardtransactionsHowever, checks and automated clearing house debit transactions made using yourchecking account number while your account is in an opt-out status can overdraw your accountand cause OD FeesThis is why your account was assessed an OD Fee for the PayPaltransaction.During the call the agent also informed you that you would not be able to close your account untilyour account was brought to a positive balance.Hopefully I have addressed your questions and concerns, but if you would like to discuss ouronline services further, please contact me at ###-###-####.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 foryour business.Sincerely,Barbara G***VP Customer Service ManagerFirst National Bank of Pennsylvania
It was a pleasure speaking with you todayPlease accept this letter in response to the complaint you filedwith the Revdex.com on April 23, 2016, regarding the overdraft fees assessed to your accountwith First National Bank of Pennsylvania (“FNB”)This letter will address the issues cited in yourcomplaint and an explanation for the response provided.FNB determined that after your deposit on March 19, 2016, you came in to close your checkingaccount ending in [redacted] but due to a coding error that did not occurThis enabled a debit from [redacted] for $to post to your account on April 15, 2016, which caused a $overdraft fee (OD Fee) andthree days later a $continuous OD Fee was also chargedOn April 22, 2016, the $OD Fee and$continuous OD Fee was refunded which left your account overdrawn $On April 22, 2016and April 27, a $continuous OD Fee was assessedDue to the bank error, we have creditedyou the $ [redacted] fee as well as the two continuous OD Fees ($24)The account has been closedand you should have no further issues.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 *D***Vice PresidentMarket ManagerFirst National Bank
Dear Ms [redacted] Please accept this letter in response to the complaint you tiled with the Revdex.com onOctober 13, 2016, regarding a missing check for $from your deposit made on October 7, atFirst National Bank of Pennsylvania (FNB).We apologize that your deposit was mishandled, which caused a $debit correction to youraccount on October 7, Per your conversation with the Manager at Hampden Center on October24, 2016, your account ending in was credited $35.00.If you additional questions or concerns, please reach out the Hampden Center’s branch manager at [redacted] .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.Sincerely,Kristen M [redacted] Vice President and Market ManagerFirst National Bank o f Pennsylvania
I have spoken to Mrs [redacted] twice, once when I first came to the dundalk office in December and again on Monday June 29th [redacted] Attached you will find FNB Funds Availability and Mrs [redacted] 's account statements for the last few months.When she came into the branch in December she had NSF's on her account, she told me she opted out when we merged so that her debit card would be declined if the funds were not available in her accountI tried to explain how the fees ended up on her account, when the card was swiped the funds were in the account some transactions take longer to clear then others, so when the transactions tried to post the account the funds were no longer thereFor example there were checks that had cleared after the card was swipedMrs [redacted] then told me she was closing all of her accounts because this was fraudI apologized for this happening to her, again trying to explain why this had happened.I tried to explain to her that FNB does not clear on uncollected items like BCSB use toI tried to explain options that FNB offers.Mrs [redacted] came in on Monday about her NSF's feesI have attached her statements for the last few months, to show her account historyI explained to Mrs [redacted] that when deposits are made at the ATM the funds are not available immediately, it can take up to hours from when the deposit is madeI told her if she ever needed to make a deposit when we were closed to use the night drop, those funds are processed differentlyI did explain there was a sign on the ATM that explains FNB holds [redacted] I have attached our Funds Availability [redacted] I have also explained if a customer has monthly payees that debit there account those companies could hold the funds the day prior to the withdraw.I have not given Mrs [redacted] any fee's back.Jessy Mc [redacted]
Please accept this letter in response to the complaint you filed with the Revdex.com on April13, The purpose of this communication is to address the issues cited in your complaint regardingthe same-as-cash (SAC) option and interest charges on your account with Regency Finance Company(RFC).Upon researching payment history on your account, we did not receive the minimum monthly paymentof $on your account covering the February 3, and March 3, statement periodsThereis a 10-day grace period, which would have extended the expiration through March 11, We did notreceive the next payment until March 15, 2017.The payment received on March 15, would have paid off the account under the SAC optionAs acustomer courtesy, we are willing to accept this as the payoff and re-instate the SAC option on youraccount.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 andour hope that you will consider giving us the opportunity to serve you again in the future.Sincerely,Rick M [redacted] Vice President, Quality Control Manager/Compliance OfficerRegency Finance Company
I sent a screenshot of the proof that I had over dollars in my account & they took a fraudulent overdraft fee of $I went to the bank and they would not fix it so I withdrew $and went to another bank and opened a new accountThis is not the first time this has happened the one-time courtesy that they told you they gave me was another another of the same type of thing
Please accept this letter in response to the complaint you filed with the Revdex.com on April7, 2016, regarding the status of the overdraft fees charged to your account at First National Bank ofPennsylvania (“FNB”)This letter will address the issue cited in your complaint and an
explanation forthe response provided.On March 3, 2016, your ending balance was $To determine your available balance for March 4,2016, we take your ending balance from the prior business day plus or minus any preauthorized debitsor creditsYour available balance to pay items on March 4, 2016, was $From your availablebalance, your account was presented with a debit from First Progress Online Payment for $49.00leaving a negative balance of -$As a result, your account was assessed a $overdraft fee (ODFees) on March 7,As long as your account remains overdrawn it will access a continuous ODFee of $every three business days.Due to the OD Fees referenced in this complaint not being caused by a bank error, no additional refundcan be issued.As a follto this letter, the Branch Manager of the York Crossing location, will call you to furtherdiscuss your overdraft occurrences and how we can help you avoid future OD Fees.Thank you,Kristen M***Vice PresidentMarket Manager
Please accept this Letter in response to the complaint that you filed with the Revdex.com onDecember 9, 2016, regarding the overdraft fees charged to your checking account at First National Bankof Pennsylvania (FNB).On Friday December 2, 2016, the ending balance in your checking account
ending in *** was $138.77.To determine your available balance for December 5, 2016, we take your ending balance from the priorbusiness day plus or minus any preauthorized debits or available creditsFrom your available balanceyour account was presented with two items totaling $which posted to your account leaving anegative balance of $-The overdraft fees charged to your account on December 6, 2016, of$were caused by the following transaction amounts; $and $25.00.A continuous overdraft fee for $was charged to the account on December 8, as the accountremained negative for three consecutive days.As a one-time courtesy, on January 6, 2017, we refunded the overdraft fees assessed on December 6,2016, of $and December 8, 2016, of $12.00.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.Charles B***Vice President and Market ManagerFirst National Bank of Pennsylvania
March 8, 2018*** *** *** *** *** ***
*** ** ***Revdex.com Case# ***Dear MsT***,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on February 27, 2018, regarding overdraft fees (OD Fees) and
continuous overdraft fees (COD Fees) on your checking account at First National Bank of Pennsylvania (FNB).On February 27, 2018, you spoke with a Personal Banking Representative (PBR) from the Greenville Red Banks Office via telephoneDuring the conversation you indicated concern regarding the negative balance in your checking account due to OD Fees and COD FeesThe PBR advised you of options to help avoid OD and COD Fees in the future, such as establishing a line of credit for overdraft protectionYou indicated you were satisfied with this discussion and expressed interest in opening a small business account for your child care serviceYou also made a deposit to bring your account to a positive balance.As a follto that conversation, Glenn M***, Branch Manager of the Greenville Red Banks Office, contacted you via telephone on February 27, You indicated that you would call MrM*** at a more convenient time.On February 28, 2018,left you a voicemail message to follregarding your concerns about your checking accountAs of the date of this letter, no return calls have been receivedPlease contact me at *** at your earliest convenience with any questions or concerns.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.Karyl R*** Market Manager Eastern North Carolina Region First National Bank
Please accept this letter in response to the complaint you filed with the Revdex.com on June30, 2016, regarding the overdraft fees (OD Fees) charged to your account at First National Bank ofPennsylvania (“FNB”).On June 7, 2016, you opened a Freestyle Checking account online, with an
initial deposit of $50.00.On June 21, your ending balance in your checking account ending in was $On June22, 2016, your account was debited $for the *** *** Check Order, this left your accountwith a negative balance of $This caused the $OD Fee that was assessed to your account onJune 23, Your account remained overdrawn and was assessed two continuous OD Fees ($12.00each) on June 24, and June 29, On June 30, 2016, after a discussion with you, it wasdetermined that a Mystyle Checking account would better fit your banking needsWith this account,the first order of Colonial Classic Checks are freeSince your account was already opened and checkshad been order, as a courtesy, we refunded the $fee for your check order and the OD Fees causedby it on June 30, 2016.If you have any additional questions, please reach out to the Branch Manager at Arsenal Rd ***
***Sincerely,Kristen M***VP/Market Manager