Please accept this letter in response to the complaint you filed with the Consumer FinancialProtection Bureau on July 1, 2016, regarding your savings account at First National Bank ofPennsylvania ("FNB").Prior to the merger, all Fifth Third Bank customers were mailed a Welcome Booklet
(enclosed)which included full disclosure of the $monthly account service charge and FNB's dormantaccount policyMailing of the Welcome Booklet was completed on March 14, 2016.The Welcome Booklet serves as the required legal notification of changes to your account(s)Onpage six of the Welcome Booklet, a chart lists Fifth Third Bank saving account types and thecorresponding First National Bank savings account typesThe chart also provides an overview ofthe account, minimum balance requirements to avoid a monthly service charge, amount ofmonthly service charge, as well as other account benefitsAs noted on the bottom of the chart,"Checking and saving accounts are considered dormant after months of no activity and willbe assessed a dormant feePlease refer to the Important Account Information disclosures forthe current fee schedule/' The Important Account Information disclosure and fee schedule wasalso mailed with the Welcome Booklet.As a courtesy, FNB will refund the $Dormant Account Fee and $Service Charge.Please see the enclosed check for $14.00.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 and our hope that you will give us the opportunity to serve your banking needsagain in the future
August 8, 2017*** * *** ** *** *** *** ** ***Revdex.com Case #: ***Dear Mr***,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on July 27, 2017, regarding overdraft fees (OD Fees) on your checking
account ending *** with First National Bank of Pennsylvania (FNB).On July 20, 2017, your ending balance was $To determine your available balance for July 21, 2017, 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 July 21, 2017, was $A deposit was transferred from your savings account ending *** in the amount of $100.00, leaving the available balance at $From your available balance your account was presented with thirteen items totaling $602.65, which posted to your account leaving a negative balance of $The overdraft fees (OD Fees) charged to your account ending *** on July 24, 2017, totaling $were caused by the following transaction amounts: $100.00; $100.00; $40.00; $20.00; $15.55; $8.99; $4.99; $2.67.On July 21, 2017, an overdraft protection transfer was made from savings account ending *** to your checking account ending *** in the amount of $and a $overdraft protection fee was charged per the deposit account agreement and personal fee schedule provided to you at account opening and enclosed for reference.On July 21, 2017, your ending balance was $To determine your available balance for July 2017, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available creditsNo transactions posted to your account on July 23, Your available balance to pay items on July 24, 2017, was $From your available balance your account was presented with eight items totaling $413.90, which posted to your account leaving a negative balance of $The overdraft fees (OD Fees) charged to your account ending *** on July 25, 2017, totaling $were caused by the following transaction amounts: $115.62; $101.92; $100.78; $29.16; $28.60; $15.57; $and $8.75.On August 3, 2017, I spoke with you via telephone regarding the OD FeesIt was determined that a refund of OD Fees in the amount of $to your account was appropriate as you were not provided with accurate information from the branchYou 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,Rick C***Market Manager, Pittsburgh Region First National Bank
April 17, 2018*** *** *** *** *** *** ***
*** *** ** ***Revdex.com Case# ***Dear Mr***,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on April 4, 2018, regarding online banking for
your checking account with First National Bank of Pennsylvania (FNB).On April 3, 2018, you contacted FNB's Customer Service Center via telephone to discuss a lissue with online bankingThe customer service representatives (CSR) you spoke with were unable to verify your identity and you discontinued the call, therefore we were unable to assess the possible issue and assist with a resolution.On April 5, 2018, you contacted FNB's customer Service Center via telephone again to discuss lissues with online banking and spoke with Call Center Supervisor Charlene H***MsH*** was unable to verify your identity; therefore, she was unable to assess the possible issue and assist with a resolutionYou contacted Jeremy K***, Personal Banking Representative (PBR) at the Macedonia Office, via telephone to assist you with your requestMrK*** contacted the Customer Service Center on your behalf and explained that you wished to view both your trust checking account and a checking account which you are guardian on via online banking and were requesting the ability to transfer funds between these two accountsThe Customer Service Center CSR added both accounts to your online banking profile, to allow you to view and manage each account onlineThe CSR incorrectly advised MrK*** that FNB was unable to allow transfers between the guardian account and trust accountMrK*** advised you that both accounts were now viewable in online banking and that you would be unable to transfer between the accountsWe apologize for any inconvenience this may have causedOn April 16, 2018, Eric C*** from FNB Internet Support contacted you via telephone to assist you with the online banking lissue and transferring funds between your accounts onlineMrC*** worked with you to assess the issue with logging on to online banking and advised you that you were not blocked or locked outHe provided a resolution for the known browser certificate issue you experienced and you were able to log in to online banking successfullyOnce you logged in to online banking, MrC*** guided you through two transfers between your trust and guardian accountsYou indicated that you understood that the known browser certificate issue was not a security issue, and that you were comfortable with the online banking lprocess and howto transfer funds between your accounts.We hope this response to your complaint meets your satisfactionThis communication is intended to present the facts of the situation, and to serve your financial needs.Sincerely,Todd H***Regional Banking Executive Cleveland Region First National Bank
Please accept this letter in response to the complaint you filed with the Consumer Financial ProtectionBureau on November 4,2016, regarding your mortgage loan application at First National Bank ofPennsylvania (FNB).On September 9, 2016, you applied for a conventional mortgage loan to facilitate the
purchase o f aprimary residenceAs you indicated in your complaint, self-employment for less than two years wouldnot qualify you for a saleable loan to Fannie Mae or Freddie Mac; however, FNB does have the option toretain the loan servicing if an applicant qualifies and has been self-employed for more than one yearAtthe time o f your application, you indicated that you had been self-employed for one yearIt was laterdetermined that the business you owned had only been incorporated for six months, and would, therefore,not be able to provide the required financial documentationPlease refer to the enclosed adverse actionnotice dated September 30,2016, regarding FNB’s decision to decline your loan application.We hope this response to your complaint meets your satisfaction.Mick R***SVP, Manager o f Mortgage OperationsFirst National Bank o f Pennsylvania
Please accept this letter in response to the complaint you filed with the Revdex.com on October 27, 2016, regarding your loan experience with the Regency Finance Company office (RFC) in *** *** Office.At the time of your purchase, you signed a Same As Cash (SAC) Addendum,
acknowledging the SAC stipulation that "If you fail to make any payment, on or before its due date or if you do not pay the balance in full within the time specified, we will assess Finance Charges from the date of the Security Agreement"This agreement was signed and dated by you on October 8, According to our records we confirmed the purchase and terms with you as well.On April 29, 2016, you contacted our office and asked them to email you the SAC information.According to the attached email, we gave you the payoff figure as of that date, reminded you of date it must be paid in full by (10/8/16) and offered payment options for your reviewIn additional the office put in writing your payoff and expiration date, in order for you not to miss the SAC payoff date.The RFC representatives handled your account in the appropriate manner, explained the terms of your account and provided you with the opportunity to pay on your SAC balance within the two years as designated in the terms of the agreement and addendum.If you need any additional information, feel free to contact the regional manager at ###-###-#### or myself at the numbers listed belowWe 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
December 27, *** *** *** ** *** ***
*** *** ***Revdex.com Case : ***Dear Ms***,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on December 13, 2017, regarding disputes on your debit card
with First National Bank of Pennsylvania (FNB).On August 18, 2017, you visited the Muhlenberg branch to report unauthorized transactions on your FNB debit cardAt that time, you were incorrectly informed that a police report was required in order to file a dispute with FNB.On August 21, 2017, you returned to the Muhlenberg branch with the police report and submitted two disputes and two affidavits for unauthorized transactions on your stolen debit card (enclosed for reference)The transactions listed on the dispute did not include all of the charges related to the theft of your debit cardAs such, it appeared that there were authorized transactions performed with your debit card after you reported it stolenBased on this, the dispute claim was denied and the enclosed denial letter was sent to you on August 28, 2017.On August 31, 2017, you returned to the Muhlenberg branch to inquire about the denied dispute claimsAt that time, the branch informed you that the disputes had not been filed with all of the unauthorized transactions includedA new dispute was filed, which included all of the unauthorized transactions from your stolen debit cardThis dispute was incorrectly considered a duplicate and not processed.On December 7, 2017, you called the Muhlenberg branch to inquire about the dispute filed on August 31, The branch instructed you to contact FNB Card Services, provided you with the telephone number and you called FNB Card Services at *** to receive an updateAt that time, FNB Card Services reviewed your dispute from August 31, 2017, and discovered that the dispute was not a duplicateOn December 8, 2017, a reassertion of your dispute was processed, you were issued a permanent credit of $1,to your checking account and the enclosed decision letters were mailed to you.On December 13, 2017, FNB received your complaint filed with the Revdex.com and preformed a final review of your dispute from August 31, An additional $in fees were discovered and a permanent credit for $was applied to your checking account.We apologize for any inconvenience 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,Sandy W***Vice President, Market Manager Capital Region First National Bank
Please accept this letter in response to the complaint that was filed with the Revdex.com onJune 10, 2016, regarding Regency Finance Company's collection efforts on her account ending in ***.Due to privacy concerns, we have contacted the consumer directly to attempt to satisfactorily
resolvethe complaint.A response letter has been sent to the customer addressing her concerns, as well as, a follow up phonecontact to attempt resolution.If you need any additional information, feel free to contact us at the below numbers.Sincerely,Rick M***Vice President, Quality Control Manager/Compliance Officer
The response I received from Kristen M***, Vice President of FNB, is nothing more than a reaccountment of the information I submitted to the Revdex.com in my original complaintIt is a summary of my bank statement, which I am more than capable of reading and understanding without the assistance of MsM***. Due to the fact that the OD resulted from a payment made to NetFlix, I contacted Netflix and verified that they do not request payment from an account that does not have sufficient funds, they simply discontinue the service until the account is paid; the same policy as my StraightTalk phone service, which was not deducted from my FNB account and was disconnected as expectedWith that said, I do see this as an error on the part of FNB. In regards to the one sentence in her response that touched on the premise of my complaint, MsM*** states that "Due to the OD Fees referenced in this complaint not being caused by a bank error, no refund CAN be issued"Really?? As Vice President, I find it very difficult to believe that she is incapable of granting a refund of the $in OD fees I incurred over a $deficiency, especially in light of the fact that patrons who originally banked with Metro Bank, such as myself, were still adjusting to the new policies implemented with the FNB takeover of Metro BankIt's appalling that this institution and its employees are of such low moral standard that they can not comprehend the injustice of the penalty in relation to the 'mistake'Is FNB so greedy that they allow 'policy' to outweigh good customer service and decency? Do they not possess the common sense that their rigidness will not only lead to discontentment among their current patrons but will also cause a ripple effect that will possibly deter potential patrons from choosing to bank with FNB? I will assure both the Revdex.com and FNB that if this issue is not resolved to my satisfaction I will contact the Attorney General and anyone else within a public office that I believe will assist me in appropriately satisfying the complaintI will also voice MY experience with anyone and everyone that will listen through every means available to me. Lastly, adding insult to injury, MsM*** did not even take the time to review her response and addressed it as "Dear Mr***"I suggest that MsM*** brush up on her proof reading skills in addition to her customer service practices.
Regards,
*** ***
April 5, 2018*** *** * *** *** *** *** *** *** ** ***Revdex.com Case# ***Dear Mr***,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on March 23, 2018, regarding fraud protection on your debit
card at First National Bank of Pennsylvania (FNB).FNB provides protection from possible fraudulent debit card activities, including transactions from locations or merchants known for fraud and transactions out of character for our customers, to limit losses for our customers and for the bankThis fraud protection is automatically included with every debit card issued at FNB.On March 23, 2018, you called FNB Customer Service Center at *** to discuss the permanent removal of fraud protection from your debit cardDuring that conversation, the personal banking representative (PBR) advised you that the fraud protection on your debit card could not be removed permanently; however, FNB could temporarily disable fraud protection to allow authorized transactions to be processedThe PBR further explained that FNB could extend the disabled fraud protection for up to six monthsYou expressed your dissatisfaction with this solution and ended the phone call.Please be advised that if you are not incurring fraudulent charges on your debit card, FNB can periodically review your account and debit card to extend the disabled fraud protectionAs a follto this letter, I will contact you via telephone no later than April 11, 2018, to discuss fraud protection on your debit cardIn the meantime, please call me at *** 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.Pittsburgh Region First National Bank
Dear Ms, *** Please accept this letter in response to the complaint you filed with the Revdex.com on February 24, in regard to returned item fees and stop payment fees on your checking account at First National Bank of Pennsylvania (“FNB”), Upon opening your account on February
11, 2016, you chose to opt out of overdraft servicesOn November 22,2016, you contacted FNB Customer Service regarding returned item fees on your checking accountThe account transactions and FNB’s refund policy were discussed with you at that timeOn November 30, 2016, T*** Office Branch, Manager Lynda L***, contacted you to discuss returned item fee refunds in response to that callAt that time you were advised you that you are able to change your election of being opted in for FNB to pay debit card transactions when there are insufficient funds in the account to opt outAfter this call, on January 14, 2017, you changed your election to opt out of overdraft services for debit card transactionsAll charges incurred were returned item fees and resulted from your election to opt out of FNB providing overdraft services for the account and for debit transactions when there are insufficient funds in your accountAll items presented when insufficient funds exist in the account to pay an item will result in a charge of $per item, whether it is paid or returned, regardless of whether you opt in or out of overdraft servicesItems were returned unpaid and a $returned item fee charged, per your requests to opt out (and outlined in the Personal Account Fee Schedule) as follows: December 7, for transaction amounts: $39.04; $27.00; $Total of $returned item feesDecember 9, for transaction amount: $Total of $returned item feesDecember 14, for transaction amounts: $46.65; $39.04; $19.06; $14.99; $Total of $returned item feesDecember 21,for transaction amounts: $46.65; $14.99; $Total of $returned item feesJanuary 4, for transaction amount: $Total of $returned item feesFebruary 22, for transaction amount $Total of $returned item fees(A copy of each notification is included for your reference.) On December 15, 2016, you contacted branch teller, Carie Gephardt, requesting to place your account “on hold” for a monthMsGephardt advised you that it is not possible to place a checking account “on hold.” On December 28, 2016, you placed a stop payment for the payee “all payments” for the amount of $ 1,for check number in Online BankingFNB requires you to view and accept the stop payment disclosures, which clearly state the $fee per request and that online stop payments are for a single check or a range of checks from your checkbookIt is also disclosed that electronic payments, debit card transactions, checks by phone, ACH payments and transfers and other electronic transaction stop payments are supported by Customer Service at 1-800-555-No transaction for check number 1, in the amount of $to a payee named “all payments” was attempted on your checking account as of March 1, Please find enclosed the Deposit Account Agreement and the Personal Account Fee Schedule, disclosed to and accepted by you at account openingWhile these processes were disclosed to and accepted by you, First National Bank will, as a courtesy, issue you a one-time fee refund of $to your checking accountLynda L*** T*** Branch Manager First National Bank 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
Please accept this letter in response to the complaint you filed with the Office of the BetterBusiness Bureau on May 4, regarding the status of your checking account at First NationalBank of Pennsylvania (FNB)This letter will address the issue cited in your complaint and anexplanation for the
response provided.On April your ending balance in your account number ending in was $On Aprilyour account was presented with Point of Sate (POS) transactions of $33.10, $22.72, and$Also presented to your account was an ATM withdrawal of $500.00, We post itemspresented to your account from the highest to the lowest resulting in the $ATMwithdrawal being the first item presented to your account on April and remaining POStransactions to be posted after from highest to lowestThis caused your account to receive 4NSF fees totaling $on April 19.As a one-time courtesy we will refund overdraft fees in the amount of $for the Pointof Sale transactionsPlease keep in mind we pay items presented to your account from highestto lowest each day.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 and our hope that you will consider giving us the opportunity to serve you againin the future
Dear
Mr***,Please accept this
letter in response to the complaint you filed with the Revdex.com
on July 18, 2016, regarding the status of the overdraft fees (OD Fees) charged
to your account at First National Bank of Pennsylvania (;;FNB").On June 15, 2016, your ending
balance
in your checking account ending in 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 debits or
available creditsYour available balance to pay items on June 22, 2016, was $From your available balance,
your account was presented with a debit from Netflix for $leaving a
negative balance of $1.85, which you acknowledge in your complaintAs a
result, your account was assessed a $OD Fees on June 23, Your account remained overdrawn and was
assessed a continuous OD Fee of $on June
24, and June 29, A continuous OD Fee
is assessed to an account every three days that an account remains overdrawn
On June 30, 2016, a credit of $
was received which left your account with a negative balance of $Your
account remained overdrawn, and a continuous OD Fee of $was assessed to
your account on July 5, 2016, this reduced your
balance to a negative $On July 7,
2016, a deposit for $was made which brought your account to a positive
balance.Due to the OD Fees referenced in this complaint not being caused by a
bank error, no refund can be issuedAlso, per your request your account was
closed on August 10, 2016.Sincerely,Kristen M*** Vice
President Market Manager
Please accept this letter as a response to the complaint you filed with the Revdex.comThe purpose of this communication is to address the issues cited in your complaint regarding enrollment in the New Start program and settling the overdrawn accountOn October 19, 2016, we sent a
letter stating that your account had been overdrawn for fifty days and the account would be turned in to collections on December 29, if it was not paid in fullUpon your arrival at the local branch, the New Start program was mentioned as a possible solution to help avoid the collection processAt this point however, the collection process had already begun as your file had been sent to the NRA collection agencyI have confirmed that your account will be housed with NRA Collections as of Friday, January 13, In light of your experience in this matter, I will also confirm that your account is at NRA on Friday so that you can make the necessary arrangements to settle what is outstandingNRA will work with you to resolve this matterPlease contact NRA with your account number at ###-###-####Please contact me at the number below with any questions, concerns or if you need additional informationIf I am away from my desk at the time you call, please provide the best phone number and times to reach on my voicemail
Please accept this letter in response to the complaint that you filed with the Revdex.com(Revdex.com) on July 4, 2017, regarding the charge off and collection of your checking account ending *** withFirst National Bank of Pennsylvania (FNB).On March 20, 2017, your ending balance was $To
determine your available balance for March 21,2017, we take your ending balance from the prior business day plus or minus any pre-authorized debitsor available creditsNo transactions were presented to your account ending *** on March 21, 2017through March 26, Your available balance to pay items on March 27, 2017, was $From youravailable balance your account was presented with one item totaling $21.00, which posted to youraccount leaving a negative balance of $No overdraft fee was charged to your accountThe $21.00transaction was returned for non-sufficient funds on March 28, and no returned item fee wascharged to your accountThe enclosed letter, which was sent to you on March 8, 2017, states that theoverdraft and returned items fees will be waived for the first incidence, but that FNB will charge forfuture overdrafts or returned itemsThe $transaction was retried by PayPal on April 3, andreturned for non-sufficient funds on April 4, The returned item fee charged to your accountending *** on April 4, 2017, of $was caused by the following transaction amounts: $Perthe deposit account agreement and personal fee schedule, provided to you at account opening andenclosed for reference, a continuous overdraft fee of $was applied to your account every threedays your account was negative.On April 5, 2017, a continuous overdraft fee of $was assessed to your checking account ending***On April 6, FNB issued you a refund of continuous overdraft fee, totaling $12.00, per thefirst- time overdraft fee letter.The check image service fees of $and the service fees of $charged on Aprii 20, and May19, 2017, were applied to your account per the deposit account agreement and personal fee schedule,provided at account opening and enclosed for reference.Upon research of your checking account ending ***, it was determined that the account was chargedoff and sent to *** *** *** (***)Please contact *** via phone at ###-###-#### toresolve the collection accountWe 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.Sincerely,Nicky C***Market ManagerEastern North Carolina RegionFirst National Bank
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 ###-###-####
Revdex.com ID# Dear Mr***, Please accept this letter in response to the complaint you filed with the Revdex.com on March 28, The purpose of this communication is to address the issues cited in your complaint regarding the same-as-cash (SAC) option and
interest charges on your account with Regency Finance Company (RFC)On March 15, 2017, we sent a copy of the Same as Cash Addendum you signed with the dealer along with a copy of the sales slipThe SAC Addendum you signed acknowledged the SAC stipulation that "If you fail to make any payment on or before its due date or if you do not pay the balance in full within the time specified, we will assess Finance Charges from the date of the Security Agreement." This agreement was signed and dated by you on November 10, Per our records, we verified the purchase with you and explained the SAC program on November 16, Upon researching payment history on your account, we did not receive a payment between the May 5, and June 5, statementsThere is a 10-day grace period, which would have extended the expiration through June, 11, We did not receive the next payment until July 1, Though you made a large payment prior to June 2016, the terms of your SAC plan require you to make the minimum monthly payments each month regardless of whether you made any payments in advanceOn June 13, 2016, RFC contacted you via telephone concerning the payment due on your accountAt that time, you advised us you would submit your payment on June 16, June 13, was the last day to submit your payment and keep the SAC option on your account, which we failed to inform you ofDue to this, RFC issued an interest refund in the amount of $to your account on March 30, 2017, informing you via telephoneWe 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 futureRick M*** Vice President, Quality Control Manager/Compliance Officer Regency Finance Company
Please accept this letter in response to the complaint you filed with the Revdex.com on February 3, regarding the status of your checking account at First National Bank of Pennsylvania (“FNB”)In your letter, you referred to your account statementTo clarify terms, your account
statement provides you with a ledger balance of the transactions on your accountA ledger balance is determined by subtracting the total number of withdrawals and charges from the total number of deposits and credits for a given period of time (your monthly statement cycle)The available balance of your account is the ledger balance, plus or minus any activity during the day such as pending transactions (deposits or withdrawals) from merchants or checks deposited but not yet made available for your use due to funds availabilityFNB’s funds availability policy was provided to you at account opening, is posted in our branches, and is included in this mailingYour banking account statement does not show you the available balanceThe reason for this would be that your balance changes throughout the day depending on how you use your account and when merchants charge items to the bank against your accountWhat follows is a description of your available balance for the timeframes you expressed concern withOn January 23, your ending balance was $To determine your available balance for January 23, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available creditsNo transactions occurred until January 30, and your available balance was $From your available balance your account was presented with two items totaling $16.25, which posted to your account leaving a negative balance of $The overdraft fee (OD Fee) charged to your account on January 31, 2011, of $was caused by the following transaction amounts: $On January 30, a deposit of $was made in the form of a checkFNB’s policy is to make funds from your deposit available to you on the first business day after we receive your depositOnce these funds are available, you can withdraw cash and we will use the funds to pay checks you’ve written or pay other transactions that post to your accountPer FNB’s standard funds availability policy for checks, the deposited amount of $was not available until January 31, The $in cash from the same deposit was available immediately, leaving a negative balance of $Additionally, continuous OD fee of $was assessed on February 2, 2017, leaving a negative balance of $On February 2, the funds availability policy was discussed with you, as well as our policy to only refund OD fees if there is a bank errorThe account has been issued a one-time courtesy refund of $which includes the $OD fee assessed January 31, and the $continuous OD fee assessed February 3, No further refunds will be issued unless there is bank error
The following letter will be sent to Ms*** today.DearMs***:Thank you for taking the time to notify us of your unsatisfactory experience with your Mortgage Construction Loan. Please accept our sincerest apology for any trouble this may have caused you. We value your
feedback.Weare taking every action to make sure that your problem is addressed and that we are able to provide you with an acceptable solutionAs communicated in ourphone conversation of June 10, we will remove the Home Owners Insurance from your monthly escrow payment Your next billing statement will reflect the reduction to your escrow payment.*** ***, one of our Construction Loan Specialists, will be handling the disbursements throughout the construction phase of your new home. She can be reached at ###-###-####. *** will be more than happy to assist you during this timeYour concerns and dissatisfactions with regards to the service levels have been addressed with the loan officer you worked with and senior managementAgain, please accept this letter as a formal apology and if you have any additional comments or questions, please contact me at ###-###-####
This letter is in response to the Revdex.com complaint which you recentlysubmitted regarding overdraft charges you received on your account at First NationalBank of PA (FNB).Although our First National Bank Customer Service Department stated policy regarding aresolution could take up to
days, we strive to return customer phone calls within 48hoursYour complaint was received by the Grove City Branch Manager, Sandy R***,on August She then left two messages on August and August for you to returnher callWhen you returned the call on August and after discussing the circumstanceswith her, we felt there was a misunderstanding regarding the fact that not all ATMmachines provide immediate availability for cash deposited and this was the first timeyou had used the ATM machine at the Grove City locationTherefore, we agreed to aone-time courtesy refund of $which was processed to your account on the same day.Customer service is a top priority to us at First National Bank and we want to do our bestto assist youWe appreciate the opportunity to serve your banking needsIf you havefurther questions, please contact me at ###-###-####.Sincerely,Tamara W***Vice President/Market Manager III"
Please accept this letter in response to the complaint you filed with the Revdex.com onMarch 31, 2016, regarding overdraft fees charged to your checking account at First National Bank ofPennsylvania ( “FNB”)This letter will address the issue cited in your complaint and an explanation
forthe response provided.After reviewing your account, there were no overdraft fees charged on the days in questionHowever,there is a $*** transaction which posted on March 31, Please refer to the enclosedprint out o f your account, if you have any question don’t hesitate to give me a call at ###-###-####.Sincerely,Richard ** R*** ***Vice President & Manager
Please accept this letter in response to the complaint you filed with the Consumer FinancialProtection Bureau on July 1, 2016, regarding your savings account at First National Bank ofPennsylvania ("FNB").Prior to the merger, all Fifth Third Bank customers were mailed a Welcome Booklet
(enclosed)which included full disclosure of the $monthly account service charge and FNB's dormantaccount policyMailing of the Welcome Booklet was completed on March 14, 2016.The Welcome Booklet serves as the required legal notification of changes to your account(s)Onpage six of the Welcome Booklet, a chart lists Fifth Third Bank saving account types and thecorresponding First National Bank savings account typesThe chart also provides an overview ofthe account, minimum balance requirements to avoid a monthly service charge, amount ofmonthly service charge, as well as other account benefitsAs noted on the bottom of the chart,"Checking and saving accounts are considered dormant after months of no activity and willbe assessed a dormant feePlease refer to the Important Account Information disclosures forthe current fee schedule/' The Important Account Information disclosure and fee schedule wasalso mailed with the Welcome Booklet.As a courtesy, FNB will refund the $Dormant Account Fee and $Service Charge.Please see the enclosed check for $14.00.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 and our hope that you will give us the opportunity to serve your banking needsagain in the future
August 8, 2017*** * *** ** *** *** *** ** ***Revdex.com Case #: ***Dear Mr***,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on July 27, 2017, regarding overdraft fees (OD Fees) on your checking
account ending *** with First National Bank of Pennsylvania (FNB).On July 20, 2017, your ending balance was $To determine your available balance for July 21, 2017, 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 July 21, 2017, was $A deposit was transferred from your savings account ending *** in the amount of $100.00, leaving the available balance at $From your available balance your account was presented with thirteen items totaling $602.65, which posted to your account leaving a negative balance of $The overdraft fees (OD Fees) charged to your account ending *** on July 24, 2017, totaling $were caused by the following transaction amounts: $100.00; $100.00; $40.00; $20.00; $15.55; $8.99; $4.99; $2.67.On July 21, 2017, an overdraft protection transfer was made from savings account ending *** to your checking account ending *** in the amount of $and a $overdraft protection fee was charged per the deposit account agreement and personal fee schedule provided to you at account opening and enclosed for reference.On July 21, 2017, your ending balance was $To determine your available balance for July 2017, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available creditsNo transactions posted to your account on July 23, Your available balance to pay items on July 24, 2017, was $From your available balance your account was presented with eight items totaling $413.90, which posted to your account leaving a negative balance of $The overdraft fees (OD Fees) charged to your account ending *** on July 25, 2017, totaling $were caused by the following transaction amounts: $115.62; $101.92; $100.78; $29.16; $28.60; $15.57; $and $8.75.On August 3, 2017, I spoke with you via telephone regarding the OD FeesIt was determined that a refund of OD Fees in the amount of $to your account was appropriate as you were not provided with accurate information from the branchYou 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,Rick C***Market Manager, Pittsburgh Region First National Bank
April 17, 2018*** *** *** *** *** *** ***
*** *** ** ***Revdex.com Case# ***Dear Mr***,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on April 4, 2018, regarding online banking for
your checking account with First National Bank of Pennsylvania (FNB).On April 3, 2018, you contacted FNB's Customer Service Center via telephone to discuss a lissue with online bankingThe customer service representatives (CSR) you spoke with were unable to verify your identity and you discontinued the call, therefore we were unable to assess the possible issue and assist with a resolution.On April 5, 2018, you contacted FNB's customer Service Center via telephone again to discuss lissues with online banking and spoke with Call Center Supervisor Charlene H***MsH*** was unable to verify your identity; therefore, she was unable to assess the possible issue and assist with a resolutionYou contacted Jeremy K***, Personal Banking Representative (PBR) at the Macedonia Office, via telephone to assist you with your requestMrK*** contacted the Customer Service Center on your behalf and explained that you wished to view both your trust checking account and a checking account which you are guardian on via online banking and were requesting the ability to transfer funds between these two accountsThe Customer Service Center CSR added both accounts to your online banking profile, to allow you to view and manage each account onlineThe CSR incorrectly advised MrK*** that FNB was unable to allow transfers between the guardian account and trust accountMrK*** advised you that both accounts were now viewable in online banking and that you would be unable to transfer between the accountsWe apologize for any inconvenience this may have causedOn April 16, 2018, Eric C*** from FNB Internet Support contacted you via telephone to assist you with the online banking lissue and transferring funds between your accounts onlineMrC*** worked with you to assess the issue with logging on to online banking and advised you that you were not blocked or locked outHe provided a resolution for the known browser certificate issue you experienced and you were able to log in to online banking successfullyOnce you logged in to online banking, MrC*** guided you through two transfers between your trust and guardian accountsYou indicated that you understood that the known browser certificate issue was not a security issue, and that you were comfortable with the online banking lprocess and howto transfer funds between your accounts.We hope this response to your complaint meets your satisfactionThis communication is intended to present the facts of the situation, and to serve your financial needs.Sincerely,Todd H***Regional Banking Executive Cleveland Region First National Bank
Please accept this letter in response to the complaint you filed with the Consumer Financial ProtectionBureau on November 4,2016, regarding your mortgage loan application at First National Bank ofPennsylvania (FNB).On September 9, 2016, you applied for a conventional mortgage loan to facilitate the
purchase o f aprimary residenceAs you indicated in your complaint, self-employment for less than two years wouldnot qualify you for a saleable loan to Fannie Mae or Freddie Mac; however, FNB does have the option toretain the loan servicing if an applicant qualifies and has been self-employed for more than one yearAtthe time o f your application, you indicated that you had been self-employed for one yearIt was laterdetermined that the business you owned had only been incorporated for six months, and would, therefore,not be able to provide the required financial documentationPlease refer to the enclosed adverse actionnotice dated September 30,2016, regarding FNB’s decision to decline your loan application.We hope this response to your complaint meets your satisfaction.Mick R***SVP, Manager o f Mortgage OperationsFirst National Bank o f Pennsylvania
Please accept this letter in response to the complaint you filed with the Revdex.com on October 27, 2016, regarding your loan experience with the Regency Finance Company office (RFC) in *** *** Office.At the time of your purchase, you signed a Same As Cash (SAC) Addendum,
acknowledging the SAC stipulation that "If you fail to make any payment, on or before its due date or if you do not pay the balance in full within the time specified, we will assess Finance Charges from the date of the Security Agreement"This agreement was signed and dated by you on October 8, According to our records we confirmed the purchase and terms with you as well.On April 29, 2016, you contacted our office and asked them to email you the SAC information.According to the attached email, we gave you the payoff figure as of that date, reminded you of date it must be paid in full by (10/8/16) and offered payment options for your reviewIn additional the office put in writing your payoff and expiration date, in order for you not to miss the SAC payoff date.The RFC representatives handled your account in the appropriate manner, explained the terms of your account and provided you with the opportunity to pay on your SAC balance within the two years as designated in the terms of the agreement and addendum.If you need any additional information, feel free to contact the regional manager at ###-###-#### or myself at the numbers listed belowWe 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
December 27, *** *** *** ** *** ***
*** *** ***Revdex.com Case : ***Dear Ms***,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on December 13, 2017, regarding disputes on your debit card
with First National Bank of Pennsylvania (FNB).On August 18, 2017, you visited the Muhlenberg branch to report unauthorized transactions on your FNB debit cardAt that time, you were incorrectly informed that a police report was required in order to file a dispute with FNB.On August 21, 2017, you returned to the Muhlenberg branch with the police report and submitted two disputes and two affidavits for unauthorized transactions on your stolen debit card (enclosed for reference)The transactions listed on the dispute did not include all of the charges related to the theft of your debit cardAs such, it appeared that there were authorized transactions performed with your debit card after you reported it stolenBased on this, the dispute claim was denied and the enclosed denial letter was sent to you on August 28, 2017.On August 31, 2017, you returned to the Muhlenberg branch to inquire about the denied dispute claimsAt that time, the branch informed you that the disputes had not been filed with all of the unauthorized transactions includedA new dispute was filed, which included all of the unauthorized transactions from your stolen debit cardThis dispute was incorrectly considered a duplicate and not processed.On December 7, 2017, you called the Muhlenberg branch to inquire about the dispute filed on August 31, The branch instructed you to contact FNB Card Services, provided you with the telephone number and you called FNB Card Services at *** to receive an updateAt that time, FNB Card Services reviewed your dispute from August 31, 2017, and discovered that the dispute was not a duplicateOn December 8, 2017, a reassertion of your dispute was processed, you were issued a permanent credit of $1,to your checking account and the enclosed decision letters were mailed to you.On December 13, 2017, FNB received your complaint filed with the Revdex.com and preformed a final review of your dispute from August 31, An additional $in fees were discovered and a permanent credit for $was applied to your checking account.We apologize for any inconvenience 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,Sandy W***Vice President, Market Manager Capital Region First National Bank
Please accept this letter in response to the complaint that was filed with the Revdex.com onJune 10, 2016, regarding Regency Finance Company's collection efforts on her account ending in ***.Due to privacy concerns, we have contacted the consumer directly to attempt to satisfactorily
resolvethe complaint.A response letter has been sent to the customer addressing her concerns, as well as, a follow up phonecontact to attempt resolution.If you need any additional information, feel free to contact us at the below numbers.Sincerely,Rick M***Vice President, Quality Control Manager/Compliance Officer
The response I received from Kristen M***, Vice President of FNB, is nothing more than a reaccountment of the information I submitted to the Revdex.com in my original complaintIt is a summary of my bank statement, which I am more than capable of reading and understanding without the assistance of MsM***. Due to the fact that the OD resulted from a payment made to NetFlix, I contacted Netflix and verified that they do not request payment from an account that does not have sufficient funds, they simply discontinue the service until the account is paid; the same policy as my StraightTalk phone service, which was not deducted from my FNB account and was disconnected as expectedWith that said, I do see this as an error on the part of FNB. In regards to the one sentence in her response that touched on the premise of my complaint, MsM*** states that "Due to the OD Fees referenced in this complaint not being caused by a bank error, no refund CAN be issued"Really?? As Vice President, I find it very difficult to believe that she is incapable of granting a refund of the $in OD fees I incurred over a $deficiency, especially in light of the fact that patrons who originally banked with Metro Bank, such as myself, were still adjusting to the new policies implemented with the FNB takeover of Metro BankIt's appalling that this institution and its employees are of such low moral standard that they can not comprehend the injustice of the penalty in relation to the 'mistake'Is FNB so greedy that they allow 'policy' to outweigh good customer service and decency? Do they not possess the common sense that their rigidness will not only lead to discontentment among their current patrons but will also cause a ripple effect that will possibly deter potential patrons from choosing to bank with FNB? I will assure both the Revdex.com and FNB that if this issue is not resolved to my satisfaction I will contact the Attorney General and anyone else within a public office that I believe will assist me in appropriately satisfying the complaintI will also voice MY experience with anyone and everyone that will listen through every means available to me. Lastly, adding insult to injury, MsM*** did not even take the time to review her response and addressed it as "Dear Mr***"I suggest that MsM*** brush up on her proof reading skills in addition to her customer service practices.
Regards,
*** ***
April 5, 2018*** *** * *** *** *** *** *** *** ** ***Revdex.com Case# ***Dear Mr***,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on March 23, 2018, regarding fraud protection on your debit
card at First National Bank of Pennsylvania (FNB).FNB provides protection from possible fraudulent debit card activities, including transactions from locations or merchants known for fraud and transactions out of character for our customers, to limit losses for our customers and for the bankThis fraud protection is automatically included with every debit card issued at FNB.On March 23, 2018, you called FNB Customer Service Center at *** to discuss the permanent removal of fraud protection from your debit cardDuring that conversation, the personal banking representative (PBR) advised you that the fraud protection on your debit card could not be removed permanently; however, FNB could temporarily disable fraud protection to allow authorized transactions to be processedThe PBR further explained that FNB could extend the disabled fraud protection for up to six monthsYou expressed your dissatisfaction with this solution and ended the phone call.Please be advised that if you are not incurring fraudulent charges on your debit card, FNB can periodically review your account and debit card to extend the disabled fraud protectionAs a follto this letter, I will contact you via telephone no later than April 11, 2018, to discuss fraud protection on your debit cardIn the meantime, please call me at *** 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.Pittsburgh Region First National Bank
Dear Ms, *** Please accept this letter in response to the complaint you filed with the Revdex.com on February 24, in regard to returned item fees and stop payment fees on your checking account at First National Bank of Pennsylvania (“FNB”), Upon opening your account on February
11, 2016, you chose to opt out of overdraft servicesOn November 22,2016, you contacted FNB Customer Service regarding returned item fees on your checking accountThe account transactions and FNB’s refund policy were discussed with you at that timeOn November 30, 2016, T*** Office Branch, Manager Lynda L***, contacted you to discuss returned item fee refunds in response to that callAt that time you were advised you that you are able to change your election of being opted in for FNB to pay debit card transactions when there are insufficient funds in the account to opt outAfter this call, on January 14, 2017, you changed your election to opt out of overdraft services for debit card transactionsAll charges incurred were returned item fees and resulted from your election to opt out of FNB providing overdraft services for the account and for debit transactions when there are insufficient funds in your accountAll items presented when insufficient funds exist in the account to pay an item will result in a charge of $per item, whether it is paid or returned, regardless of whether you opt in or out of overdraft servicesItems were returned unpaid and a $returned item fee charged, per your requests to opt out (and outlined in the Personal Account Fee Schedule) as follows: December 7, for transaction amounts: $39.04; $27.00; $Total of $returned item feesDecember 9, for transaction amount: $Total of $returned item feesDecember 14, for transaction amounts: $46.65; $39.04; $19.06; $14.99; $Total of $returned item feesDecember 21,for transaction amounts: $46.65; $14.99; $Total of $returned item feesJanuary 4, for transaction amount: $Total of $returned item feesFebruary 22, for transaction amount $Total of $returned item fees(A copy of each notification is included for your reference.) On December 15, 2016, you contacted branch teller, Carie Gephardt, requesting to place your account “on hold” for a monthMsGephardt advised you that it is not possible to place a checking account “on hold.” On December 28, 2016, you placed a stop payment for the payee “all payments” for the amount of $ 1,for check number in Online BankingFNB requires you to view and accept the stop payment disclosures, which clearly state the $fee per request and that online stop payments are for a single check or a range of checks from your checkbookIt is also disclosed that electronic payments, debit card transactions, checks by phone, ACH payments and transfers and other electronic transaction stop payments are supported by Customer Service at 1-800-555-No transaction for check number 1, in the amount of $to a payee named “all payments” was attempted on your checking account as of March 1, Please find enclosed the Deposit Account Agreement and the Personal Account Fee Schedule, disclosed to and accepted by you at account openingWhile these processes were disclosed to and accepted by you, First National Bank will, as a courtesy, issue you a one-time fee refund of $to your checking accountLynda L*** T*** Branch Manager First National Bank 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
Please accept this letter in response to the complaint you filed with the Office of the BetterBusiness Bureau on May 4, regarding the status of your checking account at First NationalBank of Pennsylvania (FNB)This letter will address the issue cited in your complaint and anexplanation for the
response provided.On April your ending balance in your account number ending in was $On Aprilyour account was presented with Point of Sate (POS) transactions of $33.10, $22.72, and$Also presented to your account was an ATM withdrawal of $500.00, We post itemspresented to your account from the highest to the lowest resulting in the $ATMwithdrawal being the first item presented to your account on April and remaining POStransactions to be posted after from highest to lowestThis caused your account to receive 4NSF fees totaling $on April 19.As a one-time courtesy we will refund overdraft fees in the amount of $for the Pointof Sale transactionsPlease keep in mind we pay items presented to your account from highestto lowest each day.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 and our hope that you will consider giving us the opportunity to serve you againin the future
Dear
Mr***,Please accept this
letter in response to the complaint you filed with the Revdex.com
on July 18, 2016, regarding the status of the overdraft fees (OD Fees) charged
to your account at First National Bank of Pennsylvania (;;FNB").On June 15, 2016, your ending
balance
in your checking account ending in 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 debits or
available creditsYour available balance to pay items on June 22, 2016, was $From your available balance,
your account was presented with a debit from Netflix for $leaving a
negative balance of $1.85, which you acknowledge in your complaintAs a
result, your account was assessed a $OD Fees on June 23, Your account remained overdrawn and was
assessed a continuous OD Fee of $on June
24, and June 29, A continuous OD Fee
is assessed to an account every three days that an account remains overdrawn
On June 30, 2016, a credit of $
was received which left your account with a negative balance of $Your
account remained overdrawn, and a continuous OD Fee of $was assessed to
your account on July 5, 2016, this reduced your
balance to a negative $On July 7,
2016, a deposit for $was made which brought your account to a positive
balance.Due to the OD Fees referenced in this complaint not being caused by a
bank error, no refund can be issuedAlso, per your request your account was
closed on August 10, 2016.Sincerely,Kristen M*** Vice
President Market Manager
Please accept this letter as a response to the complaint you filed with the Revdex.comThe purpose of this communication is to address the issues cited in your complaint regarding enrollment in the New Start program and settling the overdrawn accountOn October 19, 2016, we sent a
letter stating that your account had been overdrawn for fifty days and the account would be turned in to collections on December 29, if it was not paid in fullUpon your arrival at the local branch, the New Start program was mentioned as a possible solution to help avoid the collection processAt this point however, the collection process had already begun as your file had been sent to the NRA collection agencyI have confirmed that your account will be housed with NRA Collections as of Friday, January 13, In light of your experience in this matter, I will also confirm that your account is at NRA on Friday so that you can make the necessary arrangements to settle what is outstandingNRA will work with you to resolve this matterPlease contact NRA with your account number at ###-###-####Please contact me at the number below with any questions, concerns or if you need additional informationIf I am away from my desk at the time you call, please provide the best phone number and times to reach on my voicemail
Please accept this letter in response to the complaint that you filed with the Revdex.com(Revdex.com) on July 4, 2017, regarding the charge off and collection of your checking account ending *** withFirst National Bank of Pennsylvania (FNB).On March 20, 2017, your ending balance was $To
determine your available balance for March 21,2017, we take your ending balance from the prior business day plus or minus any pre-authorized debitsor available creditsNo transactions were presented to your account ending *** on March 21, 2017through March 26, Your available balance to pay items on March 27, 2017, was $From youravailable balance your account was presented with one item totaling $21.00, which posted to youraccount leaving a negative balance of $No overdraft fee was charged to your accountThe $21.00transaction was returned for non-sufficient funds on March 28, and no returned item fee wascharged to your accountThe enclosed letter, which was sent to you on March 8, 2017, states that theoverdraft and returned items fees will be waived for the first incidence, but that FNB will charge forfuture overdrafts or returned itemsThe $transaction was retried by PayPal on April 3, andreturned for non-sufficient funds on April 4, The returned item fee charged to your accountending *** on April 4, 2017, of $was caused by the following transaction amounts: $Perthe deposit account agreement and personal fee schedule, provided to you at account opening andenclosed for reference, a continuous overdraft fee of $was applied to your account every threedays your account was negative.On April 5, 2017, a continuous overdraft fee of $was assessed to your checking account ending***On April 6, FNB issued you a refund of continuous overdraft fee, totaling $12.00, per thefirst- time overdraft fee letter.The check image service fees of $and the service fees of $charged on Aprii 20, and May19, 2017, were applied to your account per the deposit account agreement and personal fee schedule,provided at account opening and enclosed for reference.Upon research of your checking account ending ***, it was determined that the account was chargedoff and sent to *** *** *** (***)Please contact *** via phone at ###-###-#### toresolve the collection accountWe 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.Sincerely,Nicky C***Market ManagerEastern North Carolina RegionFirst National Bank
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 ###-###-####
Revdex.com ID# Dear Mr***, Please accept this letter in response to the complaint you filed with the Revdex.com on March 28, The purpose of this communication is to address the issues cited in your complaint regarding the same-as-cash (SAC) option and
interest charges on your account with Regency Finance Company (RFC)On March 15, 2017, we sent a copy of the Same as Cash Addendum you signed with the dealer along with a copy of the sales slipThe SAC Addendum you signed acknowledged the SAC stipulation that "If you fail to make any payment on or before its due date or if you do not pay the balance in full within the time specified, we will assess Finance Charges from the date of the Security Agreement." This agreement was signed and dated by you on November 10, Per our records, we verified the purchase with you and explained the SAC program on November 16, Upon researching payment history on your account, we did not receive a payment between the May 5, and June 5, statementsThere is a 10-day grace period, which would have extended the expiration through June, 11, We did not receive the next payment until July 1, Though you made a large payment prior to June 2016, the terms of your SAC plan require you to make the minimum monthly payments each month regardless of whether you made any payments in advanceOn June 13, 2016, RFC contacted you via telephone concerning the payment due on your accountAt that time, you advised us you would submit your payment on June 16, June 13, was the last day to submit your payment and keep the SAC option on your account, which we failed to inform you ofDue to this, RFC issued an interest refund in the amount of $to your account on March 30, 2017, informing you via telephoneWe 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 futureRick M*** Vice President, Quality Control Manager/Compliance Officer Regency Finance Company
Please accept this letter in response to the complaint you filed with the Revdex.com on February 3, regarding the status of your checking account at First National Bank of Pennsylvania (“FNB”)In your letter, you referred to your account statementTo clarify terms, your account
statement provides you with a ledger balance of the transactions on your accountA ledger balance is determined by subtracting the total number of withdrawals and charges from the total number of deposits and credits for a given period of time (your monthly statement cycle)The available balance of your account is the ledger balance, plus or minus any activity during the day such as pending transactions (deposits or withdrawals) from merchants or checks deposited but not yet made available for your use due to funds availabilityFNB’s funds availability policy was provided to you at account opening, is posted in our branches, and is included in this mailingYour banking account statement does not show you the available balanceThe reason for this would be that your balance changes throughout the day depending on how you use your account and when merchants charge items to the bank against your accountWhat follows is a description of your available balance for the timeframes you expressed concern withOn January 23, your ending balance was $To determine your available balance for January 23, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available creditsNo transactions occurred until January 30, and your available balance was $From your available balance your account was presented with two items totaling $16.25, which posted to your account leaving a negative balance of $The overdraft fee (OD Fee) charged to your account on January 31, 2011, of $was caused by the following transaction amounts: $On January 30, a deposit of $was made in the form of a checkFNB’s policy is to make funds from your deposit available to you on the first business day after we receive your depositOnce these funds are available, you can withdraw cash and we will use the funds to pay checks you’ve written or pay other transactions that post to your accountPer FNB’s standard funds availability policy for checks, the deposited amount of $was not available until January 31, The $in cash from the same deposit was available immediately, leaving a negative balance of $Additionally, continuous OD fee of $was assessed on February 2, 2017, leaving a negative balance of $On February 2, the funds availability policy was discussed with you, as well as our policy to only refund OD fees if there is a bank errorThe account has been issued a one-time courtesy refund of $which includes the $OD fee assessed January 31, and the $continuous OD fee assessed February 3, No further refunds will be issued unless there is bank error
The following letter will be sent to Ms*** today.DearMs***:Thank you for taking the time to notify us of your unsatisfactory experience with your Mortgage Construction Loan. Please accept our sincerest apology for any trouble this may have caused you. We value your
feedback.Weare taking every action to make sure that your problem is addressed and that we are able to provide you with an acceptable solutionAs communicated in ourphone conversation of June 10, we will remove the Home Owners Insurance from your monthly escrow payment Your next billing statement will reflect the reduction to your escrow payment.*** ***, one of our Construction Loan Specialists, will be handling the disbursements throughout the construction phase of your new home. She can be reached at ###-###-####. *** will be more than happy to assist you during this timeYour concerns and dissatisfactions with regards to the service levels have been addressed with the loan officer you worked with and senior managementAgain, please accept this letter as a formal apology and if you have any additional comments or questions, please contact me at ###-###-####
This letter is in response to the Revdex.com complaint which you recentlysubmitted regarding overdraft charges you received on your account at First NationalBank of PA (FNB).Although our First National Bank Customer Service Department stated policy regarding aresolution could take up to
days, we strive to return customer phone calls within 48hoursYour complaint was received by the Grove City Branch Manager, Sandy R***,on August She then left two messages on August and August for you to returnher callWhen you returned the call on August and after discussing the circumstanceswith her, we felt there was a misunderstanding regarding the fact that not all ATMmachines provide immediate availability for cash deposited and this was the first timeyou had used the ATM machine at the Grove City locationTherefore, we agreed to aone-time courtesy refund of $which was processed to your account on the same day.Customer service is a top priority to us at First National Bank and we want to do our bestto assist youWe appreciate the opportunity to serve your banking needsIf you havefurther questions, please contact me at ###-###-####.Sincerely,Tamara W***Vice President/Market Manager III"
Please accept this letter in response to the complaint you filed with the Revdex.com onMarch 31, 2016, regarding overdraft fees charged to your checking account at First National Bank ofPennsylvania ( “FNB”)This letter will address the issue cited in your complaint and an explanation
forthe response provided.After reviewing your account, there were no overdraft fees charged on the days in questionHowever,there is a $*** transaction which posted on March 31, Please refer to the enclosedprint out o f your account, if you have any question don’t hesitate to give me a call at ###-###-####.Sincerely,Richard ** R*** ***Vice President & Manager