Please accept this letter in response to the complaint that you filed with the Revdex.com(Revdex.com) on May 30, 2017, regarding a mobile banking transfer and overdraft {} fees on your checkingaccount ending in *** at First National Bank of Pennsylvania (FNB).Mobile banking is an optional
service offered by FNB which is designed to make managing andtransacting on yo u r accounts simple and convenientWhile we do show two log-ons on May 24, at2:p.mand 3:p.m., there is no evidence of a completed transfer between account ending *** andaccount ending Once a transfer is completed, you will receive a confirmation number on theconfirmation page and your available balances will reflect the transfer immediatelyTh e transfer willalso show under transaction history in both FNB accounts, which did not occur in this case.As you stated in your complaint, the transfer in the amount of $you attempted on May 24, 2017at 3:p.mwas not completedThe amount was not transferred to account ending ***, and yourending balance was negative $for that account on May 24, To determine your availablebalance for May ,, we take your ending balance from the prior business day plus or minus anypre-authorized debits or available creditsYour available balance to pay items on May 25, was$From your available balance you r account was presented with four items totaling $323.97, whichposted to yo u r account leaving a negative balance of $Th e overdraft fee (O D Fee) charged toyour account on May 6,2017, of $was caused by the following transaction amounts: $6.69;$300.00; $10.59; and $6.69.Although the OD fees assessed to your account were not caused by bank error, FNB issued you a onetimecourtesy refund of the OD fees assessed to your checking account ending in *** totaling $203.50on May 30, 2017.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 continue to allow us to serve your financial needs.Sincerely,Senior Vice President, Market ManagerFirst National Bank
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me However, upon reading the response to my issue they are still trying to place blame in my shoulders and ignore that their system is glitched and messing up others' accounts alsoWhile I am closing my accounts so this never occurs again I want awareness brought forth of acts that effect others that are frowned upon and "shady" even by their own tellers in the bank officesPeople work hard for their money and it shouldnt be stolen from them
As stated in my complaint, I was not given any info on policies when I opened the account and was unsuccessful in obtaining them when I called the customer service number and visited a branch office And was given a multitude of incorrect information from the customer service line - at no time did any customer service rep mention anything about the availability differences between the regular ATMs and the smart ATMs The customer service line did tell me that a business day is any day the bank is open and never even mentioned Saturdays don't count, even though the bank is open for a few hours I can understand if I deposited a check on a Saturday and it would not be available for withdrawal on a Tuesday, but I deposited cash This bank's policies seem aggressive just in order to generate fees
Regards,
*** ***
Please accept this letter in response to the complaint that you filed with the Revdex.com onOctober 3, 2016, regarding overdraft fees that were charged to your checking account at First NationalBank of Pennsylvania (FNB), successor-by-merger to Metro bank.Our research shows that on
August 18, 2016, you contacted FNB's call center requesting proof of an IRSpayment that you made from your checking account ending in Our records do not indicate thatever requested your account to be closedOn August 22, 2016, your available balance to pay items was$and a pre-authorized payment was transacted on your account in the amount of $Thistransaction was paid and overdrew your account by $The account remained negative until it wascharged off and submitted to a collection agency on October 11, 2016.An attempt was made to reach you on October 5, at the contact number that was provided and amessage was left for you to return my call in an effort to resolve your complaintYou had indicated inyour complaint that you would be willing to pay the $which has not occurredAs pf this letter youhave not returned my call.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 yourbusinessIf I can be of any further assistance please do not hesitate to contact me directly at thenumber referenced below.Charles B***Market ManagerFirst National bank Of Pennsylvania
October 12, 2016*** *** *** *** * *** *** ** *** ** ***Case#: ***Dear Ms***,Please accept this letter in response to the complaint that you filed with the Revdex.com in reference to your experience with the Regency Finance Company office in Springfield,
Tennessee Office.The purpose of this communication is to address the issues cited in your complaint regarding the same-as-cash (SAC) option on your account and to provide further explanation of the handling of your account by branch personnel.At the time of your purchase, you signed a 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 January 10, According to our records we confirmed the purchase and terms with you on February 1, 2016, as well.We have also enclosed the copies of the last two billing statements for your referenceAs you can see, they show the amount needed monthly, as well as, the date it must be receivedOn your July 5,statement, the due date of the next payment is August 1, Since we did not receive any payment before the lOday late grace period, your same as cash option on your account expired on August 11,We received your payment on August 29, 2016,days after the grace period ended and days after the due dateRegency Finance processes payments on the dates they are received.The office manager spoke to you on August 17, 2016, when you called and explained we had not received any payments since June 29, They offered a check by phone and agreed to accept the SAC payoff option since your statement was lateYou declined due to the $fee and said you would pay in the branchWe did not receive any other payments until August 29, 2016, which was days after speaking with you.There is also clear and specific language on the back of the billing statement that highlights SAC Program requirements.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 your agreement and addendum.We have waived the remaining late fees on the account, and your account has a zero balanceIf you need any additional information, feel free to contact Regional Manager Mike H*** at *** myself at the numbers listed below.Sincerely,Rick M***Vice President, Quality Control Manager/Compliance OfficerRegency Finance Company***
They for one can't get my address correct on the response which just plainly incompetent of a bank they areThey need to return more than as they had taken off of me in feesI had a savings account in which it could of taken care of this issue once it
startedAs this has never been an issue beforeThey never once contacted me by phone or mail in months in which this could of been fixedThey only offered to me my statementsThe only time they offered any sort of help online was after the fact and when I confronted them on the issueThis is bad business practices from a bank that you have been with for a long period of timeThey need to refund to me at least or more to settle this dispute.
Regards,
Jeremiah M***
November 30,2017*** *** *** ***
*** *** ***
*** ** ***Revdex.com Case #: *** Dear Mr***,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on November 22,2017, regarding overdraft fees (OD
Fees) and the closing of your checking account with First National Bank of Pennsylvania (FNB).On November 13, 2017, you visited the Carlisle branch to request a refund of OD Fess totaling $that were charged to your account on October 23,FNB issued you a one-time courtesy refund for OD Fees totaling $on June 30,2017, therefore this refund request was denied, and you requested account closureYour account was unable to be closed because a point of sale (POS) purchase totaling $from November 10, 2017, was pending paymentOn November 15, 2017, the $POS transaction posted to your accountOn November 17, 2017, an automatic clearing house (ACH) payment totaling $posted to your checking account.On November 21, 2017, you called FNB Customer Service at 800-555-to discuss the OD Fees charged to your account on October 23,2017, and to file a complaint about the Carlisle branch in relation to the account closing procedureYou visited the Carlisle branch, made a deposit to bring your account to a zero balance and closed the accountYour checking account did not go in to a negative balance and no OD Fees were charged to your account between October 23, 2017, and November 21,Please refer to your account statements ending November 3,2017, and November 22, 2017, enclosed for reference.On November 24, 2017, Branch Manager of the Carlisle branch, Pamela J***, left you a voicemail regarding the complaint you filed on November 21, On November 27,2017, MsJ*** spoke with you via telephone to discuss your complaintYou indicated you understood that the reason your account was not closed immediately was due to the POS and ACH transactions as listed previously in this letter and that no overdrafts had occurred on your accountMsJones advised you to ensure any recurring ACH payments set for your closed account were cancelled.We hope this response to your complaint meets your satisfaction.Sincerely,Kristen M***Market ManagerCapital RegionFirst National Bank
The property which you wished to purchase was not eligible for the type of loan that you initially applied for and was qualified for. You were notified of this fact and you did not complete the application for the correct loan until approximately four months later. You elected to change
contractors which further delayed the loan process. Your loan did not close within the rate lock period which required an extension of the interest rate. There is a fee charged for holding an interest rate beyond the rate lock date. First National Bank will send you a separate correspondence directly to you which will address these issues in greater detail. First National Bank of Pennsylvania
This letter is in response to the complaint received by First National Bank of Pennsylvania(FNB) on March 15, 2016, from the Revdex.com on your behalfThis letter serves asour response to this matter.After a review of your account, on February 18, the $in overdraft fees (OD
Fees) werecharged to your account due to the following transactions: $19.99, $3.25, and $As a one-timecourtesy we refunded one OD Fee for $to your account on February 23, 2016.As previously communicated, during the conversion customers were not able to access theiraccounts online, mobile banking, or through telephone banking from Friday, February 12, 2016,through noon on February 14, However, FNB determined that during the weekend ofFriday, February 12, 2016, through Monday, February 15, 2016, Metro Bank customers hadbranch access excluding Sunday, February 14, 2016.If you have any questions please contact me directly at ###-###-####.Sincerely,Kristen M***Vice PresidentMarket Manager
I appreciate the letter from Regency Finance Company that they will no longer process automatic phone payments from my checking account, I wanted to make comment that I was never told I needed written communication to stop these payments. I will argue the fact that I have told them orally to stop When the letter states I didn't I know this for a fact because one day I stopped there to make a payment and the young lady at the counter told me I was scheduled for an automatic withdrawalShe stopped it from happening when I was thereI reiterated that I will no longer allow automatic payments that I prefer to bring them a checkThat process was not adhered to and that is why I'm disputing thisAll I want is the good working relationship I had with this company and for the office staff to pay attention to detail when noting my accountI expect phone calls from the staff and I always call them to work with them on getting things paid on timeIf this can't be done then I will have no choice then to go somewhere else to get a loan and pay this one offA company that will also take online payments which this one does not
Please accept this letter in response to the complaint you filed with the Revdex.com on February 10, 2017, regarding a $charge from First National Bank of Pennsylvania (FNB) showing on your credit reportOn October 13, your ending balance was $Your available balance to
pay items on October 14, was $From your available balance your account was presented with one item totaling $34.00, which posted to your account leaving a negative balance of $The account continued with a negative balance for daysOn December 1, 2014, FNB sent a letter stating your account had been closed due to maintaining a negative balance since October 14, The account was sent to the *** *** collection agency at this timeFNB also sent notices to you October 16, through November 25, which included overdraft and unpaid item fee noticesOn November 3, 2014, FNB sent a notice explaining that we had debited Savings account *** for $40.13, credited that amount to the negative checking account ending in *** and closed itPlease find enclosed a transaction statement which shows the details of the negative account balance between October 14, and November 30, Also enclosed is a list of these transactions including the dates a notice or letter was sent to you concerning the negative balance*** *** will work with you to resolve this matterPlease contact *** *** with your account number at ###-###-####Brenda B*** Branch Manager Moon Township Branch 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 consider giving us the opportunity to serve you again in the futureThank you,
Please accept this letter in response to the complaint you filed with the Revdex.com onMarch 20, in regards to a transaction of $causing overdraft and continuous overdraft feeson your account ending *** at First National Bank of Pa("FNB").Upon researching, it was found
that no transactions in the amount of $for *** were attempted,posted or declined from your checking account ending *** between December 2, and March 2,As FNB is unable to research any transactions that do not post to your account, we recommendthat you contact the company (***) to determine the cause of the issue.As the overdraft and continuous overdraft fees caused by the $transaction on March 13, 2017were not fully explained to you when you questioned the charges on March 17, 2017, we have refundedthe charges that were incurredOn March 16, 2017, FNB issued you a refund of Overdraft Fees totaling$On March 24, 2017, FNB issued you a refund of Overdraft Fees totaling $and ContinuousOverdraft Fees totaling $24.00.Joseph V***, Branch Manager of the Squirrel Hill office has attempted to have a discussion with youabout this matter but has not been able to connect with you as of todayPlease contact me at ###-###-#### if you choose to discuss the matter further.Sincerely,Vice President,
Please accept this letter in response to the complaint you filed with the Revdex.com on June8, 2016, regarding the status of your checking account at First National Bank of Pennsylvania (“FNB”).On June 1, 2016, the beginning balance in your checking account ending in *** was $1,
after aTreasury Benefit depositThat same day there were items being presented against the account whichresulted in an ending balance of $On June 2, 2016, a $charge from *** *** cleared youraccount, this transaction overdrew your account leaving you with a negative balance of $OnJune 3, 2016, due to insufficient funds your account was assessed a $overdraft fee (OD Fee)OnJune 3, a $charge from *** cleared your account, this transaction caused the OD Feethat was assessed to your account on June 6, Several automated teller machine (ATM)transactions on June 6, 2016, caused fees that were assessed from the ATM machine ($pertransaction not an FNB fee) as well as the foreign ATM fees ($per transaction) from FNBOnJanuary 5’ 2016, you were mailed a welcome packet which referenced the type of checking account youwould have at FNB after the merger with Metro BankThe fee schedule outlined the cost of ATMtransactions when not using an FNB machine, as well as, the fees associated with overdrafts to youraccount and continuous OD Fees if the account is not brought to a positive balance within three daysafter the initial occurrenceYour June statement, which outlines the activity noted above, are enclosedfor referenceDue to the OD Fees referenced in this complaint not being caused by a bank error, no additionalrefund can be issued.As a follto this letter, the Branch Manager of the North 2nd Street office will call you to furtherdiscuss your overdraft occurrences and how we can help you avoid future OD Fees.While this communication is intended to present the facts of the situation, we would also like to expressour appreciation for your business and our hope that you will consider giving us the opportunity toserve you again in the future.Thank you,"Susan D***Market Manager
First National Bank o f PA (FNB) have received a copy o f your communication from theRevdex.com regarding the status o f your account number ending in [redacted].Upon reviewing your account, we have found the following:FNB has found there was an error processing your mobile deposit on November...
6, 2015,for $437.51 to your account. This delay in funds caused your account to go negative and$86 ($37, $37, and $12) in Overdraft Fees (OD Fees) were charged. FNB would like toapologies for any inconvenience this may have caused. As a result, on November 13,2015, we refunded $86 in OD Fees to your account.We hope this response to your complaint meets your satisfaction. While thiscommunication is intended to present the facts o f the situation, we would also like toexpress our appreciation for your business and our hope that you will consider giving usthe opportunity to serve you again in the future. If you have any additional questions,please feel free to contact me at ###-###-####.Sincerely,Rick C[redacted]Market Manager
Original Body of the Letter I Sent to Regency Finance Company:
"When I signed up for this line of credit with [redacted]
Furniture they assured me I would have months of bill cycles to complete the
initial purchase amount of $4944.94. I
contest the finance charge of $1,billed on 6/9/as this will be the
24th of months of bills and the dates clearly say past due as older than
6/3/(days less than years) and current up to 7/5/16. I am making the last and final payment this
month to satisfy the initial amount
I have never been delinquent with any monthly payment to
date and thus have been in good standing the entire time with this
account. I request that my account permanently
be closed as I have zeroed out the account balance and met my month cycle deadline
as outlined by the originating company, [redacted] Furniture, initiating the line of
credit on your behalf. I have also filed
a complaint with the Revdex.com on grounds to pursue legal action
should this matter not be closed/resolved in a timely matter."
My Formal Response to Revdex.com:I talked with Rick M[redacted], VP of Quality Control/Assurance,
on the phone and basically there is nothing they can do as they see the
months as the date the line of credit was created versus what the monthly bill actually
says as the dated current amount (I wish I could upload my actual statement to
show everyone). Rather than ruin my
perfect credit I am personally going to pay them whatever it takes rather than
pursue fighting this and watching my credit score free fall. I feel ripped off my this bank and as they
can use this faux debt to ruin my credit and extort me for extra money and no
matter how much I protest this it seems like this big bank, First National
Bank, hiding behind a subsidiary will always win and bully their customers into
complying.
Anyone else who reads this complaint please be aware they
also use the excuse the furniture company originating the paperwork on their
behalf should have explained the terms completely for the Regency Finance Company. The scam lies with Regency Finance as they only
do a phone call follow up much like a telemarketer to "confirm you signed up
for this plan" after the purchase at Enyon FurnitureSince there is no in person consultation with
the actual bank financing this promotion the store acting for them can literally
say anything to get you to sign up for this line of credit and not have any repercussions
for not legally explaining it correctly.
Something is very wrong with this process as the bank should legally have
to explain the terms to you in person and you should only be able to sign legally
binding paperwork in their presence and not in front of some furniture clerk
not representing the debt. I hope the
Revdex.com can investigate this further as I feel like companies
are finding more creative and deceptive ways to skirt the law and take
advantage of honest hard working people
To any anyone reviewing Regency Finance Company I hope my explanation of this ordeal helps you avoid the same scam/trap I fell victim to
Regards,
[redacted] Danouski
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 credits. Your available balanceto pay items on November 19, 2016, was $122.87 (preauthorized debit $10.06). From your availablebalance your account was presented with five items totaling $192.64 which posted to your accountleaving a negative balance o f $59.71. The overdraft fees (OD Fees) charged to your account onNovember 22, 2016, of $148.00 were caused by the following transaction amounts: $56.37, $33.00,$26.29 and $10.06. The preauthorized debit of $10.06 referenced above never dropped off andnegatively impacted your available balance. The actual balance to pay items on November 19, 2016,should have been $132.93 not $122.87. Due to this error, your account was assessed an OD Fee for the$56.37 Target transaction. The OD Fee charged to your account on November 22,2016, should havebeen $111.00 and not $148.00. On December 6, 2016, a refund o f $37,00 was credited to yourchecking account ending in [redacted].On November 19, 2016, you deposited a $500.00 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 satisfaction. While this communication isintended to present the facts o f the situation, we would also like to express our appreciation for yourbusiness.Sincerely,Alison ** S[redacted]Market Manager and Vice PresidentFirst National Bank of Pennsylvania
Please accept this letter in response to the complaint you filed with the CFPB on November 10, 2015,regarding your checking account with First National Bank of Pennsylvania (FNB). This letter willaddress the issues cited in your complaint and an explanation for the response provided.Issue...
-Availability of FundsThis response concerns your stated issue of being charged $407 in Overdraft Fees (OD Fees) onNovember 10, 2015, for transactions that posted to your account on November 9, 2015.FNB determined that you deposited a $420 transit check (non-FNB Check) via ATM on Saturday,November 7, 2015, at 3:17 pm. According to our Funds Availability Policy, these funds were notavailable until Tuesday, November 10, 2015, which you acknowledged in your letter. The beginningavailable balance in your account on Monday, November 9, 2015, was $1,258.11. A check in the amountof $860 was presented which brought the balance to $398.11. Next, a check for $343.30 was paid andyour balance decreased to $54.81. The remaining 11 items posted on November 9, 2015 (in the amountsof $85, $60, $49.68, $29.50, $28.69, $15, $7.44, $6.08, $5.71, $5.06, and $4.70) totaled $296.86 and werepresented for payment. These items overdrew your account which resulted in multiple overdraft feestotaling $407.On July 28, 2015, FNB previously issued you a one-time courtesy refund of OD Fees. Because the ODFees referenced in this complaint were not caused by a bank error, no refund can be issued.While this communication is intended to present the facts of the situation and the reasoning for ourdecision not to provide a refund, we hope that you will provide us the opportunity to continue servingyou. If you have any additional questions or if you would like to discuss the options we have available toavoid overdrafts in the future, feel free to contact me at ###-###-####.Sincerely,Market Manager[redacted]###-###-####"Relationships Built On Trust"™
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
Please accept this letter in response to the complaint that you filed with the Revdex.com(Revdex.com) on May 30, 2017, regarding a mobile banking transfer and overdraft {} fees on your checkingaccount ending in *** at First National Bank of Pennsylvania (FNB).Mobile banking is an optional
service offered by FNB which is designed to make managing andtransacting on yo u r accounts simple and convenientWhile we do show two log-ons on May 24, at2:p.mand 3:p.m., there is no evidence of a completed transfer between account ending *** andaccount ending Once a transfer is completed, you will receive a confirmation number on theconfirmation page and your available balances will reflect the transfer immediatelyTh e transfer willalso show under transaction history in both FNB accounts, which did not occur in this case.As you stated in your complaint, the transfer in the amount of $you attempted on May 24, 2017at 3:p.mwas not completedThe amount was not transferred to account ending ***, and yourending balance was negative $for that account on May 24, To determine your availablebalance for May ,, we take your ending balance from the prior business day plus or minus anypre-authorized debits or available creditsYour available balance to pay items on May 25, was$From your available balance you r account was presented with four items totaling $323.97, whichposted to yo u r account leaving a negative balance of $Th e overdraft fee (O D Fee) charged toyour account on May 6,2017, of $was caused by the following transaction amounts: $6.69;$300.00; $10.59; and $6.69.Although the OD fees assessed to your account were not caused by bank error, FNB issued you a onetimecourtesy refund of the OD fees assessed to your checking account ending in *** totaling $203.50on May 30, 2017.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 continue to allow us to serve your financial needs.Sincerely,Senior Vice President, Market ManagerFirst National Bank
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me However, upon reading the response to my issue they are still trying to place blame in my shoulders and ignore that their system is glitched and messing up others' accounts alsoWhile I am closing my accounts so this never occurs again I want awareness brought forth of acts that effect others that are frowned upon and "shady" even by their own tellers in the bank officesPeople work hard for their money and it shouldnt be stolen from them
As stated in my complaint, I was not given any info on policies when I opened the account and was unsuccessful in obtaining them when I called the customer service number and visited a branch office And was given a multitude of incorrect information from the customer service line - at no time did any customer service rep mention anything about the availability differences between the regular ATMs and the smart ATMs The customer service line did tell me that a business day is any day the bank is open and never even mentioned Saturdays don't count, even though the bank is open for a few hours I can understand if I deposited a check on a Saturday and it would not be available for withdrawal on a Tuesday, but I deposited cash This bank's policies seem aggressive just in order to generate fees
Regards,
*** ***
Please accept this letter in response to the complaint that you filed with the Revdex.com onOctober 3, 2016, regarding overdraft fees that were charged to your checking account at First NationalBank of Pennsylvania (FNB), successor-by-merger to Metro bank.Our research shows that on
August 18, 2016, you contacted FNB's call center requesting proof of an IRSpayment that you made from your checking account ending in Our records do not indicate thatever requested your account to be closedOn August 22, 2016, your available balance to pay items was$and a pre-authorized payment was transacted on your account in the amount of $Thistransaction was paid and overdrew your account by $The account remained negative until it wascharged off and submitted to a collection agency on October 11, 2016.An attempt was made to reach you on October 5, at the contact number that was provided and amessage was left for you to return my call in an effort to resolve your complaintYou had indicated inyour complaint that you would be willing to pay the $which has not occurredAs pf this letter youhave not returned my call.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 yourbusinessIf I can be of any further assistance please do not hesitate to contact me directly at thenumber referenced below.Charles B***Market ManagerFirst National bank Of Pennsylvania
October 12, 2016*** *** *** *** * *** *** ** *** ** ***Case#: ***Dear Ms***,Please accept this letter in response to the complaint that you filed with the Revdex.com in reference to your experience with the Regency Finance Company office in Springfield,
Tennessee Office.The purpose of this communication is to address the issues cited in your complaint regarding the same-as-cash (SAC) option on your account and to provide further explanation of the handling of your account by branch personnel.At the time of your purchase, you signed a 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 January 10, According to our records we confirmed the purchase and terms with you on February 1, 2016, as well.We have also enclosed the copies of the last two billing statements for your referenceAs you can see, they show the amount needed monthly, as well as, the date it must be receivedOn your July 5,statement, the due date of the next payment is August 1, Since we did not receive any payment before the lOday late grace period, your same as cash option on your account expired on August 11,We received your payment on August 29, 2016,days after the grace period ended and days after the due dateRegency Finance processes payments on the dates they are received.The office manager spoke to you on August 17, 2016, when you called and explained we had not received any payments since June 29, They offered a check by phone and agreed to accept the SAC payoff option since your statement was lateYou declined due to the $fee and said you would pay in the branchWe did not receive any other payments until August 29, 2016, which was days after speaking with you.There is also clear and specific language on the back of the billing statement that highlights SAC Program requirements.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 your agreement and addendum.We have waived the remaining late fees on the account, and your account has a zero balanceIf you need any additional information, feel free to contact Regional Manager Mike H*** at *** myself at the numbers listed below.Sincerely,Rick M***Vice President, Quality Control Manager/Compliance OfficerRegency Finance Company***
They for one can't get my address correct on the response which just plainly incompetent of a bank they areThey need to return more than as they had taken off of me in feesI had a savings account in which it could of taken care of this issue once it
startedAs this has never been an issue beforeThey never once contacted me by phone or mail in months in which this could of been fixedThey only offered to me my statementsThe only time they offered any sort of help online was after the fact and when I confronted them on the issueThis is bad business practices from a bank that you have been with for a long period of timeThey need to refund to me at least or more to settle this dispute.
Regards,
Jeremiah M***
November 30,2017*** *** *** ***
*** *** ***
*** ** ***Revdex.com Case #: *** Dear Mr***,Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on November 22,2017, regarding overdraft fees (OD
Fees) and the closing of your checking account with First National Bank of Pennsylvania (FNB).On November 13, 2017, you visited the Carlisle branch to request a refund of OD Fess totaling $that were charged to your account on October 23,FNB issued you a one-time courtesy refund for OD Fees totaling $on June 30,2017, therefore this refund request was denied, and you requested account closureYour account was unable to be closed because a point of sale (POS) purchase totaling $from November 10, 2017, was pending paymentOn November 15, 2017, the $POS transaction posted to your accountOn November 17, 2017, an automatic clearing house (ACH) payment totaling $posted to your checking account.On November 21, 2017, you called FNB Customer Service at 800-555-to discuss the OD Fees charged to your account on October 23,2017, and to file a complaint about the Carlisle branch in relation to the account closing procedureYou visited the Carlisle branch, made a deposit to bring your account to a zero balance and closed the accountYour checking account did not go in to a negative balance and no OD Fees were charged to your account between October 23, 2017, and November 21,Please refer to your account statements ending November 3,2017, and November 22, 2017, enclosed for reference.On November 24, 2017, Branch Manager of the Carlisle branch, Pamela J***, left you a voicemail regarding the complaint you filed on November 21, On November 27,2017, MsJ*** spoke with you via telephone to discuss your complaintYou indicated you understood that the reason your account was not closed immediately was due to the POS and ACH transactions as listed previously in this letter and that no overdrafts had occurred on your accountMsJones advised you to ensure any recurring ACH payments set for your closed account were cancelled.We hope this response to your complaint meets your satisfaction.Sincerely,Kristen M***Market ManagerCapital RegionFirst National Bank
The property which you wished to purchase was not eligible for the type of loan that you initially applied for and was qualified for. You were notified of this fact and you did not complete the application for the correct loan until approximately four months later. You elected to change
contractors which further delayed the loan process. Your loan did not close within the rate lock period which required an extension of the interest rate. There is a fee charged for holding an interest rate beyond the rate lock date. First National Bank will send you a separate correspondence directly to you which will address these issues in greater detail. First National Bank of Pennsylvania
This issues was resolved on 10/13/15, see details attached
This letter is in response to the complaint received by First National Bank of Pennsylvania(FNB) on March 15, 2016, from the Revdex.com on your behalfThis letter serves asour response to this matter.After a review of your account, on February 18, the $in overdraft fees (OD
Fees) werecharged to your account due to the following transactions: $19.99, $3.25, and $As a one-timecourtesy we refunded one OD Fee for $to your account on February 23, 2016.As previously communicated, during the conversion customers were not able to access theiraccounts online, mobile banking, or through telephone banking from Friday, February 12, 2016,through noon on February 14, However, FNB determined that during the weekend ofFriday, February 12, 2016, through Monday, February 15, 2016, Metro Bank customers hadbranch access excluding Sunday, February 14, 2016.If you have any questions please contact me directly at ###-###-####.Sincerely,Kristen M***Vice PresidentMarket Manager
The attached response was mailed to MrLasota today, 11/10/
I appreciate the letter from Regency Finance Company that they will no longer process automatic phone payments from my checking account, I wanted to make comment that I was never told I needed written communication to stop these payments. I will argue the fact that I have told them orally to stop When the letter states I didn't I know this for a fact because one day I stopped there to make a payment and the young lady at the counter told me I was scheduled for an automatic withdrawalShe stopped it from happening when I was thereI reiterated that I will no longer allow automatic payments that I prefer to bring them a checkThat process was not adhered to and that is why I'm disputing thisAll I want is the good working relationship I had with this company and for the office staff to pay attention to detail when noting my accountI expect phone calls from the staff and I always call them to work with them on getting things paid on timeIf this can't be done then I will have no choice then to go somewhere else to get a loan and pay this one offA company that will also take online payments which this one does not
Please accept this letter in response to the complaint you filed with the Revdex.com on February 10, 2017, regarding a $charge from First National Bank of Pennsylvania (FNB) showing on your credit reportOn October 13, your ending balance was $Your available balance to
pay items on October 14, was $From your available balance your account was presented with one item totaling $34.00, which posted to your account leaving a negative balance of $The account continued with a negative balance for daysOn December 1, 2014, FNB sent a letter stating your account had been closed due to maintaining a negative balance since October 14, The account was sent to the *** *** collection agency at this timeFNB also sent notices to you October 16, through November 25, which included overdraft and unpaid item fee noticesOn November 3, 2014, FNB sent a notice explaining that we had debited Savings account *** for $40.13, credited that amount to the negative checking account ending in *** and closed itPlease find enclosed a transaction statement which shows the details of the negative account balance between October 14, and November 30, Also enclosed is a list of these transactions including the dates a notice or letter was sent to you concerning the negative balance*** *** will work with you to resolve this matterPlease contact *** *** with your account number at ###-###-####Brenda B*** Branch Manager Moon Township Branch 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 consider giving us the opportunity to serve you again in the futureThank you,
Please accept this letter in response to the complaint you filed with the Revdex.com onMarch 20, in regards to a transaction of $causing overdraft and continuous overdraft feeson your account ending *** at First National Bank of Pa("FNB").Upon researching, it was found
that no transactions in the amount of $for *** were attempted,posted or declined from your checking account ending *** between December 2, and March 2,As FNB is unable to research any transactions that do not post to your account, we recommendthat you contact the company (***) to determine the cause of the issue.As the overdraft and continuous overdraft fees caused by the $transaction on March 13, 2017were not fully explained to you when you questioned the charges on March 17, 2017, we have refundedthe charges that were incurredOn March 16, 2017, FNB issued you a refund of Overdraft Fees totaling$On March 24, 2017, FNB issued you a refund of Overdraft Fees totaling $and ContinuousOverdraft Fees totaling $24.00.Joseph V***, Branch Manager of the Squirrel Hill office has attempted to have a discussion with youabout this matter but has not been able to connect with you as of todayPlease contact me at ###-###-#### if you choose to discuss the matter further.Sincerely,Vice President,
Please accept this letter in response to the complaint you filed with the Revdex.com on June8, 2016, regarding the status of your checking account at First National Bank of Pennsylvania (“FNB”).On June 1, 2016, the beginning balance in your checking account ending in *** was $1,
after aTreasury Benefit depositThat same day there were items being presented against the account whichresulted in an ending balance of $On June 2, 2016, a $charge from *** *** cleared youraccount, this transaction overdrew your account leaving you with a negative balance of $OnJune 3, 2016, due to insufficient funds your account was assessed a $overdraft fee (OD Fee)OnJune 3, a $charge from *** cleared your account, this transaction caused the OD Feethat was assessed to your account on June 6, Several automated teller machine (ATM)transactions on June 6, 2016, caused fees that were assessed from the ATM machine ($pertransaction not an FNB fee) as well as the foreign ATM fees ($per transaction) from FNBOnJanuary 5’ 2016, you were mailed a welcome packet which referenced the type of checking account youwould have at FNB after the merger with Metro BankThe fee schedule outlined the cost of ATMtransactions when not using an FNB machine, as well as, the fees associated with overdrafts to youraccount and continuous OD Fees if the account is not brought to a positive balance within three daysafter the initial occurrenceYour June statement, which outlines the activity noted above, are enclosedfor referenceDue to the OD Fees referenced in this complaint not being caused by a bank error, no additionalrefund can be issued.As a follto this letter, the Branch Manager of the North 2nd Street office will call you to furtherdiscuss your overdraft occurrences and how we can help you avoid future OD Fees.While this communication is intended to present the facts of the situation, we would also like to expressour appreciation for your business and our hope that you will consider giving us the opportunity toserve you again in the future.Thank you,"Susan D***Market Manager
First National Bank o f PA (FNB) have received a copy o f your communication from theRevdex.com regarding the status o f your account number ending in [redacted].Upon reviewing your account, we have found the following:FNB has found there was an error processing your mobile deposit on November...
6, 2015,for $437.51 to your account. This delay in funds caused your account to go negative and$86 ($37, $37, and $12) in Overdraft Fees (OD Fees) were charged. FNB would like toapologies for any inconvenience this may have caused. As a result, on November 13,2015, we refunded $86 in OD Fees to your account.We hope this response to your complaint meets your satisfaction. While thiscommunication is intended to present the facts o f the situation, we would also like toexpress our appreciation for your business and our hope that you will consider giving usthe opportunity to serve you again in the future. If you have any additional questions,please feel free to contact me at ###-###-####.Sincerely,Rick C[redacted]Market Manager
Original Body of the Letter I Sent to Regency Finance Company:
"When I signed up for this line of credit with [redacted]
Furniture they assured me I would have months of bill cycles to complete the
initial purchase amount of $4944.94. I
contest the finance charge of $1,billed on 6/9/as this will be the
24th of months of bills and the dates clearly say past due as older than
6/3/(days less than years) and current up to 7/5/16. I am making the last and final payment this
month to satisfy the initial amount
I have never been delinquent with any monthly payment to
date and thus have been in good standing the entire time with this
account. I request that my account permanently
be closed as I have zeroed out the account balance and met my month cycle deadline
as outlined by the originating company, [redacted] Furniture, initiating the line of
credit on your behalf. I have also filed
a complaint with the Revdex.com on grounds to pursue legal action
should this matter not be closed/resolved in a timely matter."
My Formal Response to Revdex.com:I talked with Rick M[redacted], VP of Quality Control/Assurance,
on the phone and basically there is nothing they can do as they see the
months as the date the line of credit was created versus what the monthly bill actually
says as the dated current amount (I wish I could upload my actual statement to
show everyone). Rather than ruin my
perfect credit I am personally going to pay them whatever it takes rather than
pursue fighting this and watching my credit score free fall. I feel ripped off my this bank and as they
can use this faux debt to ruin my credit and extort me for extra money and no
matter how much I protest this it seems like this big bank, First National
Bank, hiding behind a subsidiary will always win and bully their customers into
complying.
Anyone else who reads this complaint please be aware they
also use the excuse the furniture company originating the paperwork on their
behalf should have explained the terms completely for the Regency Finance Company. The scam lies with Regency Finance as they only
do a phone call follow up much like a telemarketer to "confirm you signed up
for this plan" after the purchase at Enyon FurnitureSince there is no in person consultation with
the actual bank financing this promotion the store acting for them can literally
say anything to get you to sign up for this line of credit and not have any repercussions
for not legally explaining it correctly.
Something is very wrong with this process as the bank should legally have
to explain the terms to you in person and you should only be able to sign legally
binding paperwork in their presence and not in front of some furniture clerk
not representing the debt. I hope the
Revdex.com can investigate this further as I feel like companies
are finding more creative and deceptive ways to skirt the law and take
advantage of honest hard working people
To any anyone reviewing Regency Finance Company I hope my explanation of this ordeal helps you avoid the same scam/trap I fell victim to
Regards,
[redacted] Danouski
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 credits. Your available balanceto pay items on November 19, 2016, was $122.87 (preauthorized debit $10.06). From your availablebalance your account was presented with five items totaling $192.64 which posted to your accountleaving a negative balance o f $59.71. The overdraft fees (OD Fees) charged to your account onNovember 22, 2016, of $148.00 were caused by the following transaction amounts: $56.37, $33.00,$26.29 and $10.06. The preauthorized debit of $10.06 referenced above never dropped off andnegatively impacted your available balance. The actual balance to pay items on November 19, 2016,should have been $132.93 not $122.87. Due to this error, your account was assessed an OD Fee for the$56.37 Target transaction. The OD Fee charged to your account on November 22,2016, should havebeen $111.00 and not $148.00. On December 6, 2016, a refund o f $37,00 was credited to yourchecking account ending in [redacted].On November 19, 2016, you deposited a $500.00 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 satisfaction. While this communication isintended to present the facts o f the situation, we would also like to express our appreciation for yourbusiness.Sincerely,Alison ** S[redacted]Market Manager and Vice PresidentFirst National Bank of Pennsylvania
Please accept this letter in response to the complaint you filed with the CFPB on November 10, 2015,regarding your checking account with First National Bank of Pennsylvania (FNB). This letter willaddress the issues cited in your complaint and an explanation for the response provided.Issue...
-Availability of FundsThis response concerns your stated issue of being charged $407 in Overdraft Fees (OD Fees) onNovember 10, 2015, for transactions that posted to your account on November 9, 2015.FNB determined that you deposited a $420 transit check (non-FNB Check) via ATM on Saturday,November 7, 2015, at 3:17 pm. According to our Funds Availability Policy, these funds were notavailable until Tuesday, November 10, 2015, which you acknowledged in your letter. The beginningavailable balance in your account on Monday, November 9, 2015, was $1,258.11. A check in the amountof $860 was presented which brought the balance to $398.11. Next, a check for $343.30 was paid andyour balance decreased to $54.81. The remaining 11 items posted on November 9, 2015 (in the amountsof $85, $60, $49.68, $29.50, $28.69, $15, $7.44, $6.08, $5.71, $5.06, and $4.70) totaled $296.86 and werepresented for payment. These items overdrew your account which resulted in multiple overdraft feestotaling $407.On July 28, 2015, FNB previously issued you a one-time courtesy refund of OD Fees. Because the ODFees referenced in this complaint were not caused by a bank error, no refund can be issued.While this communication is intended to present the facts of the situation and the reasoning for ourdecision not to provide a refund, we hope that you will provide us the opportunity to continue servingyou. If you have any additional questions or if you would like to discuss the options we have available toavoid overdrafts in the future, feel free to contact me at ###-###-####.Sincerely,Market Manager[redacted]###-###-####"Relationships Built On Trust"™
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]