Please accept this letter in response to the complaint you filed with the Revdex.com on May26, 2016 regarding the overdraft fees (OD Fees) assessed to your account with First National Bank ofPennsylvania (“FNB”).As stated in your complaint, the $50 payment to Capital One on April 22,...
2016, overdrew yourchecking account ending in 5965 and on April 25, 2016, this transaction was returned due toinsufficient funds. As a result, on April 25, 2016 an OD Fee of $37 was assessed to your account.Every three days that your account remained overdrawn a continuous OD Fee of $12 was assessed toyour account. Per our conversation on May 27, 2016, FNB agreed as a courtesy, to refund all OD Feescharged and close your account.We hope this response to your complaint meets your satisfaction. While this communication is intendedto present the facts of the situation, we would also like to express our appreciation for your business andhope that you will provide us the opportunity to continue serving you.Sincerely,Susan ** D[redacted]Vice PresidentMarket ManagerFirst National Bank
The bank claims I did not have available funds until 10 November 2015 which is why they charged me overdraft fee's totaling in 481.00 dollars. However, according to my account statement from the bank, all deposited funds were available on 09 November 2015. I was not charged any fees until after on the 10th. I have numerous copies of my statement proving this to be true which I can provide.
This letter is a follow-up to your complaint dated May 14’2015 to the Better BusinessBureau. After our conversation on May 29th, the charges were to be reversed and youraccount credited. Today, we have reviewed your account and confirmed that the chargesin the amount of $194.00 were indeed credited...
on May 29, 2015.We appreciate your business and look forward to serving you in the future with yourbanking needs. As mentioned in my e-mail from May 291', please do not hesitate tocontact me with any questions or concerns.[redacted]Senior Vice PresidentMarket Manager
Please accept this letter in response to the complaint that you filed with the Revdex.com on January 6, 2017. Your complaint is in regard to the automatic payment withdrawals from your checking account for your loan at Regency Finance Company ("RFC") on your account ending in [redacted]....
During a review of your account, we did not locate prior written or oral notifications from you requesting that RFC not process phone payments from your checking account. RFC will respectfully adhere to your request. Enclosed is a copy of the payment history regarding this account for your reference. In speaking with the manager of the office, he confirmed he spoke to you and conveyed the same information to you. RFC will no longer process funds from the checking account per your request. Should you need any additional information, please contact Robert K[redacted], Regional Manager, at ###-###-####. You may also contact me at the number listed in my signature line. We hope this response to your complaint meets your satisfaction. While this communication is intended to present the facts of the situation, we would also like to express our appreciation for your business. Sincerely, Rick M[redacted] Vice President, Quality Control Manager/Compliance Officer Regency Finance Company ###-###-####
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.I do not understand what they did to investigate this matter. In their response they do not mention speaking with employees and asking if anyone gave me this incorrect information. Also at this point why would an employeea admit it?I am attaching the business card of the [redacted] rep who can further attest that we were given this incorrect pay off balance.
Regards,
[redacted]
This letter is in response to the complaint received by First National Bank of Pennsylvania(FNB) on March 14,2016, from the Revdex.com on your behalf. This letter serves asour response to this matter.On Saturday, February 20,2016, a $60 cash deposit was made to your checking account...
endingin 3633 via an ATM, those funds were not considered received until Monday, February 22,2016and not available until Tuesday, February 23, 2016. FNB’s Funds Availability Process wasdisclosed to you in the Deposit Account Agreement, this process was further explained duringour March 15, 2016, phone conversation. As a courtesy, $37 was refunded to your checkingaccount on March 16, 2016.If you have any questions please contact me directly at ###-###-####.
To all they have not told the truth and honesty. The first problem was when First National Bank took over Metro they sent out a payment through the bill pay dated not to go out on April 1,2016 and they sent it out on February 1,2016 and charge me 35.00 overdraft fee and it was their fault and dud not fix it, then being they sent the bill pay out to early and charge me fee of 35.00 and then being the account was overdraw they then charge me a 111.00 fee. This bank know my Military check does not go into the bank tiil the 1st and I never scehdule any payment till the forst or after.By thime it was over and done with all the fees my accout was negative $1200.00 for all their fees and which is outrages. They sent me emails through their site that they sent out letter and their booklet oabout them and all the fees.And as we stanfd now with all their fees they have my account at negative $1000.00. I need someone to go in and check out things cause I refuse to to apy these outrages fees. And when I called to talk to te manager the excuse was that she was not there and she was the only mamager trying to run three banks till they get new managers.I get $3068.00 amonth in my pension and I have money to pay everything but the way they did anddiong things with all their outrages fees no one can afford.And when I called and ask to stop payments on theingsor for them to close my account they claim they cannot do either.So with all this I hoping someone investigate this and a;ll the outrages fees they are charging.I have never in my life had trouble with a bank till now.The first National Bank here in Harrisbyrg, Pa is the worst bank in with all their putrages fees.I legelly do not know how they are allow to charge fees like 111.00 overdrafts in one draw and and 115.00 in another draw.I am apply to this being I haoping someone is out there to help the customer or citizen instead allowing these banks and company to proceed in charging out rages fees!Sincerely and Thankyou
Please accept this letter in response to the complaint that was filed with the Revdex.com onJuly 22, 2016, regarding Regency Finance Company's same as cash program on his account ending in[redacted]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[redacted]Vice President, Quality Control Manager/Compliance OfficerRegency Finance Company
Please accept this letter in response to the complaint that you filed with the Revdex.com onNovember 29,2016, regarding the collection activities for your loan at Regency Finance Company (RFC)on your account ending in [redacted]During a review of your account, we did not note any prior...
written or oral notifications from yourequesting that RFC not contact you at your home for debt collection purposes. RFC will respectfullyadhere to your request.Enclosed is a copy of your payment history regarding this account. As you can see, there are numerousnon-sufficient fund checks associated with your account, as well as, partial payments which caused youraccount to go into a delinquent status. Though we appreciate the effort made on your account, weneed the total monthly payment each month to ensure your credit status is not affected. If you arelooking for a hardship reclassification of your account, contact the branch manager, at our Greensburlocation at ###-###-#### for an updated application.We hope this response to your complaint meets your satisfaction. While this communication isintended to present the facts of the situation, we would also like to express our appreciation for yourbusiness.
We have received a copy of your communication from the Revdex.comregarding the status of your account number ending in [redacted].Upon reviewing your account, we have found the following:On May 9, 2016 you were notified by email from our Customer Service area that youneeded to completed steps...
to insure functionality for your mobile device tied to your FirstNational Bank accounts. You responded the same day that you understood what neededcompleted. On May 12, 2016 you used your mobile banking device to review allaccounts that you hold with First National Bank including pending transactions.On May 13, 2016 a bill payment item payable to [redacted] for $116.00 was presented forpayment and at 9:18 pm on the same day a transfer was created from checking accountending in [redacted]. Since the transfer was not initiated until after the Bank’s cut off time of8:00 pm. This is why your account incurred an overdraft fee.As a courtesy to you, on May 20, 2016 refunds totaling $49.00 were generated for youraccount to take the balance to zero.Thank you for taking the time to share this valuable information.Nicholas ** L[redacted]
Please accept this letter in response to the complaint that you filed with the Revdex.com(Revdex.com) on June 6, 2017, regarding returned item fees and balance consistency on your checking accountending in 0011 at First National Bank of Pennsylvania (FNB).On June 5,2017, your ending balance was...
$11.25. To determine your available balance for June 6, 2017,we take your ending balance from the prior business day plus or minus any pre-authorized debits oravailable credits. Your available balance to pay items on June 6, 2017 was $11.25. From your availablebalance your account was presented with one item totaling $20.00, which posted to your accountleaving a negative balance of $8.75. The returned item fee charged to your account on June 7, 2017, of$37.00 was caused by the following transaction amounts: $20.00. The returned item fee was incurredper the deposit account agreement and personal fee schedule, provided to you at account opening andenclosed for reference.On June 6,2017, your ending balance was $3.25. To determine your available balance for June 7,2017,we take your ending balance from the prior business day plus or minus any pre-authorized debits oravailable credits. Your available balance to pay items on June 7, 2017 was $3.25. A cash deposit of$20.00 was posted to your account ending 0011 and the $20.00 item was returned for non-sufficientfunds and credited to your account, leaving a balance of $43.25. From your available balance youraccount was presented with two items, totaling $47.67, which posted to your account leaving a negativebalance of $4.42.On June 7,2017, your ending balance was negative $4.42. To determine your available balance for June8, 2017, we take your ending balance from the prior business day plus or minus any pre-authorizeddebits or available credits. Your available balance to pay items on June 8, 2017 was negative $4.42. Fromyour available balance your account was presented with one item, the $20.00 check previously returnedfor non-sufficient funds, which posted to your account leaving a negative balance of $24.42. On June 9,2017, the $20.00 item was returned a second time for non-sufficient funds and credited to accountending 0011. The returned item fee charged to your account on June 9,2017, of $37.00 was caused bythe following transaction amounts: $20.00.On June 6, 2017, you discussed the returned item, the returned item fees, bank hours and how/whenthe above transactions posted to your account, in addition to FNB's refund policy, via telephone withEileen [redacted] (Branch Manager, Forest City branch). Ms. [redacted] explained that you had received acourtesy refund and no further refunds would be given unless there was a bank error or fraud onaccount ending 0011. You indicated your dissatisfaction with the conversation and requested a call fromMs. [redacted]'s manager.On June 19, 2 0 1 7 ,1 spoke with you via telephone. We discussed FNB's refund policy and how thetransactions listed above caused returned items and returned item fees. I reiterated that you hadreceived a previous courtesy refund and would not receive another. You again expressed yourdissatisfaction with the conversation.On July 28, 2016 FNB issued you a one-time courtesy refund of overdraft fees. Due to the feesreferenced in this complaint not being caused by a bank error, no additional refund can be issued.We hope this response to your complaint meets your satisfaction. While this communication is intendedto present the facts of the situation, wu would also like to express our appreciation for your business andour hope that you will continue to allow us to serve your financial needs.Sincerely,Sandy W[redacted]Vice PresidentMarket Manager, Capital RegionFirst National
After reviewing your letter, we are led to believe that you intended to contact a different First National Bank, specifically, First National Bank of Mifflintown. We are First National Bank of Pennsylvania. We have provided you the contact information (below) for First National Bank of Mifflintown...
and strongly encourage you to give them a call to confirm you have the correct bank and mailing address prior to mailing your concerns. If you did intend to contact us at First National Bank of Pennsylvania, feel free to call our Customer Service number for further assistance: ###-###-####. First National Bank of Mifflintown ###-###-#### [redacted] Thank you, Rebecca C[redacted] Problem Resolution and Escalated Response Administrator Consumer Banking Solutions First National Bank
This letter is in response to the complaint received by First National Bank of Pennsylvania(FNB) on March 17, 2016, from the Revdex.com on your behalf. This letter serves asour response to this matter.On March 3, 2016 you attempted to close your account however there were pending items...
thatwere in process $10.59 [redacted], $9.20 [redacted] and $39.95 [redacted]. Due to the account nothaving enough funds to pay these pending items, your account was charged $111.00 inoverdrafts fees which was refunded on March 18, 2016 and $36.00 in continuous overdraft fees,which $12.00 was refunded on March 18, 2016. We have refunded the additional $24.00 onMarch 23,2016 in continuous overdraft fees however the account remains in the negative $61.15due the purchases made.If you have any specific questions please contact me directly at ###-###-####.Sincerely,Kristen M[redacted]Vice President
Dear Ms. [redacted]Please accept this letter in response to the complaint you tiled with the Revdex.com onOctober 13, 2016, regarding a missing check for $35.00 from your deposit made on October 7, 2016 atFirst National Bank of Pennsylvania (FNB).We apologize that your deposit was...
mishandled, which caused a $35.00 debit correction to youraccount on October 7, 2016. Per your conversation with the Manager at Hampden Center on October24, 2016, your account ending in 0417 was credited $35.00.If you additional questions or concerns, please reach out the Hampden Center’s branch manager at [redacted].We hope this response to your complaint meets your satisfaction. While this communication isintended to present the facts of the situation, we would also like to express our appreciation for yourbusiness.Sincerely,Kristen M[redacted]Vice President and Market ManagerFirst National Bank o f Pennsylvania
We have received a copy of your communication from the Revdex.com regarding the statusof your account number ending in 0212.Upon reviewing your account, we have found the following:You made a deposit on Friday, July 31, 2015 at 10:00 p.m. at the First National Bank ATM on JameswayRoad in...
Ebensburg, thus making those funds not available to pay items until the next business day. Youravailable balance on August 4, 2015 was $1.28, minus an online payment to [redacted] which totaled$136.43, which left you with a -$135.15 in collected funds to cover all transactions. This item incurred a$37.00 fee for non-collected funds.The Bank shows your deposit as of the day it is received. However, please keep in mind, it was notavailable as collected funds to pay for any of the items processed that day. As stated in the DepositAccount Agreement, deposits must be made before 7:30 p.m. ET on a business day to receive next dayavailability of funds. If you make a deposit after 7:30 p.m. ET, or on a day we are not open, we willconsider that the deposit was made on the next business day we are open. Please understand thatSaturdays are not considered a business day, as we are open only as a customer convenience.Since our statements do not show the difference between collected and non-collected funds specifically,your statement showed a balance of $141.28 on August 3rd.First National Bank's funds availability schedule has been explained to you in the past, specifically onJune 19, 2013 and on September 12, 2013. However, as a one-time courtesy, we have credited youraccount the $37.00 overdraft fee.Please feel free to contact us with any further questions.
Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) onApril 24,2017, regarding your loan ending [redacted] at First National Bank of Pennsylvania (FNB) successor bymerger to Yadkin Bank and NewBridge Bank.In January of 2017, you paid the remaining...
$600.00 balance of your charged off loan ending [redacted] throughNewBridge Bank, successor by merger to Yadkin Bank. Yadkin correctly updated your credit bureau file withinformation that this debt was "paid as agreed".FNB and Yadkin/NewBridge merged on March 11, 2017. In April of 2017, you noticed FNB was reporting loanending [redacted] as delinquent and informed FNB. On April 24, 2017 you placed a complaint through the Revdex.com forthe issue.In research of the issue, it was determined that FNB reported the interest from loan ending [redacted] as beingdelinquent. Upon receiving your complaint and investigating the issue, FNB determined that your loan endingin [redacted] should not be reported as delinquent On April 28, 2017, FNB removed this debt and negativereporting from your credit file.We hope this response to your complaint meets your satisfaction. While this communication is intended topresent the facts of the situation, we would also like to express our appreciation for your business and ourhope that you will continue to allow us to serve your financial needs.Sincerely,Kim S[redacted]Asset Recovery Manager, AVPFirst National Bank
Please accept this letter in response to the complaint that you filed with the Revdex.com onNovember 23, 2016, regarding account fees assessed to your checking accounts at First National Bank ofPennsylvania (FNB).Our research indicated that from September 1, 2016, through November 30,...
2016, the fees assessed toyour accounts were a result of insufficient funds in your accounts, at the time, items were presentedand were not related to a bank error. The amount of the overdraft fees (OD Fees) assessed during thistime period was $565.00. The breakdown of the fees assessed to each account is referenced below:• Checking account ending in [redacted]4 OD Fees at $37.00 per item13 continuous OD Fees at $12.00 (charged every 3 days that the account remains overdrawn)• Checking account ending in [redacted]3 OD Fees at $37.00 per item15 overdraft protection transfer fees at $10.00 per occurrenceDecember 2, 2016, we attempted to reach you at the phone number and email provided. As of thisletter you have not responded to the request to contact me.We hope that this response to your complaint meets your satisfaction. While this communication isintended to present the facts of the situation, we would like to express our appreciation for yourbusiness. If I can be of any further assistance please do not hesitate to contact me directly at thenumber referenced below.Charles B[redacted]
Dear Mr. [redacted],Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on January 30, 2018, regarding an unauthorized transaction, overdraft fees (OD Fees) and continuous overdraft fees (COD Fees) on your checking account at First National Bank of...
Pennsylvania (FNB).On January 30,2018, you called FNB's Customer Service Center at [redacted] to advise us that an unauthorized check in the amount of $83.74 to Walmart had posted to your checking account on January 23, 2018. During that conversation, you provided an Oral Notification of Unauthorized ACH (Automatic Clearing House or electronic check), stating that you had not written a check to Walmart. The FNB customer service representative explained that a Written Statement of Unauthorized Debit Form (WSUD Form) would be sent to you via mail and your signature would be required in order to dispute the unauthorized charge within ten business days, on or before February 13, 2018. The customer service representative further explained that any overdraft fees (OD Fees) or continuous overdraft fees (COD Fees) could be refunded once the $83.74 check was confirmed as unauthorized.On February 8,2018, Terri T[redacted], Branch Manager of the Sewickley Office, contacted you via telephone to determine whether you had received the WSUD Form and had returned it to FNB. You indicated that you had sent the form via mail on February 6, 2018.On February 9, 2018, we received the signed WSUD form. The unauthorized check was returned and your checking account was credited the full amount of $83.74. Additionally, a refund totaling $61.00 was credited to your account for one $37.00 OD Fee and two $12.00 COD Fees caused by the unauthorized check.We hope this response to your complaint meets your satisfaction. While 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,Gerry G[redacted] Vice President, Market Manager Pittsburgh Region First National Bank
Please accept this letter in response to the complaint you filed with the Revdex.com on April13, 2017. The purpose of this communication is to address the issues cited in your complaint regardingthe same-as-cash (SAC) option and interest charges on your account with Regency Finance...
Company(RFC).Upon researching payment history on your account, we did not receive the minimum monthly paymentof $159.00 on your account covering the February 3, 2017 and March 3, 2017 statement periods. Thereis a 10-day grace period, which would have extended the expiration through March 11, 2017. We did notreceive the next payment until March 15, 2017.The payment received on March 15, 2017 would have paid off the account under the SAC option. As acustomer courtesy, we are willing to accept this as the payoff and re-instate the SAC option on youraccount.We hope this response to your complaint meets your satisfaction. While this communication is intendedto present the facts of the situation, we would also like to express our appreciation for your business andour hope that you will consider giving us the opportunity to serve you again in the future.Sincerely,Rick M[redacted]Vice President, Quality Control Manager/Compliance OfficerRegency Finance Company
Please accept this letter in response to the complaint you filed with the Revdex.com on May26, 2016 regarding the overdraft fees (OD Fees) assessed to your account with First National Bank ofPennsylvania (“FNB”).As stated in your complaint, the $50 payment to Capital One on April 22,...
2016, overdrew yourchecking account ending in 5965 and on April 25, 2016, this transaction was returned due toinsufficient funds. As a result, on April 25, 2016 an OD Fee of $37 was assessed to your account.Every three days that your account remained overdrawn a continuous OD Fee of $12 was assessed toyour account. Per our conversation on May 27, 2016, FNB agreed as a courtesy, to refund all OD Feescharged and close your account.We hope this response to your complaint meets your satisfaction. While this communication is intendedto present the facts of the situation, we would also like to express our appreciation for your business andhope that you will provide us the opportunity to continue serving you.Sincerely,Susan ** D[redacted]Vice PresidentMarket ManagerFirst National Bank
The bank claims I did not have available funds until 10 November 2015 which is why they charged me overdraft fee's totaling in 481.00 dollars. However, according to my account statement from the bank, all deposited funds were available on 09 November 2015. I was not charged any fees until after on the 10th. I have numerous copies of my statement proving this to be true which I can provide.
This letter is a follow-up to your complaint dated May 14’2015 to the Better BusinessBureau. After our conversation on May 29th, the charges were to be reversed and youraccount credited. Today, we have reviewed your account and confirmed that the chargesin the amount of $194.00 were indeed credited...
on May 29, 2015.We appreciate your business and look forward to serving you in the future with yourbanking needs. As mentioned in my e-mail from May 291', please do not hesitate tocontact me with any questions or concerns.[redacted]Senior Vice PresidentMarket Manager
Please accept this letter in response to the complaint that you filed with the Revdex.com on January 6, 2017. Your complaint is in regard to the automatic payment withdrawals from your checking account for your loan at Regency Finance Company ("RFC") on your account ending in [redacted]....
During a review of your account, we did not locate prior written or oral notifications from you requesting that RFC not process phone payments from your checking account. RFC will respectfully adhere to your request. Enclosed is a copy of the payment history regarding this account for your reference. In speaking with the manager of the office, he confirmed he spoke to you and conveyed the same information to you. RFC will no longer process funds from the checking account per your request. Should you need any additional information, please contact Robert K[redacted], Regional Manager, at ###-###-####. You may also contact me at the number listed in my signature line. We hope this response to your complaint meets your satisfaction. While this communication is intended to present the facts of the situation, we would also like to express our appreciation for your business. Sincerely, Rick M[redacted] Vice President, Quality Control Manager/Compliance Officer Regency Finance Company ###-###-####
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.I do not understand what they did to investigate this matter. In their response they do not mention speaking with employees and asking if anyone gave me this incorrect information. Also at this point why would an employeea admit it?I am attaching the business card of the [redacted] rep who can further attest that we were given this incorrect pay off balance.
Regards,
[redacted]
This letter is in response to the complaint received by First National Bank of Pennsylvania(FNB) on March 14,2016, from the Revdex.com on your behalf. This letter serves asour response to this matter.On Saturday, February 20,2016, a $60 cash deposit was made to your checking account...
endingin 3633 via an ATM, those funds were not considered received until Monday, February 22,2016and not available until Tuesday, February 23, 2016. FNB’s Funds Availability Process wasdisclosed to you in the Deposit Account Agreement, this process was further explained duringour March 15, 2016, phone conversation. As a courtesy, $37 was refunded to your checkingaccount on March 16, 2016.If you have any questions please contact me directly at ###-###-####.
To all they have not told the truth and honesty. The first problem was when First National Bank took over Metro they sent out a payment through the bill pay dated not to go out on April 1,2016 and they sent it out on February 1,2016 and charge me 35.00 overdraft fee and it was their fault and dud not fix it, then being they sent the bill pay out to early and charge me fee of 35.00 and then being the account was overdraw they then charge me a 111.00 fee. This bank know my Military check does not go into the bank tiil the 1st and I never scehdule any payment till the forst or after.By thime it was over and done with all the fees my accout was negative $1200.00 for all their fees and which is outrages. They sent me emails through their site that they sent out letter and their booklet oabout them and all the fees.And as we stanfd now with all their fees they have my account at negative $1000.00. I need someone to go in and check out things cause I refuse to to apy these outrages fees. And when I called to talk to te manager the excuse was that she was not there and she was the only mamager trying to run three banks till they get new managers.I get $3068.00 amonth in my pension and I have money to pay everything but the way they did anddiong things with all their outrages fees no one can afford.And when I called and ask to stop payments on theingsor for them to close my account they claim they cannot do either.So with all this I hoping someone investigate this and a;ll the outrages fees they are charging.I have never in my life had trouble with a bank till now.The first National Bank here in Harrisbyrg, Pa is the worst bank in with all their putrages fees.I legelly do not know how they are allow to charge fees like 111.00 overdrafts in one draw and and 115.00 in another draw.I am apply to this being I haoping someone is out there to help the customer or citizen instead allowing these banks and company to proceed in charging out rages fees!Sincerely and Thankyou
Please accept this letter in response to the complaint that was filed with the Revdex.com onJuly 22, 2016, regarding Regency Finance Company's same as cash program on his account ending in[redacted]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[redacted]Vice President, Quality Control Manager/Compliance OfficerRegency Finance Company
Please accept this letter in response to the complaint that you filed with the Revdex.com onNovember 29,2016, regarding the collection activities for your loan at Regency Finance Company (RFC)on your account ending in [redacted]During a review of your account, we did not note any prior...
written or oral notifications from yourequesting that RFC not contact you at your home for debt collection purposes. RFC will respectfullyadhere to your request.Enclosed is a copy of your payment history regarding this account. As you can see, there are numerousnon-sufficient fund checks associated with your account, as well as, partial payments which caused youraccount to go into a delinquent status. Though we appreciate the effort made on your account, weneed the total monthly payment each month to ensure your credit status is not affected. If you arelooking for a hardship reclassification of your account, contact the branch manager, at our Greensburlocation at ###-###-#### for an updated application.We hope this response to your complaint meets your satisfaction. While this communication isintended to present the facts of the situation, we would also like to express our appreciation for yourbusiness.
We have received a copy of your communication from the Revdex.comregarding the status of your account number ending in [redacted].Upon reviewing your account, we have found the following:On May 9, 2016 you were notified by email from our Customer Service area that youneeded to completed steps...
to insure functionality for your mobile device tied to your FirstNational Bank accounts. You responded the same day that you understood what neededcompleted. On May 12, 2016 you used your mobile banking device to review allaccounts that you hold with First National Bank including pending transactions.On May 13, 2016 a bill payment item payable to [redacted] for $116.00 was presented forpayment and at 9:18 pm on the same day a transfer was created from checking accountending in [redacted]. Since the transfer was not initiated until after the Bank’s cut off time of8:00 pm. This is why your account incurred an overdraft fee.As a courtesy to you, on May 20, 2016 refunds totaling $49.00 were generated for youraccount to take the balance to zero.Thank you for taking the time to share this valuable information.Nicholas ** L[redacted]
Please accept this letter in response to the complaint that you filed with the Revdex.com(Revdex.com) on June 6, 2017, regarding returned item fees and balance consistency on your checking accountending in 0011 at First National Bank of Pennsylvania (FNB).On June 5,2017, your ending balance was...
$11.25. To determine your available balance for June 6, 2017,we take your ending balance from the prior business day plus or minus any pre-authorized debits oravailable credits. Your available balance to pay items on June 6, 2017 was $11.25. From your availablebalance your account was presented with one item totaling $20.00, which posted to your accountleaving a negative balance of $8.75. The returned item fee charged to your account on June 7, 2017, of$37.00 was caused by the following transaction amounts: $20.00. The returned item fee was incurredper the deposit account agreement and personal fee schedule, provided to you at account opening andenclosed for reference.On June 6,2017, your ending balance was $3.25. To determine your available balance for June 7,2017,we take your ending balance from the prior business day plus or minus any pre-authorized debits oravailable credits. Your available balance to pay items on June 7, 2017 was $3.25. A cash deposit of$20.00 was posted to your account ending 0011 and the $20.00 item was returned for non-sufficientfunds and credited to your account, leaving a balance of $43.25. From your available balance youraccount was presented with two items, totaling $47.67, which posted to your account leaving a negativebalance of $4.42.On June 7,2017, your ending balance was negative $4.42. To determine your available balance for June8, 2017, we take your ending balance from the prior business day plus or minus any pre-authorizeddebits or available credits. Your available balance to pay items on June 8, 2017 was negative $4.42. Fromyour available balance your account was presented with one item, the $20.00 check previously returnedfor non-sufficient funds, which posted to your account leaving a negative balance of $24.42. On June 9,2017, the $20.00 item was returned a second time for non-sufficient funds and credited to accountending 0011. The returned item fee charged to your account on June 9,2017, of $37.00 was caused bythe following transaction amounts: $20.00.On June 6, 2017, you discussed the returned item, the returned item fees, bank hours and how/whenthe above transactions posted to your account, in addition to FNB's refund policy, via telephone withEileen [redacted] (Branch Manager, Forest City branch). Ms. [redacted] explained that you had received acourtesy refund and no further refunds would be given unless there was a bank error or fraud onaccount ending 0011. You indicated your dissatisfaction with the conversation and requested a call fromMs. [redacted]'s manager.On June 19, 2 0 1 7 ,1 spoke with you via telephone. We discussed FNB's refund policy and how thetransactions listed above caused returned items and returned item fees. I reiterated that you hadreceived a previous courtesy refund and would not receive another. You again expressed yourdissatisfaction with the conversation.On July 28, 2016 FNB issued you a one-time courtesy refund of overdraft fees. Due to the feesreferenced in this complaint not being caused by a bank error, no additional refund can be issued.We hope this response to your complaint meets your satisfaction. While this communication is intendedto present the facts of the situation, wu would also like to express our appreciation for your business andour hope that you will continue to allow us to serve your financial needs.Sincerely,Sandy W[redacted]Vice PresidentMarket Manager, Capital RegionFirst National
After reviewing your letter, we are led to believe that you intended to contact a different First National Bank, specifically, First National Bank of Mifflintown. We are First National Bank of Pennsylvania. We have provided you the contact information (below) for First National Bank of Mifflintown...
and strongly encourage you to give them a call to confirm you have the correct bank and mailing address prior to mailing your concerns. If you did intend to contact us at First National Bank of Pennsylvania, feel free to call our Customer Service number for further assistance: ###-###-####. First National Bank of Mifflintown ###-###-#### [redacted] Thank you, Rebecca C[redacted] Problem Resolution and Escalated Response Administrator Consumer Banking Solutions First National Bank
This letter is in response to the complaint received by First National Bank of Pennsylvania(FNB) on March 17, 2016, from the Revdex.com on your behalf. This letter serves asour response to this matter.On March 3, 2016 you attempted to close your account however there were pending items...
thatwere in process $10.59 [redacted], $9.20 [redacted] and $39.95 [redacted]. Due to the account nothaving enough funds to pay these pending items, your account was charged $111.00 inoverdrafts fees which was refunded on March 18, 2016 and $36.00 in continuous overdraft fees,which $12.00 was refunded on March 18, 2016. We have refunded the additional $24.00 onMarch 23,2016 in continuous overdraft fees however the account remains in the negative $61.15due the purchases made.If you have any specific questions please contact me directly at ###-###-####.Sincerely,Kristen M[redacted]Vice President
Dear Ms. [redacted]Please accept this letter in response to the complaint you tiled with the Revdex.com onOctober 13, 2016, regarding a missing check for $35.00 from your deposit made on October 7, 2016 atFirst National Bank of Pennsylvania (FNB).We apologize that your deposit was...
mishandled, which caused a $35.00 debit correction to youraccount on October 7, 2016. Per your conversation with the Manager at Hampden Center on October24, 2016, your account ending in 0417 was credited $35.00.If you additional questions or concerns, please reach out the Hampden Center’s branch manager at [redacted].We hope this response to your complaint meets your satisfaction. While this communication isintended to present the facts of the situation, we would also like to express our appreciation for yourbusiness.Sincerely,Kristen M[redacted]Vice President and Market ManagerFirst National Bank o f Pennsylvania
We have received a copy of your communication from the Revdex.com regarding the statusof your account number ending in 0212.Upon reviewing your account, we have found the following:You made a deposit on Friday, July 31, 2015 at 10:00 p.m. at the First National Bank ATM on JameswayRoad in...
Ebensburg, thus making those funds not available to pay items until the next business day. Youravailable balance on August 4, 2015 was $1.28, minus an online payment to [redacted] which totaled$136.43, which left you with a -$135.15 in collected funds to cover all transactions. This item incurred a$37.00 fee for non-collected funds.The Bank shows your deposit as of the day it is received. However, please keep in mind, it was notavailable as collected funds to pay for any of the items processed that day. As stated in the DepositAccount Agreement, deposits must be made before 7:30 p.m. ET on a business day to receive next dayavailability of funds. If you make a deposit after 7:30 p.m. ET, or on a day we are not open, we willconsider that the deposit was made on the next business day we are open. Please understand thatSaturdays are not considered a business day, as we are open only as a customer convenience.Since our statements do not show the difference between collected and non-collected funds specifically,your statement showed a balance of $141.28 on August 3rd.First National Bank's funds availability schedule has been explained to you in the past, specifically onJune 19, 2013 and on September 12, 2013. However, as a one-time courtesy, we have credited youraccount the $37.00 overdraft fee.Please feel free to contact us with any further questions.
The attached response was mailed to the client on 7/22/16.
Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) onApril 24,2017, regarding your loan ending [redacted] at First National Bank of Pennsylvania (FNB) successor bymerger to Yadkin Bank and NewBridge Bank.In January of 2017, you paid the remaining...
$600.00 balance of your charged off loan ending [redacted] throughNewBridge Bank, successor by merger to Yadkin Bank. Yadkin correctly updated your credit bureau file withinformation that this debt was "paid as agreed".FNB and Yadkin/NewBridge merged on March 11, 2017. In April of 2017, you noticed FNB was reporting loanending [redacted] as delinquent and informed FNB. On April 24, 2017 you placed a complaint through the Revdex.com forthe issue.In research of the issue, it was determined that FNB reported the interest from loan ending [redacted] as beingdelinquent. Upon receiving your complaint and investigating the issue, FNB determined that your loan endingin [redacted] should not be reported as delinquent On April 28, 2017, FNB removed this debt and negativereporting from your credit file.We hope this response to your complaint meets your satisfaction. While this communication is intended topresent the facts of the situation, we would also like to express our appreciation for your business and ourhope that you will continue to allow us to serve your financial needs.Sincerely,Kim S[redacted]Asset Recovery Manager, AVPFirst National Bank
Please accept this letter in response to the complaint that you filed with the Revdex.com onNovember 23, 2016, regarding account fees assessed to your checking accounts at First National Bank ofPennsylvania (FNB).Our research indicated that from September 1, 2016, through November 30,...
2016, the fees assessed toyour accounts were a result of insufficient funds in your accounts, at the time, items were presentedand were not related to a bank error. The amount of the overdraft fees (OD Fees) assessed during thistime period was $565.00. The breakdown of the fees assessed to each account is referenced below:• Checking account ending in [redacted]4 OD Fees at $37.00 per item13 continuous OD Fees at $12.00 (charged every 3 days that the account remains overdrawn)• Checking account ending in [redacted]3 OD Fees at $37.00 per item15 overdraft protection transfer fees at $10.00 per occurrenceDecember 2, 2016, we attempted to reach you at the phone number and email provided. As of thisletter you have not responded to the request to contact me.We hope that this response to your complaint meets your satisfaction. While this communication isintended to present the facts of the situation, we would like to express our appreciation for yourbusiness. If I can be of any further assistance please do not hesitate to contact me directly at thenumber referenced below.Charles B[redacted]
Dear Mr. [redacted],Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on January 30, 2018, regarding an unauthorized transaction, overdraft fees (OD Fees) and continuous overdraft fees (COD Fees) on your checking account at First National Bank of...
Pennsylvania (FNB).On January 30,2018, you called FNB's Customer Service Center at [redacted] to advise us that an unauthorized check in the amount of $83.74 to Walmart had posted to your checking account on January 23, 2018. During that conversation, you provided an Oral Notification of Unauthorized ACH (Automatic Clearing House or electronic check), stating that you had not written a check to Walmart. The FNB customer service representative explained that a Written Statement of Unauthorized Debit Form (WSUD Form) would be sent to you via mail and your signature would be required in order to dispute the unauthorized charge within ten business days, on or before February 13, 2018. The customer service representative further explained that any overdraft fees (OD Fees) or continuous overdraft fees (COD Fees) could be refunded once the $83.74 check was confirmed as unauthorized.On February 8,2018, Terri T[redacted], Branch Manager of the Sewickley Office, contacted you via telephone to determine whether you had received the WSUD Form and had returned it to FNB. You indicated that you had sent the form via mail on February 6, 2018.On February 9, 2018, we received the signed WSUD form. The unauthorized check was returned and your checking account was credited the full amount of $83.74. Additionally, a refund totaling $61.00 was credited to your account for one $37.00 OD Fee and two $12.00 COD Fees caused by the unauthorized check.We hope this response to your complaint meets your satisfaction. While 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,Gerry G[redacted] Vice President, Market Manager Pittsburgh Region First National Bank
Please accept this letter in response to the complaint you filed with the Revdex.com on April13, 2017. The purpose of this communication is to address the issues cited in your complaint regardingthe same-as-cash (SAC) option and interest charges on your account with Regency Finance...
Company(RFC).Upon researching payment history on your account, we did not receive the minimum monthly paymentof $159.00 on your account covering the February 3, 2017 and March 3, 2017 statement periods. Thereis a 10-day grace period, which would have extended the expiration through March 11, 2017. We did notreceive the next payment until March 15, 2017.The payment received on March 15, 2017 would have paid off the account under the SAC option. As acustomer courtesy, we are willing to accept this as the payoff and re-instate the SAC option on youraccount.We hope this response to your complaint meets your satisfaction. While this communication is intendedto present the facts of the situation, we would also like to express our appreciation for your business andour hope that you will consider giving us the opportunity to serve you again in the future.Sincerely,Rick M[redacted]Vice President, Quality Control Manager/Compliance OfficerRegency Finance Company