We have received a copy o f your communication from the Revdex.com regarding the status of your accountsending in 1381 and 5580. After reviewing your accounts, we have found the following:On 08/24/2015, you filed disputes on 16 items from [redacted] with dates ranging from...
07/19/2015 through08/23/2015. Because you had prior relationships with this merchant you chose which items to dispute and which items werelegitimate. Temporary provisional credit totaling $604.00 was provided on 08/31/2015 for all of the disputed items. TheBank is still conducting its investigation which is due to expire in 90 days (11/17/2015) from your initial notification. Asecond checking account was opened for you at your request on 10/14/2015 as a courtesy so you would have access to fundsthat were being deposited.On 11/02/2015, the initial disputed account had been overdrawn for 49 days. Regardless of situation, the Bank’s policy is to“charge off ’ an account that has been continuously overdrawn for 49 days. At the time of the charge off, the bank reservesthe right to “use the money from any other account in which you hold an interest to pay the debt” . This is found in theDeposit Account Agreement. When the original, disputed account was charged off, funds were collected from the newaccount that was opened to off-set the amount owed to the bank. The charge off was not sent to Collections and will not besent until the disputes that were filed are resolved.The case will be resolved on 11/17/2015, at which time the action taken will depend on the outcome o f the disputes. If thedisputes are valid, the temporary provisional credit will become permanent and any fees assessed as a result o f the disputeditems will be refunded. If the disputes are not found to be valid, the temporary provisional credit will be reversed and theamount owed to the bank will be sent to Collections.
Hello, this is my fault. I have been traveling and honestly didn't realize I needed to input a comment, but the issue has been resolved. How do I open up to put that comment in? The manager was nice enough to reach out to me personally so don't want anyone to think this issue is outstanding. Thank you [redacted]
March 15,2018[redacted]Revdex.com Case# [redacted]Dear Ms. [redacted],Please accept this tetter in response to the complaint that you filed with the Revdex.com (Revdex.com) on March 1,2018, regarding overdraft fees (OD Fees) on your...
checking account at First National Bank of Pennsylvania (FNB).Online and mobile banking are optional services offered by FNB, which are designed to make managing your accounts simple and convenient. However, these optional services are not a substitution for standard accounting procedures. Only you, as the account owner, will have full knowledge of all debits, checks, ACH and debit card transactions being presented to your account. All transactions posted to your account and all fees assessed to your account were assessed in accordance with the deposit account agreement and personal fee schedule provided to you at the time of account opening (enclosed for reference).On February 20,2018, the ending balance for your checking account was $126.89. To determine your available balance for February 21, 2018, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available credits. Your available balance to pay items on February 21, 2018, was $126.89. From your available balance, your account was presented with thirteen items totaling $227.26, which posted to your account leaving a negative balance of $100.37. The OD Fees charged to your account on February 22,2018, totaling $370.00, were caused by the following transaction amounts: $141.32;$20.00; $17.96; $7.10; $7.10; $7.10; $4.94; $4.38; $4.10; $3.82; $3.34; $3.05 and $3.05. Pursuant to the deposit account agreement and personal fee schedule, the maximum number of OD Fees you can be charged per day is ten.On February 25,2018, the ending balance for your checking account was $551.80. To determine your available balance for February 26, 2018, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available credits. Your available balance to pay items on February 26, 2018, was $551.80. From your available balance, your account was presented with eighteen items totaling $621.74, which posted to your account leaving a negative balance of $69.94. The OD Fees charged to your account on February 27, 2018, totaling $370.00, were caused by the following transaction amounts: $318.50; $79.38; $40.00; $30.00; $30.00; $16.03; $15.00; $14.86; $14,00; $13.00; $12.99; 8.75; $7.58; $7.41; $4.99; $4.14; $3.49 and $1.62.On February 26, 2018, the ending balance for your checking account was negative $69.94. To determine your available balance for February 27, 2018, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available credits. Your available balance to pay Items on February 27, 2018, was negative $69.94. A PayPal transfer totaling $100.00 was credited to your account, bringing the available balance to $30.06. From your available balance, your account was presented with three items totaling $839.25, which posted to your account leaving a negative balance of $809.19. The OD Fees charged to your account on February 28, 2018, totaling $74.00, were caused by the following transaction amounts $463.68 and $5.57. Pursuant to the deposit account agreement and personal fee schedule, your checking account was assessed one, $12.00 continuous overdraft fee (COD Fee) on February 28,2018, as the account maintained a negative balance for three business days.On March 1,2018, I spoke with you via telephone regarding your checking account. We discussed overdraft services. I advised you that your account was opted-out of overdraft services for your debit card purchases and ATM withdrawals, which would cause any debit card purchases and ATM withdrawals to be declined and not paid in to overdraft for your checking account if funds were not available. I further explained that recurring automatic clearing house (ACH) transactions would be paid into overdraft for your checking account. We discussed the transactions that caused your account to go in to a negative balance, which included the recurring student loan ACH payment of $141.32 and transfers to PayPal (current statement enclosed for reference). During this conversation, you advised me that you do not keep an accurate checking account ledger, instead utilizing FNB's mobile and online banking features to track your balance information. We discussed options to help you avoid OD Fees in the future, including opening a personal line of credit attached to your checking account as overdraft protection and keeping an accurate checking account ledger. I advised you that Ellen S[redacted], Branch Manager of the Lewistown Office, would follow-up with you via telephone to discuss how your account went in to a negative balance and how the OD Fees were assessed.On March 6, 2017, you spoke with Ms. S[redacted] via telephone. Ms. S[redacted] advised you that the recurring payment for your student loan and the transfers to PayPal were ACH transactions and therefore not covered under the overdraft services opt-out. The two of you discussed that your account was brought to a positive balance on February 23, 2018, with a deposit of $1,022.17, and that you had not accounted for the OD Fees totaling $370.00 assessed on February 22, 2018. This caused your account to become negative, as listed above. The negative balance of your checking account on February 27, 2018, as listed above, was also discussed including the OD and COD Fees. During this conversation, you advised Ms. S[redacted] that you used FNB's mobile and online banking to monitor your account. Ms. S[redacted] reminded you that the fees are calculated in both the online and mobile banking ledgers and you responded that you had made a mistake and did not wish to pay the OD and COD Fees.On March 15,2018, as a one-time courtesy, OD Fees in the amount of $370.00 were refunded to your account. No courtesy refunds will be issued going forward, unless a bank error occurs.As a follow-up to this letter, I will contact you via telephone no later than March 19,2018, to discuss accurate checking account ledger practices and other options to help avoid OD Fees in the future.We hope this response to your complaint meets your 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,Nick L[redacted] Market Manager Central Mountain Region First National Bank
Dear Mr. [redacted], Please accept this letter in response to the complaint you filed with the Revdex.com on January 18, 2017, regarding the order in which transactions are posted to your account at First National Bank of Pennsylvania (FNB). FNB has provided you its deposit account...
agreement and Truth in Savings disclosure which state how FNB processes transactions on your account. Signing a FNB signature card signifies your agreement to the terms set forth in both documents. FNB processes transactions on your account in order from highest dollar amount to lowest dollar amount. We’ve included an additional, full copy of this agreement for your review and to hopefully clarify any misunderstanding. The Deposit Account Agreement Disclosure section pertinent to your concern is also copied below: OVERDRAFTS/RETURNED ITEMS In connection with overdrafts, our determination of the account balance may be made at any time between presentment and our applicable deadline, and will only be made once each day Monday through Friday, except federal holidays. After deposits are posted to your account, we process and post checks and other debit items to your account in the following order: miscellaneous debits (internal debits, including certain automatic transfers); stop item charges and overdraft/returned item fees; returned deposited items; internet banking and wire transfers; foreign ATM fees; check, ATM, point-of-sale, and ACH withdrawals; money market withdrawals; wire transfer fees; account closing withdrawals; service charges; loan payments, overdraft protection fees; continuous overdraft fees; and certain other automatic transfers. We pay check, ATM, point-of-sale, and ACH debit items to your account in order from highest dollar amount to lowest dollar amount. All other debit items are posted to your account in order from lowest dollar amount to highest dollar amount. With respect to check, ATM, point-of-sale and ACH debit items, we group these items together in "batches" and pay them in order from the highest dollar amount to the lowest dollar amount within a batch, which results in multiple items posting to your account in a short time period. We may pay check, ATM, point-of-sale and ACH debit items in the sequence of highest dollar amount to lowest dollar amount, even if: (1) paying a particular check or other item results in an insufficient balance in your account to pay one or more other check, ATM, point-of-sale, ACH or other items that otherwise could have been paid out of your account; or (2) using a particular order results in the payment of fewer check, ATM, point-of-sale, ACH or other items or the imposition of additional fees. Checks and other items are posted to your account at the close of business Monday through Friday, except federal holidays. As a result, we do not necessarily process items in the order in which we receive them and transactions received after the close of business on Friday, Saturday, Sunday or Monday are posted to your account at the close of business on Monday As a one-time courtesy, FNB will waive the additional fees incurred due to your misunderstanding of how transactions are processed. Effective today, February 6, 2017, overdraft fees in the amount of $222.00 are waived from your account. This amount was calculated from the total overdraft fees assessed, $259.00, minus the fee you stated you expected to receive, $37.00. As a follow-up to this letter, the branch manager of the Thompsontown branch, Jamie B[redacted], will call you to further discuss your overdraft occurrences and how we can help you avoid future OD Fees. 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 consider giving us the opportunity to serve you again in the future. Thank you, Nicholas * L[redacted] Central Mountain Region Vice President,
Thank you for taking the time to notify us of your unsatisfactory experience with your MortgageApplication process. Again, we apologize for any inconvenience this may have caused. Thisletter confirms resolution of the issue and the steps taken as part o f the process.After reviewing the file, it...
appears that there was a delay between your written request for yourappraisal to be transferred to your new lender and our completion of that transfer. This delaywas caused by a miscommunication in regard to your new lender’s FHA ID. Without the correctID for this lender, we were unable to complete your request.We have sent you the last version o f your appraisal for your new lender to use and havecompleted the necessary transfers with FHA.We value your business and thank you for bringing your experience to our attention. We alwaysappreciate your feedback. If you need further assistance, you may contact me at ###-###-####.Thank you,[redacted]Regional Sales Manager
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.
Mr. H[redacted] certainly play fast and loose with the truth about this issue. He fails to mention that the Corporate Office stated that the problem was created by the manager of the Macedonia OH branch. He also failed to share that the complainant has advised him that his particular manager lied to him about the previous manager who he stated had been fired and called her a "[redacted]." Neither is true. Mr. H[redacted] also failed to mention that the current manager, while the complainant was doing a transaction at a branch teller's window was forced to come to his office even grabbing the complainant by the arm of his jacket and literally THREW him into his office so hard that the complainant who is diabetic and falls easily landed "spread eagle" on the manager's desk. Mr. H[redacted] also failed to mention that First National Bank is retaliating against the [redacted] family for reporting the manager's actions by announcing that the bank is closing our account on June 30, 2018. This man needs to be exposed and First National Bank needs to be exposed for their actions by allowing this complaint to be posted openly on the Revdex.com website to warn other elderly and disabled persons of the terrorism by this company which they had started. The complainant is yet not able to access their account online consistently, i.e. each and every day, as they had been able to since the account was opened and the branch managed by a fantastic non-threatening non-foul mouthed person who is believed to have prior service as a felon in a state prison.
Regards,
[redacted]
It was a pleasure speaking with you today. Please accept this letter in response to the complaint you filedwith the Revdex.com on April 23, 2016, regarding the overdraft fees assessed to your accountwith First National Bank of Pennsylvania (“FNB”). This letter will address the issues...
cited in yourcomplaint and an explanation for the response provided.FNB determined that after your deposit on March 19, 2016, you came in to close your checkingaccount ending in [redacted] but due to a coding error that did not occur. This enabled a debit from [redacted]for $10.59 to post to your account on April 15, 2016, which caused a $37 overdraft fee (OD Fee) andthree days later a $12 continuous OD Fee was also charged. On April 22, 2016, the $37 OD Fee and$12 continuous OD Fee was refunded which left your account overdrawn $10.59. On April 22, 2016and April 27, 2016 a $12 continuous OD Fee was assessed. Due to the bank error, we have creditedyou the $10.59 [redacted] fee as well as the two continuous OD Fees ($24). The account has been closedand you should have no further issues.We hope this response to your complaint meets your 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
Dear Mr. [redacted]:Please accept this letter in response to the Complaint that you filed with the Revdex.comon April 9, 2016, regarding overdraft Charges that were assessed to your checking account with FirstNational Bank of Pennsylvania (“FNB”). This letter will address the issue...
cited in your complaint andan explanation for the response provided.When we spoke on the phone recently we discussed a recurring debit on your checking account thatwas being disputed. This debit caused the checking account to become overdrawn, and subsequentoverdraft charges to be assessed to your account. During our conversation I provided you guidanceon how to formally dispute the transaction in question. Since that time a formal dispute was filedwith FNB. Provisional credit was given for the disputed unauthorized debit, and all of the overdraftcharges that resulted were rebated to your checking account.We hope that this response to your complaint meets your satisfaction. While this communication isintended to present the facts of the situation, we would like to express our appreciation for yourbusiness and hope that you will consider giving us the opportunity to serve you again in the future.If you have any additional questions, feel free to contact me at ###-###-####.Market Manager
January 23,2018[redacted]Revdex.com Case# [redacted]Dear Ms. [redacted],Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on January 10, 2018, regarding your loan account payments with...
First National Bank of Pennsylvania (FNB), successor by merger to Parkvale Bank.On February 18, 2012, your loan account was transferred to FNB from Parkvale Bank with a regular monthly payment of $263.98. This amount was paid monthly between March 1, 2012, and April 3, 2014. The amount of $264.00, or $0.02 in excess was paid to your loan account between May 5, 2014, and February 1,2016.The amount of $265.00, or $1.02 in excess was paid to your loan account between March 1,2016, and April 14, 2017. On May 12,2017, the regular payment amount of $263.98 was applied to your account. The amount of $264.00, or $0.02 in excess has been paid between June 9, 2017, and Oecember 22,2017. The total amount paid in excess from the transfer date, February 18,2012, through December 22, 2017, is $15.88. A copy of the payment history for your loan account is enclosed for your reference.The extra payment amount total of $15.88 would not change the original amortization schedule significantly, nor would it pay off the loan account sooner, though the last payment amount may be reduced.On January 22, 2018,1 left a two voicemail messages at [redacted] for you to call me to discuss the loan payments and amortization. I also sent a secure email to you at [redacted] providing you with your loan account payment history and an amortization schedule which reflects your payment history. As of the date of this letter, no return call or communication has been received. Please call me at [redacted] at your earliest convenience to discuss your loan account.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,Peter K[redacted]Market Manager Pittsburgh Region Firs
Please
accept this letter in response to the complaints you filed with the RevDex.com on March 27, 2017 and April 4, 2017, regarding unauthorized
charges and the related overdraft (OD) and continuous overdraft (COD) fees on
your checking account at First National Bank of Pennsylvania...
("FNB").Per
your conversation with the Personal Banking Representative at Simpson Ferry on
Monday, March 27, 2017 an ATM/Debit Dispute was filed for two transactions as
follows: $1.50 for [redacted] and $36.41 for [redacted]. The vendor who
charged these items refunded you a total of $36.41 on March 31, 2017. Please
find enclosed your account statement, the email correspondence between you and
the Simpson Ferry branch and a copy of the dispute for your reference.On
April 6, 2017, FNB closed your dispute and issued the remaining balance of $.30
as a permanent credit. A separate letter regarding the dispute closure was sent
to you on this date. FNB issued a refund of one OD fee in the amount of $37.00
and 2 COD fees in the amount of $24.00 to your account on April 6, 2017.Please
reach out the Branch Manager of the Simpson Ferry Office, Taryn W[redacted], at
###-###-#### with any questions or concerns.Kristen
M[redacted] Vice PresidentMarket Manager, Capital
Region First National BankWe
hope this response to your complaint meets your 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
consider giving us the opportunity to serve you again in the future.Thank you,
I have spoken to Mrs. [redacted] twice, once when I first came to the dundalk office in December and again on Monday June 29th. ** Attached you will find FNB Funds Availability and Mrs. [redacted]'s account statements for the last few months.When she came into the branch in December she had NSF's on her...
account, she told me she opted out when we merged so that her debit card would be declined if the funds were not available in her account. I tried to explain how the fees ended up on her account, when the card was swiped the funds were in the account some transactions take longer to clear then others, so when the transactions tried to post the account the funds were no longer there. For example there were checks that had cleared after the card was swiped. Mrs. [redacted] then told me she was closing all of her accounts because this was fraud. I apologized for this happening to her, again trying to explain why this had happened.I tried to explain to her that FNB does not clear on uncollected items like BCSB use to. I tried to explain options that FNB offers.Mrs. [redacted] came in on Monday about her NSF's fees. I have attached her statements for the last few months, to show her account history. I explained to Mrs. [redacted] that when deposits are made at the ATM the funds are not available immediately, it can take up to 48 hours from when the deposit is made. I told her if she ever needed to make a deposit when we were closed to use the night drop, those funds are processed differently. I did explain there was a sign on the ATM that explains FNB holds. * I have attached our Funds Availability** I have also explained if a customer has monthly payees that debit there account those companies could hold the funds the day prior to the withdraw.I have not given Mrs. [redacted] any fee's back.Jessy Mc[redacted]
October 6, 2016[redacted]Case Number: [redacted]Dear Ms. [redacted]Please accept this letter in response to the complaint you filed with the Revdex.com on September 13, 2016, regarding your checking account at First National Bank of Pennsylvania (FNB).On...
September 13, 2016, a dispute was filed for the following transaction: $385.00 payable to My Identity Shield. On September 21, 2016, the disputed transaction amount ($385.00) was provisionally credited back to your account ending in 7357. A later informing you of the process was mailed on the same day the provisional credit was applied.This was a preauthorized draft, which was presented with a valid account number, FNB did not authorize this payment, FNB honored it as a valid transaction. If you feel that your account has been compromised, we recommended closing this account and opening up a new one.If you additional questions or concerns, please reach out the Branch Manager at the Red Lion location [redacted].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 consider us the opportunity to serve you again in the future.Sincerely,Kristen M[redacted]Vice President/Market ManagerFirst National Bank of Pennsylvania
We have received a copy o f your communication from the Revdex.com regarding the status o f your accountsending in 1381 and 5580. After reviewing your accounts, we have found the following:On 08/24/2015, you filed disputes on 16 items from [redacted] with dates ranging from...
07/19/2015 through08/23/2015. Because you had prior relationships with this merchant you chose which items to dispute and which items werelegitimate. Temporary provisional credit totaling $604.00 was provided on 08/31/2015 for all o f the disputed items. TheBank is still conducting its investigation which is due to expire in 90 days (11/17/2015) from your initial notification. Asecond checking account was opened for you at your request on 10/14/2015 as a courtesy so you would have access to fundsthat were being deposited.On 11/02/2015, the initial disputed account had been overdrawn for 49 days. Regardless o f situation, the Bank’s policy is to“charge off ’ an account that has been continuously overdrawn for 49 days. At the time o f the charge off, the bank reservesthe right to “use the money from any other account in which you hold an interest to pay the debt” . This is found in theDeposit Account Agreement. When the original, disputed account was charged off, funds were collected from the newaccount that was opened to off-set the amount owed to the bank. The charge off was not sent to Collections and will not besent until the disputes that were filed are resolved.The case will be resolved on 11/17/2015, at which time the action taken will depend on the outcome of the disputes. If thedisputes are valid, the temporary provisional credit will become permanent and any fees assessed as a result o f the disputeditems will be refunded. If the disputes are not found to be valid, the temporary provisional credit will be reversed and theamount owed to the bank will be sent to Collections.
Please accept this
letter in response to the complaint that you filed with the RevDex.com (Revdex.com) on June 25, 2017, regarding the deposit account agreement and ATM
deposit polices on your checking account ending [redacted] with First National Bank
of Pennsylvania (FNB).On June 10,2016, you opened
checking account ending [redacted] at the Chippewa Branch with Assistant Branch
Manager Jo S[redacted]. At account opening, you endorsed the enclosed signature card,
which indicates you agreed to the terms set forth in the deposit account
agreement and that FNB provided at least one copy of the deposit account
agreement to you. The deposit account agreement, enclosed for reference,
explicitly discusses deposits made at ATM's in the ATM/ATM with TellerChat
section on page four.On June 29,2017, you
closed checking account ending [redacted]. 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,Gerard G[redacted]Market Manager, Pittsburgh Region First National Bank
Please accept this letter in response to the complaint we received from the Revdex.comregarding your account in our Richmond, Kentucky office. The purpose of this communication is toaddress the issues cited in your complaint regarding the same-as-cash option on your account.In your...
complaint, you stated that you did not receive the [redacted] from [redacted] prior to ourpurchase date on your account. According to the information Regency received from [redacted],your delivery date was 12/23/16. This is prior to our contract date on your account. Originally, [redacted] provided 12/18/16 as your delivery date.In light of this information from our dealer, we are willing to accept your same as cash payment, andyour account has no balance going forward.If you need any additional information, feel free to contact Regional Manager Mark M[redacted] at [redacted] or myself at the numbers listed below.Sincerely,Rick M[redacted]Vice President, Quality Control Manager/Compliance OfficerRegency Finance Company
Please accept this letter in response to the complaint you filed with the Revdex.com onNovember 16, 2016, regarding the status of your checking account at First National Bank ofPennsylvania (FNB).On November 10, 2016, your ending balance in your checking account ([redacted]) was $80.97....
Todetermine your available balance for November 14,2016, we take your ending balance from the priorbusiness day plus or minus any preauthorized debits or available credits. On November 13, 2016 youmade a mobile deposit of $25.00 at 10:22 am, however the 13th was a Sunday and funds from thisdeposit were not available till November 15, 2016. On November 14, 2016 your account was presentedwith the following transactions; $27.53, $23.92, $22.32 and $6.98 leaving a balance of $.22. Youraccount was also presented with four more point of sale transactions that day. These four transactionscaused your account to be overdrawn; $6,53, $5.03, $4.65 and $3.78 and your account incurred the fouroverdraft fees of $37.00 totaling $148.00.As a courtesy we will be refunding to your account two overdraft fees in the amount of $74.00. Pleasekeep in mind mobile deposits are available to you the next business day if the mobile deposit is madebefore 6:00 pm.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.
October 14,2016Case Number: [redacted]Dear Ms. [redacted],Please accept this letter in response to the complaint you filed with the Revdex.com onOctober 5, 2016, regarding your checking account at First National Bank of Pennsylvania (FNB).On October 6, 2016, you called the call center...
regarding the $7.56 PayPal transaction that postedto your account ending in 0815 on October 3, 2016. This transaction overdrew your account,which caused the $37.00 overdraft fee (OD Fee) on October 4, 2016, and the $12.00 ContinuousOD Fee on October 5, 2016. The agent advised that you could dispute the transaction, if you feltthe transaction was unauthorized, but your response was that you authorized the transaction andthere was nothing to dispute. In your complaint, you indicated that the $7.56 PayPal transactionwas unauthorized, action was taken, and our Uniontown Branch has been trying to reach you togather additional information.Our records indicate that your account does have overdraft services but is opted out of RegulationE, which does not authorize FNB to pay overdrafts on ATM transactions and everyday debit cardtransactions. However, checks and automated clearing house debit transactions made using yourchecking account number while your account is in an opt-out status can overdraw your accountand cause OD Fees. This is why your account was assessed an OD Fee for the PayPaltransaction.During the call the agent also informed you that you would not be able to close your account untilyour account was brought to a positive balance.Hopefully I have addressed your questions and concerns, but if you would like to discuss ouronline services further, please contact me at ###-###-####.We hope this response to your complaint meets your satisfaction. While this communication isintended to present the facts of the situation, we would also like to express our appreciation foryour business.Sincerely,Barbara G[redacted]VP Customer Service ManagerFirst National Bank of Pennsylvania
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:this has been taken care of forgot about this complaint the bank did take care of it thank you
I have reviewed the response made by the business in reference to complaint ID 11539535, and find that this resolution is satisfactory to me.
Regards,
Veronica Irons
We have received a copy of your communication from the Revdex.com regarding the statusof your account ending in 5133.Upon reviewing your account, we have found the following:August 15, 2015 - [redacted] and [redacted] came into the branch to discuss overdraftcharges/unauthorized...
items from [redacted]. [redacted] requested statements to show [redacted]that it was their debit transactions that overdrew their account. The account was first overdrawn onAugust 10. The transactions in question are time stamped August 11 and posted to their account August13. During this conversation, the Assistant Manager explained that credits will post before debits, andthat items post largest to smallest regardless of the time of day the transaction took place. She also toldher that any business transacted over a weekend is on the following Monday's business. The AssistantManager was unable to comply with [redacted]'s request to create a statement proving [redacted]transactions were the first overdraft on the account since the account history shows the account at anegative balance on August 10. The Assistant Manager offered to file dispute claims, but [redacted] chose totry to get in contact with [redacted] in order for the refund to be handled on their side. This was due tothe fact that it was explained to [redacted] that the Business Debit Card that was used must be closed whenfiling the disputes through FNB. [redacted] did not want the Debit Card closed. We agreed to waive thecontinuous OD fee until the hotel refunded the charges or disputes were filed with FNB. [redacted] alsostated that she had in her words "a large deposit" for the account, but was not going to deposit thisbecause she felt that the hotel and bank would be less apt to refund anything if the deposit was made.August 28, 2015 - disputes filed with FNB - debit card was closed.September 8, 2015 - provisional credit issued.September 17, 2015 - [redacted] called to speak with the Manager regarding some of the overdraft fees onthe account. Branch Manager explained that the time stamp on the transactions validated that theaccount was overdrawn prior to the [redacted] transactions. When requesting NSF fees, the Managerstated that only a total of 4 - $37.00 NSF fees could be refunded as those were attached to the disputedtransactions. [redacted] requested an exception refund for all of the fees accumulated over this time. TheManager stated that since there was no bank error, no additional fees would be refunded.September 21, 2015 - Manager contacted the customer to inform them that he had checked with hissupervisor and that the decision was that the four (4) NSF fees would be refunded as a result of the 4disputes/provisional credit items, but no additional NSF fees would be refunded, again, because this wasnot a bank error. During the conversation, [redacted] stated her intentions were to close the account.September 23, 2015 - [redacted] and [redacted] came in to close the account. The Assistant Manager wasworking a teller window and waited on them. Since the account was at a negative balance, [redacted] and[redacted] were told that we were unable to comply with their request to close the account until andunless the account was at a zero balance. The Assistant Manager advised them that after 49 days theaccount would be charged off and sent to collections. The account continued to accrue continuousoverdraft fees until it was charged off on September 28, 2015.Please feel free to contact us with any further questions.Sincerely,Madonna M[redacted]
We have received a copy o f your communication from the Revdex.com regarding the status of your accountsending in 1381 and 5580. After reviewing your accounts, we have found the following:On 08/24/2015, you filed disputes on 16 items from [redacted] with dates ranging from...
07/19/2015 through08/23/2015. Because you had prior relationships with this merchant you chose which items to dispute and which items werelegitimate. Temporary provisional credit totaling $604.00 was provided on 08/31/2015 for all of the disputed items. TheBank is still conducting its investigation which is due to expire in 90 days (11/17/2015) from your initial notification. Asecond checking account was opened for you at your request on 10/14/2015 as a courtesy so you would have access to fundsthat were being deposited.On 11/02/2015, the initial disputed account had been overdrawn for 49 days. Regardless of situation, the Bank’s policy is to“charge off ’ an account that has been continuously overdrawn for 49 days. At the time of the charge off, the bank reservesthe right to “use the money from any other account in which you hold an interest to pay the debt” . This is found in theDeposit Account Agreement. When the original, disputed account was charged off, funds were collected from the newaccount that was opened to off-set the amount owed to the bank. The charge off was not sent to Collections and will not besent until the disputes that were filed are resolved.The case will be resolved on 11/17/2015, at which time the action taken will depend on the outcome o f the disputes. If thedisputes are valid, the temporary provisional credit will become permanent and any fees assessed as a result o f the disputeditems will be refunded. If the disputes are not found to be valid, the temporary provisional credit will be reversed and theamount owed to the bank will be sent to Collections.
Hello, this is my fault. I have been traveling and honestly didn't realize I needed to input a comment, but the issue has been resolved. How do I open up to put that comment in? The manager was nice enough to reach out to me personally so don't want anyone to think this issue is outstanding. Thank you [redacted]
March 15,2018[redacted]Revdex.com Case# [redacted]Dear Ms. [redacted],Please accept this tetter in response to the complaint that you filed with the Revdex.com (Revdex.com) on March 1,2018, regarding overdraft fees (OD Fees) on your...
checking account at First National Bank of Pennsylvania (FNB).Online and mobile banking are optional services offered by FNB, which are designed to make managing your accounts simple and convenient. However, these optional services are not a substitution for standard accounting procedures. Only you, as the account owner, will have full knowledge of all debits, checks, ACH and debit card transactions being presented to your account. All transactions posted to your account and all fees assessed to your account were assessed in accordance with the deposit account agreement and personal fee schedule provided to you at the time of account opening (enclosed for reference).On February 20,2018, the ending balance for your checking account was $126.89. To determine your available balance for February 21, 2018, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available credits. Your available balance to pay items on February 21, 2018, was $126.89. From your available balance, your account was presented with thirteen items totaling $227.26, which posted to your account leaving a negative balance of $100.37. The OD Fees charged to your account on February 22,2018, totaling $370.00, were caused by the following transaction amounts: $141.32;$20.00; $17.96; $7.10; $7.10; $7.10; $4.94; $4.38; $4.10; $3.82; $3.34; $3.05 and $3.05. Pursuant to the deposit account agreement and personal fee schedule, the maximum number of OD Fees you can be charged per day is ten.On February 25,2018, the ending balance for your checking account was $551.80. To determine your available balance for February 26, 2018, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available credits. Your available balance to pay items on February 26, 2018, was $551.80. From your available balance, your account was presented with eighteen items totaling $621.74, which posted to your account leaving a negative balance of $69.94. The OD Fees charged to your account on February 27, 2018, totaling $370.00, were caused by the following transaction amounts: $318.50; $79.38; $40.00; $30.00; $30.00; $16.03; $15.00; $14.86; $14,00; $13.00; $12.99; 8.75; $7.58; $7.41; $4.99; $4.14; $3.49 and $1.62.On February 26, 2018, the ending balance for your checking account was negative $69.94. To determine your available balance for February 27, 2018, we take your ending balance from the prior business day plus or minus any pre-authorized debits or available credits. Your available balance to pay Items on February 27, 2018, was negative $69.94. A PayPal transfer totaling $100.00 was credited to your account, bringing the available balance to $30.06. From your available balance, your account was presented with three items totaling $839.25, which posted to your account leaving a negative balance of $809.19. The OD Fees charged to your account on February 28, 2018, totaling $74.00, were caused by the following transaction amounts $463.68 and $5.57. Pursuant to the deposit account agreement and personal fee schedule, your checking account was assessed one, $12.00 continuous overdraft fee (COD Fee) on February 28,2018, as the account maintained a negative balance for three business days.On March 1,2018, I spoke with you via telephone regarding your checking account. We discussed overdraft services. I advised you that your account was opted-out of overdraft services for your debit card purchases and ATM withdrawals, which would cause any debit card purchases and ATM withdrawals to be declined and not paid in to overdraft for your checking account if funds were not available. I further explained that recurring automatic clearing house (ACH) transactions would be paid into overdraft for your checking account. We discussed the transactions that caused your account to go in to a negative balance, which included the recurring student loan ACH payment of $141.32 and transfers to PayPal (current statement enclosed for reference). During this conversation, you advised me that you do not keep an accurate checking account ledger, instead utilizing FNB's mobile and online banking features to track your balance information. We discussed options to help you avoid OD Fees in the future, including opening a personal line of credit attached to your checking account as overdraft protection and keeping an accurate checking account ledger. I advised you that Ellen S[redacted], Branch Manager of the Lewistown Office, would follow-up with you via telephone to discuss how your account went in to a negative balance and how the OD Fees were assessed.On March 6, 2017, you spoke with Ms. S[redacted] via telephone. Ms. S[redacted] advised you that the recurring payment for your student loan and the transfers to PayPal were ACH transactions and therefore not covered under the overdraft services opt-out. The two of you discussed that your account was brought to a positive balance on February 23, 2018, with a deposit of $1,022.17, and that you had not accounted for the OD Fees totaling $370.00 assessed on February 22, 2018. This caused your account to become negative, as listed above. The negative balance of your checking account on February 27, 2018, as listed above, was also discussed including the OD and COD Fees. During this conversation, you advised Ms. S[redacted] that you used FNB's mobile and online banking to monitor your account. Ms. S[redacted] reminded you that the fees are calculated in both the online and mobile banking ledgers and you responded that you had made a mistake and did not wish to pay the OD and COD Fees.On March 15,2018, as a one-time courtesy, OD Fees in the amount of $370.00 were refunded to your account. No courtesy refunds will be issued going forward, unless a bank error occurs.As a follow-up to this letter, I will contact you via telephone no later than March 19,2018, to discuss accurate checking account ledger practices and other options to help avoid OD Fees in the future.We hope this response to your complaint meets your 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,Nick L[redacted] Market Manager Central Mountain Region First National Bank
Regency Finance Company has reviewed this matter, our position has not changed and consider this matter closed.
Dear Mr. [redacted], Please accept this letter in response to the complaint you filed with the Revdex.com on January 18, 2017, regarding the order in which transactions are posted to your account at First National Bank of Pennsylvania (FNB). FNB has provided you its deposit account...
agreement and Truth in Savings disclosure which state how FNB processes transactions on your account. Signing a FNB signature card signifies your agreement to the terms set forth in both documents. FNB processes transactions on your account in order from highest dollar amount to lowest dollar amount. We’ve included an additional, full copy of this agreement for your review and to hopefully clarify any misunderstanding. The Deposit Account Agreement Disclosure section pertinent to your concern is also copied below: OVERDRAFTS/RETURNED ITEMS In connection with overdrafts, our determination of the account balance may be made at any time between presentment and our applicable deadline, and will only be made once each day Monday through Friday, except federal holidays. After deposits are posted to your account, we process and post checks and other debit items to your account in the following order: miscellaneous debits (internal debits, including certain automatic transfers); stop item charges and overdraft/returned item fees; returned deposited items; internet banking and wire transfers; foreign ATM fees; check, ATM, point-of-sale, and ACH withdrawals; money market withdrawals; wire transfer fees; account closing withdrawals; service charges; loan payments, overdraft protection fees; continuous overdraft fees; and certain other automatic transfers. We pay check, ATM, point-of-sale, and ACH debit items to your account in order from highest dollar amount to lowest dollar amount. All other debit items are posted to your account in order from lowest dollar amount to highest dollar amount. With respect to check, ATM, point-of-sale and ACH debit items, we group these items together in "batches" and pay them in order from the highest dollar amount to the lowest dollar amount within a batch, which results in multiple items posting to your account in a short time period. We may pay check, ATM, point-of-sale and ACH debit items in the sequence of highest dollar amount to lowest dollar amount, even if: (1) paying a particular check or other item results in an insufficient balance in your account to pay one or more other check, ATM, point-of-sale, ACH or other items that otherwise could have been paid out of your account; or (2) using a particular order results in the payment of fewer check, ATM, point-of-sale, ACH or other items or the imposition of additional fees. Checks and other items are posted to your account at the close of business Monday through Friday, except federal holidays. As a result, we do not necessarily process items in the order in which we receive them and transactions received after the close of business on Friday, Saturday, Sunday or Monday are posted to your account at the close of business on Monday As a one-time courtesy, FNB will waive the additional fees incurred due to your misunderstanding of how transactions are processed. Effective today, February 6, 2017, overdraft fees in the amount of $222.00 are waived from your account. This amount was calculated from the total overdraft fees assessed, $259.00, minus the fee you stated you expected to receive, $37.00. As a follow-up to this letter, the branch manager of the Thompsontown branch, Jamie B[redacted], will call you to further discuss your overdraft occurrences and how we can help you avoid future OD Fees. 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 consider giving us the opportunity to serve you again in the future. Thank you, Nicholas * L[redacted] Central Mountain Region Vice President,
Thank you for taking the time to notify us of your unsatisfactory experience with your MortgageApplication process. Again, we apologize for any inconvenience this may have caused. Thisletter confirms resolution of the issue and the steps taken as part o f the process.After reviewing the file, it...
appears that there was a delay between your written request for yourappraisal to be transferred to your new lender and our completion of that transfer. This delaywas caused by a miscommunication in regard to your new lender’s FHA ID. Without the correctID for this lender, we were unable to complete your request.We have sent you the last version o f your appraisal for your new lender to use and havecompleted the necessary transfers with FHA.We value your business and thank you for bringing your experience to our attention. We alwaysappreciate your feedback. If you need further assistance, you may contact me at ###-###-####.Thank you,[redacted]Regional Sales Manager
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.
Mr. H[redacted] certainly play fast and loose with the truth about this issue. He fails to mention that the Corporate Office stated that the problem was created by the manager of the Macedonia OH branch. He also failed to share that the complainant has advised him that his particular manager lied to him about the previous manager who he stated had been fired and called her a "[redacted]." Neither is true. Mr. H[redacted] also failed to mention that the current manager, while the complainant was doing a transaction at a branch teller's window was forced to come to his office even grabbing the complainant by the arm of his jacket and literally THREW him into his office so hard that the complainant who is diabetic and falls easily landed "spread eagle" on the manager's desk. Mr. H[redacted] also failed to mention that First National Bank is retaliating against the [redacted] family for reporting the manager's actions by announcing that the bank is closing our account on June 30, 2018. This man needs to be exposed and First National Bank needs to be exposed for their actions by allowing this complaint to be posted openly on the Revdex.com website to warn other elderly and disabled persons of the terrorism by this company which they had started. The complainant is yet not able to access their account online consistently, i.e. each and every day, as they had been able to since the account was opened and the branch managed by a fantastic non-threatening non-foul mouthed person who is believed to have prior service as a felon in a state prison.
Regards,
[redacted]
It was a pleasure speaking with you today. Please accept this letter in response to the complaint you filedwith the Revdex.com on April 23, 2016, regarding the overdraft fees assessed to your accountwith First National Bank of Pennsylvania (“FNB”). This letter will address the issues...
cited in yourcomplaint and an explanation for the response provided.FNB determined that after your deposit on March 19, 2016, you came in to close your checkingaccount ending in [redacted] but due to a coding error that did not occur. This enabled a debit from [redacted]for $10.59 to post to your account on April 15, 2016, which caused a $37 overdraft fee (OD Fee) andthree days later a $12 continuous OD Fee was also charged. On April 22, 2016, the $37 OD Fee and$12 continuous OD Fee was refunded which left your account overdrawn $10.59. On April 22, 2016and April 27, 2016 a $12 continuous OD Fee was assessed. Due to the bank error, we have creditedyou the $10.59 [redacted] fee as well as the two continuous OD Fees ($24). The account has been closedand you should have no further issues.We hope this response to your complaint meets your 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
Dear Mr. [redacted]:Please accept this letter in response to the Complaint that you filed with the Revdex.comon April 9, 2016, regarding overdraft Charges that were assessed to your checking account with FirstNational Bank of Pennsylvania (“FNB”). This letter will address the issue...
cited in your complaint andan explanation for the response provided.When we spoke on the phone recently we discussed a recurring debit on your checking account thatwas being disputed. This debit caused the checking account to become overdrawn, and subsequentoverdraft charges to be assessed to your account. During our conversation I provided you guidanceon how to formally dispute the transaction in question. Since that time a formal dispute was filedwith FNB. Provisional credit was given for the disputed unauthorized debit, and all of the overdraftcharges that resulted were rebated to your checking account.We hope that this response to your complaint meets your satisfaction. While this communication isintended to present the facts of the situation, we would like to express our appreciation for yourbusiness and hope that you will consider giving us the opportunity to serve you again in the future.If you have any additional questions, feel free to contact me at ###-###-####.Market Manager
January 23,2018[redacted]Revdex.com Case# [redacted]Dear Ms. [redacted],Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on January 10, 2018, regarding your loan account payments with...
First National Bank of Pennsylvania (FNB), successor by merger to Parkvale Bank.On February 18, 2012, your loan account was transferred to FNB from Parkvale Bank with a regular monthly payment of $263.98. This amount was paid monthly between March 1, 2012, and April 3, 2014. The amount of $264.00, or $0.02 in excess was paid to your loan account between May 5, 2014, and February 1,2016.The amount of $265.00, or $1.02 in excess was paid to your loan account between March 1,2016, and April 14, 2017. On May 12,2017, the regular payment amount of $263.98 was applied to your account. The amount of $264.00, or $0.02 in excess has been paid between June 9, 2017, and Oecember 22,2017. The total amount paid in excess from the transfer date, February 18,2012, through December 22, 2017, is $15.88. A copy of the payment history for your loan account is enclosed for your reference.The extra payment amount total of $15.88 would not change the original amortization schedule significantly, nor would it pay off the loan account sooner, though the last payment amount may be reduced.On January 22, 2018,1 left a two voicemail messages at [redacted] for you to call me to discuss the loan payments and amortization. I also sent a secure email to you at [redacted] providing you with your loan account payment history and an amortization schedule which reflects your payment history. As of the date of this letter, no return call or communication has been received. Please call me at [redacted] at your earliest convenience to discuss your loan account.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,Peter K[redacted]Market Manager Pittsburgh Region Firs
Please
accept this letter in response to the complaints you filed with the RevDex.com on March 27, 2017 and April 4, 2017, regarding unauthorized
charges and the related overdraft (OD) and continuous overdraft (COD) fees on
your checking account at First National Bank of Pennsylvania...
("FNB").Per
your conversation with the Personal Banking Representative at Simpson Ferry on
Monday, March 27, 2017 an ATM/Debit Dispute was filed for two transactions as
follows: $1.50 for [redacted] and $36.41 for [redacted]. The vendor who
charged these items refunded you a total of $36.41 on March 31, 2017. Please
find enclosed your account statement, the email correspondence between you and
the Simpson Ferry branch and a copy of the dispute for your reference.On
April 6, 2017, FNB closed your dispute and issued the remaining balance of $.30
as a permanent credit. A separate letter regarding the dispute closure was sent
to you on this date. FNB issued a refund of one OD fee in the amount of $37.00
and 2 COD fees in the amount of $24.00 to your account on April 6, 2017.Please
reach out the Branch Manager of the Simpson Ferry Office, Taryn W[redacted], at
###-###-#### with any questions or concerns.Kristen
M[redacted] Vice PresidentMarket Manager, Capital
Region First National BankWe
hope this response to your complaint meets your 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
consider giving us the opportunity to serve you again in the future.Thank you,
I have spoken to Mrs. [redacted] twice, once when I first came to the dundalk office in December and again on Monday June 29th. ** Attached you will find FNB Funds Availability and Mrs. [redacted]'s account statements for the last few months.When she came into the branch in December she had NSF's on her...
account, she told me she opted out when we merged so that her debit card would be declined if the funds were not available in her account. I tried to explain how the fees ended up on her account, when the card was swiped the funds were in the account some transactions take longer to clear then others, so when the transactions tried to post the account the funds were no longer there. For example there were checks that had cleared after the card was swiped. Mrs. [redacted] then told me she was closing all of her accounts because this was fraud. I apologized for this happening to her, again trying to explain why this had happened.I tried to explain to her that FNB does not clear on uncollected items like BCSB use to. I tried to explain options that FNB offers.Mrs. [redacted] came in on Monday about her NSF's fees. I have attached her statements for the last few months, to show her account history. I explained to Mrs. [redacted] that when deposits are made at the ATM the funds are not available immediately, it can take up to 48 hours from when the deposit is made. I told her if she ever needed to make a deposit when we were closed to use the night drop, those funds are processed differently. I did explain there was a sign on the ATM that explains FNB holds. * I have attached our Funds Availability** I have also explained if a customer has monthly payees that debit there account those companies could hold the funds the day prior to the withdraw.I have not given Mrs. [redacted] any fee's back.Jessy Mc[redacted]
October 6, 2016[redacted]Case Number: [redacted]Dear Ms. [redacted]Please accept this letter in response to the complaint you filed with the Revdex.com on September 13, 2016, regarding your checking account at First National Bank of Pennsylvania (FNB).On...
September 13, 2016, a dispute was filed for the following transaction: $385.00 payable to My Identity Shield. On September 21, 2016, the disputed transaction amount ($385.00) was provisionally credited back to your account ending in 7357. A later informing you of the process was mailed on the same day the provisional credit was applied.This was a preauthorized draft, which was presented with a valid account number, FNB did not authorize this payment, FNB honored it as a valid transaction. If you feel that your account has been compromised, we recommended closing this account and opening up a new one.If you additional questions or concerns, please reach out the Branch Manager at the Red Lion location [redacted].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 consider us the opportunity to serve you again in the future.Sincerely,Kristen M[redacted]Vice President/Market ManagerFirst National Bank of Pennsylvania
We have received a copy o f your communication from the Revdex.com regarding the status o f your accountsending in 1381 and 5580. After reviewing your accounts, we have found the following:On 08/24/2015, you filed disputes on 16 items from [redacted] with dates ranging from...
07/19/2015 through08/23/2015. Because you had prior relationships with this merchant you chose which items to dispute and which items werelegitimate. Temporary provisional credit totaling $604.00 was provided on 08/31/2015 for all o f the disputed items. TheBank is still conducting its investigation which is due to expire in 90 days (11/17/2015) from your initial notification. Asecond checking account was opened for you at your request on 10/14/2015 as a courtesy so you would have access to fundsthat were being deposited.On 11/02/2015, the initial disputed account had been overdrawn for 49 days. Regardless o f situation, the Bank’s policy is to“charge off ’ an account that has been continuously overdrawn for 49 days. At the time o f the charge off, the bank reservesthe right to “use the money from any other account in which you hold an interest to pay the debt” . This is found in theDeposit Account Agreement. When the original, disputed account was charged off, funds were collected from the newaccount that was opened to off-set the amount owed to the bank. The charge off was not sent to Collections and will not besent until the disputes that were filed are resolved.The case will be resolved on 11/17/2015, at which time the action taken will depend on the outcome of the disputes. If thedisputes are valid, the temporary provisional credit will become permanent and any fees assessed as a result o f the disputeditems will be refunded. If the disputes are not found to be valid, the temporary provisional credit will be reversed and theamount owed to the bank will be sent to Collections.
Please accept this
letter in response to the complaint that you filed with the RevDex.com (Revdex.com) on June 25, 2017, regarding the deposit account agreement and ATM
deposit polices on your checking account ending [redacted] with First National Bank
of Pennsylvania (FNB).On June 10,2016, you opened
checking account ending [redacted] at the Chippewa Branch with Assistant Branch
Manager Jo S[redacted]. At account opening, you endorsed the enclosed signature card,
which indicates you agreed to the terms set forth in the deposit account
agreement and that FNB provided at least one copy of the deposit account
agreement to you. The deposit account agreement, enclosed for reference,
explicitly discusses deposits made at ATM's in the ATM/ATM with TellerChat
section on page four.On June 29,2017, you
closed checking account ending [redacted]. 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,Gerard G[redacted]Market Manager, Pittsburgh Region First National Bank
Please accept this letter in response to the complaint we received from the Revdex.comregarding your account in our Richmond, Kentucky office. The purpose of this communication is toaddress the issues cited in your complaint regarding the same-as-cash option on your account.In your...
complaint, you stated that you did not receive the [redacted] from [redacted] prior to ourpurchase date on your account. According to the information Regency received from [redacted],your delivery date was 12/23/16. This is prior to our contract date on your account. Originally, [redacted] provided 12/18/16 as your delivery date.In light of this information from our dealer, we are willing to accept your same as cash payment, andyour account has no balance going forward.If you need any additional information, feel free to contact Regional Manager Mark M[redacted] at [redacted] or myself at the numbers listed below.Sincerely,Rick M[redacted]Vice President, Quality Control Manager/Compliance OfficerRegency Finance Company
Please accept this letter in response to the complaint you filed with the Revdex.com onNovember 16, 2016, regarding the status of your checking account at First National Bank ofPennsylvania (FNB).On November 10, 2016, your ending balance in your checking account ([redacted]) was $80.97....
Todetermine your available balance for November 14,2016, we take your ending balance from the priorbusiness day plus or minus any preauthorized debits or available credits. On November 13, 2016 youmade a mobile deposit of $25.00 at 10:22 am, however the 13th was a Sunday and funds from thisdeposit were not available till November 15, 2016. On November 14, 2016 your account was presentedwith the following transactions; $27.53, $23.92, $22.32 and $6.98 leaving a balance of $.22. Youraccount was also presented with four more point of sale transactions that day. These four transactionscaused your account to be overdrawn; $6,53, $5.03, $4.65 and $3.78 and your account incurred the fouroverdraft fees of $37.00 totaling $148.00.As a courtesy we will be refunding to your account two overdraft fees in the amount of $74.00. Pleasekeep in mind mobile deposits are available to you the next business day if the mobile deposit is madebefore 6:00 pm.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.
October 14,2016Case Number: [redacted]Dear Ms. [redacted],Please accept this letter in response to the complaint you filed with the Revdex.com onOctober 5, 2016, regarding your checking account at First National Bank of Pennsylvania (FNB).On October 6, 2016, you called the call center...
regarding the $7.56 PayPal transaction that postedto your account ending in 0815 on October 3, 2016. This transaction overdrew your account,which caused the $37.00 overdraft fee (OD Fee) on October 4, 2016, and the $12.00 ContinuousOD Fee on October 5, 2016. The agent advised that you could dispute the transaction, if you feltthe transaction was unauthorized, but your response was that you authorized the transaction andthere was nothing to dispute. In your complaint, you indicated that the $7.56 PayPal transactionwas unauthorized, action was taken, and our Uniontown Branch has been trying to reach you togather additional information.Our records indicate that your account does have overdraft services but is opted out of RegulationE, which does not authorize FNB to pay overdrafts on ATM transactions and everyday debit cardtransactions. However, checks and automated clearing house debit transactions made using yourchecking account number while your account is in an opt-out status can overdraw your accountand cause OD Fees. This is why your account was assessed an OD Fee for the PayPaltransaction.During the call the agent also informed you that you would not be able to close your account untilyour account was brought to a positive balance.Hopefully I have addressed your questions and concerns, but if you would like to discuss ouronline services further, please contact me at ###-###-####.We hope this response to your complaint meets your satisfaction. While this communication isintended to present the facts of the situation, we would also like to express our appreciation foryour business.Sincerely,Barbara G[redacted]VP Customer Service ManagerFirst National Bank of Pennsylvania
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:this has been taken care of forgot about this complaint the bank did take care of it thank you
I have reviewed the response made by the business in reference to complaint ID 11539535, and find that this resolution is satisfactory to me.
Regards,
Veronica Irons
We have received a copy of your communication from the Revdex.com regarding the statusof your account ending in 5133.Upon reviewing your account, we have found the following:August 15, 2015 - [redacted] and [redacted] came into the branch to discuss overdraftcharges/unauthorized...
items from [redacted]. [redacted] requested statements to show [redacted]that it was their debit transactions that overdrew their account. The account was first overdrawn onAugust 10. The transactions in question are time stamped August 11 and posted to their account August13. During this conversation, the Assistant Manager explained that credits will post before debits, andthat items post largest to smallest regardless of the time of day the transaction took place. She also toldher that any business transacted over a weekend is on the following Monday's business. The AssistantManager was unable to comply with [redacted]'s request to create a statement proving [redacted]transactions were the first overdraft on the account since the account history shows the account at anegative balance on August 10. The Assistant Manager offered to file dispute claims, but [redacted] chose totry to get in contact with [redacted] in order for the refund to be handled on their side. This was due tothe fact that it was explained to [redacted] that the Business Debit Card that was used must be closed whenfiling the disputes through FNB. [redacted] did not want the Debit Card closed. We agreed to waive thecontinuous OD fee until the hotel refunded the charges or disputes were filed with FNB. [redacted] alsostated that she had in her words "a large deposit" for the account, but was not going to deposit thisbecause she felt that the hotel and bank would be less apt to refund anything if the deposit was made.August 28, 2015 - disputes filed with FNB - debit card was closed.September 8, 2015 - provisional credit issued.September 17, 2015 - [redacted] called to speak with the Manager regarding some of the overdraft fees onthe account. Branch Manager explained that the time stamp on the transactions validated that theaccount was overdrawn prior to the [redacted] transactions. When requesting NSF fees, the Managerstated that only a total of 4 - $37.00 NSF fees could be refunded as those were attached to the disputedtransactions. [redacted] requested an exception refund for all of the fees accumulated over this time. TheManager stated that since there was no bank error, no additional fees would be refunded.September 21, 2015 - Manager contacted the customer to inform them that he had checked with hissupervisor and that the decision was that the four (4) NSF fees would be refunded as a result of the 4disputes/provisional credit items, but no additional NSF fees would be refunded, again, because this wasnot a bank error. During the conversation, [redacted] stated her intentions were to close the account.September 23, 2015 - [redacted] and [redacted] came in to close the account. The Assistant Manager wasworking a teller window and waited on them. Since the account was at a negative balance, [redacted] and[redacted] were told that we were unable to comply with their request to close the account until andunless the account was at a zero balance. The Assistant Manager advised them that after 49 days theaccount would be charged off and sent to collections. The account continued to accrue continuousoverdraft fees until it was charged off on September 28, 2015.Please feel free to contact us with any further questions.Sincerely,Madonna M[redacted]