Please consider this letter a response to the complaint filed on May 4, 2016 regarding your Checkingaccount with First National Bank of Pennsylvania(FNB). Prior to the conversion date of the acquiredBank of America ( BOA)Branches in September of 2015, FNB mailed detailed information to theFormer BOA...
customers in a letter including the following information:We recommend that you print or save your past account statements, any pending transfers or billpayments, as well as bill payment payees from BOA. The communication also included instructionsfor customers that chose not to be included in the conversion to FNB.Post Conversion your checking account reflected activity including internet transfers from a savingsaccount to the checking account, utility payments, as well as several debit card transactions. OnSeptember 24, 2015 as referenced by you, a pay pal transaction was initiated bringing the account to azero balance. The same day, American Education services debited $102.91 from the account. Uponresearch being completed, there was no evidence that FNB received an affidavit disputing thetransaction as unauthorized. This transaction caused the account to become negative, and subsequentfees were assessed according to FNB's overdraft policy. The account remained with a negativebalance until November 13, 2015 at which time it was charged off and sent to collections.If you would like to discuss this matter further please contact me at your convenience .###-###-####
I have not been contacted by phone from anyone representing FNB. I did receive the letter. In response to the letter I have sent a money order for $10.00 to the Reading address, care of Mr. B[redacted]. The money order should have reached his office by now. I am in agreement with the response as long as no further action occurs and the account is closed. Please respond letting me know you have received the money order and no further action will be required and I will agree to close this complaint.
Regards,
Please accept this
letter in response to the complaint that you filed with the RevDex.com (Revdex.com) on May 16, 2017, regarding a returned item fee and overdraft fees
(OD Fees) on your checking account ending [redacted] with First National Bank of
Pennsylvania (FNB).On
June 23, 2017, your...
ending balance was $695.06. To determine your available
balance for June 24,2017,
we take your ending balance from the prior business day plus or minus any
pre-authorized debits or available credits. No transactions were presented to
your account ending [redacted] on June 24,2017, and June 25, 2017. Your available
balance to pay items on June 26,2017, was $695.06. From your available balance
your account was presented with nine items totaling $1288.12, which posted to
your account leaving a negative balance of $593.06. The overdraft fees (OD
Fees) charged to your account ending [redacted] on June 27, 2017, of $74.00 was
caused by the following transaction amounts: $200.00 and $20.91. The returned
item fee of $37.00 charged to your account on June 27, 2017, was caused by the
following transaction amount: $98.26.On
Saturday, June 24,2017, you made a deposit of $400.00 cash via automatic teller
machine (ATM).Per
the deposit agreement, provided to you at account opening and enclosed for
reference, that deposit was made available the first business day after the
deposit, Tuesday, June 27, 2017.You
were refunded a total of $108.00 in continuous overdraft fees and overdraft
fees in 2016. On June 29, 2017 FNB issued you a final, one-time courtesy refund
of 1 OD fee, totaling $37.00. Due to the OD fees and returned item fee
referenced in this complaint not being caused by a bank error, no additional
refund can be issued.On June 29, 2017, you
closed checking account ending [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.Market Manager, Pittsburgh Region First National Bank
January 18, 2018[redacted]
[redacted]Revdex.com Case# [redacted] Dear Mrs. [redacted],Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on January 9, 2018, regarding your checking account...
with First National Bank of Pennsylvania (FNB).On January 8, 2018, you contacted FNB's Customer Service Center via telephone to update the address on your checking account. You were informed of how to change your address via mail, by sending a written request, including a copy of your driver's license with the updated address and your signature. You were also advised of the negative balance in your checking account. You explained that there were unauthorized charges on your account that you would like to dispute. To protect the security of customer accounts, FNB is unable to send account information, including completed dispute forms, to a new address for thirty days after an address change.On January 16, 2018, a blank dispute form (enclosed for reference) was emailed to you at the address on file for your checking account, [redacted]. with instructions to complete the form and mail it to the North Second Street Branch to facilitate the dispute process. On January 17, 2018, Laurie K[redacted], Branch Manager of the North Second Street Branch, spoke with you via telephone to confirm receipt of the dispute form. You indicated that you had received the form and would mail it to North Second Street Branch, [redacted], to Ms. K[redacted]'s attention.We apologize for any inconvenience this issue has caused you and 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,Susan D[redacted]Vice President, Market Manager Capital Region First National Bank
We have received a copy of your communication from the Revdex.com regarding the statusof your account number ending in 3137.Upon reviewing your account, we have found the following:On October 2, 2015, the balance in your account ending in 3137 was $696.30, on this same day a $300ATM...
withdraw occurred along with a Well Fargo debit for $640.18, this left the account with a negativebalance of -243.88. The ATM gave you a positive balance because the $640.18 debit had not clearedyour account yet. We recommend keeping track of your account activity with a check register. I haveincluded the Deposit Account Agreement for First National Bank and a Checking Account Register foryour convenience.Although this was not a bank error, as a courtesy, we have credited your account for the amount of theOverdraft Fee ($37).Have you considered, attaching a savings account to your checking account or applying for our QuickCash Account as a cash reserve, if you qualify, this may prevent future overdrafts from occurring.If you have any questions, please do not hesitate to call me at ###-###-####.Sincerely,Assistant Branch Manager
Revdex.com Case# [redacted]Dear Mr. F[redacted],Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on March 8, 2018, regarding your charged-off checking account at First National Bank of Pennsylvania (FNB).On July 5, 2016, Angela P[redacted],...
Assistant Branch Manager of the Grandview Office, sent you the enclosed email notifying you of your account status, which included the current printed statement (enclosed for reference). Ms. P[redacted] advised you that your account had maintained a negative balance for 14 days. You responded that there were some transactions you did not recognize and would rectify the situation immediately. You also requested that your debit card be closed and requested a new one. Ms. P[redacted] advised you that while your debit card could be closed, a new card could not be ordered due to the negative balance of your checking account There is no evidence of a discussion regarding a dispute of the unrecognized transactions or a refund of any overdraft fees. Further, FNB has no record that you contacted us to dispute the transactions or request an overdraft fee refund on or around the date of the email correspondence mentioned above.On August 9, 2016, your checking account was charged-off after maintaining a negative balance for more than forty-five days. On August 10, 2016, your account was sent to AAS Debt Recovery Incorporated (AAS) for collection.On February 20, 2018, you called Ms. P[redacted] via telephone regarding your charged-off checking account. Ms. P[redacted] advised you that the account had been sent to AAS for collection and provided their phone number, [redacted], for contact. On February 22, 2018, you called Ms. P[redacted], stating that AAS advised you to contact FNB regarding the charged-off account. During that conversation, you advised Ms. P[redacted] that you felt that your checking account was charged-off due to unauthorized charges and believed you had requested a refund for the charges in July of 2016. Ms. P[redacted] explained that FNB's policy is to advise our customers to file a dispute for unauthorized charges, that we occasionally ask that a police report be filed, and that at the time, you did not request a dispute or refund of overdraft fees. As of the date of this letter, no dispute has been filed for the suspected unauthorized charges, nor has any request to refund overdraft fees been received.On March 16, 2018, your charged-off checking account was re-evaluated by FNB's Deposit Operations Department, per your request. It was determined that due to the amount of the collection, which is under $10.00, FNB would remove your checking account from collections with AAS and from ChexSystems. Please accept this letter as a confirmation that your charged-off checking account has been removed from all collection activity with AAS and ChexSystems as of March 16, 2018.This communication is intended to present the facts of the situation and we hope this response to your complaint meets your satisfaction.Sincerely,Alison S[redacted] Market Manager Northwest Region First National Bank
Please accept this
letter in response to the complaint you filed with the Revdex.com
on April 14, 2017. The purpose of this communication is to address the issues
cited in your complaint regarding the same-as-cash (SAC) option and interest
charges on your account with Regency Finance...
Company (RFC).Upon researching the payment history on
your account, we did not receive the minimum monthly payment of $291.00 on your
account between the February 3, 2017 and March 3, 2017 statement periods.
Though you made a large payment prior to February 3, 2017, the terms of your
SAC plan require you to make the minimum monthly payments each month regardless
of whether you made any payments in advance, or the SAC option becomes void.As a customer
courtesy, we are willing to re-instate your same as cash option on your
account. You must make the
minimum monthly payments going forward and have the balance paid in full by the
expiration date.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.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 January 11, 2016,regarding your qualification for a promotional offer by First National Bank of Pennsylvania (FNB). Thisletter will address the issue cited in your complaint and an explanation for the response...
provided.To initially qualify for the promotional offer new customers had to first open both a Freestyle Checkingand FirstRate Savings Account This was disclosed in the mailer that you brought in at account opening.We are not able to confirm what was discussed when you opened your account so as a gesture ofgoodwill FNB will award you the $150 bonus. The $150.00 bonus was deposited into savings accountending in 0536 on 1/14/16.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 and our hope that you will consider giving us the opportunity to serve you again in the future.If you have any additional questions, please feel free to contact me at [redacted].Alison *. S[redacted]Market Manager, Vice President
Please accept this letter in response to the Complaint filed with the Revdex.com on January29th 2016, regarding the request to close your business account and the related charges that wereassessed to your checking account with First National Bank of Pennsylvania (“FNB”). This letter...
willaddress the issue cited in your complaint and an explanationfor the response provided.Issue — Request to close account and fees assessedAfter reviewing the details of the various interactions, and the correspondence that you have had withFNB Colleagues in person, by phone , and by mail I am outlining the findings below.The initial request made to close your business checking account occurred in the Wyomissing Branchlocation on November 30, 2015 and was denied by a bank colleague due to several presentments(payments) that had been authorized by you were pending at the time. It was explained at the time ofthe request to close the account that once the presentments cleared, the account could be closed withyour authorization in person or via the phone. The next communication with [redacted] was by letter datedDecember 5, 2015 and received December 9, 2015 requesting that the account be closed. Upon thereceipt of the letter, the account showed a negative balance as the presentments (electronic payments)were honored by FNB with insufficient funds in the account to cover them. Multiple attempts to reachyou by phone were unsuccessfifl at your place of business, and messages were left with officepersonnel, as well as on your personal voice mail that identified you as such in an effort to resolve therequest to close the account and bring the account to a zero balance. The account showed a balance of$-681.91. The next interaction with an FNB colleague occurred when you frequented the BerkshireMall office of FNB on January 20, 2016 to discuss the status of your checking account. You had beennotified by letter that the account had been charged off. The account balance was $-681.91 which wascomprised of items paid on your behalf by FNB as well as insufficient funds fees that had beenassessed. You left the branch agreeing to pay the hems paid on your behalf but did not agree to pay thefees to clear the collection item. A subsequent call was made to FNB call center with yourdissatisfaction. On January 29th, 2016 the Branch Manager from the Berkshire mall contacted yourplace of business and spoke with your office manager which you had given approval to discuss yourbanking matters. Your office manager agreed to provide a cashiers check in the amount of S459.91 tocover the items that had been paid on your behalf by FNB, and the fees would be covered once thecheck was received and the collection item would be resolved. To date the check has not beenreceived at an FNB branch location as agreed upon to clear the amount outstanding.If you have any additional questions regarding resolution of the matter, please feel free to contact meat ###-###-####.SincerelyCharles B[redacted]Market Manager
Please accept this letter in response to the complaint that you filed with the Revdex.com onDecember 17, 2016, regarding Regency Finance Company's collection efforts on your account ending in[redacted]. This letter will address the issues cited in your complaint and an explanation for the...
responseprovided.Prior to filing this complaint, you had not notified Regency Finance in writing that you desired not to becontacted at your place of residence or by telephone. We will respectfully adhere to your request andwill contact you by mail going forward.Enclosed is your payment history on the account. According to our records, you are in default under theterms of your note and have not maintained the minimum monthly payment scheduled to keep youraccount in good standing. Your account is currently delinquent for your October 2016, November 2016,and December 2016 payments. As a result of this delinquency, Regency Finance Company filed a smallclaims legal action suit. Please contact the Regency Finance Office immediately to rectify yourdelinquent account. We do offer a pay by phone option for your convenience. In order to takeadvantage of this payment method, we ask that you visit your local branch so they can collect thenecessary information for your payments to be processed. In addition, you can mail your payments tothe branch if you preferIf you need any additional information, feel free to contact me at the phone number below, or you cancontact Manager Mike R[redacted] at ###-###-####, or Regional Manager Mike P[redacted] at ###-###-####.Sincerely,Rick M[redacted]Vice President, Quality Control Manager/Compliance OfficerRegency Finance CompanyP.O. Box 1150Hermitage, PA 16148###-###-####
I am responding to your complaint to the Revdex.com. I have reviewed your accountinformation and it appears that you were credited twice for the overpayment o f $236.79. FirstNational received your payoff on April 9. Subsequently your April 10th monthly payment wassent via ACH from [redacted]....
Upon receipt, a check was cut to you for the payment by FirstNational Bank. On May 4, we were notified that the authorization was revoked at [redacted] and thepayment was returned back to [redacted]. Please check your [redacted] records as they would have beenobligated to credit your account back $236.79. The credit should have occurred on or aroundMay 4. The result o f these actions provided you two credits, one via check from FNB and theother via ACH from [redacted]. In order to resolve this matter, you will need to submit $236.79 toFirst National Bank.I can certainly understand your confusion in this matter and do apologize for the inconvenience.It would appear that [redacted] did not initiate your request in a timely manner to avoid this situationUnder your contract, you are obligated to return these funds back to First National Bank. Wehave a legal right to pursue restitution in this matter. I am hopeful that once you review your[redacted] records, you will see clearly that you were credited twice and we can resolve this situation.Sincerely,[redacted]Senior Vice PresidentLoan Operations Manager
April 20, 2018[redacted]Revdex.com Case#: [redacted] Dear Mr. [redacted],Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on April 18, 2018, regarding release of your boat and trailer titles...
following the payoff of your loan ending in [redacted] with First National Bank of Pennsylvania (FNB).On April 3, 2018, funds were received that satisfied your loan ending in [redacted]. In accordance with FNB policy and procedure your payoff funds were held for ten (10) business days prior to releasing the lien. The title for your trailer was in the possession of FNB and was mailed to you on April 17, 2018. The title for your boat, [redacted] is an electronically held title in the state of Florida. On or before April 24, 2018, your lien release will be processed by the state of Florida and you will be able to request a paper copy of the title. FNB would be happy to request this on your behalf; however, this would further delay your receipt of the paper title, To best meet your needs, FNB has enclosed a list of centers that are able to provide same-day title services, as well as a cashier's check made payable to you to cover the cost of this service,Because FNB was notified of a bankruptcy filed on your behalf, your loan was handled solely by our collections area to ensure compliance with bankruptcy law. For this reason, you were directed to our Collections Department when you called to inquire about your loan. We apologize for any confusion this may have caused.We hope this response to your complaint meets your satisfaction.Sincerely,Robert F[redacted]Manager of Document Services Loan Operations First Nationa
Revdex.com,I completed and uploaded the privacy form you requested to this response.I also uploaded 2 of my personal documents as well. One I believe is a copy of the signed release you are looking for and the other is the bill from July which lists past due as older then 6/3/16 and current up to 7/5/16. My purchase was made on 6/9/14 and according to their own bill's current and past due date range this would be the current month for the 2 year pay off. On the bottom it has the expiration date of 6/9/16 which would occur during this month's billing period. How cant they say I didn't pay the balance off in time if their own bill says that date is still current and in the billing cycle 2 year window of the purchase date? Something doesn't seem right as this is deceiving towards myself and any costumer that is paying a bill monthly. Are the dates purposely set up to confuse the customer?Thank you,[redacted]
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 12, 2018, regarding your loan with Regency Finance...
Company (RFC).On December 29, 2017, RFC received a check for your loan in the amount of $1,109.93 from [redacted]. The correct amount to fully payoff and satisfy your loan at that time was $1,671.11 (your check was $561.18 short). The payment receipt was sent to you on December 29, 2017.On January 11, 2018, you called RFC and spoke via telephone with Mark M[redacted], Regional Manager of the Dixie Flighway Branch, regarding the incorrect payoff amount for your loan. During that conversation, Mr. M[redacted] advised you that RFC had no documentation to confirm the payoff amount sent from [redacted], as [redacted] had not requested the payoff in writing. He further advised that the remaining balance should still be paid as agreed.As of the date of this response, there is no evidence that RFC supplied an incorrect payoff amount to [redacted] in reference to your loan account. The remaining balance of your RFC loan should continue to be paid as agreed. Please contact [redacted] to resolve any remaining payoff issues.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,Richard ** M[redacted]Vice PresidentQuality Control Manager/Compliance Officer Regency Finance Company
Please consider this letter a response to the complaint filed on May 4, 2016 regarding your Checkingaccount with First National Bank of Pennsylvania(FNB). Prior to the conversion date of the acquiredBank of America ( BOA)Branches in September of 2015, FNB mailed detailed information to theFormer BOA...
customers in a letter including the following information:We recommend that you print or save your past account statements, any pending transfers or billpayments, as well as bill payment payees from BOA. The communication also included instructionsfor customers that chose not to be included in the conversion to FNB.Post Conversion your checking account reflected activity including internet transfers from a savingsaccount to the checking account, utility payments, as well as several debit card transactions. OnSeptember 24, 2015 as referenced by you, a pay pal transaction was initiated bringing the account to azero balance. The same day, American Education services debited $102.91 from the account. Uponresearch being completed, there was no evidence that FNB received an affidavit disputing thetransaction as unauthorized. This transaction caused the account to become negative, and subsequentfees were assessed according to FNB's overdraft policy. The account remained with a negativebalance until November 13, 2015 at which time it was charged off and sent to collections.If you would like to discuss this matter further please contact me at your convenience .###-###-####
I have not been contacted by phone from anyone representing FNB. I did receive the letter. In response to the letter I have sent a money order for $10.00 to the Reading address, care of Mr. B[redacted]. The money order should have reached his office by now. I am in agreement with the response as long as no further action occurs and the account is closed. Please respond letting me know you have received the money order and no further action will be required and I will agree to close this complaint.
Regards,
Please accept this
letter in response to the complaint that you filed with the RevDex.com (Revdex.com) on May 16, 2017, regarding a returned item fee and overdraft fees
(OD Fees) on your checking account ending [redacted] with First National Bank of
Pennsylvania (FNB).On
June 23, 2017, your...
ending balance was $695.06. To determine your available
balance for June 24,2017,
we take your ending balance from the prior business day plus or minus any
pre-authorized debits or available credits. No transactions were presented to
your account ending [redacted] on June 24,2017, and June 25, 2017. Your available
balance to pay items on June 26,2017, was $695.06. From your available balance
your account was presented with nine items totaling $1288.12, which posted to
your account leaving a negative balance of $593.06. The overdraft fees (OD
Fees) charged to your account ending [redacted] on June 27, 2017, of $74.00 was
caused by the following transaction amounts: $200.00 and $20.91. The returned
item fee of $37.00 charged to your account on June 27, 2017, was caused by the
following transaction amount: $98.26.On
Saturday, June 24,2017, you made a deposit of $400.00 cash via automatic teller
machine (ATM).Per
the deposit agreement, provided to you at account opening and enclosed for
reference, that deposit was made available the first business day after the
deposit, Tuesday, June 27, 2017.You
were refunded a total of $108.00 in continuous overdraft fees and overdraft
fees in 2016. On June 29, 2017 FNB issued you a final, one-time courtesy refund
of 1 OD fee, totaling $37.00. Due to the OD fees and returned item fee
referenced in this complaint not being caused by a bank error, no additional
refund can be issued.On June 29, 2017, you
closed checking account ending [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.Market Manager, Pittsburgh Region First National Bank
January 18, 2018[redacted]
[redacted]Revdex.com Case# [redacted] Dear Mrs. [redacted],Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on January 9, 2018, regarding your checking account...
with First National Bank of Pennsylvania (FNB).On January 8, 2018, you contacted FNB's Customer Service Center via telephone to update the address on your checking account. You were informed of how to change your address via mail, by sending a written request, including a copy of your driver's license with the updated address and your signature. You were also advised of the negative balance in your checking account. You explained that there were unauthorized charges on your account that you would like to dispute. To protect the security of customer accounts, FNB is unable to send account information, including completed dispute forms, to a new address for thirty days after an address change.On January 16, 2018, a blank dispute form (enclosed for reference) was emailed to you at the address on file for your checking account, [redacted]. with instructions to complete the form and mail it to the North Second Street Branch to facilitate the dispute process. On January 17, 2018, Laurie K[redacted], Branch Manager of the North Second Street Branch, spoke with you via telephone to confirm receipt of the dispute form. You indicated that you had received the form and would mail it to North Second Street Branch, [redacted], to Ms. K[redacted]'s attention.We apologize for any inconvenience this issue has caused you and 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,Susan D[redacted]Vice President, Market Manager Capital Region First National Bank
We have received a copy of your communication from the Revdex.com regarding the statusof your account number ending in 3137.Upon reviewing your account, we have found the following:On October 2, 2015, the balance in your account ending in 3137 was $696.30, on this same day a $300ATM...
withdraw occurred along with a Well Fargo debit for $640.18, this left the account with a negativebalance of -243.88. The ATM gave you a positive balance because the $640.18 debit had not clearedyour account yet. We recommend keeping track of your account activity with a check register. I haveincluded the Deposit Account Agreement for First National Bank and a Checking Account Register foryour convenience.Although this was not a bank error, as a courtesy, we have credited your account for the amount of theOverdraft Fee ($37).Have you considered, attaching a savings account to your checking account or applying for our QuickCash Account as a cash reserve, if you qualify, this may prevent future overdrafts from occurring.If you have any questions, please do not hesitate to call me at ###-###-####.Sincerely,Assistant Branch Manager
Revdex.com Case# [redacted]Dear Mr. F[redacted],Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on March 8, 2018, regarding your charged-off checking account at First National Bank of Pennsylvania (FNB).On July 5, 2016, Angela P[redacted],...
Assistant Branch Manager of the Grandview Office, sent you the enclosed email notifying you of your account status, which included the current printed statement (enclosed for reference). Ms. P[redacted] advised you that your account had maintained a negative balance for 14 days. You responded that there were some transactions you did not recognize and would rectify the situation immediately. You also requested that your debit card be closed and requested a new one. Ms. P[redacted] advised you that while your debit card could be closed, a new card could not be ordered due to the negative balance of your checking account There is no evidence of a discussion regarding a dispute of the unrecognized transactions or a refund of any overdraft fees. Further, FNB has no record that you contacted us to dispute the transactions or request an overdraft fee refund on or around the date of the email correspondence mentioned above.On August 9, 2016, your checking account was charged-off after maintaining a negative balance for more than forty-five days. On August 10, 2016, your account was sent to AAS Debt Recovery Incorporated (AAS) for collection.On February 20, 2018, you called Ms. P[redacted] via telephone regarding your charged-off checking account. Ms. P[redacted] advised you that the account had been sent to AAS for collection and provided their phone number, [redacted], for contact. On February 22, 2018, you called Ms. P[redacted], stating that AAS advised you to contact FNB regarding the charged-off account. During that conversation, you advised Ms. P[redacted] that you felt that your checking account was charged-off due to unauthorized charges and believed you had requested a refund for the charges in July of 2016. Ms. P[redacted] explained that FNB's policy is to advise our customers to file a dispute for unauthorized charges, that we occasionally ask that a police report be filed, and that at the time, you did not request a dispute or refund of overdraft fees. As of the date of this letter, no dispute has been filed for the suspected unauthorized charges, nor has any request to refund overdraft fees been received.On March 16, 2018, your charged-off checking account was re-evaluated by FNB's Deposit Operations Department, per your request. It was determined that due to the amount of the collection, which is under $10.00, FNB would remove your checking account from collections with AAS and from ChexSystems. Please accept this letter as a confirmation that your charged-off checking account has been removed from all collection activity with AAS and ChexSystems as of March 16, 2018.This communication is intended to present the facts of the situation and we hope this response to your complaint meets your satisfaction.Sincerely,Alison S[redacted] Market Manager Northwest Region First National Bank
Please accept this
letter in response to the complaint you filed with the Revdex.com
on April 14, 2017. The purpose of this communication is to address the issues
cited in your complaint regarding the same-as-cash (SAC) option and interest
charges on your account with Regency Finance...
Company (RFC).Upon researching the payment history on
your account, we did not receive the minimum monthly payment of $291.00 on your
account between the February 3, 2017 and March 3, 2017 statement periods.
Though you made a large payment prior to February 3, 2017, the terms of your
SAC plan require you to make the minimum monthly payments each month regardless
of whether you made any payments in advance, or the SAC option becomes void.As a customer
courtesy, we are willing to re-instate your same as cash option on your
account. You must make the
minimum monthly payments going forward and have the balance paid in full by the
expiration date.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.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 January 11, 2016,regarding your qualification for a promotional offer by First National Bank of Pennsylvania (FNB). Thisletter will address the issue cited in your complaint and an explanation for the response...
provided.To initially qualify for the promotional offer new customers had to first open both a Freestyle Checkingand FirstRate Savings Account This was disclosed in the mailer that you brought in at account opening.We are not able to confirm what was discussed when you opened your account so as a gesture ofgoodwill FNB will award you the $150 bonus. The $150.00 bonus was deposited into savings accountending in 0536 on 1/14/16.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 and our hope that you will consider giving us the opportunity to serve you again in the future.If you have any additional questions, please feel free to contact me at [redacted].Alison *. S[redacted]Market Manager, Vice President
Please accept this letter in response to the Complaint filed with the Revdex.com on January29th 2016, regarding the request to close your business account and the related charges that wereassessed to your checking account with First National Bank of Pennsylvania (“FNB”). This letter...
willaddress the issue cited in your complaint and an explanationfor the response provided.Issue — Request to close account and fees assessedAfter reviewing the details of the various interactions, and the correspondence that you have had withFNB Colleagues in person, by phone , and by mail I am outlining the findings below.The initial request made to close your business checking account occurred in the Wyomissing Branchlocation on November 30, 2015 and was denied by a bank colleague due to several presentments(payments) that had been authorized by you were pending at the time. It was explained at the time ofthe request to close the account that once the presentments cleared, the account could be closed withyour authorization in person or via the phone. The next communication with [redacted] was by letter datedDecember 5, 2015 and received December 9, 2015 requesting that the account be closed. Upon thereceipt of the letter, the account showed a negative balance as the presentments (electronic payments)were honored by FNB with insufficient funds in the account to cover them. Multiple attempts to reachyou by phone were unsuccessfifl at your place of business, and messages were left with officepersonnel, as well as on your personal voice mail that identified you as such in an effort to resolve therequest to close the account and bring the account to a zero balance. The account showed a balance of$-681.91. The next interaction with an FNB colleague occurred when you frequented the BerkshireMall office of FNB on January 20, 2016 to discuss the status of your checking account. You had beennotified by letter that the account had been charged off. The account balance was $-681.91 which wascomprised of items paid on your behalf by FNB as well as insufficient funds fees that had beenassessed. You left the branch agreeing to pay the hems paid on your behalf but did not agree to pay thefees to clear the collection item. A subsequent call was made to FNB call center with yourdissatisfaction. On January 29th, 2016 the Branch Manager from the Berkshire mall contacted yourplace of business and spoke with your office manager which you had given approval to discuss yourbanking matters. Your office manager agreed to provide a cashiers check in the amount of S459.91 tocover the items that had been paid on your behalf by FNB, and the fees would be covered once thecheck was received and the collection item would be resolved. To date the check has not beenreceived at an FNB branch location as agreed upon to clear the amount outstanding.If you have any additional questions regarding resolution of the matter, please feel free to contact meat ###-###-####.SincerelyCharles B[redacted]Market Manager
Please accept this letter in response to the complaint that you filed with the Revdex.com onDecember 17, 2016, regarding Regency Finance Company's collection efforts on your account ending in[redacted]. This letter will address the issues cited in your complaint and an explanation for the...
responseprovided.Prior to filing this complaint, you had not notified Regency Finance in writing that you desired not to becontacted at your place of residence or by telephone. We will respectfully adhere to your request andwill contact you by mail going forward.Enclosed is your payment history on the account. According to our records, you are in default under theterms of your note and have not maintained the minimum monthly payment scheduled to keep youraccount in good standing. Your account is currently delinquent for your October 2016, November 2016,and December 2016 payments. As a result of this delinquency, Regency Finance Company filed a smallclaims legal action suit. Please contact the Regency Finance Office immediately to rectify yourdelinquent account. We do offer a pay by phone option for your convenience. In order to takeadvantage of this payment method, we ask that you visit your local branch so they can collect thenecessary information for your payments to be processed. In addition, you can mail your payments tothe branch if you preferIf you need any additional information, feel free to contact me at the phone number below, or you cancontact Manager Mike R[redacted] at ###-###-####, or Regional Manager Mike P[redacted] at ###-###-####.Sincerely,Rick M[redacted]Vice President, Quality Control Manager/Compliance OfficerRegency Finance CompanyP.O. Box 1150Hermitage, PA 16148###-###-####
I am responding to your complaint to the Revdex.com. I have reviewed your accountinformation and it appears that you were credited twice for the overpayment o f $236.79. FirstNational received your payoff on April 9. Subsequently your April 10th monthly payment wassent via ACH from [redacted]....
Upon receipt, a check was cut to you for the payment by FirstNational Bank. On May 4, we were notified that the authorization was revoked at [redacted] and thepayment was returned back to [redacted]. Please check your [redacted] records as they would have beenobligated to credit your account back $236.79. The credit should have occurred on or aroundMay 4. The result o f these actions provided you two credits, one via check from FNB and theother via ACH from [redacted]. In order to resolve this matter, you will need to submit $236.79 toFirst National Bank.I can certainly understand your confusion in this matter and do apologize for the inconvenience.It would appear that [redacted] did not initiate your request in a timely manner to avoid this situationUnder your contract, you are obligated to return these funds back to First National Bank. Wehave a legal right to pursue restitution in this matter. I am hopeful that once you review your[redacted] records, you will see clearly that you were credited twice and we can resolve this situation.Sincerely,[redacted]Senior Vice PresidentLoan Operations Manager
April 20, 2018[redacted]Revdex.com Case#: [redacted] Dear Mr. [redacted],Please accept this letter in response to the complaint that you filed with the Revdex.com (Revdex.com) on April 18, 2018, regarding release of your boat and trailer titles...
following the payoff of your loan ending in [redacted] with First National Bank of Pennsylvania (FNB).On April 3, 2018, funds were received that satisfied your loan ending in [redacted]. In accordance with FNB policy and procedure your payoff funds were held for ten (10) business days prior to releasing the lien. The title for your trailer was in the possession of FNB and was mailed to you on April 17, 2018. The title for your boat, [redacted] is an electronically held title in the state of Florida. On or before April 24, 2018, your lien release will be processed by the state of Florida and you will be able to request a paper copy of the title. FNB would be happy to request this on your behalf; however, this would further delay your receipt of the paper title, To best meet your needs, FNB has enclosed a list of centers that are able to provide same-day title services, as well as a cashier's check made payable to you to cover the cost of this service,Because FNB was notified of a bankruptcy filed on your behalf, your loan was handled solely by our collections area to ensure compliance with bankruptcy law. For this reason, you were directed to our Collections Department when you called to inquire about your loan. We apologize for any confusion this may have caused.We hope this response to your complaint meets your satisfaction.Sincerely,Robert F[redacted]Manager of Document Services Loan Operations First Nationa
Customer Response Letter Attached
Revdex.com,I completed and uploaded the privacy form you requested to this response.I also uploaded 2 of my personal documents as well. One I believe is a copy of the signed release you are looking for and the other is the bill from July which lists past due as older then 6/3/16 and current up to 7/5/16. My purchase was made on 6/9/14 and according to their own bill's current and past due date range this would be the current month for the 2 year pay off. On the bottom it has the expiration date of 6/9/16 which would occur during this month's billing period. How cant they say I didn't pay the balance off in time if their own bill says that date is still current and in the billing cycle 2 year window of the purchase date? Something doesn't seem right as this is deceiving towards myself and any costumer that is paying a bill monthly. Are the dates purposely set up to confuse the customer?Thank you,[redacted]
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 12, 2018, regarding your loan with Regency Finance...
Company (RFC).On December 29, 2017, RFC received a check for your loan in the amount of $1,109.93 from [redacted]. The correct amount to fully payoff and satisfy your loan at that time was $1,671.11 (your check was $561.18 short). The payment receipt was sent to you on December 29, 2017.On January 11, 2018, you called RFC and spoke via telephone with Mark M[redacted], Regional Manager of the Dixie Flighway Branch, regarding the incorrect payoff amount for your loan. During that conversation, Mr. M[redacted] advised you that RFC had no documentation to confirm the payoff amount sent from [redacted], as [redacted] had not requested the payoff in writing. He further advised that the remaining balance should still be paid as agreed.As of the date of this response, there is no evidence that RFC supplied an incorrect payoff amount to [redacted] in reference to your loan account. The remaining balance of your RFC loan should continue to be paid as agreed. Please contact [redacted] to resolve any remaining payoff issues.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,Richard ** M[redacted]Vice PresidentQuality Control Manager/Compliance Officer Regency Finance Company