First National Bank of PA

While I realize the bank has no control over the appraisal, they still located the appraisal company who wrote up an erroneous appraisal I have a different appraisal that was just done which proves the appraiser they located was wrong I realize the note on the loan said there was a prepayment penalty but I would not have refinanced with another bank if I didn't receive the erroneous appraisal from the appraisal company they sent out I am happy to provide the appraisal that was just done if necessary

This letter is in response to the complaint you recently filed with the Revdex.com regarding a negative collected balance fee of and an overdraft fee of $you received on your account here at First National Bank (FNB) A negative collected balance fee is charged when a business deposits checks and float is automatically placed on the checks according to the routing numberThis float can last up to days and it means FNB has not received the funds from the bank the check was drawn on, therefore the funds are considered “uncollected”If you use the funds on your account while the float is still in effect, the account will reflect a negative balance on collected fundsThe account will then incur a negative collected balance fee at a rate of Prime +5% (currently 8.25%) based on the amount of the overdrawn balance for the number of days it is overdrawn After research on your account, it was determined you had an Average Negative Collected Balance of -$for days which caused the fee to be chargedThis was calculated in the following way - x 8.25% = $9.05/days x days - The overdraft fee was charged when you used a debit card to make a purchase at Kwik Fill on September in the amount of $but the funds in your account were $causing an overdrawn balance of -$Therefore the $overdraft fee was charged If you have further questions, please contact me at ###-###-####

My name is [redacted] , and I run the Pittsburgh Region for First National Bank of PennsylvaniaI am in receipt ofyour complaint to the Revdex.com dated 1/8/in regards to our dormant account policyAlthough thefees we charged are detailed in our Deposit Account Agreement, as a courtesy, I am going to refund the $toyouEnclosed please find a check in that amount

I do not accept their responseThey have created it that they can charge NSF at anytimeAgain in April I was told the policy was to charge as fees come in and then in September that they deduct from highest to lowest, which is contrary to April’s conversation with the new policy My last conversation with [redacted] in October was that checks would be returned! The check in October for $drafted to another FNB account, at the same branch, should NOT have been honoredIn October, the house payment draft from FNB was a human error, otherwise there would have been sufficient funds for the checkBut instead the check was put through knowing that putting through a $check would cause substantial feesIn addition, if the bank would have placed the $withdrawal on my account immediately, I could have made a deposit before the close of the Uniontown branch officeI did not know it was negative until the following day on both occasionsChecks should be processed immediately, and posted as pendingI still stand by the correct customer service thing to do is HONOR the expenses AS PRESENTED, as I was told in AprilThe fees in September would have been $versus $The check in October should NOT have been processed or only a $fee versus $I am a human being, who makes errorsIn every instance of overdraft, funds were immediately placed to correct themHowever, I work very hard for my money to help keep a roof over my head and pay for the extra needs of my Autistic sonI believe, this bank has a choice to do what is right for the customer and see that their policies are very costlyIt is not appropriate to be told in April the new policy, then be told in October when the savings account was closed that checks would be returned and a check presented to the same branch as my account was still processedI do not feel their discretion was used in the best interest of the client; but, in the best interest of the bank Regards, [redacted] ***

According to the “manager,” Tammie, they refunded multiple
fees in OctoberThis was not so, my card was wrongly charged and a dispute was
filed for a charge on 10/30/That was the ONLY time the bank has helped me
on anythingI have looked at EVERY bank statement since opening my accountI received only TWO prior overdraft fees since opening my account in June of and NOT ONE was refundedThe statement from the branch is completely false I wasn’t offered an alternative for overdrafts until AFTER this
situation happened, so why are you stating that it happened before and it could
have been avoided had I heeded your advice? Any bank representative can see my statements
and see that I have never had a fee refunded, EVERThere has not been a “goodwill
gesture.” The only thing I have received from this bank is slow service and a condescending attitude.You state that your “CORE Values” are to “earn trust by
maintaining the highest ethical standards in all of our actions.” This branch
has NOT abided by this valueHow is it ethical to tell me that you have, on “multiple
occasions” refunded fees? I would freely let any representative or individual
that even considers banking with First National to look at my statementsThis
is absolutely unacceptable, and something WILL be done

Hello,I filed a complaint in December regarding the banking practices of First National Bank of Pennsylvania -specifically the way they calculate NSF feesWhen I attempted to deal with this directly with the Bank on numerous occasions I got little or no result and they were often very rudeThe response I received in December from the manger of the Chesterland Branch dealt mainly with the the way the teller treated me (EXTREMELY RUDE) and also contained blatant lies by stating that I had used profanity in my conversion with the tellerHowever distasteful the employees at that particular branch may behave, that is not my main concern, it is the banking practices(I do want to mention that many of the other branches have much more pleasant tellers)I let the complaint close because I did not have specific documentation regarding the numerous times the bank has used the practices in question - they "move things around" so constantly I would have had to print my statement numerous times a day for a couple weeks to catch all the details. At this point I have a a specific example that highlights the issue that uses minimal transactions and is therefore easy to decipherAttached you will find a spreadsheet detailing the transactions and also a scan of a "snapshot" of my account earlier today. I am sorry I did not use the complaint sight but it would not allow me to upload my documents.Thank You,*** ** ***

How many people out there are in my shoes with no title to their vehicle because FNB lost it? Bought my truck in 2008, paid off in 2013. No title ever mailed to me. A couple of years ago, I called twice and was told that they do not hold titles, that they are all electronic. I went to Dunkle's Services last week in Bedford, PA and they looked up my title in their PADOT site. They confirmed that vehicles in PA moved to electronic titles around 2007-2008, but that mine was still a paper title, issued to FNB. PADOT had on file that FNB had released the lien on the title. I called back explained that this title was listed as a paper title made prior to the transition to electronic titles and that they still had it. The "title person" who I am not allowed to talk to directly relayed through some poor girl who is caught in the middle, that they mailed the title on 3/7/2018. I told her that is a lie and doesn't even make sense when I had tried a couple of years ago to get this from them and now they mail it this past March (5 years late) with no prompting from me. I told her that I wanted the title or the $53 that it takes to get a new one since they lost it. They offered to send me the lien release. Worthless, as it is already released in the PADOT system. FNB has lost or disposed of paper titles after the electronic title change without regard for their customers and will not admit the truth.

Bottom line: BANK SOMEWHERE ELSE!

Sincerely,

Gerald Miller

To Whom it May Concern:Several attempts have been made over the past two years to fully explain to Ms. [redacted] FundsAvailability, bank policy of paying the highest dollar amount items first (due to the fact they generallycarry more importance for the customer) and why pre-authorized debits are taken...

away from availablebalances.The most recent example of this was on 08/05/2014. Although no bank error had occurred, the bankchose to refund $407.00 as a final courtesy refund. It was confirmed with Ms. [redacted] at the time thatthe fees were not due to a bank error and no further fees would be refunded unless it was a bank erroror if she encountered fraud. It was encouraged that she use a check register to avoid fees in the future.On 11/14/14 Ms. [redacted] did speak to [redacted] at the Chesterland office. Although we empathize withthe customer over receiving the fees, the customer was so irate that her voice could be heard by fellowemployees and customers in the lobby. Profanity was used and customer was asked respectfully threetimes to refrain from that language and the personal attacks or she would not be able to continue theconversation. It did continue and [redacted] fully admits she hung up the phone at that point. Customerdid call the customer service number who in return relayed the call back to the branch. [redacted] wasmore than willing to continue trying to explain how the charges occurred. Customer made it clear sheno longer wanted to speak to anyone at the branch and wanted to be transferred back to customerservice. Unfortunately, we do not have that capability so the customer did hang up and called backherself. Later, the branch received a customer request to refund fees via the customer servicedepartment.After careful review of Ms. [redacted]' account, we still conclude that the bank has made no error andacted in full accordance of the bank's policies and procedures, as well as, Federal Regulation E, whichgoverns the specific handling of electronic items.Respectfully,[redacted]Branch Manger

This letter is in response to the complaint received by First National Bank of Pennsylvania(FNB) on March 17, 2016, from the Revdex.com on your behalf. This letter serves asour response to this matter.On March 3, 2016 you attempted to close your account however there were pending items...

thatwere in process $10.59 [redacted], $9.20 [redacted] and $39.95 [redacted]. Due to the account nothaving enough funds to pay these pending items, your account was charged $111.00 inoverdrafts fees which was refunded on March 18, 2016 and $36.00 in continuous overdraft fees,which $12.00 was refunded on March 18, 2016. We have refunded the additional $24.00 onMarch 23,2016 in continuous overdraft fees however the account remains in the negative $61.15due the purchases made.If you have any specific questions please contact me directly at ###-###-####.Sincerely,Kristen M[redacted]Vice President

Please accept this letter in response to the complaint that was filed with the Revdex.com onJuly 22, 2016, regarding Regency Finance Company's same as cash program on his account ending in[redacted]Due to privacy concerns, we have contacted the consumer directly to attempt to satisfactorily...

resolvethe complaint.A response letter has been sent to the customer addressing her concerns, as well as, a follow up phonecontact to attempt resolution.If you need any additional information, feel free to contact us at the below numbers.Sincerely,Rick M[redacted]Vice President, Quality Control Manager/Compliance OfficerRegency Finance Company

This letter is in response to the complaint you recently filed with the Revdex.com regarding
a negative collected balance fee of .07 and an overdraft fee of $37.00 you received on your account
here at First National Bank (FNB).
A negative collected balance fee is charged when a...

business deposits checks and float is automatically
placed on the checks according to the routing number. This float can last up to 3 days and it means
FNB has not received the funds from the bank the check was drawn on, therefore the funds are
considered “uncollected”. If you use the funds on your account while the float is still in effect, the
account will reflect a negative balance on collected funds. The account will then incur a negative
collected balance fee at a rate of Prime +5% (currently 8.25%) based on the amount of the overdrawn
balance for the number of days it is overdrawn.
After research on your account, it was determined you had an Average Negative Collected Balance of
-$109.67 for 3 days which caused the .07 fee to be charged. This was calculated in the following way -
109.67 x 8.25% = $9.05/365 days x 3 days - .07.
The overdraft fee was charged when you used a debit card to make a purchase at Kwik Fill on
September 15 in the amount of $12.00 but the funds in your account were $8.66 causing an overdrawn
balance of -$3.34. Therefore the $37.00 overdraft fee was charged.
If you have further questions, please contact me at ###-###-####.

This letter is a follow-up to your complaint dated May 14’2015 to the Better BusinessBureau. After our conversation on May 29th, the charges were to be reversed and youraccount credited. Today, we have reviewed your account and confirmed that the chargesin the amount of $194.00 were indeed credited...

on May 29, 2015.We appreciate your business and look forward to serving you in the future with yourbanking needs. As mentioned in my e-mail from May 291', please do not hesitate tocontact me with any questions or concerns.[redacted]Senior Vice PresidentMarket Manager

Please accept this
letter in response to the complaint that you filed with the RevDex.com (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

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

Regency Finance Company has reviewed this matter, our position has not changed and consider this matter closed.

Customer Response Letter Attached

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

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,

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]

Please accept this letter in response to the complaint that you filed with the Revdex.com onNovember 23, 2016, regarding account fees assessed to your checking accounts at First National Bank ofPennsylvania (FNB).Our research indicated that from September 1, 2016, through November 30,...

2016, the fees assessed toyour accounts were a result of insufficient funds in your accounts, at the time, items were presentedand were not related to a bank error. The amount of the overdraft fees (OD Fees) assessed during thistime period was $565.00. The breakdown of the fees assessed to each account is referenced below:• Checking account ending in [redacted]4 OD Fees at $37.00 per item13 continuous OD Fees at $12.00 (charged every 3 days that the account remains overdrawn)• Checking account ending in [redacted]3 OD Fees at $37.00 per item15 overdraft protection transfer fees at $10.00 per occurrenceDecember 2, 2016, we attempted to reach you at the phone number and email provided. As of thisletter you have not responded to the request to contact me.We hope that this response to your complaint meets your satisfaction. While this communication isintended to present the facts of the situation, we would like to express our appreciation for yourbusiness. If I can be of any further assistance please do not hesitate to contact me directly at thenumber referenced below.Charles B[redacted]