First National Bank of PA

On Thursday, April 9, 2015, we contacted Mr. [redacted] regarding this matter and explained that the results of the appraisal were not within our control.  Per the regulation, appraisal companies are required to be independent entities of the Bank.  The prepayment penalty...

was disclosed in the loan documents (see note attached) that Mr. [redacted] received and signed at loan closing.  In this case, First National Bank is not inclined to waive the prepayment fee.

Please accept this letter in response to the complaint you filed with the Revdex.com on May26, 2016 regarding the overdraft fees (OD Fees) assessed to your account with First National Bank ofPennsylvania (“FNB”).As stated in your complaint, the $50 payment to Capital One on April 22,...

2016, overdrew yourchecking account ending in 5965 and on April 25, 2016, this transaction was returned due toinsufficient funds. As a result, on April 25, 2016 an OD Fee of $37 was assessed to your account.Every three days that your account remained overdrawn a continuous OD Fee of $12 was assessed toyour account. Per our conversation on May 27, 2016, FNB agreed as a courtesy, to refund all OD Feescharged and close your account.We hope this response to your complaint meets your satisfaction. While this communication is intendedto present the facts of the situation, we would also like to express our appreciation for your business andhope that you will provide us the opportunity to continue serving you.Sincerely,Susan ** D[redacted]Vice PresidentMarket ManagerFirst National Bank

Please accept this letter in response to the complaint that you filed with the Revdex.com onNovember 29,2016, regarding the collection activities for your loan at Regency Finance Company (RFC)on your account ending in [redacted]During a review of your account, we did not note any prior...

written or oral notifications from yourequesting that RFC not contact you at your home for debt collection purposes. RFC will respectfullyadhere to your request.Enclosed is a copy of your payment history regarding this account. As you can see, there are numerousnon-sufficient fund checks associated with your account, as well as, partial payments which caused youraccount to go into a delinquent status. Though we appreciate the effort made on your account, weneed the total monthly payment each month to ensure your credit status is not affected. If you arelooking for a hardship reclassification of your account, contact the branch manager, at our Greensburlocation at ###-###-#### for an updated application.We hope this response to your complaint meets your satisfaction. While this communication isintended to present the facts of the situation, we would also like to express our appreciation for yourbusiness.

After reviewing your letter, we are led to believe that you intended to contact a different First National Bank, specifically, First National Bank of Mifflintown. We are First National Bank of Pennsylvania. We have provided you the contact information (below) for First National Bank of Mifflintown...

and strongly encourage you to give them a call to confirm you have the correct bank and mailing address prior to mailing your concerns. If you did intend to contact us at First National Bank of Pennsylvania, feel free to call our Customer Service number for further assistance: ###-###-####. First National Bank of Mifflintown ###-###-#### [redacted] Thank you,    Rebecca C[redacted] Problem Resolution and Escalated Response Administrator Consumer Banking Solutions First National Bank

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

Please accept this letter in response to the complaint you filed with the CFPB on November 10, 2015,regarding your checking account with First National Bank of Pennsylvania (FNB). This letter willaddress the issues cited in your complaint and an explanation for the response provided.Issue...

-Availability of FundsThis response concerns your stated issue of being charged $407 in Overdraft Fees (OD Fees) onNovember 10, 2015, for transactions that posted to your account on November 9, 2015.FNB determined that you deposited a $420 transit check (non-FNB Check) via ATM on Saturday,November 7, 2015, at 3:17 pm. According to our Funds Availability Policy, these funds were notavailable until Tuesday, November 10, 2015, which you acknowledged in your letter. The beginningavailable balance in your account on Monday, November 9, 2015, was $1,258.11. A check in the amountof $860 was presented which brought the balance to $398.11. Next, a check for $343.30 was paid andyour balance decreased to $54.81. The remaining 11 items posted on November 9, 2015 (in the amountsof $85, $60, $49.68, $29.50, $28.69, $15, $7.44, $6.08, $5.71, $5.06, and $4.70) totaled $296.86 and werepresented for payment. These items overdrew your account which resulted in multiple overdraft feestotaling $407.On July 28, 2015, FNB previously issued you a one-time courtesy refund of OD Fees. Because the ODFees referenced in this complaint were not caused by a bank error, no refund can be issued.While this communication is intended to present the facts of the situation and the reasoning for ourdecision not to provide a refund, we hope that you will provide us the opportunity to continue servingyou. If you have any additional questions or if you would like to discuss the options we have available toavoid overdrafts in the future, feel free to contact me at ###-###-####.Sincerely,Market Manager[redacted]###-###-####"Relationships Built On Trust"™

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.

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) onApril 24,2017, regarding your loan ending [redacted] at First National Bank of Pennsylvania (FNB) successor bymerger to Yadkin Bank and NewBridge Bank.In January of 2017, you paid the remaining...

$600.00 balance of your charged off loan ending [redacted] throughNewBridge Bank, successor by merger to Yadkin Bank. Yadkin correctly updated your credit bureau file withinformation that this debt was "paid as agreed".FNB and Yadkin/NewBridge merged on March 11, 2017. In April of 2017, you noticed FNB was reporting loanending [redacted] as delinquent and informed FNB. On April 24, 2017 you placed a complaint through the Revdex.com forthe issue.In research of the issue, it was determined that FNB reported the interest from loan ending [redacted] as beingdelinquent. Upon receiving your complaint and investigating the issue, FNB determined that your loan endingin [redacted] should not be reported as delinquent On April 28, 2017, FNB removed this debt and negativereporting from your credit file.We hope this response to your complaint meets your satisfaction. While this communication is intended topresent the facts of the situation, we would also like to express our appreciation for your business and ourhope that you will continue to allow us to serve your financial needs.Sincerely,Kim S[redacted]Asset Recovery Manager, AVPFirst National Bank

[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

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

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

We have received a copy of your communication from the Revdex.comregarding the status of your account number ending in [redacted].Upon reviewing your account, we have found the following:On May 9, 2016 you were notified by email from our Customer Service area that youneeded to completed steps...

to insure functionality for your mobile device tied to your FirstNational Bank accounts. You responded the same day that you understood what neededcompleted. On May 12, 2016 you used your mobile banking device to review allaccounts that you hold with First National Bank including pending transactions.On May 13, 2016 a bill payment item payable to [redacted] for $116.00 was presented forpayment and at 9:18 pm on the same day a transfer was created from checking accountending in [redacted]. Since the transfer was not initiated until after the Bank’s cut off time of8:00 pm. This is why your account incurred an overdraft fee.As a courtesy to you, on May 20, 2016 refunds totaling $49.00 were generated for youraccount to take the balance to zero.Thank you for taking the time to share this valuable information.Nicholas ** L[redacted]

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

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.

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 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 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 April13, 2017. The purpose of this communication is to address the issues cited in your complaint regardingthe same-as-cash (SAC) option and interest charges on your account with Regency Finance...

Company(RFC).Upon researching payment history on your account, we did not receive the minimum monthly paymentof $159.00 on your account covering the February 3, 2017 and March 3, 2017 statement periods. Thereis a 10-day grace period, which would have extended the expiration through March 11, 2017. We did notreceive the next payment until March 15, 2017.The payment received on March 15, 2017 would have paid off the account under the SAC option. As acustomer courtesy, we are willing to accept this as the payoff and re-instate the SAC option on youraccount.We hope this response to your complaint meets your satisfaction. While this communication is intendedto present the facts of the situation, we would also like to express our appreciation for your business andour hope that you will consider giving us the opportunity to serve you again in the future.Sincerely,Rick M[redacted]Vice President, Quality Control Manager/Compliance OfficerRegency Finance Company

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] 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]