First National Bank of PA

Please accept this letter in response to the complaint that you filed with the Revdex.com on January 6, 2017. Your complaint is in regard to the automatic payment withdrawals from your checking account for your loan at Regency Finance Company ("RFC") on your account ending in [redacted]....

During a review of your account, we did not locate prior written or oral notifications from you requesting that RFC not process phone payments from your checking account. RFC will respectfully adhere to your request. Enclosed is a copy of the payment history regarding this account for your reference. In speaking with the manager of the office, he confirmed he spoke to you and conveyed the same information to you. RFC will no longer process funds from the checking account per your request. Should you need any additional information, please contact Robert K[redacted], Regional Manager, at ###-###-####. You may also contact me at the number listed in my signature line. We hope this response to your complaint meets your satisfaction. While this communication is intended to present the facts of the situation, we would also like to express our appreciation for your business. Sincerely, Rick M[redacted] Vice President, Quality Control Manager/Compliance Officer Regency Finance Company ###-###-####

The bank claims I did not have available funds until 10 November 2015 which is why they charged me overdraft fee's totaling in 481.00 dollars. However, according to my account statement from the bank, all deposited funds were available on 09 November 2015. I was not charged any fees until after on the 10th. I have numerous copies of my statement proving this to be true which I can provide.

I do not accept their response. They have created it that they can charge NSF at anytime. Again 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 $500 drafted to another FNB account, at the same branch, should NOT have been honored. In October, the house payment draft from FNB was a human error, otherwise there would have been sufficient funds for the check. But instead the check was put through knowing that putting through a $500 check would cause substantial fees. In addition, if the bank would have placed the $500 withdrawal on my account immediately, I could have made a deposit before the close of the Uniontown branch office. I did not know it was negative until the following day on both occasions. Checks should be processed immediately, and posted as pending. I still stand by the correct customer service thing to do is HONOR the expenses AS PRESENTED, as I was told in April. The fees in September would have been $37 versus $111. The check in October should NOT have been processed or only a $37 fee versus $185. I am a human being, who makes errors. In every instance of overdraft, funds were immediately placed to correct them. However, I work very hard for my money to help keep a roof over my head and pay for the extra needs of my Autistic son. I believe, this bank has a choice to do what is right for the customer and see that their policies are very costly. It 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 processed. I do not feel their discretion was used in the best interest of the client; but, in the best interest of the bank.
Regards,
[redacted]

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

Please accept this letter in response to the complaint that you filed with the Revdex.com(Revdex.com) on June 6, 2017, regarding returned item fees and balance consistency on your checking accountending in 0011 at First National Bank of Pennsylvania (FNB).On June 5,2017, your ending balance was...

$11.25. To determine your available balance for June 6, 2017,we take your ending balance from the prior business day plus or minus any pre-authorized debits oravailable credits. Your available balance to pay items on June 6, 2017 was $11.25. From your availablebalance your account was presented with one item totaling $20.00, which posted to your accountleaving a negative balance of $8.75. The returned item fee charged to your account on June 7, 2017, of$37.00 was caused by the following transaction amounts: $20.00. The returned item fee was incurredper the deposit account agreement and personal fee schedule, provided to you at account opening andenclosed for reference.On June 6,2017, your ending balance was $3.25. To determine your available balance for June 7,2017,we take your ending balance from the prior business day plus or minus any pre-authorized debits oravailable credits. Your available balance to pay items on June 7, 2017 was $3.25. A cash deposit of$20.00 was posted to your account ending 0011 and the $20.00 item was returned for non-sufficientfunds and credited to your account, leaving a balance of $43.25. From your available balance youraccount was presented with two items, totaling $47.67, which posted to your account leaving a negativebalance of $4.42.On June 7,2017, your ending balance was negative $4.42. To determine your available balance for June8, 2017, we take your ending balance from the prior business day plus or minus any pre-authorizeddebits or available credits. Your available balance to pay items on June 8, 2017 was negative $4.42. Fromyour available balance your account was presented with one item, the $20.00 check previously returnedfor non-sufficient funds, which posted to your account leaving a negative balance of $24.42. On June 9,2017, the $20.00 item was returned a second time for non-sufficient funds and credited to accountending 0011. The returned item fee charged to your account on June 9,2017, of $37.00 was caused bythe following transaction amounts: $20.00.On June 6, 2017, you discussed the returned item, the returned item fees, bank hours and how/whenthe above transactions posted to your account, in addition to FNB's refund policy, via telephone withEileen [redacted] (Branch Manager, Forest City branch). Ms. [redacted] explained that you had received acourtesy refund and no further refunds would be given unless there was a bank error or fraud onaccount ending 0011. You indicated your dissatisfaction with the conversation and requested a call fromMs. [redacted]'s manager.On June 19, 2 0 1 7 ,1 spoke with you via telephone. We discussed FNB's refund policy and how thetransactions listed above caused returned items and returned item fees. I reiterated that you hadreceived a previous courtesy refund and would not receive another. You again expressed yourdissatisfaction with the conversation.On July 28, 2016 FNB issued you a one-time courtesy refund of overdraft fees. Due to the feesreferenced in this complaint not being caused by a bank error, no additional refund can be issued.We hope this response to your complaint meets your satisfaction. While this communication is intendedto present the facts of the situation, wu would also like to express our appreciation for your business andour hope that you will continue to allow us to serve your financial needs.Sincerely,Sandy W[redacted]Vice PresidentMarket Manager, Capital RegionFirst National

Although we understand Mrs. [redacted]’s concern about the amount of overdraft fees she has
incurred, we have reviewed the activity on her account and have found that all charges are
legitimate. First National Bank encourages every customer to balance their account to the bank
statement and...

never make purchases or write checks prior to having the funds available in their
account.
The bank’s policy was explained to Mrs. [redacted] in April.  She was told that when she swipes her
debit card for purchases, those funds are immediately removed from her available funds.    
Then again in September, when the account had additional overdrafts, we explained the bank’s
policy of paying the highest dollar value items first, because the higher amounts generally carry
more importance for customers.
In October, we called Mrs. [redacted] as a courtesy to reminder her that because she had closed her
savings account that she would no longer have overdraft protection transfers available from her
savings.  At this time we also offered other solutions for overdraft protection, such as a line of
credit attached to her checking.  It is the policy of First National Bank to provide our overdraft
honor program to our established customers, which honors checks and purchases that they
make up to $800.
Throughout this entire process, it was explained to Mrs. [redacted] that the only way we could
refund any fees would be if the bank had made an error on her account.   
After another careful audit of Mrs. [redacted]’s account, we still conclude that the bank has made
no error and all of the banks procedures have been followed to the approved policies
guidelines.

October 14,2016Case Number: [redacted]Dear Ms. [redacted],Please accept this letter in response to the complaint you filed with the Revdex.com onOctober 5, 2016, regarding your checking account at First National Bank of Pennsylvania (FNB).On October 6, 2016, you called the call center...

regarding the $7.56 PayPal transaction that postedto your account ending in 0815 on October 3, 2016. This transaction overdrew your account,which caused the $37.00 overdraft fee (OD Fee) on October 4, 2016, and the $12.00 ContinuousOD Fee on October 5, 2016. The agent advised that you could dispute the transaction, if you feltthe transaction was unauthorized, but your response was that you authorized the transaction andthere was nothing to dispute. In your complaint, you indicated that the $7.56 PayPal transactionwas unauthorized, action was taken, and our Uniontown Branch has been trying to reach you togather additional information.Our records indicate that your account does have overdraft services but is opted out of RegulationE, which does not authorize FNB to pay overdrafts on ATM transactions and everyday debit cardtransactions. However, checks and automated clearing house debit transactions made using yourchecking account number while your account is in an opt-out status can overdraw your accountand cause OD Fees. This is why your account was assessed an OD Fee for the PayPaltransaction.During the call the agent also informed you that you would not be able to close your account untilyour account was brought to a positive balance.Hopefully I have addressed your questions and concerns, but if you would like to discuss ouronline services further, please contact me at ###-###-####.We hope this response to your complaint meets your satisfaction. While this communication isintended to present the facts of the situation, we would also like to express our appreciation foryour business.Sincerely,Barbara G[redacted]VP Customer Service ManagerFirst National Bank of Pennsylvania

Please accept this letter in response to the complaint we received from the Revdex.comregarding your account in our Richmond, Kentucky office. The purpose of this communication is toaddress the issues cited in your complaint regarding the same-as-cash option on your account.In your...

complaint, you stated that you did not receive the [redacted] from [redacted] prior to ourpurchase date on your account. According to the information Regency received from [redacted],your delivery date was 12/23/16. This is prior to our contract date on your account. Originally, [redacted] provided 12/18/16 as your delivery date.In light of this information from our dealer, we are willing to accept your same as cash payment, andyour account has no balance going forward.If you need any additional information, feel free to contact Regional Manager Mark M[redacted] at [redacted]
[redacted] or myself at the numbers listed below.Sincerely,Rick M[redacted]Vice President, Quality Control Manager/Compliance OfficerRegency Finance Company

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

This letter is in response to the complaint received by First National Bank of Pennsylvania(FNB) on March 14,2016, from the Revdex.com on your behalf. This letter serves asour response to this matter.On Saturday, February 20,2016, a $60 cash deposit was made to your checking account...

endingin 3633 via an ATM, those funds were not considered received until Monday, February 22,2016and not available until Tuesday, February 23, 2016. FNB’s Funds Availability Process wasdisclosed to you in the Deposit Account Agreement, this process was further explained duringour March 15, 2016, phone conversation. As a courtesy, $37 was refunded to your checkingaccount on March 16, 2016.If you have any questions please contact me directly at ###-###-####.

The attached response was mailed to the client on 7/22/16.

In response to complaint #[redacted], the customer has a history of overdrafts, none of which were a result of bank error.  As a goodwill gesture, the customer received refunds on multiple occasions.  The Branch Manager counseled the customer on alternatives to assist in avoiding future...

overdrafts, such as an unsecured line of credit and/or establishing a savings account with automatic transfers to cover overdrafts.  The customer declined these services and recently incurred another overdraft, for which a refund has been requested.   Due to the repetitive nature of these overdrafts, the customer was informed that no further refunds would be granted.

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 .###-###-####

Please accept this letter in response to the complaint you filed with the Revdex.com onDecember 5,2016, regarding the status o f your checking account at First National Bank ofPennsylvania (FNB).On November 18,2016, your ending balance in your checking account ending in [redacted] was...

$132.93.To determine your available balance for November 19,2016, we take your ending balance from theprior business day plus or minus any preauthorized debits or available credits. Your available balanceto pay items on November 19, 2016, was $122.87 (preauthorized debit $10.06). From your availablebalance your account was presented with five items totaling $192.64 which posted to your accountleaving a negative balance o f $59.71. The overdraft fees (OD Fees) charged to your account onNovember 22, 2016, of $148.00 were caused by the following transaction amounts: $56.37, $33.00,$26.29 and $10.06. The preauthorized debit of $10.06 referenced above never dropped off andnegatively impacted your available balance. The actual balance to pay items on November 19, 2016,should have been $132.93 not $122.87. Due to this error, your account was assessed an OD Fee for the$56.37 Target transaction. The OD Fee charged to your account on November 22,2016, should havebeen $111.00 and not $148.00. On December 6, 2016, a refund o f $37,00 was credited to yourchecking account ending in [redacted].On November 19, 2016, you deposited a $500.00 check into an FNB automated teller machine (ATM).Per FNB’s funds availability policy, this deposit was considered received on the next business day,which was Monday, November 21,2016, and available to pay items on Tuesday, November 22,2016.We hope this response to your complaint meets your satisfaction. While this communication isintended to present the facts o f the situation, we would also like to express our appreciation for yourbusiness.Sincerely,Alison ** S[redacted]Market Manager and Vice PresidentFirst National Bank of Pennsylvania

My name is [redacted], and I run the Pittsburgh Region for First National Bank of Pennsylvania. I am in receipt ofyour complaint to the Revdex.com dated 1/8/15 in regards to our dormant account policy. Although thefees we charged are detailed in our Deposit Account Agreement, as a...

courtesy, I am going to refund the $50.00 toyou. Enclosed please find a check in that amount.

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###-###-####

We have received a copy o f your communication from the Revdex.com regarding the status of your accountsending in 1381 and 5580. After reviewing your accounts, we have found the following:On 08/24/2015, you filed disputes on 16 items from [redacted] with dates ranging from...

07/19/2015 through08/23/2015. Because you had prior relationships with this merchant you chose which items to dispute and which items werelegitimate. Temporary provisional credit totaling $604.00 was provided on 08/31/2015 for all of the disputed items. TheBank is still conducting its investigation which is due to expire in 90 days (11/17/2015) from your initial notification. Asecond checking account was opened for you at your request on 10/14/2015 as a courtesy so you would have access to fundsthat were being deposited.On 11/02/2015, the initial disputed account had been overdrawn for 49 days. Regardless of situation, the Bank’s policy is to“charge off ’ an account that has been continuously overdrawn for 49 days. At the time of the charge off, the bank reservesthe right to “use the money from any other account in which you hold an interest to pay the debt” . This is found in theDeposit Account Agreement. When the original, disputed account was charged off, funds were collected from the newaccount that was opened to off-set the amount owed to the bank. The charge off was not sent to Collections and will not besent until the disputes that were filed are resolved.The case will be resolved on 11/17/2015, at which time the action taken will depend on the outcome o f the disputes. If thedisputes are valid, the temporary provisional credit will become permanent and any fees assessed as a result o f the disputeditems will be refunded. If the disputes are not found to be valid, the temporary provisional credit will be reversed and theamount owed to the bank will be sent to Collections.

To all they have not told the truth and honesty. The first problem was when First National Bank took over Metro they sent out a payment through the bill pay dated not to go out on April 1,2016 and they sent it out  on February 1,2016 and charge me 35.00 overdraft fee and it was their fault and dud not  fix it, then being they sent the bill pay out to early and charge me fee  of 35.00 and then being the account was overdraw they then charge me a 111.00 fee. This bank know my Military check does not go into the bank tiil the 1st and I never scehdule any payment till the forst or after.By thime it was over and done with all the fees my accout was negative $1200.00 for all their fees and which is outrages. They sent me emails through their site that they sent out  letter and their booklet oabout them and all the fees.And as we stanfd now with all their fees they have my account at negative $1000.00. I need someone to go in and check out things cause I refuse to to apy these outrages fees. And when I called to talk to te manager the excuse was that she was not there and she was the only mamager trying to run three banks till they get new managers.I get $3068.00 amonth in my pension and I have money to pay everything but the way they did anddiong things with all their outrages fees no one can afford.And when I called and ask to stop payments on theingsor for them to close my account they claim they cannot do either.So with all this I hoping someone investigate this and a;ll the outrages fees they are charging.I have never in my life had trouble with a bank till now.The first National Bank here in Harrisbyrg, Pa is the worst bank in with all their putrages fees.I legelly do not know how they are allow to charge fees like 111.00 overdrafts in one draw and and  115.00 in another draw.I am apply to this being I haoping someone is out there to help the customer or citizen instead allowing these banks and company to proceed in charging out rages fees!Sincerely and Thankyou

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]

Dear Ms. [redacted]Please accept this letter in response to the complaint you tiled with the Revdex.com onOctober 13, 2016, regarding a missing check for $35.00 from your deposit made on October 7, 2016 atFirst National Bank of Pennsylvania (FNB).We apologize that your deposit was...

mishandled, which caused a $35.00 debit correction to youraccount on October 7, 2016. Per your conversation with the Manager at Hampden Center on October24, 2016, your account ending in 0417 was credited $35.00.If you additional questions or concerns, please reach out the Hampden Center’s branch manager at [redacted].We hope this response to your complaint meets your satisfaction. While this communication isintended to present the facts of the situation, we would also like to express our appreciation for yourbusiness.Sincerely,Kristen M[redacted]Vice President and Market ManagerFirst National Bank o f Pennsylvania