First National Bank of PA

We have received a copy of your communication from the Revdex.com regarding the statusof your account number ending in 0212.Upon reviewing your account, we have found the following:You made a deposit on Friday, July 31, 2015 at 10:00 p.m. at the First National Bank ATM on JameswayRoad in...

Ebensburg, thus making those funds not available to pay items until the next business day. Youravailable balance on August 4, 2015 was $1.28, minus an online payment to [redacted] which totaled$136.43, which left you with a -$135.15 in collected funds to cover all transactions. This item incurred a$37.00 fee for non-collected funds.The Bank shows your deposit as of the day it is received. However, please keep in mind, it was notavailable as collected funds to pay for any of the items processed that day. As stated in the DepositAccount Agreement, deposits must be made before 7:30 p.m. ET on a business day to receive next dayavailability of funds. If you make a deposit after 7:30 p.m. ET, or on a day we are not open, we willconsider that the deposit was made on the next business day we are open. Please understand thatSaturdays are not considered a business day, as we are open only as a customer convenience.Since our statements do not show the difference between collected and non-collected funds specifically,your statement showed a balance of $141.28 on August 3rd.First National Bank's funds availability schedule has been explained to you in the past, specifically onJune 19, 2013 and on September 12, 2013. However, as a one-time courtesy, we have credited youraccount the $37.00 overdraft fee.Please feel free to contact us with any further questions.

Review: I had purchased furniture through a local furniture store, they offered same as cash for 1 year through Regency Finance Company. I had been paying lump payments monthly with no issues. During the month of August 2016 I receive a statement to pay my bill, but it was much later than it usually arrives. This company does not have an online pay feature, and they charge extra to pay by phone. I paid my bill through the mail. I received a phone call 5 days after my 10 grace period stating that they had never received my payment, and that I now owe the full interest amount on the purchase. I explained that I received my statement late, and that I'd never been late on a payment before. I asked if they had received my August payment yet, and the answer was no. They called AFTER the 10 day grace period to notify me that they'd not received my payment, they lost my payment, and now are charging me the full finance charge. I refused to pay by phone because of the extra charges, so I mailed my payment again noting that I paid in full. This collection group called me personally to tell me that the balance was not paid in full that the interest amount remained, when they could have simply sent a bill, this to me is harassment. I feel that they purposely lost my August payment initially in order to collect their finance fees, and called days AFTER the grace period to communicate that I was delinquent. Because of their reluctance to work with me I will never use this group again or the local furniture store whom I've also complained to.

Product_Or_Service: FurnitureDesired Settlement: DesiredSettlementID: Billing Adjustment

I've since paid the remainder of the balance which was the interest portion in order for my credit to not be affected. I would like to see this amount returned to me, as it was not my fault that the statement was received late, the company lost my payment, and the company called me 5 days after the 10 day grace period to tell me that my payment had not been received. I feel that this operation is unorganized and untrustworthy. On top of this, they chose t

Review: Earlier this year (2016) First National Bank acquired 17 branch offices from 5th3rd Bank. As a result of this transaction both our checking account and savings account were automatically transferred to First National Bank on April 22nd. Our mortgage remained with 5th3rd.

The two 5th3rd Bank accounts were established (2013) as a contingency for receiving a mortgage. One requirement being to have the mortgage payment paid directly from the checking account. The only requirement on the savings account was to maintain a minimum of $25 and all fees were waived.

At no time were we notified by either bank that this arrangement would change. In fact the mortgage was still automatically being deducted from the new First National checking account.

On June 17th we visited our local First National branch to withdraw our balances and to close our accounts. The checking account balance was what we expected but the savings account showed a balance of $1. I questioned this figure and the teller pulled up the account on her computer screen and explained that the reduced balance was the result of fees and finance charge for the account being inactive. I expressed my displeasure and the bank manager called the branch that was responsible for the account. She spoke with the assistant manager who offered to refund $10 in addition to the $1 balance but no more since we were closing the account.

As of June 17th we had not received a statement from First National or any communication about their policy on this savings account. As of this date, June 27th, 2016, we have received only a notice of the account being closed. I am expecting to receive an end of quarter statement at the beginning of July which I expect will agree with printout that I received from the teller on the 17th. It showed that the bank deducted $10 “dormant account fee” on May 2nd. This is a mere 11 days after the account was transferred to First National. This was followed on May 31st with a $4 “service fee” and by another $10 “dormant account fee” on June 1st.

This whole thing over $25 may sound petty but First National did the same thing to my daughter and her husband. I suspect that we aren’t the only accounts that have been ripped off. This could be a substantial amount of money if they did this with every account that was transferred in the sale.Desired Settlement: Return of fees to every customer that had their accounts transferred to First National Bank in the sale of the 5th3rd branch offices.

Business

Response:

Please accept this letter in response to the complaint you filed with the Consumer FinancialProtection Bureau on July 1, 2016, regarding your savings account at First National Bank ofPennsylvania ("FNB").Prior to the merger, all Fifth Third Bank customers were mailed a Welcome Booklet (enclosed)which included full disclosure of the $4.00 monthly account service charge and FNB's dormantaccount policy. Mailing of the Welcome Booklet was completed on March 14, 2016.The Welcome Booklet serves as the required legal notification of changes to your account(s). Onpage six of the Welcome Booklet, a chart lists Fifth Third Bank saving account types and thecorresponding First National Bank savings account types. The chart also provides an overview ofthe account, minimum balance requirements to avoid a monthly service charge, amount ofmonthly service charge, as well as other account benefits. As noted on the bottom of the chart,"Checking and saving accounts are considered dormant after 24 months of no activity and willbe assessed a dormant fee. Please refer to the Important Account Information disclosures forthe current fee schedule/' The Important Account Information disclosure and fee schedule wasalso mailed with the Welcome Booklet.As a courtesy, FNB will refund the $10.00 Dormant Account Fee and $4.00 Service Charge.Please see the enclosed check for $14.00.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 and our hope that you will give us the opportunity to serve your banking needsagain in the future.

Review: I used my arm card and made several purchases on a Friday and Saturday, then on Sunday I made a withdrawal that over drafted the account. That was my error. Then Tuesday I look at my statement and see I was charged overdraft fees for all purchases I made Friday and Saturday. When I called the bank they stated that all the transactions cleared at the same time and the largest transaction is always completed first for each day. So all of the transactions ended up causing an overdraft fee...Desired Settlement: Refund of overdraft fees for the transactions that where made prior to the acount being overdrawn.

Business

Response:

Please accept this letter in response to the complaint you filed with the Office of the BetterBusiness Bureau on May 4, 2016 regarding the status of your checking account at First NationalBank of Pennsylvania (FNB). This letter will address the issue cited in your complaint and anexplanation for the response provided.On April 15 your ending balance in your account number ending in 455 was $139.57. On April18 your account was presented with 3 Point of Sate (POS) transactions of $33.10, $22.72, and$20.00. Also presented to your account was an ATM withdrawal of $500.00, We post itemspresented to your account from the highest to the lowest resulting in the $500.00 ATMwithdrawal being the first item presented to your account on April 18 and remaining 3 POStransactions to be posted after from highest to lowest. This caused your account to receive 4NSF fees totaling $148.00 on April 19.As a one-time courtesy we will refund overdraft fees in the amount of $111.00 for the 3 Pointof Sale transactions. Please keep in mind we pay items presented to your account from highestto lowest each day.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 and our hope that you will consider giving us the opportunity to serve you againin the future.

Review: The financing company misrepresented the 24 month no finance charge terms by not giving me 24 full bill cycles to fulfill my line of credit term before assessing interest.Desired Settlement: Finish my 24th installment payment of $390.94 and not be subject to $1,277.24 in interest when I never missed or was late on a payment for 23/24 months to date.

Business

Response:

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

Consumer

Response:

Original Body of the Letter I Sent to Regency Finance Company:

"When I signed up for this line of credit with [redacted]

Furniture they assured me I would have 24 months of bill cycles to complete the

initial purchase amount of $4944.94. I

contest the finance charge of $1,277.24 billed on 6/9/16 as this will be the

24th of 24 months of bills and the dates clearly say past due as older than

6/3/16 (6 days less than 2 years) and current up to 7/5/16. I am making the last and final payment this

month to satisfy the initial amount.

I have never been delinquent with any monthly payment to

date and thus have been in good standing the entire time with this

account. I request that my account permanently

be closed as I have zeroed out the account balance and met my 24 month cycle deadline

as outlined by the originating company, [redacted] Furniture, initiating the line of

credit on your behalf. I have also filed

a complaint with the Revdex.com on grounds to pursue legal action

should this matter not be closed/resolved in a timely matter."

I have been with First National Bank for 30 years. Over the years, there have been a half dozen times I have considered changing banks. Today I resolved to do so as soon as possible and to take my family and whoever else I can manage with me. This bank has a common practice of legal thievery. Their customer service is non-existent and they skew their policies to benefit themselves. The latest incident, we deposited a check through the ATM on a Saturday. Monday morning I checked and saw the deposit was pending. If I had gone in to the bank Monday morning to deposit the check, the funds would have been available that afternoon. As it was explained to me just now, because I deposited the funds through the ATM the previous Saturday, they did not give us credit for the money until Tuesday morning. Two or three things that went through Monday afternoon/evening were counted as overdrafts even though there was plenty of money to cover them. This morning, I got an email about my account and within 10 minutes was at the bank with cash in hand to not only cover, (because it was already covered by the check from the previous Saturday which had just gone through) but enough to be nearly $1000 to the good. They still charged me nearly $200 in penalties and late fees. The manager stood over me with his arms crossed, scowling and repeating the same ridiculously unfair deposit practice over and over as if I was a feeble minded child. I can not begin to give this bank a poor enough rating. Horribly unjust, unfair and intimidating. Run, do not walk to another bank. This one, its policies, its management and its non-existent customer service are beyond redemption.

Review: On 9/13/16 an e-check processed through my bank in the amount of $385. This was an unauthorized withdrawal from a company called "[redacted]". Upon notifying FNB of this fraudulent activity I was advised I needed to go to the local branch and sign paperwork to start an investigation, which I did. The local Branch is on Cape Horn road in Red Lion, Pa. However, I was told it could take 10 days for the investigation to complete before any monies would be returned to the account. While I understand that fraudulent activity is becoming more common place these days, I feel that FNB has failed in their responsibility to protect me and my money. The e-check was processed under the name [redacted] "[redacted]", a name that I haven't used in almost 4 years since I married and changed my last name to "[redacted]" ([redacted] is the name on my bank account!). In addition, the check stated the name of the bank as "Commerce"! Commerce bank changed to "Metro" bank years ago, and then changed again to "FNB" earlier this year. These should have been "Red Flags" to the bank, yet the money was released without regard. I would like the the monies returned, without delay! It is not my fault the bank has shoddy practices that do not protect its customers. FNB failed to protect my money!Desired Settlement: Return the $385 to my account without having to wait 10 days My income is limited and I should not be the victim. FNB failed in their responsibility to protect my money...especially since there was enough "Red Flags' to prevent this from happening.

Review: I have while back , I was going thru some issues and needed to get a loan to be able to move where I needed to go. Been paying on time for over year or more. Now I have had issues that I am unable to pay right now. I had to move out on my own and don't have the money to pay my CURRENT bills that to pay that bill right now. I am planning on paying when I could, but can't get money out that I don't have right now. They keep harassing me completely. I never had someone call me always at work , when I told her time and time again, that not to call me at my job cause they get me fired I wouldn't at all be able to pay. She STILL continue to call and after 3 people told her (them) that I no longer worked at the place, just to get her to stop, and STILL calls at my employment. Cell, work and mail!!!Desired Settlement: For Cindy or anyone at this company to STOP harassing me. More NOT TO keep calling me at my job.!!!!!!!!!!!!!!! Its my personal issue and I don't need or WANT to disguss my business around everyone else.

Business

Response:

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

Review: I have a serious concern about the branch manager's behavior and conduct towards me as a customer. I dropped off 2 checks for payment on 5/31. One they could cash on 6/3 and the other on 6/13. That would have brought me current. They cashed the $200.00 check and then never contacted me to indicate that they were going to repossess my vehicle. I was not even 1 month late. They had the check in their office, an arrangement which we made before in prior months where I would drop off checks with dates they could cash them. This way they knew they had my payments and I was good for them. I am not going to give them a check unless I know I have money in my account. They never returned my check for my May payment. June payment is not due and they came and repossessed my vehicle on Tuesday, 6/7/16. All this when they HAD MY CHECK IN THEIR OFFICE FOR THE PAYMENT. The manager, Brian C[redacted], is very rude, inconsiderate, ignorant, demeaning, cocky, and smug. So, on top of the payment I had to make since they would not accept my check and ended up giving it back to me today 6/10/16, (FYI - I NEVER EVER bounced a check to this company), I had to pay a repossession fee in the amount of $350+/-. And, on top of that, fees in the amount of $175 to get my truck out of the impound. This action on their part of repossessing my vehicle when they cashed 1 check and had the other check in their possession, (again, a practice we have done before) which they could cash on 6/13 is uncalled for and some type of action should be taken to stop them from doing this to other unfortunate customers. Particularly, something should be done about this branch manager. I NEVER had issues with the prior manager, Chris. She was very understanding of our situation as my husband has been out of work since August 2015 due to an injury, and I am trying my best to make my payments.

Prior to this, I have had him APPEAR AT MY HOUSE to collect a month's payment- a practice I would think is totally inappropriate and borders on the line of harassment. I have had his assistant, Nicole, text me from HER PERSONAL CELL PHONE about payments. They know I cannot be contacted during the work hours. I am not allowed personal calls at work, unless it is a life or death situation.

After these incidents, and them calling me like 4-5 times a day - daily, again bordering on harassment, I faxed them a letter on 1/28/16 stating that I would make my monthly payments somewhere around the 20th of the month, a request that I was informed I had to put in writing, so I did. I have other financial obligations to pay, as well and I have to divide them between my pay checks. There was no subsequent response from them to my correspondence that that arrangement was not acceptable.

Additionally, I am permitted to defer 2 months of payments a year, an option I should be entitled to use.

I would appreciate some input as to what can be done with this company for their bad collection practices. Thank you.Desired Settlement: I would like to be reimbursed for the repossession fee of $350 plus the impound fee of $175 due to their bad faith and bad collection practices, when they had a check in their office to cash. They NEVER contacted me to say that they were not going to accept it. They cashed one but not the other??? The branch manager should be reprimanded for his actions and conduct, totally and completely unprofessional.

Business

Response:

Please accept this letter in response to the complaint that was filed with the Revdex.com onJune 10, 2016, regarding Regency Finance Company's collection efforts on her 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 Officer

Review: My bank was recently bought out by FNB and although I was not happy with the change, I was in the middle of major house repairs and consequently, I didn't get everything moved to my new account at Santander Bank. Long story short, I had not anticipated that [redacted] would pull from my account if I did not have sufficient funds. In the past, like my [redacted] phone account, they just discontinue service until I pay; no harm, no foul. Both debits usually come out within a day or two of each other. As anticipated, my phone was shut off but several days went by and I noticed that I still had [redacted]. I got onto my FNB On-line account & only then realized my account was overdrawn by $1.80. Yes, I said $1.80. [redacted] pulled from my FNB account on 6/22/16. On 6/23/16 I was charged an overdraft fee of $37. Then, THE VERY NEXT DAY, on 6/24/16, I received an additional $12 fee. And, (3) days after that, on 6/29/16, I received yet another $12 fee. Now, please note, at that point, I had not received any notification from FNB via email or any other form of communication indicating that my account had been overdrawn. On 6/30/16, my $40 retirement was direct deposited into my FNB account. The deposit covered the original $37 fee & with most banks, everything would have been balanced out but, not with FNB... They charged me yet another $12 fee on 7/5/16 because FNB's fees still had me in the negative. I drove 40 minutes to the nearest FNB & their ONLY Cust. Serv. Rep. was out but would call me as soon as she returned. I later received a call from the York Location, not the branch in which I made my inquiry. I explained the situation & requested reimbursement of the fees. Between the merger & the fact that I was only negative by $1.80, I felt my request was reasonable. I was told "if it's not a bank error FNB will not reimburse any fees". I called the corporate office & was told the same thing. I spoke with the Branch Manager, whom I was told wouldn't return my call & could not reason with him either.Desired Settlement: I would like a full refund/credit of all fees ($73 total) levied against my account because of a $1.80 mishap & I want my account closed. It would be an added bonus if FNB would learn the true meaning of GOOD customer service & appreciation of their patrons. They need to remember that without customers, they are nothing & will fold.

Business

Response:

Dear

Mr. [redacted],Please accept this

letter in response to the complaint you filed with the Revdex.com

on July 18, 2016, regarding the status of the overdraft fees (OD Fees) charged

to your account at First National Bank of Pennsylvania (;;FNB").On June 15, 2016, your ending balance

in your checking account ending in 4313 was $7.14. To determine your available

balance for March 4, 2016, we take your ending

balance from the prior business day plus or minus any preauthorized debits or

available credits. Your available balance to pay items on June 22, 2016, was $7.14. From your available balance,

your account was presented with a debit from Netflix for $8.99 leaving a

negative balance of $1.85, which you acknowledge in your complaint. As a

result, your account was assessed a $37.00 OD Fees on June 23, 2016. Your account remained overdrawn and was

assessed a continuous OD Fee of $12.00 on June

24, 2016 and June 29, 2016. A continuous OD Fee

is assessed to an account every three days that an account remains overdrawn.

On June 30, 2016, a credit of $40.09

was received which left your account with a negative balance of $22.76. Your

account remained overdrawn, and a continuous OD Fee of $12.00 was assessed to

your account on July 5, 2016, this reduced your

balance to a negative $34.76. On July 7,

2016, a deposit for $35.00 was made which brought your account to a positive

balance.Due to the OD Fees referenced in this complaint not being caused by a

bank error, no refund can be issued. Also, per your request your account was

closed on August 10, 2016.Sincerely,Kristen M[redacted] Vice

President Market Manager

Consumer

Response:

The response I received from Kristen M[redacted], Vice President of FNB, is nothing more than a reaccountment of the information I submitted to the Revdex.com in my original complaint. It is a summary of my bank statement, which I am more than capable of reading and understanding without the assistance of Ms. M[redacted].

Review: This complaint begins with the unauthorized selling of my checking account from Bank of America and purchase by First National Bank. Upon being contacted by First National Bank, I was told that there would be no way to prevent this transaction from happening. They told me I would need to contact all of the businesses with which I allow direct debits to be taken from my account, as they will not have my new account information. At this point, I had already moved far away from ANY First National Bank location. I opened a Wells Fargo account.

A few days BEFORE the date that First National Bank said they would be taking over my account, the switch happened. This caused all of my money to be in a bank which I live at least several hours away from. At this point, I decided to PAYPAL my own money to myself, as this was the only reasonable way to regain possession of my money.

After completing my paypal transaction, an unauthorized auto debit appeared from my student loan company. First National Bank said this WOULD NOT HAPPEN. I was totally unaware of this transaction, as I was done dealing with this account, and I was in the process of writing a letter to close the account. First National Bank charged me with many overdraft fees for a transaction that was not supposed to happen. They sent the account very quickly- suspiciously quickly- to collections where it remains. I have tried so many times to contact this company regarding this matter.Desired Settlement: I owe First National Bank the money that they paid to my student loan company. I do not owe them the fees for the transaction that I did not approve, and was approved by First National Bank without my knowledge.

I wish for the collections report to be removed from my credit report.

Business

Response:

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

Review: My husband and I were in the process of closing our account after FNB bought our old bank. My husband payed his credit card bill and accidentally chose this account instead of our new account. Fnb checking account only had a few dollars when it was overdraft. We found out when we received a letter from the bank. My husband called customer service and was told he would receive a call back within 48hrs. Time passed and still no return call. He called again and was told they couldn't help and to call a branch manager. He called the manager at the Hummelstown PA location and was told he has to call the branch we opened our account in palmyra pa. He then called the manager at that location and was told they could only remove $12 worth of fees. My husband said he wanted to talk to her manager and left his phone number. The same lady called back within the hour and said they could remove $49 worth of fees. Still unsatisfied but at wits end being passed around to different people all with different excuses he agreed. The account still was credited for the fees so I called customer service and was told the same thing about getting a return call within 48hrs.. I informed them my husband had already called and never received a call back and asked what's the next step if we don't hear back again. I was told I would have to call back and they would just send another message and that's the only thing they can do. This is not acceptable customer service. A whole month of being blown off and passed off by multiple people has resulted in our account now being $-121.39 and rising $12 every three days. This has been a never ending nightmare.Desired Settlement: Fees reversed and account closed

Business

Response:

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

Review: My complaint is when I had and overdraft they did not charge me $37.00 the charge me 110.00 and now as of 06/08/2016 they have charge me $295.00 over draft,this is outrages and I do not know how theuy can get away with all their outrages fees.it it not only the outrages fees it is atm fees and just last month their fees cost me $1500.00 and now with all their fees id is at 1028.00 over dragt fees and this not good business and I rellythink this is illegal.I need you to help!Desired Settlement: My complaint is when I had and overdraft they did not charge me $37.00 the charge me 110.00 and now as of 06/08/2016 they have charge me $295.00 over draft,this is outrages and I do not know how theuy can get away with all their outrages fees.it it not only the outrages fees it is atm fees and just last month their fees cost me $1500.00 and now with all their fees id is at 1028.00 over dragt fees and this not good business and I rellythink this is illegal.I need you to help! I wanr this investigated and fixed for their outrages fees rthe are charging sense the merge and took ove Metro Bank!

Business

Response:

Please accept this letter in response to the complaint you filed with the Revdex.com on June8, 2016, regarding the status of your checking account at First National Bank of Pennsylvania (“FNB”).On June 1, 2016, the beginning balance in your checking account ending in [redacted] was $1,522.33 after aTreasury Benefit deposit. That same day there were items being presented against the account whichresulted in an ending balance of $4.17. On June 2, 2016, a $82.73 charge from [redacted] cleared youraccount, this transaction overdrew your account leaving you with a negative balance of $78.56. OnJune 3, 2016, due to insufficient funds your account was assessed a $37.00 overdraft fee (OD Fee). OnJune 3, 2016 a $25.00 charge from [redacted] cleared your account, this transaction caused the OD Feethat was assessed to your account on June 6, 2016. Several automated teller machine (ATM)transactions on June 6, 2016, caused fees that were assessed from the ATM machine ($2.25 pertransaction not an FNB fee) as well as the foreign ATM fees ($2.50 per transaction) from FNB. OnJanuary 5’ 2016, you were mailed a welcome packet which referenced the type of checking account youwould have at FNB after the merger with Metro Bank. The fee schedule outlined the cost of ATMtransactions when not using an FNB machine, as well as, the fees associated with overdrafts to youraccount and continuous OD Fees if the account is not brought to a positive balance within three daysafter the initial occurrence. Your June statement, which outlines the activity noted above, are enclosedfor reference. Due to the OD Fees referenced in this complaint not being caused by a bank error, no additionalrefund can be issued.As a follow-up to this letter, the Branch Manager of the North 2nd Street office will call you to furtherdiscuss your overdraft occurrences and how we can help you avoid future OD Fees.While this communication is intended to present the facts of the situation, we would also like to expressour appreciation for your business and our hope that you will consider giving us the opportunity toserve you again in the future.Thank you,"Susan D[redacted]Market Manager

Consumer

Response:

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!

I was scammed by justfly.com I paid with my debit card and this bank failed to protect me and allowed them to collect $250 from my account plus they overdraft me and still they can't solve this issue. FNB will charge me every three days gor the overdraft and allowed justfly.com to get away with fraud. FBB is not there for their customers but for themselves abd this is how they get rich by the minute. I hope I can get help to solve this situation. I will never do business with FNB again, "NEVER AGAIN"

Review: jn the month of june I opened this account brand new account opened it with 50.00 I ordered checks which took almost three weeks to get here so I knew they where coming so I withdraw $20.00 from a atm all of a sudden I got a 37.00 overdraft fee on top a 12.00 service fee from a measly 60 cents I called the bank several times and to no avail got no where on saturday someone sent a email over to the main branch to forgive this because I am a new account and still no response all of a sudden I got another service fee for another 12.00 bringing the total to 61.00 and change this bank is a ripoff no wonder there so many complaints its pathetic that 60 cent spun off into 60.00 after july I have removed my account I dont need the aggravation or headache and also the debit card has no chip in it im on a fixed income and cannot afford the lost I takes one time and im done with a business so im finished with fnb thanks for nothing I would not have purposely over draw my account especially for such a small amount think about it it would have been for something not 60 cents you lost a customer for such a small amount lol and fnb is suppose to be professionals lolDesired Settlement: want my money put back

Business

Response:

Please accept this letter in response to the complaint you filed with the Revdex.com on June30, 2016, regarding the overdraft fees (OD Fees) charged to your account at First National Bank ofPennsylvania (“FNB”).On June 7, 2016, you opened a Freestyle Checking account online, with an initial deposit of $50.00.On June 21, 2016 your ending balance in your checking account ending in 1037 was $24.50. On June22, 2016, your account was debited $25.10 for the [redacted] Check Order, this left your accountwith a negative balance of $.60. This caused the $37.00 OD Fee that was assessed to your account onJune 23, 2016. Your account remained overdrawn and was assessed two continuous OD Fees ($12.00each) on June 24, 2016 and June 29, 2016. On June 30, 2016, after a discussion with you, it wasdetermined that a Mystyle Checking account would better fit your banking needs. With this account,the first order of Colonial Classic Checks are free. Since your account was already opened and checkshad been order, as a courtesy, we refunded the $25.10 fee for your check order and the OD Fees causedby it on June 30, 2016.If you have any additional questions, please reach out to the Branch Manager at Arsenal Rd [redacted]

[redacted]Sincerely,Kristen M[redacted]VP/Market Manager

Consumer

Response:

[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.]

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.

Review: I transferred 116.00 into [redacted] account from [redacted] and there was a banking glitch in their system, which was brought to their attention prior to the issue, and it overdrew my account. I brought evidence proving their mess up and requested they fix it. They accused the fault of being mine and refused to fix it. I closed out my one account after I was told by several others that the same thing happened to them. I can't close the other until the balance is fixed.Desired Settlement: I want the account fixed by them so I can close it out because I refuse to pay for an issue I tried everything in my power to fix and they refuse to close it without the balance paid.

Business

Response:

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]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. However, upon reading the response to my issue they are still trying to place blame in my shoulders and ignore that their system is glitched and messing up others' accounts also. While I am closing my accounts so this never occurs again I want awareness brought forth of acts that effect others that are frowned upon and "shady" even by their own tellers in the bank offices. People work hard for their money and it shouldnt be stolen from them.

Review: My husband and I applied for a Home Construction Mortgage at your branch in Clarks Summit, PA. From the beginning our loan officer was unorganized and uninformed. With most questions, she had to check with her boss or another employee. The whole process of our mortgage has been horrible, stressful, awful, miscommunicated, and unorganized. Before we even applied for the mortgage we told the loan officer that we wanted/needed the closing costs covered in the loan. She had told us that we needed to wait for our appraisal to see if we could do it without getting mortgage insurance. The appraiser that the bank hired must've been told the wrong information because they had the wrong county and wrong township that we were in. It took over 2 weeks for them to come out. Once we got the appraisal back, I was waiting for the loan amount to be adjusted to cover the closing costs. I was told by our loan officer that she can change those numbers "later on"... We were supposed to have everything submitted by 5-6-15 to keep our closing date of 5-25-15. We had already passed the 5-6-15 mark because we didn't have answers, and now we needed to get everything in before 5-18 to keep our closing date of 5-15. Now our loan was on hold because we needed proof of flood insurance policy & payment. In order to get the flood insurance, we needed a quote for the total amount of the loan (with closing costs added in) I had spoken to the loan processor and was told that my loan officer would handle that. My loan officer said that the underwriter was not getting back to her and that the loan processor was unaware that she needed to change the amounts of the loan (Which I have in email from an earlier date of me telling the loan processor that I needed closing costs added in). Finally that is all settled on May 19. The loan processor and the loan officer said that we were going to try to close on Friday, may 22. Come Thursday, I had still not heard anything. Then the loan officer said she was trying to close Wed, May 27. I have a full time job as a sonographer. I need to request off from work so that patients will not get scheduled. I told [redacted], the loan officer, that I needed a definite date because I needed to give notice and request off from work. She just kept telling me "nothing firm yet, but I am shooting for Wed." On Friday afternoon, it came up that the bank needed a copy of the gas lease, so I couldn't get that until I got home, so the bank didn't receive until Tuesday. So Tuesday 5-26, I took wed 5-27 off, and rescheduled the patients that were already on my schedule. I emailed and called her wed morning to check in and she said, " I hope your prayers are answered. You know it will get done ..just a matter of today. LOL I will check on this morning. I am in early." I took this as meaning it was still looking good to close today. In the afternoon I started getting these emails from [redacted] asking about our one contractor and if we really needed him to do some of the things that he has on his estimate. When my husband called her, she said the numbers weren't adding up right and she thinks she might've done some math wrong... (SHE IS SAYING THIS ON THE DAY WE ARE SUPPOSED TO BE CLOSING!) I was feeling very aggravated since I had taken the day off from work and my husband did minimal work on our dairy farm to try and keep his availability open, so now both of our time was wasted. I emailed [redacted] and told her that we need a DEFINITE closing date because I c[redacted]ot afford to lose days of work her response, "I understand. I am waiting for a response back now. SO much of this is out of my control. I will stay on top of it for you. " The next day I looked over the estimate sheets (because they CONSTANTLY kept changing and found some concerns) and emailed both the loan processor and the our loan officer. Here is my exact email; " Hi [redacted] and [redacted],

A few questions/concerns that I have after looking at the most recent documents....

1. On pg 2 it says the escrow amount is $472.25 (How is this amount figured?)

2. On pg 3 it says that home owners insurance escrow is $ 85.66

property tax is escrowed $525

Flood insurance is escrowed $ 508.84

* Homeowners should NOT be escrowed at all because that is going to be added to the farm policy.

*Where is the $508.84 coming from for the flood insurance? Im a little concerned with adding this to escrow also because we have paid in FULL for 1 year already.... AND once construction is complete the total might change and the insurance company said they would refund us the difference. Will the bank be refunding us a difference?

3. I believe the total amount of the loan is still Incorrect. The total of all estimates = $184,963 + closing costs & fees ($8509.15) { I took out the costs that should not be on there, ie, the appraisal fee, credit report fee, estimated homeowners, survey fee, and owners title insurance} this number also does not include the escrow amounts listed above {since the numbers on them did not make sense to me}

Which the total cost of that puts us at $193,472.15 (which is already higher than what the total amount of our loan is at now)

Which this number should still be ok, since $193,472.15 + $60,000 (land total) = $253,472.15 ( & 20% of that is only $50,694.43) Please correct me if I am figuring this out incorrectly.

We only have 1 week from today until the June 4 (The day our loan was extended to) & we STILL DO NOT have a definite closing date.

As you can see, I am getting very frustrated, confused, and annoyed that nothing seems to be lining up and that things seem to keep popping up. I can't imagine that this process is like this at every bank. I would think (and have spoken to other homeowners on how their mortgage process went) that most banks have a set closing date and sometimes even bump the closing date up to a sooner date. We are one week away from our deadline and have nothing set in stone! I have already taken one day off of work to try and close ( Because I have patients and need to give enough notice to block off my schedule) If I miss more days, will the bank start refunding me the money that I would have gotten paid for being at work instead? Im sorry if I am coming off harsh, I am just extremely [redacted]oyed and disappointed that this process does not seem to be going well at all. "

Here is the response I received: "I did want to get back to you as to why we are currently delayed. One of your builders is not a "licensed contractor". I called him yesterday to get his HIC number and he told me he did not have one. This should not be a problem because he was supposed to be registering yesterday. I will followup with him this morning.

As far as the detailed questions on the closing costs, it will all make more sense when we get an actual settlement sheet to look at. The only other issue is the homeowners insurance. I thought I emailed you yesterday to tell you that although I submitted without an insurance escrow, it is a requirement that we do so. If the flood insurance is dropped down the road, we can also drop this insurance as well. I am happy to call your insurance agent to get this all straightened out. Talk to you later when I know more about your file."

So again, the numbers weren't totally figured out, she just pushed it off until we get a "final settlement sheet". June 1st, they got the contractors HIC number and [redacted] said we are cleared and approved for closing. We set up a closing date and time with the attorneys office for Wed, June 3 @ 10 AM. I received an email on June 1 with the settlement notice with the date and time of June 3 @ 10 am. I took a half day off from work, as we were told it should only take about 1 hour. My husband held off on doing some of the chores at the barn so that he could be available to go. He and I drove the 1/2 hour to the attorneys office. When we got there, the lady came out and said, "I am so so sorry, but I never received the closing packet from the bank! " She said she had been trying for the last hour to reach [redacted] ( No answer) and other contacts at the bank. She finally got ahold of someone at the bank and they told her that [redacted] and I weren't on their list to close today. When the attorney argued and said, yes they are and they are supposed to be here at 10am! The person from the bank said "Oh, yeah, they are on my list. I don't have that done. Im not going to have that done by 10am. But maybe later today"... So I ended up having to call my work and tell them what was going on and asked them to reschedule my patients for the afternoon because our extension was only until June 4. So my husband and I drove the 1/2 hour home and waited to hear from the attorney. In the car I had checked my email and saw that the attorney and our loan officer were emailing back and forth about not having the closing packet. Here is an email from the loan officer " I just emailed my boss. Let me make a phone call . This is so silly! Best word I can use in an email LOL "

I emailed her back and said "I absolutely do not find this funny. I'd like to get reimbursed for my gas to go out there (1/2 hour drive) and the 2 days now that I have taken off of work to close and the bank didn't have their [redacted] together ($29/hr for 10 he's each day = $580 that I have lost now thanks to the bank)"

I called the attorney at 2pm to ask if she had heard anything. She said she was going back and forth with [redacted] about the settlement sheet because there were things on there that shouldn't be on there , like the survey fee (because we didn't need to use this service) and for the attorney to collect the $3000 some payment for the flood insurance (which we already paid and our insurance agent had sent receipt to the loan processor and to our loan officer). So finally she got the numbers worked out. I finally got a response from [redacted] saying "[redacted], I am sorry I just got this email. For whatever reason it was blocked and I had to request it be released. I thought maybe there was a virus attached and that is why they did not send to me. I saw a final HUD go thru now and It is the amount we talked about for you to bring roughly $2500. I couldn't do anything about the gas or lost work. I am sorry. I wanted to come to the closing, but I have been out of the office all day and have to run out again.

I know Attorney will take good care of you. Again I am sorry for the mixup. [redacted]"

After seeing this email I became infuriated and was to the point that I was shaking. Because, as I had mentioned from the beginning, we needed the closing costs to be covered in the total of the loan. My response to her, "Whoa whoa whoa! We NEVER talked about us bringing $2500 to closing!!!! ALL closing costs were to be covered in the amount of the loan!!!!! "

Her response to me "I see another email from you was just blocked. There must be some word or content that is making them not come to me directly, "

I called the attorney and voiced my complaints and frustrations with this number, and the attorney said that she didn't know where [redacted] was getting $2500 from? [redacted] said that the HUD she was looking at said $246. But maybe she was missing a paper? She said she was going to call the bank and get back to me.

[redacted] emailed me back with this "just left you a message.... it is $246.78. I called [redacted] to ask and she said she looked at the number with out her glasses"

Without her glasses on?!! And she told me a number which is more than $2000 from the actual number!! (Which again, all closing costs were supposed to be covered)

With this whole process and the loan officer that we have had to deal with, I am not even happy about closing, instead I am nervous on having to deal with and trust this woman to give the correct disbursements when the time comes and to handle everything in a timely manner. As soon as we save up enough money for closing costs, I am sure that we will be refinancing to go to another bank.Desired Settlement: First, I would like an apology for the stress and anxiety that my husband and I have had to deal with while going through your bank process of trying to get our mortgage.

Second, I would like the be reimbursed for the 2 days I had to take off from work and reschedule patients' appointments last minute. Or I would like a rate adjustment to be lower than our current rate of 3.75 APR

Third, I do not want our home owners insurance escrowed in because it is part of the farm policy, it is not a separate policy, and when the bank sees the total of the policy they will probably try to raise our escrow to cover the total amount which is way more than what our home owners is estimated to be at.

Fourth, I want assurance that the disbursement process and inspections will go smoothly, and I would like a contact person to help with this in case we run into problems.

Business

Response:

The following letter will be sent to Ms. [redacted] today.DearMs. [redacted]:Thank you for taking the time to notify us of your unsatisfactory experience with your Mortgage Construction Loan. Please accept our sincerest apology for any trouble this may have caused you. We value your feedback.Weare taking every action to make sure that your problem is addressed and that we are able to provide you with an acceptable solution. As communicated in ourphone conversation of June 10, 2015 we will remove the Home Owners Insurance from your monthly escrow payment. Your next billing statement will reflect the reduction to your escrow payment.[redacted], one of our Construction Loan Specialists, will be handling the disbursements throughout the construction phase of your new home. She can be reached at ###-###-####. [redacted] will be more than happy to assist you during this time. Your concerns and dissatisfactions with regards to the service levels have been addressed with the loan officer you worked with and senior management. Again, please accept this letter as a formal apology and if you have any additional comments or questions, please contact me at ###-###-####.

Review: The bank charged me for an inaccurate appraisal, resulting in me leaving the bank to refinance my loan elsewhere. I originally financed a loan with First National in 2013. At that time, my properties were not fully rented and multiple improvements still had to be made. Once the units were rented and improvements were made, the bank sent a 2nd appraisal company out who said the properties were worth $5,000 less than what they were when they were initially financed. Due to the inaccurate appraisal, I had no choice but to go to another bank who validated the properties were worth significantly more than the first appraisal obtained by FNB Bank. First National did nothing to dispute the erroneous appraisal on behalf of me (the customer).Desired Settlement: I feel I am entitled to not only a refund of the false appraisal (approximately $400), but also the $2,400 prepayment penalty they charged me for refinancing with another bank. The way I look at is I would have never had to refinance if not for the false appraisal. I plead my case when the second appraisal was completed and the bank did nothing to resolve the matter.

Business

Response:

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.

Consumer

Response:

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.

Review: I had a checking account with First National Bank of PA that was dormant for ~ two years and on 8/1/14 unbeknownst to me FNB closed my account and stole the ~$50 that had been in the account stating it was taken for dormancy fees. I went to the bank on 12/30/14 trying to collect it and the assistant manager said I was too late that the account was closed and they kept the money saying it was kept due to fees? I was not aware of ANY fees for this account because they never paid me a penny in interest on my money but rather kept it for them selves. I am a disabled Veteran and they stole money from me as I have stated without any written notice what so ever. If this was a dormant account then why weren't the funds turned over to the PA State Treasury as most banks are required by law to do? No - FNB are theives that operate in the night that can legally steel from disabled people calling it fees?Desired Settlement: I want my $50 sent to me in the form of a check!

Business

Response:

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.

Review: Bank charged 6 overdraft fees of $37.00 each for 5 transactions placed over the weekend and 1 transaction on Monday evening. Since bank policy is to clear the largest transaction first, it caused the 5 weekend transactions to also be overdrafts. I do not understand why the transactions are not cleared by the date and time of purchase. Had they either cleared this way or taken from lowest to highest, I would have only received 1 fee. I have no problem paying for the 1 fee. But at the time of purchases for the other 5, I had adequate funds available. Bank states that they give a grace period for the weekend transactions because they are not open on the weekends. Why not give a 1 day grace period for weekday after hour purchases?Desired Settlement: Refund of the 5 overdraft fees. I will accept the 1 overdraft fee for the transaction that caused the overdraft.

Business

Response:

This letter is in response to the above referenced Revdex.com complaint which you recently submitted regarding overdraft with your First National Bank of PA (FNB) deposit account. The policy at FNB regarding payment order is to post payments high to low which can be found in the disclosures you received at account opening. The transactions you made were accurately posted, as were the overdrafts. Of the five overdrafts you requested, FNB gave you a courtesy refund on two of those charges on October 2,2013. Because this was a non bank error, FNB declines to refund the additional three overdraft charges you have requested. If you have any questions, you can contact your local branch at [redacted], [redacted] Branch Manager II

Sincerely, ???

Corporate Compliance Department