First National Bank of PA

Review: I made a CASH deposit at a First National Bank ATM on 10/7/13. The ATM has a specific slot where you insert cash. It then scans the cash to determine the denomination. So, the ATM had my cash inside, it printed a receipt that the cash was deposited into my account, but after making a purchase later that evening, my account was overdrafted the next day because First National Bank claims that the deposit was still pending. After several communications with their customer service, I was informed that they (the bank) had no way of knowing whether I deposited cash or a check, and they had to wait for the check to clear. The problem with this is that as I stated, the ATM clearly acknowledged that I deposited cash. Seeing as the cash was in the banks possession on 10/7, there is no justification for the bank not to refund the overdraft fee, as I did NOT overdraft the account. The bank had my cash in their possession and is charging me a fee on top of it. That, in my mind, is stealing. I have been a FNB customer since 1998 and have overdraft my account once or twice in all of these years. This is absolutely no way to treat customers and no way to run a company. Its despicable, if not criminal.Desired Settlement: I would like the $37 overdraft fee refunded to my account.

Business

Response:

This letter is in response to the above referenced Revdex.com complaint which you recently submitted regarding an overdraft with your First National Bank of PA (FNB) deposit account. As a gesture of goodwill, FNB will issue you a one-time courtesy refund totaling $37, which is the overdraft fee you incurred. In the future, please be aware that only cash deposits made on a business day prior to 7:30pm ET at an FNB ATM will be available next day. If you make a cash deposit on a business day after 7:30pm ET at an FNB ATM, the deposit will not be made available until the second business day. Example: If you make a cash deposit on Monday prior to 7:30pm ET, those funds will be made available to you on Tuesday. If you make cash deposit on Monday after 7:30pm ET, those funds will be made available to you on Wednesday. If you have any further questions or concerns, you can contact the New Kensington branch at ###-###-####.

Review: My complaint is with the banking practices of First National Bank. Some of the practices are undesirable, but I believe legal, and some likely are not legal (or should not be). Without going into too much detail that would require documentation the most recent issue I have is as follows:The bank has a practice of charges being deducted from highest to lowest (horrible customer service but legal. I was charged for pending charges that are not being paid on until the 15th and had an automatic deposit on the 14th.I am not sure that charging for pending pre-auth transactions is allowed, if it is it is CERTAINLY not disclosed in their policies. However, assuming this practice is ok I was basically charged twice. If all charges were scheduled for the the 13th, including the pre-auth I would have been overdrawn roughly $3.00. (A $37.00 fee). The way they calculated it I was charged 5 fees (A total of $185). They charge, then "backdate" charges from the 13th. The overdraft charges should be at the end of the business day if they are going to "backdate" charges that come through the next day. Furthermore, when I called to discuss this with [redacted] from the Chesterland office she kept trying to give me an explanation that made no sense. I got a bit rude (because her explanation didn't follow basic addition and subtraction principals and that is frustrating when she is suppose to know banking) but never used any vulgar or threatening language. SHE HUNG UP ON ME. I called the 800 customer service number explained the situation and was transferred back to [redacted] at the Chesterland office where she then said her explanation was wrong. I politely explained that I did not care to work with someone who hung up on me. I then called the 800 customer service again and I am still waiting for a return call from [redacted]. He was pleasant to work with although I have not heard back from him.Desired Settlement: I am not certain how this matter should be resolved. I know that this Bank has had class action suits against them before due to their banking practices. I am not certain if what they do is illegal or unethical, but it certainly is poor customer service. I am unfortunately likely not the only person affected by this and I imagine many customers are like me - as individuals we do not have the resources to necessary to "deal with" the "BIG BANKS" This is not the first issue I've had with FNB.

Business

Response:

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

Consumer

Response:

Hello,

Review: A deposit to my checking account was made on 7/31/15 through atm, which was believed to be made available on the next business day (8/3/15) as explained by previous customer reps when inquiring over previous overdraft problems. I was also misled to believe that Saturday, since the bank of my deposit was open for business, was considered a business day but unfortunately I guess it is not. Great to know now...I received a call on 8/4/15 claiming I had a returned payment and was assessed a 37.00 fee, despite having visual records from online statements clearly showing the deposit clearing my bank account on 8/3/15, the same day of which a payment was processed AFTER the deposit was listed as available in my account. Still I was assessed a fee, and furthermore I was assessed a second fee for return of payment by the credit card That I was attempting to pay. I followed all directions as explained by previous service reps, but in the end I am out 62 dollars. After calling a customer service rep from the conemaugh office she admittedly and candidly explained to me that she personally would never make an atm deposit because of the unknown variability of when these deposits may actually clear even though I was previously explained that they would clear one business day after deposit by 7:30am. She then explained that it could take up to two days based on certain time technicalities, which was never explained before or has recently and very underhandedly been adopted into company practice. (I'm still unsure of what exactly the policy is. I was explained 7:30pm by this customer rep as being the POTENTIAL to take two business days to clear as a cut-off and on the website it states noon??). How can anyone be sure that their deposits will be made available when the representatives don't even seem to know the exact rules and policies?) I was told that a manager would get back to me and did not hear from anyone until it was already too late to avoid additional fees by my credit card company. I feel that I've been unjustly taken advantage of by misleading tactics and incorrectly explained procedures. I notice that I am not the only one who has been affected by such underhanded tactics.Desired Settlement: I would like to have the 37.00 dollars credited back to my account and also a 25.00 dollar settlement to provide my credit card company with the fee that they have also assessed me. I would also like the bank to make better attempts to outline and explain the process of ATM DEPOSITS and the availability of funds so that no other patrons will fall victim to such ridiculous hidden rules and obligations when making an ATM deposit.

Business

Response:

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: On December 29, 2014 charges came through in the amount of $8.93 and $3.97. It was from iTunes and due to a billing error. iTunes has refunded this amount that left me negative. After being in the negative for not even a whole 24 hours, three charges came through for $1.93 each. I received THREE $37 fees for these. This was the SAME NIGHT my husband's direct deposit came through. Although the bank's records show the fee a ridiculous two hours before the direct deposit, my view online AND in the app shows the fees AFTER the deposit. My account would have NEVER been overdrawn had iTunes not taken from my card (which they have processed a refund for). I called the customer service number AND visited the bank on 12/30/14. The manager said she would submit a request. She called me today, 12/31 and said they couldn't do anything. I have 9 month old twins and a 5 year old. Not only can I not pay my car insurance now (which will now be cancelled on 1/3/15) I can't buy groceries or formula. This is a TERRIBLE business practice. I understand policies and procedures, but that direct deposit of $505 more than covered a measly overdrawn account of -$8.38. I had plans to open a Money Market and a few savings accounts from a large portion of my grandfather's estate. I am HIGHLY reconsidering after this mess of a business practice.Desired Settlement: I would like the $111 in fees refunded immediately. I could completely understand if there were days in between the fees and the direct deposit, but it was a matter of literally 2-3 hours! All I see is greed.

Business

Response:

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.

Consumer

Response:

According to the “manager,” Tammie, they refunded multiple

fees in October. This was not so, my card was wrongly charged and a dispute was

filed for a charge on 10/30/14. That was the ONLY time the bank has helped me

on anything. I have looked at EVERY bank statement since opening my account. I received only TWO prior overdraft fees since opening my account in June of 2014 and NOT ONE was refunded. The statement from the branch is completely false. I wasn’t offered an alternative for overdrafts until AFTER this

situation happened, so why are you stating that it happened before and it could

have been avoided had I heeded your advice? Any bank representative can see my statements

and see that I have never had a fee refunded, EVER. There has not been a “goodwill

gesture.” The only thing I have received from this bank is slow service and a condescending attitude.You state that your “CORE Values” are to “earn trust by

maintaining the highest ethical standards in all of our actions.” This branch

has NOT abided by this value. How is it ethical to tell me that you have, on “multiple

occasions” refunded fees? I would freely let any representative or individual

that even considers banking with First National to look at my statements. This

is absolutely unacceptable, and something WILL be done.

Review: On Tuesday, December 10, 2013 my husband went into the bank to make a cash withdrawal in the Verona branch. He confirmed with the teller that we had $86 available. He withdrew $80 and at the same time deposited a check for $275. When I looked at the online banking before he went into the bank to make those transactions (I told him to confirm we had $86) there were no pending items at all. When I logged into our online account on Wednesday, December 11, 2013 we had $67.73 available. They bounced the $80 withdrawal and charged us $37.00 non sufficient funds. The puzzling thing to me is they put through the account a check for $140 BEFORE the $80 withdrawal and before the $275 deposit charging us an additional $37.00 for non sufficient funds. We had a total of $74 in fees withdrawn from our account. I took a screen shot with my iPhone of this and sent a message to my husband to go into the branch to find out what is going on. He did at 3:00 this afternoon and was told that there was nothing they could do.At 11:00 pm on Wednesday, December 11, 2013 (8 hours later) I looked on our online banking account again and now our account is showing negative -$12.37 and now showing a "Miscellaneous Debit" of $80.00...I have no idea what this is as the $80.00 is already out of our account and which we were already charged $37 NSF fee for even though it was available. I again took another screen shot of our online account with my iPhone so I have the proof if necessary.Desired Settlement: I want the $74 non sufficient fees to be refunded to our account and also the $80 "miscellaneous debit" to be taken off of our account as that represents no banking activity as a result of us. We should have a balance of $141 and change in our account (before my paycheck is deposited on Friday, December 13, 2013.

Business

Response:

This letter is in response to the above referenced Revdex.com complaint which you recently submitted regarding an overdraft with your First National Bank o f PA (FNB) deposit account. FNB’s funds availability policy states that non-FNB checks (transit checks) deposited on a business day prior to 7:30pm ET will be made available the next business day. In your case, your husband deposited a transit check on December 10, 2013, making the funds of that check available on December 11, 2013. Your account had two withdrawals come out on December 10, 2013, one totaling $140.00 and the other $80.00. Both of these debits caused overdrafts which are $37 per occurrence ($74 total). This was not a bank error and therefore, FNB declines to refund your $74.00 worth o f NSF fees. For future reference, here is an example of how our funds availability policy works. Example: If you make a deposit on Saturday (non business day) those funds will be made available to you on Tuesday. If you make a deposit prior to 7:30pm ET on Monday the funds will be made available to you Tuesday. If you make cash deposit on Monday after 7:30pm ET, those funds will be made available to you on Wednesday. Finally, regarding the miscellaneous debit, the branch made the correction on 12/12/13. If you have any further questions or concerns please contact your local branch at

Consumer

Response:

In the 3 snapshots of our account that I sent to you on December 12, 2013, the deposit in question was shown as deposited AND cleared/available on December 10th BEFORE the other 2 transactions went through on December 10th. It was not "greyed out" as that would indicate that deposit was pending, rather it was put through the account before the other 2 transactions. In fact according to the snapshots our account was not showing as being negative until they charged us $74 for "bouncing" the transactions that they cleared after the deposit. Why in the snapshots does it not show me negative at all until after they take out the $74? If their claim is those two transactions came before the deposit was available why does the online banking NOT reflect that.

They did refund the miscellaneous debit of $80 but I still believe I am due the $74 refund as our account does not show us being negative December 10th.

Review: I made a check deposit at an ATM on a Saturday. I did not use my debit card until the following day. I'm aware that Sunday is not a business day, and I'm also aware that when I made that deposit, that my account was already in the negative. Since I had made the deposit FIRST, did not debit anything until AFTER, it seems logical that when everything went thru on Monday, that my deposit would post, THEN the debits. That was not the case. Today, which is Tuesday, I check my balance online, only to discover $185 in overdrafts. Two of those, I will accept responsibility for, since they were made before my deposit. The other three overdrafts were made after the deposit. I immediately called the 800 number to discuss this. The woman I spoke with told me that a non-fnb check will take one business day to clear. Which would've been Monday, like I figured anyways. After telling her that the debits were made after the deposit, she then said that my debits went thru first because my deposit will not be available to me until tomorrow, which is Wednesday. 3 business days? She first told me ONE business day! She then got a little too loud for my liking and proceeded to say that I was overdrawn over $400 already when my husbands paycheck was deposited the day prior to all of this happening. That had absolutely nothing to do with why I was calling and felt very belittled with her statement. I was very angry at this point, but never raised my voice or used any foul language, but I did ask to speak to someone else and she refused, saying there was no one else able to help. $111 they took from me one month before christmas, when I tried to make my account positive again after having a very rough month. I couldn't tell you how many overdrafts I had accrued over the last month, which was my own fault, and never complained. I tried to make it right, as it was a large deposit, only to have this happen in the end. I'm disgusted with the way I was treated over the phone and that my debits posted before my deposit.Desired Settlement: I would like the $111 refunded for the three overdraft charges

Business

Response:

This letter is in response to the above referenced Revdex.com complaint which you recently submitted regarding an overdraft with your First National Bank of PA (FNB) deposit account. As a gesture of goodwill, FNB will issue you a refund totaling $74, which covers two of the three overdraft fees you incurred. FNB explained the funds availability policy to you in May; we gave you a courtesy refund then as well. Going forward, overdraft fee refunds are only available if there is a bank error. In the future, please be aware that ATM deposits made on the weekend will be received on Monday and available Tuesday, Deposits made on business days prior to 7:30pm ET at an FNB ATM will be available next day. If you make a deposit on a business day after 7:30pm ET at an FNB ATM, the deposit will not be made available until the second business day. Example: If you make an ATM deposit on Saturday (non business day) those funds will be made available to you on Tuesday. If you make a deposit prior to 7:30pm ET on Monday the funds will be made available to you Tuesday. If you make cash deposit on Monday after 7:30pm ET, those funds will be made available to you on Wednesday. If you have any further questions or concerns please contact me at ###-###-####.

Sincerely,

[redacted] VP & Branch Manager [redacted]

Review: I had a fraudulent charge on my account. I made a deposit at the branch to cover payroll. I was not informed that my account was overdrawn. The next day I made another deposit and was informed by the teller on Mcknight Road that my account was overdrawn. I immediately went to the office checked my statement and called the customer service line to let them know that a fraudulent charge was made in the amount of $817. I was informed that a charge of $0.03 from the same fraudulent charge was made a few weeks earlier. I was then informed that I would be mailed paperwork to file the dispute and I would have to take it into a branch. On Monday May 11, I still did not receive the paperwork and went into the North Hills branch to see if I could file the paperwork there. I was informed that this was in que to be refunded and I would receive the paperwork shortly in the mail. I then received a call from the customer service line on Thursday, May 14 that there was nothing that they could do to help me. FNB posts on their website that they are FDIC insured. The teller I saw failed to inform me of a problem with my account. I did not receive email, text or phone call notification of a problem.Desired Settlement: I want the refund to my account. I followed every protocol. I was at the bank on the day of the fraudulent charge and was not informed that there was a problem with my account. FNB posts on their website that they are FDIC insured.

Business

Response:

This letter is a follow-up to your complaint dated May 14’2015 to the Better BusinessBureau. After our conversation on May 29th, the charges were to be reversed and youraccount credited. Today, we have reviewed your account and confirmed that the chargesin the amount of $194.00 were indeed credited on May 29, 2015.We appreciate your business and look forward to serving you in the future with yourbanking needs. As mentioned in my e-mail from May 291', please do not hesitate tocontact me with any questions or concerns.[redacted]Senior Vice PresidentMarket Manager

Review: this is a banking issue , I was transferred over to First National Bank of Pennsylvania, due to a buy out of bank of america, once active , I logged on to the online site to get familiar with the new bank, having checking accts , I noticed an order checks link on the left side of page , lead me to Harland checks, ### the 1st big link I noticed was "your initial check order is free" , the FNB of Pa customer 50 pack of checks is free with your initial order. being 1st time customer , I chose the link at the end before I submitted it , it told me the price was $0.00 . I then ordered , soon after I rec'd the checks I was charged 38.00 , which getting use to the new bank i'm not use to I was already having difficulty, due to the only way I can transfer money from husbands acct into mine & vise versa with out paying was to go to the atm ,which at this point I had already minus,d my acct . which deducted even more , so far they submitted & returned the 38.00 twice , & charged me 74.00 in overdraft fees , in attempt to correct my acct , I spoke to several members of the bank since 10/1/15 with no success of eliminating to price of the checks that said they were free or to return any of the overdraft fees , all I was offered that they would return 1 OD charge of 37.00 .. which I find inadequateDesired Settlement: return of the $38.00 for checks that were suppose to be free , and 74.00 for the over draft charges it caused me

Business

Response:

This issues was resolved on 10/13/15, see details attached.

Review: FNB was a part of a class action suit last year involving practices where they re-sequence debits to take out the larger amounts of whatever balance you may have in your account so that any smaller debit amounts to come after, there's no money left and they can charge you their NSF fee. They awarded plaintiffs money because they lost the suit. THey are STILL practising this ..I was just charged THREE extra NSF fees on my account where, if they would have taken out the smaller debits first, which they came through my account first, when a larger check that came out later in the day, I would have only been charged for the ONE fee on the larger check. This is completely unfair and it's a way for them to make more money from their customers who may not even realize it. And they were taken to court over it and were told not to do this anymore and they are STILL doing it!!! I demand my three NSF fees refunded to me and I will NOT settle for anything less. Thank you .Desired Settlement: I want a refund of the three debits they took out AFTER they took out the larger check.

Business

Response:

This letter is in response to the above referenced Revdex.com complaint which

you recently submitted regarding our payment order and overdraft charges you incurred

on your account here at First National Bank o f Pennsylvania (“FNB” or “the Bank”).

FNB is in compliance with all applicable statutes and regulations as it relates to payment

order of checks and other items.

In July o f this year, FNB refunded you $296.00 worth of overdraft charges as a gesture of

goodwill. FNB declines to refund your current overdraft charges based on the fact that

our payment order is in compliance with all applicable statutes and regulations and you

have already received a refund this year for your overdrafts.

If you have further questions or concerns please contact your local branch.

Sincerely,

Consumer

Response:

I still think these debits were re-sequenced. They took out the larger check $391 first, then took out the smaller debits so they could charge the extra NSF fees. If they would have satisfied the three smaller debits, then I would have only been charged for ONE NSF fee. I have attached the documents that explains the suit on where they were practicing this before and lost the suit. Page 4 of the document tells of the re-sequencing.

Review: I had available to me 1600.00 dollars in my first national bank checking account on saturday the 7th. Also, on that same day I made 720.00 dollars in deposits which I was aware would not be available until tuesday the 10th. On tuesday the 10th I had several transactions post to my account at the exact same time my funds became available. And, as stated above I had enough available funds to pay for the checks that came out that day which I had previously written. FIrst national proceeded to post 11 overdraft chargers to my account on tuesday the 10th. which totaled in 407.00 dollars. I budgeted my money to make sure I had enough funds for all transactions and checks. However due to the fees my account went to 380.00 dollars in the negative. Furthermore due to this I was hit with more overdraft fees on wednesday the 11th because the other bills I had scheduled to come out posted. I approached the customer service hotline and the bank which I opened the account in person. First nationals policy is that fees are not refunded if it is not a bank error. They refunded none of the fees. However, I argue that it is a bank error because the funds were available as can be seen by my transaction history which I reviewed with the bank. The manager told me, "that's just how our system works. you should have known that." I argue that the details of how they handle transactions is not made available to the consumer and what they advertise is false because I was charged over 500.00 in total fees for transactions that I had the money in my account to pay. They charged me more than I make in two weeks in fees which is criminal.Desired Settlement: I would like to have my fees refunded as I had funds available for all transactions.

Business

Response:

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"™

Consumer

Response:

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.

Review: I believe FNB's practice of charging overdraft fees is highly questionable. They do not post everything coming through a checking account. I deposited money into my account on a Monday during current business hours because I knew debits were coming through. It was posted and it showed in my account online that I had plenty of money. The next morning I go to check my account (as I do every day) and it shows I have $296 in overdraft fees on 8 debits coming through because they are saying my deposit was not to be credited until the NEXT business day.!!!My account would have been fine if that wouldn't have happened and if they would have at least told me that my deposit would not be posted until the next business day. I wasnt' told of this practice until after the fact and I had to cough up an extra $300 to put in my account!!! And they aren't budging on reversing the charges. And they are already involved in a lawsuit in which they lost because of their NSF fee practices. If you look at my account from this past week, it doesn't look I was overdrawn at all I think they are fleecing their customers and coming up with all this false explanation.Desired Settlement: I would like a $296 refund and I would like a federal official to look into these practices.

Business

Response:

This letter is in response to the above referenced Revdex.com complaint which you recently submitted regarding overdraft charges you received on your account here at First National Bank of PA (FNB).

FNB’s deposit account agreement states, "If you posit a check drawn on another bank or make a deposit to your account through an ATM or Mobile Banking, we will hold these types of deposits for one business day before they are available to you." FNB did, in fact, hold your deposit but this may not have been made clear at the time of your deposit. As such and as a gesture of goodwill, FNB will refund the $296.00 you incurred in overdraft fees. Please note that any future check drawn on another bank that you deposit will not be available until the next business day.

If you have further questions or concerns please contact your local branch.

Sincerely,

Asst Branch Manager

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.

Regards,

Review: In late August 2015, I filed 16 complaints with my bank, First National Bank of PA, at the Moxham branch regarding fraudulent charges that had been made using my Debit/Credit card in $29 and $49 increments. The total charges of $604 caused my account to become severely overdrawn. At the time of filing the complaints the Assistant Manager, Fred M[redacted], told me that I would still be able to use my account as I normally would because all of the overdraft fees would be returned once the complaints were resolved. He also informed me that the resolution process could take up to 90 days. He explained that I would withdraw cash and pay bills using my checks because it would be easiest to track all the fees that way. I was issued a provisional credit of $604 early in the process. The bank does this as a courtesy when customers have had fraud committed against them.

In early October, Fred informed me that the bank would no longer allow me to use my checking account and; based on discussions between him and the branch manager, Patty, that they thought my best option would be to open another checking account so that I would have full access to my income without having to deal with ongoing overdraft charges throughout the complaint resolution process. I took their advice and opened a second checking account that day. At the time, I asked Fred M[redacted] at least two times whether the second checking account would be used to offset any overdraft fees with the disputed account. He said NO.

When I went to the bank on October 15 to withdraw cash from the new checking account, Fred M[redacted] approached me and told me that a check that he had PERSONALLY cashed for me from the old checking account had been returned and that I had to return the cash from my new checking account. When I asked him how that happened, the teller who was waiting on me took me to Patty's office. Patty told me that Fred has PERSONALLY returned the check for insufficient funds and that he was wrong for doing so. She also explained that since I had received the cash, I was still responsible for repaying it, even though Fred was wrong. I agree that I received the cash and did repay it. HOWEVER, I should not have had to do so when Fred erroneously returned it.

I just learned yesterday, November 3 2015, that both my old checking account and new checking account have been closed by the bank. The new checking account had approximately $183 in it; and the bank applied that money to the overdrafts on the old account. I learned this when I attempted to log in to the online banking website and could not do so. I called the customer service 800 number to find out why I could not log in to my online account and was told by April that the bank has the right to close any account that is overdrawn after 49 days along with any other accounts; and that any other accounts with money in them are subjected to closure as well.

I explained to April that the complaint resolution process is ongoing until November 17 per federal banking regulations and that closing my accounts after 49 days does not make any sense when a complaint process takes up to 90 days. I also explained to April that Fred M[redacted] had specifically told me that the new checking account would not be used to offset any overdraft fees in the old (disputed) checking account. She said she understood, but since the bank has the right to do so, there is nothing she can do.

April told me that either her coordinator or her supervisor would call me back as soon as they were available, but probably no later than early this morning, November 4, 2015. When I did not hear from them by 2:30 p.m., I contacted the customer service number again and was told by Bruce that my local branch is supposed to reach out to me. I called my local branch and was told that neither Fred nor Patty were available and was asked to leave my phone number for a return call. Patty returned my call and is just as concerned as I about how this entire dispute is being handled. She told me that she has made the dispute department aware of all the notes she has included about this situation and the department told her that they are standing by their decisions. She told me that she will reach out to April's supervisor to find out who has a higher level of authority so that these issues can be fairly handled.

Meanwhile, I once again attempted to log in to my online banking account and cannot do so because the bank has blocked my access.

This entire ordeal is being arbitrarily handled in such a way that I am being repeatedly re-victimized. The bank is making decisions about my accounts based on "normal" overdraft situations and then hiding behind federal regulations and banking practices that only benefit themselves. The fraud investigation is not resolved and the bank has - in my opinion - illegally taken my nominal assets to satisfy a situation that has yet to be resolved.Desired Settlement: I want First National Bank to treat my particular situation like the fraud investigation that it is and to honor fair and moral best business practices. I also want the $183 returned to me immediately. Additionally, I want First National Bank to be held accountable in any legal way possible for the illegal steps they've taken against me.

Business

Response:

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.

Review: Having had some unexpected expenses over the weekend and on Monday because I broke my finger, I knew I was likely to be overdrawn. I checked my balance and transferred enough money to cover any overage Monday evening. At the time I transferred the money, none of the charges had gone through. Despite the fact that I had transferred the money to cover any overage, and the fact that the overage was only $26, FNB charged me $259 in "Funds Not Available" and "Insufficient Funds" charges. First, $111 on Tuesday morning, then $148 on Wednesday. The latter resulting primarily from the former.When I called them today, they had to get in contact with their back office to even explain what had happened - it had to do with holds being placed on some funds. Also, they told me that because my transfer was made after 8:00pm, it did not clear until the next day - this being a transfer between two accounts at the same bank. According to my online banking statement - both on Monday and Today, all charges would have cleared if not for their fees.They agreed to refund only a single fee of $37.Desired Settlement: I would like them to refund all fees - $259 total.

Business

Response:

To whom it may concern,

On 05/01/14, the Bank contacted Mr. [redacted] and explained the funds availability process to him. As a courtesy, on 05/02/14, the Bank refunded the requested amount of 259.00 to Mr. [redacted]. This matter is considered resolved.

Review: I have been with the same bank and branch for over 10 years. When it was [redacted] I had absolutely no problems with them. Now I realize I got cancer and did have issues with my account every once in a while overdrawing however I have never had a problem like I am having since it became FNBPA. I have consistently had problems with being overdrawn. I have gotten to where I am now printing my account everyday. I went in this morning to talk to them about another overdraw fee and the nasty bank manager tells me that it's from when I paid my car payment according to her my deposit was made by the atm machine on Friday night. After my payment came out and that the atm machine states on it that it takes 48 hours to process. However I tried to tell her that I made the deposit on Thursday night 6/25 and she got indignant and told me that is not what her screen says. So after I left I went and took a picture of the atm which does not say it takes 48 hours to clear. It does however say that deposits may not be available for immediate withdrawal. I then went and got the receipt for the deposit which does indeed say 6/25/15.

This bank is consistently showing items processed differently on their screen in the bank then the way they give us on the website. I do not show overdrawn anywhere around my car payment. They are purposely moving the way things are being processed so they can charge fees. I am paying between $300 and $400 in overdraft fees every month. They do not work with you. I went in there several months ago because I was $800 overdrawn yes you see that right. over $400 was fees. I had a balance alert set so that if my account when below a certain amount it was SUPPOSE to send me a email letting me know. It waited until I was 800 overdrawn. I asked them why it didn't work, couldn't give me an answer. I asked why if my account is already overdrawn my bank card is STILL working. According to them it's because I didn't opt out. I of course have no clue what they are talking about. I was suppose to go online after the bank changed hands and read the new terms of service that they will just continue to push things through the account so they can keep racking up those fees. So I told them ok I don't want my cards to work if the money isn't in the account. The key here is the CARDS. So today I asked her if they are still going to charge me the $37 fee why are they sending my payments back. I was told that she opted me out of everything. THAT IS NOT WHAT I ASKED FOR. I ASKED THAT MY CARDS NOT WORK. Then she was nice enough to tell me that I shouldn't pay bills if I'm not sure the money will be there. Really, my payments are on autopay so I don't miss them. If I mess it up then I pay the fee, however if they mess with when things come in and when my deposits are credited then I'm not responsible. I noticed going through my online statement that they actually are still putting through card transactions even after my account went negative. So I never know anymore they put through some payment but not others and are still putting through card transactions. Whatever they want to get to that $400 mark I guess.Desired Settlement: I would love my probably several hundreds of dollars back that they fraudulently collected from me but I doubt that they will get off it. So I am going to open an account at another bank and transfer my auto payments then shut down the 4 accounts I have there and go talk to an attorney about a class action lawsuit because I am sure I am not then only one they are doing this to.

Review: An Amount of 253.00 was charged in overdraft fees to my account on 3/31. At 9 pm on 3/30 there was 113.00 in my account. I made a 120.00 deposit plus a 65.00 cash deposit at the S. Greensburg location. At midnight my Direct Deposit goes in it was a little over 600.00. But instead, they held processing my direct deposit and put my auto drafts through first and then essentially stole 253.00 from me. They were sued for this practice a few years back and here they are still doing the same. This is not the first time they have done it since they were found guilty, but this time they was almost half my paycheck and I have other bills to pay.Desired Settlement: I would like the 253.00 returned to my account ASAP.

Business

Response:

Please accept this letter in response to the complaint you filed with the Revdex.com onMarch 31, 2016, regarding overdraft fees charged to your checking account at First National Bank ofPennsylvania ( “FNB”). This letter will address the issue cited in your complaint and an explanation forthe response provided.After reviewing your account, there were no overdraft fees charged on the days in question. However,there is a $253 [redacted] transaction which posted on March 31, 2016. Please refer to the enclosedprint out o f your account, if you have any question don’t hesitate to give me a call at ###-###-####.Sincerely,Richard ** R[redacted]Vice President & Manager

Review: Paid my credit card bill for amount of $24.41. My credit card was paid, but then first national bank reversed payment because of -$12 negative balance. So now my balance is positive again, after that, first national charged me $37 fees because of insufficient funds and now Im in negative balance again, (just to let you know I didn't get any e-mails or letters) then they start charging me $12 overdraft fees two times, until I checked my Capital one credit card and saw late payment fee and interest because of not paid in time. Now I have $61 in fees by First National bank and about $40 in capital one fees.So, what Im trying to say why first national bank taking all this fees if they took money back and my account wasnt actually in negative balance? For example I will agree to pay their fees if they wasn't take money back from capital one, in thes case at least my credit card was paid off, but now Im paying lot of money because of $12.And once again I wasnt notify by bank that my balance is negative, not by mail, not by phone.Now I just called to First National bank representative and she don't even trying to resolve this problem, thats why I decided to fill a claim.Desired Settlement: Because First National bank took money back from capital one I believe that my account wasn't in negative balance and they have no right to take all this fees! Even my bank statement shows that my card paid, then returned and only after insufficient funds fees.

Business

Response:

Although there was no error on the part of First National Bank (FNB and our), FNB refunded the customer $24 (two continuous overdraft fees) on 5/9/2014 due to the borrowers contact information not being updated in our system. FNB considers this matter resolved. On 5/19/2014, the branch manager attempted to contact Ms. [redacted] via phone and email at no avail.

Compliance Specialist II

Review: I have been told repeatedly that this would be resolved. This was the last message I have gotten from them.

3/9/2016 12:43:02 PM

Subject: Support Case [redacted]

From: FNB of PA

Dear [redacted]

Thank you for your patience in this matter. I requested information from our Promotions departments and they were able to provide more details regarding your account. I do see that you signed up on November 6th. However, your first statement was only for a partial month, so the first three months on your account actually began on November 26th. This means that your trial period ended on February 26th and the credits will be applied within 30 days of that date. I see that you qualified for 3 of the 4 offers. You will receive $25 for being registered for eStatements and $50 for making more than 20 debit card purchases. If the credits are not applied automatically by the 26th of this month you may contact me directly and I will have them added manually for you. I can be reached at ###-###-####. I tried calling you and your voicemail box was full. If you are unable to reach me by phone, please leave a message including a number where a message can be left for you.

Please let me know if I have not addressed all of your concerns. If you would like to speak to a Customer Service Representative, we are available at ###-###-#### between the hours of 8AM-9PM Monday through Friday, 8AM-5PM on Saturdays, and 9AM-5PM on Sundays.

Thank you for using First National Bank,

Fred F.

Online Banking Representative

It still has not been resolvedDesired Settlement: Just to honor there incentive bonus.

Business

Response:

Please accept this letter in response to the Complaint that you filed with the Revdex.comon April 9, 2016, regarding overdraft Charges that were assessed to your checking account with FirstNational Bank of Pennsylvania (“FNB”). This letter will address the issue cited in your complaint andan explanation for the response provided.When we spoke on the phone recently we discussed a recurring debit on your checking account thatwas being disputed. This debit caused the checking account to become overdrawn, and subsequentoverdraft charges to be assessed to your account. During our conversation I provided you guidanceon how to formally dispute the transaction in question. Since that time a formal dispute was filedwith FNB. Provisional credit was given for the disputed unauthorized debit, and all of the overdraftcharges that resulted were rebated to your checking account.We hope that this response to your complaint meets your satisfaction. While this communication isintended to present the facts of the situation, we would like to express our appreciation for yourbusiness and hope that you will consider giving us the opportunity to serve you again in the future.If you have any additional questions, feel free to contact me at ###-###-####.

Review: I had a bank account with the bank under previous names and eventually it was bought and taken over by First National Bank. This is when I started having issues with them, but I kept my account open until we moved from PA about three years ago. I tried closing my account in person, but was told that I could not at that time and would have to go back. I explained I was moving, so they told me I could do it when we arrived in our new home, out of state. Well, countless times I asked about closing my account and finally last year it was spelled out for me that I had to do so in person. It was explained to me that in the mean time I should just take my account down to as little as possible. My debit card expired and they told me in order to get a new one, I would need to physically walk into a branch location and get one. I currently live in Kansas, and the branch locations are located in Pennsylvania. So, for the past year and a half my account has had less than $2 in it. I stopped reading my account statements, as nothing ever changes. I don't have access to my account at all, and the card has expired, so there is never any new activity. It just sits dormant. Well, I noticed this week, I've gotten 3 letters from them. So, I opened it up. They charged me a $6.50 maintenance fee, knowing it would overdraw my account, charged an overdraft fee, and are now charging my account $12 every three days. Since calling gets me no where, I contacted them online and was told I had to call to request my account be closed. If they want to keep the $1.80 I really do not care anymore, but I refuse to pay fees on an account that they just started throwing at me for no reason. I demand that they finally close my account. I will not be in Pennsylvania anytime soon, so this must be closed from a distance, and without any additional expense on my end. I have even asked if I could have a local family member close it for me and was told previously that was not an option. I need this closed.Desired Settlement: I want them to assist me and fully cooperate in closing my checking account from a distance. I also want them to remove any fees for maintenance or otherwise, immediately and in full. I want them to mail me a check for $1.80 and consider this matter closed. I would also like an apology for all of the hassle and stress they have caused me regarding this matter. I am willing to discuss this over the phone but want to actually see progress be made this time.

Business

Response:

See Attached File.

July 22, 2013

Ms. [redacted],

This letter is in response to the above referenced Revdex.com complaint which you recently submitted regarding fees and the inability to close your account here at First National Bank of PA (FNB).

We would like to apologize for any inconvenience that this may have caused you. The bank has forwarded you the SI .80 to close your account and all the applicable fees have been waived. Again, we apologize for any inconvenience this may have caused.

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.

Review: This is my second complaint against this bank. I decided to continue to be a customer since the first issue was resolved in a timely and positive manner. Since the beginning of January, I have been charged 3 overdrafts when the funds were already in the account. I realize deposits do not post to the account until the next business day, but having a charge go thru first and then the deposit is just plain wrong. For example, I made a CASH deposit Sunday evening to cover the charge that was to occur the following day. Today, I receive a notification of pending overdraft charge. My online statement even shows the deposit was made the day prior to the charge, even though it isn't technically posted to the account until the next day. So why not post the deposit first thing, and THEN the charge? This is unethical and deceitful. This is the third time this has happened for the exact the same reasons. I am tired of handing over money to this bank in overdraft charges. When I make a mistake, I pay for it without a word. I've done it. There were actually 4 overdrafts total since January, but I am only responsible for one of them. The other three I had attempted to cover the charges before the even posted to my account. This is a very unfair practice and I would appreciate a refund of 3 overdraft charges. I covered it beforehand to avoid them and was penalized anyways.Desired Settlement: I would like the three overdrafts refunded

Business

Response:

We responded directly to the customer. Submitted for your records.

Review: I had an auto loan with First National Bank. I purchased a vehicle on 4/3/2015. In the process I signed a revocation of my automatic monthly ACH withdrawal from my checking account to pay the loan. The automatic withdrawal was scheduled for the 10th of every month. The FNB loan was paid off and I received paperwork from FNB which gave a date for the completion of this transaction of 4/9/2015. I notified my bank but did not put a hold on the payment because there was ample time as well as a signed revocation of the ACH transaction. When I checked my account on 4/18/2015, I saw that the funds had been withdrawn despite the fact that there was no existing loan. I filed a dispute with my bank but before they resolved anything, I received a check for the amount that had been withdrawn from my account. However, on 5/7/2015, I received a call from Debbie [redacted] at FNB, who left a voicemail stating that she was going to "reopen the loan" if I did not return the amount of the payment. I returned her phone call that day, and she was openly belligerent to me from the time she answered the phone, and I returned her belligerence and then was hung up on. On 5/26/2015 I received a letter from Ms. [redacted]. This time the threat of reporting me to the credit bureau was issued from her, unless I returned the amount of the car payment, for a loan that was closed before the payment was due, and which was taken from my account after I revoked my authorization to FNB to withdraw any funds from my account. In the letter she stated that she assumed that my bank had returned my money. If she had done any investigation or contacted me without threatening financial repercussions, she would have been informed that my bank had not returned the funds, and that my bank determined that they had not made an error. When I contacted Ms. [redacted] on 6/3/2015, she was again belligerent, loud, and refused to allow me to explain to her that my bank had not returned any funds. So here it is, two months after this loan was paid off, and I have been threatened twice by this bank, and I am concerned that I will face long term problems with future credit as a result of FNB not conducting their affairs in a professional manner, or doing their due diligence with regards to the loan that I paid on time, every month for over two years.Desired Settlement: 1. The bank will cease contacting me regarding this loan, and the funds that were rightfully returned to me.

2. I receive an assurance in writing that no further threats will be issued by Ms. [redacted] or other representatives of FNB.

3. I receive in writing a resolution which specifically states that anything regarding this transaction will be reported to any credit bureau now or in the future.

Business

Response:

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