First National Bank of PA

Review: I recently broke my wrist and had to get help with mowing and other work. I hired a guy who did work here over two or three days time. A week later my bank called and said a business acct that I had open was overdrawn. This acct was only open to pay a monthly payment for some leased equipment we had for our a business sold last year in May. The bank had several checks from the business account that were cashed with weird signatures and names totalling about $1200. The had me sign affidavit for each swearing the checks were unauthorised. They told me I am not responsible for this fraud. Some were cashed at check cashing places, some at banks. Yesterday I got a call telling me that I have to deposit $ into the acct. They told me I AM responsible for stolen checks because it it a business acct and the checks were not secured under lock and key, therefore, no liability. At this point, I still have no idea where he got these checks. I have no idea how / when it happened. Is this fair? The branch manager told me he has never seen a decision like this and is shocked. Please advise. Thank you.Desired Settlement: The bank should go after the check cashing places that did these transactions. They accepted checks with signature that do not match the signature card I have on file. This is the banks responsibility,not mine.

Business

Response:

To Whom It May Concern:

Please be advised that my office made several attempts to contact [redacted] by phone with regard to

her business checking account when the account balance fell negative. I eventually reached her by

email on 07/01/14. Once [redacted] notified me that the checks were unauthorized, we did refuse payment

on 3 checks totaling $1,716.08 which were currently in process. We also restricted the account so that

no additional items would be paid. There were 3 checks totaling $1,211.80 which had already been

paid. I advised [redacted] to file a police report and sign affidavits of unauthorized activity.

[redacted] went to our Duncan Manor Branch as a matter of convenience. Each affidavit signed by [redacted]

[redacted] on 07/01/2014 states that "Business accounts may not automatically receive a provisional credit.

All affidavits filed on business accounts are subject to review and an investigation." A letter was sent to

[redacted] on 07/11/2014 explaining that we would not credit her account. [redacted] had not properly

secured the business checkbook.

I called [redacted] to follow up on 07/22/2014. After my conversation with her, I requested that we take a

second look at her case. Since then, [redacted] has been in direct contact with our Manager of Financial

Crimes Investigation. Although no resolution has been reached as of 08/06/2014, we are in

communication with [redacted] and First National Bank is actively working to reach an agreement with

[redacted].

First National Bank

Squirrel Hill Office

Review: Was a previous [redacted] customer & got switched over to First National. On 11/30 I went to my "home" branch to close all of my accounts. I was met in the parking lot by an employee & told their system was down & I needed to go to another branch. I went to the branch with whom I have the complaint & met with Mr. Jose Morales. I was told I could not close the business account until the pending transactions cleared. I was given incorrect info. about what transactions were pending but was told after these cleared I could come back to the bank & close the account. On 12/5 I wrote a letter to the branch manager Erika again requesting the business account be closed & any overdraft fees reversed because the bank continued to process transactions after I requested the account be closed. I received a message that Erika called me re: my letter. I called her back on 12/23 & got her voice mail. In spite of leaving a message she never returned my call. For the next month I received overdraft notices every week with more & more charges added. I then started receiving letters stating that I was going to be sent to collections & reported to Chexsystems which would prevent me from opening up a bank account in the future. I went into my "home" branch 1/20/16 with all my letters & met with a branch manager. I was told it was out of their hands because I had already been sent to collections & they did not understand why the other branch had not notified them of my request. I left the branch only to receive a letter in the mail the next day that I could go to the branch & rectify this. I called customer service 1/22 & spoke to 3 different employees. Samantha in overdraft told me she would call me back that day to get this resolved. A week later she never called. I then asked my office manager Marie to spend another hour on the phone with them since I was in surgery on 1/29 & she was forwarded to Kristi C[redacted] with whom I never met. Now up to $681 in overdraft fees for an account I closed & my credit affectedDesired Settlement: Remove the overdraft fees which resulted after I closed the account. Receive in writing notification that I was NOT reported to Chexsystems & am able to open a bank account in the future since I cannot run my practice without a business bank account. Receive a written apology from the branch that refused to close my account. They are now being dishonest/ claiming I never sent a letter AND that I asked for the account to stay open til I paid my business mortgage EXACT OPPOSITE OF WHAT I SAID

Business

Response:

Please accept this letter in response to the Complaint filed with the Revdex.com on January29th 2016, regarding the request to close your business account and the related charges that wereassessed to your checking account with First National Bank of Pennsylvania (“FNB”). This letter willaddress the issue cited in your complaint and an explanationfor the response provided.Issue — Request to close account and fees assessedAfter reviewing the details of the various interactions, and the correspondence that you have had withFNB Colleagues in person, by phone , and by mail I am outlining the findings below.The initial request made to close your business checking account occurred in the Wyomissing Branchlocation on November 30, 2015 and was denied by a bank colleague due to several presentments(payments) that had been authorized by you were pending at the time. It was explained at the time ofthe request to close the account that once the presentments cleared, the account could be closed withyour authorization in person or via the phone. The next communication with [redacted] was by letter datedDecember 5, 2015 and received December 9, 2015 requesting that the account be closed. Upon thereceipt of the letter, the account showed a negative balance as the presentments (electronic payments)were honored by FNB with insufficient funds in the account to cover them. Multiple attempts to reachyou by phone were unsuccessfifl at your place of business, and messages were left with officepersonnel, as well as on your personal voice mail that identified you as such in an effort to resolve therequest to close the account and bring the account to a zero balance. The account showed a balance of$-681.91. The next interaction with an FNB colleague occurred when you frequented the BerkshireMall office of FNB on January 20, 2016 to discuss the status of your checking account. You had beennotified by letter that the account had been charged off. The account balance was $-681.91 which wascomprised of items paid on your behalf by FNB as well as insufficient funds fees that had beenassessed. You left the branch agreeing to pay the hems paid on your behalf but did not agree to pay thefees to clear the collection item. A subsequent call was made to FNB call center with yourdissatisfaction. On January 29th, 2016 the Branch Manager from the Berkshire mall contacted yourplace of business and spoke with your office manager which you had given approval to discuss yourbanking matters. Your office manager agreed to provide a cashiers check in the amount of S459.91 tocover the items that had been paid on your behalf by FNB, and the fees would be covered once thecheck was received and the collection item would be resolved. To date the check has not beenreceived at an FNB branch location as agreed upon to clear the amount outstanding.If you have any additional questions regarding resolution of the matter, please feel free to contact meat ###-###-####.SincerelyCharles B[redacted]Market Manager

Review: I received written notice from FNB and [redacted] that FNB was going to take over my checking account. In the notice, it states explicitly that any billing I have with [redacted] would no longer function because the account and routing numbers would change. My accounts switched over while on vacation out of the country and I was going to make manual payments for the first month with my new [redacted] account because I have no desire to switch banks. I returned to find that not only did the billings continue to come out of my FNB account, but I was getting overdraft fees due to this. Being a reasonable and non-confrontation person, I paid the few fees and zeroed out the account so I could close it and have no further issues. While trying to close out my account, further billings and fees came out.

I started contacting FNB customer service over a month ago via phone because I work through their business hours and they do not have a branch close to where I work, so I cannot go during lunch. After many calls and weeks in which customer service said an account manager will contact me, I called my local branch manager hoping to have someone with more desire to assist someone in their community.

My desire was to explain how I have paperwork from both banks stating that this situation would not occur and I would have to setup new billings if I wanted money to come out of FNB since I would no longer have my [redacted] account and the accounts would not match. The branch manager would not listen to anything I had to say, rather she felt the need to angrily yell at me on the phone about how she refuses to listen to me or come to a mutual agreement. My favorite part is when she decided to make personal attacks and state that it is about time I take some personal responsibility for myself and actions, only then will she talk to me about closing the account because this means I would have a zero balance and she could process the closing.

The best part is according to FNB, since this process has been taking me so long, I'm literally a day away from the charges going to collections. I have had ZERO assistance through FNB, please help!!!!Desired Settlement: All I would like is some friendly assistance in clearing these unjust charges and closing the account so this horrible experience can be over. Thank you.

Business

Response:

The attached response was mailed to Mr. Lasota today, 11/10/15.

Review: The bank has a negative collection balance fee that they are assessing me with and there is no reason for the charge. I have been to the bank and understand why they collect it but in my case it is not warranted at all.They are taking my money for no good reason , in fact they are stealing it , which means they are taking it with out my permission.Please ask them to stop.Thank youDesired Settlement: 37.07This amount is the fee they charge me for over drawing my account and THE 7 CENTS IS THE AMOUNT THAT THEY TOOK .

Business

Response:

This letter is in response to the complaint you recently filed with the Revdex.com regarding

a negative collected balance fee of .07 and an overdraft fee of $37.00 you received on your account

here at First National Bank (FNB).

A negative collected balance fee is charged when a business deposits checks and float is automatically

placed on the checks according to the routing number. This float can last up to 3 days and it means

FNB has not received the funds from the bank the check was drawn on, therefore the funds are

considered “uncollected”. If you use the funds on your account while the float is still in effect, the

account will reflect a negative balance on collected funds. The account will then incur a negative

collected balance fee at a rate of Prime +5% (currently 8.25%) based on the amount of the overdrawn

balance for the number of days it is overdrawn.

After research on your account, it was determined you had an Average Negative Collected Balance of

-$109.67 for 3 days which caused the .07 fee to be charged. This was calculated in the following way -

109.67 x 8.25% = $9.05/365 days x 3 days - .07.

The overdraft fee was charged when you used a debit card to make a purchase at Kwik Fill on

September 15 in the amount of $12.00 but the funds in your account were $8.66 causing an overdrawn

balance of -$3.34. Therefore the $37.00 overdraft fee was charged.

If you have further questions, please contact me at ###-###-####.

Review: I made a bank deposit on Saturday February 15, 2014 and it was not credited to my account until Wednesday February 19, 2014. I am aware that Monday February 17, 2014(President's Day) was a holiday and I am now being charged $185 in NSF fees. I feel that this is unfair business practices. I contacted the bank manager [redacted] and he was very rude and insulting and did absolutely nothing to try to resolve the matter. It is unfair and unacceptable that when you make a bank deposit, it is not credited for 5 days.Desired Settlement: I want the bank to reverse the NSF charges of $185.00 on my account. And, Mr. [redacted] could use some customer service skills training.

Business

Response:

Although there was no error on part of the Bank, FNB refunded the customer $185 on 2/19/2014 as a one time courtesy. FNB considers the matter resolved.

Review: I have an account with this bank. My daughter also had an account. She closed her account 2 months ago. Since then , they say several checks has come back. She has not written any checks and there is no way that this has happened. They have this closed account overdrawn. They say they have tried contacting her several times, which is a lie. Today they decide to take the large lump sum out of my account to cover hers. My account is no way attached to her closed account. Just because they know that she is my daughter, does that give them the right to take my money? Without even notifying me ? I know that I won't get anywhere with this but I just want to let everyone know that never in my life have I had a bank do things like this bank has done to us both over the last year. Please stay away from first national bank of pa !!!! They think they can do what they want with your money and you can't do anything about it. They are very rude, condescending, took my money, and threatened to have me removed when I demanded it be given back. It had nothing to do with my account. But they made me pay !Desired Settlement: I want the overdraft amount given back to me in check form. Due to the fact that I will not have an account at this bank by the time this would get resolved.

Business

Response:

After reviewing your account, First National Bank of PA found that there was an error made and will be refunding all fees to your checking account.

FNB considers this matter resolved.

Review: I had contacted the Brownsville, PA branch of this bank to place a stop payment on a check for services that were not rendered. The employee took my information over the phone and said she could mail me the paper that needed my signature. I told her I would be in the next morning to cash a check so I could just sign it then and save everyone time. The next morning I was in the drive thru line because the walk in was not open and the employees could not find the paper I needed to sign. After over ten minutes in the drive thru line with numerous cars behind me they finally found it and sent it over for me to sign. I did not look over the form thoroughly because of the already long wait and signed the form. The next week I noticed the bank had cashed the 563.00 check made out to this specific person I named on the form with the specific dollar amount as well. When I called to question why it had been cashed the same employee that took my initial information informed me it was because the wrong check number was recorded on the form. When I told this employee it was her error she just stated she would see if she could retrieve the money. A bank manager called me back and in a very nasty tone told me it didn't matter if it was an employee mistake that I had ultimately signed the form the following day and that they are not responsible. I was appalled that this bank manager did not even apologize for what was their mistake. I then was told that another check I made out after with the incorrect check number was returned for stop payment. It was a 20.00 check that I made out to get my car inspection sticker. Now I had to also deal with that. I was then given another bank manager to contact when I said I was not satisfied with the customer service I was given and felt they were responsible for the 563.00 loss I suffered. I was referred to a [redacted]. I left a message for him to please call me back regarding an important matter and I did not hear back from him for seven days. he was rude.Desired Settlement: I feel that this bank should take responsibility for this bank employees mistake instead of blaming a customer. I would like my 563.00 dollars refunded. When I mentioned this to [redacted] he stated that would not happen because they would have to do it with everyone. I reminded him I did not make the mistake. He also said I could not use his name in reference to this conversation and I thought that was rather odd coming from a manager of a bank. What was he trying to hide?

Business

Response:

[redacted] called the Brownsville Office and requests a stop payment. She gave [redacted] the wrong

check number. The check number [redacted] gave was check number 430. So [redacted] put the stop

payment on and [redacted] did come the next day and signed the form with check number 430 on

it. The check came in and [redacted] realized once it cleared her account that the wrong check

number was stop pay. The check number was 429. She called the Brownsville branch and

[redacted] did say if we got the wrong check number let’s see if we can return that one instead.

Unfortunately it was too late per deposit opts. So [redacted] the Branch Manager called [redacted]

back and said it was too late and that even thought we were given the wrong check number that

we would refund the stop payment fee. [redacted] was not happy with that answer and called

another branch, which is Rostraver and spoke to Mary Antal, who then sent me email to call

[redacted] back! I spoke to [redacted] on 5/29/2014. She agreed with me on everything above but felt

since it was the right dollar amount we should of flag her account and looked for it so it would

not clear. I told her that we could not do that and I apologies to her and ask her to go back to

where she written the check to try to recover the money. [redacted] said it was her Vet for her dog

and that she had services done and didn’t want to pay cause what they did on her dog did not

work. Then she continue to say we made the mistake for letting it go thru and we should go get

the money back from the Vet. I told her we cannot get in the middle of her agree with her Vet

and we cannot refund her the $563.00. So then [redacted] was not happy with that answer and

asks if she could use my name for internet blogging and I did said no. Then she said that’s fine

she want to make sure she knew my name was going to be on the internet blogs. This is the

conversation we had and our staff was not rude or unprofessional to [redacted] at all or made a

mistake on the stop payment. [redacted] in my opinion did not want to pay her vet and wants us to

pay it for her and FNB be out of the money. She is upset that we won’t do that for her.

Thanks

[redacted] A [redacted]

VP Market Manager

First National Bank of PA

Consumer

Response:

I do not accept this business's response. I never made a mistake in giving the correct check number. [redacted] also states that I agreed it was my mistake when I spoke to him which I know and he knows is incorrect. My basis for my complaint besides how I was treated was the fact that it was a bank empoloyee error and that they should be held liable. I am honestly appalled at the level of unprofessionalism at this institution. When a bank manager such as Mr. [redacted] submits knowingly false information, I believe it shows not only unprofessionalism but also a level of dishonesty. This is definitely not a financial institution I would recommend anyone doing business with.

Regards,

Business

Response:

Review: [redacted] recently sold my branch to FNB. Prior to the transfer of my accounts, I closed my accounts with [redacted] so that they would not be transferred to FNB. Unfortunately, my accounts were transferred. With [redacted], I had an ongoing transfer between my checking and savings accounts, but with no money, FNB made transfers and charged me a fee for NSF. All of this is I understand and would need to take up with [redacted], however, when I first got a notice from FNB about my account having a negative balance of $7.xx, I called them that same day. They told me that they would stop the charges and have a manager call me back within 48 hours. I never heard anything, but received a notice about 2 weeks later saying that my account was $60.xx in the negative. Again I called and was told they could not close my account, but they would stop the charges going forward until the issue was resolved. They also said a manager would call me to discuss what to do. Last week, I received another notice and I made a 3rd call. They told me my account was not over $100 overdrawn. I explained again that the account should never have been transferred and that charges should have stopped when I called the first time when the overdraft was only $7. They said they would have a manager call me. Again, to date, no phone call and I'm sure that the charges keep going up.Desired Settlement: I am in the process of going back to [redacted] for confirmation of the date the account was closed. I just want my accounts with FNB to be closed with a zero balance and no cash out of my pocket or impact to my credit report. Continuing to add fees when they know the account should be closed is simply a greedy way to collect additional monies and is part of the reason I chose not to transfer my accounts to them.

Business

Response:

We have received a copy o f your communication from the Revdex.com regarding the status o f your accountsending in 1381 and 5580. After reviewing your accounts, we have found the following:On 08/24/2015, you filed disputes on 16 items from [redacted] with dates ranging from 07/19/2015 through08/23/2015. Because you had prior relationships with this merchant you chose which items to dispute and which items werelegitimate. Temporary provisional credit totaling $604.00 was provided on 08/31/2015 for all o f the disputed items. TheBank is still conducting its investigation which is due to expire in 90 days (11/17/2015) from your initial notification. Asecond checking account was opened for you at your request on 10/14/2015 as a courtesy so you would have access to fundsthat were being deposited.On 11/02/2015, the initial disputed account had been overdrawn for 49 days. Regardless o f situation, the Bank’s policy is to“charge off ’ an account that has been continuously overdrawn for 49 days. At the time o f the charge off, the bank reservesthe right to “use the money from any other account in which you hold an interest to pay the debt” . This is found in theDeposit Account Agreement. When the original, disputed account was charged off, funds were collected from the newaccount that was opened to off-set the amount owed to the bank. The charge off was not sent to Collections and will not besent until the disputes that were filed are resolved.The case will be resolved on 11/17/2015, at which time the action taken will depend on the outcome of the disputes. If thedisputes are valid, the temporary provisional credit will become permanent and any fees assessed as a result o f the disputeditems will be refunded. If the disputes are not found to be valid, the temporary provisional credit will be reversed and theamount owed to the bank will be sent to Collections.

Business

Response:

Hello, this is my fault. I have been traveling and honestly didn't realize I needed to input a comment, but the issue has been resolved. How do I open up to put that comment in? The manager was nice enough to reach out to me personally so don't want anyone to think this issue is outstanding. Thank you [redacted]

Review: Two weeks ago I did a stop payment at a local branch. The lady at the bank told me that it would last for 6 months. She was a bit confused because something about the process had just changed. I was doing a single stop payment since I was closing my account it wouldn't matter however I didn't get the account closed in time (because I'm waiting for them to settle my last issue) and they sent the payment through which overdrafted my account once again multiple times costing me $147 dollars in overdraft fees. Had she told me that would only last for one payment I would not be mad but she said that's strange it's going to last for 6 months instead of one time. I told her no problem I would call if I needed it reversed. When I called and asked them about it they wanted me to come in and sign a paper stating that it wasn't their fault, which by the way I am not going to sign becuase I'm not dumb. Not only that they said they could get the money back if I came in and signed another stop payment which would cost me another $37 and would overdraft my account again! How dumb do they think people are? All I want now is to close the account and get away from their lack of customer skills. In the last month they have charged me $368 in overdraft fees and I would like all of that money back. I am tired of their games and their greed. This situation is causing me to struggle financially and miss important payments which will no doubt have late fees of their own.Desired Settlement: I want my overdraft fees returned so I can close the account and get away from this horrible bank.

Business

Response:

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

you recently submitted regarding Mrs. [redacted]’s stop payment dispute with First National

Bank of PA (FNB) deposit account.

This dispute is being handled via our dispute resolution process. Ms. [redacted] has been

notified and will be directed to sign an affidavit so we can further our investigation into

her dispute.

Review: Metro bank has now merged into First National bank. During that time access to online banking and mobile app were down. I contacted the bank and spent thirty minutes on hold just for them to tell me they could not view my account until Tuesday 2/16/16. I use these sources to determine the amount of money I have. I was charged 111.00 in over draft fees. During the transition and I was able to access my app, I watched my account balance change like 10 times. I contacted the 1800 number three times and was basically told to contact the branch. I contacted the branch and spoke with a very nice gentleman. He explained that have had many calls regarding balances issues and he has to get it approved my a manager. But they have been doing it. He called me back and the manager named Sue had him tell me that it was my responsibility to know how much money I have in my account. Yes I do agree with that however, it is the banks responsibility to provide access to those sites to be able to view our balances. I am very upset on how I was treated as a customer to the bank. When I told them I was considering closing my account they did not care. I live paycheck to paycheck and this is ridiculous. If this was my fault I will own up to it, however provide me with the tools I need to succeed. Not set me up for failure.Desired Settlement: I would like the $111.00 refunded to my account. Simple as that.

Business

Response:

This letter is in response to the complaint received by First National Bank of Pennsylvania(FNB) on March 15, 2016, from the Revdex.com on your behalf. This letter serves asour response to this matter.After a review of your account, on February 18, 2016 the $111 in overdraft fees (OD Fees) werecharged to your account due to the following transactions: $19.99, $3.25, and $3. As a one-timecourtesy we refunded one OD Fee for $37 to your account on February 23, 2016.As previously communicated, during the conversion customers were not able to access theiraccounts online, mobile banking, or through telephone banking from Friday, February 12, 2016,through noon on February 14, 2016. However, FNB determined that during the weekend ofFriday, February 12, 2016, through Monday, February 15, 2016, Metro Bank customers hadbranch access excluding Sunday, February 14, 2016.If you have any questions please contact me directly at ###-###-####.Sincerely,Kristen M[redacted]Vice PresidentMarket Manager

Review: On March 28th 2015 I started working with [redacted], the mortgage originator for FNB. I signed paper work for my new home andeexpected to close April 30. In that month I found her to be very unorganized. She would throw things she needed on me last second and failed to give me or even inform me of proper paper work that was necessary. Due to this the closing was pushed back until May 29. The property I was trying to obtain was a unique property (something that was known by her and the bank since March 29). When the appraisal came back showing it was unique the underwriter pushed back my closing. One full week after my second closing date I was denied the loan. I should have been told the possibility of this before I bought the appraisal. At this time I decided to use another bank. June 7 I went to my new financial institution and they contacted Lorraine to receive the appraisal I am entitled to since I paid for it. My new closing is scheduled for July 10. All paper work is in and ready to go... Oh except for the appraisal that first national and or Lorraine are dragging their feet on. I spent all day calling the bank and have not been contacted back by anyone higher than her either. My closing will again be pushed back and I may lose the property all together at this point. Both the sellers and buyers real estate agents, my new bank, and I have all tried to get my appraisal for almost a month now. All while I'm living with my things spread out across the city waiting for my home. Absolutely obsurd!!!Desired Settlement: I want my appraisal as soon as possible. If I don't receive it in time to close my homw I want my $500 I paid for thr appraisal.

Business

Response:

Thank you for taking the time to notify us of your unsatisfactory experience with your MortgageApplication process. Again, we apologize for any inconvenience this may have caused. Thisletter confirms resolution of the issue and the steps taken as part o f the process.After reviewing the file, it appears that there was a delay between your written request for yourappraisal to be transferred to your new lender and our completion of that transfer. This delaywas caused by a miscommunication in regard to your new lender’s FHA ID. Without the correctID for this lender, we were unable to complete your request.We have sent you the last version o f your appraisal for your new lender to use and havecompleted the necessary transfers with FHA.We value your business and thank you for bringing your experience to our attention. We alwaysappreciate your feedback. If you need further assistance, you may contact me at ###-###-####.Thank you,[redacted]Regional Sales Manager

Review: Metro bank recently switched to First National bank. At my local location they recently installed an ATM at drive thru that I was unaware of. I deposited $60 cash in the lobby ATM on Saturday Feb 20. As of Feb 22 I received an overdraft fee because the cash deposit from Saturday wasn't "received" yet although it showed online. I emailed and called customer service to see if there was any help as the money was received same day and Metro would not have given an overdraft if money was in account by end of business day. When I spoke to customer service the Rep told me they had to send it to my home bank and I would receive a callback in 3 business days. I ended up calling today, 3/14/16, bc I had not received any comunication only to find out I was denied my request. I feel this is horrible customer service especially during a time of transition and changing of policies. I have been a loyal customer of Metro Bank since 2008 and have had a few courtesy overdraft fee reversals. Metro Bank also would have never given me an overdraft fee bc the money was in the account. I want my $37 back as I feel First National is taking advantage of a horrible merger on innocent people.Desired Settlement: Return of my $37

Business

Response:

This letter is in response to the complaint received by First National Bank of Pennsylvania(FNB) on March 14,2016, from the Revdex.com on your behalf. This letter serves asour response to this matter.On Saturday, February 20,2016, a $60 cash deposit was made to your checking account endingin 3633 via an ATM, those funds were not considered received until Monday, February 22,2016and not available until Tuesday, February 23, 2016. FNB’s Funds Availability Process wasdisclosed to you in the Deposit Account Agreement, this process was further explained duringour March 15, 2016, phone conversation. As a courtesy, $37 was refunded to your checkingaccount on March 16, 2016.If you have any questions please contact me directly at ###-###-####.

Review: On 3/13/16 my wife and I went into the First National Bank of Pa branch at [redacted] to close our Savings and Checking account. We sat down with Greg from customer service and started the process. We wrote a check from our credit union to bring to account current due to an overdraft. Greg advised that the check would clear on the following Monday (3/14/16) and the account would be closed on Tuesday (3/15/16). on 04/20/16 we received a letter advising that a recurring charge on 4/15/16 from another company overdrew the account and we were assessed a overdraft charge. On 04/21/16 I called the branch and spoke with Greg, he advised that "there was an error and the computer force the account back open". I advised Greg that the error was never reported to me and I would not be responsible for the banks error. He advised me that if I did not pay the $10.59 charge for the service that caused the overdraft, that it would be sent to collections. Greg was less the professional and not willing to admit that the cause of the error was his fault for not processing the closing of the account properly from the start. He put me on hold and stated that he talked to the branch manager (name not given) and the manager stated it would be sent to collections if not paid. I asked to have the manager call me and as of the complaint I have not received a call back. On 04/21/16 I call the customer service center and asked for a supervisor to contact me, as of this complaint I have not received a call back either. On 04/23/16 I received a letter in the mail advising me that I was assessed a $12.00 charge for having a negative balance on my account.

I cannot understand how a bank can reopen a closed account without the authorization of the account holder who closed the account. Furthermore, when the issue was brought to light Greg did nothing to close the account and rectify the banks error. If the account had been properly closed there would have never been a recurring charge posted to it a month after it was supposed to be closed.Desired Settlement: This issue is the banks error for improperly closing the account and not notifying us that it was "forced open" without my authorization. Due to this fact the bank should close the account the reverse the charge and fees. They should also insure in writing that my account is closed and I do not owe anything going forward.

Business

Response:

It was a pleasure speaking with you today. Please accept this letter in response to the complaint you filedwith the Revdex.com on April 23, 2016, regarding the overdraft fees assessed to your accountwith First National Bank of Pennsylvania (“FNB”). This letter will address the issues cited in yourcomplaint and an explanation for the response provided.FNB determined that after your deposit on March 19, 2016, you came in to close your checkingaccount ending in [redacted] but due to a coding error that did not occur. This enabled a debit from [redacted]for $10.59 to post to your account on April 15, 2016, which caused a $37 overdraft fee (OD Fee) andthree days later a $12 continuous OD Fee was also charged. On April 22, 2016, the $37 OD Fee and$12 continuous OD Fee was refunded which left your account overdrawn $10.59. On April 22, 2016and April 27, 2016 a $12 continuous OD Fee was assessed. Due to the bank error, we have creditedyou the $10.59 [redacted] fee as well as the two continuous OD Fees ($24). The account has been closedand you should have no further issues.We hope this response to your complaint meets your satisfaction. While this communication is intendedto present the facts of the situation, we would also like to express our appreciation for your business andhope that you will provide us the opportunity to continue serving you.Sincerely,Susan *. D[redacted]Vice PresidentMarket ManagerFirst National Bank

Review: bank had combined with another. new bank didn't take paper agreement I had with last bank with them. Charging me overdraft fees that would not be there if they had. now they are charging me $12 every 3 days in overdrafts I shouldn't have. bill is over $140 so far an climbing. people who are not working can't afford that. And they won't shut account down to stop charges. they are trying to bankrupt me.Desired Settlement: to follow agreement I signed. not to charge me

Business

Response:

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

Review: I began A loan application on September 23 for a home mortgage. To this date FNB took money from me for A home appraisal and a credit check. On September 23 I told load originator my previous work history. I have not been denied a mortgage I have not made it thru underwriting...Ms S[redacted]. will not return phone calls or return emails I have over 180 emails back and forth...I have a 70 year old lady waiting for me to get a loan...I am ok with FNB denying me a loan...What I am not ok with the reason they are denying me the loan Was Know to FNB on September 23 2015 FNB took my $ and more importantly my time and Engery....Desired Settlement: Deny me the loan or give me the loan...If you deny tell me a the reason and Tell me that you are sorry for wasting 6 weeks of my time...

Review: Fnb has a practice of processing debits that were already pre-authorized and deducted from the account after new overnight charges thus overdrafting account and then 10 minutes later processing the deposit to collect over draft fees. this is stealing and fraud in my book. I have addressed them on multiple occasions about this week and they have done nothing to resolve the problem or refund my over draft fees. if you add up the deposit amounts to withdrawls there is actually to be over 200.00 more in my account. now I am 222.00 short for the week with more coming out and scrambling to find the funds to cover my expenses and bill for this week.Desired Settlement: I would like the 222.00 refunded to my account. I would like FNB to go on the record as a deceptive bank for their polices and practices.

Business

Response:

The first overdraft occurred on 05/19/2014. The customer was charged for three non-sufficient funds

fees totaling $111.00 dollars. The customer's balance on 5/19/2014 was $105.42. Four items were

presented in the amounts of $100.93, $46.64, $3.02, and $0.64 resulting in a negative balance o f

$45.81. The bank paid items on a high to low basis given that higher dollar amounts typically have

greater priority. This process o f paying items high to low is outlined in the deposit account agreement

presented at account opening.

On 5/20/2014, the customer made two deposits. One a $300 cash deposit and a $50.00 ATM deposit.

The $300.00 deposit was made immediately available to pay items. The $50.00 ATM deposit had next

day availability according to the banks funds availability policy which is both posted at the ATM site

and is part o f the screen message that comes up alerting the customer before proceeding with the

transaction.

Due to the delayed availability o f the $50.00 ATM deposit and two pre-authorized debits that were

initiated by the customer for $1.06 and $2.00, these items decreased the customer's available balance

for paying items posting to his account resulting in an additional $111 in non-sufficient funds fees. The

bank is required per Regulation E to commit funds to cover these pre-authorizations.

The bank's customer service department made every effort to address the customer's issue via e-mail,

however, they could not effectively authenticate the customer's pertinent information via e-mail, and

hence they could not resolve the issue via e-mail. Customer had indicated that he could not accept or

make calls from work during his working hours and bank business hours further complicating resolving

the issue by phone.

The bank's position is that this account situation was not due to bank error, however, the bank has

chosen to refund $148.00 to this customer as a one time courtesy. The bank believes that this monetary

relief is more than fair in this situation due to the fact that the bank was acting in full accordance with

its funds availability policy and Federal Regulation E which governs the specific handling o f electronic

items going into and out of a customer's account.

Respectfully Submitted,

Review: I had overdrawn my account by $37 and some odd cents Easter Weekend 2014. I had 2 transactions going thru, car payment and car insurance. 1 was recurring auto insurance pay, the other was a debit card transaction. There was enough to cover the highest amount, and should of only been charged 37 for the second transaction. When I checked my account online, I was charged 74 for both, then they cleared on the 22nd of April 2014, and then was charged another 74 on the 23rd for the same 2 transactions. I was told they changed their system as of April 1, 2014, and they will now add up all transactions, and if you do not have enough in your account, you will be charged for each transaction, and they also took the first 74 nsf out before they put my transactions through. They told me, since the transactions were still "in process", I was charged the second 74 nsf for both items. Bottom line is, I was charged $148 for 2 transactions, when I should of only been charged 37 for 1. they also told me, Thursday, that since I had 2 other "in process" charges that showed in their system, ( I get paid every Thursday and had 2 items going thru that I used my debit card after midnight to get gas for work), that is where the 2nd 74 nsf came from,but the nsf 74 was charged and cleared on 23rd, I used my debit card after midnight Wednesday night, which is when I get paid on Thursday. If they didn't take out their fee first, I would of had enough in there to cover the highest one first. The local bank manager told me, she can't tell me why they hold "in process" for so long, and she doesn't like the new system for what it has been doing to the customers. If I used my debit card Wednesday night/thursday morning, how can they say they charged me the 2nd 74 nsf, when it was cleared that Wednesday??Desired Settlement: Refund of the NSF Fees I was wrongfully charged for.

Business

Response:

On 4/24/2014, Ms. [redacted] came into the New Kingsington Branch and M. [redacted] explain to Ms. [redacted] the Bank's overdraft policy and process. Using Ms. [redacted] transaction history, M. [redacted] showed why the nonsufficient fund fees were charge to her account. Due to this not being a Bank error a refund is not warranted. At this time, the Bank considers this matter closed.

Compliant Specialist II

Review: To Whom It May Concern: I was wrongly charged two NSF fees totaling $74.00 and an additional fee of $12.00. I called the local office on Main St. in Uniontown, PA on 11/10/15 to get help with my checking account. A lady answered the phone and stated “First National Bank… (And then silence)” I asked for help and she said “Everyone is in a meeting, call back in 15 minutes.” She was curt and didn’t say “Hello” Or “How Are You”. She didn’t apologize for the inconvenience of having to call back. I called back in 20 minutes and got the same exact response again. Frustrated, I called the office on Matthew Dr. in Uniontown, PA. The lady answered the phone and said, “We have customers here, call the 800 number.” But I’m a customer; a customer calling my local office for help on my checking account. After those three phone calls, I certainly didn’t feel valued as a FNB customer. I called the 800 number and how customer service explained the charges, still left me confused; and when I asked for a courtesy credit, she advised they can send to Cherry Tree office for review, the same office that left me feeling like I wasn’t valued as a customer. When I logged into my checking (which, by the way is every single day!) I saw on 11/5/15 credit balance of $516.56, and a check for $437.51 posted on 11/5/15 which gave me a credit balance of $954.07. Two checks came through on 11/6/15 for $656.61 and $278.00. This left me a credit balance of $19.46. The credits posted on 11/5/16 and debits posted on 11/6/15. On 11/9/15 a NSF fee of $74.00 appears and I’m negative $54.54. That doesn’t compute. So, if I was overdrawn I should have been able to see that and then make the necessary corrections, i.e. deposit money within the 24-hour-widow to correct the mistake to avoid the NSF fees. But it didn’t appear that way. They posted credits first then debits the next day. It reflected on my checking account that I had enough money and everything was okay. Then FNB decides to PEND two NSF fees. How can you PEND out two NSF fees when I had a credit balance??? This is confusing and WRONG! If I’m overdrawn I want to see that I’m overdrawn. Don’t post items anyway you want. Post them as they come through. This is ridiculous. I live pay check to pay check and this money ($86.00) is my grocery money. Now I have nothing to eat and this bank is allowed to continue to be rude to me on the phone and take my money. Thanks FNB. Thank you for making me feel valued as a customer.Desired Settlement: I would like to see the $86.00 placed back in my checking account. I am very upset about this and I am seriously considering another bank. I would like to see this resolved quickly, otherwise I am going to contact the Attorney General Office to see what the next steps would be.,

Business

Response:

First National Bank o f PA (FNB) have received a copy o f your communication from theRevdex.com regarding the status o f your account number ending in [redacted].Upon reviewing your account, we have found the following:FNB has found there was an error processing your mobile deposit on November 6, 2015,for $437.51 to your account. This delay in funds caused your account to go negative and$86 ($37, $37, and $12) in Overdraft Fees (OD Fees) were charged. FNB would like toapologies for any inconvenience this may have caused. As a result, on November 13,2015, we refunded $86 in OD Fees to your account.We hope this response to your complaint meets your satisfaction. While thiscommunication is intended to present the facts o f the situation, we would also like toexpress our appreciation for your business and our hope that you will consider giving usthe opportunity to serve you again in the future. If you have any additional questions,please feel free to contact me at ###-###-####.Sincerely,Rick C[redacted]Market Manager

Review: This is our bank, they have charged us overdraft fees that are not justified, current amt of our checking acct is negative $470 and I'm sure by tomorrow it will be even higher. I realized my error with my husband and my account over the weekend and deposited $300 via ATM on 8/23/15, the Grove City location gave me an envelope for the funds where as the other sites actually take the cash and credit it immediately. Not realizing that this would not credit immediately I proceeded with the cash deposit, due to my work schedule I could not go to the branch on Monday. Monday afternoon our acct balance was around negative $120, I called customer service and they advised me that the ATM deposit was not readily available, however all of our pending transactions were pending to post on 8/24/15 along with the credit from Sunday. I was not concerned because everything was pended to post the same day and the account was not overdrawn over the weekend prior to the deposit. At 11:30 pm 8/24/15 everything posted and the balance was $30. The next morning our balance was negative $410 and there was a pending debit of $444, we called customer service, a mgr needs to call us back but they can take up to 10 days. How can our overdraft fees be $444 and our balance negative $410, because there was $30 in our account when they decided we had overdrawn, doesn't even make sense. I called again because two more transactions went thru for $20.00 and $8.99 which is not actually overdrawn but ofcourse we are being charged another two overdraft fees. Current balance is overdrawn $500 by the time tomorrow comes, again customer service tried to explain the process, debits come out automatic, yeah, I know and even at that over the wknd still not overdrawn, $300 credit listed as POSTED on 8/24/15, AVAILABLE BALANCE end of 8/24/15 was $30. No one has called us back and this amount of money is more than a weeks worth of work for me. Customer service sites transaction policy but it still doesn't add up, just wrong.Desired Settlement: I'm not perfect when it comes to balancing my checking account but this is not right and it's not the first time this has happened so I want the overdraft fees withdrawn since the credit posted the same day. Very frustrated that no one has even bothered to call us back, instead they just keep racking up the overdraft fees, if the managers are so busy that they can't call back for up to 10 days it really makes you wonder how many other people are getting the same treatment.

Business

Response:

This letter is in response to the Revdex.com complaint which you recentlysubmitted regarding overdraft charges you received on your account at First NationalBank of PA (FNB).Although our First National Bank Customer Service Department stated policy regarding aresolution could take up to 10 days, we strive to return customer phone calls within 48hours. Your complaint was received by the Grove City Branch Manager, Sandy R[redacted],on August 25. She then left two messages on August 26 and August 27 for you to returnher call. When you returned the call on August 28 and after discussing the circumstanceswith her, we felt there was a misunderstanding regarding the fact that not all ATMmachines provide immediate availability for cash deposited and this was the first timeyou had used the ATM machine at the Grove City location. Therefore, we agreed to aone-time courtesy refund of $407 which was processed to your account on the same day.Customer service is a top priority to us at First National Bank and we want to do our bestto assist you. We appreciate the opportunity to serve your banking needs. If you havefurther questions, please contact me at ###-###-####.Sincerely,Tamara W[redacted]Vice President/Market Manager III"

Review: I have banked with this company for about four years. The bank is not active over the weekend. Everything that is done over the weekend is shown in the account as acting on the following Monday. The transactions are not taken out by date or by time of transaction, but rather, by the highest amount, so that if you do overdraw, like I did, you pay and pay more and more overdraft fees. Over Memorial Day weekend, 2013, there were seven transactions made through my account and there was money there. However, I made the mistake of going to a casino, and spent the rest of the money in my account. There was a pending payment, and knowing that would bounce, I was going to put money in my account on Tuesday to make it positive. Imagine my surprise when I looked at my account on Tuesday morning, and see that I am overdrawn over $700, and $400 of that was in bank charges!!In the past, I have talked to [redacted], who has been helpful to me. However, this time, as I explained that I did these transactions on Friday, or Sat morning (the seven of them) and therefore should not be charged for these. It is not fair. How could I used my debit card, in any way, if there was no money in my account, and that is the way it looks as of Tuesday morning??? This is not fair. [redacted] then told me he has done enough to help me; and there will be no more. Yes, he has, but this is WRONG!!!I am very angry over this.But the cherry on top was an email I received from another bank employee, answering Mr [redacted]. She instead sent it to me, commenting on my situation, answering an email that he obviously sent to her about my account. She has no idea of my life, and I do not appreciate this. Very unprofessional. Very, very unprofessional. I plan on, as soon as I can, close this account.I do have my mortgage through this bank, and will continue to do so. But customer service? It died a long time ago.Desired Settlement: I would like my money back on the seven transactions that I did on Friday night and Saturday morning. These did not bounce and I should not be charged.