ComplaintsforFirst Commonwealth Bank

• Initial Complaint

  06/11/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am filing a formal complaint against First Commonwealth Bank in Pennsylvania, with much emphasis upon Ms. Natalie C*****, a representative acting on behalf of and in the name of First Commonwealth Bank in Pennsylvania. On 04-April-2024, I was looking around on the internet, when I chose to make a purchase online from a place calling themselves "**** *********** *** ** **. After my selection I chose to opt for their "2-Day" delivery. At NO TIME did I ever receive a prompt from this business asking me to verify that all of my shipping and payment information was correct BEFORE submitting. At NO TIME was I asked to input my payment information using their site. I NEVER use my banking debit credit card issued from First Commonwealth Bank for anything over $80.00 USD and I wasn't going to start with this business! According to their emails, this purchase was authorized by some place calling themselves ************************************ I have absolutely NO clue to whom or what that is? I had made contact immediately with this business 2x consecutively, spelling everything out to them. I gave them a solution and request. From order to my contacting them 2x it was all within about 8 minutes! The next day, I received an email from that business telling me that the order was already sent, and they could not get the package back now. I questioned how it's possible to submit an order, pick it, box it, label it, and handed off to a UPS carrier and in the air all within 8 minutes? I went to my First Commonwealth Bank app, and initiated a chat with one of the online reps. I asked to have the payment stopped, but was told that they cannot cancel purchases that are made using the debit/credit card. The rep suggested that I submit a dispute to the bank. I did. Soon after soon after, I received a notice that I was being given a "provisional credit for the entire amount of $106.19" and that they were launching an investigation on my behalf. Please read the email sent w/this doc.

  Customer response

  06/12/2024

  From: <[email protected]>
  Date: Tue, Jun 11, 2024 at 7:42 PM
  Subject: Message from BBB.org
  To: <[email protected]>
  
  When the package was supposed to be delivered, I posted on my front door a note for the UPS driver according to their process of refusing delivery of a package. It never was delivered/received/accepted. I have documentation that "**** *********** DID receive the package back, and it was signed for. Some time had past, and then on 06-June-2024, I received an email from this Ms. Natalie C***** acting on behalf and representing First Commonwealth Bank. The letter that Ms. C***** sent stated that she was satisfied enough with herself to render a decision in favour of ***** *********** and has ruled against me, the banks customer, stating that she was satisfied enough to say that this transaction was "authorized", and will be deducting from my personal account the $106.19 and awarding that company full payment. During this so-called "investigation" that Ms. C***** was conducting, at NO TIME had she contacted me to gain my input of the events, or to ask if I have any documentation that I could give her that may assist in her "investigation". Not an email, text, phone call, or a letter via the US postal system. I firmly believe that Ms. C***** is incredibly inept at her job. How many other First Commonwealth Bank customers has this Ms. C***** done wrong by? I having personally been employed at BIG banks over the years such as BNYMellon, PNC, and Goldman Sachs (not a bank, but it counts). I have worked in the high profile divisions of these institutions, not branch positions, and actually in the investigations department for PNC Bank, and there is NO room for error and incompetency. This type of irresponsibility is not tolerated by bank standards and customer standards. This would definitely call for Ms. C*****'s immediate dismissal from her bank duties, and escorted out of the building by an HR rep and building security. Ms. C***** would be considered an embarrassment and disgrace tarnishing their public name. It seems like Ms. C***** has knowingly and willingly aided in bank fraud. I am curious as to what "proof" that Ms. C***** used to make her extremely poor judgment with? I have 17 pages, how about her? Not only did I have this money stolen from me with the approval of Ms. C*****, but that business ALSO got their product back in hand ready to be sold again to the unsuspecting public!

  Business response

  06/14/2024

  Thank you for the opportunity to research the concerns shared with the BBB. The complaint has been reviewed and a direct response was provided to the customer on June 14, 2024. Due to security and privacy concerns, the details of the resolution cannot be provided in this forum.

  Customer response

  06/17/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [To assist us in bringing this matter to a close, we would like to know your view on the matter.]
  
  Regards,
  ******* *** ***

• Initial Complaint

  06/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  So I have currently had a car loan from this current bank. I was paying an extra $17 a month to occure over the next 56 months for a extra payment to pay off the entire purchase instead of for the car it would be like an extra payment and instead of them taking it and putting on an extra payment they put it on my interest solely because I did not come to the bank and pay it off. I mailed in the money orders. Expecting it to go to the end of the bill and have been told that the $600 will be added to interest instead. This is my first time owning a car when I sat down with the Sales agent. She told me that all of my interest was included in my payment including my warranty. Never did she say that I had to verify if the extra was occurring for the principal. I've never even heard that word. This my first time even owning a good car or buying and purchasing a good car and I know absolutely nothing about principal and interest. Other than the salesperson telling me that the interest would go to my direct bill. So any payment I made over I assumed would go to my principal which I just learned what those two words are. I'm a survivor of human trafficking. I've never actually owned a vehicle until now and it's unfortunate that these businesses take advantage of people who don't know...

  Business response

  06/14/2024

  Thank you for the opportunity to research the concerns shared with the BBB. The complaint has been reviewed and a direct response was provided to the customer on June 14, 2024. Due to security and privacy concerns, the details of the resolution cannot be provided in this forum.

• Initial Complaint

  06/04/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was working with Nathan B**** I was approved a mortgage we found a house, he been giving me a run around I was supposed to close end of may a week before they need more information said I had to pay something off on my credit report I paid them off on the 31 st of may ge said all good soon as I get those I can get an exception no problem and a grant . Ok I was supposed to close tomorrow and now ge can't help me he pulled my credit supposed my score went down . I had a 640 when approved that was good enough evertimr it was time to close and excuse would come up, Told me one thing my realtor another said he was giving me grants now he can't had $5,000 to $7,000 for closing that was good enough which included the grants he calls me today needs 10,000 don't have that all he did was give me a run around, abd second time he fid this to me, I know one of my family members he helped with a grant they only had 1,000 dollars put down had no problems getting his done.

  Customer response

  06/05/2024

  Here some of the text messages between myself and Nathan he said 1500 down payment  then he tries to get more not including the grants, on April 15 he was supposed to do that grant it was after that he submitted it after he said he would submitted that day.

  Business response

  06/11/2024

  Dear *** ******
  We received your complaint submitted to the Better Business Bureau (BBB). In your complaint,
  you state you were expecting to close your mortgage at the end of May, but were asked to provide
  additional information prior to closing, were not provided the correct information on grants you
  expected to receive, and overall felt you were given the run around throughout the process. We
  have researched your complaint and found the following.
  On April 26, 2024, you began working with First Commonwealth Bank (FCB) on an FHA loan
  application with the intention of obtaining First Front Door grant funds from the Federal Home
  Loan Bank of Pittsburgh. The loan was conditionally approved on May 2, 2024 with the condition
  of attaining the grant money from the First Front Door program.
  The First Front Door grant funds are available in limited quantities, and unfortunately, FCB was
  unable to secure the grant for you. The FHA loan was no longer an option as you did not have the
  necessary funds available to close on the loan which would have been between $16,000.00 and
  $17,000.00.
  At your request, the mortgage loan originator looked into another loan option with our First At
  Home mortgage loan product. This is a minimum down-payment loan and was a potential option
  based on the amount of funds you have available.
  Once we received the necessary income documentation, it was determined that your debt to
  income ratio was 39% and because the guidelines require a ratio of under 32.5%, this required FCB
  to obtain a product exception approval.
  When your credit rescore was completed to obtain the exception, FCB found that your credit score
  had dropped from 640 to 598 due to a newly reported collection account. Based on the updated
  credit score, FCB had no other available financing options.
  It is our goal to exceed our customers’ expectations during every interaction. We understand that
  you are disappointed in not obtaining a mortgage loan through FCB at this time, but hope that you
  find this explanation satisfactory. If we can be helpful in providing any other information, please contact me directly by phone or email.

  Sincerely,
  Erin C*******
  VP, Customer Experience Manager

  Customer response

  06/12/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [To assist us in bringing this matter to a close, we would like to know your view on the matter.]
  
  Regards,
  ***** *****

• Initial Complaint

  04/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This bank is absolutely horrible. They claim to be chanpians for woman but they are not. They stole my home and then had me put in jail so they could call it abandoned and steal it. They pay off the counties to have them help steal from the people. They even killed my dog. They use fake accounts, steal identities, and steal your monies. They give you nothing of value. I will never stop until these criminals are behind bars.

  Business response

  04/26/2024

  We have been unable to contact the customer and ask that she calls us directly at 724-933-4527 or provide additional contact information.  

• Initial Complaint

  02/12/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The car payment was made and yet they repossessed the car then refuse to give it back even after the vehicle was paid off. There was no late payment, their system is always behind and is bever correct yet bank statements prove payments where made on time.

  Business response

  02/22/2024

  Thank you for the opportunity to research the concerns shared with the BBB. The complaint has been reviewed and a direct response was provided to the customer on February 22,2024. Due to security and privacy concerns, the details of the resolution cannot be provided in this forum.

• Initial Complaint

  01/07/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am filing a complaint because when I got off work tonight after being there and working over 16 hours straight, I went to get gas and to my surprise my card was declined not once but both times I tried to use it! So I logged into my account and almost had a heart attack when I saw that almost $2000 is missing out of my account! Some company called BetMGM charged my debit card over and over for $100 here and $50 there! I have claimed my card as stolen with customer service but they’ve told me they cannot dispute these transactions nor were they even helpful in getting me a new debit card shipped out overnight. Not only is my bank account almost drained, I don’t have any money for bills that are set to automatically come out of this account. I’m also leaving for a week due to my grandmother passing away and what am I going to do with no money! This has got to be a total nightmare! Please I’m begging you to please contact me asap to fix all of this!

  Business response

  01/17/2024

  Thank you for the opportunity to research the concerns shared with the BBB. The complaint has been reviewed and a direct response was mailed to the customer on January 17, 2024. Due to security and privacy concerns, the details of the resolution cannot be provided in this forum.

• Initial Complaint

  01/02/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  i had an issue with being scammed on facebook, i called a number i found online to report it to facebook and was told to download an app which was actually a desk top app so they could access my phone and i did not know that and when i did they had me go into my cash app to refund me and they did not refund me they actually took money from me. the first night the guy said it would take up to 12 hours to show in my acct when it didnt i called back and got someone else who accessed my phone the same way and began taking money all the while saying it will show just hold on and when it did not he said ok lets try zelle. he gave me a code to type in i typed the code and when i hit send it was actually a name not a code then and it took money i immediately called my bank and they refused to do anything claiming i scammed myself by allowing it to happen to myself. i contacted the attorney general after speaking with a friend and being told internet crimes cannot be tracked down by local law enforcement and i looked online and it said to contact the attorney general so i filed a complaint with them.

  Business response

  01/09/2024

  Thank you for the opportunity to research the concerns shared with the BBB. The complaint has been reviewed and a direct response was mailed to the customer on January 9, 2024. Due to security and privacy concerns, the details of the resolution cannot be provided in this forum.

• Initial Complaint

  12/25/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I applied and was approved for a bank account online on dec 12th. I still haven’t received my debit card in the mail and now for whatever reason I’m unable to log into my account! When I call customer service I can’t get ahold of anyone and I’m beyond annoyed at this point!

  Business response

  01/02/2024

  Thank you for the opportunity to research the concerns shared with the BBB. The complaint has been reviewed and a direct response was mailed to the customer on January 2, 2024. Due to security and privacy concerns, the details of the resolution cannot be provided in this forum.

• Initial Complaint

  12/18/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  Fraudulent charge was push through on my account for 111.32 on Dec 9. I have been in contact with the bank a minimum of 3 separate times without getting a straight answer. They have charged me an overdraft fee of $35 and will be charging me $8 everyday until it is brought to a positive balance.

  Business response

  12/21/2023

  Thank you for the opportunity to research the concerns shared with the BBB. The complaint has been reviewed and a direct response was mailed to the customer on December 21, 2023. Due to security and privacy concerns, the details of the resolution cannot be provided in this forum.

  Customer response

  12/22/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ****** *****

• Initial Complaint

  12/18/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  First Commonwealth Bank sends out requests for a deferment but keeps withdrawing from my account regardless of setting up a deferment. This bank is racially profiling me. This bank will provide services for others but refuses to do the right by me. This bank is falsely advertising deferments and has racially profiling me several times.

  Business response

  12/21/2023

  Thank you for the opportunity to research the concerns shared with the BBB. The complaint has been reviewed and a direct response was mailed to the customer on December 21, 2023. Due to security and privacy concerns, the details of the resolution cannot be provided in this forum.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩