ComplaintsforFirst National Bank of PA

• Initial Complaint

  08/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I sent a wire transfer amount of $45,000 to my crypto**** account to invest in bitcoin from the bank and two days later the bank sent me a letter that they will be closing my account and also crypto**** email me that they will be returning the money back to my account within 7 days and immediately i told my bank that the money i wire has been returned back to my account and i was told by my bank that they will let me know when they received it since then have been going to them for almost 2 month to get my money and all they have been telling me is that they will call me and since 2 month now nothing has been done have been to the bank over 20 time and they refused to release my money and i could not pay my bills and be able to feed myself anyone because of this and it has lead to very serious depression to me and i dont know what to do anymore because i urgently need my money or i will kill myself

  Business response

  08/29/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on August 22, 2024, regarding your checking accounts ending in **** and **** at First National 
  Bank of Pennsylvania (FNB). 
   
  We have reviewed the details of your complaint regarding your wire transfer. On June 26, 2024, you 
  visited the Wilkes Barre Arena Office and initiated a wire for $45,000.00 to your account at Community 
  Federal Savings Bank located in New York. On June 27, 2024, you withdrew the remaining funds in cash 
  and closed your accounts. Mary Herbert of the Wilkes Barre Arena Office spoke to you via phone on July 
  2, 2024, to inform you that the $45,000.00 from your wire had been returned. You came to the office on 
  July 3, 2024, and you were issued an official check for the funds from the wire transfer, of which a copy 
  is enclosed for your reference. You deposited that check the same day to NBT Bank. 

  
  We hope this response to your complaint meets your satisfaction.

  
  Sincerely,

  
  Sheri C*****
  Market Manager
  Capital Region
  First National Bank

• Initial Complaint

  08/14/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  My name is ******* ****** ****** I need help closing my account out ending in FREESTYLE CHECKING - ********* and also closing my online bank access out for username ********* so when I login I can’t login no more because I have called ###-###-#### to close the account out and she told me I can’t close it out I have to go to a bank and I can’t go to a bank I don’t have no way to get to a bank or have transportation to get around to close it out in person so please close the account out for and close the online bank access out for me and close the card ending in **** out for me and send me proof when you close them out for me etc.

  Business response

  08/23/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on August 15, 2024, regarding your checking account at First National Bank of Pennsylvania (FNB). 
   
  We have reviewed the details of your complaint regarding your account closure. You contacted the 
  Contact Center via email between August 11, 2024, and August 14, 2024, and requested to close your 
  account. You were advised by the Contact Center Representatives (CCR) who assisted you that your 
  account had a balance of negative $3.51 and needed to be brought to a zero balance in order for it to be 
  closed. 

  
  Branch Manager Sean O******* of the North Second Street Office attempted to reach you via phone and 
  left voicemails for you on August 13, 2024, and August 14, 2024. He spoke with you via phone on August 
  20, 2024, and advised you that $3.51 was credited to your account as a courtesy that same day, which 
  brought your account to a $0.00 balance. Mr. O******* closed your checking account and temporary 
  debit card on August 14, 2024. Because you no longer have an open account with FNB, you do not have 
  access to Online Banking. A copy of your account activity is enclosed for your reference.

  
  We hope this response to your complaint meets your satisfaction.

  
  Sincerely,

  
  Charles B****
  Market Manager
  Capital Region
  First National Bank

  Customer response

  08/23/2024

  
  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

  08/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have this Loan auto loan with First National Bank, June 2024 my car got into accident and got into a total loss. We called First National Bank with progressive on the call. Got the payoff amount since then progressive tried to reach them to get the payoff letter of authorization so they could send the funds to them. They tried to contact them several times every week for five weeks until they got hold of them on June July 23 And that’s when they got the paper and they issued a check right away but now with the situation is that First National Bank trying to overcharge me the penalties fees and all that stuff and asking for more money when the original payoff amount was $41,270 which 39,295 was paid by progressive additional $20 was paid by progressive and I also made additional payment of $922 which leaves the balance according to all the payments it should’ve been only $1033. They trying to ask me for more than $1800 which was not my fault or the progressive fault. It was the fault of first national bank not responding to the request so they could send the money right away when they asked at the first point in June 20 national bank delayed on their end which caused me extra money and I don’t have that kind of money to pay. I need that issue resolved, please can you help me?

  Business response

  08/21/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB.) on August 8, 2024, regarding your auto loan at First National Bank of Pennsylvania (FNB).

  
  We have reviewed the details of your complaint regarding your loan payoff. Beginning on June 20, 2024, 
  your insurance carrier, Progressive, requested a Letter of Guarantee (LOG) from FNB, for a total loss 
  payoff of your vehicle loan. When they asked for a status update on June 28, 2024, they were advised 
  that the LOG was pending approval by FNB. On July 23, 2024, the Letter of Guarantee was emailed to 
  Progressive, and partial payoff was issued to FNB in the amount of $39,295.89.

  
  As a courtesy, on August 9, 2024, $304.05 was refunded to your loan balance for the interest accrued 
  from June 20, 2024, until July 29, 2024. In addition, Force Placed Insurance in the amount of $191.00 
  was also refunded to the balance of the loan. Enclosed is an updated payoff quote that is valid through 
  August 24, 2024.

  
  We apologize for any inconvenience this delay may have caused and hope this response to your 
  complaint meets your satisfaction. 

  
  Sincerely,

  
  James A****
  Market Manager
  Mid-Atlantic Region
  First National Bank

• Initial Complaint

  08/05/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  On 8/5/24 I was notified that I would have to pay off the amount of a vehicle in full prior to getting it back from Repo and that nobody had that amount yet. I was told I could send verification of new employment and potentially have this reviewed. When I called back, I was told now I needed two months of previous pay stubs for review. When asked what this review process was and what it entailed I was told they couldn’t provide me that info they just collect the stuff and forward it to “him” So now my personal info is being reviewed by him and it could take 48 more hours where more fees will be charged. After 6 hours of fighting to get this figured out. Extremely bad business practices!

  Business response

  08/19/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on August 5, 2024, regarding your auto loan at First National Bank of Pennsylvania (FNB).

  
  We have reviewed the details of your complaint regarding your loan status. Pursuant to the enclosed 
  note that you signed on April 7, 2021, beginning on May 7, 2021, your monthly payments in the amount 
  of $434.42 are due on the seventh day of each month. The note further states that if you do not make 
  your monthly payments, your loan will be in default. 

  
  On October 30, 2023, you made your payment that was due on October 7, 2023. However, you did not 
  make another payment until you paid $700.00 on December 27, 2023, to bring your loan current. Your 
  loan became delinquent again because you stopped making your monthly payments in full in early 2024. 
  The enclosed Intent to Repossess letter was provided to you on February 21, 2024, which states that if 
  your loan was not brought current, the repossession process would proceed.

  
  Your vehicle was repossessed on August 5, 2024. You contacted the Loan Adjustments department to 
  make arrangements to redeem your vehicle. In order to redeem your vehicle and verify that you are 
  able to make timely payments moving forward, you were advised to submit your employment 
  verification. You provided this documentation on August 6, 2024, and you were contacted that same day 
  and advised that you may redeem your vehicle by paying $2,251.51 plus storage fees to bring your loan 
  current. On August 7, 2024, you successfully paid your loan to redeem your vehicle. A copy of your 
  payment history is enclosed for your reference.

  
  We hope this response to your complaint meets your satisfaction. While this communication is intended 
  to present the facts of the situation, we would like to express our appreciation for your business and our 
  hope that you will continue to allow us to serve your financial needs.

  
  Sincerely,

  
  Loan Servicing
  First National Bank

• Initial Complaint

  08/04/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  On March 2024 I received a promo (S453419) from First National Bank of PA (FNB, **************************/) offering $600 if I opened an account with specific conditions. The reward consisted 2 parts. Get $300 if I opened an account with FNB and “….make a qualifying direct deposit (s) totaling $2,500 within the first 90 days….you qualifying direct deposits must be electronic-type deposit, including but not limited to, a paycheck or pension from your employer, government benefits (such as Social Security), or other affiliated depositors.” Another $300 is rewarded if I produce 15 debit transactions. 
  I have received similar promotion in the past from ***** *****, ********** ****, ********, and in each case I checked to clarify with banks what transactions qualify as direct deposits. With FNB I actually checked twice because the amount of deposit I had to come up with was pretty high ($2,500). I called FNB and stopped by the closest office (First National Bank, 9600 Perry Hwy, Pittsburgh, PA 15237). Both phone and in office person told that wire transfers are direct deposits.
  
  On Apr 18, 2024 I opened a checking account **********  
  
  On Apr 29, 2024 I wired $2,300 from my company (******* ****** ****** ***) business account. I do not have a payroll because I do not have employees.  I am self-employed, one man firm specializing in travel, and when it is slow I also do handyman work. The wire was a payment distribution. In addition I had 2 payroll payments for handy work for $180 (Apr 10, 2024 from ******** LLC) and $200 (Mar 25, 2024 from ******** ******** ACH). The total amount of direct e-deposits is $2,680. I have met bank condition for $300 reward for deposits. 
  
  The FNB did paid $300 reward on June 20, 2024 for fulfilling 15 debit transactions condition.  But there was no reward for making $2,500 direct deposits?
  
  On July 11, 2024 I sent a note to FNB asking where is the other $300 reward. I also called. I got an e-response back saying that I need to wait till August 1, 2024. 
  
  On July 24, 2024 I received a phone call from FNB. I spoke with Ms. Heather. She said that my wire transfer is not a direct deposit and for that reason I am denied a reward. 
  
  I am requesting assistance to get Frist National Bank attention and fulfill their advertised promotion. Having same bank 1 person saying one thing, and another denying is horrible practice. How can you trust the bank after that?

  Business response

  08/19/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on August 5, 2024, regarding your checking account at First National Bank of Pennsylvania (FNB). 

  
  We have reviewed the details of your complaint regarding your promotion reward. On March 19, 2024, you opened a checking account via the FNB website and entered a promotion code. The enclosed disclosures that were provided to you state that to qualify for the $600.00 reward, $2,500.00 or more in qualifying direct deposits must be credited to your account and at least fifteen (15) debit transactions must be initiated from your checking account within the first ninety (90) days after account opening. Please note that per the disclosures, the qualifying direct deposits must be an electronic-type deposit, such as a paycheck or pension from an employer, government benefits or other affiliated depositors. 

  
  Your account was credited $300.00 on June 20, 2024, for fulfilling the debit transactions requirement. On August 8, 2024, I contacted you to advise you that your account was also credited $300.00, as a courtesy, despite not meeting the direct deposit requirement as outlined in the disclosures. Please note that no future credit adjustments will be made on checking account promotions. You stated that you were satisfied with the outcome of our conversation. Enclosed for your reference is a copy of your recent transaction activity. 

  
  Sincerely, 

  
  Linda L******** Market Manager 

• Initial Complaint

  07/30/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  THIS IS NOT MY ACCOUNT I ASKED THEM TO VALIDATE THIS ACCOUNT AND THEY COULDN'T I DEMAND THIS ACCOUNT TO BE OFF OF MY CREDIT REPORT

  Business response

  08/13/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on July 30, 2024, regarding your auto loan at First National Bank of Pennsylvania (FNB).
  We have reviewed the details of your complaint regarding your credit reporting. Pursuant to the 
  enclosed note that you signed on June 3, 2020, beginning July 18, 2020, your monthly payments in the 
  amount of $480.15 are due on the eighteenth day of each month. Payments that are made more than 
  thirty (30) days after the due date are subject to being reported to credit bureaus. Enclosed for your 
  reference is a copy of your payment history.

  
  You paid off your loan on June 4, 2024, and the lien on your vehicle was released. On July 27, 2024, you 
  submitted two (2) credit bureau disputes regarding the information that was reflected on your credit 
  report for your auto loan. We have determined that your final payment that was made in June 2024 was 
  not correctly reflected on your credit report at that time. On August 1, 2024, FNB submitted an update 
  to the credit bureaus to accurately reflect your last payment and paid off loan status. Please keep in 
  mind that it may take up to thirty (30) days for this information to reflect on your credit report.

  
  We hope this response to your complaint meets your satisfaction.

  
  Sincerely,

  
  Loan Servicing
  First National Bank

• Initial Complaint

  07/19/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  Purchased a new car and had my insurance changed over that day. The insurance was full coverage on the vehicle. First National Bank of PA sent me a letter stating they needed proof of insurance. I waited a week before submitting the proof. When I looked at my loan, there was an additional $2,465.00 listed under FORCE PLACE INSURANCE. I called and complained and proved that I had changed my insurance over at the day of the purchase and they told me that I would give me a full refund. The only gave me a $1,904.00 refund. I made 5 attempts to call, the one time the service agent redirected me to a health insurance company. The attached PDF file is the declarations file that proves that I had insurance on the vehicle at the day of the purchase.

  Business response

  08/01/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on 
  July 19, 2024, regarding your auto loan at First National Bank of Pennsylvania (FNB).

  
  We have reviewed the details of your complaint regarding Force Placed Insurance (FPI) that was purchased for 
  your vehicle. Pursuant to the enclosed loan note that you signed on April 11, 2024, you agree to have physical 
  damage insurance covering the loss of or damage to your vehicle, in which FNB is named on your policy as loss 
  payee. If you do not obtain insurance, we will purchase insurance on your behalf and the cost of the premium will 
  be added to your principal balance.

  
  The enclosed notifications were provided to you on May 30, 2024, and June 13, 2024, which state that FNB did not 
  have proof of insurance coverage for your vehicle. The letters further state that if you did not provide proof of 
  insurance, an insurance policy would be purchased on your behalf by FNB. Because FNB did not receive proof of 
  insurance from you, FPI in the amount of $2,465.00 was purchased for your vehicle per the enclosed notification 
  dated June 27, 2024.

  
  On July 3, 2024, you spoke with a representative of the FNB Insurance department, who determined that the 
  incorrect lienholder was listed on the insurance policy that you had for your vehicle. That same day, $1,904.00 of 
  the FPI that was purchased for your vehicle was partially refunded per the enclosed notification.

  
  The remaining FPI in the amount of $561.00 was credited to your loan on July 23, 2024, once the Insurance 
  department confirmed the effective date of your insurance coverage per the Declaration Page that you enclosed 
  with your complaint. A copy of the notification that was provided to you on July 23, 2024, confirming the refund is 
  enclosed for your reference.

  
  We hope this response to your complaint meets your satisfaction. While this communication is intended to present 
  the facts of the situation, we would like to express our appreciation for your business and our hope that you will 
  continue to allow us to serve your financial needs.

  
  Sincerely,

  
  Loan Servicing
  First National Bank

  Customer response

  08/01/2024

  
  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

  07/16/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My ex and I shared a joint account, we decided to remove myself from the account going forward since separation. FNB support has been contacted multiple times to complete this for the online banking and assured us this would be completed, yet I still have access to the account on my mobile app, meaning they never completed removal of my access. I don't understand how you cannot honor a simple request, and I imagine this could be potentially damaging to people who need an immediate removal of their ex partner, if situations were complicated enough for financial damages to occur from the ex, luckily I am not in that situation. I am requesting that FNB finally remove my access from the account ending in ****, I am at my wits end in working with their support who time and time again tell me the process will assuredly be completed only for nothing to occur.

  Business response

  07/29/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on July 16, 2024, regarding your Online Banking (OLB) at First National Bank of Pennsylvania (FNB). 

  
  We have reviewed the details of your complaint regarding your OLB profile. On July 23, 2024, you spoke with Jazmine F**** of the East Hills Office via phone. Upon your request you were removed from joint ownership of account ending in **** and confirmed that only account ending in **** was visible within your OLB profile. As of the date of this letter you have one (1) individual account remaining open at FNB. 

  
  We hope this response to your complaint meets your satisfaction. While this communication is intended to present the facts of the situation, we would like to express our appreciation for your business and our hope that you will continue to allow us to serve your financial needs. 

  
  Sincerely, 

  
  Daniel H***** 
  Market Manager 
  Central Mountain Region 
  First National Bank 
  

  
  

• Initial Complaint

  06/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  When I went to close my account today, they told me I had been penalized since Jan 03, 2023 for a dormant account fee. I've checked my emails and never received and contact via phone or postal email that this charge had been going on. I went to close my account 3 weeks ago, and they told me I couldn't because it was dormant.

  Business response

  07/09/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on June 27, 2024, regarding your checking account at First National Bank of Pennsylvania (FNB). 

  
  We have reviewed the details of your complaint regarding your account status. Pursuant to the Deposit 
  Account Agreement (DAA) provided at account opening and enclosed for your reference, for there to be 
  activity on your account, you must make a deposit, withdrawal, or notify FNB that you would like to 
  keep your account active. If there is no activity on your account, or you do not contact FNB regarding 
  your account for a period of twenty-four (24) consecutive months, your account will be considered 
  dormant. 

  
  On May 6, 2022, your account became dormant after there was no activity for a period of twenty-four 
  (24) months. That same day, you were mailed the enclosed Dormant Notice, advising that we would 
  begin assessing the monthly fee on June 1, 2022, to the address on file. Per the enclosed Consumer Fee 
  Schedule, a dormant account is charged a monthly fee of $10.00. Your account was removed from the 
  dormant status on June 12, 2024, and on June 26, 2024, your account was closed, per your request. 

  
  We hope this response to your complaint meets your satisfaction.

  
  Sincerely, 

  
  Christopher B****
  Market Manager
  Piedmont Region
  First National Bank 

  Customer response

  07/09/2024

  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.
  
  

  Unfortunately this doesn't satisfy the lack of notification of draining money out of a well funded account; no email or physical letter, they were happy to keep draining the account to $0.  Given the "hard" stance, I think we will just have to move to small claims court.

  
  Regards,
  
  ******* ******

• Initial Complaint

  06/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Made a deposit to First national bank on 6/13/24 for $64,000. Was told I'd have access to all the funds by last Thursday. Still do not have all my funds and it says won't be available till Tuesday. They have held my money up to use for their gain. They took all of my money out on 6/13 and have kept it for their personal use. This is not right and I want compensated for the interest they have cost me. The bank is asking like the thief. I deposited a $40,000 check earlier this year with not this kind of hijacking of my funds. This is not right.

  Business response

  07/03/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on June 11, 2024, regarding your checking account at First National Bank of Pennsylvania (FNB). 
  We have reviewed the details of your complaint regarding a hold placed on a large dollar check deposit 
  in the amount of $64,000.00, made on June 13, 2024, at the Meadville Office. At that time, you were 
  provided the enclosed Notice of Delayed Funds Availability which explained the reason for the delay and 
  advised you that your funds would be made available on June 25, 2024. Pursuant to the Deposit Account 
  Agreement (DAA), provided at account opening and enclosed for your reference, depending on the type 
  of check you deposit, or under other circumstances defined within the DAA, availability to withdraw 
  deposited funds may be delayed. The hold was released June 25, 2024, and the funds were made 
  available in your account. 

  
  The Federal Reserve supervises and regulates the length of holds placed on checks and the availability of 
  funds for financial institutions via Regulation CC. Regulation CC defines the availability of funds, 
  collection of checks and the required disclosures associated with them. For deposits over $5,000.00 
  (large deposits), Regulation CC permits financial institutions to delay the availability of funds for up to 
  seven (7) business days and requires a notice be given to the customer at the time of deposit. 

  
  Regulation CC documentation is also available online at https:************************* 

  
  We hope this response to your complaint meets your satisfaction. While this communication is intended 
  to present the facts of the situation, we would like to express our appreciation for your business and our 
  hope that you will continue to allow us to serve your financial needs.

  
  Sincerely, 

  
  Linda L********
  Market Manager
  Pittsburgh Region
  First National Bank

  
  

*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. ↩