Complaints

This profile includes complaints for First National Bank of PA's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  First National Bank of PA

  626 Washington Pl Pittsburgh, PA 15219-3474

• 

  Regency Finance Company

  2610 Walbert Ave Unit 1L Allentown, PA 18104

• 

  Regency Finance Company

  211 Kennedy Ct Ste 5 Hanover, PA 17331

• 

  First National Bank

  65 Ashland Ave Carlisle, PA 17013

• 

  First National Bank

  1416 Lititz Pike Lancaster, PA 17601

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:04/15/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  April 11th I called to have my transaction amount lifted on my card to make a larger purchase. I made said purchase and was double charged over drawing the account and checked with the vendor and their accountant and they only ran the transaction 1 time. First National Bank has required me to file a police report in order to place the funds back into my account. It appears to me that their software system has a glitch and duplicated the charge which has caused additional frustration as they are not willing to look into the duplicate charge other than filing a police report

  Business Response

  Date: 04/24/2025

  April 24, 2025
  ***** *****
  ***************
  P.O. Box 47
  McClellandtown, PA 15458
  Better Business Bureau Case# ********
  Dear Mr. ******************** accept this letter in response to the complaint that we received from the Better Business Bureau
  on April 15, 2025, regarding your checking account at ******************************************* ******************** (***).
  
  On April 15, 2025, FNB was notified by our third-party payment processor of an issue that caused certain
  debit card transactions to process twice. On April 16, 2025, your account was confirmed to be affected
  by the issue, and a credit in the amount of $5,899.70 was processed to your account that same day.
  Returned Item fees that occurred as a result of the duplicate transaction in the amount of $58.00 were
  refunded to your account on April 16, 2025. A copy of your transaction 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,
  ********* *****
  Market Manager
  ********** Region
  First National Bank

• Initial Complaint

  Date:04/08/2025

  Type:Facilities Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Approximately six weeks past I changed my internet provider. My phone land line and my computers are now under spectrum. I tried to have spectrum use my old phone number but that couldn't be done. When they changed my home phone number I started to have problems with the *** automated system. I have not been hacked any more since I was using their automated system. I have tried to remedy the problem and also called them many times to have this problem looked at by the people at ***. I have not had any luck with! They have directed me to do many things that haven't worked, they have hung up on me and made promises to take care of the problem, but to no avail. I must stress that I have been hacked more than four times and since I started using the automated system at ***, I haven't had any problems!

  Business Response

  Date: 04/17/2025

  Dear ************************** accept this letter in response to the complaint that we received from the Better Business Bureau on April 8, 2025, regarding telephone banking access at First National ******************** (FNB).

  We have reviewed the details of your complaint regarding your issues with accessing FNBs automated telephone banking system. On March 24, 2025, you called the ************** and requested to update your phone number because it recently changed. The ************** Representative who assisted you updated your phone number on your behalf. For security purposes, the telephone banking system will request additional verification the first few times that you call from your new number.

  On April 9, 2025, you spoke to ************** Supervisor ******* *****, and you confirmed that you were able to access your account information via the telephone banking system. You advised Ms. ***** that you were satisfied with the outcome of your conversation.

  Sincerely,

  First National Bank

• Initial Complaint

  Date:04/03/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This business had my mortgage that was paid off on March 31st, 2025. Not only the bank never shared a single document with me regarding this entire process (or send a notification), but they also closed my account so I couldn't access any of my mortgage documents or statements. I had called a few times and was told everything is done and I don't need any info. They only shared three docs with me via encrypted messaging, which I used to compare with closing statement and verify that they actually lied and took more money than what they owed. I called again, and they said they will mail me a check, "where to?" I said, incredibly they told me the house address that I had sold. Their **** seems to know this and have the attitude you expect from a thief. I asked to access my account again so I can have all the docs, they refused and told me they can email it to me. I asked them to email it to me, incredibly again, they said that would be "too many". Never had to interact with such terrible humans with no acknowledgment of any error or mistake and just confrontational in every sentence.

  Business Response

  Date: 04/15/2025

  Dear Mr. ********************* accept this letter in response to the complaint that we received from the Better Business Bureau
  (BBB) on April 3, 2025, regarding your mortgage loan at First National Bank of Pennsylvania (***).
  
  We have reviewed the details of your complaint regarding the payoff of your mortgage loan. On March
  25, 2025, the *** Mortgage department received a payoff request from your attorney on your behalf. A
  payoff quote in the amount of $271,573.48 that was good through April 7, 2025, was provided directly
  to your attorney that same day. On March 31, 2025, *** received a wire in the amount of $271,512.78
  to satisfy your loan.

  On April 2, 2025, and April 3, 2025, you spoke to representatives of the Mortgage Servicing Department.
  They assisted you in updating your address after you advised that it had changed. In your contact with
  the representatives, the following documents were provided to you via email: a copy of the payoff, your
  1098 tax form, and a breakdown of your payments. The remaining documents including your
  statements, escrow analysis, and 1098 tax forms were provided to you via mail to your updated address.
  On April 9, 2025, an official check was mailed to your updated address in the amount of $239.61 to
  refund you for the overpayment.

  We hope this response to your complaint meets your satisfaction.
  

  Sincerely,
  

  **** M. *******
  Residential Mortgage Compliance Officer

  Customer Answer

  Date: 04/15/2025

  [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

  Date:03/24/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I bought a boat from someone. This bank had a Lein. The owner paid off the loan but the **** is refusing to send the Lein release to the *********** instead they sent it to the department of transportation. I can not complete the transfer with the *********** without this release that the bank is refusing to send to the appropriate agency and refusing to give a physical copy

  Business Response

  Date: 04/03/2025

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on March 25, 2025, regarding a lien release at First National Bank of Pennsylvania (FNB). 

  
  We have reviewed the details of your complaint regarding the lien release for your boat. On March 25, 
  2025, the loan satisfaction was prepared and sent electronically to the *************************
  (USCG) notifying them that the lien was satisfied, and the vessel could be released. On March 28, 2025, 
  the satisfaction process for the vessel was completed. 

  
  If you would like to receive a copy of the satisfaction, please contact Loan Operations Manager Timothy 
  Ritz via email at *****************************.

  
  We hope this response to your complaint meets your satisfaction.

  
  Sincerely,

  
  Loan Operations
  First National Bank

• Initial Complaint

  Date:03/20/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  accidently paid twice on my bill of ****** on my credit card called bank .they reimbursed me for one of them for ****** later they charged me again for ******. called bank again . so they cheated me for 679..29 like to get my money back

  Business Response

  Date: 03/27/2025

  Please accept this letter in response to the complaint we received from the Better Business Bureau (BBB) 
  on March 20, 2025, regarding your credit card at First National Bank of Pennsylvania (FNB). 

  
  We have reviewed the details of your complaint regarding a duplicate payment made to your credit card. 
  The duplicate payment posted to your account on January 29, 2025, in the amount of $678.29, was 
  refunded to your account on February 14, 2025. This refund is reflected on your credit card statement 
  dated March 9, 2025. Copies of your recent credit card statements, as well as recent account activity, are 
  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,

  
  ******** Capps ****
  Market Manager
  **********************************
  First National Bank

• Initial Complaint

  Date:02/27/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  2/2/25 I received notification there was an attempt to change my online banking account password. I contacted *** and my online banking account was disabled. I was fine with that resolution, however, after many phone calls, and a visit to my local branch I was told I would receive a phone call re-establishing my online banking account I have heard nothing. I am filing this complaint because of the poor customer service and no phone call from the bank as I was promised. I don't have access to my accounts and I would like a resolution. It is very poor customer service to be told I would get a phone call and then not hearing anything.

  Business Response

  Date: 03/12/2025

  Dear Ms. ****************** accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on February 28, 2025, regarding your checking account at ******************************************* Bank of Pennsylvania (FNB).
  We have reviewed the details of your complaint regarding access to Online Banking (OLB). On February 3, 2025, you called the ****************** to report that someone had attempted to gain access to your OLB profile. To protect the security of your account, a restriction was placed on your OLB profile during that call.
  On February 13, you visited your local branch to request that your OLB be reinstated. You were advised at the time that you would receive a callback from a ************** Agent (***) who would assist. On February 18, 2025, your case was reviewed, and it was determined that access could be reestablished with a new username and password. The CCA who reviewed your case inadvertently did not assign the request for callback.
  A CCA contacted you via phone on February 28, 2025, and assisted you with lifting the restriction and successfully logging into your Online Banking. We apologize for any inconvenience this may have caused and have used your experience as a coaching opportunity for our employees to ensure that *** continues to provide exceptional customer service.
  We hope this response to your complaint meets your satisfaction.

• Initial Complaint

  Date:02/07/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The bank allowed a charge from ****** to go through for over double the amount that was available in my bank checking account. This put my account in the negative by $930 and now I have to wait for them to research the over charge and hopefully credit my account back. ******************************************* Bank should not have allowed such a large amount to come through it should have been denied while processing. It seems very predatory. They knew the funds weren't there yet let it come through. The representative said only auto payments and things similar should be allowed to over draft my account This was not the case. 2/6 is when the funds posted to my account and caused the over draft charge of an extra $35 and removed the funds i did have available which now leaves me screwed financially until they figure it out and cover their end but where were they to cover my end. They aren't assuring me my funds are safe. Anyone can just charge things to my account and they pick and choose what does or doesn't go through.

  Business Response

  Date: 02/20/2025

  Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on February 7, 2025, regarding your checking account at ******************************************* ******************** (FNB). 
  We have reviewed the details of your complaint regarding the Overdraft fees (** fees) that were assessed to your account. Pursuant to the Deposit Account Agreement (DAA) provided at account opening and enclosed for your reference, FNB, at its discretion, may pay checks or automatic payments, such as recurring Automated Clearinghouse (ACH) payments, into overdraft rather than returning the transaction. On February 5, 2025, your available balance to pay items was $1,130.78. From your available balance, your account was presented with one (1) item in the amount of $2,025.08, which posted to your account leaving a balance of negative $894.30. The $2,025.08 transaction caused the $35.00 ** fee that was assessed to your account on February 6, 2025. Your account balance remained overdrawn on February 6, 2025, and a second $35.00 ** fee was assessed on February 7, 2025, after an $8.47 transaction posted to your account on February 6, 2025, and was paid into overdraft. Enclosed is a copy of your transaction history. 

  
  On February 7, 2025, you called the ****************** to report that the $2,025.08 transaction that posted to your account on February 5, 2025, was unauthorized. The ************** Representative who assisted you filed a dispute on your behalf. The dispute investigation was completed that same day, and your account was fully credited $2,025.08 for the disputed transaction and refunded $70.00 for the ** fees. 

  
  Per the **** you may remove Overdraft Services from your account for checks or automatic payments, which will cause these transactions to be returned and a Returned Item fee to be charged. If you would like to opt out of ****************** you may contact any ********** location or call the *** Customer ************** at *************, Monday through Friday from 8:00 AM to 5:00 PM and Saturday through Sunday from 9:00 AM to 5:00 PM. 

  
  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 
  
  ***** Caudle 
  Market Manager 
  Capital Region 
  First National Bank 
  

  
  

  Customer Answer

  Date: 02/21/2025

  
  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

  Date:11/20/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a second notice on proof of car insurance on 11/6/24. I never received the first notice. Both were sent through regular mail. I immediately mailed the proof of insurance 11/7/24 to the address on the letter. On 11/19/24 I received a letter and bill for car insurance in the amount of ******* a year. We have two cars that are insured fully for about the same amount. They must of picked the most expensive insurance in the country. That was less than 2 weeks of the second notice. I received no emails other than a promotion for something unrelated to the issue. I received no phone calls or messages.

  Business Response

  Date: 12/05/2024

  Dear Mr. ******************* accept this letter in response to the complaint that we received from the Better Business Bureau
  (BBB) on November 21, 2024, regarding your auto loan at First National ******************** (***).
  We have reviewed the details of your complaint regarding Force Placed Insurance (***) for your vehicle.
  Pursuant to the enclosed loan note that you signed on August 28, 2024, you agreed to have physical
  damage insurance covering the loss of or damage to your vehicle, in which *** is named on your policy
  as loss payee. The note also states that 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 mailed to your address on file on October 17, 2024, and October 21,
  2024, which state that *** 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 ***, which may be more expensive than what you can obtain through your own agent.
  Because *** did not receive proof of insurance from you, *** in the amount of $5,391.00 was purchased
  for your vehicle per the enclosed notification dated November 14, 2024.

  On November 18, 2024, the *** Insurance department received the insurance policy that you provided,
  however the incorrect lienholder was listed. Upon review of the policy that you provided with your BBB
  complaint which lists *** as the lienholder, the *** has been fully refunded to your loan totaling
  $5,391.00. Please note that this refund will post to your loan in two separate amounts: $4,963.00 and
  $428.00. The enclosed notification confirming the $4,963.00 refund was provided to you via mail, and
  you will receive a separate mailed confirmation of the $428.00 refund.

  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

  Date:10/08/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On Sunday September 30, 2024 I opened an account online with **********************. At the end of the application, something apparently malfunctioned and I did not get my account number. I got my debit card, but witthout the account number I cant do much. On Thursday October 3, 2024, contacted the customer service team at the 1800 number and spoke with a *****. ***** was no help what so ever, she was very unrpofessional. When i expressed my concern, she showed NO empathy or care about concern. Also I realize that I called at 7:58 pm and of course she had to make a snide comment about that. "Youre calling at 7:59 pm, I dont know how you expect to reach any other department. I work from 8am-6pm I cant call any other time. And when I asked ***** to speak to a supervisor about her behavior, she refused and offered a call back.I had to be very ***** with her to get a supervisor. Also I told ***** she was rude to me, her comment was oh Im not worried this call is recorded, they can see how you were rude to me, I was floored. A supervisor I spoke with was to have an email sent with my account informaiton, but the only thing I got was a welcome email, NO account number. I have gotten nothing in the mail and this is now beyond frustrating.

  Business Response

  Date: 10/22/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on October 9, 2024, regarding your checking account at ******************************************* ******************** (FNB). 

  
  We have reviewed the details of your complaint regarding your account information. On September 30, 2024, you opened a checking account online via ***'s website. Your account number was provided to you on the screen that confirmed your application was approved. On October 3, 2024, you called the ****************** to inquire about your application status. Your call was escalated to a ************** Supervisor, who confirmed that your account was opened, and that for security purposes, your account number is not provided via telephone or email. The supervisor who assisted you advised that you may visit any ********** location if you wanted to obtain your account number, and that your call would be reviewed to address any coaching opportunities with the representative who previously assisted you. 

  
  On October 12, 2024, you successfully enrolled in Online Banking and selected to receive electronic statements and notifications regarding your account. If you need further assistance with your account, you may visit any ********** location or call the ************** at ************, Monday through Friday from 8:00 AM to 9:00 PM, or Saturday through Sunday 8:00 AM to 5:00 PM. 
  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, 
  
  ******* Pirro 
  Market Manager 
  *********************** First National Bank 
  

  
  

  Customer Answer

  Date: 10/24/2024

  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.
  Your complaint did not address the concern presented. Did you reprimand the representative who,was so rude? If you keep,her on your staff will close my account.

   
  

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

• Initial Complaint

  Date:09/30/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My account was hacked on May 9 I went to the bank on May 10 and filed a complaint I then went back to the bank on June 31 and again on May 7-9 to no avail. I was told today 9-27 that they only go back 60 days but I got a letter saying they will only pay me $39 and that was hacked from my account all most 3 years ago. On May 9th I was hacked for $50 from Draft Kings. Going back 2 months from there for a total of $350. I was hacked for like $300 total from some shopping service as well. I told them I would settle for the $350 from draft kings and forget about the other 3 hundred and something but they said their decision was final

  Business Response

  Date: 10/11/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on 
  September 30, 2024, regarding your checking account at ******************************************* ******************** (FNB).

  
  We have reviewed the details of your complaint regarding your debit card dispute. On June 21, 2024, you visited 
  the ****** Office to report transactions that you stated you did not authorize. The employee who assisted you filed 
  a dispute on your behalf for transactions that posted to your account between December 30, 2022, and May 10, 
  2024, totaling $591.00.

  
  Pursuant to the Deposit Account Agreement provided at account opening and enclosed for your reference, it is 
  your responsibility to promptly review your statements and to notify FNB of any unauthorized activity. Per the 
  Electronic Fund Transfer Act (EFTA), as implemented by Regulation E, you as the consumer must report 
  unauthorized transactions to FNB within sixty (60) days after the date the statement was made available to you 
  that contains the unauthorized activity. If you do not notify FNB within the 60-day timeframe, you will be liable for 
  any additional unauthorized transactions that occurred after the 60-day period and before you provided notice to 
  FNB. 

  
  On July 1, 2024, your dispute investigation was complete, and the enclosed notification was provided to you. 
  Because the statement showing unauthorized transactions was made available to you on January 10, 2023, the 60-
  day timeframe was between January 10, 2023, and March 12, 2023. Your account was credited $30.00 on July 1, 
  2024, for the disputed transactions that occurred within the 60-day timeframe, which includes the debits that 
  posted to your account on the following dates: December 30, 2022, January 30, 2023, and February 28, 2023. You
  did not receive credit for the transactions that occurred on or after March 12, 2023, because they occurred outside 
  of the 60-day timeframe. Please note that these transactions will not be credited to your account.

  
  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,

  
  ****** *********
  Market Manager
  ********** Region
  First National Bank