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ComplaintsforFirst National Bank of PA
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Complaint Details
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Initial Complaint
08/22/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
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 myselfBusiness 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 BankInitial Complaint
08/14/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
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 BankCustomer 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
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 BankInitial Complaint
08/05/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
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 BankInitial Complaint
08/04/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
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 ManagerInitial Complaint
07/30/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
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 REPORTBusiness 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 BankInitial Complaint
07/19/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
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 BankCustomer 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
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 BankInitial Complaint
06/26/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
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 BankCustomer 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
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
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Customer Complaints Summary
132 total complaints in the last 3 years.
45 complaints closed in the last 12 months.