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

• 

  First National Bank of PA

  2634 Darlington Rd Beaver Falls, PA 15010

• 

  First National Bank of PA

  202 Devine Dr Wexford, PA 15090

• 

  First National Bank of PA

  1701 Duncan Ave Allison Park, PA 15101

• 

  First National Bank of PA

  2100 Washington Pike Carnegie, PA 15106

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:09/17/2024

  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 hope this message finds you in the best possible spirits. I'm filing this complaint about First National Bank (FNB) of PA because I have a business checking account with them. I attempted a mobile check deposit on 9/6/24, and I received confirmation that the mobile deposit had been completed and the funds would be available on the next business day. I logged into the ********** banking app on the next business day, which was 9/9/24 and discovered that my business checking account was not visible to me. Upon calling the *** customer service number, I was informed by the representative I spoke with that while my account was not closed, I did not and would not have access to it until the investigation was completed. They informed me that there was no reason listed for why the investigation was initiated and that the check would be held until 9/17/24 when the funds would clear. I contacted them today (9/17/24) and spoke with the same **** from last week who informed me that the investigation is still going on and there are no new updates. They noted that I would have to wait until the investigation is completed to access my funds, including funds not associated with the check in the amount of $2,200 which I deposited via mobile deposit. I have not received any communication whatsoever from the bank stating that there is an investigation and letting me know how my account will be impacted. This is a grave inconvenience for me and my business, and the lack of communication is highly concerning for me, especially since they have not communicated what the issue was with the check or any status updates, including when I will be able to access my account again. Please see the attached complaint letter, which I sent to the bank via certified mail. I have not received a response to my letter either. The letter contains more details about this issue, including the steps I have taken to obtain more information and get it resolved.

  Business Response

  Date: 09/30/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on September 17, 2024, regarding your business checking account at First National Bank of 
  Pennsylvania (FNB).

  
  We have reviewed the details of your complaint regarding your recent deposit. On September 6, 2024, 
  you deposited a check in the amount of $2,200.00 via Mobile Banking Deposit. Pursuant to the Deposit 
  Account Agreement provided at account opening and enclosed for your reference, all deposits are 
  subject to our verification and review for compliance with the law and our policies. This may result in 
  delays in availability of funds from your deposit.

  
  On September 9, 2024, your deposit was placed on hold while the funds were being verified. You called 
  the FNB Contact Center that same day because you advised that you were unable to view your account 
  in Online Banking. The Contact Center Representative who assisted you explained that your deposit was 
  under review and that your Online Banking would be temporarily restricted. The hold was released and 
  the funds from your deposit became available on September 18, 2024. Your Online Banking was 
  unrestricted the following day. Enclosed is a copy of your recent transaction history.

  
  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,

  
  Brad Joyce
  Market Manager
  Raleigh-Durham Region
  First National Bank

• Initial Complaint

  Date:08/25/2024

  Type:Delivery 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 April 30th, 2024 I called customer service asking when I would be receiving my replacement card as mine would be expiring May 2024. The representative told me to not worry and that it was already in the way, I called two more times towards the end of May because I had not received my card. I was told I either had to pay $50 to receive a new card or wait 7-10 business days. I chose to wait 7-10 business days, because I had no way to deposit or withdraw money from my account because my card expired on June 1st. I called again after June 1st and not being able to access money from my bank and was told the same exact thing. I then reached out to the branch local to where I lived when I had opened this account in high school and was told everything was taken care of and I also agreed to open a freestyle account. Since then I did receive a temporary card that expired before I ever received my permanent card in the mail. I then reached out again via email on August 9th, 2024 to see if the card could be sent to my mothers address since she is much more local to the bank. It is currently August 25, ****************************************************************************** April of 2024. Since then, I have been unable to access all of my funds or deposit funds from my paycheck before the temp card/after the temporary card expired. I dont have the ability to go in person whenever there is an issue with my bank because I am out of state for graduate school. I check my mail several times a week and have only received bank statement after bank statement every other week, that are charged as $4 each to my account. I opened this bank account when I was in high school and I thought that trusting customer service and customer support to resolve my issue was the answer to this. If youre in college or travel by any means, this bank is not for you. I can get charged several times a month for a printed statement but cannot receive a simple replacement card in the same mail.

  Business Response

  Date: 09/06/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau
  (BBB) on August 25, 2024, regarding your checking accounts at ******************************************* ********************
  (FNB).

  
  We have reviewed the details of your complaint regarding your debit card. On June 17, 2024, you called
  the ****************** to inquire if the Overdraft fees that were assessed to your account ending in
  4515 could be refunded as a courtesy. ***** ***** of the ***************** called you back in response
  to your request, and you advised that you could not deposit funds because you did not receive a new
  debit card in the mail when your existing debit card expired. Ms. ***** assisted you by opening a new
  account ending in 1067 per your request that would be designated for bill payments and sent your new
  debit cards to your Tennessee residence by way of overnight mail. Ms. ***** further confirmed that, as a
  courtesy, $70.00 was credited to your account for the Overdraft fees.

  
  You contacted Ms. ***** again on August 9, 2024, and advised that you had not received the permanent
  debit card for your account ending in 4515 in the mail and requested for a new one to be mailed to your
  mothers residence. A new permanent debit card was mailed to the address that you provided to the
  *****************. On August 25, 2024, you advised the ***************** that you had not yet
  received your permanent debit card for account ending in 4515 and that your mother would visit that
  location to bring the account to a $0.00 balance and close it on your behalf. On August 27, 2024, your
  checking account ending in 4515 was closed. The *** ************** did not receive any further calls
  from you after June 17, 2024, regarding the mailing of your debit card, and the ***************** has
  had no additional contact from you other than on the aforementioned dates.  

  
  Please note that a $3.95 statement fee is assessed to your checking account each month that you
  receive paper statements per the enclosed Consumer Fee Schedule. If you would like to avoid this fee
  moving forward, you may select to receive Online Statements in Online Banking.

  
  Beginning on August 26, 2024, I attempted to contact you via phone to discuss your concerns and
  confirm whether you have received your permanent debit card for your account ending in 1067. I was
  unable to successfully reach you and left voicemails. If you need any further assistance with your debit
  card or your account, please contact the ***************** at ************.

  
  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

  Customer Answer

  Date: 09/06/2024

  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.
  
  I did not receive a call nor do I receive a voicemail from you. This information is incredibly inaccurate and Im extremely disappointed as the effort was not even made to contact me via cell. I will be closing BOTH accounts as I cannot do business with a company that does not rectify issues as serious as this. 
  
  Regards,
  
  ****** D. *********

  Business Response

  Date: 09/25/2024

  Please accept this letter in response to the rebuttal that we received from the Better Business Bureau 
  (BBB) on September 11, 2024, regarding your checking accounts at ******************************************* Bank of Pennsylvania 
  (FNB).

  
  As stated in our previous written response to your initial complaint dated September 6, 2024, I 
  attempted to reach you via phone to further discuss your concerns beginning on August 26, 2024. In 
  response to your rebuttal, I again attempted to contact you at your phone number on file, which is 
  ************. I was unable to successfully reach you or leave a voicemail on September 12 and 
  September 13, 2024, because your voicemail was full. I tried to reach you at the same phone number 
  again on September 17, 2024, and left you a voicemail message.

  
  Your checking account ending in 1067 was closed on September 11, 2024, when your mother visited the 
  Canonsburg Office on your behalf. A copy of your final statement is enclosed for your reference. 

  
  Sincerely,

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

• Initial Complaint

  Date:08/22/2024

  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 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

  Date: 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

  Date:08/14/2024

  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.

  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

  Date: 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 Answer

  Date: 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

  Date:08/07/2024

  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.

  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

  Date: 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

  Date:08/05/2024

  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 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

  Date: 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

  Date:08/04/2024

  Type:Sales and Advertising 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 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

  Date: 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

  Date:07/30/2024

  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.

  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

  Date: 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

  Date:07/19/2024

  Type:Product 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.

  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

  Date: 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 Answer

  Date: 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

  Date:07/16/2024

  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 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

  Date: 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