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:04/04/2024

  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.

  I purchased a car through a dealership. They provided financing through First National Bank. In less than 1 year, they have demanded now for the fourth time proof that the car is insured. I have provided this to them three times in the past. It seems that every time I give it to them, they wait a couple months, and then claim they don't have it. This is ridiculous. My husband and I have had a dozen car loans, and we have never run into a company so incompetent that they keep losing the documentation we have provided them.

  Business Response

  Date: 04/19/2024

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

  
  We have reviewed the details of your complaint regarding your Force Placed Insurance (FPI) 
  notifications. On April 3, 2024, Contact Center Manager Gregg L******* contacted you via phone 
  regarding your previous complaint you submitted to FNB via email on March 26, 2024. Mr. L******* 
  explained that the identification cards you previously provided to FNB were not sufficient proof of 
  coverage and your insurance carrier was previously using an incorrect lienholder address, which has 
  since been updated. Mr. L******* also advised that there may be delays between the effective dates of 
  your insurance coverage and when FNB may be notified of your current insurance policy, which can 
  cause you to receive FPI notifications.

  
  On March 26, 2024, the FNB Insurance department contacted your insurance carrier, who confirmed 
  that your current insurance policy is valid through September 21, 2024. As of the date of this letter, your 
  insurance coverage is current and FNB has not purchased any FPI for your auto loan.

  
  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: 04/19/2024

  
  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, despite the inaccuracies contained in the letter.
  
  Regards,
  ******** ********

• Initial Complaint

  Date:03/06/2024

  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.

  A teller from your Brentwood branch in pa messed up my auto loan payment and I’ve been behind for months I have money to fix the problem but nodody can seem to fix it so I’d like someone to fix the issue that nobody in your company can seem to fix

  Business Response

  Date: 03/20/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on 
  March 6, 2024, regarding your auto loan at First National Bank of Pennsylvania (FNB).

  
  We have reviewed the details of your complaint regarding your payment history. Pursuant to the enclosed note 
  that you signed on July 23, 2022, beginning on September 6, 2022, your monthly payments in the amount of 
  $513.37 are due on the sixth day of each month. You enrolled in automatic recurring payments to debit your 
  monthly payment from your checking account at another financial institution on August 16, 2022.

  
  Your automatic payment that was debited from your checking account on December 6, 2023, was returned 
  because of insufficient funds. The enclosed notification was provided to you on December 11, 2023, to advise you 
  of the returned payment. On January 4, 2024, the Loan Adjustments department contacted you via phone 
  regarding your past due payment. The Loan Adjustor you spoke with advised you that your loan was past due 
  because of the returned payment.

  
  You did not make your December 2023 payment until January 8, 2024. Your loan is now current because you made 
  your February 2024 payment on March 6, 2024, and your March 2024 payment on March 11, 2024. Enclosed for 
  your reference is a copy of your payment history. As of the date of this letter, your next payment is due on April 6, 
  2024. This payment will be automatically debited from your external checking account ending in ****, per your 
  request to change your debited account, which FNB completed on December 27, 2023.

  
  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,

  
  Deborah V************
  Market Manager
  Pittsburgh Region
  First National Bank

• Initial Complaint

  Date:03/05/2024

  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.

  I contacted the chat feature on my app today. The person helping was less than helpful. Refused to give me her ID and all people helping in the chat have one. She did not help me with my issue and kept repeating . I escalated this for you. No more information as to WHO is was escalated to or anything. I am so sick of the customer service being sub par. You didn’t even do a full investigation when I had fraud on my account. Once I am finished getting my account back to normal. I am taking my banking elsewhere and warning anyone else I can. This is ridiculous. Your online and 1-800 number features are pointless!!! Just reverse the over draft fee. This is the 3rd time now you’ve done it and shouldn’t have! This happened today.

  Customer Answer

  Date: 03/12/2024

  Second email:  

  This fee clearly shows a negative balance and fee charged
  ******
  
  -------------------------------------------------------------------------------------------------

  First email:

  
  I have contacted their email- chat and phone and they will not listen to what I am telling them . I checked my account all weekend and you can see my account never went negative, yet they are charging a fee. What’s the point of online banking if it’s not in real time and accurate? I thought it was a business day for transactions?

  Business Response

  Date: 03/19/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on March 5, 2024, regarding your checking account at First National Bank of Pennsylvania (FNB). 
  We have reviewed the details of your complaint regarding the Overdraft fees (OD fees) assessed to your account. On February 20, 2024, your ending balance for your checking account was $1.88. To determine your available balance, we take your ending balance from the prior business day plus or minus any preauthorized debits or available credits. Your available balance to pay items on February 21, 2024, was $1.88. From your available balance, your account was presented with two (2) items totaling $33.69. The OD fees assessed to your account were caused by these two transactions. 

  
  On February 29, 2024, your ending balance for your checking account was $295.91. No further transaction activity posted to your account until March 4, 2024. Your available balance to pay items on that day was $163.83, because of a pending debit card transaction in the amount of $132.08. From your available balance, your account was presented with nine (9) items totaling $172.38. The OD fees assessed to your account on March 5, 2024, were caused by the following transaction amounts: $8.54 and $8.54. 

  
  On March 11, 2024, you spoke with Melissa B********, Branch Manager of the Queen Street Office regarding the OD fees. Ms. B******** advised what account activity caused the fees and that a one-time courtesy refund in the amount of $140.00 would be issued to your account that day. Please keep in mind that going forward, no fees will be refunded to your account unless they are a result of bank error. A copy of your recent transaction activity is enclosed for your reference. 

  
  After speaking with Ms. B********, you elected to opt out of Optional Overdraft Services that same day. Per the enclosed portion of the Deposit Account Agreement (DAA), provided at account opening, if you are opted out and attempt to make a one-time debit card transaction with insufficient funds, the transaction will be declined. Please note that checks, automated clearing house (ACH) transactions, automatic bill payments and account fees will post in accordance with the DAA. 

  
  I also recommend reviewing our Financial Insights video about managing your checking account. The enclosed instructions will help to locate this and other helpful videos to manage your account and increase your financial management knowledge. 
  
  We apologize that you were dissatisfied with your Online Chat session and hope this response to your complaint meets your satisfaction. We have used your Online Chat experience as a coaching opportunity for our employees to ensure FNB continues to provide an exceptional customer experience. 

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

  
  

  Customer Answer

  Date: 03/19/2024

  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.
   
  

  Even with the attached document and the two charges of 8.84- it shows it coming out of a positive balance and leaving a positive amount after on 3/4/24. Never a negative balance which would incur a fee. So it was a bank error and I shouldn’t have to go to these lengths to show it. I did speak with Melissa and the opt on and opt out are irrelevant to this case specifically. As I said to her that day, she wasn’t listening to me. I was disputing a charge. Thank you for a well written response with no true facts or information or apology. 
  Regards,
  
  ****** *****

• Initial Complaint

  Date:02/21/2024

  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.

  Case # *****************-FIRST NATIONAL BANK- Dated 10.20.23 I was a victim of check fraud and had $8930.00 taken that was going to Jordan Tax Services. We believe the check was taken from a lock box outside the post office. When the check was posted I reconciled it as the check I wrote for the taxes not verifying the digital image online. In this case I knew it was my tax check and did not think twice about checking. (lesson learned) I received a new tax bill a month later stating I needed to pay my bill, knowing I paid it I went to the bank to get the copy, only to realize that it was altered. I closed this account because the same person tried to cash a copied check for $9000 that I had caught.I called the customer service number at First National Bank, and they reimbursed me for the $9000, but refused to give me back the altered tax check after 110 days waiting for them to research sighting their disclosure documents and I did not “report it in a timely manner” (what is considered a timely manner?) The disclosure doc reads “(NOTE: you generally have 30 days to report unauthorized activity to us”) Generally is a vague term. They reimbursed the first check knowing it was the same person. This check was cashed at Chase bank. To date Chase has not responded to FNB request for details. I did everything I could to help them, I filed a case with their fraud dept., filed a police report, filed a case with the Postmaster General and will press charges if needed. Do banks have insurance for these types of issues? YES, yes they do. The bank’s cust. serv. was non-responsive, you cannot even talk to their fraud dept. only through email at the branch location. I caution anyone thinking of banking with institutions that do not work for your best interest to think twice. Check fraud and mailbox tampering is very common today, so choose wisely and ask all the right questions in advance of how they handle such issues. I am out $8930.00. I would like them to do the right thing

  Business Response

  Date: 03/06/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau (BBB) on February 21, 2024, regarding your checking account at First National Bank of Pennsylvania (FNB). 

  
  We have reviewed the details of your complaint regarding your check dispute claim. On August 22, 2023, check #1009 posted to your checking account in the amount of $8,930.08. You visited the Robinson Township Office on October 20, 2023, and reported that this check was altered. The employee who assisted you filed a dispute on your behalf. 

  
  The FNB Fraud department contacted the financial institution that cashed the check in an effort to recoup the funds on your behalf on October 24, 2023. On January 29, 2024, the claim was declined by the other financial institution. Pursuant to the Deposit Account Agreement provided at account opening and enclosed for your reference, if you identify an alteration to a check that you wrote, you must notify FNB within thirty (30) days of the day the statement containing the altered check is made available to you. Because the enclosed statement containing check #1009 was provided to you on September 6, 2023, and you notified FNB after the 30-day timeframe, the funds will not be credited back to you. 

  
  We hope this response to your complaint meets your satisfaction. 

  
  Sincerely, 
  
  Gerard G******* 
  Market Manager Pittsburgh Region First National Bank 
  

  
  

  Customer Answer

  Date: 03/19/2024

  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.
  
  FNB did send a response but I am not happy with their response. 

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

• Initial Complaint

  Date:02/18/2024

  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.

  National Fuel hit me with a 14 dollar chargeback since FNB bank did not let my payment go through even though i had money in my bank. Last year i got fired from work and i called National Fuel before my payment was due for a hold and the person forgot to turn off auto pay. I had to get the Utility Commission involved and my bank was suppose to only stop that one payment since the Union was getting my job back, once i got my job back i had money to pay for bills. Dec and Jan payments went through no issue but Feb got a chargeback from my Bank. I work at ***** in Meadville PA. None of this would have happened if i was not targeted and fired without legit reason. The bank knew i was getting my job back. This is on First National Bank and *****. National Fuel is charging the $14 dollars for the chargeback. I am not to blame. I want the chargeback dropped since i should not have to pay it, my bank missed up. I do not want any money nor any punishment on National Fuel or my bank and only want the chargeback dropped. My National Fuel bill should be at zero since i paid the bill.

  Business Response

  Date: 03/03/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on February 18, 2024, regarding your checking account at First National Bank of Pennsylvania 
  (FNB).

  
  We have reviewed the details of your complaint regarding your stop payment. On November 6, 2023, 
  you called the FNB Contact Center to request a stop payment, and the Contact Center Representative 
  (CCR) who assisted you placed a stop payment on your recurring transactions to National Fuel Gas. On 
  November 8, 2023, Branch Manager Margaret Kreiling informed you that the $37.00 stop payment fee 
  that was assessed to your account was refunded as a courtesy upon your request. 

  
  On February 16, 2024, you called the FNB Contact Center again to inquire about a transaction with 
  National Fuel Gas. The CCR who assisted you stated that you had an active stop payment for this 
  merchant, and that you may visit any FNB office location to request removal of this stop payment and 
  sign the required paperwork. 

  
  Although the $14.00 fee was not assessed directly by FNB, your checking account was credited on March 
  1, 2024, as a courtesy for this expense. Please keep in mind that going forward, no further stop payment 
  fees, or other fees you may be assessed regarding this transaction, will be refunded to your account 
  unless they are a result of bank error.

  
  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,

  
  Allan K*******
  Market Manager
  Northwest Region
  First National Bank

  Customer Answer

  Date: 03/04/2024

  
  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:01/25/2024

  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 zelle says no eligible accounts called 3 times went into branch noone knows wgat thet are doing

  Business Response

  Date: 02/05/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on January 26, 2024, regarding your checking account at First National Bank of Pennsylvania 
  (FNB). 

  
  We have reviewed the details of your complaint regarding your Zelle® profile in Mobile Banking. On 
  November 1, 2023, you attempted to make a $400.00 Zelle transaction from your checking account. 
  Because your checking account had insufficient funds at the time, your Zelle profile was suspended. An 
  email notification was provided to you the same day that stated the transaction could not be completed 
  and your profile was suspended. 

  
  You called the Contact Center on January 25, 2024, and spoke with a Contact Center Representative 
  (CCR) who processed a request to remove the suspension from your profile. The suspension was lifted 
  on January 29, 2024. As of the date of this letter your Zelle profile is active. 
  We hope this response to your complaint meets your satisfaction.

  
  Sincerely, 

  
  Gerard G******* 
  Market Manager
  Pittsburgh Market
  First National Bank

• Initial Complaint

  Date:01/23/2024

  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.

  Hi my name is ****** ******. I’m reaching out again about first national bank. I requested to have my car payment skipped due to hardships of Christmas with kids and not only that prices of food and clothing is outrageous! They ignored me completely. Sent me letters threatening me about my payment I did not pay. They had a lady call me one time, she left a crappy voicemail. They are all miserable people in the loan department. Due to a DEATH in my family I am requesting a deferral for 2 of my car payments. This is ALOUD with car loans. If they do not do this for me I will be getting a lawyer. This bank sent me my car title without me paying off my car! They are a terrible bank company. I would never suggest them to anybody!

  Business Response

  Date: 02/06/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on January 23, 2024, regarding your auto loan at First National Bank of Pennsylvania (FNB).

  
  We have reviewed the details of your complaint regarding your payments. Pursuant to the enclosed note 
  that you signed on July 1, 2022, beginning on August 1, 2022, your monthly payments in the amount of 
  $859.60 are due on the first day of each month. On August 31, 2022, your due date was changed to the 
  twenty-first day of each month per your request. The note further states that if you do not make timely 
  payments, you will be in default.

  
  Beginning on December 21, 2023, the Loan Adjustments department attempted to contact you via phone in 
  response to your BBB correspondence dated December 14, 2023, in which you requested an extension due 
  to the holiday season. However, the supervisor was unable to reach you and left three (3) voicemails for 
  you to call her back. The Loan Adjustments department did not receive any further correspondence from 
  you regarding additional extension requests.

  
  As of the date of this letter, your payment that was due on January 21, 2024, is currently past due. We 
  encourage you to contact the Loan Adjustments department as soon as possible at ###-###-#### to discuss 
  your loan status and available payment options. A copy of your payment history is enclosed for your 
  reference.

  
  We hope this response to your complaint meets your satisfaction. 

  
  Sincerely,

  
  Loan Servicing
  First National Bank

  Customer Answer

  Date: 02/06/2024

  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.  I received one phone call and nothing else from this bank. My father passed at the end of December and I was unable to call them back. They continually have excuses for their banks crap behavior.
  Regards,
  
  ****** ******

• Initial Complaint

  Date:01/21/2024

  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 called my mortgage company, as I have done for the last 8 months to pay my mortgage as I routinely do. A representative named Eileen, hurriedly asked for my name and account number, did not verify any of my personal information for security purposes and proceeded to tell my my mortgage went up $800 and I needed to pay it. Turns out, Eileen had me pay another couple's monthly mortgage. She told me it was my escrow and this was my permanent payment and rushed me off the phone. I felt uncomfortable, called back, and confirmed Eileen was incorrect and my mortgage was still due. I spoke with an Eric, and their manager George who confirmed that the payment was stopped and money returned. It is nearly month later and those people's mortgage and mine is still reflecting in my bank account. I AM FURIOUS at this lack of carelessness and privacy. I have called my bank to report this fraud. FNB is claiming they don't see the couple's mortgage, but I have the reference number and proof this occurred, not to mention being deducted over $5000.

  Business Response

  Date: 02/02/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on January 22, 2024, regarding your mortgage loan at First National Bank of Pennsylvania (FNB).

  
  We have reviewed the details of your complaint regarding your mortgage payment. On January 22, 2024, 
  George S***, Supervisor of Mortgage Servicing, contacted you via phone regarding the payment that you 
  made on January 2, 2024. Mr. S*** advised that the Mortgage Servicing Representative who assisted you 
  that day inadvertently provided you with the incorrect monthly payment amount of $2,919.26, which was 
  for a different loan in which you are not the borrower. As a result, the payment that you made over the 
  phone was not applied to your loan. Mr. S*** confirmed with you that the payment will be reversed, and 
  you will be mailed a refund check once the reversal is complete. 

  
  On January 26, 2024, a refund check in the amount of $2,919.26 was mailed to your address on file. FNB 
  takes the privacy and security of our clients seriously. Your information was in no way compromised, and 
  there has been no evidence of fraud. We apologize for any inconvenience this may have caused and have 
  used your experience as a coaching opportunity to ensure that FNB provides an exceptional customer 
  experience.

  
  Sincerely,

  
  Dana B******
  Mortgage Compliance Officer
  First National Bank

  Customer Answer

  Date: 02/13/2024

  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.
  
  The business sent me 2 overnight letters erroneously responding to my complaint as they continued to make errors on my account. The sent a refund check, called me days later to say it was a mistake and to destroy the check once I received it. They took nearly $6K from my account and did not return it or notify me that they made an error until I noticed the money was never refunded. It was only when I contacted my financial institution and reported the charge as unauthorized that the money was returned to me.
  
  i am still very leary of this loan servicer and this repeated clerical errors.

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

• Initial Complaint

  Date:01/11/2024

  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 WAS A COSIGNER ON A LOAN FOR A 2014 FORD ESCAPE WITH **** **** ***** ,IT WAS IN AN ACCIDENT ON OCTOBER 21ST WITH A TOTAL LOSS. PROGRESSIVE INSURANCE PAID FIRST NATIONAL BANK WHAT THE REMAINING BALANCE. ON THEIR WEBSITE THEY QUOTED A ZERO BALANCE, WITHOUT ANY NOTICE OF ANY BALANCE DUE I THOUGHT THE LOAN PAID IN FULL. I GOT A NOTIFACTION FROM CREDIT KARMA THAT I HAD A REMAINING BALANCE OF $22 AND LOWERED MINE AND ****S CREDIT SCORE. I BELIEVE THEY SHOULD HAVE SENT A NOTICE TO ONE OF US . NO LETTER,NO EMAIL OR PHONE CALL. HOW EVER ANY TIME THE LOAN WASNOT PAID BEFORE THE LOAN WENT IN DEFAULT I RECIVRD A LETTER AND ALSO A PHONE CALL

  Business Response

  Date: 01/25/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on January 9, 2024, regarding your auto loan at First National Bank of Pennsylvania (FNB).

  
  We have reviewed the details of your complaint regarding your loan payoff. On November 3, 2023, your 
  insurance carrier, Progressive, requested a payoff quote on your behalf for your loan. FNB provided a 
  payoff quote in the amount of $7,645.04 to Progressive, which was valid through November 13, 2023. 
  The payoff also included the per diem, or one day’s interest, of $1.45 that would be added to the payoff 
  amount every day after November 13, 2023. FNB also sent a Letter of Guarantee dated November 3, 
  2023, providing them with the payoff amount and the instructions of where to send the payoff. A copy 
  of the payoff and Letter of Guarantee provided to Progressive are enclosed for your reference. 

  
  On November 21, 2023, you contacted the FNB Loan Adjustments department to inquire about the 
  status of your payoff. You advised the Loan Adjustor who assisted you that your insurance company 
  mailed the payoff the week prior, and the Loan Adjustor confirmed that it had not yet been received.
  On November 24, 2023, FNB received a check in the amount of $7,645.04. Because the payment was 
  received eleven (11) days past the quoted payoff date of November 13, 2023, a balance was still 
  outstanding on the loan.

  
  After carefully reviewing your complaint, FNB has determined that the loan payoff was not sent in time 
  by Progressive to satisfy the full balance of the loan. Because you were unaware of the payoff being 
  short, FNB has updated the credit reporting for all signers on the account and removed any late 
  payments reported. Please allow up to 30 days for this to reflect on your credit report.
  We hope this response to your complaint meets your satisfaction. 

  
  Sincerely, 
  Loan Servicing

• Initial Complaint

  Date:01/05/2024

  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.

  1/5/24 FNB: First National Bank 4140 E. State Street Hermitage, PA 16148 ****** ***** **** ****** ***** **** ****** ***** ********** ** ***** ******* **** * ********** RE Formal Complaint for Predatory Fees / Failure to Close Business Account I sent $949.49 out of my FNB account on 12/29; when I sent this all funds were available, and this zeroed out the account. However, the transaction didn’t post until 1/2/24. When I logged in today, the account was at a negative $80 [not because of my wire] but because of your $29 predatory fee and then I was charged a $35 overdraft charge with two additional overdraft charges of $8. Please see the screenshot below. The CFPB prohibits predatory fees in banking. Please see attached publication from the White House. I’m filing a formal complaint with the CFPB and the Better Business Bureau. I know that your bank will do the right thing and reverse these predatory fees of $80 and correctly close out the account. Keep in mind, Bank of America [a much larger and more profitable bank] only charges $16 per month for a fee for a business fundamentals account and there are multiple ways to avoid that fee. Additionally, since 2023, they’ve reduced their overdraft fees from $35 to $10 due to recent inspection with regulators. ****** ***** __________________ ****** ***** ###-###-#### *******@*****.com

  Business Response

  Date: 01/19/2024

  Please accept this letter in response to the complaint that we received from the Consumer Financial 
  Protection Bureau (CFPB) on January 5, 2024, regarding your business checking account at First National 
  Bank of Pennsylvania (FNB).

  
  We have reviewed the details of your complaint regarding the fees assessed to your account. Pursuant to 
  the Business Fee Schedule provided at account opening and enclosed for your reference, your Compak 
  Business Checking account is assessed a $29.00 monthly service fee at the end of each statement cycle if 
  you do not maintain a minimum daily balance of $1,500.00 or an average daily balance of $5,000.00 during 
  the preceding month. You initiated an external transfer via Online Banking on December 29, 2023, in the 
  amount of $949.59. That same day, your account was assessed a $29.00 monthly service fee because you 
  did not meet either of the balance requirements per the enclosed statement that was provided to you.

  
  When your $949.59 external transfer posted to your account on January 2, 2024, your account was left with 
  a balance of negative $29.00. The $35.00 Overdraft fee (OD fee) that was assessed to your account on 
  January 3, 2024, was caused by this transaction. Per the Business Fee Schedule, your account was also 
  assessed an $8.00 Continuous Overdraft fee (COD fee) each day between January 3 and January 5, 2024. A 
  copy of your transaction history is enclosed for your reference.

  
  On January 8, 2024, a one-time courtesy totaling $88.00 was credited to your account, which consists of the 
  $29.00 monthly service fee, $35.00 OD fee, and $24.00 in COD fees. On January 12, 2024, your account was 
  closed per your request in your complaint.

  
  We hope this response to your complaint meets your satisfaction.

  
  Sincerely,

  
  Jill K*****
  Market Manager
  Charlotte Region
  First National Bank

  Customer Answer

  Date: 01/19/2024

  
  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,
  
  ****** *****