| 09/26/2022 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I am writing CFPB because I need assistance with a devastating situation with XXXX XXXXXXXX XXXX ( XXXX ) which resulted in a considerable loss of funds, including my XXXX money deposit ( XXXX ), increased mortgage payment and temporary housing costs to name a few. It also caused stress and XXXX which I can not put a price on.
On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consultant at XXXX ( XXXX ID : XXXX ) to receive a prequalification for a home we were interested in purchasing. I informed XXXX that we had {$100000.00} cash towards the deposit. On the same day, XXXX informed me that the best product XXXX could offer was for a 90 % loan. I completed the online application and received a prequalification letter for a Jumbo Portfolio Fixed Rate Loan with an interest rate of XXXX XXXX I was shocked and delighted to receive a XXXX XXXX interest rate which was unheard of at the time. I contacted my preferred lender at XXXX XXXX who informed that I had an excellent rate that he could not match. He was shocked the bank could offer such a low rate. The prequalification letter was for a purchase price of {$930000.00}, loan amount of XXXX, down payment of {$98000.00} and estimated monthly payment of {$4900.00}. Later I received a loan estimate with a monthly payment estimated at {$5000.00} On XX/XX/XXXX, I informed XXXX that I was waiting on the executed contract from the seller and continued to upload documents. On XX/XX/XXXX, XXXX informed me that XXXX had to disclose today, and he needed the sales contract. I was advised to upload the contract I submitted in lieu of a ratified one. On XX/XX/XXXX, I uploaded the executed sales contract to XXXX client portal.
REQUEST TO COMPLETE AN AMENDED TAX RETURN On XX/XX/XXXX, XXXX informed me that, after reviewing my tax documents, he noticed XXXX of my investment properties did not appear on my XXXX tax return but was on my XXXX tax return. XXXX advised me to complete an amended return so the income, which amounted to about {$25000.00}, could be counted towards my debt-to-income ratio. I was shocked by my XXXX XXXX egregious error as I have worked with him for XXXX years. I received several emails and phone calls from XXXX regarding the status of the amended returns. The first was on XX/XX/XXXX, where XXXX states he would need a copy of the amended tax returns as well as confirmation from the IRS that the file was received.
On XX/XX/XXXX, XXXX reached out again to check on the status of the amended tax return stating, I know the underwriter is going to ask about it. Later that day, XXXX sent an email stating, So the underwriter is giving us 72 hours to fix the issues, first the lack of rent on the investment property ( my tenant of XXXX XXXX was in the process of renewing their lease at a higher rent rate which XXXX was aware of ), second the status of the existing home ( I asked XXXX if we could qualify if we leased vs sold our home which he said we could lease the home if we could provide a XXXX lease ) and third the status of whatever the tax person is getting done. I informed XXXX that I was on the phone with my XXXX when he responded on XX/XX/XXXX, stating please let me know asap on the current home being rented, I am concerned we have waited too long to get the tax issue resolved, with the current tax ratios are over 50 %. I believe the ratios were 51-55 % at that time. I was also informed via phone that I would also have to pay the past due taxes before my loan would be approved. I asked why I was just now receiving this information. XXXX stated he was providing updates as he received them from underwriting. I called XXXX to inform him that his calls/emails about the amended tax returns were causing me stress. It took 4-5 days to get the amended returns. I had 5-6 calls/emails regarding the amended returns, some with XXXX panicking. I advised XXXX that his stress caused me to stress and asked him not to call me with panic but with solutions. On XX/XX/XXXX, t I uploaded the amended returns to the client portal. I then asked XXXX how long it would take to receive the loan approval. On XX/XX/XXXX, XXXX responded, it should just take a couple of days.
On XX/XX/XXXX, I receive an email from XXXX titled, XXXX XXXX. The subject read, Hi the head of underwriting just called me and said we cant accept an amended return to qualify. Please call. I was in complete shock! XXXX did not offer any solutions which was disappointing. I then offered a few solutions : 1. I reminded XXXX about my new job offer and asked if I could qualify with the new salary 2. I asked if the seller/developer lowered the price of the home could I qualify and asked the amount I would qualify for 3. I asked if my fianc could be added to the loan as we live together. I also asked XXXX why underwriting asked for the amended tax return on multiple occasions if I they would not accept them. I did not receive a response.
On XX/XX/XXXX, I shared the offer later prior to negotiations. XXXX informed me that the salary, plus a lease of {$3100.00} on our current home and a reduction of {$50000.00} on the loan would allow me to qualify.
XXXX XXXX I contacted XXXX manager who was dismissive. As a result, I contacted the regional VP XXXX XXXX XXXX on XX/XX/XXXX and shared my story. He informed me that XXXX does not accept amended returns to qualify a loan. He further stated that no bank does. The reason being if the customer does not get approved, the bank could be liable for paying the customers IRS bill as they advised them to submit the amended return to qualify. He asked for all the documentation and said he would research my situation.
On XX/XX/XXXX, my fianc started an application. He was told that his mortgage lates ( XXXX ) which were a result of his divorce, would not put in a position to help us qualify for a loan. He and I have similar salaries and somewhat similar credit scores. This was surprising as he was approved for a conventional loan. In all fairness, I was told by a different loan XXXX that jumbo loans are harder to get approved.
On XX/XX/XXXX, I informed XXXX that we were going to receive an application for the full lease amount of {$3300.00} for our current residence. I later asked for a new ratio calculation. I then shared my executed job offer with XXXX XXXX. On XX/XX/XXXX XXXX XXXX congratulated me on the offer and said he needed to contact XXXX to determine what the new ratios would be at the higher base salary. Once I have that information, I can request a ratio exception. Let me connect with XXXX and we will advise no later than XXXX.
At some point ( I believe it was on XXXX ), I was told that I needed to supply my XXXX tax return to show the rental income for my investment property on my schedule E. Yet another new ask. When I asked about the ratio exception, XXXX XXXX stated he never committed to that even though I have it in writing. He also asked me to show rents received from my investment property. I forward my tenants rental payment history on XXXX from XX/XX/XXXX XX/XX/XXXX. I assume the new lease was not enough and that implied that I was being dishonest. I informed XXXX that I had reached out to my XXXX but wondered why the requirements had changed again. XXXX XXXX also informed me that the rental income from our current residence would not be considered in the qualification process as there is no rental history. Again, this was my first time hearing this! I asked XXXX about this on XX/XX/XXXX. His response, This was presented to me yesterday saying that underwriting would not accept a lease on the departure residence. I again asked why I was receiving this information on XX/XX/XXXX when I am scheduled to close on XX/XX/XXXX. XXXX response was, That is when I thought there would be an exception for the lease. I also again asked why underwriting would not take the amended returns they requested. XXXXXXXX response was, I assumed they would accept it.
LOSS SUMMARY Several assumptions were made that resulted in loan denial. If I had received the correct information sooner, the {$5000.00} XXXX could have been refunded. We also approved a rental application on XX/XX/XXXX as we did not want to put the family in a same situation we were in. We found a new construction home which is $ XXXX less than the previous home and sourced temporary housing until that home is complete. It will cost us {$1000.00} per month ( we hope to only be there 2 months ) and {$200.00} a month for our pod. Our new loan will be at an interest rate of XXXX %, raising our payment by {$880.00} a month or {$10000.00} for the first year and {$21000.00} for the second year until rates decline and we can refinance. This is not a small amount of money!!! It is providing an unnecessary financial hardship on our family!!! Our children were devastated when we broke the news to them. Furthermore, I was berated by the sellers agent who is also a managing partner for the development. We paid {$5000.00} in due diligence fees which I understand is non-refundable, Federal taxes of {$5800.00} and State taxest ( I need to confirm the amount with the XXXX as I dont have an invoice yet but I estimate its under {$2000.00} ).
APPRAISAL On XX/XX/XXXX, I received the appraisal which was at the amount of the purchase price. I had previously asked if the XXXX would go to the value of the home or would they stop at the loan amount. Later that day, XXXX informed me he was a little uncomfortable with their ( the appraisers ) first comp coming in at {$840000.00} as the contract was from XXXX XXXX XXXX, the XXXX should have done a time value adjustment. I asked if we should challenge the appraisal because they did not do the time value adjustment. XXXX informed me that he needed, the review XXXX to review it, I sent him a message questioning the lack of time adjustments. I thanked XXXX because I wanted to know the true value of the home. I asked XXXX XXXX about the time value adjustment. He was not aware of the term.
I have email correspondence between myself and XXXX that I can share. Note that these examples do not reflect the many emails and phone calls that I had with XXXX. During this time, I was extremely stressed which caused me to become XXXX. The seller/developer accused me of having buyer 's remorse and was extremely unpleasant during the process as I detailed the situation with XXXX and kindly asked that they consider refunding our XXXX money deposit. What is especially disheartening is that I did not receive further communication from the XXXX team. Simply a link to download the loan denial which referenced they would not accept an amended return. I do hope that you review our situation with empathy. Our hope is to recoup funds loss during this devastating process. Again, you can not place a dollar amount on the stress our family endured. I just hope no other family has a similar process.
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| 09/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Confusing or missing disclosures
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Web |
Older American |
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CFPB Complaint : I requested and filed an international remittance transfer on XX/XX/XXXX.
The transfer was made from my personal account at First National Bank of Pennsylvania ( XXXX ) to a personal account with XXXX XXXX in the amount of {$4000.00}. On XX/XX/XXXX we came to learn that the wire request and pretenses supporting it were FRAUDULENT. The wire deposit was intended to secure a reservation at a XXXX property in XXXX from XXXX XXXX.
Upon learning that the reservation was made under false pretenses and we were defrauded of {$4000.00} USD I contacted my bank verbally in person that made the remittance transfer and was told by XXXX XXXX, the assistant bank XXXX that nothing could be done about the fraudulent transfer. My verbal in person notification occurred within 60 days of the date when the remittance transfer was debited from my checking account statement.
I subsequently learned that I was misinformed by XXXX XXXX and XXXX does have a fraud department. I immediately notified the XXXX XXXX department on XX/XX/XXXX. I spoke with representative XXXX XXXX and explained all details of the remittance transfer and emailed all relevant copies of the transfer to him. He told me that XXXX would open an investigation into the transfer and request a recall of funds wired to XXXX XXXX based on fraud as the reason. I have all email correspondence with the fraud department to support this complaint. I never received any written or email reply summarizing the outcome of the investigation. Section XXXX of the CFPB requires remittance transfer providers to first provide an initial written estimate of costs to make the remittance transfer. I never received any written estimate of costs by XXXX to make the remittance transfer either prior to or following the transfer.
Upon follow up communications with the XXXX XXXX department I was informed that they had received no reply/response from XXXX Bank XXXX XXXX bank of the fraudulent transfer remittance ). I requested that a second attempt be made to contact XXXX Bank and request a recall of the fraudulently wired funds. I was told by the XXXX XXXX department that an attempt and funds recall was made but I was refused any information or documentation of this second attempt only being told that XXXX Bank did not reply.
On XX/XX/XXXX I made several requests with XXXX to seek documentation regarding the investigation they conducted regarding my fraudulent transfer remittance. I requested this information to verify that XXXX had completed all steps possible to notify XXXX Bank of the fraudulent transfer and request their assistance to recall the transferred funds. If XXXX had in fact notified XXXX Bank of the fraud on XXXX different occasions and requested their cooperation in investigating the fraud, a failure to reply or cooperate makes XXXX Bank uncooperative and deserving of investigation by the XXXX XXXX XXXX Ombudsman XXXX. Again, XXXX informed me that they had done all they could to help me but would provide NO details or documentation of their investigation, recall attempts, or responses from XXXX Bank on my remittance transfer.
I have all copies of emails and other related correspondence with XXXX.
I contend that First National Bank of Pennsylvania is guilty of non-compliance with multiple provisions of Section E of the CFPB covering international remittance transfers and written reporting requirements following an investigation. The XXXX Funds Transfer Act ( XXXX ) section 919 ( g ) ( 2 ) defines remittance transfer as the electronic transfer of funds by a sender in any State to designated recipients located in foreign countries that are initiated by a remittance transfer provider. The CFPB offers protections to consumers who make remittance fund transfers including specific procedures and other requirements for providers to follow in resolving errors.
1005.33a ( 1 ) includes in the definition of error under ( v ) The senders request for documentation required by 1005.31 or for additional information or clarification concerning a remittance transfer.
1005.33b ( 1 ) states that A remittance transfer provider shall comply with the requirements of this section with respect to any oral or written notice of error from a sender that : ( i ) is received by the remittance transfer provider no later than 180 days after the disclose date of availability of the remittance transfer.
1005.33 ( c ) ( 1 ) states that A remittance transfer provider shall investigate promptly and determine whether an error occurred within 90 days of receiving a notice of error. The remittance transfer provider shall report the results to the sender.
1005.33 ( d ) sets the requirements for procedures if the remittance transfer provider determines no error or different error occurred. 33 ( d ) ( 1 ) states The remittance transfer providers report of the results of the investigation shall include a written explanation of the providers findings and shall note the sender 's right to request the documents on which the provider relied in making its determination. The explanation shall also address the specific complaint of the sender. 33 ( d ) ( 2 ) addresses copies of the documentation by writing : Upon the senders request the remittance transfer provider shall promptly provide copies of the documents on which the provider relied in making its error determination.
XXXX has completely refused to provide me with any information or documentation regarding my remittance transfer after being informed that the transfer was made under fraudulent information and pretenses. I never received any written report or explanation regarding the investigation I was told they were conducting. XXXX has also refused my multiple requests for documentation of their communications and recall requests with XXXX Bank. I have been told by XXXX that they have done all they could to help me but would document none of their actions or correspondence. They have told me that I deserve no further information and in fact they have provided none to me.
This complete refusal to be cooperative and assist me in trying to further investigate the fraudulent transfer is difficult to understand. My only conclusion is that no investigation or funds recall ever occurred by XXXX and this is why they repeatedly refuse to share any information with me.
My request for the investigation results and documentation were escalated to both the XXXX XXXX XXXX XXXX, XXXX and chief legal XXXX, XXXX XXXX XXXX. XXXX XXXX restated that the bank owed me no explanation or documentation and warned me against any action against the bank including filing this complaint with the CFPB. I will forward all email communications to and from XXXX XXXX and me as part of this complaint if requested.
The email addresses for XXXX XXXX and XXXX XXXX are noted below : XXXX and XXXX Please let me know if you require any additional information from me to research this complaint. I look forward to receiving your response.
Thank you, XXXX XXXX XXXX
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| 01/01/2021 |
No |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Facts : On XX/XX/XXXX, we closed on a construction loan with First National Bank of Pennsylvania ( FNB ) including a beginning principal amount of {$310000.00} and construction funds amount of {$680000.00}, for a total of {$990000.00} ( see Exhibit A ). It took close to a year to obtain the permits that were needed before we could start construction ( see Exhibit B ) Because of the favorable interest market, we were exploring the possibility of refinancing the construction loan with more favorable terms. On XX/XX/XXXX, we made an inquiry to FNB about the payoff amount ( see Exhibits C1, C2, C3 ). We later learned that because of that inquiry, and without our knowledge, FNB cancelled the construction loan on XX/XX/XXXX ( see Exhibit D ). We were not informed that the construction funding had been cancelled until XX/XX/XXXX, when we inquired about the draw process to start construction ( see Exhibit E ) When we inquired as to why they cancelled the construction funds, we were told by our loan specialist that it was because we requested a payoff statement. We were never informed that requesting a payoff statement would result in the cancellation of the construction funds.
We were always under the impression based on our contract that the construction funds would remain available to us, but after the first twelve months interest only period, we would have to make full amortized payments on the full amount of the loan, which we were willing to do.
We were then told that the construction funds could be reinstated upon request, subject to approval. The process would take around 7 business days, which made it sound like a standard process ( see Exhibit F ).
Two weeks later, we had not heard back from FNB, so we followed up with our loan specialist for an update ( see Exhibit G ). Only then were we told that the funds were permanently cancelled for the following reasons : the 12 months construction period had expired ; we did not request to extend the construction period and the construction had not started ( see Exhibit H ). We did not request to extend the interest only construction period, because we were willing to start making full amortized payments after the initial 12 months.
At that time, we were given the option to refinance into a new construction loan. The bank representative offered to waive some of the bank fees we had already paid with the original construction loan that we were not able to use. In order to waive those fees, the loan had to go through an internal process ( see Exhibit I ). The terms they were offering were also very favorable and it seemed like the natural course of action. We started the process to refinance the loan with a Mortgage Loan Consultant and provided all the information required ( see Exhibit J ). On XX/XX/XXXX, we completed the loan application and loan disclosures ( see Exhibit K ).
We did not hear from the bank for a couple of weeks and we reached out to the Mortgage Loan Consultant several times for an update on the status of the loan, without success.
When we finally heard back from the bank on XX/XX/XXXX, we were informed that our loan application had been denied. The reasons stated on the Notice of Action were as follows ( see Exhibit L ) : Employment Status - Insufficient Stability of Income ( for both applicants ) Other - We do not grant credit to any applicant on the terms and conditions you have requested ( for both applicants ) We believe the reasons stated are invalid. First our income is stable. Co-borrower has been working for the same company for more than 14 years. And although Borrower recently started working for a new company, he has been in the same line of work and same type of industry ( government consulting ) for over 16 years. Second, we did not request any special terms and conditions for the loan. FNB had offered to waived certain fees, which we agreed to.
Our complaint : 1. FNB failed to communicate with us in a timely manner : They cancelled the first loan without notifying us. We only found this out 2.5 months after the fact, when we asked about the draw process.
They did not inform us there was a problem with reinstating the construction funds until we inquired about the status of the process.
Again, they did not inform us that our application for the second construction loan had been denied until we inquired about the status multiple times.
2. FNB acted inappropriately : They cancelled the construction funds on the first loan because we requested a payoff statement, but they never informed us that issuing a payoff statement would cause our loan to be cancelled. Had we known that ; we would not have requested a payoff statement.
The reasons stated by FNB to deny the second loan are invalid. First, as stated above, our income is stable. Second, we did not request any special terms and conditions. The special terms and conditions were offered to us by FNB, we merely agreed to them.
3. FNB mislead us multiple times : They lead us to believe that the construction funds for the first loan could be reinstated in a matter of days. It appeared to be merely an administrative process.
They lead us to believe that our application for the second loan was a very straightforward process. The loan would go through an internal process to take us through closing.
They lead us to believe that they were willing to waive some of the fees we already paid on the first loan that we were unable to use.
Damage caused by FNBs actions and failure to communicate : It delayed our ability to start construction on our project ; It delayed our ability to act promptly to secure new construction funds ( FNB cancelled the construction funds on XX/XX/XXXX ; 5 months later we still dont have the funds to start building ) ; It caused us to seek a new construction loan with another lender and incur unnecessary fees.
It caused us to pay unnecessary interest to FNB while we have to find another way to secure the funds needed to start construction.
The financial damage FNB caused is as follows : 1. Closing costs in the total amount of XXXX, which includes such things as : Origination charges of {$3500.00}, Titles and Settlement fees of {$3700.00}, State recordation tax of {$8600.00}, please see Exhibit A for other charges.
2. Temporary rental expense for six months at {$2100.00} per month is {$13000.00}.
3. Difference in interest cost during construction estimated at {$4800.00}.
4. Difference in monthly payments after construction of {$130.00} per month, or {$15000.00} for the first 10 years.
5. Increase in construction costs as the cost of lumber and material increased due to Covid-19.
6. Cash flow cost since FNB is computing our current loan payments as if the principal balance was {$990000.00}, when in fact the principal balance was reduced to {$310000.00} when they cancelled the construction funds.
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| 01/16/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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This claim is pursuant to the following : COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX As of XX/XX/XXXX, the CFPB issued a response to this complaint indicating that the individual was not an " authorized individual '' on the account. This information is false as the individual has been listed as an authorized user in-person, through loan servicing, and has been the primary point of contact for the duration of the account. XXXX 's reply is a false representation of the client relationship, and the reply is an attempt to ignore the claim.
Furthermore, an agent of the bank called the aforementioned individual on XX/XX/XXXX at XXXX to discuss the matter, stating they needed to verify identity, despite multiple calls and communications that did not require such clearance. Based on the timeline of events, we contend that XXXX received the initial CFPB complaint and decided to cease all efforts to resolve the dispute, in effect retaliating to the initial complaint.
________ INITIAL COMPLAINT In Fall XXXX, we entered discussions with First National Bank of Pennsylvania ( XXXX ) to purchase and renovate a new home. ( Home B ) The mortgage loan officer we worked with advised us to purchase the home with a conventional mortgage ( Loan A ), and to finance the renovation of that home by taking out loans against our current residence at the time. ( Home A ) We were referred to a local branch here in Maryland, where the assistant branch manager, operating as our loan officer, recommended a HELOC ( Loan C ) as well as a consolidation loan ( Loan B ) in order to maximize our loan amount. During the application process, we reviewed our finances and XXXX ratio at length in order to land on the amount to consolidate into " Loan B '' and to confirm how these new payments for " Loans B and C '' would fit into our financial picture ; " XXXX XXXX '' had a fixed payment and " Loan C '' was quoted at a payment amount " NOT TO EXCEED $ XXXX '' making both payments against " Home A '' no more than {$1800.00} per month in total, which we deemed affordable. We entered into the loan agreements ( virtually ) in XXXX of XXXX.
Our first payments were due in XX/XX/XXXX for Loans B and C ; however, by XXXX of XXXX with roughly XXXX of the total loan amount withdrawn, our payment amount for Loan C approached and then exceeded the original $ XXXX. And this time I notified the assistant branch XXXX and asked what happened to our original payment amount, and was told they would look into it, but nothing resulted from that. I continued to make payments but inquire about the ballooning loan amount, and was offered solutions ( Exercising the lock option on the HELOC ; refinancing ) in order to get the payments back to what we were expecting ; but ABSOLUTELY NO reference or resolution to what went wrong in the first place.
Over the course of the next 6 months or so the following transpired : ( XXXX ) The lock option was never instituted ; ( XXXX ) we had an updated ( in-person ) appraisal of " Home A '' in an effort to adjust the loan ratio on the home, which came back lower than the original appraisal ; ( XXXX ) we were offered a refinance consolidation on " Loans B and C '' which would get the payments " around $ XXXX '' that was denied due to derogatory reporting from FNB. ( 4 ) During this lengthy process we were offered payment deferment that could only be applied for " Loan B ; for " Loan C '' the loan officer offered to intercede with loan servicing/loss mitigation on our behalf until the situation was resolved. By XX/XX/XXXX, we were left with ( 1 ) adverse credit reporting, ( 2 ) a denied refinance option by the banks own doing, and ( 3 ) the possibility of foreclosure on " Home A. '' Throughout this process, I had been requesting resolution of the original issue, " the payment exceeding what we were quoted, '' but was unable to speak with anyone in a management or oversight position across departments in the bank, and frequently stalled or redirected to another department. ( mortgage servicing, the branch officers, and loan servicing ) When I inquired if there was a supervisor over the in-branch operations that I could speak to on my behalf, I was told no, but to submit documentation that would be forwarded up the chain. ( correspondence attached ) I received no reply to the original complaint or the subsequent issues I laid out on the correspondence, but was advised to complete a hardship application as yet another solution to get the payments lowered. ( XXXX XXXX ) I continued to try to find a resolution while our hardship package was under review. I finally got a call from a Market Manager in October 2022 with whom I discussed this entire situation at length, where she acknowledged that this was a complex problem with several issues and points of ill-advice. ( She expressed concern regarding the fact that we signed out of office without full disclosure from our loan officer and no notary present ) I submitted the information that she requested, but did not hear back until XXXX XXXX when she shared that she had escalated our situation and was still awaiting reply. In the meanwhile, loan servicing replied with a hardship offer to make the HELOC ( Loan C ) payment XXXX based on our income, but nowhere near the $ XXXX quoted to us, plus resuming the payments for Loan B. We were given conflicting information by which to submit an appeal and payment. We even requested a payoff amount with the option of selling our home -- the loan payoff amounts include the entire principal loan amount, interest for all of XXXX, late fees and additional charges. We also learned that they never filed a lien on Home A ( mishandled by the back office ) Currently, we are still awaiting more information from the market managers escalation ; however, loan servicing is expecting a modification payment by XXXX XXXX. ( They concede that loss mitigation is not able to solve our problem and the solution lies with loan origination. ) Throughout this process, there have been multiple failings across various departments within this financial institution : poor customer service ; a delay in or lack of responsiveness ; incompetence and misleading advice so far as nefarious attempts to sell us additional banking products under the false pretense of remedying an issue. Instead, we ( my family and I ) as consumers have endured undue financial stress and penalty, as well as a loss of time, energy and emotional labor throughout the duration of our relationship with the First National Bank of Pennsylvania.
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| 06/14/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Ok, where do I begin? In XX/XX/XXXX we acquired a mortgage loan from XXXX XXXX XXXX, XXXX NC to finance our rental property a Mobile Home Park, in the amount of {$170000.00}. Then in XX/XX/XXXX we went to XXXX XXXX XXXX for another {$45000.00} for the Mobile Home Park.
We have seen the bank go from XXXX XXXX XXXX to XXXX XXXX XXXX, then to First National Bank Which is where our complaint starts : In XX/XX/XXXX, when First National Bank took over we began to have problems with paying our accounts early. The accounts were due on the XX/XX/XXXX of the month, and I always paid early ( see Attachments ) The First time When I complained to FNB about the charges to my accounts, showing the payments going to principal with no interest to them, and a late charge. XXXX XXXX ( XXXX Office ) with FNB took care of it and said she would contact main office and correct. Ok the second time on XX/XX/XXXX I went back to XXXX XXXX ( XXXX Office ) and she printed it off and said she would get the late charges reversed and show the correct payments, I explained that I always pay early. FNB did not make the adjustments to the interest payments to correct for early payments. And I was told by XXXX XXXX ( XXXX Office ) to wait until the XX/XX/XXXX of each month for the payment to drop before I made the payments, that were due on the XX/XX/XXXX. I reminded FNB when the loans were set up we were told by the loan officer ( XXXX XXXX ) In the XXXX Office at that time, we could pay at any time. Ok here goes the Kicker!!! We were contacted in XX/XX/XXXX by FNB to do a modification to continue our loans, which we have done every 3 years since XX/XX/XXXX. I was contacted by XXXX XXXX ( FNB ) that she was on it. I checked with XXXX every week, since I was in the bank making deposits weekly, always asking where we were. She ( XXXX XXXX ) always replied we just need one more thing. As time went on I was really getting frustrated with how long it was taking.but me being a patient person I had faith. In XX/XX/XXXX I was contacted and ask for our business taxes, which I took into the bank and XXXX XXXX made copies. XXXX XXXX told me she need one more thing, On XX/XX/XXXX I was ask to sign papers Certification of Beneficial Owners of Legal Entities Which I did since I was in the bank weekly. I told XXXX XXXX I could not print off the statements for the 2 accounts, through the internet on their banking website so she supplied me with statements. Then the next week or so she ask for one more thing a copy of my husbands and my driver license which I supplied. Then in XX/XX/XXXX XXXX XXXX ask for our personal taxes, which I told her should not be required, since it was a business modification, however I supplied them on XX/XX/XXXX which she made copies in her office.
Then on or about XX/XX/XXXX I receive a letter that states we regret we are unable to approve your application. This letter was sent to XXXX ( my Husband ) personally and one to me Personally, and one to the business, XXXX XXXX XXXX. I contacted FNB-XXXX XXXX and ask her why? She ( XXXX ) was not concerned, said they must have sent out a form letter, and she assured me we were approved for the modification. She said ( XXXX ) we had excellent credit, had excellent credit scores, excellent history of payments. Then FNB sent out another set of letters on or about XXXX saying the same thing. I called XXXX again, she was to contact main office and take care of it, we were approved not to worry. Then in XX/XX/XXXX XXXX Called and said that they were not approving the modification of the loans. We were Shocked!!!
Then we ask how long we had to arrange a pay off to find financing elsewhere, we were told to keep making payments and we could have 6 months to a year, so we decide best option is to borrow against our home at XXXX XXXX XXXX XXXX for fast and cheepest way to pay off First National Bank. Then we get a call from a different office in of First National Bank in XXXX, NC from a XXXX XXXX, she said we needed to go into FBN, XXXX, NC office and pay a {$500.00} fee and sign papers to get 6 months, we requested ( we never requested 6 months, we were told we had 6 months to a year as long as we kept payments up. So we went to XXXX to see if we could expedite the procedure to save us form dealing with FNB any longer. XXXX said if needed they would do a personal loan, if we needed it quick, but at a rate of 10.6 percent. Plus we found out where we had a portion of the house being remodeled it might take longer to do the house line of equity at 4.6 percent depending on what the house appraised and the current marketability of house at this time.
During this time period of the modification process we were told to continue making our regular payments, which we did and we have printouts showing these payments. Our payments as of XX/XX/XXXX thru XX/XX/XXXX show the payments being made early and no interest to the bank. When I ask XXXX XXXX about the interest I was told they do not collect interest during the modification process. Ok, then I print off a balance to pay off the accounts, one is {$24000.00} and the other is {$15000.00} ( see documents ) and go to the bank to pay off these accounts. They tell me wait a minute we have to collect interest in the amounts of {$1200.00} and {$780.00}. When they print me off a paper it shows these balances with interest. Then the papers also state its Lost Interest ( see Documents ) We just couldnt take any more of these changes being thrown at us, one person telling us one thing the second person different, then the numbers change.
Luckily we had the ability to pull out credit cards and pay them off on the spot. This caused us great grief and concern, especially for others who would not have the ability to use or have good enough credit to as we did.
FNB stopped letting us print off our payment schedule that showed all early payments. ( they actually told us to stop paying early ) We actually still have these print offs and all our records of payment if needed. We absolutely never had problems and could not understand what changed until we looked at what was different, XXXX turned XXXX this year and I had a XXXX 3 years ago, and we are concerned this had more to do with denial of loan, than anything else.
There are two accounts under the mortgages, XXXX and XXXX.
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| 12/23/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XXXX XXXX, XXXX, I logged in to my online banking portal ( First National Bank ) to review my account balance. It was payday, and I was getting ready to pay my next round of bills for the month. I always log in to ensure that my paycheck has been posted to my account ( I had an unfortunate incident occur in years past where my account was 'hacked ' on payday, and drained ). I was surprised to find that I had only {$69.00} in my account. I began to scroll through my " recent transactions '' to determine the cause of my low account balance. Fortunately, I had not been hacked by some mysterious third-party this time ; however, I noticed an inordinate number of overdraft fees and charges. This came as a surprise to me for a number of reasons. My first cause for concern came when I discovered that the first overdraft charge ( for {$74.00} ) was listed for XXXX/XXXX/XXXX ( the Monday, four days prior ). I went on to find overdraft charges totaling {$380.00} XXXX/XXXX/XXXX - {$74.00} XXXX/XXXX/XXXX - {$140.00} XXXX/XXXX/XXXX - {$12.00} XXXX/XXXX/XXXX - {$37.00} XXXX/XXXX/XXXX - {$110.00} The primary reason for my surprise was due my recent login to my online portal on XXXX/XXXX/XXXX ( Tuesday ). On Tuesday I needed to stop for gas, I wanted to check my account to determine how much fuel I could afford using my debit card. When I logged in on this day, my account balance was positive -- I do not recall the precise amount -- it was below {$100.00} ( I think about {$70.00} ). I decided that I would fuel up, but hold off on using my card for the remainder of the week -- until payday ( I did opt to use my debit card two times that week to buy lunch, as I knew the charges would be around {$10.00} -- I purchased a {$4.00} meal at a cafe, and spent {$12.00} at XXXX ).
In reviewing my online banking portal, the dates listed for charges and the actual dates that I used my card are disparate. While I am aware that charges do not always post the moment that my card is used, this lag time in posting is a primary reason my account fell into an over drafted state. The purchases and overdraft fees that begin on XXXX/XXXX/XXXX were not purchases made on that day, and did not appear on my online banking portal until days after XXXX/XXXX/XXXX as noted by my login on Tuesday that revealed no issues with my account. In a climate where banking customers are urged to used online banking for innovations such as " mobile deposit '' and " bill pay '' and the genesis of " mobile wallets, '' I would think a consumer could expect a real time view of transactions. One of the most frustrating aspects of this circumstance was my earnestness in my attempt to be a responsible account holder. I recognize that I do not earn enviable wages, I live from one pay check to the next, and my credit card accounts can attest to these somber facts. Within this awareness, I resolve to check my account regularly, and endeavor to be conscientious in my spending.
On Friday, XXXX/XXXX/XXXX, I contacted my local branch to inquire on my account balance and the overdraft fees. I requested that the majority of the fees be waived, as {$380.00} was a serious financial hardship when my paycheck is {$620.00}. The employee at the branch provided me with XXXXnumber for First National Bank, and relayed that she would email the Market Manager my request. I followed up by calling the XXXX-number and speaking with a representative. The rep told me that I could not make a waiver request via the XXXX-number, that my request should be routed through my local branch manager. I asked for the manager 's contact information. She responded that my local branch did not have a manager, and that the market manager XXXX would need to be contacted. I asked for contact information to reach out to XXXX. The rep relayed that it was not necessary for me to contact the market manager, that she ( the rep ) would email my local branch to request that the branch initiate contact with XXXX XXXX.
Later on Friday XXXX/XXXX/XXXX, I received a call from an employee at the local branch who informed me that a refund of {$74.00} would be granted -- as this is the maximum amount allowed to be returned to customers with overdraft fees. I followed up with a request that I make monthly payments on the remainder of the fees, as again, {$300.00} is a serious hardship in my financial situation -- no this would not be an acceptable arrangement. I asked her for a financial recommendation regarding my need to pay my soon to be due bills with the now {$150.00} in my account -- " what options do I have? '' Fortunately for the thousands of First National Bank customers who have their accounts robbed by their own financial institution, they can request a personal loan of {$2500.00}, which can be paid back over 24 months at {$120.00} per month. What is even more interesting is the answer I was given when I asked what the installments would be if I would immediately payback {$2000.00} of the {$2500.00} loan ( because I really do not want a loan of {$2500.00}, just the amount of my paycheck that I earned ). Well, in the scenario that I immediately payback {$2000.00}, my monthly payments would be ... higher ... oh lucky day!
So moving forward, my option is to pay an additional {$380.00} to the bank, in the form of interest, for a personal loan in an amount that is unnecessarily high so that I might remain in good standing with my other financial lenders all due to my heinous actions of using my debit card for a {$16.00} transaction that disobliged my bank so much so that I also owe them {$300.00} for the extensive financial burden that they faced for covering such an immense figure.
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| 10/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In or around XXXX of XXXX, I requested that my bank, First National Bank of XXXX, file a dispute on my behalf for Visa credit card transactions with XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the product or service not being as described. For your reference, I will include the backstory in the following paragraphs. Nonetheless, the card was closed at this time ( in XXXX ) but, apparently, no chargeback was filed. In the interim, between then and now ( XX/XX/XXXX ), I called various times looking for updates and resolutions and was always told by customer service that they would either " look into it and get back to me '' or that they couldn't find the dispute even though they acknowledged that the credit card was closed due to a dispute and they would elevate the matter. Needless to say, no one ever contacted me. Most recently when I was looking for an update, I received the attached letter of XX/XX/XXXX stating, essentially that the bank is no longer able to help me in this dispute because it is too late and the letter indicates that no chargeback was filed because First National Bank " needed more information '' that was not provided to them. This is an outright lie and, I believe, provably a lie. I come into contact with chargeback situations in my line of work as well and I know that when a card is closed for a dispute, a dispute must be filed. Additionally, please obligate that First National Bank provide answers to the following questions : 1. What do your records say about why the card was closed?
2. On what day, month and year was the card closed and what did you do after closing the card?
3. In what communication did you request more information for the chargeback and when? Please copy me on that again. ( Please note that I have informed delivery from the USPS for all first class mail at my address so I will know when/if any correspondence actually arrived or did not. Additionally, and obviously, all electronic correspondence can be recovered to show if it actually occurred or not so, if I was sent an email, please copy me with the electronic timestamp signature ).
4. Even if you did believe you needed more information ( which you failed to request from me ) why did you not file the chargeback in a timely manner anyway?
5. What additional information do you believe you needed?
6. Do you have a fiduciary duty to file chargebacks/disputes with the credit card processors with or without what you consider complete information upon closing a card for a chargeback/dispute?
7. Do you have a legal obligation to file disputes when credit cards are closed for chargebacks/disputes? This one I can answer for you ; you do.
8. If your institution fails to file a chargeback on behalf a First National Bank customer do you have an obligation to compensate the customer for the error?
As I indicated I would provide in the first paragraph, here is the backstory : " I had purchased an airline ticket from XXXX XXXX XXXX on XX/XX/XXXX. The subsequent two charges on XX/XX/XXXX and XX/XX/XXXX were for changing the flight date. Ultimately, the flight was to take place on XX/XX/XXXX.
Upon arriving at the airport XXXX hours early as was suggested by XXXX XXXX, XXXX 's airport attendants proceeded to create unnecessarily long waiting lines where everyone had to be XXXX feet away from one another to supposedly adhere to the airline 's Covid-19 security measures. These security measures forced us to be several XXXX feet and several airline terminals away from XXXX XXXX desk where we should have been and wanted to be waiting. When I, and a number of the XXXX XXXX XXXX other people who were supposed to be on the same flight with me, questioned XXXXXXXX XXXX airport attendants about how we would know what stage our flight was at while being so far away, they simply told us someone would come to get us when it was time to check our luggage ; which never happened.
When it got closer to the time of the flight, I and the other passengers of the same flight became concerned and we cut in front of XXXX XXXX various airlines to question what was going on. At this time, the attendants at their front desk told us that the baggage check had already occurred and we could either board the plane without our luggage or change our flights to approximately XXXX that same night. This, however, was not an option for me as I was on my way to a connecting flight in XXXX to fly out of the country and that second, connecting flight was leaving before the flight XXXX XXXX wanted to switch us to would have. Sensing our displeasure, XXXX 's incompetent airport attendants gave us the useless piece of paper I have attached to this email. Later, upon calling the number on this piece of paper, XXXX 's even more incompetent customer service representatives had no interest in providing a refund. '' This backstory is also part of an email which I provided to First National Bank and which I will attach to this complaint.
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| 07/11/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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I have 2 checking accounts with First National Bank, XXXX, Pa, lets call them primary and secondary, where the primary one has many more transactions.
At their own admission, upon my investigation into the matter, they violated their own internal policies in declaring my secondary checking account to be dormant last XXXX ( without informing or alerting me ), and then penalizing me {$10.00} a month UNTIL THE ACCOUNT WAS EMPTY and then CLOSING the account ( after they withdrew a total of {$20.00}, which was linked to an XXXX account to receive funds from sales from a book I wrote about 4 years ago ), ALL WITHOUT INFORMING ME OR ALERTING ME despite having multiple contact information ( email, phone, mailing address ) AND their own internal Message Center where they can contact or alert me via my online account, which means that even if none of my contact information was up to date or available they would STILL have been able to contact or alert me through the online Message Center. But they did NONE of these! Interestingly, they did alert me several times, via email, of various other circumstances regarding my primary checking account, regarding changes to my password but which did not involve penalties or charges to my account. It seems that where there might be a penalty involved, such as the $ XXXX dormant account fee, the bank doesnt want the customer to know! This might raise suspicions of profiteering on the part of the bank.
Anyway, branch manager XXXX XXXX, of the XXXX XXXX branch, whom I visited in his office XX/XX/19, sent this relevant portion of the policy to me a few days later, after I requested : To reactivate an account a customer driven transaction must be processed or customer contact made. Customer contact may be visiting a branch, conducting a transaction on another account, phone or mail contact. An example of a customer driven transaction includes deposits and withdrawals from an account.
This means that, therefore, my activity with my OTHER checking account would satisfy the condition described above, so that the account that was treated as dormant SHOULD NEVER HAVE BEEN TREATED AS DORMANT AND SUBSEQUENTLY CLOSED which caused me all kinds of problems and concerns and headache and heartache! Branch manager XXXX XXXX did confirm this in an email he sent me XX/XX/19 : Yes sir, you are correct.
That should not have been closed based on your activity in other account.
I apologize and thank you for letting me know.
Arent there laws specifically pertaining to this? There probably are!
Another question is : does FNB even have any policies regarding differential use of email and their online Message Center? If not, this exposes a SERIOUS FLAW in how they communicate with customers one that obviously fosters PROFITEERING by FNB!
Theres also the issue of the bank charging a fee to receive paper statements, compared to no fee for online statements, where the fee is more than the cost of the paper and postage, which creates an issue of fairness and transparency. I choose to avoid the fee so dont get a monthly paper statement. I would probably have noticed the dormancy fee on a paper statement and taken action to avoid further fees ( such as simply calling them ). But since I rarely use the secondary account Im of course not inclined to check the online statements on a regular basis at all, bearing in mind Im far more likely to notice something on paper I get in the mail ( which requires no action on my part ) and which is tangible than something that exists entirely in the cloud and which Im therefore inclined not to be aware of AT ALL!
And whether or not the particulars of a dormant account are in an Agreement wouldnt matter, because even if I had the Agreement taped to my bathroom mirror and read it every morning, I still wouldnt know that it was a year ( or some other period of time ) since the last deposit or transaction! They would have to tell me! Alert me some way! Thats the only way I could know! There was absolutely no due diligence on the banks part to contact me at any time, and calling one phone number is not due diligence because they also have my email address and mailing address, which havent changed since I opened the account over 4 years ago because Ive been at my current residence for over 7 years!
Branch manager XXXX XXXX deposited {$20.00} into my primary checking account, and offered to restore the checking account that was closed, but it seems that this indicates serious problems at the bank ( such as accounts of other customers treated as dormant ) that need to be investigated.
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| 11/13/2019 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
Servicemember |
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My father passes on XX/XX/2018, I believe. His name is XXXX XXXX XXXX, XXXX And he resided with my brother XXXX XXXX XXXX , XXXX at the XXXX XXXX XXXX. But the similarities stop there. My father is a kind and loving father. What I can not believe is that I have been fighting this so long with no acknowledgement from the offending parties. My father died at XXXX years of age. He survived the XXXX XXXX XXXX and was on the XXXX XXXX.
He passed with a will and I am a co-executor along with my brother XXXX XXXX XXXX, XXXX. The First National Bank of Pennsylvania located in XXXX, PA operates as its own jurisdiction and not part of Pennsylvania.
They took liberties with my fathers accounts and as a result I received no money from any of my fathers accounts.
My brother is best friends with the 2 appointed Judges in XXXX and with the Attorney my brother hired to probated the estate, a less than honorable XXXX XXXX.
I had a meeting with them regarding the estate on XX/XX/2018. I had an Attorney in front of me and my bother beside me. Attorney XXXX asked me to sign papers to request information from the bank on account numbers.
I was a XXXX XXXX XXXX at the time and we signed in order to move things forward so, I did not notice a trust issue. Well, I realized in a slow burn over time that he had me sign the accounts over to my brother, In Trust For.
My complaint with this bank is that : 1. Prior to my fathers passing, I was told to go to FNB to give my social security number to, my niece gave me a specific teller. I did so and the teller said, was this about verifying your number on accounts. I said yes and gave my social security number. I was very uncomfortable giving my number that way but, I did. She took my number went into the computer and did not give me any further information or instruction.
2. Bank paperwork was provided to the Attorney on XX/XX/2018 and I was told to sign and not date. That is the nagging statement that alerted me to the impropriety. I did so, in trust. Then, he did not read the will and I was done. On XX/XX/XXXX, I received the resultant paperwork from Attorney XXXX XXXX office.
3. One of the accounts they made in trust for my brother was In fact a XXXX XXXX account with XXXX in it that had gone into bank dormancy. They had a problem and had to give that to me. When I went to my XXXX XXXX branch of FNB I heard the same phrase sign and do not date. There should be an electronic transfer verifications for these after-the-fact idiosyncrasies.
4. I have a very good FNB bank in my home town of XXXX XXXX, PA. These tellers were so good and conformed to bank policy and I could tell funny things were happening on the other end in XXXX, PA.
5. There is a bank account that XXXX XXXX did not present to me on XX/XX/2018 at XXXX. That is the precise account and of course ; all the other accounts that my fathers will states I am to receive half of all.
6. As a co-executor of my fathers last will and testament, I never knew the sum of what my father, a sacrificed, laid up for his generation. I will stay the course to know.
7. Please, check for withdrawals say XXXX withdrawals came out of accounts. This would be money that went to the safe. I am asking a lot, I know. But, what price freedom. I ask for help is freedoms name.
8. FNB XXXX gave Attorney XXXX XXXX Typed Bank information that was not validated until after Attorney XXXX got my signature on XX/XX/XXXX.
I will send account numbers that I have in a follow-up communication. The safe was not verified and these accounts were not distributed properly. My brother received 97.6 % of what I can see. My brother let it slip that, I did not know the half of it. I am XXXX years old and they have ended my financial life. My father endured XXXX and XXXX years of life with the memories old serving for our freedom. Her did not forget me in his death.
I am a daughter of a valiant man, he has mad me co-executor of a will that is my job to see probated fairly. That is to government income tax, as well. My father told me from an early age, A good XXXX never leaves her post.he said. And I will not leave my co-executor post in injustice, humiliation, pain and suffering, I remain at my post for my Dad and our legacy. He did not leave me behind, I am a daughter of a valiant, strong, sustaining, victorious veteran.
Thank you, for your time in advance. I know my father left a trail of truth for you to follow and I am grateful to have recourse. I look forward to recompense.
Best regards, XXXX XXXX XXXX XXXX XXXX
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| 06/06/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Older American |
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I have been in my home since XX/XX/XXXX and i have always went to the bank in person which at the time was XXXX Bank i have all my payment receipts to show, Then in XXXX it closed/merged into First National Bank of Pennsylvania i also kept paying in person and have my payment receipts to prove it. My problem started in XXXX FNB had mailed back XXXX of my payments to me via XXXX and this is after i had spoken to XXXX XXXX and we made a verbal agreement that i pay {$330.00} a month, I was put into the save your home program during the duration of XXXX in which the bank never even appeared in court at all. Starting in XXXX i found an attorney by the name of XXXX XXXX and following his lead i filed XXXX which was the biggest mistake ever, and i started making payments of {$510.00} a month right away then in XXXX of XXXX i got a phone call from XXXX saying i should come to his office and sign a document and he also told me " if i do not sign the document then the sheriffs will be at my house before i get home '' so i signed that document which i was not allowed to even read i now know the document is a loan modification that is full of junk fees, hidden fees and garbage i would've never signed it had i read it. I started to wonder what exactly am i paying so my son and i looked up my credit reports and seen that the bank had the wrong mortgage account on my credit report since XXXX and they had been misapplying my money for a long time as well before, during, and after the XXXX i tried to explain this to XXXX but he was very snippy towards me. Starting in XXXX of XXXX under XXXX 's leadership he tells me that i should sell my home and " Put proceeds in my Pocket and pay the Bank at the same time '' i did not know at the time that i can't even rent anything let alone get a new mortgage, so i put my home on the market and wasted 3 months of time because i could not sell my home i do not know why but XXXX terminated the sale and FNB continued their predatory practice charging me late fees and reporting inaccuracies mind you this is after i paid them {$14000.00} they also misapplied that money and XXXX the attorney the genius left me high and dry. FNB has me back at square one trying to foreclose on me due to their errors and mistakes and in the times i was at court i could've contested what they were doing to me and i believe the bank knew this and that's why they never went to court so now i'm back at square one the bank is trying to foreclose wrongfully i might add again and i'm back in the save your home program this bank has been beyond predatory and has destroyed my credit and life and even my housing XXXX noticed the banks wrong mortgage account, The bank has only fought for their interest and has ignored mine the hole time and i just want my voice and situation known and even if i can not get what i want which is actual and punitive damages i want the CFPB to at least punish this bank for its abusive and deceitful practices this bank is extremely lucky i can not afford the correct legal counsel for myself. I also would to add i sent a QWR in XX/XX/XXXX and i just received yesterday XX/XX/XXXX a letter from XXXX saying they need more days to get information which i find funny because this bank would not extend anything for me and the bank got me out of the save your home program so they can foreclose/short sale me and i find that to be outright insulting also the bank on top of the {$29000.00} they claim i owe i'm also responsible for paying the banks legal fees which is {$10000.00} which i find to be ridiculous i owe FNB nothing they owe me. This bank has violated me in multiple ways from RESPA FCRA, FDCPA and XXXX. I wish i would've known all of this sooner because the bank took everything from me my money destroyed my credit and life, the house is not even worth {$30000.00} and i have 200+ payments receipts to prove i do not owe that bank anything and i paid a extra {$14000.00} hopefully my situation can help others in bring about new regulations to fight banks because i find it wrong that courts just side with them. I just want my life back and to expose this bank for what it has done to me my voice heard at least. You'll notice that my mortgage account is XXXX which is also on my payment receipts. The bank is reporting XXXX what in the XXXX is that. You will see I have been going through 7 years of pure XXXX due to the banks willful negligence and errors. I would like to add that even in XXXX the bank was reporting the wrong mortgage account i just wish i had the right legal help.
|
| 01/08/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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I have been trying for over a year to get repaid for money withdrawn from my familys joint bank account without our knowledge or consent, based on a crudely altered stolen check. I understand that repayment is supposed to occur within about 90 days after notice to the bank. Here 's an account of the withdrawal and my efforts to retrieve the money.
XX/XX/XXXX {$8000.00} is withdrawn from our account at First National Bank of Pennsylvania ( FNB ) XXXX XXXX MD Branch without our knowledge or consent. A photo of the check submitted for withdrawal shows crudely altered version of a {$30.00} check my wife sent in the U.S. mail. I notify my FNB Branch, XXXX XXXX XXXX Police ( Case XXXX ) and U.S. Postal Inspection Service ( XXXX XXXX ).
XX/XX/XXXX I complete an FNB Affidavit of Forgery or Alteration.
XX/XX/XXXX I get an unsigned letter from FNB saying they received my dispute claim, were working with the other Financial institution, and the process might take 90 days or more.
XX/XX/XXXX XXXX days, no word from FNB . I call the Branch to ask about progress. The Manager says the FNB Fraud Division has transferred the case to XXXX XXXX, the bank that cashed the fraudulent check.
XX/XX/XXXX I email the Manager copies of the Affidavit and check and ask for the mailing address of the FNB Fraud Department. She says the mailing address is not available ; I should contact FNB Customer Service. I send Customer Service a memo addressed to the FNB Fraud Division describing the event, asking whether FNB has a system to detect fraudulent checks, and asking whether they consider the check properly payable. I send a copy to the U.S Comptroller of the Currency. No reply from FNB.
XX/XX/XXXX No word from FNB since XXXX. I call Customer Service to inquire about progress. I learn that my Dispute is # XXXX XXXX XXXX XXXX. I ask whos handling the case for FNB, am told that XXXX XXXX no last name ) is the Case Manager, that she apologizes for lack of contact, is contacting XXXX XXXX, and will get back to me.
XX/XX/XXXX No word from XXXX. I call Customer Service. The Representative phones XXXX, who says XXXX XXXX is working on cases from XX/XX/XXXX. Since my affidavit was submitted in XX/XX/XXXX, I think they will soon process my case.
XX/XX/XXXX No word from FNB. I meet the Branch Manager, bringing all the documentation Ive assembled. I ask her to urge the Case Manager to ensure XXXX XXXX has a copy of the fraudulent check. No confirmation of that. Later the Branch Manager calls to say XXXX XXXX is working on cases from XXXX, XXXX but the Affidavit I signed in XX/XX/XXXX is invalid : My wife should have signed it, as she signed the check that was stolen. Before this, I was never informed she should have signed it. My wife goes to the bank and signs the form ; it is re-submitted. Im concerned this miscue will send my case back to the end of the line at XXXX XXXX.
XX/XX/XXXX XXXX email the Branch Manager asking her to contact the Case Officer and urge her to ask XXXX XXXX about progress. She says the FNB Fraud Division has not received any response to its previous inquiry, and theres no use sending another request.
XX/XX/XXXX XXXX email Customer Service saying I plan to file a complaint with Comptroller against XXXX XXXX. I ask which of the six XXXX XXXX banks in Comptrollers list cashed the check. The Representative says hes unable to find which institutionthis check was processed at I should follow up with my FNB Branch or fraud investigations via the points of contact they provided to you However, I cant contact the Fraud Division directly.
XX/XX/XXXX The Branch Manager emails me that the Case Manager says Sadly we do not the know the exact Wells it was negotiated at but if the customer filed a police report, then I would have the officer reach out to XXXX and subpoena for that kind of information Later the Manager writes me that XXXX says XXXX isnt accepting emails, they only accept letters through the U.S. Mail. I urge that XXXX send them a letter asking which bank cashed the check. The Manager replies, She said that she will do it today.
XX/XX/XXXX I meet with an attorney ; describe the theft and my efforts to get restitution ; and say I plan to file a complaint with the Comptroller against XXXX XXXX. He says my complaint should be against First National Bank : They allowed money to be withdrawn from our account based on a fraudulent check, without our knowledge or consent.
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| 02/09/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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First National Bank ran a fraudulent and intentionally misleading campaign to get new customers they had no intent of honoring.
Full offer details.
1 Present this promotional offer code when opening a new FNB personal checking account XXXX XXXX, XXXX, XXXX XXXX XXXX or XXXX XXXX. A {$50.00} minimum deposit is required when opening an account online. To receive the {$400.00} direct deposit reward, the following conditions must be satisfied : 1 ) Set-up and have a qualifying direct deposit ( s ) totaling {$2500.00} made to your new personal checking account within the first 90 days after account opening ; and 2 ) your account must be in good standing once the above conditions are satisfied. Then your {$400.00} reward will be credited to this open account within 15 business days following the 90 days after account opening. Your qualifying direct deposit ( s ) needs to be an electronic-type deposit, similar but not limited to, paycheck or pension from your employer, government benefits ( such as Social Security ), or other affiliated depositors. To receive the {$200.00} reward, 15 customer initiated debit transactions must be made from your new personal checking account within the first 90 days after account opening ; debit transactions could include POS, PIN, ATM withdrawals, transfers to other accounts, mobile banking, online bill pay, wire transfers, personal checks, and XXXX ; 2 ) your account must be in good standing once the above conditions are satisfied. Then your {$200.00} reward will be credited to this open account within 15 business days following the 90 days after account opening. Offer valid for new personal checking accounts opened XX/XX/XXXX through XX/XX/XXXX. Offer subject to change without prior notice and may be terminated or extended based on response. Offer does not apply to multiple checking accounts. Existing FNB checking accounts or accounts converting to another personal checking account are NOT eligible for this offer. You can receive only one new checking account reward related offer per household per calendar year ; bank employees and members of their household are not eligible for this promotion. FNB may offer multiple promotions to its customers at one time. Even if you met the requirements for multiple promotional offers you are only eligible for and will receive one promotional reward offer. Checking accounts closed by customer within 180 days of opening are subject to a {$50.00} account early closing fee. Some of our checking accounts do accrue interest based on balance, for example : our XXXX Checking account currently pays .01 % Annual Percentage Yield on balances of {$2500.00} to $ XXXX. Depending on the checking account chosen the rate may vary. Interest rates are variable and are good as of XX/XX/XXXX, and are subject to change at any time. Fees could reduce the earnings on the account. See the Consumer Fee Schedule for further information on fees applicable to this account which is available at an FNB branch. To the extent required by law, First National Bank will report the value of this reward to the IRS on Form 1099 MISC. Any applicable taxes are the responsibility of the account holder. In the event that we determine in our sole discretion that your account does not meet the eligibility criteria or the activity on your account does not qualify to meet the required conditions, we will not be obligated to credit your account with the reward payout.
Offer available at the XXXX, MD, XXXX, VA, XXXX, NC and XXXX, and NC ( DOWNTOWN ) FNB locations.
PROMO CODE : XXXX Offer Ends : XXXX XXXX After opening an account, and following every step along the way to get these benefits, they were denied to me because I was 'out of area ' from the promotion. I live 12 miles away from the XXXX, VA branch. My zip is XXXX, the bank is XXXX.
If they had no intent of honoring this offer, they should have told me originally when I signed up for the account. Not after 4 months of waiting. None of that communication happened and they allowed me to sign up, fund, and use this account for months, and only after I requested the promised bonus did they deny my request. This is a malicious and intentionally misleading marketing practice.
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| 09/24/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/2018 First National Bank of Pennsylvania, using a common set of circumstances as a pretext, pilfered {$180.00} from my checking account. Thats the entire monthly transport budget for my daughters school, or eight meals for my family.
The bank, along with all of its industry competitors, does this to thousands of its customers in our state every year. A large proportion of its operating profits are now derived from such fees, despite numerous attempts by state and federal legislators to bring predatory and unethical retail banking practices under control.
It is certainly a familiar story to the CFPB. An unexpected charge was presented to the bank via ACH. That there were sufficient funds to cover the overdraft in another account in my name at the same bank, meaning there was no risk to FNB, did nothing to protect me.
The bank intentionally did not notify me of any problem, as it was not in its immediate pecuniary interest to do so, No call, no text, nor any attempt at communication. I therefore continued to use the account normally during the course of the day. Charges at local retailers were honored when there were insufficient funds in the account. FNB re-ordered the transaction sequence to maximize the imposition of fees. The distorted chronology can only be viewed internally, as the bank deliberately omits transaction times from the online statement available to consumers.
Of course the retail charges should have been declined, thereby alerting me to the issue so I could immediately deposit funds. Thankfully, that they were not declined gives your office a clear opportunity to use its authority not only to achieve a measure of justice for me, but to defend banking consumers, as it is mandated to do.
When I opened the account, I made absolutely plain that I do not want any overdraft protection service. The bank manager confirmed I would be opted out. But she lacked the internal authority to make the decision. FNB policy requires overdraft service for my account, in direct defiance of federal law, on the pretext that I have my Bed & Breakfast name on the account as well as my own.
Thats clearly illegal. FNB lacks the right to arrogate to itself an exception to the law, which was drafted with the explicit intention to protect individuals from exactly this sort of larcenous conduct, irrespective of whether they are self-employed. The practice could not possibly bear legal scrutiny.
It is not only consumers especially those on low or fixed incomes who are victimized. The bank instructs its employees to respond to affronted customers with a litany of wholly implausible statements that either blame the customer or even assert that the policy is conducted in a manner to benefit him. Bank employees are well aware that it is hogwash, but are compelled to compromise their own integrity on a daily basis. Managerial-level bank employees, who ostensibly have the authority to waive the fees, are forcefully incentivized not to do so.
FNB is absolutely correct when it asserts that its conduct is consistent with prevailing practices in the industry. Switching banks would be meaningless as, in the absence of any meaningful deterrence, they have all developed a reliance on the same unethical fees to compete. From the standpoint of the consumer, its a cartel. There are no real choices, and one bank is the same as another.
And that is exactly why your office must act not only to correct FNB, but to message the entire banking sector that such conduct will not be tolerated. Only then can it put an end to an injustice that causes real misery for thousands of vulnerable consumers.
I urge you to investigate this incident and take firm, meaningful and public action. The incident should cost FNB at least {$180.00}, so that the incentives for dubious conduct are mitigated. You should make plain that the bank is under proper regulatory scrutiny going forward. I also expect your office to support me in case the bank chooses to retaliate against me for this complaint.
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| 03/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I believe there has been collusion on the part of a real estate residential home buyer and a lender, First National Bank, to illegally and unethically void a ratified contract on a house I am selling based on a denial of financing after saying the buyer was overqualified and had no issues, while at the same time approving these same home buyers to buy another house 1/2 mile away while still under contract with us. The lender pre-qualified the buyer who has a 12-year history of working with this lender on his businesses. However, while still under a ratified sales contract with us, this buyer entered into a new ratified sales contract with another seller for that new house and got the same lender, First National Bank, to provide the financing pre-qualification letter before issuing any denial letter to us and enabling this buyer to outbid 9 other buyers for that home while still under ratified real estate purchase contract with us. The lending institution did not issue a formal, signed denial letter to us and the title company had no knowledge of the financing denial until two days after this buyer had already outbid 9 other people for the other house and placed a ratified sales contract on that property. First National Bank only issued the formal denial letter to us because we repeatedly asked for it once we learned of the new contract and that they were giving us conflicting information after stating repeatedly this buyer was overqualified. They tried to say he had a bankruptcy which was over 10 years old and one late payment that was over 7 years old -- neither of which is allowed to be factored in after this amount of time. He also has a credit score of XXXX and a clean credit history for over 24-months, which is the requirement. After that didn't work, First National Bank then denied it based on " insufficient stability of income, '' not amount, but is enabling him to purchase this new home with the same insufficient stability of income. We have abided by the contract and yet this buyer and First National Bank have not and have damaged our ability to sell this property by making it look as if a sale fell through, having it off the market for an entire month when it could have been offered to legitimate purchasers, and is now facing foreclosure. The buyer also violated a buyer agreement with his real estate agent and purchased this other home with a new agent, all the while apparently he is a licensed agent himself so should know the laws and regulations prohibiting these actions. He has clearly broken several laws and contract agreements and yet the lender, First National Bank, continues to give him credit because they get the loans. He also offered to pay the agent " under the table '' to make it go away. If you are selling a house, do not enter into an agreement with anyone who has First National Bank as a lender. If your buyer finds a house they like better after ratifying a contract, First National Bank will find a way to deny financing so that they can get out of the loan. This buyer waived appraisal ( which came in above sales price ), waived home inspection ( and we disclosed all items and amounts to fix ), and waived termite/insect inspection as well. The ONLY contingency was financing. This buyer also added an escalation clause to beat out other buyers ( which he did because we selected him over another buyer because he had no contingencies other than financing and his escalation clause was {$1000.00} higher than the other buyer ), and we felt comfortable since First National Bank was a well-known institution. Now he has done the same thing with the new house -- waived everything but financing to get this house with First National Bank 's backing. I feel sorry for the 9 ethical buyers and lenders he won out over and this seller has no out for the contract that this guy won't abide by if he finds a different house he wants. And First National Bank will just keep helping him do it.
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| 02/03/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I opened an account with FNC bank on XX/XX/XXXX. I made an opening deposit and received a confirmation email. I attempted to set up online banking and if failed. A quick XXXX search found that this bank struggles to open accounts online and often you need to wait a week before getting online access. After a week I tried again and again it failed. I called and the customer service rep ( csr ) was not able to fix the problem but said they would call back. They never called back. After another week I called again and this time they said they would contact the XXXX XXXX The XXXX person called back the next day and said there was a hold on my account and I needed to go to a branch and do a signature card. I went to the branch a few miles from my work and did the signature card. The XXXX said they would upload the signature card but to wait for XXXX hours before trying to gain online access. After three days I tried again and again it failed. I called and the XXXX was again unable to help but said the XXXX person would call. No one called. After a week I called and went through the same song and dance. The next day the XXXX person called and said I needed to go to a branch and do a signature card. I told him I had already done this. He said he would call back. The next day someone from the branch called and said i could now gain only access. This finally worked and after a month I had access to the account.
I set up online bill pay for several of my cards and sent a small amount to each of the cards. I started with a small amount since FNB had struggled so mightily with everything thus far. The amounts posted to my account several days later so I thought all was well. I then received an email for each payment made starting : " XXXX, the service provider for Bill Pay with First National Bank of Pennsylvania, processes the payments that you make through Bill Pay. At your request, XXXX processed the payment to XXXX XXXX XXXX on XX/XX/XXXX for {$1.00}. However, after sending money to XXXX XXXX XXXX, XXXX could not withdraw the funds from your payment account. As a result, the money XXXX sent to XXXX XXXX XXXX on your behalf was returned to XXXX.
You XXXX Still Have a Payment Due to XXXX XXXX XXXX Your statement from XXXX XXXX XXXX may show a posted payment and a corresponding reversed payment. Unless you've made other payment arrangements, your payment is still due.
Your Bill Pay Service Has Been Suspended To prevent additional problems, XXXX suspended your Bill Pay service. You can not use most of the functions in your service, and no transactions will be processed. You must make other arrangements to pay any scheduled transactions.
Reinstate Your Bill Pay Service Call XXXX at XXXX to reinstate your Bill Pay service. XXXX reversed your payment and can answer your questions.
Service Fees Any service fees associated with insufficient funds in your account to pay XXXX XXXX XXXX will be withdrawn in accordance with your Bill Pay terms of service. Other standard processing fees may apply.
This email is an attempt to collect on a debt and any information obtained will be used for that purpose.
To protect you from potential fraud, this message from XXXX XXXX does not contain links to any websites or ask you for personal information.
Do not reply to this message. Replies to this message are routed to an unmonitored mailbox. The information in this email message is also being sent to you by XXXX XXXX '' I called FNB both to confirm that the email was legitimate and to inquire why my funds could not be accessed since ample funds were available in the account to cover the bill pay amounts. The XXXX said she had no idea why the funds could not be accessed and provided no assistance. FNB charged me a {$25.00} annual fee and has not provided even the most basic banking services.
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| 01/04/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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First National Bank assumed our mortgage from XXXX XXXX. XX/XX/2016, I received a request for proof of hazard coverage for the property. I shared with the First National Bank representative XX/XX/XXXX that condominium associations were required to have hazard coverage in Maryland, but they required detailed proof of coverage. I am attaching the email that I sent on XX/XX/XXXX to our association 's management to request this document to First National Bank 's specifications. I have another email documenting that I received this proof on XX/XX/XXXX and forwarded the info to the fnbmort-online @ verifymycoverage email on XX/XX/XXXX as outlined in the letter requesting proof. I 'm also attaching the email response saying the document had been received and that I would be contacted if there were any questions. I received an additional letter requesting documentation and so I forwarded the email that I previously sent to the XXXXXXXXXXXX email again on XX/XX/XXXX. After I received the letter dated XX/XX/2016 which is attached, I called to report that I had sent the documentation. I spoke with XXXX at extension XXXX as I also documented on the letter attached. She stated that First National Bank was concerned that the document did not fully cover replacement of the property " all in '' as I also documented in my handwriting on the letter. I then wrote an email to our property management company dated XX/XX/XXXX indicating that First National Bank considered the issue still outstanding and that more info was requested. Please see the attached documentation. I then spoke with XXXX and she requested that I fax the email with the additional clarification from our condo association to her which I did. You can see that I printed out this email on XX/XX/XXXX so that I could fax it along with the cover sheet. At this time, XXXX assured me that the situation was resolved and that I would not be charged for additional hazard insurance since I had provided proof to their satisfaction. I considered the matter resolved since she promised to contact me if there were additional questions. I also received a request from First National Bank XX/XX/2016 alerting me that the condo association coverage expired in XX/XX/XXXX and that they needed the updated policy. I have also attached that email request to our property management firm and the proof that I sent the proof of hazard coverage. On XXXX XXXX I received an escrow account notification of an increased monthly payment due to insufficient funds which included a " MISC '' charge of {$1200.00} XX/XX/2016. When I called First National Bank to inquire as to the charge, they stated that it was hazard insurance coverage. I then spoke to XXXX and XXXX in the insurance division who variously said that First National Bank had not received any proof of coverage, had no documentation on my account at all, and had only received recent proof of coverage XX/XX/XXXX. When I stated that I wished to speak to XXXX, I was told that she was unavailable. I also requested the opportunity to submit this documentation and speak to a supervisor to resolve the situation. On XX/XX/XXXX I received a voice message from XXXX saying that they had received an email but that no policy was attached. I find this hard to believe given that they were clearly aware of the expiration date of the original policy that I sent based on their timely request for the renewal and the attachments that were clearly present in the emails. Based on the various answers that representatives at First National Bank have provided and their unwillingness to review my documentation, I no longer have confidence that they have any intention to refund the money that they have taken without cause. I am concerned that this is to generate funds for the bank which has an insurance division
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| 01/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XXXX XX/XX/XXXX, I submitted a mortgage application with XXXX XXXX XXXX ( XXXX ) as my fianc and I were starting our house hunting process. I wanted to get an understanding of the process since I had changed from a W2 employee to self-employed ( K1 ) in XXXX. Initially, I was told that everything should be fine since based on my XXXX tax returns, my gross income was in excess of $ XXXX, I had ~ $ XXXX in my checking and savings account, and my credit score was over XXXX. After submitting my application, the mortgage XXXX, XXXX, reached out to inform me that because I switched to a XXXX status in XXXX, they would take only my XXXX portion of income in XXXX ( ~ $ XXXX ) and divide it by XXXX to be used as my monthly gross income in the debt-to-equity calculation.
After a call with XXXX, he indicated that there was a mechanism setup by which the underwriting management would review my application ( along with all supporting documentation ) to see if a waiver can be granted.
On XXXX XX/XX/XXXX, the mortgage specialist received a favorable response from the underwriting management team for the loan process to continue.
On XXXX XX/XX/XXXX, our offer for XXXX XXXX XXXX was accepted by the sellers. As required by XXXX, the ratified contract included a finance contingency with a XX/XX/XXXX expiration date.
On XXXX XX/XX/XXXX, my loan application was sent to the underwriter. Over the next week, I continued to provide any requested documentation including retirement account balances, company financial statements, and the operating agreement which showed my 35 % ownership of my company.
On XXXX XX/XX/XXXX at XXXX ( after being told repeatedly that we were on-track, I received a call from the mortgage XXXX, XXXX, and his VP to tell me that my loan was going to be denied. I was with family and could not talk at that point, so I requested a meeting on the subsequent day ( XXXX XX/XX/XXXX ) for a more detailed explanation. During that meeting, XXXX and his VP told me that although I had followed the process of receiving the exception from the underwriting management team at the beginning of the process as well as having met ( and exceeded ) all financial covenants and requirements, my loan would be denied. They then went on to explain that there was a person in the bank who could objectively look at the evidence and make a final determination, however that person was on vacation until XXXX XX/XX/XXXX. To say that I was livid would be an understatement because I had started this process over a month prior and with my finance contingency set to expire 2 days after their call ( which was also the week of XXXX ), they jeopardized the purchase of my home. And now, there only solution was for me to stay in limbo until a VP who is on vacation ( but not accessible via email or phone ) to return to the office and make the final determination.
On XXXX XX/XX/XXXX, after contacting XXXX and XXXX XXXX who both said that I exceeded the threshold for the loan, I sent a letter to XXXX requesting a refund ( ~ {$1000.00} ) for the appraisal fee that I had paid since I would have to pay it again with XXXX ( who I proceeded with ). Second, I asked for a formal letter of apology for wasting my time and jeopardizing the purchase of my home. As of XXXX XX/XX/XXXX, I have not received either.
It is shocking to me that a bank would operate in such a manner. They had a process and requirements which I followed explicitly. I hope that my race ( I am XXXX American ) did not play a role in the final decision made by XXXX but no one from the XXXX side has been able to provide any type of response how/why my application met all the requirements but was ultimately turned down.
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| 05/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have been working with my lender/Servicer First National Bank ( FNB ) in conjunction with my housing counselor and The Maryland Home Owner Assistance Fund ( MDHAF ) Program which was supposed to help bring my overdue mortgage payment current and avoid foreclosure.
My lender had denied my loan modifications, initially due to insufficient income but after my family moved into the home with me, the combined household income had improved and my lender also denied us a modification based on too much household income. Unfortunately, or maybe fortunately in this, my daughter also lost her job just after the 2nd loan modification.
We were prevented from making any monthly payments to the loan and was told that they would be requiring the complete overdue amount but they'll be waiting for, and working with MD HAF to help bring my payment current.
I have been working with MDHAF since XXXX XXXX XXXX. Since XX/XX/2022, when the process had progressed initially to the point that MDHAF kept asking my lender to send in my loan documents so my application is not delayed, my lender kept insisting that they had no way of sending the requested loan documents because they had no access to the MDHAF Portal ( and this was over a month before the 2nd loan modification which was denied due to too much house hold income ). It took them 6 months to finally access the portal after my housing counselor intervened to them access the MDHAF portal in order to send in the required documents.
MDHAF finally had to deny my application this because my lender had denied my loan modification.
When I spoke to XXXX XXXX who is my contact person in FNB to find out why the bank had decided to cause me to lose the MDHAF 's assistance, he became quite furious with me, claiming that they had been trying to help me all along and they will now be following up with the foreclosure and I could speak with their foreclosure attorney.
Although I tried to explain to him that the household income had decreased due to my daughter losing her job, he didn't ask for a termination letter but said I should contact a Realtor and sell the house. He instead kept yelling " what's your current household income, tell me your current household amount '' when I told him that I was waiting for my nephews to send me their current paystub that evening, then I can give him the real total amount, he took that as prove and said that we would not qualify and can't afford it. This occurred when I requested for my most recent mortgage statement.
I told him that I wanted to keep my home and would prefer another loan modification because we should qualify now with less income and that I will also be appealing MDHAF 's decision, which we did, waiting for their decision. But I am afraid that would be a problem because my lender is bent on denying us a modification.
I don't understand why the sudden change in tone and manner from wanting to help me save my home to now preferring that I lose my home. I thought that whole purpose of working with MDHAF is for the overdue amount to be paid off to avoid foreclosure.
I am now believing that their inability to access HAF 's portal and refusing further monthly payments was a delay tactics designed for our debt to pile up enough to lose my home.
I also believe this because he had told me that I'm wasting their time as he needed to attend to another client 's file in the same situation with HAF Program and my question was why does mine have to take 6 months.
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| 03/13/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Can't close your account
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Web |
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On XX/XX/2023 I withdrawal the available balance of the account and closed the account at the branch of First National Bank located at XXXX XXXX XXXX, XXXX, PA XXXX ( I have a receipt of windrow and closeout the account ), I asked the tailor about any confirmation of closing the account and got response that First National Bank is not providing any confirmation about account closing.
A few days later I got a call from the XXXX PA Branch ( XXXX - manager of the branch ) saying that some pending transaction made on XX/XX/2023 didn't go through and they reopened my account with XXXX cent deposit. She said that I have to pay amount of XXXX $ if not I will be charge for overdraft fee and send to collection agency. When I asked if she can provide any bank statement proving that transaction was maid and didn't go out from the account, got an answer that she can't provide proof of the transaction was maid. On that I have told her, I can't pay anything what I haven't spend..
A couple days later I received the bank statement from First National Bank ending on XX/XX/2023 where is not posted any transaction ( made on XX/XX/2023 ) that XXXX was talking about, it's saying that on XX/XX/2023 was maid CLOSINGS WITHDRAWAL of {$5000.00} and balance is {$0.00} after that. One day later I received I received one more bank statement First National Bank from XX/XX/2023 and ending XX/XX/2023 where is said that that on XX/XX/2023 was maid five transaction ( no number of transactions or destination to whom was made transactions ) which I didn't make them, with total amount of {$220.00} which went in negative balance and 3 days overdraft fees ( total negative balance - {$230.00} ).
I have called the customer service of the First National Bank and talked to two persons about this issue, got an answer they can't answer me why that happened, who maid those transactions, and can't give me any paperwork or bank statement that explains how that happened. The only thing that customer service of First National Bank offered me to file the complaint ( which I did ) and this complaint will be sent to XXXX PA Branch of First National Bank ( didnt got any reference number of complaint ), I will get response in two days ( never got any response ).
From the beginning of the XXXX of XXXX Im receiving several letters from First National Bank about negative balance and overdraft fees.
I did send via mail official complain about this issue to the legal department of the First National Bank, XXXX XXXX XXXX and XXXX XXXX.
Form all above explained I official declare that Free Small Business checking account- was closed by me owner of the account, on XX/XX/2023 with {$0.00} balance after that I never reopened the account, never made any transactions and never used the debit card. Reopening the account by Firs National Bank using my personal information consider iligal, transactions ( which caused negative balance of the account ) made on XX/XX/2023 consider illegal, fee applyed on negative balance consider iligal as well.
I have recept from First National Bank that confirm the account was closed on XX/XX/2023, I have bank statements from First National Bank that confirm abuout when and what transactions was maid.
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| 05/23/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Bounced checks or returned payments
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Web |
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Dear First National Bank, I am writing to express my deep disappointment and frustration regarding an unjust charge that appeared on my account on XX/XX/23. Specifically, I was charged a returned item fee of {$29.00} for a failed deposit transaction that resulted in the funds being returned to my checking account. I strongly believe that this fee is unfair and unjustified, and I kindly request that you rectify this situation promptly.
On the aforementioned date, I attempted to deposit money into another savings account using my First National Bank checking account. Regrettably, the transaction encountered an issue, and the funds were returned to my checking account. To my dismay, I discovered that First National Bank had charged me a substantial fee of {$29.00} for this simple and unintended transaction reversal.
While I understand that financial institutions may have certain policies and fees in place, I fail to comprehend why a significant fee was imposed for a transaction that did not successfully complete. It is important to note that I did not intentionally initiate the return nor did I engage in any unauthorized or deceptive activity. It was an unintended outcome resulting from a technical glitch or a temporary disruption in the system.
As a loyal customer of First National Bank for several years, I have always appreciated the services and support I have received. However, this unexpected charge has left me feeling frustrated and disillusioned. I believe that as a valued customer, I deserve fair treatment and transparency regarding fees imposed on my account.
In light of the circumstances, I kindly request the following actions to be taken : Refund : I request an immediate refund of the {$29.00} returned item fee that was erroneously charged to my account.
Policy Review : I urge First National Bank to review its policies and procedures regarding returned item fees. Charging a significant fee for a failed transaction that was beyond my control appears unreasonable and disproportionate. It is essential for the bank to ensure that its fee structure is fair and aligns with the best interests of its customers.
Customer Service Improvement : I suggest that First National Bank focuses on enhancing customer service by providing clearer information regarding fees and charges associated with account transactions. It would greatly benefit customers if the bank proactively notifies them about potential fees, ensuring transparency and informed decision-making.
I hope that First National Bank will take my complaint seriously and promptly address this matter to restore my confidence in your services. I have always regarded First National Bank as a reliable and customer-oriented institution, and I trust that you will resolve this issue to my satisfaction.
Please contact me at the phone number or email address associated with my account, as provided in your records, to confirm the actions taken or if any further information is required. I appreciate your attention to this matter and look forward to a swift resolution.
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| 02/01/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/2020, 5 weeks after I lost my job and income because of COVID-19, I purchased a sandwich. That decision turned into a nightmare that I still grapple with. The day that I had purchased this sandwich, I had checked my First National checking account to make sure I had the money to do so. And I did with a few dollars to spare. Unfortunately, I did not notice that the {$9.00} moments before was not a charge for that amount ; it was a {$1.00} charge. Apparently this gas station only debits {$1.00} to an account initially. I hadn't calculated the entire {$9.00} purchase, only the {$1.00} that had been taken out of my account. This left my account negative {$4.00}. I did not know First National Bank was tacking on overdraft fees during the next few days for items that had previously been listed as already debited from my account, even on the XXXX when I purchased coffee for {$3.00} did I have any notice or knowledge that my account was overdrawn since the coffee purchase went through without fail. By the next day, the XXXX, which is when I went into my account again, the bank had charged me {$420.00}. i immediately called my local branch and spoke with XXXX, the bank manager. He offered to reimburse my account for 2 of the overdraft charges, but could not reverse all the fees. He explained how he was not permitted to make overdraft reversal decisions, but he would be happy check with his supervisor and see what could be done. He told me he would call me the following day. XXXX did call me the following day. His supervisor, he stated, was unwilling to reverse any of the fees, since in the past year the bank had already reversed {$140.00} worth of fees to my account. I explained how some of those fees were bank mistakes. But it did not matter. XXXX would do no more. I made several attempts calling the FNB customer service center to no avail of a better resolution. I explained to each individual I spoke with, including initially XXXX, that I just recently lost all my income due to the virus. No one was interested. Out of desperation, I called XXXX again. I asked him if I could have his supervisors contact information so I could plead my case to him. He gave me his supervisor 's email, and I sent Mr. XXXX a letter explaining my situation. Mr. XXXX called me immediately, but did not get involved, explaining that he leaves the overdraft reversal decision-making to his bank managers. He was not interested in XXXX 's putting the blame on him, and actually said to me that I must have misunderstood! I know exactly what XXXX told me and voiced that. It did not matter to Mr. XXXX and he would not budge on the decision to not help me. I began investigating overdraft fees and the worldwide pandemic. I found a Mr. XXXX XXXX, the CEO of XXXX, and read how he got on board with the Attorney General and the CARES Act. So i wrote to him and explained the situation. That was a waste of many hours of letter preparation. I never heard back from him or his office. I received a letter yesterday from a collection agency for the overdraft charges.
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| 08/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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My husband and I had our identities stolen. In the course of dealing with this my husband was temporarily laid off from his job and I am XXXX. This was all taking place from approximately XXXX through XXXX. We had over {$7000.00} stolen from our checking account. I contacted FNB where I was referred to XXXX as she was the representative dealing with our mortgage. I explained the situation we were in to her and told her I would do my best to get caught up over the next few months. She recommended that I fill out there mortgage assistance package to give us time and/or assistance which I did and we were ultimately denied assistance. I was making payments on the account and assumed they were still working with me since when I spoke to an agent in XXXX and he checked with XXXX who was to busy to get on the line with me, he said that as long as I kept making payments she wouldn't proceed with a forclosure. Then on XX/XX/XXXX the Shefiff came to our home to issue us a notice that our home was up for sheriff sale on XX/XX/2023 I immediately called FNB mortgage services and spoke to XXXX who said that XXXX was supposed to stop the paperwork from going to the attorney, but didn't. He said he would get a message to her but that I could disreguard the notice as long as I continued to make payments everything would be fine. He also said that a call would be made to the attorney to let them know that I was making the agreed payments. My husband had to have XXXX XXXX in XXXX. We were able to make a hardship withdraw from his annuity so we decided to take enough to just pay off the mortgage. I called to get a payoff on the mortgage and after several agents and almost a week of waiting I spoke to XXXX who said XXXX was off on medical leave so he was working on our case. He sent me a payoff quote that included legal, collection and late fees totaling {$4000.00}. I think this is completely unfair since I was told that as long as I was working with them everything would be fine and now that we're paying the loan off there are suddenly all these fees?? I did go to a branch where I had to wait for almost 30 minutes till the teller could get the mortgage service department to lift a restriction on the account so I could make the payment. I paid {$85000.00} directly on to the principle to avoid futher interest till I could contact someone for assistance. I got a call the following morning from XXXX who told me that I could not put the whole amount on the principle. I told her that I could put whatever I wanted on the principle and she replied that they wouldn't release the deed until all the legal fees were paid. I said that was fine because I didn't expect that they would. She the asked where I got the money to pay off the mortgage and if I sold the home. I didn't feel like this was an appropriate question to ask so I just told her we didn't sell the home. She said she would have to talk to her supervisor about putting the whole amount I paid on the principle and since then I haven't gotten a response.
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| 07/29/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/2022 I went to the website of XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) to open a checking account online. At the start of the process I was prompted to enter my zip code. Afterwards I reviewed the various checking account types and selected the XXXX Checking account. As I went through the process of " checking out '' in their online store-like interface, I was presented with an offer for a promotion called the " XXXX XXXX XXXX XXXX ''. The terms stated that if I met certain qualifying transactions that I would receive a promotional bonus of {$400.00}. I read through the terms of the promotion which made no explicit mention that only customers in certain states were eligible for this promotion. Having already typed in my zip code and also knowing that there are XXXX branches in my state ( North Carolina ), I assumed I was eligible for this promotion. I therefore proceeded to open the account with the promotion attached. The account was successfully opened.
Over the next couple of months I met the transaction requirements stipulated in the promotion, which were a combination of direct deposits and bill payments within 90 days of opening the account. Meanwhile on XX/XX/2022 XXXX charged me the {$25.00} annual fee for this banking package, which was stated in the terms of the account.
Once the requirements were met I waited the required waiting period which was XXXX business days after 90 days following account opening. However I still hadn't yet received any promotional bonus. I subsequently reached out to XXXX to confirm that I had met the requirements. First I reached out via secure message chat. In that chat it was confirmed I had met the requirements. No further support was provided and it was recommended that I reach out to the branch, I then called the customer support phone number, who explained that I had met the requirements but also that I wasn't eligible for the promotion because I lived in North Carolina, and the promotion is only available for residents of Pennsylvania. The representative then recommended that I reach out to the local branch to see if there was anything they could do. I later spoke with a representative in the XXXX, NC branch who said they would not pay out the promotion to me.
I don't think this outcome is fair and the promotion was deceptive. As stated previously, the combination of having entered my zip code, having the promotion made available to me during the account opening process, the terms of the promotion not explicitly stating that only residents of Pennsylvania are eligible, being able to open this account online and not having to go into a branch, and there being XXXX branches in my state led to me believe that I was eligible for this promotion. After having completed the promotion requirements in good faith, and also charging me for the account type, I expected XXXX would honor the terms of the promotion that they presented to me during the account opening process. That was not the case which is disappointing.
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| 06/17/2019 |
No |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I was given a pre-qualification letter by XXXX XXXX of FNB on XX/XX/19. I was told in writing and over the phone that they would pull the equity out of my current home to be able to purchase the new property. I submitted all required documents and completed the loan application on XX/XX/XXXX. I was then contacted by XXXX XXXX from FNB on XX/XX/XXXX and was told that I needed to open an online banking account with FNB in order to qualify for the interest rate that was promised. On XX/XX/XXXX I completed the online banking application and have recently been billed for this account. After repeated calls to XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, to get a status, he finally wrote back to me on XX/XX/XXXX, telling me that he was still waiting to get the appraisal back on the bridge loan but would get back to me later that day. I called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and also had my Real Estate agent call to get a status as we were supposed to close on XX/XX/XXXX. Finally, on XX/XX/XXXX, XXXX responded via email that they couldn't do the bridge loan because he thought they could get the full value of the equity originally but was capped at 75 % -80 %. I then told XXXX on XX/XX/XXXX that I could take a penalty and pull the money out of my 401k. He told me that I should do so. I applied the same day and had the funds available 2 days later ... and wired them to the Title Company so that we could close by XX/XX/XXXX. Once again, XXXX never followed up. After reaching out to him on multiple occasions with no response, he finally responded on XX/XX/XXXX that he had spoken with his VP and that everything was good and that I should get confirmation later that evening. I then received a XXXX at XXXX XXXX and signed it, the evening before departing on vacation. On Wednesday, XX/XX/XXXX, I received an email from XXXX stating that they were changing the plan once again and that I needed to pay an additional {$15000.00} to buy down the rate to 3.5 % to get the debt-to-income ratio below 50 %. I was told that he needed my answer immediately and so begrudging sent him a note that we accepted. He told me that the mortgage would drop to {$3300.00} and that cash to close would go up to {$170000.00}. I agreed to everything. Then, on Monday, XX/XX/XXXX, I received an email from him that once again, they were changing the plan and that I needed to either give them another {$25000.00} to buy the rate down lower or that I would have to buy my leased XXXX.
As a result of all of this, I am at risk of forfeiting my {$10000.00} in earnest money, I have already spent ~ {$3000.00} to get the well inspected and the property survey. I will lose ~ {$20000.00} in 401k age penalties. I am getting billed for an FNB bank account that I never wanted and have paid for utilities at the new place. All together, this Bank has probably cost me nearly {$35000.00} due to their incompetence.
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| 06/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XXXX, I was informed that I was pre-approved for a mortgage and was provided with a letter documenting this.
Finding a home where I was looking was difficult and so time passed, and I received updated letters twice : I received another pre-approval letter on XXXX and again on XXXX.
The letter on XXXX showed that I was locked into a 4.25 % interest rate.
On XXXX, I put an offer in on a house, based on the pre-approval, and the offer was accepted.
The deal was for a short close ( 30 days, on XXXX ) and so the lending agent collected all of the information quickly, had me fill out all of the forms, had me open a bank account with his bank, and submitted all of the information to the underwriter.
During this time ( XX/XX/2022 ), the fed increased interest rates.
On XX/XX/2022, I was informed that my loan was declined by the underwriter. This was despite having generous assets, a low-risk job, generous income, a top credit score, and being pre-approved.
When I requested a reason for being declined, I was provided reasons that were based on wrong information.
I requested that the agent provide the correct information to the underwriter, and he said he would do so.
On XX/XX/XXXX, he informed me that they would not change their minds - despite basing their decision on wrong information.
That same day ( XXXX ), I contacted the agent 's manager ( with the head of the mortgage department of the bank on cc ) requesting that he remedy this.
He replied on XXXX to say that he could not reach the underwriter but that he spoke with the underwriter 's manager and that they were refusing to look at any new information or change their minds.
I then called a different mortgage lender that same day and was granted a mortgage without difficulty -- though at an interest rate reflecting the fed increase in XXXX -- and was able to purchase the home on time.
It appears that either : 1 ) the agent didn't want to admit his mistake, 2 ) the agent 's manager didn't want to admit his agent made a mistake, 3 ) the underwriter didn't want to provide a loan at the lower interest rate that was locked in, 4 ) the underwriter 's manager didn't care about my situation ( and/or didn't want to grant the loan at the lower interest rate ), or 5 ) the agent and the agent 's manager were lying for some reason.
In any event, none of it makes sense - given how easy it was for me to get a mortgage with someone else at the current interest rate.
And the human side of this was that my spouse and I went through severe mental anguish, became physically ill, had our vacation ruined, had to take dozens of hours off of work, had to pay extra to have multiple steps of the new mortgage expedited in order to be ready by closing, and had our relationship with the sellers strained- when we were still negotiating some last-minute arrangements with the house.
The actions of First National Bank of Pennsylvania appear unethical and highly irregular.
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| 09/16/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I had this account for 15 years. At that time it was XXXX, then that was sold to Metro bank, and now First National bank bought it. I never had a problem until First National bank got into the picture. The buried me in overdraft fees and any other fees they could think of. They took XXXX direct deposites and paid themselves, at that point there is no funds to pay anything else. I was n't aware this was going on because one the bank card was demagnitized, two I felt my direct deposites were covering my charges which were XXXX dollars XXXXdollars gas food, and the big one was paying the rent. My direct deposite is from a part time job, however it 's important to me because it helps me pay the rent, I 'm a widower I live with XXXX kids and put food on the table. What I do n't understand about First National bank is that why is it when there is insufficient funds they do n't simply close the account instead of charging overdraft fees. They do n't have anything written that they have the right to have overdraft fees, so I do n't understand how they can charge me fees take everything then hand it over to a collection agency. There is something fundamentally wrong that allows a bank to do this, to the point of bankrupting an account holder. I have been in contact with them on Fridays because that was the only time I had available, one gentleman looked at my account looked at the fees, then said he did n't have the authority to waive any fees and directed me to his manager XXXX XXXX. She was supposed to get in contact with me and never did, I went back the following Friday and told him what I wanted which was to have my direct deposites returned to me because I earned them, second I want the fees waived, thirdly I want the account closed. He wrote that down and told me the regional manager has the authority to do so his name is XXXX XXXX, and then never heard a word from him. Meanwhile I feel as though they were stalling, eating out the clock so they can bring it to a collection agency so they do n't have anything to do about it. While this was going on I opened up another account and had my money moved to that account because it would have been an endless viscious cycle. That other account, there 's an agreement that if there is insufficient accounts there would be a decline when swiped. To have this thing go one and owe an exuberent amount of money baffles me and the only thing I can conclude on is that this is how the bank makes its money. So they are looking to create scenarios to look into your account and to go around doing this. As I stated before First National bank has no agreement to take my money to charge me, nor did I agree to their policies on how they run their business. I 'm a struggling guy and when I lost those direct deposites it was devistating.
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| 08/24/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I opened an account with FNB ( https : //www.fnb-online.com/ ) and funded my account with the required minimum. After opening the account, two issues arose : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Day 1 : The required minimum ( {$50.00} ) didn't show up in my account or as pending, which is fine, but I called support ( chat was also available but was taking a while to move up in line ). Prior to being able to access support, I was asked about a pin number that I hadn't set, somehow I got past it but I'm not really sure what I did. The CSR said I should have put the last 4 of my social in, but I wasn't directed to do so in the call, I think I hit XXXX # and just hoped it gave me an agent. I ended up asking the CSR about if my funds were showing up and she told me there was nothing pending and I'd have to resubmit the deposit. I went to link my bank and it said to check back in 1-2 business days after the small deposits were made to verify, which is also fine. The next day ( today ) I logged into my other bank to see that the {$50.00} was debited, so I'm not sure why the CSR didn't have access to that confirmation at all.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Day 2 : I went to log into the account and was met with a form asking for the last 8 digits of my debit card, which of course I have not received since it's barely been 24 hours. I called the bank 's support and provided my SSN, DOB, Address, DL # in order to verify identity, which is another thing that is fine, but that's because I didn't have the account number or debit card # which is locked behind the bank 's login that I can't access one day after opening the account. The CSR today recommended I go to a branch and get a temporary card in order to log in, but that the closest branch is 30 miles outside of the city I live in, so they ended up recommending that I wait until the debit card gets here.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Both customer support reps were great and easy to talk to but it seems like there is a large communication issue at FNB and also too many hoops to jump through for things that other banks do not have issues with. The CSR I spoke to today ( Day 2 ) said I'm " definitely not the only person '' to have this issue and that my feedback about it being unreasonable would be passed along, though I doubt anything will be done if this is an ongoing issue.
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| 06/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX from FNB of PA sent me an email on XX/XX/2020 at XXXX with a pdf file attached, which said my XX/XX/2020 payment was late. I responded the same day on XX/XX/2020 at XXXX to FNB of PA and informed them I had already paid my mortgage to them in sum of XXXX via my XXXX XXXX . I have attached a copy of this correspondence. I also spoke to the assistant branch manager at the XXXX, MD location for FNB of PA on XX/XX/2020 regarding FNB mortgage dept. not getting back to me regarding them reporting negatively on my credit, after I was told previously by the telephone representatives with FNB of PA in XX/XX/2020 that they would allow me to send them information showing that my bank ( XXXX XXXX ) paid the wrong mortgage company. Attached is the correspondence from me to XXXX at FNB of PA. I was told by FNB of PA that the mortgage dept wanted my cancelled check from my bank ( XXXX ) showing that I had paid my second mortgage company and first national bank in XX/XX/2020, but that XXXX XXXX sent both checks to XXXX XXXX ( my second mortgage company ). XXXX XXXX made both checks payable to XXXX XXXX ( my 2nd mortgage company ), although I wrote in the memo of the check the loan-account number for FNB of PA. I found out later it was an error with their ( XXXX ) system which is why one check had a loan number for FNB and one check had the loan number for my second mortgage company in the memo. On XX/XX/2020, FNB of PA responded to my emails and said that the mortgage company for FNB agreed to remove the negative reporting that my mortgage was late XXXX 2020 since I could show that I paid them. I had filed a compliant with XXXX on XX/XX/2020 because FNB mortgage dept was taking too long to respond to me. However, the letter FNB sent in response to my XXXX XXXX XXXX and a previous CFPB complaint, said they were giving me back a late fee, but it did not say they were ALSO removing the information from my credit report as they previously agreed. FNB of PA mortgage dept had previously said they would do so once I showed them I had in fact issued a check from my bank to them with the loan number to FNB in the memo of the check and not to my second mortgage company. I am requesting that they remove the negative information from my credit report, as they previously agreed on XX/XX/2020. It was not my fault, I initially thought I did something wrong with XXXX but I did not, I did input the right information and loan number but my bank sent it to wrong company. I also attached the cancelled checks from XXXX XXXX which supports the loan number in the memo was for FNB in XX/XX/2020 and not my second mortgage company. I need FNP to do what they said they would do, remove the negative report from my credit.
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| 07/15/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
Servicemember |
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XXXX XX/XX/2023 Subject : Complaint against First National Bank of Pennsylvania for Denial of Claim Regarding Undelivered Online Purchase Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against First National Bank of PA regarding the denial of my claim for a purchase made online, where I never received the merchandise. I firmly believe that I should not be held responsible for payment on an item that was never delivered to me.
On XXXX XX/XX/2023, I made an online purchase from XXXX XXXX via XXXX using my First National Bank debit/credit card. The transaction amount was {$540.00} with an initial hold amount of {$190.00}. However, despite repeated attempts to contact the merchant and request the delivery of the purchased item, it has not been received to this day.
Subsequently, I initiated a claim with First National Bank in order to dispute the charge and seek a refund for the undelivered merchandise. However, to my dismay, my claim was recently denied by First National Bank, stating that the charge was considered valid and that I am responsible for payment.
This denial of my claim is deeply concerning and unfair. I fulfilled my part of the transaction by providing payment, but I have been left without the promised merchandise. It is unjust for me to bear the financial burden for an item that was never received.
I believe that First National Bank 's decision to deny my claim is in violation of consumer protection regulations and contradicts the principles of fair and responsible banking. As a customer, I should be protected against fraudulent or non-delivered purchases, especially when they are made through reputable online platforms.
I have made several attempts to resolve this issue directly with First National Bank, but their responses have been unsatisfactory, leaving me with no recourse. Therefore, I am seeking the intervention and assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure a fair resolution.
Enclosed with this complaint, you will find relevant documentation, including copies of the purchase receipt, correspondence with XXXX, as record of my communication with which clearly demonstrates my efforts to resolve the situation.
I kindly request your immediate attention to this matter and your assistance in rectifying this unjust denial of my claim. I also ask that you keep me informed of the progress made in investigating and resolving this complaint.
Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to protect consumers ' rights and ensure a fair resolution in this case.
Sincerely, XXXX XXXX XXXX
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| 02/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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Our loan is with XXXX XXXX Bank. We were on Covid impacted forebearance from XXXX 2021 through XX/XX/2021 for a total of 9 months.
We were approved for the XXXX payment deferral at the end of our forebearance of 9 months.
However, XXXX did not calculate the the XXXX XXXX XXXX accurately. On my monthly statements, the amount of the interest bearing XXXX is actually the XXXX XXXX. This means I now, per XXXX of PA, owe them the forebeared amount as well as the Gross XXXX so I am paying my suspended payments twice instead of once at the end of the loan. The amount of XXXX on the first statement after our foreberance ended is actually the forebeared XXXX plus the interest bearing XXXX. Furthermore, because the forebeared XXXX has been added to my interesting bearing XXXX, interest is accruing on the incorrect amount, and the amortization is not the way it should be and my excess to principal monthly from my monthly payments since XXXX XXXX through XXXX XXXX has been calculated incorrectly.
I have attached my account activity from - - please see the calculations- and you will see the forebeared amount being added to XXXX and then subtracted again. On my statements, you will the XXXX is actually the gross XXXX and the forebeared amount a couple of lines below - reflected that I owe both. My unpaid principal balance when I went on forebearance was {$95000.00} ( attached XXXX 2021 statement ). XXXX ended XX/XX/2021. We were off forebearance and were approved for Covid payment deferral - I made our first payment after forebearance ( {$820.00} on XXXX ) and after principal was deducted from that payment, the XXXX is {$95000.00} - which is actually the Gross UPB of {$95000.00} ( not the XXXX XXXX XXXX ) minus principal from the XXXX payment of {$140.00} ( also attached ) At this point, I am not even sure that the escrow shortage amount I paid in XXXX 2021 ( XXXX ) and my forebeared amount are accurate and/or have been calculated and credited accurately.
XXXX of PA needs to recalculate all of the amounts ( forebearance XXXX, Gross UPB, escrow shortage, escrow owed, what and how what I paid has been credited or applied ) provide me with the amortization to review amount of forebearance. There are many calculations, debits, and credits that don't make sense.
I have attached the activity on my account and you can see the where they added a forebearance amount to the Gross UPB then subtracted it and determined that result to be the XXXX. A lot of the calculations don't make sense- so I am also concerned regarding calculations of all amounts. I would like to provided the amortization schedule and have all amounts reviewed with me as they are recalculated.
Sincerely, XXXX XXXX
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| 01/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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IN XXXX XXXX I MAILED MY MORTGAGE PAYMENT TO XXXX XXXX. SOON AFTER, THEY CALLED ME TO REPORT THAT THEY NEVER RECEIVED THE CHECK, SO I MAILED ANOTHER CHECK. THEY APPLIED THIS CHECK, AND SUBSEQUENT PAYMENTS TO THE CURRENT MONTH, RATHER THAN THE XXXX PAYMENT, MAKING IT APPEAR THAT I HAD NEVER PAID IN XXXX AND DID NOT CATCH UP UNTIL XXXX. MY CREDIT REPORT REFLECTS THAT XXXX, XXXX, XXXX XXXX WERE PAID 30-59 DAYS LATE DESPITE AN ADDTL PAYMENT TO COVER THE MISSING CHECK. IN XXXX XXXX, XXXX XXXX LOCATED THE " MISSING : CHECK FROM 12 MONTHS EARLIER AND ATTEMPTED TO COLLECT PAYMENT ON THIS CHECK. THE BANK ACCOUNT IT HAD BEEN WRITTEN FROM WAS NO LONGER MY PRIMARY CHECKING ACCOUNT, BUT WAS STILL OPEN WITH A SMALL BALANCE. XXXX XXXX 'S POLICY IS THAT THEY MAKE THREE ATTEMPTS TO COLLECT PAYMENT, EACH TIME RESULTING IN AN OVERDRAFT FEE IMPOSED BY MY BANK. I HAD A CONFERENCE CALL WITH THE BANK AND XXXX XXXX IN AN EFFORT TO STOP THEM FROM MAKING THE ATTEMPTS. NEITHER INSTITUTION WOULD AGREE TO STOP THIS PROCESS, RESULTING IN SEVERAL HUNDRED DOLLARS OF OVERDRAFT FEES, AS WELL AS FEES IMPOSED EVERY THREE DAYS WITH A NEGATIVE BALANCE. MY BANK HAS A " POLICY '' OF NOT CASHING CHECKS AFTER 60 DAYS, BUT DID NOT ADHERE TO THIS POLICY IN THIS SITUATION. TO COVER THESE FEES, THE BANK WITHDREW THE FUNDS FROM MY SAVINGS ACCOUNT WITHOUT MY KNOWLEDGE. I HAVE TRIED TO WORK WITH XXXX XXXX TO CORRECT THE LATE PAYMENT STATUS ON MY CREDIT REPORT, THEY TELL ME THAT THEY CAN NOT REMOVE ANYTHING AS THE PAYMENTS WERE IN FACT LATE. THE PAYMENT WAS MAILED ON TIME, THEY OBVIOUSLY RECEIVED THE CHECK AND HELD IT FOR 12 MONTHS. I SUSPECT THAT THEY FOUND IT DURING AN END OF YEAR AUDIT. I ALSO SUSPECT THAT DURING THIS THREE MONTH PERIOD, XXXX XXXX WAS MAKING AN ATTEMPT TO HAVE ME RESTRUCTURE MY MORTGAGE. THEY BEGAN SENDING ME " HAVING TROUBLE PAYING YOUR MORTGAGE '' DOCUMENTS, OFFERING NEW LOAN TERMS. XXXX XXXX WAS CALLING ME TO ASK IF I COULD NOT AFFORD MY MORTGAGE PAYMENTS IN AN EFFORT TO HAVE ME REFINANCE UNDER THE GOVERENMENT PROGRAMS FOR HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES. THEY CONTINUE TO PLACE BLAME ON THE USPS, TELLING ME THAT THE MAILMAN MUSTVE BEEN HOLDING MY MAILED PAYMENT. THEY HAVE NO EXPLANATION FOR WHY IT WAS LOCATED 12 MONTHS LATER IN THEIR POSSESSION, WITH THE DATE OF XXXX XXXX. SINCE XXXX XXXX HAS DECLINED TO CORRECT MY CREDIT REPORT, I HAVE DISPUTED THE INFORMATION, WHICH HAS RESULTED IN A SIGNIFICANT DROP IN MY CREDIT SCORE, AS WELL AS THE ENTIRE ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. I FILED A REPORT WITH MY STATE ATTY GENERAL, WITH THE OUTCOME BEING THAT XXXX XXXX RAISED MY INTEREST RATE. I HAVE NOT BEEN ABLE TO COME TO ANY RESOLUTION WORKING WITH XXXX XXXX.
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| 07/28/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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The FNB 's online banking system is not stable, and it can't be open now while I am writing this complaint. So the below dates are what I remembered.
Several days ago, around XX/XX/XXXX I wanted to transfer all the remaining balance ( around {$710.00} ) from FNB to my other bank. One or two days later, I saw a new transaction that FNB charged me a returned item fee ( {$37.00} ). I was surprised, then I noticed that they have a {$0.00} transfer fee that I forgot to deducted when transfer. So I immediately contacted FNB by phone and ask the representative if they can waive the fee. They said NO, they can't return any fee. So I asked the representative if I can close my account. The representative said YES, and requested me to send an email to her with my full name, address, and account number. After the call, I immediately send an email to her. But she send an email to me that she can not close my account because my address is different than the one on file. She will need me to go to any branch or send her a notarized letter. I sent her another email stated my old address and current address, and told her I updated my address in the system in the morning. Probably the system needs sometime to reflect my most recent address. So I told her that I will contact her again to close my account once my address is updated in their system.
Yesterday, XX/XX/XXXX, I looked my account again, and found there was another {$37.00} returned item fee charged on my account. I don't know why FNB charged me again, so I wrote another email to the representative if she can waive the fee this time. Meanwhile I receive a message from FNB says my address is successfully updated in their system. So in the email, I also told the representative that my address is updated in their system, I would like to close my account. The representative said the transfer was pulled again and NO, they can't return any fee. I was so disappointed and mad because I don't know why and who pulled transfer and why FNB charged me twice. The representative also said they can not close my account unless I go to the branch or send her a notarized letter. I don't understand why they want me to do that even my address is successfully updated. Btw, the closet branch is 1 hour and 30 min away from me, and I don't want to spend more money and time to have a notarized letter. I am really upset and don't know what I can do to close my account. I can not believe that I can not close my account simply because I updated my current address in their website. I also don't now why FNB charge me twice the returned item fee and if they are going to charge me again and again even I didn't transfer.
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| 11/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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Good Morning, I have been working with FIRST NATIONAL BANK company employee named XXXX XXXX details are below. First i got introduced through the listing agent of the house XXXX XXXX, Since we liked the house, i went to my bank XXXX.
They denied my application stating that if am a self employed or having my XXXX less than 2 years i wont qualify as per XXXX XXXX guidelines.
XXXX XXXX NMLS # XXXX Mortgage Loan Officer XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Cell XXXX Fax XXXXXXXXXXXX I told XXXX the samething about my employment status, He asked me to provide all documents despite of my situation and i gave all possible documents back in first week of XXXX, he took nearly 20 days long and denied my application again he asked my profit/loss summary from my company asked my CPA to produce documents, which she provided. Again he told me my application is denied. Again he told me if i were a XXXX and worked for the current client, he would make it possible, again he came back to me asked me to Dissolve my XXXX and get a letter from my CPA. my CPA again wrote second letter and again he comes back and says my application is denied after 45 days of drama. My question is when i told my current situation of my employment, he should have told me right on my face its not possible.
He and the realtor are good friends, they were trying to get my initial deposit XXXX and again asking me to give another XXXX made me to fall on me on this messy trap. During the initial he asked me to do inspection and he took money for my credit application and appraisal. Why did he do all this, when there is a well laid plan by XXXX guidelines. During this entire process i worked with several lenders, the all denied in same day, XXXX, XXXX and XXXX as well. Because of your careless staff, the sellers are threatening me saying they wont give me XXXX dollars back, below expenses occurred due to your inefficient staff. To summarize.
1 ) Several hours loss of pay from my work. - not counted yet 2 ) Paid for inspection - XXXX XXXX ) Paid for Appraisal - XXXX XXXX ) Given Lease breakage XXXX XXXX ) Given XXXX Deposit for escrow - XXXX XXXX ) Paid CPA to write letters for doing work during weekend several times This whole process had created a mental trauma for me and my family, also we had give a notice to vacate our current place.
Please advise i want to handle this professional way, so that you or your bank does not get any name-fame issues. After all this he is forwarding my information to another lender.. ITS Total loss for me and my family.
Regards, XXXX XXXX
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| 10/11/2016 |
No |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Older American |
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I have a personal checking account with First National Bank of PA. Their corporate office is located in XXXX , PA.
Three weeks ago I wrote to them telling them to close out my checking account and put my line of credit on a billing cycle as I was moving and it was difficult to bank with them. By example when you call their customer service number, you are put on hold for 10 minutes at a time, each of the 5 times that I have called. When I call their XXXX XXXX branch in XXXX, PA., it rings busy all the time.
When I mailed them the letter 3 weeks ago, I monitored my account and it was never closed out and I never got the mailed monthly billing for my line of credit.
On Friday XX/XX/2016 I went to their branch in XXXX XXXX on XXXX XXXX. Stood around for 15 minutes and was turned away when the branch manager told me she had to go pick up her " kid '' and a teller would help me. The teller took my name and contact information and said that the girl that just left would call me on Saturday. Since my account was currenltly housed at the XXXX XXXX location, she said that the manager would also call me. Saturday came and went. Monday they were closed. On Tuesday, I called the XXXX XXXX branch and it was like I was talking to the man on the moon. Finally, they told me I had to call XXXX, the branch manager at the XXXX XXXX store. I called that number 14 times in a half hour period and it was busy.
On XX/XX/XXXX try, I got a teller who listened, took notes and was going to have the assistant branch manager call me. The branch manager was out. 4 hours later no return call.
Here is the crux of my complaint. The bank did not close out the account and put me on direct billing. There was about {$75.00} in the unclosed account, and the automatic payment overdrafted my account by {$4.00}. Then in 5 successive 3 day periods, I was charged {$12.00} per 3 day period for an overdraft that the bank created. I got no emails, letters or anything. When I talked to the branch I asked them to close out the account and refund the overdrafts. I also wrote a check for {$1000.00} and applied it against my line of credit. So far the bank has gone dark, not returned my calls and is probably charging an overdraft fee every 3 days. Coincidently, if the bank would have closed the account, I would n't have overdrawn the account and would have made a payment within the grace period of the loan.
This bank has no moral compass and they seem to delight in XXXX the customer at every opportunity. This is n't the first time I have had to deal with their egregious management style.
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| 07/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I purchased a house and the closing date was XX/XX/XXXX. The mortgage had a {$620.00} loan origination charge to buy a quarter percent lower interest rate. There were so many errors, issues and problems with the closing documents ( far too many to detail here ) that delayed the closing. Because it caused so much extra work for my attorney and so much stress on me and additional costs in attorney fees, the mortgage banking consultant at FNB ( First National Bank ) XXXX XXXX ( NMLS # XXXX ) called me late in the day of the closing and told me that FNB will be refunding the {$620.00} loan origination charge because of all of the errors. He said it would not be a refund or check and that it would be a credit applied to my mortgage on the principle. Mr XXXX even said they would credit any interest that has accrued on {$620.00} since the closing. Ever since the XX/XX/XXXX closing, I have talked to, texted and emailed XXXX XXXX numerous times to check on the status of the credit and it still has not been credited to date as of XX/XX/XXXX. It's been almost a year since the closing and he will no longer call me back or respond to my texts or emails. He is very careful and cunning and makes sure to never put anything in writing and only responds verbally over the phone. Mr XXXX even stated to me over the phone that he is not making any money since my loan closed and said he doesn't want to spend any more time trying to resolve the {$620.00} credit for me because he has other mortgages he needs to take care of now. Mr XXXX has given me numerous dates over the past year of when the credit would be applied but all of those dates have come and gone with no credit. He told me numerous times that he is just waiting on a signature from a supervisor and the credit would be applied as soon as his boss XXXX XXXX signed it. The last time I spoke to Mr XXXX a few months ago he actually offered to give me a smaller credit of around {$200.00}. I have called their customer service department and spoke to numerous people including XXXX XXXX, a customer service specialist who told me that there was nothing she could do about it. I have asked to talk to XXXX XXXX and have left messages for him to call me back but have never received a call back. I believe that XXXX XXXX originally tried to resolve all of the closing issues by committing to the {$620.00} credit without supervisor approval and his supervisors will not sign off on it. I will be remortgaging my loan as soon as possible and will never do business again with First National Bank 's mortgage department.
|
| 09/17/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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We called the XXXX branch of First National Bank of PA and spoke with XXXX there.
We explained that we needed {$8000.00} for hooking up to the sewage system that the city of XXXX XXXX had placed in last year. XXXX stated that the bank could extend the existing equity koan for another 6 years and it would increase the amount from {$150.00} that we have been paying to about XXXX. That was not a problem for the low income that we have to budget out.
Then on XX/XX/XXXX XXXX contacts us to tell us that they want us to go back to putting money into an escrow again. Not only for the property taxes but also for the house insurance. That will make our monthly payments over {$300.00} a month of which the bank knows that it isw more then we can afford. My husband brings home {$2200.00} a month. Do they expect us to buy dog and cat food in order to eat?
We are NOT remortgaging the house. We are trying to get an extension on an existing equity loan. We have been paying the property taxes and home insurance ourselves for about 10 years now. Then there is something about closing costs.
We have other bills to pay. Electric, vehicle insurance, gasoline for my husband to get to work and we still have fuel to heat the house for winter.
XXXX was told, on the phone, that we needed a " low income loan ''. This is her and the banks idea of a " low income loan ''?
And to inform everyone, I have not called the bank because nothing ever gets done correctly by those that operate the XXXX branch.
Someone explain to me how something as simple as extending an existing loan turns into almost another mortgage loam that we did not ask for? I should have gone with using another method of paying for all of it IF I knew that the bank would again XXXX.
I have all the print outs from the bank and will provide copies of them if they are needed for this complaint. Heck, they do n't even have the assessment correct for the property or the house.
I need something done before XX/XX/XXXX as tnat is when XXXX has it scheduled for my husband to sign the papers. NOT typing in what I told him about that.
Plain and simple! We can afford that {$170.00} a month but we can not afford over {$300.00} and still be able to pay other bills or buy enough healthy food and heating fuel.
We need help from outside the bank to solve this problem.
Ifwecannot get a loan that we can not afford, I will simlpy call the City Treasurer 's office and tell them to contact XXXX and let her explain how things got screwed up since they said to contact her in a letter that the city sent out.
|
| 09/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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I have an old checking account that I no longer use with First National Bank. I received a notice in the mail on XX/XX/22 saying it was overdrawn by {$25.00}. The last time I used this account was when I made a small deposit of {$45.00} on XX/XX/22. I had not received any notices regarding it's status of overdrafts.
When I went on line on XX/XX/22 to resolve the issue and close the account, I saw it was overdrawn by {$61.00}. All due to fees. Nothing was due to any expenditures I had made. The last actual expenditure I made from this account was on XX/XX/22 for {$9.00} On top of the monthly {$6.00} maintenance fee, which I can understand, I was being charged {$12.00} every THREE business days beginning XX/XX/22 when the account when in the negative due to the fees being assessed. Of course with each fee assessed, it went further into the negative. I received no email or other text notification of this issue. Again, the first notification I received, was by mail on XX/XX/22. Upon speaking to a few representatives of First National Bank, they saw nothing wrong with this at all. Even though the state of this account was not of my doing. They would not let me close the account until the balance is XXXX. I want them to reverse the fees. They need to " research '' their ability to do so. Meanwhile, fees will continue to accrue.
When I called to get this resolved, I wanted the fees reversed since it was not due to anything I had done, they said I agreed to this fee structure when I opened the account. However, First National Bank purchased XXXX XXXXXXXX XXXX, where I originally opened the account and my account was simply transferred. So I never actually agreed to these conditions, at least not that I recall.
I am not overly concerned for myself, I can absorb this. For me it's the principle and the absolute greed that irks me. What concerns me is the excessive and exploitative nature of these fees, hitting the folks least able to handle them, in most cases. It is practices such as these that keep poor people poor. As an old friend of mine and I used to joke, " It cost a lot to be poor ''. Back in the day we were. Exploitative practices such as these keep that statement true and they need to stop.
I would love to see First National Bank held accountable for these unnecessary practices. Such practices should not be legal and they need to stop.
I have attached a screenshot of the fees assessed that caused the overdraft charges.
There is also a screen shot of my alert file, showing no alerts were sent to me regarding this issue.
|
| 06/20/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
My husband and I have been banking with First National Bank Located in XXXX, Maryland XXXX, for the past three years. Two months ago when logging onto my online portal I was asked to Opt-in to the overdraft program. This is something that was routine with my account from the beginning so I thought it necessary to continue participation. Since joining this " Overdraft protection opt-in '' My husband and I noticed our transactions were not showing, pending and posted in the order in which the bank receives said transactions. After careful review of our Bank statements and {$550.00} in overdraft fees in the last 7 days we made a call to our branch manager " XXXX ''. I, personally called the bank last week at the onset of the first round of charges. {$110.00} on the XXXX of XXXX and {$74.00} on the XXXX of XXXX. These fees were assessed for debits totaling under {$5.00}. at the time a Bank representative " XXXX '' took my call and explained to me that debits where product is received such as food or gas post immediately. She said unfortunately she can not refund any of the fees because the bank needs to stay below 5 % in returns of fees or the " government '' will shut them down. This brings us to today ... Over the weekend my husband and I used our debit card for several very small purchases. Monday morning the account showed a balance of {$11.00} and ZERO overdraft fees. Several of our transactions were in a " pending '' or " posting '' status. By tuesday morning however all the transactions " pending '' had been moved around and a arch debit transaction of {$200.00} was posted FIRST even though the date on the transaction is three days later! On XXXX XXXX, 2017 the bank assessed fees in the amount of {$370.00}!!!!!!!!!!!!!!!!!! This was possible because the transactions were rearranged causing the largest transaction to hit first and in turn make the bank the largest amount of money. Had our account posted in the order in which it came in or appeared in the Portal our total overdraft fee would be {$37.00}. My husband called the bank and spoke to XXXX the Manager who condescendingly told him we need to learn to balance our check book. She also informed him that she deposited {$110.00} into our account on the XX/XX/XXXX to cover the fees when in fact, she WITHDREW the {$110.00} from our account on that date. My husband and I are beside ourselves.. Several items were rearranged including transactions from the same store! Date and time stamps do not lie! Please tell me there is something you can do, or we can do!
|
| 09/09/2019 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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|
Web |
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We had many lenders that wanted us to work with them including XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX when we purchased our home. Our realtor at XXXX XXXX XXXX referred us to her husband, a lender at First National Bank ( FNB ). He promised us a slightly better rate of 3 1/2 no points on a 15 year fixed but not until the day of closing we found out that wed have to pay over {$5000.00} to in fact get that rate.
First National Bank knew that we needed a construction loan to add bedrooms for our large, blended family. He knew that we needed to get the work done as soon as possible to ease the transition for our kids.
The contractor ( XXXX ) that we preferred using had also done work for us on our previous home, and we were happy with his work. XXXX gave detailed drawings and numbers for FNB. FNB informed us that XXXX wasnt approved for the construction loan and instead steered us to the pre-approved contractor, XXXX, for our construction loan.
However, FNB never delivered the construction loan. FNB instead gave us a line of credit at a higher interest rate. As construction began, we were told to keep issuing wire transfers to XXXX or threats that our construction would stop. Our house was completely demolished at this point, with no electric or plumbing. So we had no choice but to issue the wires from our LOC and complete the work. Again, we were threatened that the work would stop and the contractor would leave out of the country if we did not comply. We were also told that new fixtures would be ripped out of the walls if we didnt pay.
We are now in a house where the plumbing and electric are functional, but not complete. The electric box has open wires, our generator has not been hooked up, some plumbing is leaking or loose, tile work has not been completed, our fireplace is not fully installed, and other issues.
We need to complete the work but have completely lost all trust in XXXX. We have come to find out that First National Bank and our contractor, XXXX, have a side business. They also used underage children who should have been in school.
Because of First National Banks unprofessionalism, we are now in a bad financial situation. We have reached out to other lenders but they will not refinance our construction loan or LOC during active construction.
First National Bank steered us to a line of credit that we never asked for in the first place and said they would pay the point to get us to prime until we got the promised refinance.
|
| 03/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Older American |
|
On XX/XX/XXXX, my bank ledger balance showed {$73.00}. One online charge of {$50.00} came in and became, 'Pending ' debit, and Bank after reducing the ledger balance without paying, charged {$37.00} fee for OD. I do not have OD protection. My balance was {$23.00} ( after {$50.00} deduction ) at the time, and when I made a purchase of {$8.00} for food, it created a negative balance due to {$37.00} fee applied.
Bank uses this accounting method. Whenever a debit or credit card is used at the store, it shows up on bank current activities as " Pending '' and reduces the ledger balance by the amount without making any transfer to third party, and identifies as 'Available Balance. '' If another payment also shows up at the poinXXXX of transaction, then bank uses available balance and ( not the ledger balance ), without paying, and creates a negative balance. Then it slaps OD penalty and reduces the ledger balance further down and then the domino effects begins.
The {$8.00} charge had enough ledger balance to cover that amount, but {$37.00} fee applied, reduced the balance to a negative amount and after that all fees piled up. My daughter made a deposit transfer via XXXX of {$150.00}. Another deposit of cash XXXX {$350.00}. made on XX/XX/XXXX, also got wiped out, and then my Cable company prematurely, sent a charge of {$240.00}, and that too became a pending payment when balance was {$300.00}. XXXXXXXX XXXX slapped {$220.00} fee at the same time as a pending Item along with the other charges that had incurred but not yet paid.
When payments actually were paid on XX/XX/2022, bank first applied fees, reduced the balance again, and generated more fees to a total of {$390.00}. How can bank reduce ledger balance by charges that are not yet even payable? Which Generally Acceptable Accounting Principle is in play here? No contingent liabilities were created as bank had no obligations to pay, If balance is not covering the amount at the point of purchase. The transaction is void at the merchant 's cash register if the bank declines payment due to less funds. FNB bank has no business causing that transaction to be posted as pending, and slap fees when I did not sign up for OD coverage. I believe this is a creative way of forcing negative balances on paper, and charging fees, and deducting them before applying any deposit, as done in my case. I do not have OD arrangement with bank and did not ask them cover my charges if any.
|
| 07/01/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
XX/XX/XXXX First National Bank acquired XXXX branch offices from XXXX XXXX. As a result of this transaction both our checking account and savings account were automatically transferred to First National Bank on XXXX XXXX. Our mortgage remained with XXXX.
The XXXX XXXX Bank accounts were established ( XX/XX/XXXX ) as a contingency for receiving a mortgage. One requirement being to have the mortgage payment paid directly from the checking account. The only requirement on the savings account was to maintain a minimum of {$25.00} and all fees were waived.
At no time were we notified by either bank that this arrangement would change. In fact the mortgage was still automatically being deducted from the new First National checking account.
On XXXX XXXX we visited our local First National branch to withdraw our balances and to close our accounts. The checking account balance was what we expected but the savings account showed a balance of {$1.00}. I questioned this figure and the teller pulled up the account on her computer screen and explained that the reduced balance was the result of fees and finance charge for the account being inactive. I expressed my displeasure and the bank manager called the branch that was responsible for the account. She spoke with the assistant manager who offered to refund {$10.00} in addition to the {$1.00} balance but no more since we were closing the account.
As of XXXX XXXX we had not received a statement from First National or any communication about their policy on this savings account. As of this date, XXXX XXXX, XXXX, we have received only a notice of the account being closed. I am expecting to receive an end of quarter statement at the beginning of XXXX which I expect will agree with printout that I received from the teller on XX/XX/XXXX. It showed that the bank deducted {$10.00} " dormant account fee '' on XXXX XXXX. This is a mere 11 days after the account was transferred to First National. This was followed on XXXX XXXX with a {$4.00} " service fee '' and by another {$10.00} " dormant account fee '' on XXXX XXXX.
This whole thing over {$25.00} may sound petty but First National did the same thing to my daughter and her husband. I suspect that we are n't the only accounts that have been ripped off. This could be a substantial amount of money if they did this with every account that was transferred in the sale.
|
| 03/08/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
This involves XXXX XXXX from XXXX XXXX and XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. The proposed agreement was to refinance my property and provide an additional line of credit in the amount of XXXX XXXX XXXX, then after i produced the plans for construction, along with the total cost of the entire project for the building with condos on top of an existing structure, then we would move to funding the cost of construction of the condos which at that point i would be paying interest only while under construction.Then XXXX XXXX explained to me that after construction the loan it would be made permanent, however XXXX would take their money off the sale of the unites first to be made whole.
However everything which was said i was in total agreement with he stated he would get back with us within a weeks time, so within that nexts weeks period he stated its approved and he would have a term sheet, so when XXXX XXXX and XXXX XXXX came to my office he stated what i should sell the condo for and also stated to me that i will have my term sheet and he would start getting the appraisal put out for bid, and he would return on tuesday because monday the banks are closed due to presidents day but very importantly he stated we would have the term sheet on tuesday.however on friday when he seen i was XXXX XXXX after he came to my office, He goggled me and said he read some articles in the paper regarding an civil matter which was XXXX XXXX XXXX on me and said i needed to provide documents about that to get the deal done.So let 's keep in mind that we were just approved and closed on a XXXX loan inXX/XX/XXXX, However my wife owns this company and she is a double minority, This to me is totally XXXX discriminatory practices in addition to redlining to name a few. when is it the banks protocol to XXXX someone for the basics of a loan.In addition there are no XXXX XXXX in XXXX Pa, Doing construction, for that matter or even being a business owner. why because XXXX pennsylvania doesn't help promote or assist XXXX XXXX with becoming or even assisting with developments of business in this region of the state, Their belief is all an XXXX XXXX can to is work 9 to 5 not for ones self.In my humble opinion its banking practices like this which XXXX, institutes and Believes in and practices are XXXX and in these times should not be tolerated period.
|
| 02/01/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
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In XXXX of 2019 we funded on a construction loan and refinance of our house through First National Bank. The builder, XXXX XXXX XXXX XXXX, was vetted by First National Bank. We were told that the bank would be in charge of releasing funds to the builder as work was completed and after inspection. The builder was able to collect 90 percent ( {$67000.00} ) of the funds allotted from the loan without passing the necessary inspections. XXXX XXXX XXXX XXXX attempted to collect the final balance ( {$6000.00} XXXX and only was rejected when the appraiser came and declined to approve the final inspection due to shoddy workmanship and an incomplete project. It was after this that we discovered that the builder had failed multiple inspections by the county and continued to build, leaving us without access for the inspectors and possibly resulting in an entire tear down and rebuild.
The bank approved the release of funds without considering important documents and without properly performing inspections to ensure that the builder was building to code. The builder abandoned the project leaving us without a certificate of occupancy and with over {$30000.00} in repairs.
We are working with attorney XXXX XXXX of XXXX XXXX XXXX, XXXX, and have paid out thousands of dollars to try and recover the money necessary to fix the failed inspections and shoddy workmanship. We have contacted First National Bank several times to ask for support, but have been informed that they will not assist with our legal challenges. They confirmed that they approved the release of funds, but that they did not take inspections vital to completion into consideration.
If we are unable to recoup these funds we will be unable to fix XXXX XXXX XXXX XXXX 's mistakes and be left without a certificate of occupancy and remain shorted at least {$40000.00} in equity. The bank should bare responsibility for legal fees and court costs as they were responsible for inspecting and approving funds. We may lose our home if we can not afford the legal fees associated with this case and were never informed that the bank inspections would not include ensuring the project was completed to code. The lender is responsible for protecting the consumer to prevent this type of financial loss and ensure that customers are not manipulated by this type of fraud.
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| 04/19/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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My fathers wife had gone into the hospital on XX/XX/XXXX, very ill. When we found out that he needed our help my father was beside himself since his wife always dealt with every day expenses. My fathers wife wrote checks for the bills as well as for cash at the bank so to have cash on hand. On XX/XX/XXXX she wrote her last check for my father to cash at the bank, it was for {$500.00} for breakfast and supper he eats on a daily basis. Later in the month I had taken my Dad back to bank to see if he would sign a withdrawal slip which was completed by a bank representative for {$4000.00} and it bothered the bank but at this time my fathers wife daughter was staying with him and she had no interest in taking care of him, she had gone in once from what I was told trying to get into their account, but was unsuccessful. I was told as long as my Dad had checks he could get cash out of his account. When his wife pasted on XX/XX/XXXX they had paid for where to bury in XX/XX/XXXX but the crypt to open and close it, had to be paid first so in order to bury her we went to the bank to get the money which was {$1000.00}, this was on XX/XX/XXXX, One representative talked with us and had done a withdrawal slip and my Dad signed it, she also took and copied the Death Certificate, then came back and said that she would not allow my Dad to withdrawal the money, that he was not capable of knowing what he was doing. My Aunt is the executor of my Dads wife 's will she was with us plus she had to lend us the money to open and close the crypt so she could be bury the next day, Saturday the XX/XX/XXXX Since then we all decided to avoid the bank but my Dad wanted to get money to take care of himself and his pets, we just paid with what we had until it was more than we could take, his money is his and he should be allowed to it. On XX/XX/XXXX was the first day at the bank and when they had flagged the account and tried to say that he was not capable of what he was doing, I was on the phone with the FCC which connected me to you. I also told them that no one has gotten any report from a doctor saying that my Dad is not capable of getting money to take care of his needs, to do the bills is a whole other story, his wife did the bills. He was able to get the money but I was told just this one time, now I have POA to help him.
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| 05/19/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
Servicemember |
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FDIC Referral - XXXX I have numerous examples over the last year where I was charged an Overdraft Fee on a Transaction, that, when the transaction was processed I still had a positive balance on my account according to my bank statements. I have highlighted statements from the bank that shows there was a positive balance but the fee was charged and when that fee was charged, there was, in some cases, a ripple effect that added additional fees.
For example, on XX/XX/XXXX I paid a bill in the amount of {$280.00} which left me with {$14.00} dollars in my account. There were two other charges that occurred that day resulting in my account to be over drawn. Instead of only charging me the {$37.00} overdraft fee for the two transactions that were over ( which would have been a fee of {$74.00} ) I was charged a fee for all three transactions which ended up being a fee of {$110.00}.
This scenario occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and is about to happen again this month ( XX/XX/XXXX ). Cumulatively the fees in questions equate to over {$500.00} XXXX dollars that should not have been charged according to the bank statements that were sent which show the positive balances at the time of the transaction.
I have provide all the statements from the bank that show the positive balances and the associated notices showing that they charged an overdraft fee for the same transaction.
I have have this Account for well over 15 years and it has changed numerous hands going through at least 3 other banks. It wasn't until FNB took over in XX/XX/XXXX that there became an issue with how the overdraft fees were charged. I believe that there is a flaw in the formula that calculates these charges because otherwise I would have had the same issue with the other three banks that had handled my account. When I started researching this, I found TONS of posts from people that had the same thing happened to them. https : XXXX The Bank Statements that are generated and given to the Customer as a record of transactions for month, that should be the basis for fee assessments as that is the only record we have. If the Bank Statement says there was money in the account for the specific transactions, then there was money in the account and fees should not be charged.
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| 11/01/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
Older American, Servicemember |
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On XX/XX/2022, I purchased cashiers check for my sister in the amount of {$160000.00} from the First National Bank of PA in XXXX XXXX XXXX, MD. On XX/XX/2022 my sister informed me that the cashiers chased check and an amount of cash had been taken from her vehicle on XX/XX/2022. She stated that she contacted the police. On XX/XX/2022 I notified the First National Bank of PA in XXXX XXXX XXXX MD to request a stop payment on the cashiers check. I also contacted First Nationals customer service on the same evening of XX/XX/2022. On XX/XX/2022 I again contacted XXXX XXXX XXXX First National Bank. I asked to speak with the manager. The teller told me that she was with a customer who was opening an account. I called three times throughout the day to find out the status of the stop payment. Each phone call only revealed that they were working on it. They were busy with customers and could not locate the paperwork needed to proceed with the stop payment. Apparently, I need to sign an Addendum Form which states that the check was stolen, and it would need to be notarized. They would mail it to me. They are aware that I now reside in XXXX since I informed the teller when I made the first phone call. I asked them why they would not email it to expedite the stop payment. On XX/XX/2022 I again contacted First Nationals customer service. The customer service person stated that she would email the XXXX XXXX XXXX office with the complaint. I was informed by customer service that the complaint was forwarded to their fraud department for review. On XX/XX/2022 I again contacted XXXX XXXX XXXX XXXX XXXX. The teller stated that they are still working on it. I asked to speak to the manager. I was informed that the manager was in training. The bank did not contact me on XX/XX/2022. I contacted the First National Bank in XXXX XXXX XXXX on XX/XX/2022. They stated that they would send an email to the fraud department. I requested the fraud departments phone number. The bank told me that they did not have a phone number for the fraud department. So, I requested an email address for the fraud department. I was told that they could not provide the email address. A week later and I still do not have the forms to sign so the bank may proceed with the stop payment. Any assistance would be greatly appreciated.
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| 12/20/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Stop check.
I put the check written in my name into my bank on checking account. This check was written out personally in my award to those whose name is also indicated on the check and implies the owner of the account. The check was written out as a payment for the service and the material I had previously bought in the store for him. I made a deposit right away using the mobile application of my bank, as the bank was already closed at XXXX XXXX. The next day, after lunch, I went to my bank and asked why the money had not yet been transferred and I can see that transaction still pending. I was told that this happens and everything is fine. I showed the check, which I put, but the bank employee said that he was not needed. The next day, the entire amount was credited and added to the funds already in my account as transaction completed. After 5 days, I went to check the bank account and saw a loss of funds. The bank told me that I should solve this with the one who wrote me the check. The bank, in turn, took a fee from me. I stated that this was a fraud and asked : Why didnt anyone notify me of this in any way? What should I do? The bank said that I should look for and deal with the one who gave me the check. The manager said that this can be done for 3 years - to withdraw funds from previously issued checks. There was no answer to the first question. I went to another branch of the bank, where there was no answer to the first question, and they said to the second question that if you go up this street, there will be a court somewhere that will help you. I walked the whole street, but found nothing there. It is not possible to contact the person who wrote the check, and I guess that it was after he received the money from my account. I reported the crime to another bank, whose details were on the check, where they made it clear to me that they respect the interests of their customers. A couple of days later I received a letter in the mail, where I was notified of the charge-off. I wrote a letter to the main office of my bank and this turned into a correspondence. The fourth letter with my questions is ignored. They tell me events, trying in every possible way to ennoble their bank and now indicate that they notified me by mail. The bank returned the commission only.
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| 05/17/2017 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
Servicemember |
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On XX/XX/XXXX I had obtained a business loan from First National Bank of Pennsylvania. XXXX XXXX XXXX XXXX XXXX , PA XXXX for XXXX . I had fallen behind in XXXX of XXXX , In XXXX I had caught all 3 payments up to date, unknowingly that First national Bank filed a confession of Judgment, They had promised to remove the judgment and we paid half of the la te fees and attorneys fees. with no notice The loan was sold to a XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX . I did not find this sale out until XXXX XXXX XXXX , Balance of {$86000.00} when i had received a certified letter at that time we had constantly made arrangements to the payoff of our loan and another loan we were making payments on from a XXXX XXXX XXXX from another party that they were refusing to give a payoff on, after inflating our loans fees beyond our agreed contract amounts. We were forced for pay {$100000.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX , A XXXX XXXX serviced the loan Providing false payoffs & he did not relea se XXXX filing until XXXX XXXX and have not returned ou r XXXX truck title s that were collateral for the paid off loan that they knew our bank needed for our closing they purposely stretched this loan out past our commitment letter date with our bank and their Attorney XXXX XXXX Made false ma de damaging accusations to our new financial institution to extort us for additional funds. XXXX replied to our attorneys request for titles and stated first national bank had lost them and all XXXX XXXX XXXX XXXX , was copies and if we wanted the titled we would have to pay for them too them to get them and any fees associated. An absolute breach of contract documents we signed and were extorted over above. the loan was paid off 4 month early. With respect to the titles, XXXX never had original vehicle titles, FNB misplaced them and all XXXX has is copies of the titles. There are costs associated with title replacements and as far as XXXX is concerned, tha t is XXXX XXXX expens e if they want the paper titles. XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Phone : XXXX | Fax : XXXX vCard | Bio | Website
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| 10/28/2016 |
No |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I have a bank account in a state I no longer live in. I kept the account in case I needed to transfer to my mother 's account which I am a signer on. Since I am out of state I barely use that account. I use XXXX often and accidentally charged the wrong bank account. The account had about XXXX dollars and the transaction was for approximately {$40.00} which overdrew the account. My mom contacts me to say her bank account which I am a signer on had been closed because of the balance on my account which I am sole owner on had been overdrawn for 30 days. She said my account was affecting hers somehow so I called the customer service. Customer service told me to contact the branch directly since there was nothing they could do. I called the branch and by chance immediately got the assistant manager. He said there was nothing I could do and that I should have kept up with the account. I explained I rarely use it and live out of state that the charge was a mistake. He said he could not waive the overdraft fees that now total {$140.00}. He was rude and kept sighing repeatedly when I told him I wanted the fees waived and wanted to pay the overdrawn portion. He kept telling me I had to come in person to take care of the account I should have been more responsible with. I explained yet again I do not live in that state and am sole owner of the account so no one can make a deposit on my behalf. He took down my information XXXX and said he would call back on Monday because he has to contact the back office which was told I can not contact directly. They never even warned my mother that they were closing her account and charged me ridiculous fees on one small mistake with XXXX charging the wrong account. I just want to pay the overdrawn amount and not the fees that they kept racking up on me. They automatically withdrew from my mother 's account and overdrew hers to pay my account then closed hers so now her direct deposit on Monday will not be deposited and will be rejected. I just want to pay what XXXX charged on my account and not have these overdraft fees. THey never contacted my mother to warn her about her account being closed as well. I am a XXXX XXXX XXXX and the fact that this bank is taking advantage of a single mistake is immoral.
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| 11/05/2018 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
Servicemember |
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We are the seller of the property. Appraisal for property with accepted offer of {$330000.00} came in at {$310000.00}. Comps used were XX/XX/XXXX/XX/XX/XXXX when the most comparable property sold XX/XX/XXXX. Our home was listed XX/XX/XXXXand closed XX/XX/XXXX. The appraisal was incorrect and we sent detailed corrections to the First National Bank XXXX, PA XXXX XXXX Asst VP XXXX and requested corrections be made. The appraisal had many inconsistencies and contradictions. No value was given for 10 items. The appraisal stated that the neighborhood value of homes were consistent and appraisals generally fell no less than 5 of purchase price. In the Opinion of Site Value, he gave the home a value of {$390.00} ,XXXX and then said it was not a consideration for the appraisal. He stated no improvements were made in 15 plus years and the home is 4 years old. We contacted a real estate attorney for a consultation. The attorney agreed that we had no true value of the home. In addition, when an appraisal is contested, another appraiser does the appraisal. We offered to pay for the second appraisal but the bank chose to use the same appraiser. The bank Underwriter accepted the false appraisal and accepted the appraiser 's refusal to make ANY corrections to the appraisal. We asked for this in writing and were refused.
However, we do have phone and emails on the matter plus supportive documentation. Although there is no proof, the attorney said that these refusals can give the perception of collusion. I spoke with a local WV bank and was told they have never had an appraisal come in that far below the selling price and they assured me they would never provide a mortgage loan based on a false appraisal. Most disturbing was Mr. XXXX XXXX absolute determination to not review, discuss, or correct ANY of the items that were pointed out. He knowingly submitted a false appraisal. And in return, the First National Bank knowingly accepted the false appraisal. This can not be a viable or legal practice. We felt backed into a corner by all parties involved. We felt bullied and did not feel anyone had any interest in the outcome other that the money they stood to receive. We have no idea of the connection of XXXX XXXX XXXX relationship with the bank.
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| 02/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage was bought by First National Bank of PA from XXXX XXXX in XXXX.
I received a letter from both XXXX and XXXX XXXX about the transfer. However, the first payment listed on correspondence from First National dated XX/XX/XXXX stated that my amount due was {$1700.00}. This is double what I had been paying XXXX. So I called XXXX XXXX Bank ( henceforth referred to as XXXX ) to settle the matter.
During the call I was told that XXXX had not yet received documentation from XXXX and that I should not make a XXXX payment. I expressed concern that I would accrue interest or get a credit ding for a late payment. I requested a written letter stating that I did not have to make the payment, but the woman on the phone said it wasn't necessary and assured me that everything was fine. Payments would begin on XX/XX/XXXX, no interest would accrue and no credit dings would be reported.
In XXXX ( XX/XX/XXXX ), I got a letter from XXXX informing me that my account was delinquent. So I called back the person I spoke with assured me that everyone was aware of the XXXX problem and that the letter was just auto-generated by the system. I asked if I could access my account to review the information and was told that account was still not set up. Again I was told not to make a payment until XXXX and to ignore the XXXX payment.
When I called again today ( XX/XX/XXXX ) to see if my account had finally been straightened out, I was blindsided by a representative telling me that my account is 21 days past due. I went through the whole explanation about what had happened and was told that " due to an error in communications my XXXX payment is past due. '' So that means I was told repeatedly not to make this payment, and a week before my next payment is due, their collections department is insisting I pay XXXX. Well as you can imagine, that money is no longer liquid, in fact, it's very solid, in the form of a new sofa table.
The people I spoke with in collections basically said that it FNBs fault for lack of communication about the situation, but what is in their system is the final word. All the while, I can't see the system. So they messed up big and now I'm dealing with the repercussions.
I have never felt so helpless and violated.
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| 06/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In XX/XX/XXXX, First National Bank approached me with an offer to Skip A Payment in XXXX or XXXX. I sent them the form and a check for {$50.00} to pay the interest plus a few cents on XX/XX/XXXX. My payment was not due until XX/XX/XXXX. I always round my payments up to the nearest dollar and allow the difference to go towards the principal. I assumed that everything was fine. I did not receive any communication about a problem. On XX/XX/XXXX, they contacted me for the first time with a past due notice. I assumed it was in error, because the total amount due ( {$360.00} ) on XX/XX/XXXX on the notice was under the last payment received of {$370.00} on XX/XX/XXXX. I contacted First National through the customer service line in the beginning of XXXX. On this phone call, I explained my confusion. I sent the {$50.00} interest only payment on XX/XX/XXXX, a {$400.00} payment on XX/XX/XXXX, and a {$370.00} payment on XX/XX/XXXX. At no time in the past three months have I been late on my payments. The customer service agent told me that my account does not reflect the Skipped Payment offer. They did not cash my check. She could not help me any further, but offered to have another representative of the bank call me. I never received a telephone call to correct this situation. On XX/XX/XXXX, they sent me a past due notice that states I have {$330.00} past due, a late charge of XXXX for a total amount due of {$360.00} on XX/XX/XXXX. In order to bring my payment current, I paid {$400.00} on XX/XX/XXXX. This is over the total amount due on the notice. This did not correct my account. On XX/XX/XXXX, I received a past due notice that states I have a {$300.00} amount past due, a late charge of {$33.00} for a total amount due of {$340.00} by XX/XX/XXXX. In order to bring my payment current, I paid {$370.00} on XX/XX/XXXX. This is over the requested amount and several weeks early. This did not correct my account. The bank sent me a letter on XX/XX/XXXX stating they have attempted to contact me about this matter by telephone. My cell phone records show no attempts by First National Bank to reach me in XXXX. They have not left a single message on my phone. I have not spoken to anyone at First National since I made contact in XX/XX/XXXX.
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| 02/14/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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Loan started out as a 30 year property loan but did not have the escrow added to it but we signed the papers anyway and the loan officer stated he would take it back and redo it with the escrow added to it, approximately 1 year later he came back with a business loan with a five year bloom payment and i had to put my home on this loan. after running the business for almost a year and mailing my payment directly to the loan officer there was nothing i could do but sign the loan or lose my business because the money had already been used. In XXXX my accountant found out that i owed more than what my original loan was and called the bank and they gave me credit for interest and late fees of XXXX and XXXX. When the five year bloom was do again they said they would add my line of credit to my loan and we paid our payment. then when this five year bloom payment was due they would not extend my loan due to me not paying on my line of credit. After talking with the bank and making payments on my loan and line of credit since XXXX of XXXX without a loan they still act as if my loan is a secret and have refused to help us. Many time throughout the years just trying to get information about my loan they say they can not talk about it and never call back. In the past two weeks they have sent a appraiser to both my house and business with her stating that she could give a 20 year loan but since then has switched it to she will only give me 3 month or maybe another 5 year bloom with my home on the loan. The original loan Officer has been let go and the bank was bought out by another bank over the last ten years and no one would talk to us so we decided to go to another bank to try to get a loan and with this bank saying i have not made my payments since XXXX my credit score is now bad and will not help me out. So since XXXX me and my Family have been scared we are going to lose my home and business, we have called several times and have asked for meetings with loan officer and the president of the bank but they say they are to busy and are to far away all we want is a fair chance to clear this matter up. We have papers from our accountant that we are making our payments, but no one seems to want to help us small people out.
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| 12/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I contacted the holder of my XXXX XXXX XXXX XXXX, PA - XXXX to apply for forebearance for hardship related to the pandemci under the Cares Act. Customer service represenative XXXX was very persistent about asking speific questions related to financial need for forebearance and asked questions regarding employment and finances my financial outlook. XXXX also suggested numerous times that they would allow until the end of XXXX to make my XXXX payment. He also initially advised that missed payments would be due all at once, as a balloon payment, at the end of the forebearance period - I did dispute this and pointed out that it is a federally backed loan and a balloon payment can not be required as a repayment plan. He backtracked and said the only other repayment option would be the missed payments would have to be doubled up for subsequent payments after the forebearance ended - i.e. each month after forebearance I would have to make 2 payments a month until I was caught up. I don't think he can determien what the repayment options will be and also with federally backed loans I don't think they can require such stringent repayment options. He said there would be no other repayment options available. XXXX then continued to probe and question my financial situation - I had to insist that my request for forebearance be initiated and processed. XXXX advised that I would be receiving forebearance paperwork by snail mail - I expressed concern that I would miss the XXXX XXXX deadline and questioned about possibility of processing request online- he said there is no deadline. Finally, he told me the forebearance period would be determined by his managers - they would determine whether it would be 3 or 6 months and I would find out once I received the hard copy paperwork in the mail. I am upset by the persistent probing of my financial situation, the scare tactics of the stringent repayment options which don't align with the Act for federally backed loans, the lack of information regarding this forebearance on the website, inability to apply online and only via snail mail, the practice of them determining the period of the forebearance, and my concern that I am being told there is no deadline.
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| 01/13/2017 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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my account went into the negative because of an overdraft, however i was never notified of the issue. i went to use the card around XXXX time and realized there was a issue at that time upon looking into it i realized there was a overdraft charge and it was in negative.
on XX/XX/XXXX i revived a overdraft fee of XXXX however i was never told there a issue prior to this event happing or charge being placed. i contacted branch in mcadoo, pa and spoke to a XXXX who said he would look into it. upon me calling back he told me to contact costumer service who i called and they told me the prob. that i was never notified was because alerts were not working and that " IT '' was working on it but it was a known problem ( i have call recorded ) and that also dueing holidays and anytime the bank is closed for holidays no alerts or account notifications are sent out so if i have alerts setup on my account i will not receive any alerts dueing that time if everything was working, but again the alerts we not working. i contacted XXXX back and told him i should not be charged because i was never notified in attempt to fix the issue before charge and that i was told the alert were not working, customer service also said they would call and tell him as well. However the bank decided to keep the charges there and additional charge me XXXX as follows. ( XXXX on XX/XX/XXXX. then XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) thats a total of XXXX on XX/XX/XXXX alone. XXXX as overdraft fee and then the XXXX as auto overdraft fee.
I SHOULD NOT HAVE TO PAY ANY OF THIS AND SHOULD BE DUE A REFUND OF THE ENTIRE AMOUNT OF XXXX IN FEE 'S BECAUSE I WAS NEVER NOTIFIED, I TOLD BANK IT WOULD BE HANDLED BY DIRECT DEPOSIT, AND CUSTOMER SERVICE SAID ALERTS NOT WORKING AND I WAS NEVER NOTIFIED BEFORE THE ORG. XXXX CHARGE THAT A PROB. WAS EVEN ON MY ACCOUNT.
THE BANK FIELD IN DUE PROCESS OF NOTIFYING ME AND I HAVE FULL ALERTS SETUP ON BOTH CELL PHONE, AND EMAIL AS WELL AS ON THE BANKS MOBILE APP. AND I NEVER GOT ALERT OR NOTICE. IF I GOT AN ALERT OR CALL I WOULD HAVE CORRECT IT IMMEDIATELY AND NO OVERDRAFT CHARGES WOULD HAVE HAPPENED i have 100 % all calls recorded and documented..
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| 04/26/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX I opened up a Business checking with First National Bank, Biggest mistake I ever made!!!!!!!! From the get go, they made mistakes opening the account.
The day after I received a phone call from XXXX XXXX stating that she gave me the Signature Card, and Overdraft document that were signed by me by accident!! I have had bank accounts for over 40 years and have NEVER had that happen. I checked the account on line on XX/XX/XXXX and it had PENDING transactions. I had a car breakdown over the weekend and had to use all my cash to have it repaired because I was stranded! I called them up and told them that I would deposit to bring the account in the positive. They said I had until XXXX XXXX. I made two deposits, one at XXXX for {$100.00} and one for {$160.00} at XXXX, and {$5.00} in a drop box at the XXXX XXXX XXXX branch in XXXX, PA. For a total of {$260.00}. They said on the phone yesterday ( XX/XX/XXXX ) from the XXXX, PA branch, that I should do my business elsewhere, and she lied and said that I wrote " starter '' checks, I used checks that I had printed! She said even though the transactions were pending, she was going to close my account. I did not like here one little bit, she was very nasty, and should not be working there! I assumed that all the checks would be paid because I had the funds in well before XXXX! On XX/XX/XXXX I checked my account on line, they did not pay the transactions!!!!!!!!!!! And all the funds are in the accouont, and the account is NOT CLOSED!!!!!!!!!!!!!!!!
I wrote the checks to XXXX XXXX, and they said if first national bank does not pay them, I will get a {$30.00} fee for each one!! I have never, ever had a check bounce at XXXX XXXX, and they verified that!!!!!!!
First National Bank should be fined for unfair business practices, and another law suit should be filed against them!! They told me they would pay all transactions for 7 days, and they are not paying them!!!!!!!!!!!!! I looked them up, and they have less than one star rating, and I can see that they have pulled this stunt before!!!!!!!!!! I have never, in my life had a bank do such " shady '' business practices ever!!!!!!!!
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| 11/30/2016 |
No |
- Money transfers
- Domestic (US) money transfer
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Web |
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I became friends with a gentlemen I met on XXXX, who explained he was a XXXX over in XXXX XXXX. After we had talked for a couple of weeks he asked if I would help bring him home early for the holiday ( XXXX ). I asked why his family was n't helping him, and he said that his father had died in service and his mother recently in a car accident. I felt really bad, so I asked what I could do to help. I told me that he needed to transfer {$3000.00} into my bank account so that I could then send it to his agent in Texas. She would then send him his ticket home. I know nothing about the military, but have always wanted to help in some way. I felt I was helping this man ( he went by the name XXXX XXXX ) get home and out of harms way. So he then, asked for all my bank info and assured me that it was his money going in there for his ticket home, and all I had to do was wire the money to his agent in texas. He even sent me a picture afterror the {$3000.00} was transferred into my account. The next day I wired {$1500.00} ( with transfer fees it came out to a total of {$1600.00} ). That was the max amount, because then my bank account was frozen. After the money was sent XXXX XXXX stopped talking to me. When my friend looked him up on XXXX, he had several new accounts. I sent an alert to XXXX that the accounts were fake, and they were then taken down. Days later the scammer was back up on XXXX and you can find him there today. The next day I received a call from the fraud department from my bank telling me that my bank account was drained. I went into my local branch, unfortunately the man I had never dealt with fraud before, and was confusing me. After I explained the situation to the bank, I then went and filed a police report as well, like the bank requested. I was told that my bank account would only be frozen for 10 days. Then First National Bank increased it to XXXX. ChecKS bounced, I could n't cash checks, and now they are telling me I have to pay all this money back!
I was scammed, I do n't even make that much money in a month! I thought I was trying to help someone, and now I 'm the one paying for it. That is not right.
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| 11/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is an issue with my XXXX credit report not reflecting my mortgage or Heloc loans.
XX/XX/XXXX - Notified via my XXXX app that my score dropped XXXX points ; looked at my report and saw that neither my primary mortgage or my Heloc were reporting from First National Bank ( FNB ) as usual ; sent an email to XXXX inquiring about this issue XX/XX/XXXX - received email from FNB that mortgages are in good standing and have been reported ; told to use the credit section of my FNB app to sign up for credit reporting through XXXX XXXX XXXX XXXX', of which I did not do this since they are not one of the top XXXX credit bureaus ; filed a dispute with XXXX ( XXXX ), also filed a dispute with FNB ( XXXX ) ( No response at all from either company ).
XX/XX/XXXX - called XXXX again and told by XXXX that FNB is not reporting ; that XXXX can not assist me ; dispute was useless XX/XX/XXXX - sent email to XXXX customer service that they are in violation of the Fair Credit Reporting Act due to their unwillingness to correct inaccurate information XX/XX/XXXX - told by FNB mortgage representative ( XXXX ) that XXXX refuses to report ; told this is affecting all FNB customers yet the FNB mortgage services department will not release anything in writing to it's customers and said their legal department is " aware of the issue '' yet no notices were sent XX/XX/XXXX - called XXXX again and was told that " what is showing is reflecting what FNB is reporting '', yet the other two reporting agencies of XXXX and XXXX are both showing my FNB loans ; XXXX refused to assist and refused to file a new dispute.
XX/XX/XXXX evening- received a call from FNB mortgage department ( XXXX ) stating they had just received an email that XXXX 's reporting should be " turned back on '' by Thursday, XXXX XXXX.
Both companies are in grid-lock saying it's the other one 's fault. Neither have fixed my report and both have failed to notify customers or respond to disputes for two weeks. I have documented this in writing to both companies. Someone is not telling me the truth.
|
| 03/19/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
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Web |
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At least 2 years ago I ran into problems with my bank over their claims that a check that I tried to deposit was fraudulent. At the time I had been trying to find jobs that I could do that were more independent, work from home and more like me being my own boss due to certain medical limitations that I have that prevent me from driving and that therefore get in the way of me being able to hold a full time job responsibly in a way that employers would be satisfied with. So one of these things was being a mystery shopper with a company I found on the internet in which they supposedly would send out a check for so much for me to then go mystery shop in different ways or for different reasons or things and get paid for doing the research. But the bank claimed the check I got was fraudulent. So I printed out all the emails pertaining to this and showed it to them, but they still wouldnt research it to verify whether or not if they may have made a mistake. So they froze my account and prevented me from either taking anything out of it or depositing anything into it and never let me retrieve my money out of it and now ( as of XX/XX/2021 ) claim that the accounts been closed and that they didnt keep or steal anything from me. But I know I still had money in my account that didnt have anything to do with any check ( {$140.00} ) back then and now it even shows on the XXXX website that I have cash still just sitting there. And recently, I began a new online business and my first payment of {$80.00} based on what the debit companies website shows mistakenly got deposited into that old account also due to how when you set up the account with the debit company they automatically pull up your banking info and enter it themselves. Which also tells me that the account isnt really closed like the bank is trying to tell me that it is if a place like a debit card payment company can still mistakenly pull it up as an open account. So I want my money back from this bank and for the account to really truly officially be closed. Thank you.
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| 02/13/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On Thursday XX/XX/2018 I recieved a text alert that my bank account went below XXXX. I checked my account and XXXX XXXX in XXXX XXXX, AL took out {$910.00}. I live in Pennsylvania. I immediately called my bank and cancelled my card, filed a police report, and a formal complaint with XXXX XXXX. I found out the next day that several other people in town had something similar happen to them. Their banks all put the money back in to their accounts with the understanding that if it turned out not to be fraud they would take the money back out. My bank, First National Bank ( FNB ), said they can not do that until after the investigation is complete whether that be a few days, weeks, or months. I explained to them, why would you want all my checks and other bills to bounce on the account and then rack up a bunch of overdraft fees. For example, if my mortgage came out and bounced, it would be a {$37.00} fee, then that fee doubles every 3 days. This would the case with each overdrafted transaction. Then when I got paid the following Friday, they would take the money from that check deposit to pay the fees, thus putting me back not only over {$900.00}, but also the several XXXX dollars of fees that would have built up by then. I spoke with 5 people in the company, I have 3 names, a XXXX, XXXX, and XXXX. XXXX was the only polite one. They all agreed they did not agree with FNB stance on Fraud charges. However, refused to help me get my money put back. Instead I had to empty out my savings and max out my credit line ( thus affecting my credit score ) and borrow money from a family member to get my account just enough to cover the checks that were already out, so that they would not bounce and I would not be behind EVEN more with my finances. This is such an unprofessional way to help someone who was clearly hit with fraud and I was not the only one effected by the same debit card hack. I spoke with a lawyer and she said that FNB is infamous for how difficult they are to deal with and help you when money is taken from you.
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| 09/07/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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I went online First national website to obtain information about closing an account for a decease. The website instructed me to call the customer service number regarding bank accounts. I called customer service on XX/XX/2022 and spoke with XXXX at XXXX XXXX. I asked about the process of closing an account of a deceased person. I was placed on hold, and she proceeded to inform me I will just need to go into a First National Bank with a death certificate to close out a bank account. I asked should it be the branch the deceased normally banked. Or any branch? XXXX stated any branch.
On XX/XX/2022 around XXXX, I went into the XXXX XXXX and XXXX XXXX assisted me. I lead the conversation by informing I was advised by customer service, to go into a branch location with the Death Certificate to close an account for a deceased. She took the death certificate and asked did I have a letter that I am a trustee to handle my grandmother 's affairs, I inform her I did not. XXXX made a copy of the death certificate anyway. She stated she can only flag the account but without the letter of trustee can not close it. I asked if customer service was aware of this because I was informed the death certificate was the only document needed. I went back a few minutes later to request a copy of the policy of closing the accounts for the deceased. XXXX stated it is internal there is no policy to view. I asked do you at least have the policy for just closing an account in general. She stated it's internal and the website will instruct to come into a branch. The website does not instruct to come into the bank it instructs to call customer service.
I followed the information that was given to me and there is no written policy to verify which employee information is accurate. My family already must deal with grief, and to also get misinformation is placing an added burden on the situation. I have also sent a certified letter to their headquarters Tracking number : XXXX, They are still charging overdraft fees to the bank account.
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| 02/02/2018 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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1st thing I should say is I am XXXX and on social security XXXX because I XXXX XXXX XXXX.
This is concerning a non secured personal loan. from a bit over 9 years ago.
In XX/XX/XXXX I was served with papers to go to court over this and the officer said and showed me on the papers if I did not show up they would arrest me and hole me till my next court date. He said the judge had the ability to do that if someone does not show up and they ask her to.
I went and never saw the judge because the atty, took me to a room and tried to tell me I had to swear on a bible to tell the truth and so forth just like I was in front of the judge, I confronted him about this and he shut up and tried to railroad me into signing papers saying I would pay the debt. I told him I could not afford to pay my living expenses at the time and that I was XXXX and could not pay. He kept trying to railroad me by asking what amount i was going to pay each month like I had no choice. I rather rudely at that time told him to stick his papers where the sun does not shine and I was not signing a dang thing. AT that point he thanked me for showing up and told me I could leave.
On `XX/XX/XXXX, I got a letters from the original company at a minimum of 8 times since then I just ignored them. Today I got one with an stamped return envelope and a letter asking how much I was going to pay. There was another asking me to call the manager. I did and I told him the same thing I told the attorney in court and he gave me a line about how I could sleep at night, from there things got heated and at one point he dared me to come down there when he got off work or even now and he could clock out and we could take it up personally. He then made a veiled threat that he had my address and what he did off company time was his business and hung up on me.
I admit I did call him back and used a few words I will not type here. At that point he told me he was going to call the cops on me for harassing him.
That is all that has happened so far.
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| 10/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
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|
Web |
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Main complaint : Monthly service fee of {$29.00}.
What happened : 1. I opened a business checking account around XX/XX/XXXX and initiated a bank transfer or XXXX immediately, which the money deposited around XX/XX/XXXX. A few days later i received my debit card, i tried to use debit card and the card is not working.
2. After several calls with the customer service rep of trying to resolve the debit card issue, I was told that my account is dormant and they need to remove the dormancy status. The rep left a voice mail from the number ( see attached ). ( Later this turns out this is the rep 's mistake ) 3. After a few days - the card is still not working. I called again. and this time i was told, my business debt card was INCORRECTLY attached to my ( previous ) existing personal checking. In the personal checking account due to no transactions and it's marked as dormant. Because of this mismatch- my business debit card was not able to use. They eventually get it fixed.
Fees : 1. On XX/XX/XXXX, i see a few of {$29.00} getting charged to my account. The account has 2 ways to waive fees : I called the customer service and i was told that because i am not able to meeting fee requirement.
2. On the website it says 2 ways the fees can be waived : {$1500.00} or more minimum daily balance in this account, or {$5000.00} average daily balance in this account 3. I talked with the customer service rep that for two reasons that i think I should NOT charged the fee Reason A : The debit card was not able to use, thus, the bank failed to fulfill the service obligation.
Reason B : I immediately deposited XXXX into the account after account opening ( to meet the requirement ). The customer service says because the money takes a few days to transfer - during this window the account has a lower than threshold balance thus I'm being charged. I argue that this is a fatal flaw- for every customer who opened their account online. As i do not think at account opening there's a way for me to deposit XXXX.
|
| 09/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We were scheduled to close on our new home with lender First National Bank on Thursday, XX/XX/XXXX. An hour before closing, our lender informed is they didn't have the appraisal. It was the first time we were informed. They assured they thought we could still close by the end of the day or the next day so we waited and had our house packed up by the movers. We couldn't get any updates or information. On Friday, still no updates and still no closing. However, when I called our builder, I was informed that no appraiser had ever contacted any of them or the agent to request access to our newly constructed home to conduct an appraisal. By end of day Monday, XX/XX/XXXX, we were notified that that appraiser had gone MIA and no one could locate or contact them. Our builder demanded contact information for the XXXX and they wouldn't provide it. On XXXX, XX/XX/XXXX, they suggested they'd find a new appraiser and start over. We had to move out of our previous home on XX/XX/XXXX because our rent back was up so we now had to pay nearly {$5000.00} for movers to move our house into storage, {$5000.00} for storage for our entire house, plus {$500.00} to cancel our initial move date. We also had to move our family ( including XXXX kids and XXXX dogs ) into a hotel. Our builder and us contacted the new appraisal company and were able to engage an appraiser to complete the appraisal on Thursday XXXX, submitting it that night. The lender said they probably still can't close this week because the underwriter is out of the office this week. They sent a new disclosure with a new closing date of XX/XX/XXXX! We will be out of pocket almost {$15000.00} by that point because of their XXXX up, not taking care of the appraisal on time or verifying if it was completed. The closing company has been in possession of nearly {$400000.00} of our funds for more than a week now and we still can't close. Our kids are forced to stay 30+ minutes from school and activities. They won't give us any updates or any help.
|
| 08/09/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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XXXX XXXX XXXX sold our loan to First National Bank and IT HAS BEEN A NIGHTMARE trying to make our first payment. Between the terrible website to not being able to link our personal checking accounts to being forced to open a checking account with them in order to pay. We then transferred money and it still does n't show up. We received notice on XX/XX/XXXX that our loan was sold to them and that payment was due on XX/XX/XXXX as well and we have an additional 15 days to pay. Customer service on the phone is wholly unhelpful and they do n't respond to messages on our internal website. Customer Service wait time is a minimum of 10 minutes and have failed with several requests, request to open a checking account was delayed, then denied, then approved, then links to account was unavailable, and they have been unable to track any of these requests nor find them in most instances. Further, when asked if we can pay over the phone, we were told we ca n't pay over the phone until it 's delinquent. So, they are punishing us by getting more late fees. The only suggestion was that we drive to pay in person in XXXX MD which is the closest location. Their unwillingness to work with us and inconvenient/convoluted process seems like one of the fee grabbing activities this bank participates in. So, the fee generating activities do n't stop there, you can not pay your mortgage from an external account, I repeat, I ca n't pay mortgage directly. You have to set up a checking account within the bank, so if you do this in time to dodge fees you still have to fund said account. The catch here is that you can only fund your account a maximum of $ XXXX per day, $ XXXX monthly max, and a {$0.00} fee per transfer. So every month we are already giving them at least {$1.00} to fund an account to pay the mortgage through the bank. This is a scam of a bank and is set up to generate fees and one must exercise an extreme amount of caution to dodge the maximum amount of fees they are attempting to impose.
|
| 12/03/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
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|
Web |
Servicemember |
|
When we applied for a home equity loan, our bank contacted XXXX XXXX XXXX to do a search. We were called by the bank and told that company said there are XXXX liens against us. I knew that was wrong so I called the courthouse and had copies of the judgements sent to me. It only took me one minute to see that the only thing that matched was my husband 's name. Birth date, address and SS # were all different. I called the XXXX XXXX XXXX company and asked if I could send them proof that these liens were not ours so they could correct their records. They told me no because I am not their client and that I would have to go to the bank and have them correct it. I asked how they could make XXXX such errors and a manager, XXXX XXXX, told me that all they do is match a name to a county. They do not check further unless their client ( in this case my bank or their underwriters ) requested it. So I went to the bank and the manager said they simply have us sign a form declaring that those liens are not ours. They do nothing to correct the error or remove those liens from our report. I asked her to help me find a way to correct this because we did not want our name connected to these offenses. She said she would pass our request on to the underwriters. The underwriters accepted the document we signed declaring the liens were not ours but were n't interested in clearing up the error. Why would any company be allowed to attached lien information based on name only? We live in a small town and there are XXXX or XXXX men that we know of with the same name as my husband, XXXX. I ca n't imagine how many there are in the whole county. The manager at XXXX suggested we were lucky there were only XXXX. That 's XXXX too many as far as I am concerned!! If I had not been such a good customer and well known in our bank, this information could easily have been used to deny us a loan. Someone should be responsible for correcting this but so far no one accepts or cares about it.
|
| 01/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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|
Web |
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I called the XXXX XXXX XXXX with another finance company on a 3 way call the week of XXXX XXXX. We asked for a payoff balance with a 7 day accumulation. I was given a balance of {$1100.00} which XXXX XXXX XXXX sent and XXXX on XXXX XXXX. The week of XXXX XXXX, I received a payment receipt stating that I had a remaining balance of {$560.00} and that the payment submitted did not pay off my account. I called and spoke with the branch manager of the XXXX XXXX location on XXXX XXXX at XXXX XXXX est. I explained the situation to her and she stated she has no record of anyone in the office giving me this information an does not know how we came up with that calculation to pay. She also proceeded to rudely explain to me how interest is accrued and stated that I should know the amount of my loan and what I 've paid thus far. I asked if she was going to investigate who gave me the mis-information and she stated she would " handle her business ''. I asked if there was a way I could file a complaint and she gave me the regional manager number XXXX XXXX and falsely told me that he was in XXXX. I spoke with XXXX XXXX at XXXX and explained the situation to him and he also stated the remaining balance and said if their was some kind of record of the call where I was giving the wrong pay off balance or notes he could reference maybe he could do something but until then there was n't anything he could do for me. I reached out to XXXX XXXX at XXXX XXXX XXXX to see if the call was recorded from when we received the pay off balance and it was not. He did state XXXX from XXXX called him and said that we were given the wrong pay off balance and that I still had a balance on the account. At that time XXXX XXXX explained to her there was nothing he could do about that. I called XXXX XXXX back and gave him this new information. He again stated there was n't anything he could do for me, and all I could do from here was file a complaint with their audit company.
|
| 10/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
ISSUE : My old mortgage company will not give me the certificate of lien release to show that they were paid in full for the 1st lien. This is preventing me from refinancing my second mortgage/lien.
Explanation : My home address is XXXX XXXX XXXX, XXXX, MD XXXX ( some people use XXXX as the city ). My home is located in XXXX County, Maryland. I originally purchased my home on XX/XX/XXXX. My original lender for my first lien was XXXX XXXX ( " XXXX '' ) and they [ XXXX ] transferred my loan to First National Bank of PA ( " FNB '' ). The deed is currently under XXXX XXXX 'XXXX name as filed with the land records dept. in XXXX County Circuit Court. I refinanced my home 's 1st lien only and closed on the refinance on XX/XX/XXXX. After I refinanced my 1st lien, I then attempted to refinance my second lien/mortgage but was told I can not do so until I have the certificate of lien release showing that XXXX XXXX or First National Bank of PA was paid in full. I then called First National Bank of PA the end of XXXX XXXX and informed them that I need a copy of the certificate of lien release. I was informed that the paper work was being processed and I should call be back next week. I then called them [ FNB ] back next week and was informed that they ( FNB ) sent my paperwork to XXXX County Land Records Dept. on XX/XX/XXXX for filing. I then called XXXX County Land Records on and was informed that they did not have any documents from FNB or XXXX. I was told to call back in a week. I called land records again today on XX/XX/XXXX and was informed they still never received the certificate of lien release from XXXX or FNB. I need assistance because I am unable to refinance my second mortgage/lien without the certificate of lien release. I was informed the paperwork was sent on XX/XX/XXXX but land records confirmed they have no backlog or delays with processing/filing documents and they said they received no paperwork from FNB or XXXX.
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was working with a mortgage lender through First National Bank and asked her to get me a quote to see what my odds of approval were based off of my income and debt. I specifically told her several times I did NOT want my credit ran until we knew I could get approved for a loan, and then we could decide to run it later and talk about which loans I wanted to apply for. She said the only way she could look at my taxes is if I uploaded my documents to the application link she sent me because she couldn't access them on her personal computer via dropbox, or any other means. She stated there would be a section on the application to state that I didn't want my credit pulled. I went through all the sections, demographics, etc. and then uploaded the 1099 's and taxes for XXXX and XXXX. I then received an Alert that there was an inquiry on my credit report on their application website, and on my XXXX XXXX app. I sent her a screen shot of this and she stated that she didn't do it and was in a meeting. I told her it must've been automated, but either way I was furious. She called me once she got out of her meeting and tried to said it was my fault because " I submitted a full application and clicked 'submit ' ". I said " no ma'am, this is NOT going to be on me, I specifically told you I did not want me credit ran, and you said the only way that you could look at my documents was to upload them on this site. I used the same exact process and application with XXXX and theirs looks EXATLY the same and they didn't run credit, so it has to be something with your system, maybe it was automated, or something, but I am not happy. '' I have documentation over text message where I specifically told her I did not want my credit ran. I immediately called the number from the XXXX XXXX app XXXX and spoke to a XXXX, and disputed the inquiry and told her it needed to be removed IMMEDIATELY because it was not authorized.
|
| 02/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX XXXX, I drove 3 hours from Washington DC to XXXX, PA for the sole purpose of closing my bank accounts with First National Bank ( who just bought out my bank - XXXX of PA ). I went to the XXXX branch on XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ). I was met with, " We ca n't close your accounts until Tuesday because we do n't have account totals. '' Seriously? Way to plan for the merger! I signed all the paperwork and was told they would mail a check on Tuesday, XXXX XXXX to my temporary residence in XXXX, MD. It 's only XXXX miles away from XXXX so should have arrived the next day. Wednesday, the XXXX came and went. Thursday, the XXXX came and went and still no check. I called Friday, the XXXX and was told the checks were n't mailed until Thursday and should arrive early this week ( XXXX XXXX or XXXX ).
It is now XXXX XXXX, almost TWO WEEKS after closing my accounts and I STILL HAVE NO CHECK. I called again this morning and talked to the bank manager, XXXX, and was told that the checks were sent last Thursday, the XXXX, not Tuesday as promised, but they went to a main bank or corporate or whatever in XXXX first and would be sent out from there sometime. " Probably Monday or Tuesday she said but that was a guess. She did not verify that they were indeed sent out. '' Meanwhile, I have {$50.00} in cash to my name which I used to open the account at the new bank. I have an overdue credit card which is now maxed out because I have no cash and First National Bank has my {$15000.00} in limbo for almost 2 weeks and the best part is I now owe a late fee and all the interest on it because of this whole screwed up process and the repeatedly being lied to. I also have no way to pay my electric bill or buy groceries. Way to go First National. I clearly made the right decision to close my accounts when they bought out XXXX. I want my XXXX money!!!
|
| 02/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a Conventional Mortgage loan with FNB Bank/Mortgage. After my wife lost her job during the pandemic I went under forbearance. When my wife got a new job, we paid all due payments. I was told by " XXXX ' a Customer service rep from Mortgage servicing department that until my account is current, I can not re-establish my recurrent ACH payment. XX/XX/XXXX, I paid all due payment ( XXXX, XXXX, XXXX and XXXX ) to bring my account. I called back on XX/XX/XXXX to Re-establish my recurring ACH authorization. XXXX confirmed that it had been set up and confirmed. On XXXX I got a call from FNB Collection department again. I was surprised by the collection department call. Found out that the ACH was not established. I paid for XXXX and XXXX of XXXX on that day and reconfirmed ACH debit is established for XXXX of XXXX. On XX/XX/XXXX when I noticed No Auto draft has taken place, I called and spoke to 'XXXX XXXX from Mortgage servicing assured me that ACH is been set up successfully. To have peace of mind Asked XXXX to call collection department to be all in the same page. " XXXX '' from Collection department also confirmed that the ACH is successfully set up and 'ACTIVE ' and mentioned my account is not with the collection department.
Today XX/XX/XXXX I pulled my credit report and noticed that FNB Bank / Mortgage reported me 'Delinquent of Mortgage '. When I saw that It made me furious. I have been calling them 8 or 9 different times to fix their ( FNB Mortgage servicing employee 's ) mistake. I been diligently trying to make sure they get their money, and this is how they punish me. Punishing me for their mistake. I sent them email with the conversation record to fix it, FNB Mortgage department didnt care to email me back.
So, I need your help to correct this.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA - XXXX Cell : XXXX XXXX XXXX XXXX XXXX
|
| 02/23/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I am lodging this complaint against The First National Bank, located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Pa XXXX.
On or about XX/XX/2021, I had a very nice and productive conversation with the assistant branch manager of FNB, XXXX XXXX, relative to a home equity loan.
I told XXXX XXXX that I wanted to lock in a fixed interest rate before the rates increased. Subsequent phone conversations, and after I submitted the required documentation, we agreed on an interest rate of 2.39 %. Shortly thereafter I received via XXXX mail documentation from XXXX XXXX located in XXXX, PA with a higher rate of 2.79 %. I phoned XXXX XXXX and advised him of the rate of 2.79 %. I was told by XXXX XXXX that the rate increase did not take into account the discounts and perks that would apply. The discounts applied by the local branch would reduce the rate to 2.39 %, as agreed upon. He advised to ignore the higher rate, because it is always adjusted at the local branch, and that it happens all the time. He also said because of my high credit score, and my low loan to value of my home, I qualified for the lower rate.
After a few more weeks had passed I called XXXX XXXX to inquire about the loan. He told me that he had some very bad news, and that the initial loan rate of 2.39 % was not available to me. The new rate was going to be 2.79 %. He apologized and simply said that his boss would not allow the lower rate. Although he said he was very sorry for what occurred, he never said why the branch perks he offered me were not made available to me.
The issue here is the amount of time that I was led to believe that the loan would be approved at the rate which was discussed.
The interest rate did rise and now I am looking at higher rates. This has been been a very tremendously disappointing experience dealing with FNB in XXXX, XXXX
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| 10/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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This complaint is being filed against XXXX XXXX XXXX ( XXXX XXXX ), XXXX, at First National Bank ( FNB ). The home buyers used XXXX XXXX ( XXXX XXXX ) to obtain a mortgage for the property I was selling. XXXX XXXX ( XXXX XXXX ) provided a pre-approval level, mortgage commitment letter and the other milestones that occur during the home buying process. Unfortunately, XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) waited until approximately one hour before the scheduled closing on Tuesday XX/XX/XXXX, at XXXX, to request documentation that could have been provided during the five weeks prior to closing. The request forced the postponement of closing. For the next seven days, XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) proceeded to delay the closing by requesting new and redundant documentation that should have been addressed much earlier in the process. On Tuesday XX/XX/XXXX, my realtor informed XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) that they needed to make a decision so the buying and selling parties could proceed. XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) decided not to approve the mortgage, forcing the buyers to initiate the process with a new mortgage lender. The buyers were quickly approved by a different bank and the sale closed 24 days after the original closing date. As the seller, the delay cost me thousands in additional interest payments, lower pro-rated amounts, etc. The week of being held in limbo by XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) caused undue stress on the buyers, sellers and others involved in the process. If not criminal, the ethics of XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) are not conducive to reasonable levels of honesty, integrity or anything resembling a focus on customer service.
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| 09/20/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I have been with First National Bank for 30 years. Over the years, there have been a half dozen times I have considered changing banks. Today I resolved to do so. In the latest incident, we deposited a check through the ATM on a Saturday ( XX/XX/XXXX ). Monday morning I checked and saw the deposit was pending. If I had gone in to the bank Monday morning to deposit the check, the funds would have been available that afternoon. As it was explained to me just now, because I deposited the funds through the ATM the previous Saturday, they did not give us credit for the money until Tuesday morning. XXXX or XXXX things that went through Monday afternoon/evening were counted as overdrafts even though there was money to cover them had we been credited with the check. Tuesday XX/XX/XXXX, I got an email about my account and within 10 minutes was at the bank with cash in hand to not only cover, ( because it was already covered by the check from the previous Saturday which had just gone through ) but enough to be nearly {$1000.00} to the good. They still charged me nearly {$200.00} in penalties and late fees. I was of course very upset but the most troubling thing was to come. The manager stood over me with his arms crossed, scowling and repeating the same ridiculously unfair deposit practice over and over as if I was a feeble minded child. At one point, as he remained standing and I sat, he leaned into me. I finally just decided it was not going to be fair regardless and the manager, who obviously held all the power in the situation, literally bullied me out of the bank. Horribly unjust, unfair and intimidating. If I have to pay fees, so be it but as a customer of First National Bank of PA for about 30 years, I did not deserve to be intimidated and bullied.
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| 12/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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First National Bank did not pay the insurance premium ( which was escrowed ) in XX/XX/XXXX on my uncle 's mortgage account. The insurance agent called me and stated she had spoken with First National Bank several times to try and get the payment on the premium with no response and the homeowners insurance was cancelling in the next few weeks for non-payment of the renewal. I reached out to both First National and the insurance company in XX/XX/XXXX to see if the payment had been paid and it still had not. Agent said she was not able to reinstate policy since it had already cancelled and new policy would be much more expensive.
First National Bank forced placed a policy in XX/XX/XXXX on the home. In XX/XX/XXXX my uncle passed away and I inherited the property. I took out a new homeowners policy beginning XX/XX/XXXX and sent over proof to First National Bank by fax several times along with calling them to cancel off and refund the forced placed insurance policy. The Insurance dept at First National called my insurance company XXXX XXXX XXXX ) and verified that we had coverage on the home but the forced place insurance was never removed. I am paying this mortgage off tomorrow and the payoff still includes 2 years of forced place coverage.
We are due a refund of the full 2 years of coverage of this homeowners insurance. First National Bank is at fault for not paying the original premium on the homeowners coverage which increased our costs on trying to find a new insurance policy. AND they have not been willing to refund the force placed insurance even though numerous policies have been provided showing we had other coverage. This bank is the worst with communication and responsiveness.
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| 10/06/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
Older American |
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I mailed a check to a vendor for almost {$7000.00} and the check was stolen from the XXXX. The thief " bleached '' the name of the vendor, changed it to her name and cashed it. First National Bank of PA cleared the check and the funds were taken out of our account. When I discovered that our payment had not reached the vendor, and I could see the name had been changed on a copy of the check online ( XXXX week after the fraud ), I went into the bank and spent XXXX hours filling out a fraud report on XX/XX/2022. In addition, I filed a police report, and the US Postal Service sent a representative who told me they had been surveilling the home of suspected mail thieves and were able to retrieve a copy of the fraudulent check and deposit slip to prove my funds had been stolen. They were able to obtain a search warrant and two people were arrested. I sent this information to the bank via email so they would have the contact information of the XXXX fraud department. The bank assured me that they were reviewing the case. Today is XX/XX/2022 and the bank has still not refunded the stolen funds. Although the branch manager has been extremely helpful and supportive, we still don't have our money back and it is impossible to pay bills with an " I'm sorry ''. I don't know what else to do but to leave feedback on how the bank has responded to our situation. This is First National Bank of PA and is located in XXXX, NC. I hope this feedback helps someone else to understand how First National Bank of PA handles fraud cases and the length of time it will take to get your money back ( if we ever do get it back ) when it is so obvious that the situation is fraudulent. XXXX XXXX.
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| 12/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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Im writing to you to see if your agency would be able to review First National Banks practices and correct all the related charges created and caused by First National Banks personnel. Over the past several months, Ive repeatedly tried to get various individuals within First National Bank to correct and make good on the issues relating to a five year loan which I had taken with this bank. This five year loan recently approached its maturity date which I was initially told I could renew. Just shortly of the maturity date, First National Bank informed me that they would not renew this type of loan. Due to all the delays from the local branch managers, false promises, run-arounds and customer service failures, I was informed that I now owe a late penalty fee of nearly {$13000.00} or First National Bank would take legal action against me. I wanted to make one more attempt to explain the circumstances and issues created by the branch managers to resolve this issue by writing to the president of First National Bank.
Due to the notice of legal action, I proceeded and made arrangements to pay off this loan together with the wrongful late charges along with other increased interest charges. I only did this since it was clearly futile to continue dealing with the various First National Bank personnel.
Meanwhile, Ive recently learned that it appears that these branch managers ( both XXXX XXXX and XXXX XXXX XXXX have not reported the full truths and promises made by them to their upper management which has resulted with this bank standing firm by charging me nearly {$13000.00} for an additional late fee together with other charges regarding the payoff of this loan.
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| 03/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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It has been over 75 days since I have applied for a construction loan with First National Bank. After providing all of the required documents, I received a preliminary approval for my construction loan. After getting pre-approved, I provided my construction drawings and after receiving an appraisal - I was given the green light to move forward since the appraisal came significantly higher than the total loan amount. In every communication with my loan officer, I and my husband either met or exceeded the criteria for Loan-To-Value, appraisal value, credit scores and assets. Due to a change in staffing, I was required to explain large financial transfers in my banking account in the form of a letter. In this letter I explained my surrogacy costs and personal future plans to explain my current financial situation. After revealing this information I was denied for a " layered risk '' and then told that the denial shouldn't have gone out to me. Like many families, I am including my parents as an co-signer because they have plans to move in with me. I have included an elevator in my home for that reason and like many XXXX families - the plan is to all live together in our home. As of the date of the submission, my loan still has not been adjudicated and I continue to incur costs because of the construction delays. I am concerned that the reason for the delay is discrimination based on sexual orientation and ethnicity since the underwriters have not been able to articulate to my loan officer why the loan isn't being pushed forward. I have been told time and time again that I meet all the criteria for the loan.
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| 02/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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Loan financed under someone else 's social security number, date of birth, credit score, etc.
On XX/XX/XXXX I opened a personal loan for {$15000.00} at an interest rate of 12 % joint with my husband.
On XX/XX/XXXX I went to the XXXX branch located on XXXX XXXX to make my payment on my loan when teller asked if I would like to refinance my loan at 6.5 %. I agreed to refinance my loan. When speaking with the XXXX XXXX, assistant branch manager, she asked if I still worked at " XXXX XXXX '' I stated " No, I never have ''. XXXX then pulled my loan documents and reviewed my place of employment, social security number, and date of birth. XXXX then told me that I would need to present current paystubs to her. I proceeded to leave the branch and went home and got my paystubs. I took the paystubs back to XXXX ( on the same day ) and she stated there was a mix up on the loan application.
On XX/XX/XXXX, I went back to the XXXX branch looking for XXXX however she was off. The tellers told me to go to the XXXX XXXX branch. I went to the XXXX XXXX branch in XXXX and spoke to XXXX XXXX, branch manager of loan department, in regards to what was going on with my loan. XXXX pulled up the information and I had to verify my social security number against the bank information and she stated that the birthdate and social security number on the loan was wrong and the loan would be investigated.
On XX/XX/XXXX I had yet to hear back from anyone regarding this loan incident so I called and left a message for XXXX and XXXX. XXXX called me back and stated that " they were getting the information correct on the loan ''.
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| 03/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX of XXXX I received a check from the XXXX XXXX XXXX department with a letter stating that my escrow account was already paid. The check, made out to XXXX XXXXXXXX XXXX Department from First National Bank XXXX XXXX XXXX XXXX XXXX, PA XXXX, was returned to me, the homeowner with the letter. I then contacted First National ( my mortgage company ) about double payments. This is when the issues began. When they looked up my account, they could not see double payments. However, because I had the returned check, I gave them the check number and then they could see it. Balances of my escrow of debits and credits were not on and still are not on any of my mortgage statements. I have written 3 letters, spoken with XXXX at XXXX XXXX times, and have been waiting for a letter, or call back with an explanation as to where my escrow money is ( it should have been put back into my account ). This has been an ongoing issue since XX/XX/XXXX when I started making phone calls, sending emails, and writing letters. NOTHING has been done nor has anyone gotten back to me. My statements do not reflect the debit and credit of MY escrow money. I thought that any transactions had to be shown on my statements? I do not know what else to do with this but do know that there was a double payment and I can not see that the money was put back into my account since transactions are not reflected on my statements and no one can seem to tie the check of double payment to my account ON my account but in another system.... What else do I need to do and why are they not getting back to me or showing this information on my account?
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| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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Not sure I have the exact dates above. Recently after the loss of my older sister I have come on very hard times financially. I have tried several sources for loans however I am at a low credit score and high DTI. But I have come across help from a totally different lender who may be able to help. The only roadblock I've run into is this loan with First National Bank which I was late for the first time even last month, ( XXXX ). Now they have it marked as 30 days late and the lender I was speaking with told me he needed 12 months with no latenesses, I called FNB to see if they could reverse that and was told no. I have another payment coming up which will then make it probably 60 days late. I have been waiting for my Property Tax Rebate that was due XX/XX/XXXX, and it still isn't here. This " 30 days late '' is now causing me to be unable to get the equity I need to pay off these bills to get back on track. There are banks who will reverse this but this one claims not to and puts me in an even worse position. I had advised them all along I would be late since XXXX and was never late previously. I need this loan desperately. My sister and I always helped each other out and now I have no one. I am trying to do everything I can to resolve and keep running into this ridiculous red tape. This is completely unfair. I have had to come to you for help previously and only once did you go in my favor when XXXX XXXX was XXXX. I'm smothering all because of this and I at least contacted all my creditors. I requested a call back from a XXXX for today, XX/XX/XXXX, but no call so far today.
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| 07/30/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are two ( 2 ) Historically Under-utilized Businesses ( HUB ) companies duly registered in the State of North Carolina and responsibly carrying on business in the state by XXXX XXXX XXXX ; a USA citizen. While XXXX XXXX XXXX and XXXX XXXX XXXX has been in business since XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX was incorporated on XX/XX/XXXX with the NC Secretary of State ( SOSID : XXXX ) having been appointed a XXXX XXXX Agent to carry-out Money Transfer Services.
The above mentioned HUB companies both opened and operated recently Business Accounts with First National Bank of Pennsylvania branch located on XXXX Falls of XXXX XXXX, XXXX, NC XXXX. Without the attendant due process and recourse to our companies ' representative/business owner ; First National Bank of Pennsylvania reversed duly presented check payments made by a Mr XXXX XXXX XXXX to our company for services provided resulting in debit balances of XXXX XXXX and XXXX Dollars and XXXX Cents ( {$720.00} ) for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX Dollars and XXXX Cents ( {$240.00} ) for XXXX XXXX XXXX XXXX XXXX.
These debit balances are not owed by our companies as alleged by First National Bank of Pennsylvania ; who in turn turned over these debit balances to XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for collection. We dispute the basis and authenticity of these debts and want the CFPB to intervene and invalidate these claims by First National Bank of Pennsylvania and XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/24/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Servicemember |
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I have been trying to get fraudulent charges of XXXX reimbursed and back into my account ASAP.
Here is the background- XX/XX/XXXX FRAUD DETECTED AND THE FRAUD DEPT CALLED ME AND I CONFIRMED FRAUD AND THE DEBIT CARD WAS TO BE DISABLED. XXXX online transactions for a total of $ XXXX XX/XX/XXXX MET WITH BANK MANAGER AND SIGNED A NOTARIZED DOCUMENT STATING FRAUD. AGAIN ASSUMED CARD WAS DISABLED.
XX/XX/XXXX. LOOKED ON MY ACCOUNT XXXX AND ADDITIONAL XXXX TRANSACTIONS HAD BEEN AUTHORIZED OUT OF MY ACCOUNT. ON XX/XX/XXXX AND XX/XX/XXXX.
TEXTED BANK MANAGER AND HE SAID HE WOULD HANDLE FIRST THING IN THE MORNING.
MONDAY XX/XX/XXXX I CALLED BANK MANAGER AT XXXX HE SAID HE WAS BUSY AT THE MOMENT AND WOULD GET RIGHT BACK TO ME. HE ALSO TEXTED ME THAT HE WOULD GET A NEW DOCUMENT FOR ME TO SIGN TO STATE NEW CHARGES WERE FRAUD BY END OF DAY. STILL HAVE YET TO RECEIVE I HAD NOT HEARD BACK FROM XXXX SO I CALLED AGAIN AT XXXX AND AND XXXX. HE TEXTED ME SAYING HE WAS WITH A CLIENT.
I THEN CALLED THE CALL CENTER AND SPOKE TO XXXX. SHE CONTACTED XXXX AND SAID HE WAS WORKING ON IT AND WOULD GET BACK TO ME BY END OF DAY.
XXXX XXXX ON MONDAY I GET A TEXT FROM BANK MANAGER ASKING IF I HAD TIME TO CHAT.
AND THEN ANOTHER TEXT IMMED AFTER STATING HE WOULD GET BACK TO ME TODAY.
IT IS NOW TUESDAY AT XXXX AND I HAVE NOT HEARD FROM YOU OR HIM AND XXXX IS STILL OUT OF MY ACCOUNT FOR 9 DAYS!
LET ME ALSO TELL YOU THAT I MET WITH XXXX THE BANK MANAGER OF XXXX XXXX AND HE WAS INSTRUCTED TO DISABLE ALL DEBIT CARD WITHDRAWALS FROM THAT ACCOUNT. THAT WAS ON XX/XX/XXXX.
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| 07/13/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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First national bank purchased my accounts from XXXX XXXX XXXXXXXX in 2015 without my knowledge and transferred my XXXX accounts ( which at XXXX were non fee based ) into fee based accounts of which the balance didn't meet the minimum threshold to avoid fees. They then subsequently drafted the accounts down to nothing and closed them for insufficient funds. When contacted, they offered to move my miniscule remaining funds into non-fee based accounts. ( If that was an option, why weren't they transferred into those accounts to begin with? ) Regardless, they refused to make me whole and reimburse me for the funds stolen. In light of the news about the B of A finding and the trouble that XXXX has gone through with a very similar situation. I would like the CFPB to begin diligent investigation into FNB and realize they've stolen my money for no services rendered. I, not once, deposited, withdrew, or utilized any of their services. They simply transferred my money in, placed it in nonequivalent accounts, debited without my knowledge, and then closed my accounts, effectively stealing from me ... .all " legally '' of course. I reached out to many individuals giving them the ability to make it right, all, of course, falling on deaf ears. They acknowledge that they took the money in accordance with their fee schedules... .fee schedules that I never acknowledged or understood until it was too late... .I 'm still shocked this has been condoned by the company rather than apologies issues and restitutions paid... .simply stunning.
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| 08/18/2021 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I took out an automobile loan with First National Bank of PA around XX/XX/XXXX which resulted in a repossession around XX/XX/XXXX. In reviewing my credit earlier this year on XX/XX/XXXX I pulled all three major credit reports and found that this debt was being reported twice on one report ( XXXX ). The original debt was being reported by the original creditor ( First National Bank of PA for {$8100.00} ) and a debt collector ( XXXX XXXX XXXX XXXX for {$6200.00} ). At that time I placed a credit bureau dispute with XXXX that did not resolve this issue. Recently I started my journey to purchase a home utilizing a mortgage loan. In reviewing my credit history I found out that this loan was still being reported twice with ( First National Bank of PA for {$8300.00} ) and ( XXXX XXXX XXXX for {$6200.00} ) but now the creditor ( XXXX XXXX XXXX ) is on two credit bureaus ( XXXX and XXXX ). When working with my mortgage lender, and at their request I called and removed the dispute language from my credit reports and also contacted the debt collector to find out who owned the debt so this error can get rectified. When I contacted them ( XXXX XXXX XXXX ) on XX/XX/XXXX at XXXX at XXXX EST, I explained that this debt was being reported by both companies and was looking to find who owns the debt to clear up this error. I was told that this is normal practice for them to both report the debt. At that time I ended the call and discussed the best steps with my mortgage lender.
|
| 08/11/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I opened an account that had an annual fee ( XXXX XXXX XXXX package ) that paid for additional benefits for the account. After only 1 month of inactivity, First National Bank of PA closed my account due to inactivity while there was also still an ongoing open support ticket that directly related to the balance of my account. I called in multiple times and received conflicting information each time. One time I was told it was due to a XXXX balance ( despite the open ticket that was related to a fee that brought it to that balance ). Another time I was told they meant to close an older account opened years ago but closed the new account by accident ( I had closed the older account years ago but somehow they never followed through on closing ).
They then used all of this as rationale for denying me the checking account bonus offer that I opened the account with, stating that the account was not in good standing due to a fee ( the same fee that still had an open ticket to look into the cause as I believed it was in error ).
Lastly, they refused to pro-rate the annual fee I paid for this account, despite closing the account and denying me of the benefits I paid for.
During all of this, I spoke with XXXX at the XXXX branch who was helpful at first when looking into the fee that was charged in error but then after the account was closed, was one of the multiple parties providing conflicting info and refusing to provide a satisfactory or fair resolution.
|
| 06/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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- Problem with customer service
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Web |
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FILE A COMPLAINT XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX Bank Teller on duty!
Male Teller unknown Name would not provide Nor let me in the bank to cash my check it was XXXX On today at approximately XXXX I arrive at this location to cash my company check at this location. The would not open the door but talked to me thru the glass and asked me " What you want? '' I said just need to cash a check. He said no an walked away shaking his head. The door was still locked an it was after XXXX. This bank is not open to the public or this is not a public bank. The Teller was very rude an unfriendly with me. He did not greet me nor nor use any form of manners to communicate. The Teller use hand jesters to ask me to leave while he prompt the door open to hear what I wanted. When he opened the door an stuck his head and it was after XXXX. The Teller said no shaking his head an closing the door. I knocked again he waved his hand no sir an when back to working on the computer.
This was the worst experience I ever had with a bank Teller but I've been to this bank b4 an this could be the way your bank operates im not sure I need to take this check back to my employer cause not the bank it's signed in will cash the check after waiting outside in rain for 15 minutes, I will be sure to advise other community members of the excpected experience at this bank location due to the Teller working at that location.
Respectfully, XXXX XXXX XXXX DC XXXX XXXX XXXX
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| 10/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
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Web |
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On XX/XX/2023, my husband ( on our behalf ) completed a remittance transfer request at our local First National Bank of PA branch in XXXX, XXXX. The transfer was from our First National Bank of PA account to our XXXX XXXX XXXX account in XXXX, XXXX. We have completed remittance transfers, including to the same bank in XXXX, with them in the past with no issues. I was listed as the beneficiary ; my husband as the sender. On XX/XX/XXXX, given that the disclosure agreement lists XX/XX/XXXX as the delivery date ( with if not sooner in parentheses ), we began asking XXXX why our transfer had not arrived -- we've never had a remittance transfer arrive more than XXXX days later. Despite a wire research initiated on XX/XX/XXXX at our request, which showed an error between XXXX of the intermediary banks, and a wire recall requested on XX/XX/XXXX, we still do not know why our funds were not delivered or where they are. We have been in constant communication with our local branch and a regional branch of FNB of PA, but we are unable to get information from the intermediary banks, our bank in XXXX is not able to locate the wire, and we are unable to speak directly with the wire room at FNB of PA. FNB of PA claims it has done all it can, but we are missing {$15000.00}. Given all this, we are asking for outside intervention to get our remittance transfer refunded and returned to our FNB of PA checking account from which it was debited on XX/XX/2023.
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| 04/14/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
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Web |
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From my FNB online banking account, I sent {$250.00} dollars to my daughter 's account at XXXX through XXXX. Transaction overview in my FNB bank account states that {$250.00} is withdrawn from my account and my daughter received a confirmation email from XXXX that I sent {$250.00} and that this money will be available in her account within 3 business days. However, she was never able to get the payment because it has been months since she closed her XXXX account. I was not aware of this. XXXX 's policy is that they return the payment to the original account if the recipient 's account does not exist.
However, the money never came back to my account and my daughter has not received it in any of her accounts either.
We contacted XXXX, XXXX, and FNB. My daughter called XXXX and talked to three different representatives. XXXX said they can not track this down because she doesn't have an account with them anymore. When I called FNB, they said they would file a claim with XXXX since the money should have come back into the FNB account but it has been two months and there has been no update. When I called again regarding this issue, it did not look like they were aware of this issue and they again told me they would file a claim. Calling XXXX did not resolve the issue either because they said they are a mobile banking platform so they don't have the capacity to track this. And now I basically do not know where the money went.
|
| 04/29/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
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Web |
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First National Bank took over Metro Bank. Due to the level of customer service I received, I made the decision to close my account. Prior to closing my account a recurring payment caused my account to be overdrawn, to which I was charged substantial fees. I went to the bank in person on XXXX XXXX, 2016 and closed the account. The account was brought to a zero balance. Without my knowledge or consent, on XXXX XXXX, 2016, the account was reopened due to a recurring payment of XXXX. Now, as of XXXX XXXX, 2016, my account has a negative balance of {$68.00} due to overdraft fees, many of which are being charged every three days. I was not made aware that this would happen nor that they even reopened my account, so how would I have known that I was even overdrawn and that fees were being applied? This is unfair and deceptive to myself and other consumers. I called to speak with a manager located at the XXXX XXXX branch in XXXX, PA, who was very snippy with me even when I said that I would be filing a complaint with the CFPB ; her response was " If you feel the need to do so, go ahead. '' It is important to note that when the account was closed, I was never made aware to cancel my recurring payments. I assumed that like other companies ( Such as XXXX ), I would receive an email stating that my payment information needed to be updated. Never did I imagine that a closed account would be reopened without my knowledge.
|
| 02/14/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
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Web |
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We purchased a distressed mobile home park in 2018. We planned to purchase the mobile home park with a mortgage with an initial 2-year fixed term with the intention of improving the park and completing a cash-out refinance after the first two years. We discussed this plan with our lender First National Bank. The lender told us at the closing table that they were interested in doing the cash-out refinance after 2 years and said that there would be no prepayment penalty when we refinanced with them. We agreed and completed the sale. After improving the park we began the process of applying for the cash-out refinance. At that point, First National Bank refused to complete the cash-out refinance. We proceeded with another lender. When we received the payoff statement from First National Bank, there was an {$8000.00} prepayment penalty. They provided us with TRID disclosures stating that there would be no prepayment penalty. The only reason we proceeded with this lender is that they told us that they would refinance the park at the two-year mark with no prepayment penalty. They then refused to complete the refinance and then charged us a prepayment penalty. They are contractually entitled to do this, but this is not what we planned and agreed to at the closing table. We would have used another lender if First National Bank had told us that they would not perform the refinance and charge a prepayment penalty.
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| 09/22/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I just recently opened my bank account here and I wish there was better clarification about the overdraft policy. But that is irrelevant. I entered into a contract and I was told by the company that I entered into a contract with that they would let me know if I was approved for the contract and then if I was approved that they would charge me a XXXX dollar payment. Since, I was never notified about my approval status, I was under the impression that I was rejected for the contract. However, I found out that they charged me a XXXX dollar payment and that I had somehow had been approved along the way without notification. Obviously, this is an incorrect practice. But First National Bank is punishing me for an action beyond my control with a XXXX dollar overdraft fee. Furthermore, I was locked out of my bank account and could not access it. If this bank error had not occurred and I had not been locked out, I would have been able to find out that my account was negative and restored it to a positive balance just in time for the overdraft fee not to be assessed. The bank account could have only been unlocked with a phone call to the bank customer service representatives and I was extremely busy nor did I know that I was going to be charged the payment ( and thus the overdraft fee ). Also, if this fee was assessed during the night, the customer service representatives were not available at that time.
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| 10/11/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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First National Bank had a summer promotion that included a {$150.00} bonus when qualifying terms were met. On XXXX/XXXX/16, I opened up a checking account with them, with the intention of fulfilling the terms, collecting the bonus, and utilizing the checking account services. To my surprise, First National Bank contacted me and told me that this bonus offer would not be honored, my opening deposit was refunded, and my account was closed because I was not in their " Service Area ''. Unfortunately, this information was not presented at the time of the disclosure of the bonus and was nowhere to be found on their website. Although disappointed, I decided to move on. I received a second call back a couple days later, informing me that because the terms did not state " service area '' that they would be honoring the bonus. Although they did not redeposit my initial depsoit, they informed me that If i were to ACH deposit another {$1500.00} ( to meet the terms of the bonus ), I would, receive the bonus as stated in the terms and conditions of this offer. Unforunately, I have not yet received this bonus, and attempts to contact First National Bank have been unsuccessful. I feel that my treatment by this bank, the information presented, and the back and forth of opening/closing this account has been unprofessional and unsettling. In addition, the terms of the bonus were met and have not been honored.
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| 07/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My loan was transferred to First National Bank shortly after closing. This bank very limited options for making payments on a mortgage and their policies seem intentionally designed to incur fees and harm consumers.
The only options are as follows : To pay by phone, which generally involves absurd hold times, transfers and promised call backs which do not actually happen. There is no option here to set recurring payments, schedule a payment, or save account information. This is intentionally designed to discourage this method To pay via third-party bill pay. which they make as difficult as possible by obscuring the proper address, and procedures and making it impossible to view your account status, balance or payment due online. There is literally no way to view account information online, you must wait for the paper statement each month, assuming they decide to send it.
To open banking accounts with them. These accounts are fee-based, non-competitive and the only reason one might open them is to be able to pay their mortgages conveniently. This entire setup, with the limited options, seriously antiquated website and insufficient phone staffing, seems designed to force consumers, who did not choose their mortgage servicer, to open these non-competitive accounts and generate unjustified revenue for the bank. This entire process is exploitative and predatory and should be reviewed.
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| 12/12/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
Servicemember |
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I closed my checking account with First National Bank In XX/XX/2022. I have receipts showing I closed the account and there was a XXXX balance. I got an overdraft letter In late XXXX telling me my account was the overdraft. I called the bank and explained that I closed the acct. and I would not be using their services going forward. I was told the matter would be taken care of and the acct. would be closed. In XXXX I received a new overdraft letter telling me I was In overdraft again. I again called the bank with my displeasure with the handling of the closing of my account. This time I was met with resistance to the fact I closed the account. The person I spoke to told me I would have to call the branch I opened the account with and have them reverse the charges and close the acct. I refused to call that branch because I had a bad Interaction with a bank employee. She said that she would call her XXXX named XXXX and she would give me a call. I was never called by XXXX. I emailed the Bank ( email attached ) and told them about my situation and If this erroneous charge would do damage to my business and personal credit if It went to collections. I never got a reply back. In XXXX I received another overdraft letter. I have tried to close this account and FNB. will not let me. I would like an email or letter confirming this matter Is closed and that I won't need to go any further.
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| 05/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I have a loan with XXXX XXXX company, I lost my job so I fell behind on payments I spoke a young lady regarding the issue I was told that they are going to report to all the credit bureaus my late payments which is understandable, then the phone calls started I was getting calls up to 10 times per day early morning late night and all day, they called my neighbor over 4 times even when he told them to stop they called another friend and she told them the same thing but they kept calling, finally some one named XXXX called my sister on XX/XX/2018 around XXXXXXXX XXXX and asked about my where about, my sister asked for the reason, XXXX proceeded to tell my sister whom is not on the loan nor is she a co signer, the amount of the loan how many month 's I was behind the interest rate of the loan and my payment amount in clear violation of the Collection Practice act, further more XXXX informed my sister if I did not send {$50.00} in the next 48 hours I will be prosecuted, which made my sister panic and she was pleading with XXXX not go through with it cause I had just started a new job I will be making payments again real soon, again a violation of my rights, I'm asking to make them stop calling me and my family members and I would like to know what is my legal recourse and what can I do about this blatant violation of my rights, do I need an attorney?? please advice
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| 09/17/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I received an offer for an incentive of {$600.00} to open a new checking account. To receive the {$400.00} portion, I had to Direct Deposit {$2500.00} within 90 days after account opening and remain in good standing. To receive the additional {$200.00}, I had to process 15 debit card transactions from the account within 90 days and remain in good standing. I opened the account and entered the promo code during the promotion period, prior to XX/XX/XXXX. I performed all the required activities and did not receive the {$600.00} within 15 days after 90 days following account opening. I reached out to a representative and she said I was not eligible to receive the promotion because I was not in the intended " market ''. This is unfair since I DID receive the promotion. The bank received all the benefit of me putting money at their institution and processing my debit card transactions with their processor, but they aren't going to follow through on paying out my incentive! Why weren't there stops in place at account opening to prevent me from using the promo code online if I wasn't in the designated market? It's so convenient that the promotion entices many people to sign up but only a few of those who sign up actually qualify. That is deceptive advertising, and so frustrating that I had to keep track of all of this, with nothing to show for it after nearly 4 months!
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| 07/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/XXXX we closed on our home in XXXX XXXX, Ohio. At that time, our title company paid our XXXX and XXXX taxes to XXXX XXXX, Ohio. On XX/XX/XXXX First National Bank of Pennsylvania also paid our XXXX taxes in the amount of {$2400.00} to the county.
To resolve this overpayment of taxes, I attempted to call the bank multiple times, leaving a message with no return phone call. I was able to speak to someone in the mortgage department on XX/XX/XXXX, but was directed to call the title company instead. During the phone call, the mortgage company did confirm that they paid our XXXX taxes on XX/XX/XXXX to XXXX County.
Upon speaking to the title company, they confirmed that their check was cashed, so it was the responsibility of the mortgage company to reach out and ask the county for a refund. As of XX/XX/XXXX I have been unable to speak with anyone in the mortgage department. I left a message on XX/XX/XXXX and XX/XX/XXXX. I have also reached out to our original loan officer, who directed me back to the mortgage department. Additionally, I have sent emails to their customer service department and leadership email listed on their website.
It has been 41 days since our home has closed and we have yet to receive any of our escrow account funds or documentation from First National Bank of Pennsylvania. Nor have we come to a resolution on the overpaid taxes.
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| 10/18/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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I was in the process of applying for a new equity loan with First National Bank ( FNB ) and got a notice midway through the process that my existing equity line was canceled due to non-payment. When I discussed with the bank ( XXXX ) he explained that there was an interest amount applied to the loan after I paid the debt off in XXXX for {$31.00}. I went back and reviewed my online balance due and it stated that {$0.00} was due and he said that there was an issue with their website and phone application and that when I paid it off in XXXX that their system did not show a balance due, but there was in fact a payment due of {$31.00} so I immediately paid the amount on XX/XX/XXXX. Days later I find out that they have reported my delinquency to the credit bureaus and my credit score had been dropping from XX/XX/XXXX to XX/XX/XXXX. This dramatically affected my score XXXX points and I asked them to correct this. They stated that they sent electronic statements to the website even though their balance summary was incorrect and they will not resolve. I think this is highly unfair and needs to be addressed. XXXX at FNB clearly stated that this was a software issue on their side and have known about it for some time because this is not the first time he has heard of the issue. Can you please assist with them correcting my credit score with the credit bureaus?
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| 08/21/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I was to receive a social security XXXX back pay check and the bank account information that was on my application was with my ex husband and closed/charged off. the social security office told me that since it was closed it would be rejected and bounce back to them then it would take a few more days but they would send me a paper check.
My local branch would not except it so the XXXX XXXX branch took it upon themselves to and when they did they force reopened the account and took the money they were owed then turned around and told me that their back office said standard practice was to send a check for the remaining amount of money to the primary account holder. So they took my Government XXXX check took all my information that it came in off and sent it to my ex husband at an address that was never even on the account. They also told me they didn't know where the transfer came from because it only had my social security number on it and that's a lie I have a print out from my branch and it says SSA TREAS XXXX XXXXSOC SEC XXXXthe last 4 numbers of my social security number then SSA. I tried talking to the Assistant MGR her name was XXXX XXXX and the Branch MGR XXXX XXXX they told me it was my responsibility to get my ex husband to give it to me willingly???
XXXX XXXX XXXX XXXX XXXXt. XXXX Pa branch phone number XXXX XXXX email XXXX XXXX
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| 05/23/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/17 at XXXX I checked the balance on my checking account. It was about {$23.00}. The very next morning I checked the balance again at XXXX and it was - {$160.00}. I reviewed the information and found that several things had posted overnight which caused the overdraft. I knew a deposit needed to be made ; however, when I checked the balance I assumed I could make the deposit the very next morning. I contacted the bank about this matter and was informed that all of the posting actually took place after XXXX ; at which time it would not have been possible to rectify the problem before the overdrafts were charged to my account. This statement was confirmed by the bank employee. In my opinion this is fraudulent activity, equivalent to thievery and cheating customers out of their money. It should be a customer right to resolve any issues before fees are charged. This posting that were put through were also put through with the highest amount first which brought on the overdraft immediately and then proceeded to run the rest and accrue overdraft fees for all of them. I was told by the bank that because this was n't their mistake that they would not help me resolve this problem. This is a prime example of a big corporation taking advantage of the average consumer. Their should be laws in place that govern this type of bank activity.
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| 05/13/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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In XX/XX/XXXX and XX/XX/XXXX, in a desperate situation, I took out a loans from Regency Finance, formerly known as XXXX XXXX, in XXXX, OH. Phone number XXXX. The total amounts of the XXXX loans are just under {$2000.00}, which I have paid MUCH more back on since then. I acknowledge that I signed the paperwork knowing that it was a high and unfair interest rate. I have remained caught up on my payments ever since. Occasionally, especially in the past year, I have fallen a month behind, but always make TWO month 's payments simultaneously to get caught back up. In the past few months, this company has grown increasingly hostile towards me. This ranges from calling me at my work, on my phone at all hours of the day, and making snide comments to me when I go to their office. Before I observed this attitude from them, I always communicated if I fell behind to tell them I would get caught up. I feel like their business practices of using people 's desperation as a commodity is a microcosm of what 's wrong with America in the 21st century. I do n't, and have never had any intention of defaulting on my payments with them, but I am sick of dealing with them directly. Today, they called my place of work, The XXXX XXXX XXXX in XXXX, OH. I have never even told them that I work here. They refused to tell my secretary why they were calling.
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| 11/29/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I woke up on Sunday XX/XX/XXXX to XXXX fraudulent charges on my account. Because this was a Sunday and it was XXXX XXXX I had to wait for the fraud department to open. Once they were opened, my husband called and reported the fraudulent charges and immediately his card was canceled. Because this was a holiday weekend, XXXX, we needed access to our money for groceries and XXXX shopping. We were told multiple times that my card would be available. That evening my card was declined at the grocery store. After calling the fraud department I was told that my card was also charged and now canceled.
The next day was Monday and when we called to confirm shipment of our new cards we were told that we could not have them shipped to our home address as we hadn't lived at this new address for longer than 90 days. When it was requested to have the cards sent to a closer branch we were told a branch we NEVER banked at would be receiving the cards.
It is now over a week and we haven't heard a thing from the bank. Our cards are no where to be found and access to our money is so limited as the holidays and our work schedules do not allow for XXXX XXXX banking. I would like the charges from XXXX reversed as Ive never been to XXXX. I didn't make these charges and {$400.00} is A LOT of money to be left without over XXXX.
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| 01/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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First National Bank held and serviced my home mortgage until XX/XX/2019. On this date, the loan was satisfied and transferred to XXXX XXXX/XXXX. ( They use XXXX as their servicer. ) Despite this, First National continued to use ACH withdrawal to debit my account two additional ( and unauthorized ) times : XX/XX/2019 XXXX XX/XX/2019 XXXX I discovered these unauthorized withdrawals only after studying my checking account in XXXX. When I called First National, I learned that they sent these payments along to the new mortgage co ( XXXX/XXXX ). I was not notified of these decisions or actions. Furtner, they did this despite also having provided my ACH information to XXXX/XXXX without my knowledge or permission. I spoke directly to 3 FNB reps ( not including anyone they consulted during the course of our conversation ) ; they admitted no error and offered no help other than I should call XXXX.
After speaking with the very helpful and knowledgeable rep at XXXX/XXXX, I called XXXX back to request that they get the money back from XXXX and put it back into my account as they are legally obligated to do. They were not helpful nor polite. After being on hold for a long time, I was advised that a supervisor was researching it and would give me a call back. As of this writing, that call back has not happened.
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| 08/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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I rented a vehicle from XXXX while on vacation in XXXX. The charge was supposed to be for {$180.00}. However I was charged {$530.00}. I contacted my financial institution, First National Bank, to file a dispute. They opened up a case and asked me to submit information, which I did. A couple weeks later I received a letter saying they closed the case. When I called to ask why the case was closed they said more information was needed and they would open it back up if I sent in the additional paperwork. So I submitted the additional documentation they asked for. After calling the second time, I was again told that even more, additional documentation was needed. Again, I submitted more documentation. This same process whet on for two more times over the course of 3 months ( they wouldn't accept anything over email, it had to be sent through the US mail each time ). Each time they kept coming up with new, additional requirements. From talking with the representative at First National Bank it became clear she was trying to avoid having to contact VISA. She made me spin my wheels for months in the hopes that I would just give up and she wouldn't have to go through with the dispute process. Now I am stuck with no way to recover the funds because First National Bank refuses to take action.
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| 08/25/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
Servicemember |
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See attached file that demonstrates 1. I canceled a check 2. Have confirmation of cancellation via FNB 3. the bank FNB did NOT cancel the check. 4. Payment went through to the company who failed to do the job properly, job supervisor NEVER called me or emailed me back 5. FNB said it was my error that they could not stop the check 6. You can see FNB lied as there was no error in my documents-not the check amount or check number 7. So, FNB wont refund me and the company that did the business is a nightmare and I never want them in my house again. 8 FNB is an insured bank and guarantees services to their clients -- FNB betrayed me.
CFPB and the FDIC ought to ensure that Banks honor policy. If they had pulled the check I would not have had to deal with the nightmare of the company never responding, because they took the money and ran.
It is time for FDIC and CFPB to insist that banks honor their policies. Otherwise the very reason that the CFPB was created will occur AGAIN, there will be bank failures, and that was the reason CFPB was created to be a watchdog, resolve, prevent a second bank crisis...
For the XXXX XXXX XXXX ensure I get justice as it will also ensure those banks betraying people become afraid and do not continue to violate policy designed to protect
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| 04/06/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
Older American |
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Adjust penalties. FNB bought XXXX XXXX in PA and with it my account.
Balance of XXXX cents.
Service fee of {$5.00} because my account required XXXX of quote : To avoid a service charge in this account you would need to meet XXXX of XXXX requirements. They are a minimum balance of {$500.00}, a recurring direct deposit, or XXXX debit card transactions per month. When the account is overdrawn for 3 consecutive days there is a {$12.00} continuous overdraft fee. unquote.
My account at XXXX did n't have these restrictions. The fee put my balance in the red at {$4.00}. There was no notification that a transaction initiated by them would cause overdraw. Two days later I noticed the situation from logging in online and had absorbeda {$12.00} penalty and immediately arranged a {$20.00} deposit but it was too late to avoid the next {$12.00} penalty. Apparently a penalty of {$12.00} is charged every 3 days. I have attached a download .csv of the transactions.
Sir/Madam, this is like the 3 second rule and like chasing a moving target. Should n't they be obliged to notify me if a transaction that they a generating will create a negative balance and hence give me time to cover the {$5.00}. Once again the big banks are beating the little guy to a pulp. It 's just plain greed!
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| 06/25/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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I submitted 3 requests to First National Bank for a loan modification on our current mortgage. We have been denied each time due to insufficient income, which is exactly why we are requesting the loan modification in the first place. We have suffered job loss and severe income loss and the loan modification request is to help provide us with a lower payment while we continue to re-build our income.
The letters mailed do not provide detailed information regarding how they came to terms with determining that our income is insufficient even with a modified payment. When I call and speak with someone every time, they only read notes on the account and do not go over detailed information with me ( DTI, NTV ) nothing. All I am told is that this is a FHLB loan and they ( the loan servicer ) don't make the decision, that investor does, who we never speak to.
We are current in our loan payments, even with the high amount and they are telling us that we can't afford a lower payment even if they lower our payment. That is absurd and this is predatory at this point. No one is willing to work with us for other alternative options, nor have they offered us any alternative options.
We want a loan modification and to keep our home without sacrificing our livelihood.
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| 09/08/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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A check was mobile deposited into my account on XX/XX/2022, not sure of the exact date. I went to access my account on XX/XX/2022, and my account was locked. I called the bank to see why and they said I deposited a bad check. I told the representative I haven't made a mobile deposit. I have never made a mobile deposit as long as I had this account. My work deposits are still frozen and no one has given me any answers except they are investigating. Meanwhile, I have bills, children, grandchildren, and family. My rent is due on the 1st of the month considered late on the XXXX. Today is XX/XX/2022. The local branch has been giving me a hard time with no answers. This is a setback for me and I'm the victim. That's just like you get shot but I'm the one bleeding. This isn't fair at all. I didn't do this. I don't even know how to do a mobile deposit furthermore I don't even know what the check says. My direct deposit is not even attached to the accounts they hacked. This doesn't make sense at all. I have to suffer for someone else behavior. Just give me my money I can bank somewhere else. They said I would receive an affidavit by email haven't received anything but a frozen account, bill collectors, the runaround, and no access to my money I worked for.
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| 11/11/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
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Web |
Servicemember |
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I started the weekend with my account at XXXX dollars. I had my rent come out on monday which was XXXX During the weekend I deposited money that I knew would not be available until tuesday. On tuesday the money was made available from my deposit. Also on tuesday my transactions from the weekend posted. According to my account history provided by the bank to me, Before any transactions posted I carried a balance of XXXX dollars. I had XXXX transactions post all of which were less than the amount of the deposit I made over the weekend. According to bank policy which was verified to me by the bank manager transactions post from large to small. therefore i had enough funds to cover all transactions, and my bank register confirmed so. However, I was charged with almost XXXX dollars in overdraft fees. Furthermore, I am having issues with getting more fees and dishonored payment fees because the banks original overdraft fees made me go into the negative almost XXXX dollars. The bank claims no refunds unless bank error. I argue that it is a bank error because i had the funds available to cover all transactions. I spoke with the teller and manager as well as customer service. I was hung up on by customer service when the issue was brought up.
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| 06/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I had {$180.00} in my account on XX/XX/XXXX. My XXXX XXXX double charged me so the 2and charge brought my acct to {$33.00}. I had used my atm card for gas for {$15.00} on XX/XX/XXXX. I also had to use my atm card twice at an atm on XX/XX/XXXX, once for {$120.00} and the other for {$80.00}. On XX/XX/XXXX my account showed {$110.00} in overdraft fees. I called to see why I was charged 3 overdraft fees. It was explained that when my balance was {$180.00} and i took the {$120.00} out, that processed first so my balance was {$62.00}. Then the {$80.00}, the {$140.00} XXXX pmt, and the {$15.00} gas charge came out which caused the 3 overdraft fees @ {$37.00} each totalling {$110.00} in fees. This morning I logged onto my account and I am being charged ANOTHER {$37.00} fee. When I called to dispute this, I was told that it was for the {$120.00}. So they are saying that the {$120.00} was only deducted from my available balance but not paid so when they " paid '' it " today '' it caused another fee. But if it had already been deducted causing the other 3 overdraft fee 's then it I shouldnt be charged a fee for it. Basically I had 4 transactions with a balance of {$180.00} tet I'm getting charged an overdraft fee for all 4 transactions!
|
| 03/07/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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Web |
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XX/XX/2017 I signed on to my online account at FNB of PA. I wanted to print a statement on my IRA - CD account so that I do not miss the maturity date to transfer it to another organization. When doing so, the statement that appeared was not mine, but for another of their customers. I could not access mine at all and now I have another persons account information. This is certainly a privacy issue and should have been dealt with on a priority basis. I called the customer service number and after a lengthy wait, they could see there was a problem. They mailed me my statement, but I want this issue corrected and it makes me wonder who has my account information. I received a call back from a loan servicing person who left me a message and said what ever problem that I was reporting was correct. It is not correct however and the other persons statement is still showing on my online account. I again reported this to them. So now I think a complaint is in order. I could determine that the last four numbers of my account matched the last four numbers of the other persons account, but mine was a CD and theirs was a savings account. I suppose it was a mapping issue so other account holders could experience the same thing.
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| 03/01/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
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Web |
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In XX/XX/XXXX took out a fixed home equity line of credict 0nly to find that the original loan officer no longer worked for first national bank,this was told to me on XX/XX/XXXX when i called the branch manager, I received disclosure information to only be asked on XX/XX/XXXX to refax, XX/XX/XXXX tax returns with husbands signature on bottom. Phoned this branch often with calls not returned most of the time feel like I am a begger by now, I phoned the branch manager and he said that I could finalize the loan on XX/XX/XXXX. I was out of town for the holidays so I did not get back to the branch manager until XX/XX/XXXX only to be told that the loan application ID number has to be resubmitted. In late XX/XX/XXXX I was sent another disclosure loan estimate which the interest rate went from 3.89% to 5.05%, I mentioned to the branch manager that he needed to honor the original interest rate because all that transpired it was not my doing. so he resubmitted the loan again to change the interest rate to the original rate and terms . On XX/XX/XXXX, I received a disclosure packet in which the interest rate is the original but the terms are not and the math calculations of this loan does not add up.
|
| 02/02/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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I have a renter that electronically transfers rent too my account. A mistake was made by her or her financial institute instead of transferring the money in it was withdraw from my account. There was never any permission given for this type of transfer from my account too this person account. My bank excepted this transfer even though this type of transfer was never granted. My renter notified me of some kind of problem ( thank goodness for an honest renter ) I immediately contacted my bank. This withdraw caused my account to go negative by hundreds of dollars prompting a {$37.00} Overdraft charge.
I would think there would be safeguards set up too keep this stuff from not happen. I would believe this should have never been posted into my account being no authorization was given to transfer funds from my account. I have transfers set up too some of my other banks I have accounts with. I had too go through a rigorous process too do this.
The compliant I have why can just anyone withdraw from my account. In today age there should be safeguards in place for this not too happen. As a financial institution I would be embarrassed that this even happen but they are not excepting any blame.
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| 09/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
Older American |
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The bank apparently offered FREE ADD insurance. Somehow my name is attached to a policy which I know nothing about, nor do I believe in ADD insurance. {$50000.00} insurance was added to this policy and money is being removed from my account. This account is a special one and has not been touched in two years. {$16.00} was removed XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX ...XX/XX/XXXX and XX/XX/XXXX for a total of {$82.00}. I spoke to the bank manager and nothing he can do about it ... he gave me the number to ADD and they will only return a small portion of what was stolen from my account ... I could fight for the remainder amount. They said I have to cancel this insurance ... HOW do you cancel something you NEVER AUTHORIZED to begin with. I want ALL my money returned into my account and interest returned. This is a pretty good scam they have going and senior citizens, like myself, have no rights or say in this. When does practice like this stop? I was told this originated in the branch office ... I have not been in that area for over 2 years due to my health and hospital stays which can be documented. This account has had no activity on it in 2 years ... .I guess it was easy prey.
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| 08/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
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Web |
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There was a account made in my name that I did not do useing my ss number and everyone of my stimulus checks where put in the account and when I called them they said the could not give me no information on the account due to the fact the account was not in my name and I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to the fact meto online bank just lets random people steal people identity and me and my family have suffered so much XXXX XXXX XXXX XXXX XXXX because I couldn't work and had no money and to support use and I couldn't prove that I was who I am and I didn't even find out until XXXX and it is already XX/XX/XXXX and still yet I have not received anything I am a XXXX XXXX XXXX man that is going through XXXX because I couldn't take care of my family and I am still trying to find a job and home for me and my family and that way my baby boy can have a place to come home too so with that being said I Will never trust meto Bank with anything that belongs to me that bank can't protect no body identity or money XXXX how can you trust meto Bank when they help people steal who you are and all you have to your name and cost you your way of life and hope
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| 02/04/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Older American |
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After poor customer service, I closed my account with First National Bank ( XXXX XXXX XXXX, XXXX MD XXXX ) on XXXX XXXX. I have maintained a generous balance of more than {$20000.00} and have never had an overdraft charge.
I instructed the teller to wire the entire balance ( less the wire transfer fee ) to my account with XXXX XXXX. I was informed that afternoon that the process had been completed and my account was closed. Several days later the bank contacted me and informed me that the teller had specified a wire amount that was XXXX cents too high. I confirmed that my account had been closed that I intended for the entire balance of the account to be transferred to XXXX XXXX I authorized them to correct the wire amount.
I subsequently received a series of notices that my account ( which no longer exists ) was in overdraft status. On XXXX XXXX they assessed a charge of {$12.00} ; on XXXX XXXX they assessed an additional {$12.00} and on XXXX XXXX an additional {$12.00}. I have no business relationship with this bank ; these charges are baseless. I would appreciate your help in stopping this harassment. I have transferred all of my financial activities to XXXX XXXX.
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| 01/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My complaint is against First National Bank of PA that has not accepted payments made to my son 's auto loan.
My mother, XXXX XXXX XXXX has made 6 electronic bill payments from her checking account with XXXX XXXX XXXX XXXX XXXX to my auto loan with First National Bank and none of the payments have been credited to the loan. My mother and I have made calls to First National Bank trying to clear this up ( XXXX XXXX, XXXX, & XXXX, XXXX ). THe bank and the bill payment center have confirmed that payments were electronically sent to the correct address and loan number. The bill payment center and my mother had a 3 way conference call on XX/XX/XXXX explaining the situation. The bill payment center faxed the payments ' information that day showing proof of payment. As of today, XX/XX/XXXX, First National Bank still has not deducted the 6 payments total of {$1600.00} from his loan balance. I have been sent letters for delinquent account stating I will be turned into the credit bureau because they have not received payment. Their bill payment department needs to research and locate the payments since dates have been given to them with reference numbers when payments were sent.
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| 07/07/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Servicemember |
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This complaint is about First National Bank of Pennsylvania. My elderly Mother has had her checking account scammed two times within 6 months. The first time was for the amount of {$380.00}. It was an ACH withdrawal from a company called XXXX XXXX. I called the bank the same day and made them aware of a possible scam. Sure enough in a day or so the bank paid the unauthorized draft after I had asked them to close her account because she was likely going to be scammed. The bank filed a dispute claim but it was never resolved. ( I am on her account so I can speak for her ). I called the fraud department several times but received no resolution. The second ACH withdrawal just took place XX/XX/2018. Once again she has been scammed out of {$380.00}. This time the companys name was XXXX. The check number was XXXX. The company listed a phone number on the ACH withdrawal that was XXXX. I again called the bank and explained what happened and was told they would file a dispute claim. I am confident that First National Bank will do nothing just like they did the first time. I would also like to add that my Mother has not received any products from either withdrawal.
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| 07/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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OnXX/XX/XXXX I noticed that my mortgage payment jumped from {$1600.00} to {$1900.00} and I was completely caught off guard. I logged online and only noticed statement headers, so I clicked on each one. InXX/XX/XXXX, First National Bank of Pennsylvania sent a notice stating that I had an Escrow shortage of {$1500.00} and it would be spread across 12 months. Normally, when there's an escrow shortage you have the option to pay. Being that my family is on a strict budget I do not want my monthly payments to be around {$1900.00}. When I called FNB, the representative said I could pay the shortage but my mortgage would still increase to about {$1700.00}. If there's an option to pay the escrow shortage, the customer should be clearly given the right to do so in the notification. Quite frankly, I missed the Escrow notification because it was titled " Statement '' in my online banking and was an oversight on my part. Notifications like this should be clearly expressed instead of hidden. Furthermore, I believe the Escrow analysis to be grossly inflated. My insurance from XXXX XXXX XXXX is paid in full and property taxes only increased by {$50.00}.
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| 02/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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XX/XX/XXXX I paid an Escrow Shortage it was NOT credited to my Escrow acct they credited it as an EXTRA PAYMENT and they did not correct that error. I rec 'd XX/XX/XXXX's payment statement and due to the fact that they did not correct the XX/XX/XXXX error the payment was lower then it should have been but I paid the XX/XX/XXXX. amount which they said I owed. They did not credit that properly, they credited that as an EXTRA PAYMENT and have not corrected that error. Then I rec 'd XX/XX/XXXX 's statement and paid that and again it was the wrong amount. Again they credited it as an EXTRA PAYMENT. They have not corrected that payment neither! The bank called me and left a message for me to call that bank. I returned the call ... .. the woman I spoke with told me I had NOT paid XX/XX/XXXX 's payment and that I was way over due on it ... ... I told her I had in fact paid it and I gave her the date of which I paid it and the check number, They STILL have not given me credit for that payment I have gone to my local branch bank and the branch manager there has also attempted to get this corrected she is not having any luck neither.
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| 06/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
|
|
Web |
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My mortgage company, First National Bank ( FNB ), reported with XXXX and XXXX that I paid my XX/XX/2020 mortgage payment 30 days late. I filed a dispute with XXXX and XXXX disputing that error, but FNB sent them ( XXXX & XXXX ) a response saying I did pay my XX/XX/2020 mortgage payment 30 days late. However, FNB reported inaccurate information on my credit report because, I did not pay my XX/XX/2020 mortgage payment 30 days late. FNB received my XX/XX/2020 mortgage payment on XX/XX/2020 so, it was NOT 30 days past due.
I have copies of my simply free checking account statement ending in XXXX with XXXX XXXX XXXX XXXX, which demonstrates that FNB received their XX/XX/2020 mortgage payment electronically on XX/XX/2020 in the sum of {$2600.00}. I also have a screen shot of my FNB online account activity, which shows that FNB acknowledges that they received on XX/XX/2020 my XX/XX/2020 mortgage payment. These documents support my position to correct my credit file, but FNB has been uncooperative and is killing my credit. I am just so confused and upset about this situation. My credit score dropped over 55 points.
|
| 11/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
Older American, Servicemember |
|
XXXX XXXX XXXX XXXX with a partner. Our checking account was cyber-attacked on XX/XX/2022, in the amount of {$20000.00} It was unauthorized and we did not realize this happened until we received our statement on XX/XX/XXXX. Immediately we went to the First National Bank of Pa in XXXX Pa where we have banked for 25 years The manager told us we only had 24 hours to report this. We do not do online banking so how would we have known? We have met with the bank numerous times and have not been able to resolve this. I have contacted the PA Attorney General, XXXX XXXX XXXX, FBI, Office of Comptroller Currency, and no one seems to want to help us. This is a huge amount of money for a small business like ours.
The information which we received in a letter stated nothing about a 24-hour deadline. Also, how can that hold up if consumers do not do online banking?
We feel this is wrong on the banks ' behalf and we are seeking to get our money back.
Please help us with this matter Why didn't their fraud department pick up on this.? Why have a fraud department if it doesn't ; t function as protection for its customers.
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| 03/31/2017 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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FNB purchased our mortgage from XXXX XXXX when XXXX XXXX sold. FNB did not pay our property taxes and possibly insurance for one and half years. When I found out and contacted the bank, I was told there was an email from the former bank that said not to pay our taxes. We were never informed and this is incorrect. Our mortgage agreement has not been modified. Taxes and insurance are part of our escrow. The new bank charged us {$100.00} extra to compensate for having to pay our taxes. We disputed this but ended up not fighting it and paid the extra {$100.00}. Now, the bank is raising our mortgage payment $ XXXX/month for the same reason. Due to the negative escrow. We have tried to get an explanation from the bank as to 1. Why did they stop paying our taxes and 2. What happened to our payments for the 1 1/2? Where was the money applied that did n't go towards escrow? The collection department representative, XXXX, has been helpful enough, in the sense that he allows me to ask questions etc ... but I 'm not getting any real answers. How can a bank just stop paying escrow without notifying us? How is that okay?
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| 09/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I recently purchased a truck through first National Bank of Pennsylvania. My first payment was due in XXXX. They would not take my payment over the phone and I was forced to mail a check. However something happened in the mail and it was returned to me. It looks like the XXXX sorting machine stripped off the label First National provided. I called first National Bank to try again and was told the only way to make a payment over the phone is when you are delinquent and past your grace period. Which of course means you incur a late fee. They waved the first one from XXXX. I just called to try and pay my XXXX truck payment and was told I could not until I was past my grace period. they told me I could come into a branch, but I do not live anywhere near a branch. They told me I could ACH transfer between from my bank and set that up electronically. I informed them that I do not do that any longer because I've had trouble with my information being hacked in the past. I'd like to file a complaint because they are making it extremely difficult for me to make a timely payment without incurring any kind of fee.
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| 05/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I discovered a collections account had been added to my credit score under a previous legal name ; I disputed with the credit reporting agencies, and several times with the debt collection agency directly, asking to be put in touch with someone who handles fraud - yet they maintain that the debt is accurate and provide no information on how I might send documents to challenge the claim.
After months of dealing with the accounts impact to my credit score I finally received a page of information detailing how the account was opened. The information provided to open the account can be determined as fraudulent within seconds because the number generation system that is used for Illinois drivers licenses could not have produced the ID number provided given my name and date of birth.
I continue to ask where I can send copies of my actual license to verify this discrepancy and I am given fax numbers that are not operational and no clear answers on who specifically I need to contact to dispute this obvious issue of fraud that should have been spotted before the account was ever opened.
|
| 06/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
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On Tuesday XX/XX/2017 I transferred funds from two joint checking accounts at First National Bank ( FNB ) to a personal checking account making the AVAILABLE balance in the personal checking account {$15.00}. I then made a purchase for {$15.00}, leaving a positive balance in the account of {$.00}. The next day both of the transfers and the debit card purchase were showing a pending and the account was showing an overall balance of {$.00} but I was also charged an overdraft fee. Credits are posted to the account before debits so the transfers were credited before the purchase and the purchase is still showing as pending. I contacted the bank to request a refund of the overdraft fee but was told the funds were not available at the time of the purchase. However, FNB policy is that transferred funds are available immediately, credits are posted before debits and again, the funds were showing as AVAILABLE. If the funds are not available then they shouldn't be included in the total available amount listed online. This is deceptive and is a way for the bank to obtain more overdraft fees.
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| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
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|
In XX/XX/2021 a payment was sent out for a car payment, First National Bank claimed to not get it. I sen out a double payment for XXXX and XXXX at that time. This was about the last week of XXXX. Then they claimed to have not received that check. So I then took my payment to a branch myself. Literally 3 days later magically a check that was lost for almost a month plus the double payment check were cashed. Luckily I was smart enough to stop the bigger check because otherwise they would have had 5 months worth of car payments. Even at that time I got a letter for stopping payment on the check stating my account would be passed due. None of this was anything I caused, yet they reported I was 30 days passed due and also tried telling me J owed for the next month when they decided on their own to just put the extra money they got onto the balance as extra. I don't think my credit should suffer for something an employee at First National Bank did. They need to keep better track of their checks when receiving them in the mail.
You can see by my report my payments aren't late normally.
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| 07/11/2016 |
No |
- Bank account or service
- Checking account
|
|
|
Web |
Older American, Servicemember |
|
My wife died on XXXX XXXX 2016. Soon after this various checks and debit transactions began hitting my account and they were not incurred by myself. During this period my dead wife 's XXXX card and some checks were taken without my knowledge. During this period I was under a tremendous amount of stress and did not catch them at first. When my eldest son ( he has POA over me ) brought them to my attention I contacted the bank IMMEDIATELY! Then my bank ( formerly Metro Bank ) First National Bank of PA I received somewhat of a run around about POA papers for my son and that by the time they looked at my account ( seemed to be a lot of foot dragging ) that more than 60 days had passed and that they were no longer responsible for the bad charges and while police were notified about the thefts from my account the bank stuck to their 60 day claim and I have yet to see picture XXXX of any of the transactions that were committed including ( XXXX ) XXXX checks in approximately 2 weeks. I was returned {$1100.00} but I feel this is totally inadequate and I want the guilty people prosecuted
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| 01/30/2017 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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We received a notice that our monthly mortgage payment would increase by {$100.00} in XX/XX/2017 due to escrow balance being short. This is not the first time that we have received a notice like this. FNB noted in the documents that we could either pay the entire shortage of {$1700.00} or our monthly payment would increase by the {$100.00}. We are already stretched to the limit. The increase in payments happened as well when we had our mortgage with XXXX ( purchased by FNB ). Our original payment with XXXX ( purchased by FNB ) went to {$1600.00} per month. I went to XXXX and we modified through HARP program. Two years later we modified due to hardship as we fell behind because my husband loss his job. Our modified loan has a 40 year term and the interest rate is lower but our term is stretched longer with a still high payment. I will be XXXX when it is paid off. FNB gave us two weeks to sign papers and get them back or the alternative was immediate foreclosure. I was never sent a copy of the paperwork. This latest notice is just the icing on the cake. We are still struggling.
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| 12/11/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
Called to inquire about my balance. During that process, I was told my payments will increase by XXXX XXXX next month. I was also informed that they are providing forced place insurance because my insurance was cancelled. FNB did not pay my homeowners insurance that was due XXXX and they are subsequently charging me triple the amount for forced place insurance. They are self insured so the premium is going to FNB. And this only insured the loan but does not provide me with insurance for the structure and contents of my home. FNB states that they never received and invoice from my homeowners insurance company. The insurance company states that an attempt was made by FNB to pay the invoice XX/XX/XXXX, however insurance company declined because payment was more than 50 days late. I just became aware of the is on XXXX FNB states that I received this information, however, I do not recall receiving any of this information. There is also a discrepancy of when my mortgage payments are being received. Seems to be just after the date that then causes a late charge to be assessed.
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| 06/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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FNB and XXXX XXXX XXXX attempt to well test in XXXX 2017 with previous buyer, same company and could not because of a leak in the pump. Same issue with me second attempt and still not fixed. Tried to make me pay for it to be fixed in order to test. Dragged it out two weeks, Finally fixed and tested third attempt same company two weeks before closing. XXXX XXXX presence, suspect a covered up issue. Would not pass HUD with previous buyer? XXXX Also I obtained pre-approval with FNB and they inflated closing cost because it was there foreclosure which I did not know until later - Conflict of interest. XXXX XXXX / XXXX / 2017 Bid Acceptance XXXX / XXXX / 2017 Check UNCATEGORIZED XXXX ( {$1000.00} ) Good Faith XXXX / XXXX / 2017 Check UNCATEGORIZED XXXX ( {$200.00} ) Inspection Water XXXX / XXXX / 2017 Check UNCATEGORIZED XXXX ( {$450.00} XXXX XXXX XXXX XXXX / XXXX / 2017 XXXX XXXX XXXX {$360.00} XXXX / XXXX / 2017 Make decision on test results - no time to bleach and retest. XXXX XXXX / XXXX / 2017 - Close Date
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| 12/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have 2 loans with XXXX XXXX in XXXX, PA ( formerly known as XXXX XXXX XXXX XXXX ). I am having issues paying on the larger payment loan ( $ XXXX/mo ). I have done my best to keep up with the payments but due to illness and income issues, I have fallen behind and a friend brought me current 2 months ago. Because of communication problems with XXXX, it was established that my account was only to be handled by a manager, however, today a rep from XXXX showed up at my residence demanding that I bring the account current and requesting a post dated check. When I told her my bank does not allow me to issue checks unless I get them preauthorized ( to guarantee funds availability ) she became abusive and harassing. I believe I have legal protections that shield me from being harassed or abused about the debt and I need help in getting this practice stopped. They have already discussed personal information about the debt to a non-authorized person and this needs to be stopped, as it is unacceptable.
Any assistance you might provide is appreciated.
Respectfully, XXXX XXXX
|
| 06/13/2016 |
No |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
Servicemember |
|
Good day, I pay XXXX for several products through XXXX pay and it is through my credit card and the bank 's auto-payment system.
So, the transaction in question is for XXXX XXXX payment made by the First National Bank XXXX XXXX XXXX ; it was made by the banks records on the XXXX amount XXXX this was for the XXXX. So, then XXXX and I found out i was charge two time for the same software and they reimbursed me that was posted into my account on XXXX XXXX, 2016 Now then when XXXX went to bill me for the XXXX music bill that was due they were turned down. this is what is at issue. I had the funds in the bank and yet First National Bank still does not understand what it is that happened. I do have a paper trail and screen shots and emails to this effect. i would like some one form the banking comis to look at the banking practices of this bank as there is something really wrong here if the bank ca n't understand something as easy as this trans- action and did not pay a direct payment yet, took the funds from my account as it is posted on my on-line banking statement.
|
| 08/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
|
I had a XXXX card which was scammed and investigated by the First National Bank fraud department. I received a letter dated XX/XX/XXXX as a notice of final resolution my claim was CLOSED. The ordeal had gone on for several months. They sent me an UNSOLICITED replacement card ( ending in XXXX ) which I NEVER used. The Fraud department called me for several months wanting me to pay for charges on the replacement card. I was finally able to get a man who told me ( 'the claim is closed ' ). The Fraud Department calls ceased. I then started receiving phone calls and threating letters to pay the charges on the replacement card. I wrote a letter on XX/XX/XXXX to First National Bank requesting the letters and phone calls be stopped. My wife and I are both XXXX XXXX XXXX, and she has three chronic health problems. The phone calls and letters are VERY UPSETTING for my wife. The phone calls stopped as a result of my letter. However, the letters are continuing. Stopping the letters is the final step in putting an END to this ordeal which started in the XXXX XXXX XXXXXXXX.
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| 10/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
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|
I received a loan maturity letter in the mail for my auto loan through First National Bank. This letter was received 5-10 days before the last payment was due. There is a line labeled Other fees for {$900.00}. I called to ask what the fee was. They tell me they didnt have proof for an entire year of my car insurance. I tell them thats not correct Ive had insurance all along. They called my insurance company XXXX XXXX to confirm I had insurance, which they did confirm it. This was on a Wednesday. I called back Monday like they told me too. I was told they had not received proof. That same day I was auto charged the amount of my final payment plus the {$900.00} fee. I called First National Bank back. They told me a refund was being processed and I would get it in two weeks. No one could tell me why they couldnt charge it back to my card or even how I was supposed to get the refund. After being transferred back and form to departments that couldnt help me for over an hour, I talked to a supervisor who wasnt sure its possible to charge my card back the refund.
|
| 06/10/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XX/XX/XXXX I paid off the mortgage and the check was made payable to XXXX. I have researched the property in the Maryland XXXX at XXXX and the release of lien or satisfaction of the mortgage was not reported by the lender. The loan initially started with XXXX XXXX and was transferred to XXXX, XXXX XXXX, and XXXX XXXX.
Note that I did not receive correspondence from XXXX XXXX upon payoff of my loan. I wrote check # XXXX payable to XXXX XXXX for {$32000.00} from a XXXX XXXX XXXX checking account. I do not have a copy of the cancelled check. XXXX XXXX XXXX was acquired and is no longer in existence today. F.N.B. Corporation ( First National Bank ) acquired XXXX XXXX XXXX XXXX, the Baltimore-based holding company and parent of XXXX XXXX XXXX in XX/XX/XXXX. I contacted Customer Service at First National Bank, and I contacted the local branch of First National Bank in XXXX, Maryland requesting a copy of my cancelled check to prove that my lien was satisfied. First National Bank has been non-responsive and failed to return my call or follow-up on my request.
|
| 07/13/2016 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Was recently assessed a {$6.00} service charge which I was told was for " paper statements '' I have always elected to receive electronic statements and have never paid a service charge. I asked to have the charge returned to me and was refused. I was told that when the current owner of the bank took over on XXXX XXXX 2016, I had to re enroll to receive electronic statements, which I did. I have never received a paper staement in the mail, despite being charged for it on my XX/XX/2016 statement. I attempted to resolve this over the phone with no luck. I mentioned to their customer service that I would be taking my business to another financial institution. They then said they would have someone from my local branch contact me regarding the issue. More than a week went by without hearing from anyone. I went into my branch today to inquire about it and was told the same thing. " It is not a bank error, there is nothing we can do '' I believe it is in fact a bank error. After not getting a satisfactory resolution, I closed all of my accounts with this bank.
|
| 06/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
I had a free community business checking account with XXXXXXXX XXXX XXXX XXXX was purchased but First National Bank. I was told everything would stay the same with my free business checking account. First National set my account up as a Non-Profit Checking account and has charged me monthly for this account. I have called my local office as well as the main office to try to get this fixed. Every time I am told that they will make a change and credit me back the charges. I have been calling monthly for 9 months, this is when they started charging me {$12.00} per month for the Non-Profit account that I never signed up for. I don't have a non-profit business. Each month, I believe that they are fixing the problem and I will see the credit but instead the charge hits my account again. Each month, I have to sit on the phone with them again and go through everything with someone else who promises me it will all be fixed and someone will follow up. The charges as of XX/XX/XXXX are {$120.00}, the {$12.00} per month has been taken from me starting XX/XX/XXXX.
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| 06/12/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I am contacting you about XXXX overdraft fees that were placed on my First National Back checking account. I contacted the costumer service department on XXXX XXXX about these fees and was told that someone will contact me about them. No one has contacted me at all.
On XXXX XXXX 2015 my account balance was {$13.00}. I also deposited a check for {$15.00} on XXXX XXXX which was a XXXX so I knew it would not clear until the following XXXX. I spent {$8.00} with my debit card on XXXX XXXX at a XXXX gas station. The bank is telling my that the XXXX purchase overdrew my account because that purchase was pre authorized for {$20.00}, which I did n't have in my account so it overdrew. I did not spend {$20.00} I spent {$8.00} which I did have enough to cover. XXXX other transactions after that got overdraft charges put on them after this.
This is not the XXXX time I have had problems with this bank. I filed a complaint a while back and the took off the fees. I am asking that the XXXX overdraft fees totaling {$110.00} be returned to my account.
Thank You
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| 04/17/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I'm lock out of all my money. Online banking change something on Monday XX/XX/XXXX taxes day. They put 74 page read before they unlock your money. They said that they got the word on Friday XX/XX/XXXX. They DID NOT put anything out on Friday Sat, Sun, and lock us out on Monday. 74 pages of bull ... and words that only a atty would know. Why did they do this on the day that you need to move money??? Is they something that they don't want you to see. I still can't get my money. My taxes are not on time, bills are not payed. All this without notice ... why didn't they sent e-mails, put something on the web Friday??? WHY LOCK OUR MONEY TELL WE SIGN. HOLDING MY MONEY FOR RANSOM. YOU SIGN AND YOU GET YOUR MONEY. SOUNDS LIKE WE HAVE LAWS ABOUT THIS ... I CALL THE BANK AND THEY SAID YOU HAVE ACCESS TO MY MONEY. IT'S XXXX XXXX AND THEY CLOSE AT XXXX. THE LADY DID NOTHING FOR ME BUT ABUSED ME ... I GET A XXXX ON THE PHONE TO UNLOCK MY MONEY TO PAY BILLS. AND I '' LL READ THIS LATER. WELL THAT WAS LIKE TALKING TO A ROCK. PLEASE GIVE ME ACCESS TO MY MONEY.
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| 10/09/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2021 I received the message from the First National Bank to call the fraud alert department. First of all, I do not have the telephone not do I have a bank account with the bank. I would like to hire is it that illegal transaction can be made and I get a message to call the back fraud department. When I called the XXXX number and spoke to the customer service representative by the name of XXXX she gave me the card number ending in XXXX and was told that it was not in my name. I would like to know the name of the person that did this transaction I would like for charges to be brought against the person that used my number to claim I'm defrauding tax payers of their money. I need to send a message not to defame or slander someone's reputation for their own monetary gains. Let me pick up pennies from the street and call me a bum instead... One of those pennies will bring me my gainful reward not as this person that used my telephone wants to do for herself ... What ever she is hiding we all need to know. We need accountability.
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| 05/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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Web |
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In XXXX of this year 2019 i opened an account with first national bank XXXX XXXX XXXX XXXX XXXX .PA XXXX.i made a deposit of {$20.00}. ( XXXX dollars ) to open the account.the person that assisted me was not pleasant or helpful towards me.i was also told i would get my debit card in the mail so i can do my further transactions on line because i am mostly in new york.after one month no card instead a paper saying i owe the bank fees and i am in negative balance i contacted them they said they would send my card and dismiss the charges so i can do my banking and on line also because i can't do that without the card its now XX/XX/2019 still no card and the fees have gone up i contacted them they said the bank manager would reach out to me but till now no one has contacted me. I asked them why they are doing this when i called on there recorded line. If it was because i was XXXX they didn't respond or contact me back instead a threatening letter to report me and have my name made bad by credit companys.any help would be appreciated.
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| 11/03/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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XX/XX/2021 Companies involved : First National Bank /FNB XXXXrom Pa. & XXXX XXXX.
[ Earlier that day ] I tried making my auto loan payment over the phone to XXXX XXXX, Im unemployed so I tried using my unemployment debt card.XXXX XXXX declined the transaction. So I drove to FNB ATM to transfer money.
I bank at First national Bank I stopped at there ATM at the XXXX pa branch. I withdrew {$500.00} from my unemployment debt card. Still at the same ATM I took my XXXX XXXX debt card and proceeded to make a deposit with the money that I just pulled out. The machine gave me my receipt on the bottom on the receipt it reads this transaction can not be permitted at this ATM. The funds never made it to my account. I went into the bank the next business day. The manager said that they can not depute this because I used a XXXX XXXX debt card, I have to call XXXX XXXX. XXXX XXXX manager says its not there ATM this is FNB Responsibility. Ive spoken to both companies twice and neither want to look into where my {$500.00} dollars ended up.
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| 06/19/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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In XXXX of 2016 I had my student loan re-consolidated. The company I had do this service for me was XXXX XXXX XXXX . I had automatic withdraw set up through them where every month {$140.00} was withdrawn through my checking account at First National Bank. I had received a letter in the mail a few weeks ago from the Department of Education saying I was late on my student loans. I came to find out the company XXXX XXXX XXXX was not making those payments towards my student loans. I had tried numerous times to contact them via phone and email. They do not exist anymore and there is no way to contact them. I filed a police report with the authorities. It was determined that there was a total of XXXX fraudulent charges towards my checking account a nd First National Ba nk only credited back XXXX of them. Attached you will see XXXX letters stating the ones that were and were not credited back. This was an obvious scam and I would like the bank to credit back the XXXX charges that were not.
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| 09/21/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I was out of work last yr. for 3 months due to XXXX XXXX XXXX. I had a check bounce one day before my check was deposited after I went back to work and the bank did not cover this check. I was charged a bounced check fee, from the bank and also the Insurance company that it was going to. The problem I am having now is that this bank, " XXXX XXXX XXXX '' out of XXXX, Pa. took over the small bank, " XXXX XXXX '' out of the XXXX, Pa area and is charging a late fee of {$12.00} EVERY THREE days. This is outrageous, every time I have gone there to cash my check, I met other people there complaining about how they ca n't get their money out, even though they deposited cash, I too have been told that I ca n't withdrawel my Cash out for 3 days. Why? Does it take that long for them to make a few bucks on my cash deposit before I can use it myself, They have sent this to a collection company for pmt. which I have already paid the Bounced check fee, but nothing else and I do not plan to pay {$12.00} every 3 days for this
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| 01/07/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2022 I had an account balance ofXXXX cents. At XXXXXXXX XXXX I received a XXXX payment from another person in the amount of {$40.00}, which showed my available account balance as {$40.00}. I then used my First National Bank card at XXXX and then received another deposit of {$65.00} from XXXX. First National Bank charged me {$110.00} ( XXXX {$37.00} ) for XXXX fees stating I didnt have enough funds in my account for the transactions. I called the bank and spoke with XXXX a supervisor from the XXXX XXXX, she stated her manager reviewed the case and they refunded one of the {$37.00} XXXX fees but were not able to refund the other two XXXX fees because my account was overdrawn for a transaction done on XX/XX/XXXX at XXXX XXXX and a {$16.00} XXXX XXXX payment that I sent XX/XX/XXXX at XXXX XXXX. The manager advised me that all XXXX transactions made before XXXX XXXX were available immediately and could not explain why I was charged the XXXX but would not refund either.
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| 06/21/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I processed a deposit of {$890.00} on XXXX XXXX before the cut off time. It was to show on Monday, XXXX XXXX, but it did not, and it ended up giving me a negative balance. I called the bank to tell them about this and was told they would check into it with my branch, as well as ask that there be no overdrafts fees. I checked this morning, XXXX XXXX, and there were XXXX overdraft fees totaling {$74.00}, and, after calling my bank again, there was no record of my precious call. They were to call me back as to whether they would refund the charges and they never called back. My other complaint is that I use XXXX app and the app has tried, repeatedly, to get updated information about bank balance from my bank and they have not been able to. I use this app as a way to help to balance my budget and with the protection they provide, I could have received an overdraft protection of {$100.00}, but because they could not confirm the information, my account was overdrawn.
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| 12/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XXXX a XXXX agent arrived at my place of residence pounding at the door. My mother, who was working from home at the time, answered the door. She said she was approached by the agent demanding to know where I was. She explained I was not at home, as I was not, and she was called a liar because he saw a dog at the window and assumed it was me. I have a receipt from the time he was at my house to show I was nowhere in the vicinity. He claimed the payment arrangement was not kept as agreed, which is a lie considering they accepted and cashed a full months payment dated XXXX. I also was just in the hospital for an acute flare related to my chronic XXXX ( I also have proof of this ) and was released on XX/XX/. I left my home to getgo around XXXX. He arrived at my house after XXXX. I have a receipt from getgo showing I was there after XXXX. This is outrageous considering this was not someone with any right to arrive on my property acting in such a manner.
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| 06/13/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XXXX XXXX , 20017 I checked my acct and had XXXX in my acct. Checked my acct on XXXX XXXX and seen that I had XXXX In over fees. I called the bank and talked with the manager she said that it was because of XXXX charged but when I look on my statment I had about XXXX after that came out. So than on XXXX XXXX we went to the bank so they can show me why I went over. The assistant manager sat down with us looked at are statement and the statement she printed out and agreed that we should have never got the XXXX over fee. And that has caused a snowball affect. She said she would talk with the manager and get back to us on Monday. On Monday the assistant manager called and said it was because of a XXXX deposit that made us over. The manager called us back week of XXXX XXXX and said it was a XXXX that caused the problem but yet it dose not show up on my statement nor t he one the acct manager printed out.
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| 06/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/2020, I went to the DMV to transfer the title and registration from XXXX to XXXX. I learned from the DMV that I needed a copy of the title with my name on it and the lien holder information, First National Bank. I contacted the bank and they were unwilling to provide the copy of the title without a faxed request from the DMV. The DMV would not fax a request to the bank. I contacted the bank again and relayed to them that the DMV would not fax a request and we needed them to provide the copy of the title so I could complete the registration and title process so we can utilize our vehicle in the state of South Carolina. The bank has an arbitrary rule not to release the copy of titles to their borrowers. Our vehicle is now unusable as we apparently will never be able to get the vehicle titled in our new state of residence. The bank is unlawfully holding a simple copy of the vehicle title hostage for no logical reason.
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| 10/31/2022 |
No |
- Money transfer, virtual currency, or money service
- Virtual currency
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- Other transaction problem
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Web |
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At the end of XX/XX/2022, I used XXXXXXXX XXXX ( XXXX ) to send my daughter 2 transactions : One for {$1000.00} and the other for {$1900.00}. I had used XXXX in the past and since. The amounts were deducted from my account but not deposited in my daughters account, I called my bank but they said since it was a debit card purchase, there was nothing they could do. I called XXXX and XXXX alot. The constantly took my claim information and said someone will get back to me in 3-5 days. I had one email from them stating that my old email from 15 years ago was attached to my XXXX account. I told them I do not remember the password and do not have access to it but they would not help, Cant get help for it with anyone, I called the Colorado Attorney Generals Office but have not heard anything from them. I can not even get anyone at XXXX XXXX to talk to me -- only the cust, service and they do nothing. Now I am out {$2900.00},
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| 01/11/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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First National Bank of Pennsylvania refuses to communicate details regarding a returned international wire transfer. The transfer, in the amount of XXXX USD, was sent to XXXX XXXX XXXX XXXX in XXXX and XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX returned the funds, due to First National Bank NOT sending the wire transfer in USD, on XX/XX/XXXX.
Today is XX/XX/XXXX. It's been over a month. I asked for a wire trace 2 weeks ago, at the First National Bank branch location where I made the transfer, in XXXX XXXX PA. I've gotten no response.
XXXX XXXX, PA branch manager XXXX XXXX claims they will return my funds this week. In the same call, she also mentioned the funds will be returned when First National Bank decides. No one has called me or even sent a single email regarding the issue. This isn't acceptable. I believe First National Bank lost my funds and is attempting to dodge responsibility.
Sincerely XXXX XXXX
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| 06/18/2016 |
No |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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A bank I held a checking account with was purchased by First National Bank. My checking account and funds were moved to a new bank without my permission. When I attempted to close this account multiple times over the phone I was told I could not due to various issues. First I was told the account was in transition and would have to call back in a few days. Then was told I could n't close it over the phone and had to go to a bank branch. During this time of me actively trying to close the account a recurring payment I had set up with my actual bank hit the purchased account and I was charged {$200.00} in overdraft fees. When I attempted to have these waived due to circumstances above I was told I had authorized the payments ( which I had not ) and failure to pay immediately would cost an additional {$12.00} a day. This was the most unbelievable experience I 've had as I was being hijacked and extorted.
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| 07/05/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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My account began in XXXX to XX/XX/XXXX. I closed the account because no need for it. But decided to reopen shy of 12 months. XXXX XXXX I started using the account again. When opening the freestyle checking the CS did not activate my account online services. Mobile and Web site kept showing XXXX transactions and possibly currently 24hrs of transaction. I could never seem to keep the account current. I continued getting false balances on the accounts. Cause me to overdraft my account. Once I noticed this information the branch said give it few days to reset and call CS. CS said to speak with tech support. Tech support said to speak with Branch. Who ever is going to fix the glitch on my account and refund me my fees of {$620.00}. How are you to keep your account positive if given wrong balance information. Seeking for someone to resolve my issues and Corp to know how they XXXX the little people.
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| 01/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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Despite providing proof of insurance at time of vehicle purchase, First National Bank of XXXX, PA Ph # XXXX forced a {$5000.00} auto insurance policy on me. In 30+ years of purchasing vehicles, I have never had this happen.
1. They made no attempt to contact me to discuss this matter over the phone.
2. I only received a mailed notification after they already implemented this unauthorized charge ( they conveniently added it to the principal of the loan, probably hoping I wouldn't notice ).
3. I was told by 3 different people at FNB that I would receive a full refund once they reached out to XXXX XXXX to verify that I had the insurance policy at the time of vehicle purchase.
4. To add insult to injury, they only issued a partial reimbursement of {$3000.00} on XXXX.
I don't see how this is anything but extortion. Where is the consumer protection in this type of egregious banking behavior?
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| 10/28/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My complaint is with First National Bank. I have had a mortgage with this bank since XXXX 2015. There is no way for a customer to access their escrow account or see any escrow activity. I now have received a tax bill for {$4300.00}. FBN should pay this from my escrow account. I called and they explained it was never set up, that they will do this. I faxed them all the documentation and they told me they would set it up, pay and follow up with me. 8 days later, no follow up. I call FNB again. They explain they can not find my paperwork - to please resend. It is just very frustrating because I, as a customer, have no way to view my account and see what is going in and what is being paid out. I will resend them the documentation again and call again to see if anyone has it and will pay it. Please require First National Bank to make customers ' escrow account activity available online. Thank you.
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| 04/06/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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First National Bank of PA bought a loan that I had paid forward several years. When they bought the loan they hit my credit for non pay of the payments I was ahead. I reached out to the leadership team at FNB who contacted the bureaus and had the items removed. ( They also provided correspondence accepting responsibility and acknowledging there systems were not able to provide me a bill moving forward ). Two months later the same items showed up again on the credit profile. At this point I contacted the company again, they said they resubmitted and 30+ days later the items are still showing on my XXXX and XXXX reports. Furthermore, now my wife shows a civil judgement on her profile which the bank says they know nothing about.
This bank clearly lacks the technical system to manager the business and I have significant concerns to there ability to manage my data at all.
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| 09/13/2023 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/2023 XXXX I received a call from First National Bank . I was initially told that she was a debt collector, and then she said she worked for the bank in the collections department. She then informed me that I was late to pay my auto loan payoff amount and I owed additional late charges as well. I disputed the debt and her response was that I did in fact agree to the terms. I then asked if she had my contract in front of her. She said no, but its a standard contract and if I dont pay, my credit report would continue to be affected negatively. I then asked for a copy of the agreement. The response given was that I had to come down to the bank and ask for it. I replied by telling her to mail me a copy, she said something along the lines of thats not how it works needless to say, I never received the agreement. Only more Loan Payoff statements and Past Due notices.
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| 07/12/2016 |
No |
- Bank account or service
- Savings account
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- Problems caused by my funds being low
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Web |
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I had XXXX accounts with XXXX XXXX XXXX that were both tied to my mortgage. XXXX was a checking account with {$600.00} and another a savings {$25.00}. The savings was just opened to get a better rate on the mortgage and had no activity. First National Bank took over these accounts from XXXX XXXX in XXXX 2016. On my XXXX 2016 savings statement, I noticed I was hit with XXXX Dormant Account fees totaling {$20.00} and service charge fees totaling {$5.00} ... draining my savings account. I went into a First National office to try to reason with them and they told me that the savings account had not been used for 2 years. I explained to them that it was JUST moved to their bank in XXXX 2016. They would not even recognize the courtesy of doing business with a new customer and refund the {$25.00}, so I closed both accounts. It 's a horrible way to do business!
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| 11/10/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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On XXXX XXXX an fraudulent charge of XXXX was taken out of my business bank account at First National Bank of Pennsylvania by an XXXX charge. I did not authorize this charge and the fraudulent charge was never questioned by my bank. This charge was way out of the ordinary for my account. The same thing happened to another business in XXXX and we have been working together to try to get our money back. We have contacted many agencies and recently were referred to XXXX XXXX 's office who in turn recommended that we file a complaint with your office. For the first 6 months we were told that we had 24 hours for our money to be returned but recently found out XXXX 's policy is 30 days. We were well within the 30 day period. We have exhausted many avenues and desperately need your help. If you have any further questions I will be happy to answer them!
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| 06/29/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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I contacted XXXX XXXX of XXXX XXXXXXXX XXXX in XXXX to inquire about a refinance into a construction loan situation so that I may build my parents a home in a seperate dwelling located on my existing property. XXXX weeks prior to closing ( and after subpar communication regarding lending fees, timelines, etc ) I am contact via email by XXXX stating that she was going back and forth with her underwriters and had no idea that her company could not support such an investment.
My credit has already been considered Permits have already been paid I have a contract with the construction company based off of XXXX misinformation.
Horrible situation to be in, now I am jumping through hoops with no support from XXXX XXXXXXXX XXXX, XXXX could only sheepishly send out an email to me with an elaborate " Im sooooooooo sorry ''. Extra letters dont fix this.
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| 07/23/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I have made timely monthly payments to First National Bank ( FNB ) on my land mortgage for more than three years. It is an interest only loan whose term expired at the end of XX/XX/XXXX. I have been unable to refinance this loan because FNB recorded a late payment on my credit report in XX/XX/XXXX and XX/XX/XXXX despite receiving payments. Two FNB loan officers at different locations have attempted to refinance the loan but failed because of the FNB entry on my credit report. Three other lending institutions denied my loan applications for the same reason. FNB failed to respond to all attempts I have made to resolve the issue but continue to accept my monthly payments and also added a " late payment '' penalty of {$7500.00} to my balance. Now, FNB has referred my account to a debt collector who is threatening to foreclose on my property.
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| 10/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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This bank has charged an excessive of fees and is rearranging the order of charges to charge more fees. I made a despoit that is being held 3 days just in time for another {$12.00} fee to be charged and enough time that if I leave the account overdrawn I will continue to be charged {$12.00} despite initially depositing to cover the either overage. this is now the second time the bank has done this. Additonally if you make any other request through email or chat you are told to call the phone number who then told you the branch decides everything. You get notification days after the initial issue despite having alerts for it. the alerts can ONLY be viewed when you log on via a computer can nor be accessed through the app at all. was charged an overdraft before a transaction even posted and then charged another after the fact.
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| 09/24/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
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My father passed away XX/XX/XXXX. He had a CD that was supposed to be transferred to me after his death along with a savings account. I never received it. I visited FNB in early XXXX of XXXX to see if I could speak to someone in regards to the CD and savings account that was suppose to go to me upon my fathers passing but I was turned away. I tried calling First National Bank XXXX XXXX in XXXX of XXXX. I left a voicemail for XXXX XXXX, who works at XXXX. My father gave me her business card when he was alive and told me that she was who he worked with. I left a voicemail for XXXX XXXX to please return my call. I have yet to hear from XXXX XXXX.
I recently visited FNB and asked for advice on how to handle this issue and a bank teller told me that there was nothing that they could do.
The XXXX was for {$48000.00}.
|
| 02/03/2021 |
No |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Through First National Banks own XXXX Banking XXXX, I initiated a transfer for the balance in my checking account to another financial institution. First National Bank tacked on a XXXX cent fee. This fee was either not disclosed or disclosed in a manor that was not easily seen.
The result of this fee being added on First National Bank caused an overdraft of XXXX cents in my account. Then they charged me an overdraft fee of {$37.00}. That's an astronomical fee of 1,355 % My issues are : 1. The transfer was processed through First National Bank and when I processed the transfer it should not have allowed me to do so since I would not have had enough money to make the transfer.
2. Being charged an overdraft fee caused by a bank fee seems way out of bounds.
I tried to get a refund from the bank but they refused.
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| 11/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
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FNB has charged me {$110.00} for Returned Item Fees for 2 attempted transfers.
1 ) I tried to transfer my checking account balance of {$400.00} to another bank. FNBs website allowed the transfer of my full balance, but then tacked on a {$0.00} fee, which resulted in a {$0.00} overage and a Returned Item Fee of {$37.00}.
2 ) With my account showing the transfer failed, but not showing the {$37.00} fee, I had a balance of {$400.00} again. I tried to transfer this balance to my brokerage. FNB hit me with another {$74.00} Returned Item Fee because my account balance was only {$360.00} when the website stated {$400.00}.
3 ) I have tried twice now to contact customer support via Chat. Each time, I am told I will receive a call back once customer support reviews the problem. I have never received a call back.
|
| 07/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
My checking account was closed by my bank, because of another person withdrawing money from my account. The bank told me this was a case of fraud, and they give me a 30 day notice that they were closing my account. I had my Social security check being deposited to this account, plus other electronic withdrawals set up to pay my auto and home insurance. Due to their closing my account, I had to call Social Security to get my check sent to my home address temporarliy, and I had to call my insurance company, and get paper statements sent to my home address. Plus, they would not pay out funds on one of my checks, and they also closed my debit card. Since I am now 70 years, all of this has caused me some serious mental issues, wondering how many more problems I will have because of the bank has done to me.
|
| 02/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
hello, i opened three accounts with First National Bank of Pennsylvania - Personal checking, business checking and a savings, I believe it was in XX/XX/2017. First National Bank closed my Business Checking Account and My Savings Account without prior notice somewhere around XX/XX/2017. My accounts were at a {$0.00} balance. I had a debit card and checks for the business checking account. I don't feel this was right. i could see if it was at a negative balance for an unreasonable amount of time but instead they closed it for zero activity. The account had not been open for more Unfortunately I don't have any other information because the account was closed and i can't retrieve my account number online anymore. The name on the account was XXXX XXXX DBA XXXX XXXX XXXX ( or something like that ).
|
| 01/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I obtained loans through XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Pa XXXX. I began struggling with financial issues and they actually showed up to my residence and left a letter in my mailbox even stating that they stopped by my home which is a complete violation of my privacy. I have both letters showing this. It was signed by Branch Manager XXXX XXXX which was very unprofessional being a branch manager or even if it was just a sales person. I feel this is a form of harassment coming to my home and need to take action for this. I can provide any documentation necessary about this company. I always made my payments on time until I fell on financial distress and now I 'm trying my best to do what I can. Please if you can help in any way with this company.
Thank you XXXX XXXX
|
| 08/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I am trying to get mortgage forbearance on 2 single family homes ( XXXX XXXX XXXX XXXX NC XXXX and XXXX XXXX XXXX, XXXX XXXX, NC XXXX ) due to covid related issues. My son, who is a co-borrower has had covid twice and I have had it once. Most of our income is derived from some rental property we own. Due to the fact that some of our tenants and some tradesmen we usually hire to work on problems at the properties have had covid, we have lost significant income from tenants not being able to pay rent and losing months or rent because we can not find tradesmen to enter homes of people with covid and/or being too sick to repair properties to make them rentable.
Our mortgage institution, First National Bank, XXXX XXXX XXXX XXXX XXXX PA XXXX has turned down our request for forbearance.
|
| 10/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
Fist I applied for multiple loans on line. FNB called me on XXXX saying I had been approved for a {$6000.00} loan for 5 years ( unsure ) at {$120.00} monthly payments and would that be beneficial. Yes. She stated because of my poor credit rate I needed insurance to prove I could payback the loan. She wanted {$200.00} on a Visa card. She gave me # to call when I had it. Next day XXXX I called but had the wrong kind of Visa. Wanted XXXX XXXX. Next day XXXX I called back. They wanted pictures of card, packaging and receipt. Sent. Money taken from card that day. No loan received. Refused to let me talk to loan department. Called daily many times and hung up on every call. Today demanded my {$200.00} back. And they continue to hang up on me.
Please contact for details. XXXX XXXX XXXX
|
| 05/24/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I made a deposit to my checking account to cover some online purchases. I moved these funds over prior to making the purchases. When I checked my account this morning the bank levied a XXXX overdraft charge even though I was not in the negative at any time. I have a screenshot of my activity proving this. I contacted the bank and they admit that while I was not in the negative, because I made the wire transfer and the purchases after their cutoff date, they reserved the right to levy what they call a " virtual overdraft fee ''. I 've been banking with FNB since 2011 and have never had any problems until their merger with Metro Bank this past year where all of a sudden they started to do all of the shady Metro Bank traditions that they and XXXX XXXX have been well known for.
|
| 11/01/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Older American, Servicemember |
|
I routinely transfer funds from my Money Market Account to Pay Down my HELOC. I do these transfers online, and both accounts are at First National Bank. The transfer out of the Money Market account occurs instantly, but the pay down of the HELOC account can take days to weeks. In the interim, it is not clear what is happening with these dollars. I lose interest on the withdrawn funds immediately, while I continue to pay interest for days to weeks on the HELOC. Is this a normal banking practice? Does it warrant a complaint? Should this be a class action? This involves a loss of a few hundred dollars per year for me, but if magnified across the entire customer base, it could be a very, very significant loss of dollars for the customers and unwarranted gain to the bank.
|
| 10/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I walked in to a branch on a friday afternoon to request cashout of the balance in my account and closure of my checking account.
They cashed me out with a cashier 's check and said they would take care of the closure and I neednt stay for that. They didnt provide me with any reference for the closure request- they just said it would be closed in XXXX business days One week later, my account is still showing as active. I call their customer service, they say they will put in the request through backend and the it will be closed in XXXX business days. WHen I ask for a ticket number or a confirmation request to be sent to my email, they claim they do not have such facility available I even tried speaking to a supervisor to get some resolution but to no avail
|
| 07/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I was hit with two fees one after XXXX XXXX charged me for a subscription I canceled and reported it to the branch manager XXXX XXXX and he failed to act and got charged a XXXX fee and two XXXX fees for this, and sent him emails, and contacted customer service twice, and for purchase from XXXX and was charged another XXXX Fee and on XX/XX/XXXX, I was overdrafted by XXXX and hit with another XXXX fees. I want all the fees refunded under the XXXX overdraft fee protection act I do not allow my debit cards to cover purchases I do not have the funds for and XXXX for XXXX is highly excessive. The banker also does not respond and fix errors. I also stopped in the XXXX branch and spoke to sue XXXX about the XXXX XXXX and XXXX situation and she also failed to act!
|
| 04/15/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
On XXXX/XXXX/16 my checking account at First National Bank of Pennsylvania had a total of XXXX unauthorized debit card charges totaling {$360.00}. I repeatedly tried contacting the bank until finally getting a response and then cancelling my card with an investigation being launched. Consequently, on XXXX/XXXX/16 my account was charged an additional {$34.00} for an overdraft due to the unauthorized charges. I 've repeatedly left messages for the manager at the XXXX XXXX branch to contact me with no response. This all took place after a total of {$100.00} in unwarranted overdraft charges were levied on my account the week prior ... XXXX and XXXX/XXXX/16. Please request an investigation into these charges on my behalf and a proper resolution.
Thank you
|
| 02/02/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
On XX/XX/XXXX, I had an Online Banking Bill payment come out of my account. The same day I had a XXXX payment sent to me at approx XXXX. At XXXX I received a text message such and I received an email at XXXX stating that a payment was sent to me and was successfully deposited into my account. I also verified through the FNB banking app that the funds were available, and they were in my available balance. However, my bill payment was returned and I was charged {$37.00}, due to theXX/XX/XXXXpayment no being available to pay ACH/ Checks/ billpay items. I was notified 2x by the bank the funds were in my account and verified through the app the funds were available, only to find out the funds were held unbeknownst to me. Very misleading and not acceptable.
|
| 02/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello - I recently paid my mortgage down from XXXX ( original loan amount ) to XXXX. The balance is 78 percent of my loan amount. I just spoke to my lender, First National Bank, and requested that Private Mortgage Insurance be removed. They said that I must first submit a {$400.00} check for an appraisal to determine the value first. But it appears in this post and in looking at the legislation that that should not matter. The determination legally should be made on my original value amount, not an appraisal. This insistence that I pay them {$400.00} for an appraisal seems like an egregious attempt to circumvent consumer protection law. If they are relentlessly giving me the run around on this, how many other people are they doing this to?
|
| 06/14/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
XXXX XXXX passed away XXXX XXXX XXXX . We have tried to close this account several times but FNB Financial Services LLC. refuses to let us close this account because we do not have a short certificate. XXXX XXXX ( my mother ) had a will but it was not registered. My dad is now XXXX XXXX XXXX and this the last item he wants to handle before he passes away. My dad tried to list t he Interest from these XXXX accounts on his XXXX Tax return but XXXX & XXXX XXXX would not allow this and informed him by Pa law they are required to give him this money. I called FNB again on my dad 's behalf but they still insist they need a short certificate. Please help me clear up this matter. Sincerely, XXXX XXXX
|
| 01/14/2016 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX XXXX between the hours of XXXX and XXXX I went to First National Bank located in XXXX XXXX , PA to close my savings account, after contacted them in the past by phone they indicated me that I must be in person to any branch in order to close the account. Around XXXX they made an automatic transaction to my savings account with I asked to close in the afternoon, I call them nex day XXXX XXXX to clarify why they made the transaction and overdraft my account and charge {$37.00} fee, if I was in person and with time the day before in the bank to closed the savings and avoid this situation. They give a number to contact a supervisor XXXX XXXX this person never spoke with and someone told me he contact you and he never call me.
|
| 08/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
First National Bank sent me a letter in the mail describing they mismanaged my Escrow account and needed to raise my monthly amount double per month over {$2000.00} per month to get the escrow balance to where it needs to be. That monthly payment was unacceptable and completely unaffordable. After many calls and many days they finally told me they would separate this in a monthly fee resulting in an extra {$600.00} a month to make the escrow amount. I understand the escrow was mismanaged, but I do not see why I am being penalized for the bank 's mistake on managing the escrow account. Now my monthly fee for escrow is more than the principal and interest and the amount required I can not afford. Please see attached documentation.
|
| 12/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
I went to First National Bank in my local branch to open a business checking account on XX/XX/XXXX which was Saturday and account official opened on following Monday XX/XX/XXXX.
I funded {$15000.00} more in my account on XXXX XXXX XXXX but my account got a monthly fee charged on XX/XX/XXXX. I called First National Bank customer service asked to refund the {$29.00} fee because my account just opened in 30 days I already funded my account {$15000.00} more. My local branch refund {$15.00} to my account and {$14.00} still not refund my account.
As my knowledge when a customer opened an account in 30 days It usually no monthly fee.
I am writing this complain to request First National Bank to refund {$14.00} back to my account.
|
| 04/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On Friday, XX/XX/2022, I filed a fraudulent and unauthorized dispute with XXXX XXXX XXXX, and was told I would receive the provisional credit within 10 days! The bank failed to do so and compiled false evidence in the dispute process. Branch manager XXXX XXXX Stated and I quote " he pretended to buy a phone from the merchant and found evidence that there is an agreement about the payment was supposed to be split between 36 months a bank officer went outside of his duties and the dispute department went outside there duties and compiled illegal evidence against the consumer! Broke Regulation E and has not put any funds in the account!
I sent the document for the dispute the banks position was I was already made whole!
|
| 07/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I submitted a complaint through CFPB and they said that the {$37.00} fee would be refunded to me on XX/XX/XXXX and it HAS N'T been done. Response from original complaint. On XXXX XXXX, 2017, FNB issued you a one-time courtesy refund of OD Fees in the amount of {$37.00}. I need this done like XXXX XXXX XXXX said it would be and I have no further questions or need to speak to anyone on the phone. If you care about my business and want this to be finally resolved then I expect XXXX XXXX XXXX to make sure it gets done. Please respond back to this complaint when it is truly done and I can pull it up in my online banking and see it done, I realize it will now be done after the XX/XX/XXXXbut need this done ASAP.
|
| 05/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
According to my account, I am overdrawn. I reviewed my account online and not all of my previous transactions are listed. Every time something like this happens it appears that the bank posts what they want to first which results in a larger overdraft and more fees. I have complained about this problem before. And about not being given enough of an opportunity to fix the problem. Now I do n't get paid for another week and a half and will continue to be charged {$12.00} every 3 days until balance is corrected. I was only give half of my overdraft fees last time, because I was told the district manager never approves any overdraft fee reimbursement. Well, I think the problem needs to go higher up.
|
| 08/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I had an unexpected charge drafted out of mt checking account. I immediately contacted both the vendor ( for a refund ) and the bank to explain. I was informed by the vendor that a refund would be issued, but will take several days. This overdrew my account. Upon talking to the branch manager and explaining that my family was experiencing extreme financial difficulty due to the covid pandemic. He refused to refund or stop the fees from being deducted. For an approximately XXXX $ overdraft I was charged {$140.00} overdraft fee and counting as of this complaint : ( I, ll never get it positive as I can not drive atm to the location physically to close the account or make payment arrangements.
|
| 06/16/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
I went to First National Bank in XXXX, NC todayXX/XX/XXXX. Cashed a check for {$500.00}. The teller gave me ( 4 ) {$100.00} dollar bills and ( 5 ) {$20.00} dollar bills. I took the cash to my bank, XXXX XXXX XXXX XXXX, and the teller noticed one of the {$20.00} 's was counterfeit. I returned to First National Bank and they would not rectify the situation ... I am basically out of {$20.00} because THEY gave me a fake bill. I surrendered the counterfeit bill to XXXX XXXX XXXX and obtained a form stating such. I am filling a complaint due to the fact that First National Bank needs to exercise more due diligence to use caution in making sure the banks do not issue counterfeit bills.
|
| 08/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened the XXXX XXXX XXXXXXXX and paid an annual fee solely for the chance to obtain the {$400.00} bonus. I completed the 10 bill pays and was not awarded the bonus. It was deceptive that they made the offer available to me when opening the account if I wasnt eligible, even after entering my zip code. I even ask customer service reps and they said I would be eligible and just needed to wait a little longer. It is also wrong that I was sent the bonus requirements and had to sign the sheet knowing the terms where it said nothing about being Pennsylvania exclusive. I am appalled and feel deceit by this level of carelessness made by First National Bank.
|
| 08/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
First National Bank Checking XXXX On XX/XX/XXXX I received a phone call from the bank. I was told that there were two withdrawals fraudulently made for a total of {$500.00}.
XX/XX/2018 XXXX ATM WTD XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ATM ( {$200.00} ) XX/XX/2018 XXXX ATM WTD XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ATM ( {$300.00} ) I went to the bank branch office immediately and filed a claim. The bank deposited {$500.00} into the account.
On XX/XX/18 the bank withdrew the {$500.00} out of the account. I called XXXX. The person in the call center could not reverse the withdrawal or tell me the reason that the funds were withdrawn.
|
| 02/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Amount 2,500 is being stated on my credit bureau that is owed to first national bank of Pennsylvania this information is incorrect. That amount was fraudulently placed by a employer who scammed me for the funds I was unaware the employer paid me for my services with fraudulent funds that was later deposited into my checking account. I had no knowledge the funds was fraudulent and later filled a police report, reporting the employer was a scam and taking advantage of there employees. First national bank has refused to remove this account from my report and has negatively impacted by credit with all three credit reporting agencies
|
| 12/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
Someone intercepted a check I had mailed in the amount of {$1200.00} to my credit card company. They washed the check and made it out to themselves for {$6300.00} and cashed it on XX/XX/2022 via mobile device. They also were able to get into my online banking and transfer {$6500.00} from my savings account to my checking account on XX/XX/2022 so the check would clear. I discovered this transaction on XX/XX/2022 and immediately notified my bank via online chat and then went to my local branch the next day. I was told they are working with the financial institution that cashed the check and it could take 90 or more business days.
|
| 02/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Bank : First National Bank I had an account with {$650.00}. On XXXX, I withdrew the {$650.00} to another account to pay my mortgage. Upon withdrawal, the bank charged me a {$0.00} fee to transfer the funds. This resulted in a {$650.00} transaction, but I only had {$650.00} in my account. The bank charged me two fees due to a {$0.00} overdraft ( {$12.00} ( XXXX ), and {$37.00} ( XXXX ) ). How a {$650.00} transaction was able to go through when I only had {$650.00} is beyond my belief. I have tried to dispute the fees but the bank is not being cooperative. They said they would call me back, but I have not heard back yet.
|
| 11/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have a complete appraisal for my home and I requested to cancel the PMI insurance on the loan. First National Bank of PA has declined my request because they want their own appraiser to do the paperwork and they want {$480.00} to cancel the policy. I've called earlier in the year, they only correspond via mail and after several attempts to email them, they finally called me back and said they have a rule to only have their own appraiser do an appraisal, even though my home is clearly above the threshold for cancellation and it has been proved. I've provided the documentation to them and they will not accept it.
|
| 11/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I opened a business checking account with First National Bank on XX/XX/. I was told that I wouldnt be charged a monthly service fee for the first three months ( grace period ). However, I was charged a $ XXXX monthly fee on XX/XX/XXXX that was posted during my 3rd billing cycle. Because I didnt have sufficient funds, I kept getting charged {$8.00} every day afterwards. I added cash via the ATM on XX/XX/XXXX to bring my account back to positive, and still charged the {$8.00} for that day. I called customer service to request a refund and the agent submitted a form. I still see the fees posted to my account.
|
| 03/17/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
When I got the savings account, I was never given or seen a deposit account agreement..
I come to find out there is a fee for not adding and keeping the account activated this fee is {$10.00} a month. I had over {$300.00} in the account. I never got any notice of this fee, nor did I get any notice of the account being inactivated.
XX/XX/XXXX is the 1st time I got a deposit account agreement, since opening the account in XX/XX/XXXX..
Here I thought a savings account was for setting money aside and building it up, not for the bank to steal it!
This was done by First National Bank, PA the XXXX XXXX, branch
|
| 05/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
We have setup a Auto payment plan over three times now ( in person and over mail ). We have continued to get billed late fees and charges at which we can not control at this point. We have been billed over {$300.00} extra dollars in late fees after we have tried to fix the problem for two months now. FNB had not been helpful and continued to tell us to just fill out a form and mail it in ( which we have done over three times now ). We now owe more money on a car loan than we started. We thought we could trust in the the bank with the loan set up for us but have been constantly let down.
|
| 08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
First National Bank of PA is a bank that I have a line of credit with. My payments are on time and I have a co-borrower who is in bad straits with FNB of PA. He signed as a co-borrower when I needed help. That was 7 years ago and the account has been paid as agreed.
Now I find out that my credit is suffering because they are reporting this as an adverse account with late payments when are are none. This is because the co-borrower is in trouble with the same bank.
I asked them to remove the co-borrower to get rid of the bad reporting on my credit and they are ignoring me.
|
| 02/04/2017 |
No |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I made a deposit to cover a withdrawal in XXXX XXXX. My account was withdrawn on XXXX XXXX. I received a XXXX overdraft fee. I called to have the fee removed and was told it was going to be forwarded to a local branch for review. I was advised to pay the overdraft free because they charge a fee for being overdrawn and I will continue to be charged fees while they complete my review. I asked to close my account and she was not able to do that either. Stated I needed to go into a local branch. The company is making it hard on consumers in order to continue to charge fees
|
| 02/09/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I borrowed {$3500.00}, 24 month same as cash. Regency Finance set the payment due to {$140.00} per month, however at that amount I would need to pay more than the payment due, or pay for 25 months. They never informed me I would need to pay more monthly to satisfy the 24 month contract. They then assessed finance charges and interest because it was not paid in full within the 24 months with the monthly payment they set forth. This is deceptive and a fraudulent scam to trick the consumer to being XXXX payment shy of payment in full. Shame on you Regency.
|
| 08/21/2023 |
Yes |
|
|
|
Web |
|
|
XXXX XXXX was loan officer XXXX, I closed on my house with XXXX XXXX XX/XX/. This documents you see that I am uploading are not associated with first time home buyers program, financing XXXX. Approved financing XXXX, dselp, cda, dpa financing loans placed against my house 1st, 2nd 3rd liens. He was working with XXXX XXXX at the time he as since relocated to a northern bank. The scamming begun the first day, being deceptive, financing loans with out my knowledge and consent. XXXX XXXX email is XXXX. this is where the beginning of the scamming begun.
|
| 07/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
After having a checking account with them for several months, I believe they closed my account as I can no longer login to my account. I called up on XX/XX/XXXX to find out if my account was closed and if so what day my account was closed. The customer service representative said " it was a high risk call '' meaning my phone call about my account being closed was suspicious. He told me that a supervisor would call me back in 15 minutes. That was on XX/XX/XXXX and no one called me back. Today is XX/XX/XXXX and I still have not received a phone call.
|
| 07/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
After having a checking account with them for several months, I believe they closed my account as I can no longer login to my account. I called up on XX/XX/XXXX to find out if my account was closed and if so what day my account was closed. The customer service representative said " it was a high risk call '' meaning my phone call about my account being closed was suspicious. He told me that a supervisor would call me back in 15 minutes. That was on XX/XX/XXXX and no one called me back. Today is XX/XX/XXXX and I still have not received a phone call.
|
| 12/02/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I made a cash deposit into my checking account on XX/XX/2016, at an ATM at XXXX Bank XXXX ATM which the bank I use. The cash deposit was credited on XX/XX/2016, however, on XX/XX/2016 the bank charged my account an overdraft fee. I called customer service and was informed that cash deposits made at an ATM are not automatically credited to the account and must be made in person at a branch before XXXX. It is my understanding that a cash deposit is immediately credited and can not be held. THe bank held the cash deposit and charged an overdraft fee.
|
| 02/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I spoke to FNB Bank of PA on XX/XX/2020. I had problem with XXXX double billing me for my services. I explained to the bank my issue. The did nothing to help me. I was able to speak to XXXX to have the funds returned to my account. In doing so i was charged traditional overdraft fees. FNB Bank of PA does not post in a timely manner. I which caused me to have an additional overdraft fee.
I called them back on XX/XX/2020 to resolve this manner. Even based on the date that return was done. They still charged me an additional overdraft fee.
|
| 06/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I had saw in my checking account that {$3300.00} was transferred from my primary bank ( first National ) to a bank I dont have an account open for ( XXXX XXXX ). This was done on XX/XX/XXXX. I went ahead and contacted first national and filed a complaint directly through them. Im currently ( XX/XX/XXXX ) waiting for the paper work from them to complete the complaint process. This is also the second time in two months that unauthorized payments have been taken directly from account. Im not sure if my identity has been compromised.
|
| 01/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I opened a line of credit with First National for {$100000.00} against my home equity they did n't properly process the paperwork and did not acknowledge that I had existing homeowners insurance although I provided all necessary information then insisted that I pay them {$1000.00} for insurance plus fees and interest and every time I proved through XXXX XXXX who have it multiple times on record, they would not acknowledge my insurance and continue to say I have an outstanding balance and threaten to put my home in default.
|
| 08/17/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
This is a follow-up to complaint XXXX, regarding account fees charged without notice to an account that had become dormant. In their response to my original complaint, FNB changed their story and admitted that they had not sent statements following the dormancy of my account. They admit ( though they denied it on at least two prior occasions ) that their policy is not to send statements for dormant accounts. Thus they can begin charging fees with no notice to the depositor. This can not be acceptable to CFPB, can it?
|
| 01/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2023, I opened a personal checking account online with First National Bank. It's been 3 weeks and I still didn't receive the debit card. Because of that, I'm not able to create an online account, access my funds, sign up for e-statements to waive the monthly fee... etc. I contacted customer service by phone on XX/XX/2023 and by email on XX/XX/2023 without a solution. The physical branches of this bank are all closed on Saturday and Sunday. It's not an option for me to stop by and get a temporary debit card.
|
| 11/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
i wrote my bank in hopes of recovering funds after having my money stolen by a con artist online i even went as far as getting a police report on the account i was advised by the bank teller. i was told by phone it was nothing that could be done i have mailed them before about the matter and nothing has happen about the guy stealing from me. i love my bank but this matter was mis handled and they didn't even have the police report they just said they cant do anything i just mailed it the day i got the letter
|
| 03/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX {$450.00} XXXX XXXX Bank {$350.00} XXXX Bank {$1000.00} I did not authorize these charges an ex from my past made these charges after my card was stolen i tried to explain to the banks they act like they dont understand. im trying to dispute these charges. I need these removed off my name completely!
I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
|
| 09/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
i used to have my weekly paycheck direct deposited to FNB of PA approximately {$2000.00} ... from which i pay my monthly bills. In XXXX and XXXX of this year the bank paid only half of my bills and declared my account closed. returning the checks and not paying the bill was only part of the troubles ... they didnt return my money. youd think that at least with the account closed my money would be there.and not only that, all the bills nit paid charged me late fees and it dinged my credit ... please help me
|
| 06/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
I opened an account with XXXX dollars with first national bank of pennsylvania. After 1 day my online access was cut off due to me living outside of their traditional service territory. I called their customer service 3 times and the first 2 times i was told an online rep would call and reach out to me which never happened either time. Afterward, i tried to close the account out and they told me I have to do it in person. I live XXXX miles away and can not go into a branch and they wont do anything for me.
|
| 09/07/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
First National Bank charged me over {$190.00} of overdraft fee in {$12.00} increments every 3 days while I was travelling outside the country. The original charge that caused the overdraft was less than {$10.00}. When I came back after a month, I called the bank to inquire about the charges and they told me that they closed the account and sold the debt to a debt collector. The bank has my email and my phone number but I believe they did n't make any honest effort to inform me of the account status.
|
| 05/04/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
First National Bank gave me the pre approval on a home. I went through with the process on closing on the home, then I received the final approval letter for me to close on the specific home. That final approval letter was faulty, because the bank after sending went back and had to look at additional documents that the bank missed. This cost me to lose closing on the house and costs us thousands of dollars lost in my escrow account. The bank never offered to help or anything with this process.
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
First National Bank has only owned my equity loan account for a few months however they have reported XXXX missed payments on my report. They also fail to apply payments to my balance and after paying over XXXX in payments since XX/XX/XXXX they still show I owe my monthly payment. O hav3 contacted them numerous times and they can not find my payments although the payments show clearly on my online account. The last XXXX times I tried to contact them they disconnected on me for no reason.
|
| 05/19/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
My bank reordered transactions in order to charge more overdraft fees from my checking account. They took the largest withdrawal first, in order to overdraw the account, then charged {$37.00} for each additional withdrawal, for a total of {$180.00} in overdraft fees. When I called to inquire about why they reordered the charges, they said " that was their policy. '' I believe this a predatory policy and First National Bank has previously settled a class-action lawsuit related to this.
|
| 08/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/23, submitted small business application for sole proprietorship in response to advertisement of {$1000.00} bonus if certain conditions were met. Despite repeated attempts to inquire on the status of my application, I have not received a disposition. I am of belief and suspect the slow-walking of the application is tied to the {$10000.00} in credit card funding that was submitted as an opening deposit as this funding option has been removed from the application workflow.
|
| 06/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I had contacted XXXX to purchase a firearm and received a confirmation via email & text for my order once funds have been transferred ... and within moments of the transfer I did not receive any further information via text realizing that the website was fraudulent I contacted my bank to stop payment and they said the transfer was too late and already processed I asked to investigate where the payment went considering it was from my direct account to a valid number to no avail
|
| 03/14/2017 |
No |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
[ Case number : XXXX ) This is, again, a complaint requarding the merger of XXXX and First National Bank. XXXX customers have not been able to access their accounts since Friday last. This is Tuesday at XXXX. We still ca n't get in online or by phone. Credit/Debet cards have been turned off. What are we to do now? Called branch and they are also down and ca n't even issue temporary cards.
Notified CFPB yesterday -- still no response. Next call to Sen. XXXX, XXXX and Rep XXXX
|
| 03/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I went to open an account at another bank XXXX XXXX They declined me because of error at an old bank I was unaware of until I inquired about the issue. Apparently someone tried to charge something to my forrmer account which had a balance of {$17.00}. First National Bank of PA declined the charge and charged fees on the overdraft. I called them today and they referred me to some collection agency where they placed the charges. I called them twice and they cut me off.
|
| 03/01/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
My bank, First National Bank, did a security update on XXXX and XXXX. After the 30 minute long security details, I went through the long security process. When I tried to log on to my account I had no idea which of the many security numbers I should use. My account was disabled after I tried to use the different numbers. The message said to call the XXXX Customer Service number. It was busy all day on XXXX and XXXX I can not access my First National Bank account.
|
| 01/10/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I mail payments to my local First National Bank branch to pay my HELOC second mortgage. In both XXXX and XXXX the check cleared but the payment did not appear on my statement. I caught the mistake reviewing my statement and called the branch. They told me that the payment had been misapplied and the problem has been fixed.
This happened a total of four times in 2016.
I 've had to go through the process of notifying the branch of their mistake each time.
|
| 01/13/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Made an initial complaint in XXXX regarding a credit reporting issue ( Complaint # XXXX ). Creditor issued a letter saying that they had fixed the problem and that the late payment would be removed. Problem was never fixed. I have now contested the item on my credit report ( XXXX ), and the creditor actually responded to XXXX XXXX that the late payment ( which the creditor claims to have had removed from my credit ) was *correct* and should not be removed.
|
| 01/26/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Repeated calls from company with threats of legal action prior to me sending the check to bring the account current. The day after the check to bring the account current. A representative arrived at my apartment and proceeded to argue about the debt in the hallway within earshot of my neighbor who should n't have heard information regarding my debt. After XXXX was notified the check was mailed and to leave, she threatened to return with police officers.
|
| 10/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Some of my checks were stolen from my mail box, One check was washed and rewritten with different signature and different type of writing and first national bank doesnt want to be responsible for this problem although the checks were cashed at XXXX XXXX XXXX in New Jerseys but they dont want to be responsible I being trying to collect my {$2300.00} dollars but again they dont want to pay back my money!!
Thank you for your help.
XXXX XXXX XXXX XXXX.
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from First National Bank on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. First National Bank violated federal law. see 15 USC 1681b A2. I did not give First National Bank Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
|
| 02/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I checked my credit report on XXXX XXXX to discover that I had 6 hard pulls on my credit report, of only 3 that I recognize. XXXX XXXX, is whom I have my SUV financed through. XXXX XXXX, is the dealership I purchased my SUV. XXXX XXXX financed a credit card from XXXX. I would like the other 3 removed form my credit report. Please remove the following : XXXX Inquiry from XX/XX/2017 Fnb Bank Inquiry from XX/XX/2017 XXXX Inquiry fromXX/XX/2017
|
| 06/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I recently learned an account with FNBP without my knowledge. I spoke to the fraud department and they told me that if I paid the account off that it would be removed from my XXXX report. I then received a letter from them stating the same. I called the collection agency and paid the amount due, but my XXXX report was updated by FNBP as paid/closed and not removed as they stated.
Full Name : XXXX XXXX SSN : XXXX DOB : XXXX XXXX XXXX XXXX
|
| 12/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have a mandatory auto draft on my business checking account for insurance. I also receive ACH payments from my clients. I was aware that my auto draft would come out of my account prior to the deposit but I was not expecting the XXXX {$74.00} overdraft fees in addition to {$8.00} a day. It seems as if a debit which I had money in the account for was held and forced an overdraft fee. I have asked the bank and received no assistance.
|
| 06/17/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
Redeemed a IRA CD with a maturity date of XXXX XXXX XXXX and was charged a no disclosed fee off XXXX dollars.
The contract I signed said nothing about XXXX dollar fee!
In response the bank sent me a letter claiming the was discussed with me prior which it was not and added a fee schedule dated more than a year after I signed the document.
Not fee was discussed with me at time of signing document and no fee schedule was added.
|
| 03/28/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I was signed up for email and text alerts for various account situations. I was getting them just fine. Then they stopped delivering any over draft alerts. This has resulted in many over draft fees and their research department has yet to be able to determine why they stopped. They refuse to refund my fees even as they conduct the research and are admitting that the account functions they advertise do not work correctly.
|
| 05/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I received two unauthorized charges on my debit card my card is set up so charges can not go through unless the funds are there Ive reported unauthorized charge to the bank they refuse to remove the charges even though I reported their not mine this not the first time how the charges were put through I dont know they never did a provision credit nothing just let it lay there the local branch is horrible they do nothing
|
| 04/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have unauthorized inquiries on my credit report that I have attempted to get removed from my credit report on several occasions to no resolution. As well as disputing these inquiries on my credit report.
List of inquiries : XXXX XXXX : XX/XX/2020 XXXX : XX/XX/2020 XXXX XXXX XXXX : XX/XX/20XXXX XXXX XXXX XXXX : XX/XX/2020 XXXX XXXXXXXX XXXX XXXX : XX/XX/2020 XXXX XXXX of XXXX : XX/XX/2020 XXXX : XX/XX/2020
|
| 08/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
First National Bank of PA violated the following under the Federal Fair Lending Regulations.
- Fail to provide information or services relating to, or provide different information or services relating to, any aspect of the lending process, including credit availability, application procedures, and lending standards - Refuse to extend credit, or use different standards in determining whether to extend credit
|
| 08/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
in accordance with the fair credit reporting act XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 04/12/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently went to open up an account at my local credit union in Texas and was informed that I had an account opened and closed with this bank. I never opened an account with First National BankXXXX and realized that this account had been opened by my ex who was deceased and had opened other accounts using my identity. I reached out to First National Bank to resolve this issue but no one has contacted me.
|
| 07/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/2018 I recieved a direct deposit of {$5.00} that brought my account to {$10.00}. On that same day I made a purchase of {$6.00} aXXXX XXXX. The bank charged me a overdraft fee because they say I didn't have enough funds, but I did. When I asked why they charged that overdraft fee they didn't have a reason for it. It took them two days for them to get back to me with a reason why.
|
| 07/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
{$1000.00} was taken from my account by XXXX. I tried to fix this through XXXX and they denied my refund. I contacted my bank and files a dispute. This was taken XXXX XXXX, and XXXX of XX/XX/2023. Ive waited over a month. I called XXXX today, XX/XX/2023. They told me they refunded my bank on XXXX XXXX. My bank, First National Bank said they have 90 days to give me my money.
|
| 08/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
XXXX/XXXX/XXXX : Balance XXXX XXXX/XXXX/XXXX : deposit XXXX XXXX/XXXX/XXXX : new balance XXXX XXXX/XXXX/XXXX : overdraft fee XXXX XXXX/XXXX/XXXX : verizon payment XXXX XXXX/XXXX/XXXX : purchase XXXX XXXX/XXXX/XXXX : new balance XXXX XXXX/XXXX/XXXX : another overdraft fee XXXX XXXX/XXXX/XXXX balance XXXX My financial institution would NOT remove/replace the XXXX {$140.00}
|
| 05/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I was a few days late on a payment and the branch manager contacted my mother to discuss my account. I am XXXX years old and my mother does n't need to be involved in this. My mom was told they could n't reach me and " my account very delinquent ''. I work nights and sleep during the day when they call. My account was not very delinquent but only by a few days.
|
| 03/24/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
i was a XXXX Customer. XXXX was recently acquired by First National Bank ( PA ). I was just informed by FNB that I will not be able to access any of my prior banking records online from XXXX. I never received notice that this is the case and find it hard to believe that FNB can aquire a bank and then purge all of the customers past history under the old bank.
|
| 04/19/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Older American, Servicemember |
|
Lender illegal reported to my credit as a auto REPO when I never got my vehicle through the this company. I still have my vehicle NEVER repo I OWN it. Regency Financial turned my money loan into a AUTO REPO. because they figured they would n't get their money back. From this unlawful report Im ' unable to get a car fo r my family because it says repo!
|
| 09/12/2016 |
No |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
My bank, Metro Bank, was purchased by First National Bank. From the very first day we were unable to get into our account online and were not given any help from the branch.
They have continuously charge fees and manipulated dates of both deposits and transaction.
There treatment of the public is nothing short of disgraceful and underhanded practices.
|
| 01/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We refinanced a mortgate with First National Bank of Pennsylvania ( FNB ). We closed on XX/XX/21 and were to receive a check for $ XXXX from the transaction. By the end of closing, funds still had not been provided by FNB and so we left empty-handed. We were told it would be resolved this morning. Still not resolved, still have not received the money.
|
| 04/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
XX/XX/2022. I bought things through the weekend, it showed on ATM receipts and app as off my total. Sunday night the XXXX something came out putting me negative. I should have got XXXX over draft fee they charged almost XXXX in fees for things I bought friday and Saturday .. this is the XXXX time this has happened. First national bank of Pennsylvania
|
| 07/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Opened a checking account with First National Bank on XX/XX/2023 with the promise of reward of {$600.00} credit to my account if I had direct deposit in the amount of {$1500.00} in the first XXXX days and automatically make XXXX car payments with the same account. Both requirements were met and First National Bank only paid {$300.00} to the account
|
| 06/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Late payment history is wrong. The late payments and/or payment history isnt reported the same on all XXXX bureaus. Dates do not match. Account is paid in full.
XXXX shows late payment for XXXX XXXX. XXXX shows late payment for XX/XX/XXXX. Payments are incorrect. Close and open dates do not match. Comments do not match. Each report is different.
|
| 08/20/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On numerous dates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX has contacted the a place of business after expressly advising personal calls could not be received. Employee, XXXX, called at least five times back to back on XX/XX/2018, even going as far to call private to try and gain access to employee. This is unacceptable and harassment.
|
| 08/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
There was two accounts opened for a Car loan for first national bank and XXXX XXXX that has been disputed under identical theft, but still remains on my credit report after multiple disputes, Ive given them the police report numbers and also the FTC filing numbers stating specific sections of the FCRA mailed to them registered returned mail
|
| 03/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
XXXX XXXX PA and XXXX XXXX PA denied me XXXX commercial mortgages, FNB is my commercial bank and it took them 7 months to decide. No cause given except " cash flow ''. New real estate would have generated {$12000.00} monthly positive cash flow. Assets, credit score, bill pay history all very acceptable. Net worth over XXXX dollars US XXXX
|
| 04/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Failed to pay property taxes after 5 phone calls to bank. They denied they did anything wrong and told me to dismiss delinquent notices due to the fact they paid the taxes. However they never sent me proof that they were paid. I pay my taxes in my mortgage and today received a certifed letter of delinquency.
|
| 08/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Incorrect information on payments made in XX/XX/2021. Payments were made before XXXX days late and information doesnt match on all XXXX bureaus. Creditor removed/deleted entire account from transunion due to continuous incorrect information but did not do the same for the other bureaus
|
| 07/11/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My debit card was fraudulently used on XX/XX/19 in the amount of {$1200.00}, I received a text from the bank asking if this was my transaction, I replied no but they processed the transaction anyway. Causing my account to now overdraft they took the amount out of my savings account.
|
| 08/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I 've been having problems with my checking account and overdraft charges. It 's gotten so bad that I 've been sending my auto loan payment in to the same bank late now for a few months. Is there anything I can do to try and get these fees refunded to me so I can breath again?
|
| 01/31/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
The employee took down all of my information. He signed me up for an account. Then asked me to wait a second left the office and came back with an adverse action letter. He said some banks may be reporting incorrect information and this is why he is denying me an account.
|
| 08/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I was charged an overdraft fee and I do n't understand why. There were some trial deposits sent by my other bank and taken out on the same day to create a link. This should not have caused an overdraft. Please refund the {$37.00} overdraft fee charged. Thank you
|
| 12/22/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
The morning of the sheriff 's sale I had gone in and given a matcheck that was more than I was behind on I have a signed receipt of that. It was XXXXXXXX XXXX XXXX XXXX and I don't think the house went to auction until afternoon but yet they still sold it.
|
| 12/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
XXXX recieved a letter in the mail saying I have an open account with First National bank with a current balance of $ XXXX. Called First National on XXXX to report Ive never opened an account with XXXX XXXX nor withdrew money.
|
| 01/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
They charged me two HSA paper statement fees. When I called a branch, they said they had no power to switch me to electronic and that for refunds, I would need to go to the branch that opened it. But I am scared of them.
|
| 02/24/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
XXXX, headquartered in XXXX, Pennsylvania, merged with First National Bank. Following the merger, online bank statements prior to the effective date of the transition ( XXXX/XXXX/16 ) are no longer available.
|
| 08/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This was an auto loan taken out by my ex husband ( regency finance co. ). Not only has it been closed and charged off but happened in 2010. We have been since divorced, and it shouldnt be on my credit report
|
| 11/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Changed business checking from XXXX to FNB and was offered $ XXXX to open account. Met all criteria of deposit amount, online banking and activity but only received {$800.00}.
Online banking ID : XXXX
|
| 02/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
I have enrolled with XXXX XXXX XXXX and sent out the appropriate paper work as well as informed this company to please stop calling my workplace and threatening to attach wages and litigation processes.
|
| 04/05/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Bank paid garnishment from Trust or Fiduciary account. These are funds of others held in trust for closing of real estate transactions. The funds legally can not belong to the account holder.
|
| 10/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
First national bank purchased my accounts from XXXX XXXX XXXX transferred my non fee based accounts into fee based and then subsequently drafted service fees until the account was empty.
|
| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 07/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Continued calls to boss at workplace after alternate number given, threated sheriff to come talked to boss about garnishing washes after 60days late.
|
| 11/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Opened account under a XXXX bonus promo. Only received $XXXX even though all requirements met
Did online banking, deposit amount & min activity
|
| 04/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
my bank has sold my commercial loan denial to numerous secondary, tertiary, and worse lenders. I do not know if this is legal. can you help me?
|
| 09/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
Regency finance came to my house twice now and threatened me with wage garnishment. If I did not pay. They call about 10-15 times a day.
|
| 08/30/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
They are texting me and sending messages via social media. I have all the messages saved- they arent leagally authorized to do either.
|
| 03/10/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Bank is reordering transactions to cause overdrafts and not processing deposits before withdraws.
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I paid this account 7 years left and I still see this very negative report in my credit report
|
| 08/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/2017 I have previously disputed this fraudulent account. It was not opened by me.
|
| 10/07/2016 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have inquires in my report about back accounts I did not try to open
|
| 02/02/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
Servicemember |
|
|
| 12/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 12/12/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Phone |
|
|
|
| 10/18/2023 |
Yes |
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 10/11/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Referral |
|
|
|
| 10/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 09/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Older American |
|
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Servicemember |
|
|
| 06/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 05/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
Older American, Servicemember |
|
|
| 05/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
|
| 04/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web Referral |
|
|
|
| 04/04/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Referral |
|
|
|
| 03/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 03/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
|
| 03/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
|
| 02/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 01/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 01/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 01/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 12/29/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Older American |
|
|
| 12/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 12/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Servicemember |
|
|
| 12/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Phone |
|
|
|
| 10/18/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
|
| 09/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Phone |
Older American |
|
|
| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Older American |
|
|
| 09/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 08/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 08/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/11/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 08/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/20/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/13/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
|
| 06/08/2022 |
Yes |
- Checking or savings account
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 06/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 06/03/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 05/21/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
|
| 05/18/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/15/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
|
| 05/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 04/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/22/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 04/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Servicemember |
|
|
| 04/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/30/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 03/15/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
|
| 03/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 03/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Postal mail |
Servicemember |
|
|
| 03/01/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 02/11/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 01/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 01/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
|
| 01/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Postal mail |
|
|
|
| 01/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 12/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Referral |
|
|
|
| 12/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 12/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Referral |
|
|
|
| 11/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 10/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
|
|
|
| 10/27/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 10/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
|
| 10/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 09/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Phone |
|
|
|
| 09/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/10/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 09/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
|
|
|
| 08/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 08/09/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 07/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
Older American |
|
|
| 07/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
Servicemember |
|
|
| 07/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 07/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 06/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Postal mail |
Older American, Servicemember |
|
|
| 05/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 05/14/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 04/26/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Phone |
Older American, Servicemember |
|
|
| 04/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 02/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 02/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 01/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 01/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 01/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/30/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 12/24/2020 |
Yes |
|
- Trouble during payment process
|
|
Referral |
Older American |
|
|
| 11/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 11/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Referral |
|
|
|
| 10/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 10/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
|
| 10/06/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
|
|
| 10/02/2020 |
No |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
|
| 09/09/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 08/31/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 08/28/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 08/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 08/20/2020 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 08/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 08/18/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 07/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Phone |
|
|
|
| 07/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 07/06/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 06/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 06/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 05/28/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/27/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 05/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 05/20/2020 |
Yes |
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/19/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 05/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 05/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 04/29/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 04/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 04/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 04/09/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Postal mail |
|
|
|
| 04/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
|
|
|
| 04/01/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/27/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 03/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American, Servicemember |
|
|
| 03/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 03/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 03/11/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 03/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 03/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/18/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Phone |
Older American |
|
|
| 02/13/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 02/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 02/03/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 01/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 01/24/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
Older American |
|
|
| 01/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 01/14/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 12/26/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Phone |
Older American |
|
|
| 12/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 12/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
Servicemember |
|
|
| 12/11/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 12/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 11/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 11/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/15/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 11/14/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/25/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Phone |
|
|
|
| 10/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
|
| 09/03/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 08/26/2019 |
Yes |
|
|
|
Web |
|
|
|
| 08/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 08/14/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 07/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
|
|
|
| 07/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Phone |
|
|
|
| 07/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Referral |
|
|
|
| 07/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 07/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
|
| 07/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
|
| 06/25/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 06/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/30/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 05/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Referral |
|
|
|
| 05/14/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 05/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 04/01/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 03/20/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/18/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 02/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 02/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/06/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 01/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 12/19/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 12/18/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Phone |
|
|
|
| 12/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 12/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
Servicemember |
|
|
| 11/27/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Phone |
|
|
|
| 11/15/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 11/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 10/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 10/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 09/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Servicemember |
|
|
| 09/08/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
|
| 08/17/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 07/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 06/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Postal mail |
|
|
|
| 06/25/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Phone |
|
|
|
| 06/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/14/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Fax |
|
|
|
| 06/07/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 04/27/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/26/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 04/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 04/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Phone |
|
|
|
| 04/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 04/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Referral |
|
|
|
| 04/04/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Referral |
|
|
|
| 03/30/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
|
|
|
| 03/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 03/22/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 03/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 03/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Phone |
|
|
|
| 02/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 02/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Postal mail |
|
|
|
| 01/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 01/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 01/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
|
| 01/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Phone |
Servicemember |
|
|
| 01/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 01/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 12/20/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 12/08/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 12/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/27/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 11/01/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 10/30/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 10/27/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 10/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 10/23/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American, Servicemember |
|
|
| 10/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 10/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 10/10/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 10/04/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
Servicemember |
|
|
| 10/04/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 09/30/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 09/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 09/03/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 08/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 08/16/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 08/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 08/10/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
|
|
|
| 08/09/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 08/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Phone |
|
|
|
| 07/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 07/28/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 07/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 07/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 07/20/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/04/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 06/22/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
|
| 06/20/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Postal mail |
|
|
|
| 06/18/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 06/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 06/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 06/09/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/09/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Referral |
|
|
|
| 06/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 06/02/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Postal mail |
|
|
|
| 05/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 05/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 05/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 05/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 05/12/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 05/10/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 05/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Phone |
|
|
|
| 05/04/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/04/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/04/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 05/02/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Phone |
|
|
|
| 04/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 04/20/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 04/18/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 04/18/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 04/13/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 04/11/2017 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Fax |
Older American |
|
|
| 04/07/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 04/06/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 04/06/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Postal mail |
Older American |
|
|
| 04/05/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 04/04/2017 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Phone |
|
|
|
| 03/29/2017 |
No |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 03/27/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 03/23/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
|
| 03/21/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
|
| 03/13/2017 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 03/10/2017 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 03/08/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 03/06/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 03/06/2017 |
No |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 03/01/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/01/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/28/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Phone |
|
|
|
| 02/06/2017 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/26/2017 |
No |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
|
| 01/26/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/24/2017 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Phone |
|
|
|
| 01/19/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/12/2017 |
No |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 01/02/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/20/2016 |
No |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 12/19/2016 |
No |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Phone |
|
|
|
| 12/15/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Phone |
|
|
|
| 12/05/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 11/30/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 11/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 11/15/2016 |
No |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 11/14/2016 |
No |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 10/22/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/11/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Referral |
|
|
|
| 09/22/2016 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Fax |
|
|
|
| 09/19/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/15/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 09/03/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 08/31/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Postal mail |
Servicemember |
|
|
| 08/29/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Phone |
|
|
|
| 08/26/2016 |
No |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 08/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/28/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Referral |
|
|
|
| 07/22/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 07/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 07/13/2016 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/13/2016 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/12/2016 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/12/2016 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/11/2016 |
No |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 07/05/2016 |
No |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 06/30/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 06/29/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 06/20/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Phone |
Older American, Servicemember |
|
|
| 06/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Phone |
Servicemember |
|
|
| 06/08/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Phone |
|
|
|
| 06/07/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 06/06/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Fax |
|
|
|
| 05/24/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 05/20/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 05/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
|
| 05/18/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/16/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 05/12/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 05/10/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 04/27/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 04/15/2016 |
No |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Phone |
Older American |
|
|
| 04/06/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Referral |
|
|
|
| 03/04/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
|
| 11/28/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 11/26/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Referral |
|
|
|
| 11/20/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|
| 11/18/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 11/06/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 11/04/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Referral |
|
|
|
| 10/30/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 09/30/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 09/02/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 08/15/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
|
| 08/06/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/04/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 07/24/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Phone |
Older American |
|
|
| 07/21/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Fax |
|
|
|
| 05/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 03/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 03/03/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
|
| 02/26/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 02/24/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Referral |
|
|
|