ComplaintsforFirst National Bank of PA

• Initial Complaint

  10/08/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

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

  Business response

  10/22/2024

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

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

  
  On October 12, 2024, you successfully enrolled in Online Banking and selected to receive electronic statements and notifications regarding your account. If you need further assistance with your account, you may visit any ********** location or call the ************** at ************, Monday through Friday from 8:00 AM to 9:00 PM, or Saturday through Sunday 8:00 AM to 5:00 PM. 
  We hope this response to your complaint meets your satisfaction. While this communication is intended to present the facts of the situation, we would like to express our appreciation for your business and our hope that you will continue to allow us to serve your financial needs. 

  
  Sincerely, 
  
  ******* Pirro 
  Market Manager 
  *********************** First National Bank 
  

  
  

  Customer response

  10/24/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  Your complaint did not address the concern presented. Did you reprimand the representative who,was so rude? If you keep,her on your staff will close my account.

   
  

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

• Initial Complaint

  09/30/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

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

  Business response

  10/11/2024

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

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

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

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

  
  We hope this response to your complaint meets your satisfaction. While this communication is intended to present 
  the facts of the situation, we would like to express our appreciation for your business and our hope that you will 
  continue to allow us to serve your financial needs.

  
  Sincerely,

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

• Initial Complaint

  09/17/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I went into bank to withdraw money from my account and was discriminated against by the store manager. She treated me like I was stealing the money that my mother had wired to me due to my father death from my own account. Thai entire situation has caused me so much stress especially at this hard time in my life. I am requesting that the hold be immediately removed from my account and this women be held accountable for abuse of power. Her personal feelings towards a person isnt what she is paid for. That isnt what she was hired for and to be able to place a hold on a person that has a baby and cant even buy formula for their child without proper notice from the bank or proper investigation is an abuse of child power. Something need to be done and this bank needs to be shut down. They are terrible. My father died and they are calling me a thief because clearly Im now allowed to have as much money as I have or take it out my own account.

  Business response

  10/02/2024

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

  
  We have reviewed the details of your complaint regarding your deposit. On September 11, 2024, your 
  account was credited $25,000.00 via incoming wire transfer. Pursuant to the Deposit Account 
  Agreement (DAA) provided at account opening and enclosed for your reference, all deposits are subject 
  to our verification and review for compliance with law and our policies. This review may result in delays 
  in the availability of funds in your account. On September 16, 2024, the funds from your deposit were 
  placed on hold while they were being verified.

  
  I contacted you via phone on September 17, 2024, and explained that the funds were on hold. I further 
  advised that you may be asked questions when conducting withdrawals at *** offices for security 
  purposes prior to being provided funds. The hold was released on September 19, 2024, and the funds 
  became available in your account.

  
  You visited the ************** Office on September 19, 2024, and withdrew $10,944.91. You advised the 
  Relationship Banker who assisted you that you intended to close your account. The Relationship Banker 
  advised you that because there was pending activity on your account, it could not be closed that day. 
  She further suggested to keep funds in the account for any further transactions that you may have 
  scheduled, and you may close your account once there is no pending activity.

  
  On September 20, 2024, the ending balance for your checking account was $10.00. Saturday, September 
  21, and Sunday, September 23, were non-business days and no transactions posted to your account. To 
  determine your available balance, we take your ending balance from the prior business day plus or 
  minus any preauthorized debits or available credits. Your available balance to pay items on September 
  23, 2024, was $10.00. From your available balance, your account was presented with two (2) items 
  totaling $1,083.77, which posted to your account leaving a negative balance of $1,073.77. 

  
  The Overdraft fee (OD fee) assessed to your account on September 24, 2024, in the amount of $35.00 
  was caused by the $284.57 transaction that posted on September 23, 2024. Please note that per the 
  enclosed **** the $799.20 transaction that posted to your account was not assessed an OD fee because 
  you had sufficient funds in your account when you initiated the transaction, however it posted against 
  an insufficient balance. A copy of your recent transaction activity is also enclosed for your reference.

  As of the date of this letter, your account is currently overdrawn, and we encourage you to bring your 
  account current as soon as possible. Per the **** it is your responsibility as the accountholder to bring 
  your account current. If your account remains overdrawn, your account may be charged-off and 
  reported to consumer reporting agencies to initiate collection efforts.

  
  We hope this response to your complaint meets your satisfaction. While this communication is intended 
  to present the facts of the situation, we would like to express our appreciation for your business and our 
  hope that you will continue to allow us to serve your financial needs.

  
  Sincerely,

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

  Customer response

  10/08/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
   
  Regards,
  
  ****** *********

• Initial Complaint

  09/17/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

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

  Business response

  09/30/2024

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

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

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

  
  We hope this response to your complaint meets your satisfaction. While this communication is intended 
  to present the facts of the situation, we would like to express our appreciation for your business and our 
  hope that you will continue to allow us to serve your financial needs.

  
  Sincerely,

  
  Brad Joyce
  Market Manager
  Raleigh-Durham Region
  First National Bank

• Initial Complaint

  08/25/2024

  Complaint Type:

  Delivery Issues

  Status:

  Answered

  More info

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

  Business response

  09/06/2024

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

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

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

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

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

  
  We hope this response to your complaint meets your satisfaction. While this communication is intended
  to present the facts of the situation, we would like to express our appreciation for your business and our
  hope that you will continue to allow us to serve your financial needs.

  
  Sincerely,

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

  Customer response

  09/06/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I did not receive a call nor do I receive a voicemail from you. This information is incredibly inaccurate and Im extremely disappointed as the effort was not even made to contact me via cell. I will be closing BOTH accounts as I cannot do business with a company that does not rectify issues as serious as this. 
  
  Regards,
  
  ****** D. *********

  Business response

  09/25/2024

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

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

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

  
  Sincerely,

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

• Initial Complaint

  08/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I sent a wire transfer amount of $45,000 to my crypto**** account to invest in bitcoin from the bank and two days later the bank sent me a letter that they will be closing my account and also crypto**** email me that they will be returning the money back to my account within 7 days and immediately i told my bank that the money i wire has been returned back to my account and i was told by my bank that they will let me know when they received it since then have been going to them for almost 2 month to get my money and all they have been telling me is that they will call me and since 2 month now nothing has been done have been to the bank over 20 time and they refused to release my money and i could not pay my bills and be able to feed myself anyone because of this and it has lead to very serious depression to me and i dont know what to do anymore because i urgently need my money or i will kill myself

  Business response

  08/29/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on August 22, 2024, regarding your checking accounts ending in **** and **** at First National 
  Bank of Pennsylvania (FNB). 
   
  We have reviewed the details of your complaint regarding your wire transfer. On June 26, 2024, you 
  visited the Wilkes Barre Arena Office and initiated a wire for $45,000.00 to your account at Community 
  Federal Savings Bank located in New York. On June 27, 2024, you withdrew the remaining funds in cash 
  and closed your accounts. Mary Herbert of the Wilkes Barre Arena Office spoke to you via phone on July 
  2, 2024, to inform you that the $45,000.00 from your wire had been returned. You came to the office on 
  July 3, 2024, and you were issued an official check for the funds from the wire transfer, of which a copy 
  is enclosed for your reference. You deposited that check the same day to NBT Bank. 

  
  We hope this response to your complaint meets your satisfaction.

  
  Sincerely,

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

• Initial Complaint

  08/14/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  My name is ******* ****** ****** I need help closing my account out ending in FREESTYLE CHECKING - ********* and also closing my online bank access out for username ********* so when I login I can’t login no more because I have called ###-###-#### to close the account out and she told me I can’t close it out I have to go to a bank and I can’t go to a bank I don’t have no way to get to a bank or have transportation to get around to close it out in person so please close the account out for and close the online bank access out for me and close the card ending in **** out for me and send me proof when you close them out for me etc.

  Business response

  08/23/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB) on August 15, 2024, regarding your checking account at First National Bank of Pennsylvania (FNB). 
   
  We have reviewed the details of your complaint regarding your account closure. You contacted the 
  Contact Center via email between August 11, 2024, and August 14, 2024, and requested to close your 
  account. You were advised by the Contact Center Representatives (CCR) who assisted you that your 
  account had a balance of negative $3.51 and needed to be brought to a zero balance in order for it to be 
  closed. 

  
  Branch Manager Sean O******* of the North Second Street Office attempted to reach you via phone and 
  left voicemails for you on August 13, 2024, and August 14, 2024. He spoke with you via phone on August 
  20, 2024, and advised you that $3.51 was credited to your account as a courtesy that same day, which 
  brought your account to a $0.00 balance. Mr. O******* closed your checking account and temporary 
  debit card on August 14, 2024. Because you no longer have an open account with FNB, you do not have 
  access to Online Banking. A copy of your account activity is enclosed for your reference.

  
  We hope this response to your complaint meets your satisfaction.

  
  Sincerely,

  
  Charles B****
  Market Manager
  Capital Region
  First National Bank

  Customer response

  08/23/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ******* ******

• Initial Complaint

  08/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have this Loan auto loan with First National Bank, June 2024 my car got into accident and got into a total loss. We called First National Bank with progressive on the call. Got the payoff amount since then progressive tried to reach them to get the payoff letter of authorization so they could send the funds to them. They tried to contact them several times every week for five weeks until they got hold of them on June July 23 And that’s when they got the paper and they issued a check right away but now with the situation is that First National Bank trying to overcharge me the penalties fees and all that stuff and asking for more money when the original payoff amount was $41,270 which 39,295 was paid by progressive additional $20 was paid by progressive and I also made additional payment of $922 which leaves the balance according to all the payments it should’ve been only $1033. They trying to ask me for more than $1800 which was not my fault or the progressive fault. It was the fault of first national bank not responding to the request so they could send the money right away when they asked at the first point in June 20 national bank delayed on their end which caused me extra money and I don’t have that kind of money to pay. I need that issue resolved, please can you help me?

  Business response

  08/21/2024

  Please accept this letter in response to the complaint that we received from the Better Business Bureau 
  (BBB.) on August 8, 2024, regarding your auto loan at First National Bank of Pennsylvania (FNB).

  
  We have reviewed the details of your complaint regarding your loan payoff. Beginning on June 20, 2024, 
  your insurance carrier, Progressive, requested a Letter of Guarantee (LOG) from FNB, for a total loss 
  payoff of your vehicle loan. When they asked for a status update on June 28, 2024, they were advised 
  that the LOG was pending approval by FNB. On July 23, 2024, the Letter of Guarantee was emailed to 
  Progressive, and partial payoff was issued to FNB in the amount of $39,295.89.

  
  As a courtesy, on August 9, 2024, $304.05 was refunded to your loan balance for the interest accrued 
  from June 20, 2024, until July 29, 2024. In addition, Force Placed Insurance in the amount of $191.00 
  was also refunded to the balance of the loan. Enclosed is an updated payoff quote that is valid through 
  August 24, 2024.

  
  We apologize for any inconvenience this delay may have caused and hope this response to your 
  complaint meets your satisfaction. 

  
  Sincerely,

  
  James A****
  Market Manager
  Mid-Atlantic Region
  First National Bank

• Initial Complaint

  08/05/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  On 8/5/24 I was notified that I would have to pay off the amount of a vehicle in full prior to getting it back from Repo and that nobody had that amount yet. I was told I could send verification of new employment and potentially have this reviewed. When I called back, I was told now I needed two months of previous pay stubs for review. When asked what this review process was and what it entailed I was told they couldn’t provide me that info they just collect the stuff and forward it to “him” So now my personal info is being reviewed by him and it could take 48 more hours where more fees will be charged. After 6 hours of fighting to get this figured out. Extremely bad business practices!

  Business response

  08/19/2024

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

  
  We have reviewed the details of your complaint regarding your loan status. Pursuant to the enclosed 
  note that you signed on April 7, 2021, beginning on May 7, 2021, your monthly payments in the amount 
  of $434.42 are due on the seventh day of each month. The note further states that if you do not make 
  your monthly payments, your loan will be in default. 

  
  On October 30, 2023, you made your payment that was due on October 7, 2023. However, you did not 
  make another payment until you paid $700.00 on December 27, 2023, to bring your loan current. Your 
  loan became delinquent again because you stopped making your monthly payments in full in early 2024. 
  The enclosed Intent to Repossess letter was provided to you on February 21, 2024, which states that if 
  your loan was not brought current, the repossession process would proceed.

  
  Your vehicle was repossessed on August 5, 2024. You contacted the Loan Adjustments department to 
  make arrangements to redeem your vehicle. In order to redeem your vehicle and verify that you are 
  able to make timely payments moving forward, you were advised to submit your employment 
  verification. You provided this documentation on August 6, 2024, and you were contacted that same day 
  and advised that you may redeem your vehicle by paying $2,251.51 plus storage fees to bring your loan 
  current. On August 7, 2024, you successfully paid your loan to redeem your vehicle. A copy of your 
  payment history is enclosed for your reference.

  
  We hope this response to your complaint meets your satisfaction. While this communication is intended 
  to present the facts of the situation, we would like to express our appreciation for your business and our 
  hope that you will continue to allow us to serve your financial needs.

  
  Sincerely,

  
  Loan Servicing
  First National Bank

• Initial Complaint

  08/04/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  On March 2024 I received a promo (S453419) from First National Bank of PA (FNB, **************************/) offering $600 if I opened an account with specific conditions. The reward consisted 2 parts. Get $300 if I opened an account with FNB and “….make a qualifying direct deposit (s) totaling $2,500 within the first 90 days….you qualifying direct deposits must be electronic-type deposit, including but not limited to, a paycheck or pension from your employer, government benefits (such as Social Security), or other affiliated depositors.” Another $300 is rewarded if I produce 15 debit transactions. 
  I have received similar promotion in the past from ***** *****, ********** ****, ********, and in each case I checked to clarify with banks what transactions qualify as direct deposits. With FNB I actually checked twice because the amount of deposit I had to come up with was pretty high ($2,500). I called FNB and stopped by the closest office (First National Bank, 9600 Perry Hwy, Pittsburgh, PA 15237). Both phone and in office person told that wire transfers are direct deposits.
  
  On Apr 18, 2024 I opened a checking account **********  
  
  On Apr 29, 2024 I wired $2,300 from my company (******* ****** ****** ***) business account. I do not have a payroll because I do not have employees.  I am self-employed, one man firm specializing in travel, and when it is slow I also do handyman work. The wire was a payment distribution. In addition I had 2 payroll payments for handy work for $180 (Apr 10, 2024 from ******** LLC) and $200 (Mar 25, 2024 from ******** ******** ACH). The total amount of direct e-deposits is $2,680. I have met bank condition for $300 reward for deposits. 
  
  The FNB did paid $300 reward on June 20, 2024 for fulfilling 15 debit transactions condition.  But there was no reward for making $2,500 direct deposits?
  
  On July 11, 2024 I sent a note to FNB asking where is the other $300 reward. I also called. I got an e-response back saying that I need to wait till August 1, 2024. 
  
  On July 24, 2024 I received a phone call from FNB. I spoke with Ms. Heather. She said that my wire transfer is not a direct deposit and for that reason I am denied a reward. 
  
  I am requesting assistance to get Frist National Bank attention and fulfill their advertised promotion. Having same bank 1 person saying one thing, and another denying is horrible practice. How can you trust the bank after that?

  Business response

  08/19/2024

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

  
  We have reviewed the details of your complaint regarding your promotion reward. On March 19, 2024, you opened a checking account via the FNB website and entered a promotion code. The enclosed disclosures that were provided to you state that to qualify for the $600.00 reward, $2,500.00 or more in qualifying direct deposits must be credited to your account and at least fifteen (15) debit transactions must be initiated from your checking account within the first ninety (90) days after account opening. Please note that per the disclosures, the qualifying direct deposits must be an electronic-type deposit, such as a paycheck or pension from an employer, government benefits or other affiliated depositors. 

  
  Your account was credited $300.00 on June 20, 2024, for fulfilling the debit transactions requirement. On August 8, 2024, I contacted you to advise you that your account was also credited $300.00, as a courtesy, despite not meeting the direct deposit requirement as outlined in the disclosures. Please note that no future credit adjustments will be made on checking account promotions. You stated that you were satisfied with the outcome of our conversation. Enclosed for your reference is a copy of your recent transaction activity. 

  
  Sincerely, 

  
  Linda L******** Market Manager 

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩