Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

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.