Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a complaint to the information provided to me from First Commonwealth Bank concerning Complaint ID XXXX ( see the outline of the original issue below ). Now that I have their official statement back as to what happened, it is clear to me that XXXX letters could NOT have been sent to me with what they are calling " Bad Address ''. I would ask them ( FCB ) first, what are the " Bad Address '' they used for me? Secondly, since they admitted to sending XXXX letters ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I would like a copy of all XXXX returned letters with postmarking. I can understand XXXX letter being returned but NOT XXXX letters. 


BACKGROUND : My name is XXXX XXXX, and I had a checking account set up with First Commonwealth Bank ( FCB ) about 15 years ago for our High School Class to take in money and fund our class events. The account was called the " XXXX XXXX XXXX XXXX XXXX  '' and it was for the graduates of XXXX XXXX XXXX XXXX  XXXX Pennsylvania who graduated in XXXX. The FCB would send me accounts by mail initially. At XXXX point I tried to create an online account. On XX/XX/XXXX, in an email to me, they said there was a hardware issue in their system, and I never received any follow-up. Im not sure that the hardware issue was to my online attempt but it did prove they could communicate to me by email. 
THE ISSUE : During the first week of XXXX, I went to deposit checks into the account for our Class dinner on XX/XX/XXXX for our XXXX XXXX XXXX. The Bank manager ( at the FCB XXXX XXXX XXXX ) told me that the account was " inactive '' and that he would activate it ''. On Saturday, XX/XX/XXXX, I was told quite a different story by a teller at the FCB XXXX XXXX when I went to deposit checks. She said that the account was CLOSED and the funds had been sent back to the state of PA ( {$530.00} ) and that I would have to contact the PA Dept of Treasury, unclaimed property, to get that money back. I have spent over XXXX hours of my time to date dealing with opening a new checking account, dealing with FCB officials, and many hours with the PA Treasury department, trying to locate the account with the unclaimed money. This issue is ongoing and the state, in an email on XX/XX/XXXX, said it could take XXXX months to reclaim the {$530.00}. 
THE BANK REPLY : I received a call from the FCB, XXXX on XX/XX/XXXX. He listened to my story and said that they had notified me by mail that they were closing the checking account and the FCB was in compliance in doing so. When I said I had not received the letter, he said the letter was returned to FCB, meaning that the FCB knew I had not received the letter stating they were closing the account, yet FCB sent the money to the PA Treasury unclaimed property. If the FCB knew I did not receive the letter when it was returned to them, why did they not notify me by email? 
On XX/XX/XXXX, I got a call from the SVPs office saying he had an emergency that day and offering me {$100.00} for my troubles. 
rs with postmarking. I can understand XXXX letter getting lost but NOT XXXX letters.

Company response to consumer: Closed with explanation