Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
My bank account was frozen on XX/XX/year> after depositing legitimate customer checks made out to my fiance 's business, XXXX XXXX XXXX XXXX XXXX. These were valid payments for completed work, and there was no fraudulent activity involved. Prior to this, I was advised by a bank employee that because my partner is a sole proprietor, checks made out to his business could be signed over and deposited XXXX as that means the business is him, and he is the business. Based on this guidance, we believed the deposits were being handled correctly. Today, I was informed that is correctXXXX if he was on the account. That piece of information was not included, and truly would have made all the difference as we would have not deposited it into my account or he could just have been added to my account. The checks were accepted through mobile deposit and processed without issue. Days later, after attempting a large purchase and calling the branch requesting an increase to my debit card limit ( and questioned about the checks but the lady acting like it was all okay ), the account was suddenly flagged and frozen. This occurred after the checks had already been approved and processed by the bankXXXX mind you we are not bankers and we were following the information provided. If we were doing something wrong, I would have expected the bank to have not allowed the checks to clear, and to notify me. I have now been without access to my funds for over 9 business days ( 13 regular days ) with no end hold date or timeline provided ( originally the branch did say 7-10 business days, but informed today after talking to multiple people in customer service the last 2 weeks all agreeing to 7-10 days, that is not true as it is a fraud hold ). Also on XX/XX/XXXX, XXXX the day the account was frozen, we went to the branch in person XXXX my fiance asked to open a business account and was told they would put a message into fraud that maybe the funds could be released to his business account. I would also like to add there was no debit card ordered for that account like there was supposed to be. Throughout this process, I have received conflicting and inaccurate information from different employee 's ranging from the branch to their customer service line on when amd how fraud would contact me as apparently i can not contact or speak to fraud. Customer service ( different employees ) stated a few times it is unusual that there is no end hold date, however today one said that since it is a fraud investigation- there is no end date or timeline. At the beginning fraud stated they were waiting on an incident report from the branch... I had to call and the branch initially told me that no incident report was requiredXXXX it was, and they did eventually file one. However I learned today, XX/XX/year>, that the required incident report was not submitted until XX/XX/year>, meaning the investigation did not formally begin until three days after my account was frozen. This delay was caused by the bank, not by me, yet my funds have remained inaccessible since XX/XX/XXXX. I have made repeated attempts to resolve this by my fiance and I both contacting customer service and calling/visiting the branch in person. Despite this, I have not been provided with XXXX XXXXA clear explanation of what is required to release my/our funds -A timeline for resolution XXXXConsistent or accurate information I am requesting : -Immediate review and release of my funds, or a clear, written explanation of what specific documentation or steps are required to resolve this hold. This situation has caused significant financial hardship, as these funds are needed for business-related expenses and daily living costs, and I am seeking prompt resolution and accountability for the delays and miscommunication. Also, to note- this is the 2nd time First National Bank gave me information about depositing checks that was inaccurate.

Company response to consumer: Closed with explanation