Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: SC

Complaint narrative:
In XXXX i had XXXX XXXX XXXX and was unable to work per doctors orders for 6 months. ( I had a business doing XXXX XXXX XXXX XXXX XXXX XXXX I spent quite a bit of savings and profits paying others to try to keep my business afloat. Soon after I got back to work Covid Hit. It all but ruined me, but within a year my business was finished. Just after Covid I missed a payment on my commercial Loan. I had a checking account with hem that the loan was paid automatically from for the length of the loan at the point which was around XXXX Years. XXXX, without my knowledge of consent deleted my account due to low funds in the account, Yet I put {$5000.00} per month in to pay the mortgage. Since i had this set uo to pay automatically the i figured it was paid. Soon, i recieved a call telling me i was late and that my checking account had been deleted. I also received a check iao roughly {$90.00} in my deceased mothers name for the amount that was in the account. XXXX has never sent anything that doesnt have my name on it except that check. I have still not received said money as i couldnt cash or deposit it. Also at that time i was informed my payment was late and they were issuing me a late charge of over {$330.00}. Inexplained the only reason it was late was because they deleted my method of payment for some reason after over 20 years. I asked if t would waive the charge given the circumstance but was rudely denied. This got me behind because most of the money was spent on my ongoing business problems unknowing the loan wasnt paid. I asked XXXX to help me after Covid on at least 3 occasions. I just needed a to skip a payment and add it to the back of the loan so I could get caught up. I was again very rudely denied each and every time. They offered me no alternatives whatsoever. Even after covid and the state of the country. Instead they continued to stack on late charge after late charge each month I was late. Totalling now in excess of {$6500.00}. None of which the bank would waive even as I asked for assistance after the ridiculoous string of life altering events Ive had since Covid and my XXXX. I had almost everything of Value stolen from me while it was stored during a move. My insurance only paid 10 % so I lost {$110000.00}. My home was hit by XXXX XXXX and my insurance again would not pay. And my truck was actually stolen as well and recovered but was damaged so I had to pay for it out of pocket again. My insurance then dropped me and I had to pay twice as much for current coverage. Its criminal, as I feel this is. So as you can see I could have really used a little help. But again I was treated like dirt and denied any assistance. FNB have honestly been the rudest least helpful business ive ever dealt with. Well maybe a tie with my insurance company, On XX/XX/XXXX this year I was sent a Notice of Default. At the time I was only 38 days late. Two payments would have gotten me current. There were 13 payments/months left on the 30 YEAR loan. The first roughly 25 years of which having not a single late payment. You'd think Id be an appreciated customer and given a break. I called and talked to XXXX XXXX, and FNB attorney and told her I could make the loan current and keep it that way until then maturity date the following XXXX She said she would call me back When she did, I was literally yelled at to the point where the person in the room with my heard her through the phone. I had only said that i was not even 2 months behind. She yelled " thats not OK '' and scolded me on my recent payment history as if she was my XXXX grade XXXX teacher. Quite degrading. She could have cared less about my story. She then said they would not reinstate per XXXX XXXX but would give me a forbearance. I serviced default loan for about 6 years after college so I was familiar with a forbearance and thought it was great they were finally going to help me. That is until I received it and read the terms. 

This is the definition of a Forbearance taken Directly from First National banks very own website fnb-online.com. -- -- " XXXX reduced payments or no payments for a specified period of time ( for example, XXXX months ). During this time your mortgage will become increasingy delinquent. 
- or Defer repayment of XXXX or XXXX past due principle an interest payments which will be due and payable at the maturity of the mortgage loan or earlier upon the sale or transfer of the property, refinancing of the mortgage loan or payoff of the interest-bearing unpaid principle balance. 
Benefit : Allows you time to improve your financial situation and possible qualify for another option, such as a modification, upon completion of the forebearance plan -Allows you to bring your mortgage current by delaying repayment of past due principle and interest amounts without changing other terms of your mortgage. 

This is not at all what I was offered. It was stated that I owed {$84000.00} at the time consisting of principle of {$76000.00}, interest of only {$450.00} ( which is why they want to call the loan ) late charges of {$6500.00} none of which I would have had, had they been even slightly reasonable. Then they would charge me a prepayment penalty because they would be forcing me to pay it off early ( Predatory without a doubt ) I would skip no payments... I was late XXXX payments at the time iao roughly {$9800.00} but in order to get the so called forbearance I would have to send them {$20000.00} plus an {$800.00} forbearance fee. To cover all the payments, fees, and late charges they were accessing me .. All up front! This is more than twice as much as the XXXX pmts I was behind. This would have brought the loan current and paid every erroneous soft fee they added in. Then, 18 days later commence at making my regular payments as I had for 29 years iao {$4900.00}. But after 6 months on XX/XX/XXXX and 6 months before the loan matures the loan would be terminated and I would have to pay the remainder of the loan in a lump sum plus the early termination fee that XXXX be forced to pay because XXXX being forced to pay the loan off early. I couldn't believe what I was reading. 

This was, frankly, the most ridiculous thing Id ever seen. I though it was a mistake. Knowing I was {$5000.00} ( XXXX pmt behind ) they had to know that I wouldn't be able to pay 4 times that amount and resume normal payments just XXXX weeks thereafter. This IN NO WAY WAS AN ATTEMT TO HELP ME. This was an acceleration of the loan disguised as a forbearance to get a non performing loan off their books. And they know it. 

After being a customer with XXXX XXXX for XXXX XXXX decades and the roughly {$1.00} XXXX dollars they have profited from me I would have hoped for a little honesty, appreciation, and understanding. Instead, since this is the end of the loan and not the beginning where they make all their money i was treated so horribly that it has caused problems with my family, my home, my fathers illness. ( forgot to include that had been in and out of the hospital with an XXXX  and a XXXX XXXX that he somehow u, I worked at his business to help him for free and put a good amount my own money in to keep it going so he would still have an income ). Not to mention Money I could have used to be paying them I have offered at XXXX additional times to reinstate the loan since they offered me this agreement that I just could not sign. Its as if they were setting me up to fail or at least it feels that way. I am currently working with an attorney to look into any laws that were broken. I'm sure there were. 

This Bank should not be allowed to do business in the way that they do.

Company response to consumer: Closed with explanation