Complaint Review: First National Bank - Nationwide
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- Author Not Confirmed
- First National Bank Nationwide USA
- Phone: 800.555.5455
- Web: https://www.fnb-online.com
- Category: Banks
First National Bank FNB Malignant money grubbing overdraft fees Johnstown Nationwide
*Consumer Comment: Yep...All THEIR Fault!
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Bank is saving and formulating maximum overdrafts by processing transations in a sequence that generates maximum overdraft charges. I was charged $111.00 in over draft fess in the same day for being less than $3 over drawn for the entire day. They charged me 3 overdrafts in the same day for each of the overdrats. This could have only been valid if they remove funds in the wrong order. If all the transactions were processed in the order they came in then there shold have only been 1 overdraft at most for being $3 over.
Worst bank I've ever been with. I've owned 3 businesses over the last 35 years. I've banked both personally and business wise all up and down the eastern U.S. and I've never seen or been victim of such outrageuos banking practices. They call you with so call curtesy call informing of your overdrafts, informing you they will be taking large sums of your money for an over draft of any amout. In my case $37.50 for and over draft of $0.81, (81 cents) then they over draft twice more because they over drafted me the first time by $0.81 for another $74.00. By the end of the one day, and baring any over drafts, my account was actually over draw by less than $3.00 total. My account is no upside down by nearly, but not quite, $114.00 of which $111.00 is overdraft fees.
Stay away from this bank if you like your money, because they will nickle and dime you to death. From their outrageuos $2.50 fee for using your ATM card to the purposely rearranging your transactions for max overdraft charges, to their rediculas curtessy calls informing you they are take 46 times the amount you're overdrawn by (81 cents) from your account. For being $0.81 (81 cents) overdrawn, they they ranp that up to charge you as many times as possible for what is actually opne overdraft, the same overdraft and subsequent overdrats are then charged because they charged the first overdraft which in turn now generated 2 additional overdrafts because of 81 censt and their 1st overdraft charges.
Talk about a money grubbing, scheeming underhanded, screw their customers as often as they can Bank!
I don't even know how their employees accept being part of such a money grubbing bunch of sharks.
This report was posted on Ripoff Report on 06/11/2015 07:30 AM and is a permanent record located here: https://www.ripoffreport.com/reports/first-national-bank/nationwide/first-national-bank-fnb-malignant-money-grubbing-overdraft-fees-johnstown-nationwide-1234908. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#1 Consumer Comment
Yep...All THEIR Fault!
AUTHOR: Jim - (USA)
SUBMITTED: Thursday, June 11, 2015
The ONLY reason you have overdraft fees is because YOU chose to NOT keep written records. What you are doing is simply checking the ON LINE balance or PHONE balance which is NOT current because those figures DO NOT INLUDE any debits which have not yet made it to the bank because THE MERCHANT is slow in submitting them. Because YOU CHOSE to not keep written records which would include EVERY use of the card, you spend those amounts before the debits hit the bank. Its the SAME reason for EVERY person who comes here to cry, whine and stomp their feet about overdraft fees they gave to themselves. Sorry...there's no tricky accounting, no conspiracy, no fraud, no blaming the bank, the government, the congress, the mayor, governor or anyone else...EXCEPT YOU! If you want to avoid this in the future, its a very, very simple matter...keep track of each and every use of the card or checkbook, enter each use in a check register or notebook and do the subtraction for each and everytime and you will have an on-going running balance. When you deposit money, you ONLY add it to the balance when it is actually credited to the account as per the funds availability policy. None of this is rocket science and any real business man knows how to keep track of their money like this.
Let me save you some time and effort...don't bother writing back, "you must work for them", because, I don't.
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