ComplaintsforFNCB Bank

• Initial Complaint

  01/17/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Switched mortgage to FNCB Bank, I only wanted a mortgage. A supposed Free Simple Checking was opened in conjunction with the mortgage. Now, every other month it seems or possibly every month FNCB keeps charging me different fees that I keep getting reversed. Now, FNCB is stating my balance due this month ******* is over $17.00 dollars more than my fixed mortgage payment. I have requested this account closed and to have a routing number and a mortgage account number provided to me so I can pay my mortgage from my other financial institution as I do my other bills and they simply have not provided me with this information. They just continue to charge extra money and not even have a explanation on my ******* statement.

  Business response

  02/17/2023

  We have reached out to the consumer and closed his account. We consider this resolved.

• Initial Complaint

  07/27/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  First there was issues where I had 3 different charges double on my account. Then two charges were set for Friday 7/29/22 to be taken out of my account and they released the Friday before. This heavily over drafted my account 700 dollars then with overdrafts I am negative 880 in the hole. I spoke to 4 people at the bank with a Brianna being the one to help me with the form I needed to fill out but barely heard me out and wouldn't give me concise answers of any type of resolve. It has completely deterred me to even call back and that is why I am filing this complaint. I have screenshots of backup of my scheduled payments I just need help to get this resolved. I am going through financial hardships this year with divorce and my mom being sick. I just need to get this resolved somehow it is going to keep digging a bigger and bigger hole for me. I have been with this bank for a little over 3 years and have been hacked twice not for large amounts but never filed a form or a complaint like this I just resolved it myself and dealt with the negative but this amount is too much for what I am currently dealing with.

  Business response

  08/09/2022

  August 9, 2022 
  

  Dear *** *******: 

  FNCB Bank ("FNCB") is in receipt of an email dated July 29, 2022, regarding correspondence dated the same date pertaining to an issue that *** ***** ********** is experiencing with FNCB. FNCB takes all consumer complaints very seriously. FNCB has investigated this issue and is providing you with an explanation of the situation and how FNCB believes the matter is resolved. 

  *** **********'s complaint revolves around activity in his checking account. *** ********** set up an external withdrawal from his checking account with merchant **** Bank. *** ********** explained that even though he believed to have the external transfers set up to be effective for Friday, July 29, 2022, the merchant **** Bank executed the external withdrawal on Friday, July 22, 2022. Due to the activity in *** **********'s checking account, the early withdrawal created *** **********'s checking account to overdraw. In addition, a $15.00 overdraft fee was incurred. 

  *** ********** has disputed the timing of the payment to **** Bank. *** ********** signed and submitted an Affidavit indicating the payments were unauthorized transactions. Based on this information, FNCB completed a return in the amount of $721.23 and reversed the $15.00 overdraft charge, thereby crediting his account in the total amount of $736.23. FNCB's Fraud Prevention Supervisor attempted several times to reach out to *** ********** to explain what action FNCB has taken (leaving him voicemail messages) but to date *** ********** has not returned any calls to FNCB's Fraud Prevention Supervisor. 

  FNCB's Fraud Prevention Supervisor also investigated *** **********'s account to determine options he may have for making payments to vendors/creditors. *** ********** is registered for online banking, but he does not have any payees set up on the platform. In addition, *** ********** is registered for ***** but he has no transactions. FNCB's Fraud Prevention Supervisor would be willing to discuss these options with *** ********** at his convenience. 

  Based on the above, FNCB believes that this matter has been satisfactorily resolved for *** **********. 
  

  If you have any questions, please do not hesitate to contact me. 
  
  Sincerely, 
  

  Mary G****** Cummings, Esquire

  Executive Vice President and General Counsel 
  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩