Total CFPB complaints
29
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 29 complaints
FIRST NATIONAL BANK OF PENNSYLVANIA — Debt Collector Complaint Profile
CFPB complaint profile across 9 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FIRST NATIONAL BANK OF PENNSYLVANIA
- Communication tactics
Communication tactics
8 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Took or threatened to take negative or legal action 3
Took or threatened to take negative or legal action
3 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
B
Grade B · 70.1/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about FIRST NATIONAL BANK OF PENNSYLVANIA?
FIRST NATIONAL BANK OF PENNSYLVANIA has accumulated 29 total CFPB complaints across 9 states, with 7 filed in the most recent 12 months against 22 historical complaints before that window. The trailing-12-month volume represents 24.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 9 states, led by Pennsylvania with 6 and Ohio with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 70.1/100 places FIRST NATIONAL BANK OF PENNSYLVANIA in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
7
24.1% of total history
Rising ↑
States active
9
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
70.1/100 composite
Response-quality profile
How FIRST NATIONAL BANK OF PENNSYLVANIA performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 16.1%
Share of US states + territories with at least one filed complaint against this collector.
How does FIRST NATIONAL BANK OF PENNSYLVANIA compare to its peers?
FIRST NATIONAL BANK OF… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2015-07 2026-01
Top Consumer Issues
Attempts to collect debt not owed7 (%)
Communication tactics8 (%)
False statements or representation3 (%)
Took or threatened to take negative or legal action3 (%)
Taking/threatening an illegal action1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 5 |
| Communication tactics | Frequent or repeated calls | 3 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Communication tactics | Threatened to take legal action | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
Where do complaints against FIRST NATIONAL BANK OF PENNSYLVANIA come from?
The states where consumers have filed the most CFPB complaints against FIRST NATIONAL BANK OF PENNSYLVANIA. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FIRST NATIONAL BANK OF PENNSYLVANIA
Across 9 states with at least one filing
- Pennsylvania
Pennsylvania
6 complaints
- Ohio
Ohio
6 complaints
- Tennessee
Tennessee
4 complaints
- North Carolina
North Carolina
4 complaints
- Florida
Florida
3 complaints
- Utah 2
Utah
2 complaints
- Michigan 1
Michigan
1 complaints
- West Virginia 1
West Virginia
1 complaints
Frequently Asked Questions
What is the most common complaint against FIRST NATIONAL BANK OF PENNSYLVANIA? ▼
The most common issue consumers report about FIRST NATIONAL BANK OF PENNSYLVANIA is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 29 complaints filed with the CFPB.
Are complaints against FIRST NATIONAL BANK OF PENNSYLVANIA increasing or decreasing? ▼
Complaints against FIRST NATIONAL BANK OF PENNSYLVANIA are rising. The company received 7 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is FIRST NATIONAL BANK OF PENNSYLVANIA's reputation grade? ▼
FIRST NATIONAL BANK OF PENNSYLVANIA has a reputation grade of B (score: 70.1/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does FIRST NATIONAL BANK OF PENNSYLVANIA respond to consumer complaints? ▼
FIRST NATIONAL BANK OF PENNSYLVANIA has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does FIRST NATIONAL BANK OF PENNSYLVANIA operate? ▼
FIRST NATIONAL BANK OF PENNSYLVANIA has received CFPB complaints from consumers in 9 states, with the most complaints from Pennsylvania (6 complaints).
What can I do if FIRST NATIONAL BANK OF PENNSYLVANIA is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If FIRST NATIONAL BANK OF PENNSYLVANIA violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |