This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade B 31 complaints

First National Bank of Pennsylvania - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade B.

Complaints by issue type

What consumers report about First National Bank of Pennsylvania

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 70.1/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of B: First National Bank of Pennsylvania ranks ahead of 68% of the 5,283 collectors PlainCollector grades - 32% keep a cleaner CFPB record, on 31 all-time complaints and a 97% timely-response rate.

68th pct
reputation rank of 5,283 graded collectors
31
CFPB complaints, all-time
97%
answered inside the CFPB window
4
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about First National Bank of Pennsylvania?

First National Bank of Pennsylvania has accumulated 31 total CFPB complaints across 10 states, with 4 filed in the most recent 12 months against 27 historical complaints before that window. The trailing-12-month volume represents 12.9% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 97% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 10 states, led by Pennsylvania with 7 and Ohio with 6. Normalized against the full CFPB collector database, the reputation score of 70.1/100 places First National Bank of Pennsylvania in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

31

low-volume (CCDB)

Last 12 months

4

12.9% of all-time complaints

Falling ↓

States active

10

regional footprint

Timely response rate

97%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

70.1/100 composite

How does First National Bank of Pennsylvania's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

70 68th percentile higher than 68% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). Below this entry. 70–80: 871 graded collectors (16%). This entry sits in this band. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

First National Bank of Pennsylvania versus the debt-collection vertical average.

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 17.9%

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?

How does FIRST NATIONAL BANK OF PENNSYLVANIA compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
FIRST NATIONAL BANK OF… National average
Complaints (last 12 mo)lower is better
4
0
268
Timely-response ratehigher is better
97%
42%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-05 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 8
Communication tactics - 8
Took or threatened to take negative or legal action - 5
False statements or representation - 3
Improper contact or sharing of info - 3
Written notification about debt - 2
Disclosure verification of debt - 1
Taking/threatening an illegal action - 1

Where do complaints against First National Bank of Pennsylvania come from?

First National Bank of Pennsylvania's own per-state count, not a national baseline.

Top states by complaints against First National Bank of Pennsylvania

Across 10 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if First National Bank of Pennsylvania contacts you

A grade of B signals how First National Bank of Pennsylvania's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really First National Bank of Pennsylvania and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how First National Bank of Pennsylvania ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 31 complaints filed with the CFPB.

Are complaints against First National Bank of Pennsylvania increasing or decreasing? ▼

Complaints against First National Bank of Pennsylvania are falling. The company received 4 complaints in the last 12 months, showing improvement over prior periods.

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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 10 states, with the most complaints from Pennsylvania (7 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.