FIRST NATIONAL BANK OF PENNSYLVANIA
Consumer complaint rating · Based on federal CFPB data · How we score
Score: complaint rate (60%) · problems resolved (30%) · money returned (10%) · full methodology
FIRST NATIONAL BANK OF PENNSYLVANIA performs well by the measures that matter most — how often customers needed to complain, and how often those complaints were resolved.
Only 1 in 4,466 customers needed to complain officially
This is one of the lowest complaint rates in this dataset. The vast majority of customers never reached the point of needing to file an official complaint.
26% of complaints resulted in money being returned
This indicates that when customers complained about financial errors, the institution was more likely than average to actually return or credit funds.
Better than 79% of all rated US banks
This places the institution firmly among the better performers in this dataset, based on complaint volume normalised by customer base.
2.1× better than the median rated institution
Not marginally below average — meaningfully better. The median institution generates significantly more complaints per customer.
Around 1.4 customers per week on average needed to complain officially
At this rate, official complaints are rare — not the sign of a systemic problem.
Credit Cards — 0.00 complaints per 1,000 customers
Customers here report fewer billing surprises, clearer dispute processes, and fewer unexpected account closures than at higher-rated institutions.
A note on accuracy: this institution's customer base is estimated from deposit data rather than directly measured. The complaints are real federal filings. The rate per customer carries some uncertainty — treat it as a strong directional signal.
All figures from the CFPB Consumer Complaint Database and FDIC BankFind — US federal public records.
What does this confidence level mean?
Medium confidence — complaint sample is large (876 complaints), but the customer estimate uses deposit data which may not fully represent this institution's customer base. The rate is directionally accurate; treat the exact figure as a range rather than a precise score.
Full Data Record
Complaint Rate
0.22/1k
customers per year (CFPB data)
Total Complaints Filed
876
with the CFPB (2011–present)
"We Disagree" Letters
68%
closed with "we disagree" — no fix, no money
Accepted Bank's Rejection
97%
of complainants gave up after bank said no
People Who Got Nothing
599
escalated to federal level and walked away empty-handed
Estimated True Impact
17,520
estimated affected customers (CFPB: ~5% ever file)
How This Compares
FIRST NATIONAL BANK OF PENNSYLVANIA's complaint rate of 0.22/1,000 ranks better than 79% of institutions in the ComplaintRate dataset.
▼ Show comparison chart (5 rated institutions)
Breakdown by Product
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▼ Methodology & data sources
Complaint rates are calculated by dividing total CFPB complaints by estimated customer base (derived from FDIC deposit data), normalised to complaints per 1,000 customers per year. Source: Consumer Financial Protection Bureau public complaint database (2011–present).
Resolution statistics reflect outcomes recorded in the CFPB database as reported by financial institutions. All language describes what the data shows — not the intent of any institution.
Composite Risk Score weights complaint rate (60%), resolution rate (30%), and monetary relief rate (10%). Full methodology →