Resources for resolving common issues with First Niagara Bank products and services
You can reduce the number of unwanted calls from First Niagara Bank you get by signing up for the National Do Not Call Registry. It's free. Visit http://donotcall.gov to register your number.
How do I register?
Add your phone number for free by visiting http://donotcall.gov, or calling 1-888-382-1222 from the phone you want to register (TTY: 1-866-290-4236)
If you register online, you will receive a confirmation email from http://donotcall.gov. You must click on the link in the email within 72 hours to complete your registration.
How long does it take?
Your phone number should show up on the Registry the next day. Most sales calls will stop once your number has been on the Registry for 31 days. You can verify that your number is on the Registry by visiting http://donotcall.gov or calling 1-888-382-1222.
Where can I file a complaint about an illegal sales call or a robocall?
To file a complaint, visit http://donotcall.gov, or call 1-888-382-1222 (TTY: 1-866-290-4236).
Will I hear back from the FTC regarding my complaint?
Due to the volume of complaints, the FTC cannot respond directly to every complaint. The FTC and other law enforcement agencies analyze complaints to spot trends and to identify and take action against the people responsible for these illegal calls.
What's a Robocall?
If you answer the phone and hear a recorded message instead of a live person, it's a robocall. You've probably gotten robocalls about candidates running for office, or charities asking for donations. These robocalls are allowed. But if the recording is a sales message and you haven't given your written permission to get calls from the company on the other end, the call is illegal. In addition to the phone calls being illegal, their pitch most likely is a scam.
What Should You Do If You Get a Robocall?
If you get a robocall:
First Niagara Bank Bank account or service deposits and withdrawals July 19, 2016 - Received the attached letters from FN regarding a check that they debited checking account for $800.00 due to the check being only for - I verified with my back ( also attached - file and copy of check that the check clearly paid for $800.00. I immediately called FN on - ( appx. - ) to report and dispute, I was told that someone will call me back the next day. No one did! On - appx. - I called again. The representative said no notes were there. Find that hard to believe. In both conversations I clearly stated the check was for $800.00, and even if the check was for $80... |
First Niagara Bank Bank account or service account opening, closing, or management June 11, 2016 - I contacted First Niagara by secure message on -/-/2016 and requested that my checking account be closed. I knew there was an " Early Account Closing Fee '' of $25.00, so I left exactly that amount of money remaining in the account. For unknown reasons, First Niagara did not close my account as requested. As a result, they charged me monthly service charges in the amount of $15.00 starting on -/-/2016. My account now has a negative balance and has still not been closed.... |
First Niagara Bank Bank account or service account opening, closing, or management May 27, 2016 - The purpose of this complaint is to expose how First Niagara Bank covertly charged " analysis service charges '' to its customers as a predatory tactic after acquiring - banks in -. These charges were not agreed to between the lender and its new acquired customers nor were customers notified of this change. On - -, -, First Niagara Bank acquired - - bank branches in upstate NY affecting - households. I was using - as my bank for my business account at the time. From - - through - -, First Niagara Bank charged my company over $3700.00 in analysis ser... |
First Niagara Bank Consumer Loan shopping for a loan or lease May 9, 2016 - I 'm starting to think I might have been a victim of predatory lending. I am only 2.5 years into my auto loan with First Niagara Bank, and I 've noticed the current value of my car is only - and my auto loan balance is - How in the world did they sell a car for so much more than what the car was worth? I 've asked the lender if I could do some type of refinance to somehow save on interest so I could pay more to principal, and I ca n't I 'm stuck.... |
First Niagara Bank Bank account or service deposits and withdrawals May 3, 2016 - On Saturday - - at -. I deposited - cash in the atm at First Niagara Bank in - -, NY. Later that morning I had a paypal transaction, and a coffee shop transaction. On Monday, I checked my account and they put the debits before the deposit, which cause me - NSF fees. I deposited - cash into my other account at the same time. and I also got an NSF fee for that account ... |
First Niagara Bank Mortgage application, originator, mortgage broker April 15, 2016 - I had met with a senior mortgage consultant in - of - to fill out enrollment paperwork for the - - - program. She opened the account that day and said I was all set and we made the first deposit. She told me follow the instructions and to contact her when I was ready to start looking at homes to buy. For the next 10 months I made my monthly deposits. When I started to look at houses I emailed my mortgage consultant and made sure I had all of the deposits made and was on track. She then had me attend a first time home buyers workshop. I completed that and sent her the certificate... |
First Niagara Bank Bank account or service account opening, closing, or management March 21, 2016 - I opened up a money market account at First Niagara Bank in - - CT on -/-/2016. I was told that the APY interest rate was 1.01 % based on the advertisement in the - - as well as a verbal discussion. There was no mention that the rate was related to compounding and this was confirmed verbally with the bank officer. And that taking out the interest monthly would not affect the rate that I was to receive. After 33 days of " interest '', from -/-/- to -/-/-, I received not - of 1.01 % but rather - of 0.81 % and my printed statement says that my APY is now 0.81 % n... |
First Niagara Bank Bank account or service using a debit or atm card March 13, 2016 - I work - in - New York -. With the new credit card readers, customers of - Bank and First Niagara often find it confusing to use their bank/ATM card. -First Niagara charges a fee to use a bank card as a debit card, but when a customer swipes their card, - options appear, - - and - -. Customers naturally choose the - - option but find that at that point in the transaction, they can not use their cards a credit, and have to use them as a debit card and pay a fee. While many customers reverse course and hit the international - option so the cay pay for their... |
First Niagara Bank Bank account or service account opening, closing, or management March 12, 2016 - I opened a " Pinnacle Checking '' account on - -, -, after reading an advertisement for a $200.00 promotion. The terms of the offer are as follows : " To qualify for the $200.00 cash bonus, within 60 days of opening your new Pinnacle checking account, you must receive direct deposits totaling $250.00 or more. Your direct deposits need to be an electronic deposit of your paycheck, pension or government benefits ( such as Social Security ) from your employer or the government. The cash bonus will be deposited into your new checking account within 30 days from end of month in which... |
First Niagara Bank Mortgage loan modification,collection,foreclosure March 7, 2016 - Consumer Financial Protection Bureau Case # - This is an ongoing case in which I have submitted a letter to First Niagara Bank in response to their letter detailing that the information they provided was not in fact proof of fraud and that actual proof needs to be submitted. I have attached a copy of the letter. Please help to get this matter retified. This was originally submitted to the Attorney General 's Office and they submitted it to you. Thank you, - - ... |
First Niagara Bank Credit card identity theft / fraud / embezzlement March 1, 2016 - About 3 years ago, I started receiving credit card statements for a credit card from First Niagara Bank, -. To be clear, I have never opened an account with, or done business with First Niagara Bank. They took over the former - branches in our area. I used to have accounts with -, but closed all of them out before First Niagara took over. When I tried to call about this mysterious credit card in my name, I could n't get information because my credit card # on the account is all " - 's '' except the last - numbers ( - - - - ). I do n't even know if this is a - or -... |
First Niagara Bank Bank account or service deposits and withdrawals December 31, 2015 - My bank waits to " run " my direct deposit a few hours after they process withdrawals on my account. Are n't banks supposed to do all deposits first, then work on the withdrawals? ... |
First Niagara Bank Credit card customer service / customer relations December 21, 2015 - For the first time in roughly 2 years, I had used an old credit card from First Niagara for a charge of $27.00 on -/-/15. The balance immediately began accruing interest and on -/-/15, I made a payment of the current balance of $27.00. The following day, the payment had n't gone thru and the balance accrued another $0.00 in interest. I spoke to - at First Niagara who advised that the payment takes 48 hours to show but when the payment goes thru it will back date any accrued interest thus wiping them off the balance. Once the payment of $27.00 finally went thru on -/-... |
First Niagara Bank Bank account or service problems caused by my funds being low November 30, 2015 - First Niagara Bank - - - kept paying incoming bills even though my account had a negative balance. The account had dropped to $3.00 but I am fighting - - and was too sick to get to the bank. They charged me - $37.00 NSF fees. I called to explain and a very nice customer service rep credited me the - fees. This was on -/-/-. On -/-/-, when I looked at my account, - of my bill payments were duplicated. The dates and NSF fees on these accounts were recorded on -/-/-. However, they did n't show up when I checked my checking account on -/-/- and neith... |
First Niagara Bank Bank account or service problems caused by my funds being low November 12, 2015 - We have made this complaint earlier this year. First Niagara has been taking out NSF fees when they were not supposed to. Their policies and procedures seem to change between each person. ... |
First Niagara Bank Mortgage loan modification,collection,foreclosure October 14, 2015 - -/-/- I had been hurt at work and was unable too make payments on my - Mortgage due too the fact workers comp. was not paying me .The bank started billing my line of credit. I have asked for a forbearance since -/-/- they have lost the first batch of paper work then I submitted new paper work in -. I have spoken too them and get the story it takes - days for a answer. My first Mortgage has been modified with - without a problem I think I have been lied too on how long it takes and believe they may pull some kind of foreclosure while i 'm still on - ... |
First Niagara Bank Credit card billing disputes October 7, 2015 - Originally some one used my credit card in -. I never was getting any bills. In - i took out a loan, the bank never notified me that there is an outstanding balance, because I would have questioned it and disputed. In - i got a letter of bank collection. That is when i started to question. I spoke on the phone with the bank and cancel my card. I spoke with another representative to file dispute claim. Not once did the rep mentioned that it was too late to file it. In - i get letter stating it was too late to dispute and i am liable for all charges including late. I filed complaint ... |
First Niagara Bank Mortgage loan servicing, payments, escrow account September 23, 2015 - This complaint is in reference to First Niagara Bank ( -, -. ) ... ... .. The federal consumer help center has advised me that a complaint letter has been sent to you on - -, -. Please acknowledged that yu have received that complaint, going to describe the seriousness of the this fraudulant mortgage loan. On -, -, letter from FNB sent me stating I owed $18000.00 on my home that we built in -/-/- and currently lived in. - was the - bank to take over this mortgage, I intially contacted FNB and told to contact the branch in -, -, as the bank was unable to ... |
First Niagara Bank Bank account or service making/receiving payments, sending money September 18, 2015 - My father - - - died on - - 2015. I have attached a death certificate. He died at - years of age. My sister and I live in different locations ; we are not in - New York. It was only going through his papers that we discovered that checks had been forged out of his checkbook by - - -, who was a tenant of my father 's. Following that discovery, I went to visit - - on - - to discuss the forgery ; - works at First Niagara Bank. - asked me if a Forgery report had been filed, I said not to my knowledge. He called the Fraud Department of First Niagara a... |
First Niagara Bank Bank account or service deposits and withdrawals September 10, 2015 - Are banks allowed to post checks to a checking account before a deposit even if they both are posted on the same day? First Niagara Bank does this and I think that it is just a way to get the extra charges for themselves. Yesterday my Social Security check was posted and I has a availabe balance of - after everything was taken out. When I looked at my account today they posted a check and charged me - for it even though my balance was much higher than the - check that was posted on the same day. This bank are a bunch of thieves. I live on Social Security and I 've had some times when ... |
First Niagara Bank Bank account or service deposits and withdrawals July 8, 2015 - I purchased a C.D.from my local bank in the amount of $9000.00. I was told at the time of purchase that the C.D. had an automatic rollover. I put it in a safety deposit box when purchased in 2003 and took it out last week. I went into the local branch where I bought it and they said they had no record of it. They said to check the state treasury which I did to no avail .I then went to the -, the FDIC and finally was told to register a complaint with this office. ... |
First Niagara Bank Bank account or service account opening, closing, or management April 15, 2015 - On - -, -/-/-, First Niagara Bank sent me an E-mail to my employee E-mail account, requesting I provide them with a signature card for my employee checking account. This had caused me alarm as I had already provided them with said item on - -, -/-/-. When I had expressed my concern that a document containing my signature and account number had gone missing which could possibly compromise the security of my account and information, and that I would have to possibly close my accounts for security reasons, I was terminated from my employment. ... |