FNB

I am extremely disappointed with FNB and how my account has been handled.

I currently have a negative balance on my account, and despite reaching out to customer service for clarity, I received no real assistance. All I was told was to “look at my transactions,” which does not explain the issue.

Here’s my concern:

I cannot purchase anything without first transferring money into my account. If there are no funds, the card simply declines.

So how is it possible that a month later I’m being told I owe money, leaving me with a negative balance?

If I transferred money in order to purchase something, where did that money go? Why is it now appearing as if I owe FNB?

Instead of providing clear answers, customer service brushed me off, leaving me frustrated and with no understanding of what this negative balance even represents.

This feels unfair, misleading, and unprofessional. As a customer, I expect transparency, support, and proper explanations—not being told to figure it out on my own.

Is this really how FNB operates? Creating unexplained negative balances and then leaving customers stranded without proper help?

I trusted this bank, but this experience has left me questioning that trust completely.