Customer ReviewsforPark National Bank

Beware! This bank treats their loans like a high risk loan! Even if you have great credit! You will pay more towards your interest than towards your principal. They do this to keep your principal balance high for a longer time frame to prevent you from refinancing at another bank without losing money! This is what companies who take on people with low credit scores (high risk loans) do to make sure they retrieve their money. NEVER have I seen this type of loan from a bank for individuals with a good credit score- !except at this bank! Plus, there is a $250 service fee added to your loan total principal.

We acknowledge the comment submitted by our customer referenced above. Please know that we take comments our customer make seriously and we have contacted our customer directly to discuss.

The Park National Bank card member service representatives, ****, and ***, are absolutely rude and terrible at their jobs. I filed a dispute regarding a Christmas gift that was never delivered to me. All information was given when the dispute was filed. However, today I received a letter stating that the $27.99 would be re-applied to my card balance because I didn’t respond to a request for more information, which also wasn’t received. When I called the card member service number tonight I provided my card number, my full name, my address, my phone number, and the last four digits of my SSN, and then **** wanted to send me a link with a verification code as if all the other information I already provided didn’t verify who I am, so I told her no that I wouldn’t be getting any codes from a link and I proceeded to tell her why I was calling. She then put me on hold, got her supervisor, ***, who then tells me that he/she is in charge of verification and not me. So I ended the call, and will be doing a balance transfer of all except the $27.99 that Park put back on my card, and Park will be losing a customer.

At Park we take seriously any concerns expressed by our customers concerning the use of our vendors and have escalated this review to the appropriate vendor for action. Thank you for bringing this matter to our attention. This complaint relates to an account for which Elan Financial Services, a subsidiary of U.S. Bank, is the servicer. Please redirect this complaint back to U.S. Bank National Association at the following address: Cardmember Service Office of the President P.O. Box 6354 Fargo, ND 58125-6354

Me and my husband applied for a personal loan in October 2021. We were denied because they said we were showing very delinquent on our mortgage. This was very concerning because I've never been delinquent with my mortgage. I contacted my mortgage company and they confirmed they have been reporting me as on time. I contacted Equifax and they advised they showed me as up to date as well. I called Park National and they advised that was not the reason I was denied. I didn't get a straight answer as to why I was denied. I then recieved a letter in the mail showing my denial was due to a delinquent account. I am livid. I tried to file a complaint and was supposed to get a call back and never did. I feel the deliberately just wanted to deny a loan and did not want to help. Didn't matter how good or bad of a candidate I was for the loan. It was very disappointing and I will be switching banks once I get myself set up.

We are in receipt of the complaint submitted by the consumer referenced above. Please know that we take the matter reported seriously, and have attempted to speak with the customer about it directly by telephone on March 21, 2022. In the interest of protecting the consumer's confidentiality, we decline to recite any additional details of the situation or its resolution. Thank you for bringing this matter to our attention.

Beware of Park National bank fees and overdraft fees. It does not matter to Park if they made a mistake or it the overdraft was caused by a situation the customer could not predict or prevent. Park blames you for the problem, period, Then will refuse to refund the ********** wants to keep your money! They will not admit they were wrong, ever! They have a policy of 2 refunds per rotating year. If it is the banks fault or something out of your knowledge or control.. according to Park, you are to blame... period! They have forgotten good customer service. I left a bank to come to PNB because the bank I left was making mistake after mistake on my account. Now Park is showing its true colors that is care more about taking your money than helping its customers. Even the bank I left looked at each instance. It did not limit refunds to 2 each rotating year. This policy is ridiculous and lacks good customer service sense. I might be looking for another financial institution for my money yet again! Done being blamed for the *** mistakes.

We are in receipt of the complaint submitted by our customer referenced above. Please know that we take the matters our customers report seriously, and have reviewed what was reported. Based on our review, respectfully, what the customer has reported is inaccurate and includes mischaracterizations and omissions. We have had multiple contacts with the customer to explain the situation. In the interest of protecting our customer's confidentiality, we decline to provide additional details at this time. Thank you for bringing this matter to our attention.

Worst bank EVER!! I had my auto loan through ******** ******** ****, which was bought out by Park National Bank. My loan has to be paid in full by March of 2022. I have just $20 over two months’ worth of payments left. That means as of today, I am paid through January of 2022, right?!? Nope! I have been paid ahead for MONTHS & yet I am harrassed monthly via mail, phone calls, texts threatening me to make my LATE payment! I don’t understand! Why is it late if it’s PAID through January and it’s 2 months before that. I’m sure I will also get hit with a fee for paying it off early as well even though my original loan does not have a pre-payment penalty! Steer clear of this shady bank!

We are in receipt of the complaint submitted by our customer that is referenced above. Generally, when a customer pays in excess of what is owed on a loan for a given month, the excess is applied to reduce the principle balance of the loan. This does not advance the payment, but benefits the customer by more quickly reducing the balance of the loan. To advance the payment, such that the customer does not need to pay each monthly payment when due, would mean splitting the customers payment more toward interest, and would not as quickly reduce the balance of the loan. Not only does the banks approach benefit customers, but the banks manner of applying the payment is expressly stated in the terms of the loan documents. We have attempted to contact the customer to provide this explanation and further discuss this matter. In the interest of protecting our customers confidentiality, we decline to recite any additional details of this situation or its resolution. Thank you for bringing this matter to our attention.

Purchased an RV, the dealership used Park National to finance. Paid off the loan; expecting to receive the Title in the mail;NOT! They tell me it's an electronic copy, and I have to go and pay for a copy at a BMV title office. Poor customer service...I paid off a car loan with ********* ****, and they had no problem sending me the title. Park National, you can offer whatever explanation/excuse you want; but be assured, I think you are a 2nd rate bank, and will never use your service again! If yours is the only bank available for financing something I'm considering purchasing, I'll just do without!

We are in receipt of the complaint submitted by our customer referenced. Please know that we take the matter our customer reported seriously, and will work directly with the customer to resolve. In the interest of protecting our customer's confidentiality, we decline to recite any additional details of the situation or its resolution. Thank you for bringing this matter to our attention.