I recently relocated to Penn from Cincinnati, OH. I forgot to close my checking/debit card account in person at site branch before leaving.in Oct I made a full payoff of credit card for $87.89 (that was stated as card balance on their website). I also updated all contact information to new address and phone number.in January, I received a letter indicating that my credit card balance has been due for 60 days and they were reporting to credit bureau. It turns out that the credit balance i paid in full on the internet was the balance from LAST statement and did not reflect a late payment charge to my account made a week prior. So when I paid the 87.89 i really owed 87.89 19.00 dollars but the website wont tell you that until next statement. My attempt to update my contact information apparently failed. My old number area code (859) had been changed to area code (717) but nothing else was changed. When I asked customer service when was this information changed, "we do not have that information". So no ability to explain how my contact info had been partially updated. The reason this is a big deal is because (i was told) had they had the proper contact information they would have contacted my right away about the matter. This is one of the worst banks I have ever!!! Seen in operation. If you are in Ohio/PA area, I would not recommend this bank. You are better off hiding your money under your mattress.