Resources for resolving common issues with First Citizens products and services
The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives.
The CFPB will forward your complaint to First Citizens and work to get a response. After your complaint is forwarded, First Citizens has 15 days to respond to you and the CFPB. First Citizens is expected to close all but the most complicated complaints within 60 days.
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First Citizens Credit card apr or interest rate December 15, 2016 - In -/-/- a fixed APR of 7.99 % was offered to me by the person who opened a credit card for me with First Citizens Bank. I received an activation letter with the credit card enclosed confirming the 7.99 % APR ( letter enclosed ). I transferred a balance to this card. There as been to other transaction on this card since it was opened. There as never been a late payment. The credit card company is now billing me at the rate of 8.24 %. I had - conversations by phone with the credit card company on the morning of -. I was told in both conservations that the credit card company has no r... |
First Citizens Money transfers fraud or scam November 2, 2016 - An Internation wire transfer from First Citizens Bank - to - - - in -, - was issued, then attempted to be retracted when the receiving account at - - was determined to be a fraud. Following formal complaints, inquiries and alerts of the fradulant scam, from First Citizens to - - -.... |
First Citizens Bank account or service problems caused by my funds being low July 2, 2016 - Despite never, during my 9 years as a customer, being opted in for overdraft services on my checking account, First Citizens Bank explicitly applied - overdraft charges to my checking account on -/-/16 totaling $72.00. This was apparently due to a trio of non-reoccurring purchases made over the two previous days using my debt card, totaling approximately $13.00. I contacted customer service to see if the problem could be resolved, but they declined to waive the fees. According to their own Basic Overdraft Service Disclosure, they had no choice but to decline the purchases, knowing... |
First Citizens Bank account or service account opening, closing, or management June 24, 2016 - - -, First Citizens Bank has an advertisement on line, in their website https : //www.firstcitizens.com, where there is a bonus of - for opening a new checking account. However, it does n't say that the checking account is subject to credit approval. After I fill out all my information, at the end, I was denied. I thought maybe they needed more information like my Driver License and proof of address etc. However, today I received an alert, that yesterday - - Bank checked on my - credit bureau. It is an usual or not a common practice for a - bank to measure credit exposure ... |
First Citizens Mortgage application, originator, mortgage broker May 13, 2016 - I am filing this complaint because First Citizens Bank refuses to take my increased of income into consideration. They have refused to use my current income to purposely deny my loan modification. My First Citizens Bank assigned specialist - told me that they were not able to use my current income because they solemnly based approval on tax returns. This is outrageous because clearly my - has been increasing drastically with each passing year. It is absurd that they based my income on last year taxes as my business is blooming. If you look at my -/-/- tax returns I made $11000.00 ... |
First Citizens Bank account or service using a debit or atm card May 3, 2016 - - has installed chip readers at its checkouts. If your credit card has a chip the device will not allow you to swipe the card. Once you insert the chip the device asks for your pin. There is no way to process the transaction as a credit card. You are forced to use your debit card. This deprives the consumer of the customary protections credit cards provide and unfairly enriches - by eliminating swipe fees. ... |
First Citizens Bank account or service account opening, closing, or management March 24, 2016 - I went through a divorce several years ago. Thereupon, I had no idea of the existing mutual debt my x-husband and I had with with First Citizens Bank in -, -. I received no calls, notices, etc. All of the aforementioned went to my x-husband. Subsequently, he closed his account at First Citizens, and started banking elsewhere. Unbeknownst to me my SSN was still attached to this debt. Therefore, First Citizens cleaned out my personal bank account. At this point in time, I was a single mother with - daughters, and unemployed. I finally secured a job in - - and have been working on ... |
First Citizens Bank account or service account opening, closing, or management March 24, 2016 - I went through a divorce several years ago. Thereupon, I had no idea of the existing mutual debt my x-husband and I had with with First Citizens Bank in -, -. I received no calls, notices, etc. All of the aforementioned went to my x-husband. Subsequently, he closed his account at First Citizens, and started banking elsewhere. Unbeknownst to me my SSN was still attached to this debt. Therefore, First Citizens cleaned out my personal bank account. At this point in time, I was a single mother with - daughters, and unemployed. I finally secured a job in - - and have been working on ... |
First Citizens Bank account or service account opening, closing, or management March 17, 2016 - I brought my checking account to a $0.00 balance and then called customer service to close my account. First they refused to close it over the phone and said I was required to go into a branch if - is within - miles from my home. When I looked up a location there was not a local branch so the customer service rep told me to fax a letter to - to deposit operations with my full name, account number, and current address along with my signature and they would close the account. I faxed the letter and then called customer service to confirm they received it. They did confirm it was sent ... |
First Citizens Bank account or service problems caused by my funds being low March 10, 2016 - This was at a first citizens bank on -/-/16 at time - i made a deposit - which - was cash at - i made a withdraw of - from a atm the bank charge me a - overdraft fee i ask them about it and all i got was a run around so they stole - bucks from me ... |
First Citizens Bank account or service making/receiving payments, sending money January 13, 2016 - In - 2015 I used my First Citizens online bill pay service to pay several bills. First Citizens returned the bills as unpayable, even though I had more than enough money in my account to pay them. I have made repeated phone calls to correct this, and was told something different each time. Each time I was assured that the problem was resolved and the creditors were paid. I am now getting collection notices from - of the creditors, as well as late fees and damage to my credit report. I am attaching my First Citizens bank statement for that month to show a balance of over $20000.00, as... |
First Citizens Bank account or service deposits and withdrawals January 4, 2016 - I made an online purchase using my debit card on - - 2015. The merchant did not have one of the items I ordered in inventory, and said they issued a $10.00 credit for the item. I have never received the credit. I talked to the merchant and they said everything has processed on their end, and there was nothing more they could do, and to call my bank. I called my bank, and they said there is nothing they can do. My understanding is that the bank has an obligation to investigate any reported error, however they refused to do so. They said my only option is to return the part of the order ... |
First Citizens Bank account or service account opening, closing, or management December 9, 2015 - Currently I have no way of viewing my Checking account online or view my Statements because I have my statements done electronically. I called the ban today to find out why I can not view my checking account online and they referenced -. When I called this number the number referenced -. I have no way of finding out how much the bank actually put me in debt on the - of - due to a bank error in their online banking. This error cause my bills to be paid out double and created an over draft. When I identified the issue I ensured I contacted the bank and emailed the bank. In - 2015 ... |
First Citizens Mortgage loan modification,collection,foreclosure September 29, 2015 - In - - I purchased a commercial property and - was the lender on the promissory note in which the commercial property was used for collateral. I made my payments faithfully and was never late. On - -, - I got an on demand letter from First Citizens Bank, from a - - who was a Senior Vice President of First Citizens Bank out of the North Carolina office, prior to receipt of this letter all my business was done with the local banker in - -, FL. On receipt of this letter I immediately called my banker, he indicated to be that he no longer could help me because the bi... |
First Citizens Mortgage loan modification,collection,foreclosure September 28, 2015 - I had a mortgage with First Citizens and made a payment of - and came to find out that they had foreclosed on my house. I called the bank and was told that I would get that money back because they could n't accept a payment when it was foreclosed on. I have waited for 6 months and have n't gotten anything back from them and I want my money back. I do n't understand how they could take my money and it being in foreclosed on. ... |
First Citizens Bank account or service account opening, closing, or management August 5, 2015 - Placed a call to customer service to learn why security questions were changed rapidly within 5 minutes of logging in/out. Upon return to www.FirstCitizens online.com to log on my security question was changed to request information where my mother was born. I did not authorize nor set this question myself. ... |
First Citizens Mortgage application, originator, mortgage broker July 16, 2015 - On Monday, we got a phonecall from the person ( - - ) who did the appraisal on our property at the request of First Citizens Bank & Trust - North Carolina. He informed us that the appraisal was inaccurate and that he 'd notified the bank. The bank was however trying to fool us into believing the appriasal was accurate. - - said he would refund the money we paid the bank for the appraisal. He 'd made the same offer to the bank, but the bank refused to take it. As a result of the bank 's desception we have lost the house we were going to build on our property, lost the builder, lost ... |
First Citizens Mortgage application, originator, mortgage broker July 11, 2015 - First Citizens Bank of -, undervalued my request for a mortgage by $ 100,000+. To do that, they appraised the land ( purchased for $120000.00 ) at $9800.00 ( tax appraisal uninproved is $70000.00 ). To do that they found land - miles away selling for $ -/acre and ignored land pricing anywhere closer much less inside the resort community. They chose - comparable, - was a mobile home and the - had been abandoned unfinished in 2006. Our planned custom built '' log home is in a gated community atop - - ( - ), the mobile home they compared it to has a State Highway... |
First Citizens Mortgage loan modification,collection,foreclosure July 8, 2015 - - - - Foreclosure auction sale and - - - sale were cancelled because First Citizens Bank and Trust Company failed to send bidding instructions to the - SC court- thus causing additional financial and mental hardship on the consumer : - ... |
First Citizens Mortgage application, originator, mortgage broker June 22, 2015 - I obtained a 30 year variable conventional mortgage from First Citizens Bank and - - on -/-/-. The First Citizens representative never asked me if I would qualify for a VA mortgage. Had she done that, I would have opted for that ( VA ) mortgage instead of the - I wound up with. What I found out after obtaining the conventional mortgage was that included in the monthly payments would be a PMI of $120.00 per month. If I had the VA mortgage there would not be any PMI at all. I feel that First Citizens should have told me about the VA mortgage instead of just telling me about the c... |
First Citizens Bank account or service making/receiving payments, sending money June 17, 2015 - I am having a problem with my bank returning funds which were released to the wrong party. I made payments and they were not received by the intended party yet released and not credited back to me when this was brought to the attention of the bank. I furnished all the detail requested of me to the bank. I have yet to have anyone at the bank reach out to let me know what the status of this investigation is. I have e-mailed at least - times, and telephoned repeatedly to only be told this is going to take more time. The first date the bank made a formal notation was - -, 2015. I had been... |
First Citizens Mortgage application, originator, mortgage broker May 6, 2015 - I applied for a mortgage on - - on First Citizens Bank 's website. After I waited about two weeks for a response from them, I called them to figure out what happened with my application. From there, a representative told me that my banker was - -, and gave me his number. I called numerous times until he finally returned my phone call. I thought this would speed the process up to keep up the communication, but I have been chasing - - ever since. I have called numerous times, I get the run around on why I ca n't even get a pre-qualification letter to look for homes, he keeps as... |
First Citizens Consumer loan taking out the loan or lease March 30, 2015 - I applied for a vehicle loan in -/-/- with - - Bank - - - - -, GA. The loan was approved with collateral of the vehicle, however, the loan officer, - - - - told me that the bank wanted a Certificate of Deposit in the amount of $5500.00 to be held for 12 months. Within that 12 months of payment history, if I paid on time the bank would release the $5500.00 certificate of deposit. The CD 12 months period matured on -/-/-, however, when I went to the bank today to retrieve my money the bank official stated that the CD for $5500.00 was to be held fo... |